davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

My consolidated subsidized student loans started at {$13000.00} in XXXX and has grown to {$28000.00} current balance owed. I have been charged capitalized interest during deferments, forbearance and IBR. I receive a statement with {$250.00} owed each month but with a {$0.00} amount due and interest is accrued on this amount. Capitalized interest is added every month. Some months it's over {$1000.00} and some months it's only {$50.00}. Navient will not explain how the repayment works and will not explain why I get a bill for {$250.00} every month with {$0.00} amount due. I have contacted Navient several times through out the life of my loans but I never relieve any resolution. In XXXX I I owed about {$19000.00} which I disagreed with but had offered a {$15000.00} payment to close my account in good standing. Navient refused to accept this amount. 
Also, Navient has sold my private information to several third party " debt relief '' companies that contact me 4-5 times every day. These companies have the exact amount I owe, payment activity, social security number, birth date, etc. They say I qualify for forgiveness but only have 5 day to respond. One company actually tricked me int o allowing them to login to my account. I thought I was verifying information, but they actually used that information to get a new password and almost had me signing an agreement with them. These companies pressure me every time I answer the call and they use voip numbers that are untraceable. Navient will not allow me to opt out of third party advertisements.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I filed disputes with each credit agency ( XXXX, XXXX and TransUnion ) regarding the student loan balance with XXXX. 
My student loans were transferred by XXXX to XXXX in XX/XX/2023, however the loan continues to be listed as open on my credit report. 
Dispute filing disputes with each agency, XXXX still refuses to report the loan was transferred and my account is closed. 
My credit report continues to show I owe double the amount of student loans when that information is inaccurate.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AL)

Company was applying my payments incorrectly. Had been paying over the minimum amount, changed auto pay to begin charging minimum amount and that's when all the issues started. They tried to tell me that my payment made in XX/XX/XXXX wasn't for the XX/XX/XXXX - XX/XX/XXXX billing cycle that it was actually for XX/XX/XXXX. They told me that my payments are actually for the next months statement. So instead of applying my {$100.00} payment, they only applied $ XXXX.They kept reversing my transactions to where I don't even know what I have and haven't paid. My XX/XX/XXXX payment was late because of these issues I was having. I made a payment online for the due amount. Then on my next statement, it said that I was {$3.00} past due.I made a {$100.00} payment on the company 's website on XX/XX/XXXX, minimum amount due was {$3.00}. My payment then was due on XX/XX/XXXX. I made a payment on XX/XX/XXXX for {$170.00}. I should not be at fault and penalized for {$3.00} if I was unaware that I even owed that. I paid a late fee that I shouldn't have even paid. When I called to talk to them about this they didn't even bother to help. I submitted disputes with all 3 credit bureaus. XXXX sent me the results dated XX/XX/XXXX which showed that I was in good standing and that I was never late on payments. However, I looked on the website today and it had changed back to negative. How are they able to change the status without sending me some type of reason why it was reversed over two weeks later.
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (NY)

I have been contacted by an employee of this company that has informed me that she will continue to call and harass me about an unknown alleged debt. I am aware that according to article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Credit Corp Solutions and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 
As of XX/XX/2023 I have not received any documentary evidence such as a trilateral contract giving Credit Corp Solutions any right to collect on this alleged debt. I have never received any documentation requesting validation from Credit Corp Solutions before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking.

If Credit Corp Solutions can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Credit Corp Solutions can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 
If this documentary evidence can not be produced and Credit Corp Solutions continues its collection efforts, I will file for litigation for actual damages caused and Credit Corp Solutions will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. 
Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. 
Your prompt attention and response are both requested and required.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2023, I submitted dispute letters to have accounts removed that were reporting inaccurately as well as reporting things that violate my Consumer Law Rights! The accounts that I reported were : XXXX XXXX ( which is the one I need remove the most due to the most violating done ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting 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. (GA)

I did not give XXXX XXXX XXXX permission to share my personal information with any other third parties. I wrote them asking for disclosures that I signed that gave them permission to share my information with the top three credit reporting agencies. I have not received a response as of yet.
Consumer complaint received 2023-10-06
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. (SC)

My car loan with XXXX XXXX XXXX was paid in full back on XX/XX/XXXX and a payoff letter was sent to my to verify. I then submitted a dispute with Experian so they would proceed to review/confirm and update this on my credit report. They had enough time to simply resolve this issue and I verified with XXXX they communicated this info to all 3 bureaus. 
Because Experian did not perform their due diligence my total debt has increased to {$100000.00} due to {$43000.00} not being erased from my debt. Now XXXX has reported the new vehicle I have ( no longer have the XXXX ) and an additional {$33000.00} has been added which is all that should be reflected as a installment loan. So my score has dropped my debt increased and its affecting my credit, its unfair inaccurate and I am very dissatisfied with these terms of action.
Consumer complaint received 2023-08-10
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: CBC Companies, Inc. (TX)

The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on 4 inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. 
This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (DE)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

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 copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XXXX
Consumer complaint received 2023-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please update these items. 

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 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 2023-08-10
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: BARCLAYS BANK DELAWARE (IL)

I received a notification from my identity theft protection insurance company with a fraud account opened in my name. My identity was stolen and used to open a credit card at Barclays Bank. We called and notified them of the fraud credit cart. The credit card was created on XX/XX/XXXX and was canceled, however it has been under investigation with no outcome. Myself and my identity theft protection insurance has contacted them every 7 days, to 2 weeks with no results to remove the credit card from my credit report. It has been over 90 days when Barclays bank said they would complete the investigation. 

The desired outcome is that the Barclay 's Bank account AND the inquiry be completely removed from all of my credit reports.
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (PA)

I was a victim of fraud in 2021. I had XXXX stolen off of me in a couple hours. I contacted reliacard about it and they had me send them a bunch of information including the transaction amounts and dates. They said they investigated and found no evidence of fraud even though it was used in both XXXX XXXX XXXX within an hour of each other. I want to appeal but they are telling me I can't
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX Balance Owed : {$2900.00} ; 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 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 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00}