davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

PERMISION WAS NEVER GIVEN I am writing to bring to your attention discrepancies in my credit report that I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681.

Upon reviewing my credit report, I have identified instances that appear to be in contravention of the following FCRA sections : 1. 15 U.S.C. 1681, Section 602 : This section emphasizes my right to privacy and ensures that the information reported accurately reflects my credit history.

2. 15 U.S.C. 1681, Section 604a, Section 2 : According to this section, a consumer reporting agency can not furnish an account without my explicit written instructions.

3. 15 U.S.C. 1666b : This section stipulates that a creditor may not treat a payment on a credit card account as late for any purpose.

Given the violations outlined above, I hereby request a thorough investigation into the inaccurate information reported in my credit file. I urge you to take immediate action to correct these discrepancies, as they adversely impact my credit standing and infringe upon my rights under the FCRA.

*** I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** The following accounts are in violation : and have no permission to report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account has adverse items they are reporting again without my permission, which is against the law and harms me financially. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Remove all circled items on this account immediately.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

This account was disputed, unverified and REMOVED repeatedly yet it keeps coming back on my report. This is illegal and I want this removed. 

XXXX XXXX {$800.00} Removed XX/XX/XXXX. XXXX Removed XX/XX/XXXX XXXX Removed XX/XX/XXXX. XXXX Removed XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

XXXX XXXX Account ( XXXX CH XXXX ) Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (FL)

I am a victim of ID theft from several years ago. I need to unlock my credit for XXXX hrs. to get an apartment for my son to go to college. Equifax now ( did not do in past ) says if you want your credit unlocked immediately you must go online and pay through their website. If I use an agent ( free ) it could take XXXX business days. The problem is the apartment complex can not take the time to check my credit every day for XXXX or more days. This is an intentional effort to create a very inconvenient situation so that a person will pay to get it done in a timely manner. They are trying to thwart the law. I can only imaging how many honest ID theft victims have fallen for this scam from a company that is supposed to protect us from it. 

Thank you very much. 
XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to bring to your attention the ongoing and deeply concerning issue I am facing regarding the persistence of fraudulent items on my credit report. Despite multiple attempts to rectify this situation through your dispute resolution process, I have encountered significant challenges, and the fraudulent items remain unresolved. 

I have taken the following steps in my attempts to resolve this issue : I have submitted disputes for each fraudulent item through your designated online dispute platform, providing detailed information and supporting documents. 

I have contacted your customer support hotline to inquire about the status of my disputes. Unfortunately, the information provided has been inconsistent, and there has been no resolution to date. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to strengthen my case and provide clarity on the fraudulent nature of the items in question. 

Despite these efforts, the fraudulent items persist on my credit report, causing undue stress and negatively impacting my financial standing. This situation not only compromises the accuracy and integrity of my credit history but also erodes my confidence in the effectiveness of Credit Bureaus dispute resolution process. 

I request an immediate and thorough investigation into the fraudulent items on my credit report, along with a prompt resolution to correct these inaccuracies. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my expectation that Credit Bureaus will take immediate and decisive action to rectify this matter and provide a resolution that restores the accuracy of my credit report. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (NC)

1 ) On XX/XX/2018, after paying the Private Mortgage Insurance ( PMI ) for more than a year, I paid the new appraisal that Flagstar requests me in order to study the possibility to waive the Private Mortgage Insurance ( PMI ) 2 ) On XX/XX/2018, Flagstar told me that the appraised value was insufficient to warrant a waiver of the insurance. 
3 ) On XX/XX/XXXX, after several phone conversations with the PMI Department of Flagstar, they suggest me to DISPUTE the appraisal value. 
5 ) On XX/XX/2018, I sent to Flagstar an email with all the information that they requested me in order to dispute the appraisal value, in order to waive the Private Mortgage Insurance. ( including at least five Comparable houses sold in the last six months ) 6 ) On XX/XX/2018, after three weeks without a response, I sent a follow-up email to Flagstar. I did not receive any response 7 ) On XX/XX/2018, I spoke by phone with their PMI Department, and they assured me that I would get an answer on XX/XX/2018. They gave me the Case Number : XXXX, but I never heard back from them. 
8 ) On XX/XX/2018, I spoke with Mr. XXXX XXXX, Home Leading Area Manager of Flagstar, and I sent to him a new email. He sent me on XX/XX/2018, an email where he very kindly let me know that he escalated my case " through his management chain '' 9 ) On XX/XX/2018, I called Flagstar again and someone from the PMI Department told me that my case has not been yet resolved and that I have to wait for 3 to 4 weeks more for an answer ... 
10 ) On XX/XX/2018 I wrote an email to the Office of the President ( Flagstar ) asking for his collaboration in this case. 
11 ) On XX/XX/2018, I received an email from The Office of the President where they told me " We look forward to providing you a response within 30 business days ''. 
10 ) Until today, after more than FIFTY-TWO ( 52 ) days since XX/XX/2018, I have not received any response. 

