davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
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. (FL)

I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report.

I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether.

I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation (IL)

Account Resolution Corporation- Open Balance {$1000.00} ( which changes by a dollar plus or minus periodically ) Original Creditor- XXXX- Opened XX/XX/. 

I have disputed this collection ; I have requested proof of debt. I have received nothing from this company and have no knowledge of this account. The company periodically changes the account balance plus or minus {$1.00}.
Consumer complaint received 2023-09-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (SC)

I applied for a new construction loan with cardinal financial. I was working with a contractor who was vetted and used by the bank prior to my loan. Long story short the contractor was associated with a company named XXXX XXXX  who have been ripping people off and didnt have license contractors and were taking peoples first draws, and not proceeding with the building process. I was working with the same company until I saw the red flags and was introduced to another builder which was vetted by the bank cardinal financial fast for fast forward several months they received my first draw a {$43000.00} and have not done any work on the property in months and will not communicate with me on refunding my money after termination, I found out that they were part of XXXX XXXX scheme, notified the bank, which did further research and found out that there were over 10 other clients of the bank who have been dealing with the same contractor and building company, we have all gotten together and realize we all had the same bank in common and reached out to them for help and they told us we were on our own on getting our money back. I do not believe that is fair being that there were several customers of theirs that were Friday by the same people and associates of the same people.
Consumer complaint received 2023-09-26
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. (TX)

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. 


Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2017-12-12
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. (IL)

I 've placed fraud alert on my credit report due to identity thief I 've reached out to, XXXX Experian and XXXX informing them this XXXX XXXX XXXX Acct # XXXX acct does n't belong to me. I 've even asked for acct verification with my signature, I have n't yet received this information. I 've called numerous time and have talked to customer service. 

XXXX : Dispute # XXXX, XXXX, XXXX, XXXX Experian Dispute # XXXX, XXXX, XXXX, XXXX, XXXX XXXX File # XXXX - I 've sent XXXX disputes and 4 pone calls
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (CA)

I have a XXXX Credit Card where I make a minimum payment to since the credit card was opened in XXXX 2013. I was not receiving my statements on time very early on when I first applied for a XXXX Credit Card and was unaware of the due date. I was making multiple payments for one month not knowing it was not reflecting on the following statement. Late fees were assessed and when contacting XXXX they were not willing to work with me on the late fees. The balance was increasing higher and higher and it became an absurd amount which I was unaware of. I have since paid half of the balance owed to my XXXX account. The monthly statements sent by mail were not being received.
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-26
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. (GA)

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. 

Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (NV)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A. (FL)

I am writing to request PNC BANK to provide verification and substantiation for certain items on my credit report that were previously blocked due to fraud. I have recently obtained additional information pertaining to these blocked transactions, which suggests that there may be factors necessitating further investigation and clarification.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Thaxton Investment Corporation (GA)

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX  {$3300.00}, XXXX XXXX XXXX {$12000.00}, XXXX XXXX XXXX {$10000.00}, XXXX XXXX {$560.00}
Consumer complaint received 2024-10-03
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Navient Solutions, LLC. (CA)

I was defrauded by XXXX XXXX XXXX XXXXSALLIE Mae/Navient . 
I attended the the school XX/XX/year> for approximately 2 months ( if that ). I withdrew shortly after arriving ( without a loan ). I quickly discovered the school representatives lied to me about retainment, job placement, accreditation, qualifications of staff, degree transfer, amongst many other things. At the time of my withdrawal i did not have a loan pulled, I was promised I would receive a loan by myself with funds going directly to me. I spoke to the financial dept. and the president of the school at the time of my withdrawal stating I did not have a loan and I was revoking any consent given prior as they had defrauded me. 

A loan was taken after I left the school. 

Sallie Mae/Navient refused to do anything when i reported the loan was taken without my consent or that of the cosigner. We were guaranteed no loan would be taken. Instead A loan was processed at a extremely high interest rate. I was not given proper communication, was overcharged and not given options for deferment and repayment. Under The Holder Rule Navient/Sallie Mae are equally responsible for the fraud that occurred.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

Account Name : XXXX XXXXXXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I am writing to formally request a complete and total discharge of all of my student loans held by Navient because of their misleading and misguided practices as well as their misrepresentation and their failure to provide correct and proper information and guidance pertaining to my student loan repayment options. 

