davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (GA)

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX - XXXX... 
XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2023-02-10
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. (UT)

I was checking out my credit report and I tried to dispute an outdated account for Experian to remove and they keep denying my requests I have been sending in to verify and validate this account. 

XXXXXXXX XXXX - Account # XXXX Past 7 years statute on reporting Reporting inaccurately because XXXX and Experian is not reporting the account. Only Experian reporting inaccurately. 
Date last reported was XX/XX/2017, so that means Experian lied about debt validation. 

PLEASE DELETE IMMEDIATELY XXXXXXXX XXXX - Account # XXXX
Consumer complaint received 2023-02-10
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. (FL)

On XX/XX/2022 I sent you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX XXXX XXXX account XXXX, you received my dispute letter. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and modify disputed information as I requested before the end of the 30-day period of the date on which you received my dispute letter. Therefore, your response was due on or by XX/XX/2022 : Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated claiming item was verified but didnt send any proof. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FRA, you are liable to me for damages for your conduct Thus, in addition to your Select deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of ( XXXX XXXX XXXX ]. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days delete the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1.00} check to my mailing address listed above. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX and I am a victim of Identity Theft. I have recently obtained a copy of my credit report and the information does not relate to any transaction that i have made and has incorrect addresses. I am requesting that the credit bureaus completely block and remove this incorrect unknown information from my credit report.
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Manley Deas & Kochalski LLC (IN)

I have submitted a Request for Mortgage Assistance ( XXXX ) along with every document requested to bring this mortgage up to date. I was waiting for two years for the mortgage company 's underwriters to accept the legal documentation submitted by my attorney for the deed to my home. 

My home has been put on the Sheriffs sale list 3 times now. This mortgage company 's attorneys have not done any research on my account. If they had they would see that I am waiting on their underwriters to do their job. 

I can not sleep or eat. This whole situation has given me XXXX XXXX. I have done EVERYTHING possible to take care of this problem. The mortgage company 's attorneys just keep on filing. This whole situation is due to the lack of knowledge, professionalism and legality of the mortgage company and their underwriters and attorneys.
Consumer complaint received 2023-01-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

This is a formal complaint regarding a private student loan account with Navient XXXX XXXX At present, Navient has sent threatening/intimidating mail and has routinely harassed authorized representative about the account. Navient uses different auto dialer programs from random numbers in Washington, New York, and Pennsylvania with attempts to bully/intimidate this account representative and co-signor. This is a violation of 15 USC Code 1692d et seq.-Harrassment or abuse. Navient has received corrective notification via online portal that this authorized representative has exclusive POA  of this account. XXXX XXXX has been appointed fiduciary of this account. In addition, I have common law copyright of the all caps ENTITY and and have FULL FAITH AND CREDIT of the BC. I, as the living woman, was never given full disclosure that my living human was being used as a transmitting utility for the fictitious ENTITY created via the registration of birth certificate by the bankrupt UNITED STATES OF AMERICA XXXX. As a result, I am correcting all ENTITLEMENTS of use of this BC and SSN account which includes NAVIENT. In addition, I have sent documents reflecting the harassment and lack of cooperation with NAVIENT to correct this account. These documents have been sent to all branches of IRS regarding fraud, the DIVISION OF DEPOSITOR AND CONSUMER PROTECTION of the FDIC, and the SECURITIES AND EXCHANGE COMMISSION as formal complaints.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (IN)

I put in an order through XXXX on XX/XX/2023 AT XXXXXXXX XXXX. 15 minutes later I cancelled but they said it was already being shipped. So they took XXXX, from my credit card. I called my bank and they said it was still pending. There is no way 15, minutes after putting in an order at XXXXXXXX XXXX  they were shipping my order. I cancelled the order at XXXXXXXX XXXX. Their policy is they don't charge you until item ships yet 15 minutes after submitting order they took XXXX from my card. the order number is Order # XXXX. My bank says it still shows as pending but XXXX says it's been cancelled. XXXX policy is you are not charged until items ship, how ever they took XXXX within 15 minutes of placing order before items were shipped. XXXX says it was cancelled but if you look at screenshot 65 it still says pending.
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (FL)