I am not sure how many emails, phone calls, and months this company needs to answer a request from one of your clients. I am so sorry, but I am exhausted by this absurd bureaucratic system of Flagstar, and this is why I need your help. I would appreciate very much your kind consideration and valuable help in order to resolve this situation as soon as possible.
Consumer complaint received 2024-05-07
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (TX)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, ( your School Here ). 
As a matter of fact, XXXX XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by XXXX  XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of {$42000.00} were discharged and my credit repaired.

I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for XXXX months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the XXXX settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a XXXX XXXX times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. 
This application is a sham. Even when asked about this program and application, I was told in an email that the application was non-existent. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. 
Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

Link to Senator XXXX Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

The reported inaccuracies on my credit report include outdated and irrelevant personal information, such as multiple names, addresses, and phone numbers, inquiries, debt transactions, and potential negative accounts. 

Additionally, there are outdated employment details that inaccurately portray job instability, potentially compromising the confidentiality and privacy of my information based on unauthorized consent. 

These discrepancies are inconsistent with the Fair Credit Reporting Act ( FCRA ) and other relevant regulation governing accurate, timely, and fair credit reporting practices. Proper utilization of credit reporting standards should ensure the inclusion of only relevant and current information. 

Credit Bureau could potentially deviate from Consumer Reporting Agency ( CPA ) standards by failing to adhere to accurate and fair and fair reporting practices, violating consumers rights, or neglecting the obligations outlined in relevant statues such as the Fair Credit Reporting Act ( FCRA ), instances of consistently inaccurate reporting, failure to address disputes, or non-compliance with legal requirements prompt concerns about their alignment with the standards expected of a Consumer Reporting Agency, when acting as a Credit bureau business.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

XXXX XX/XX/XXXX at XXXX EST I received a verification on two accounts from Experian r that contained serious fraud. 

1. Experian falsely stated that a record had been verified when they performed NO investigation and the account was never verified. 

2. Further, as noted in my first complaint Experian failed to provide proof of the first fraudulent verification on these accounts. I sent two certified letters received by an agent of Experian on XX/XX/XXXX requiring them to produce the proof and method of verification for these accounts. This letter was ignored and no proof or documentation was EVER produced as required by 611 609 and 616 and therefore they certainly missed the deadline. These accounts MUST be deleted. These are just the certified letter I sent. I sent 4 others prior regular mail. 

These accounts were lied about by Experian and NO Verification was ever done upon my first a d second regular mail requests AS THE STATUS DATES WERE STILL THREE YEARS IN THE PAST! NOW they are still lying because I have a letter from XXXX that they DID NOT PROVIDE ANY VERIFICATION TO EXPERIAN AT ANY TIME as Experian claimed. 
These are repeated multiple violations and now these accounts must be deleted per the Rules.they
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX ACCOUNT XXXX BALANCE IS {$5700.00} XXXX XXXX XXXX ACCOUNT XXXX BALANCE IS {$25000.00} XXXX XXXX XXXX ACCOUNT XXXX BALANCE IS {$2100.00} THESE ACCOUNTS SHOULD NOT BE ON MY CREDIT REPORT, I DISPUTED THESE FROM XXXX   AND XXXX AND THEY ALREADY REMOVED FROM CREDIT REPORT, I MAILED A FRAUD THUR THE MAIL. PLEASE DELETE FROM CREDIT REPORT, THANK YOU
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OR)

I am writing to express my deep frustration and dissatisfaction regarding the ongoing issue I have been experiencing with my Citibank card. It has become exceedingly problematic as my card is repeatedly blocked after every single purchase, necessitating frequent and inconvenient contact with their fraud department to rectify the situation. 

This recurring problem is not only inconvenient but also highly disruptive to my daily activities. Each time my card is blocked, I am forced to halt whatever I am doing to contact the fraud department, verify my identity, and wait for the block to be lifted. This has happened repeatedly, immediately following each purchase I attempt to make, rendering my card virtually unusable. 

I have already contacted their fraud department numerous times to address this matter, but unfortunately, the issue persists without resolution. It is incredibly frustrating to be subjected to such disruptions, especially when I rely on my Citibank card for essential transactions. 

I urge CFBP and Citibank to investigate this matter urgently and provide a permanent solution. I request a thorough review of the security protocols associated with my account and ensure that my card is not flagged unnecessarily after legitimate transactions. This persistent problem is not only inconveniencing me but also undermining my confidence in Citibanks ability to provide reliable banking services. 

I would appreciate the prompt attention to this matter and a swift resolution to prevent further disruptions to my banking experience. Please contact me at your earliest convenience to discuss how we can rectify this situation and restore the functionality of my Citibank card.