Navient misguided me into choosing forbearance and deferment options, year after year after year, instead of guiding me toward income driven repayment plans that would have allowed me to obtain more affordable payments that would have eventually led me to student loan forgiveness. With the steering away from the income driven repayment options, my loan amounts continuously increased to amounts that surpassed the original amount of the loan. These incidents caused my credit score to repeatedly plummet and cause a financial strain which has made it difficult for me to obtain my expected financial obligations. 

Also, Navient has a sorted history of misreporting my payment status to the necessary credit agencies which overwhelmingly damaged my credit score. The inaccurate information provided by their representatives has interfered with my ability to obtain a more fair and equitable repayment options which has contributed to an astounding amount of accrued debt. These unfair and unscrupulous practices are consistent with the company 's boundless fraudulent actions for which Navient has been sued by many states and the Consumer Financial Protection Bureau ( CFPB ). 

Navient 's practices have caused me a great deal of financial harm, undue stress, anxiety and a lasting financial burden which could have been avoided with fair guidance concerning my student loan repayment options. I trusted the agents that I spoke with on numerous occasions to help guide me in the best decisions regarding my student loan repayments. This unfair practice has created an unnecessary and unjust financial burden and I would ask to have all of my student loans fully forgiven. 

Thank you for reviewing my request. I am hoping that CFPB will take the steps and actions to hold Navient accountable for their unfair practices and provided complete student loan forgiveness.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2023 approximately XXXX Eastern Time . I deposited an amount of {$1100.00} in Cash at the ATM of Citizens Bank Branch ( XXXX XXXX XXXX XXXX, Pa XXXX ) I always deposit cash in this ATM & this was the first time i had received a receipt stating we encountered a problem returning your cash. Please contact your financial institution I contacted them immediately. Even talk to the manager of that exact branch after they closed because she was still in the building. She stated that she already counted the money from the ATM and wouldnt do a re count until the next week. You can file a claim to receive your money. 

I filed a claim and told customer service for the claims department. That i have a receipt that states there was an error with the ATM. My claim was denied not once but twice without them contacting the exact branch there error occurred and also without them providing a way to send them proof of my receipt. 

I called customer service multiple times and they have yet to reach me after the required business days. Im late on my bills/rent due to them taking money back from me and i just want what Im owed and more core there inconvenience. 

I called the exact branch this transaction error happened at and she stated the claims department never called us and they never do to investigate claims. So my question for the department how can you determine no error was made without contacting or troubleshooting the atm.
Consumer complaint received 2023-09-26
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. (PA)

XXXX XXXX  included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. XXXX XXXX XXXX has two account on one report account number are XXXX and other report account number is XXXX neither accounts are mine
Consumer complaint received 2023-09-26
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. (PA)

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 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 2023-09-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (UT)

We were looking at our XXXX credit report on XX/XX/26 when we noticed an Exeter Finance account that we have no recollection of signing up for, apparently back in XXXX. Exeter Finance has been incorrectly stating that we owe them money on an " auto loan '' account, which was apparently repossessed. However, Exeter Finance never gave us any money to actually purchase a vehicle, they never sent us a check to go purchase a vehicle, and they never deposited any money into our bank account to purchase a vehicle. Since no auto loan transaction ever took place between Exeter finance and me, this account can not be valid in any way, shape, or form. 

However, when we tried disputing it on XXXX, they incorrectly validated this account as being legitimate, despite having no contract stating that this was an auto loan. No contract, no bank statements, no payment information, and when we tried to contact the company they immediately hung up on us after giving our information. 


This XXXX  Auto lender has falsely accused of owing them money and tanking our credit score along with it. We do not take this lightly, and we have demanded confirmation of this debt to which Exeter Finance has given us no reprieve. We even tried suing them in small claims court, in which they did not show up.

This repossession is invalid, illegitimate, and will be taken off our credit report due to the other lack of confirmation of this debt.
Consumer complaint received 2024-10-07
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: OneMain Finance Corporation (AZ)

I making this complaint over the unrecognized inquiry made on my credit report, according to the the Fair Credit Reporting Act ( FCRA I have the right to request removal when I dont recognize it and state that it wasnt me, I want to remove please