There is information on my credit report that does not belong to me. The company does not follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as required by 15U.S.C 1681e ( b ) also they are reporting collections accounts which no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collection pursuant 15 U.S.C 1681c ( 4 ).
Consumer complaint received 2024-10-05
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: EQUIFAX, INC. (WA)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - The following inquiries were not authorized and should not be reporting.
Consumer complaint received 2023-01-03
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I have a XXXX mortgage with Wells Fargo. They have tried everything toforeclose on my mortgage illegally. I was denied a loan modificationseveral times. Many of my payments went unreported. 
I sent for information from them on my mortgage, they neversent anything. I filed Bankruptcy and they would not comply with thecourt. They ignored every request from the courts and from myattorney. I asked them again for a modification and they soldmy loan to XXXX XXXX XXXX XXXX XXXX XXXX LOANS
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The above creditor have violated my rights under the quoted sections. I did not give my written instruction to furnish the accounts. Allegedly validating a debt isn't justification for not receiving my written instruction.
Consumer complaint received 2023-01-03
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: SYNCHRONY FINANCIAL (GA)

In accordance with the fair credit Reporting act Synchrony Financial account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for an purpose.
Consumer complaint received 2023-01-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. ()

I recently sent multiple letters regarding the inaccurate information I found on my credit report. It was more than 45 days since but I did not receive any response or results.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DC)

Account in good standing, customer for over 17 years, over $ XXXX credit line. Received e-mail yesterday XX/XX/XXXXXXXX  that they were going to close my account. Citibank states that they pulled my credit report from XXXX in XX/XX/XXXX and decided to close my account. Pulled three bureau credit score, all shows credit score over 800 and no issues. Called Citibank this morning to ask what was going on and was told the above.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The company does not let me close my account online, and when I call they transfer me to another department and leave me on hold. I have tried twice to cancel but the wait time is greater than 20 minutes on the phone.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

I have a private student loan with Navient. I am trying to pay the loan, but they keep giving me reduced payments and forbearance options and they lie about how that is being handled. I am really at my wits end with their illegal practices, the lies, harrassment, and repeated phone calls with more lies. I have requested that they never call me and they only correspond through the mail or email. They refuse and say ; it is our right to call you, which I know is illegal upon my request. I know that there is a lawsuit that was awarded for Navient private student loans and I did not receive anything in the mail, but we did move. I am not sure if I will be a part of that, but I feel that I should, because I have been a victim of their illegal forbearance practices and harrassment.
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

Over the course of the last year, the servicer MOHELA has grossly mishandled my loans. The main aspect of this complaint is that I should be on the zero-interest administrative forbearance with many other servicers. However, due to the bureaucracy issues that emerged when MOHELA transitioned to become a servicer under the federal department of student aid, I am not able to be in XXXX-interest administrative forbearance. 

On XXXX, XX/XX/year>, I made a call to the MOHELA asking about why I was not on zero-interest administrative forbearance. The call that was recorded, captured the representative agreeing that that only reason I am having interest accumulate against me is due to a bureaucracy issue. Over the course of the year I have applied for the XXXX, XXXX and XXXX programs. I was initially accepted but then due to the changes I had to reapply. Like many others, I reapplied and am in the processing phase. However despite my initial acceptance into the XXXX and XXXX program, am accruing interest despite my diligence in applying for the programs. Additionally, there have been previous conversations with representatives, letters sent to my email and my home address that further confuse the matter. There is no other reason for this interest accumulation aside from the lack of foresight from MOHELA leadership.
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

During the window of time offered by the XXXX XXXX, Biden Administration, I was allowed to apply for a SAVE program that would prevent the MOHELA company from charging interest on my loan. I was APPROVED for the SAVE program by the government. MOHELA made a unilateral decision to put me on forebarence and charge me 7.5 % interest compounding daily on my loans. I have called and emailed MOHELA and gotten NO RESPONSE. A few months a go I got a letter saying they are changing web portals. I tried to log into the new portal to contact them and discovered I have been locked OUT of the web portal with no means of getting back in to try to reach them. I am APPROVED FOR SAVE which is the government program that PREVENTS MOHELA FROM CHARGING INTEREST. HOW can I dispute their treatment of my loans when they LOCK me out of a portal and refuse to return calls and emails? ADDITIONALLY, I struggle with XXXX  XXXX and have tried for over 8 years to get Mohela and the Fed Loan servicers to provide XXXX assistance. THEY HAVE REFUSED. I HAVE IT ON RECORDED CALLS.
Consumer complaint received 2024-11-13
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. (NC)

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 Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 2024-08-16
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

I have 7 credit card accounts with Synchrony Bank. They have begun charging me a junk fee of {$1.00} per month to mail me a paper statement. The bank is showing net earnings of {$640.00} XXXXXXXX XXXX XXXX. They can send paper marketing material via US Mail but then charge me to produce and send a monthly paper document reconciliation of my account? This is corporate thievery and I can not believe the US Government allows this.