davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MI)

I have two private loans in good standing with Navient ( XXXX Signature Student and XXXX Signature Student ). Navient has reported both of my loan accounts as being 60 days past due as of XX/XX/XXXX to each of the three credit reporting agencies, XXXX, XXXX, and XXXX. My credit reports clearly indicate that, according to Navient, my loan accounts were 60 consecutive days past due as of XX/XX/XXXX. I have NEVER allowed my accounts to go 60 days past due in XXXX even though that is what Navient is reporting to the credit bureaus. Because of Navient 's harmful, unfounded and unorthodox credit reporting practices, each of my three credit reports indicates that I was past due for 60 consecutive days on each of my loan accounts as of XX/XX/XXXX. My loan accounts have NEVER been 60 days late in XXXX yet that is what Navient is reporting to XXXX, XXXX, and XXXX. I wrote an email to Navient 's CEO, XXXX XXXX, on XX/XX/XXXX explaining the problem and alerting him to the erroneous and harmful information that was being reported by Navient to my credit reports. He did not respond to my email. However, a Customer Advocate was assigned to assist me in investigating the errors on my credit report. The Customer Advocate assigned to assist me goes by the name XXXX ( a.k.a. XXXX ) and her ID # is XXXX. I gave XXXX all of the necessary information to investigate the issue and she confirmed that I was NEVER 60 days late in XXXX but rather I had a late payment in XX/XX/XXXX which allows Navient to report a 60-day late in XXXX for the month of XX/XX/XXXX. She justified and validated Navient reporting my accounts as 60 days past due even while admitting I was never 60 consecutive days past due in XXXX. I find these credit reporting practices to be extremely harmful, tyrannical and devasting to American consumers. In the face of the lawsuit filed by the Consumer Financial Protection Bureau in XX/XX/XXXX, Navient continues its harmful practices of unfair and unfounded credit reporting and misallocated payments. My loan accounts were NEVER 60 consecutive days late in XXXX and I demand that my credit reports reflect that. Unless my credit reports are corrected immediately, I will be filing a formal complaint with Attorney General XXXX XXXX and the Delaware Department of Justice as well as the Illinois and Washington attorneys general who are already in litigation with Navient. Not only that, I am fully prepared to organize a class action lawsuit against Navient to protect American consumers from becoming victims of Navient and it's flippant, harmful and negligent business practices.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Recently, I disputed a trade line that is being reported on my credit reports by XXXX XXXX. I disputed this trade line because I disagree with the amount claimed to be owed. Nevertheless, the results of the dispute came back as 'verified and accurate/meets FCRA requirements '. Thus, in XXXX of XXXX, I wrote a letter directly to XXXX XXXX requesting a copy of the original contract ( signed ) or accounting records used to VALIDATE the amount claimed to be owed. However, instead of sending me any of the requested documents, on XX/XX/XXXX, I was sent a one page summary that listed my name, address, and the amount claimed to be owed. Moreover, I wrote a follow up letter to XXXX, in XXXX of XXXX, which was received on XX/XX/XXXX. I am aware they have at least 30 days to respond, however, I called XXXX on XX/XX/XXXX and I was told by a customer service rep that were no records on file to validate this alleged debt. Given these facts, I am demanding that this trade line is permanently deleted from my profile.
Consumer complaint received 2023-04-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-14
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my XXXX was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Never trust XXXX, a service Wells Fargo Bank offers but won't stand behind. 

Wells Fargo Bank mis-represents their services by stating that consumers have a " Zero Liability Protection Program '' when using their services. Their XXXX Service does not properly disclose that the transfers are irreversible, and also violates CA law by failing to allow a way to cancel an IN process transaction online. 

On XX/XX/15 I had the phone number from my child 's daycare and they requested I pay via XXXX. I entered the phone number as XXXX XXXX instead of XXXX. I sent the request and then let the vendor know the money was on its way. He called me an hour later stating that the money was not there. I went online and the status said Processing. there was no button to cancel the transaction and no information about what to do if I had a problem. I waited until the morning, and then saw that the transaction went through to someone named XXXX instead of XXXX XXXX XXXX. I called Wells Fargo and they said that they would file a claim with XXXX and absolved themselves of any liability. 

They have done nothing to help me recover the funds and won't provide any information about how to contact the person who did receive the funds.
Consumer complaint received 2022-04-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Hello, My mother had a XXXX and I am now her power of attorney. I have managed to contact all her banks & credit card companies in order to manage her finances. I have been constantly dealing with her Capital Once accounts since XXXX with no resolve. They have had no issue with me making payments from my personal account and I have sent in my power of attorney ( I kid you not ) over 30 times. Now they have locked my mothers account and I am unable to get a resolution. There customer service hold time is beyond ridiculous and there is no chat option. They have her online account locked and there is no way allegedly to resolve this without speaking to a person. Again speaking to them does nothing and my mother was incurring fees due to this. I have since moved her balances to a different company. I need someone to contact me from Capital one that has the ability to resolve this. I am at the point that I may just close these accounts due to the frustration and hours of I spent dealing with this. I am sure they are breaking some sort of law, my mother is in speech therapy and can not not speak well or deal with this sort of issue and I have legal power of attorney which Capital one has on file.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX 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 XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX XXXX, XX/XX/2022 & XX/XX/2022 listed late payment
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The last 23 hard inquiries are Unauthorized Credit Inquiry Identity theft Police Report # XXXX Last attempt before lawsuit. 

Dear Sir / Madam I recently obtained a copy of my credit report from XXXX, XXXX, andTransUnion. It indicated that 25 credit inquiry was made! 
However, these inquiries were not authorized and I was victim of Identity Theft Therefore, I am writing to dispute the last 23 inquiries and have it removed from my credit report IMMEDIATELY, the police department has done the investigation. 

Please have these inquiries removed from my credit report. 

Please forward any documentation that you may have in regards to the removal of these credit inquiries. 



Thank you for your prompt assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am disputing inaccurate personal information listed on my credit report from Experian. Specifically, the address " XXXX XXXX XXXX, XXXX, NJ XXXX '' is not a valid mailable address, and " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX '' is a location where I have never resided. The inclusion of these addresses on my report is negatively impacting my credit profile. 

I am requesting that these incorrect addresses be removed and replaced with the correct information. Please investigate and correct this error in accordance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2018-12-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (NC)

I voluntarily gave a vehicle back to santander consumer USA inc. on XX/XX/2016. Ever since then they call every week even though they will not accept a settlement amount. I have asked for documentation of where the car was sold to confirm the remaining balance, and they have refused to send that to me. I need documentation for my records to ensure that the amount remaining is in fact the correct amount. I have tried to work out payments, but they want a ridiculous amount that is over the amount we tried to settle for in the past. This situation is hindering me financially. I made the decision to send the car back, due to the interest it was collecting and not being able to ever pay the car balance down any in the 3 years I had the car.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My federal student loan servicer XXXX sent me a notice dated XX/XX/ that states the following student loans were forgiven based on review of TEPSLF application. I have attached copy of notice that details that I satisfied loan obligations for loan sequence XXXX and XXXX Under loan program DLUCNS for amounts {$93000.00} and {$15000.00}. Please reflect the student loan discharge on my credit file from all three bureaus.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I made an online transaction of {$2500.00}, using the Bank Of America banking phone app, to send money to a friend. The app claims that it only required a phone number to be able to send money to the correct recipient. Both my friend and I are enrolled with Bank of America mobile banking. I entered my friend 's phone number and transferred the money. My friend got a text message confirming that I made the transfer, but the money never got deposited to his account. On XX/XX/XXXX, We called Bank Of America to ask what going on. They explained that the money went to a different person. They briefly explained that there was an error in the process of registering account with phone numbers. And there was another account associated with my friend 's account. We filed a a claim with Bank Of America on the same date. On XX/XX/XXXX I called Bank Of America to ask for an update, and was told that my case got closed without anything they can do because the person who had my money didn't have enough money in his account to return my money. I was told to seek my own legal counsel, and denied all responsibilities, even though they're the one at fault for transferring my money to the wrong person. The law services I've been contacting would not want to take the case because the dispute amount is too little ( but it's not for me ). I don't want to lose my money for I did not make any mistake. I don't feel like it's my responsibility to clean up this mess.
Consumer complaint received 2019-01-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (KS)

I drove my car to work and while I was at work a hail storm came thorough and destroyed my car, I tried to keep the car and my Insurance co said that Santander told them that we had to turn the car over to the insurance co and we could not keep it I would of got the car fixed and payed the car off but that  was still not a option. and so I had no choice but to buy another car and be stuck with two car payments that I could not afford. The finance co is Santander phone # XXXX out of XXXX XXXX Texas my Insurance co is XXXX XXXX in XXXX Ks I would appericate any Info please XXXX XXXX
Consumer complaint received 2022-11-30
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)

On XX/XX/22, I notified the consumer credit agencies of an account from XXXX XXXX XXXX XXXX on my credit file that is not mine. The account is still on my file as of right now. It has been over a month!!! According to 605 b of the Fair Credit Reporting Act, this item was supposed to be deleted within 4 business days after I notified them!! Also, nobody is allowed to put anything on my credit file without my written consent! I never gave anybody written consent. This fraudulent account is listed on my account as a charge off. That means they are committing tax fraud. They have taken a tax write off and sold the account.
Consumer complaint received 2022-04-13
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)

I HAVE NEW AN UPDATED INFORMATION I will like to know who did you interview to investigate my consumer report because it can only be with neighbors, friends, or associated of the consumer and such information shall not include specific factual information on a consumers credit record obtained directly from a creditor. 
I will like for your company to do as I say and to pay remedy for your company committing fraud 15 USC 1681a ( q ) ( 3 ). EXPERIAN has committed identity theft this information must be removed ( XXXX XXXX XXXX XXXX XXXX ). Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) Reported information can not be only transactions and experiences between the consumer and the creditor.

Pursuant to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Pursuant to 15 USC 1681q Obtaining information under false pretenses any person which includes an organization such as EXPERIAN who willfully and knowingly obtains information on a consumer from anther consumer reporting agency without written instructions or authorization pursuant to 15 USC 1681b is information obtained under false pretenses. I XXXX XXXX the ( consumer ) did not give written instructions or authorization. 

15 USC 1681n ( a ) ( 1 ) ( A ) Willful failure to comply with any requirement under the FCRA is damages up to {$1000.00}