davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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.
Consumer complaint received 2017-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WA)

I am paying an exit fee of a {$100000.00} just for leaving XXXX University. I am very concerned, for I should not be paying this just to leave. It says that it is to pay off my XXXX Loan, on the XXXX which is also through Navient. I pay {$53.00} every 20 days and now that amount is going to be boosted up to {$120.00} come XXXX XXXX because it 's not after the grace period? which I am not sure what that completely means. I have talked to them about this but they have n't fully explained. They just change the subject and do n't actually answer the questions I ask. I just recently started paying off my students loans of {$340.00} a month. I do n't think I should be paying an exit for leaving school.
Consumer complaint received 2023-07-20
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. (CA)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. I have not made late payments to companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . This in inaccurate reporting and needs to be removed from my credit report immediately or furher action will be in pursuit per the Fair Credit Reporting Act.
Consumer complaint received 2023-07-20
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. (TX)

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

I told Experian, XXXX, and XXXX to investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; However they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are supposed to modify the accounts that arent reporting correctly.

15 USC 1681 section 602A states I have the right to privacy.

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

15 USC 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any customer containing any of the following any adverse item information ; other than records of convictions of crimes for 7 years.

Also they are NOT in compliance with Metro2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-07-20
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. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-07-20
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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 block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (WA)

I HAVE A CHECKING ACCOUNT WITH US BANK, XXXX, WA. BRANCH # XXXX. I am the only signatory to this account. Nevertheless the bank added my wife, XXXX XXXX, to the account without my permission or hers. And then the bank, without my permission or hers, starting sending the statements to a XXXX address, not my own. It took me months to figure out what happened. I then contacted the bank and spoke to several individuals who would not correct the problem. I eventually spoke to XXXX XXXX, District Manager. He admitted he had no signature card from my wife but refused to correct the problem. He said my only alternative was to close the account ( and I eventually withdrew all my funds. ) On XX/XX/2023 I filed a complaint with the OCC 's customer assistance group # XXXX. I never received any correspondence from this agency other than an initial acknowledgment. I called several times and was told they had received a letter from the bank but refused to give me a copy even though OCC 's form letter to me of XX/XX/XXXX told me I should carefully review the bank 's response and respond to OCC accordingly. I requested a copy of the letter from the bank, XXXX 's assistant XXXX XXXX said she would get back to me but never did and I have not received a copy of the letter from anyone. 

Adding a signatory to the account without my permission exposed me to liability for my wife 's creditor 's who could have garnished my account if they had a judgment and captured my separate funds. This is a profound beach of the bank 's fiduciary duty to your undersigned. The bank seems to take the position that it had a right to add the signatory to the account based on my telephone inquiry asking how could I do that if I wanted. I was told she must fill out a signature card and return it to the bank -- which we decided not to do. 

But even after we told the bank to correct the error it refused. This is an unfair or deceptive act or practice and the bank should be sanctioned.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

CFPB, EXPERIANS IGNORING MY DOCUMENTS THAT SUPPORT MY DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Experian for Violating Rights Under Arbitration Law Dear CFPB, I am writing to formally lodge a complaint against Experian regarding the continued reporting of inaccurate address, name information on my personal credit file. Despite my previous attempts to rectify this issue, Experian has failed to correct my records, which I believe is a violation of my rights under the arbitration law. 

Details of the complaint are as follows : inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Correct Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 
XXXX XXXX This inaccurate information is affecting my ability to secure loans. I kindly request that the CFPB investigate this matter and assist in ensuring that Experian corrects my personal file in accordance with the law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

Genesis Credit Management is reporting on my credit report -collection for past due rent for apartment I notified the company that I did not sign lease for year XXXX XXXX XXXX and disputed the debt. They claim the debt is verified The lease I co-signed ended XX/XX/XXXX The apartment was rented by relative and he received summons for past due rent my name is not on the summons for XX/XX/XXXX or XX/XX/XXXX since I was not on lease. 
The court cases were dismissed since he obtained emergency rental assistance from XXXX XXXX. After he moved the XXXX XXXX XXXX in XXXX XXXX sent the notices to collection agency.
Consumer complaint received 2023-10-09
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. (CA)

On XX/XX/2023, XXXX ( Retailer ) inquired about my credit score without my consent. Also, my credit report shows a current new address that does not belong to me. I called Transunion on XX/XX/2023, and filed a complaint about this matter.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is my second complaint since my first was closed with the companies response having incorrect information. And since, I have also received a copy of the police report that has been confirmed by the XXXXPD. I have tried to speak to the company over and over. I have filed over 6 different disputes for several different reasons, from BofA telling me I didn't have a claim, even though I had filed one a few days prior. To them telling me that I should file a police report in the very beginning of this ordeal, and since I followed their instructions not one claims specialist has asked me for my police report number, or a copy or anything. This report is affecting me opening any bank account. I thin BofA is completely useless and doesn't help their customers in anyway, even when I did have my account it was always a struggle to do anything. I didn't have the account for very long either and will never join or even recommend Bank of America to anyone.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This is NOT a duplicate report and this is not filed by a Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX, the following accounts below has violated my rights according to : 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 section 604 A section 2, States a consumer reporting agency can not furnish an account without my written instructions. 

Account name : XXXX XXXX XXXX  Account XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXXXXXX  Account XXXX XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Furthermore, please provide the following : 1, The Original Contracts with my signature on it 2. Creditor information ( Name, Address and phone number of original merchant ) 3. The payment history and itemized billing associated with each account 4. Proof of Ownership ( Proof that the company trying to collect this debt has authorization to do so ) If you cant provide these four things for all of the above accounts then please delete these accounts immediately. Thanks
Consumer complaint received 2023-07-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

My checking account was hacked and a total of {$1400.00} was fraudulently withdrawn from my checking account ..I made 2 claims, the claim # is XXXX for the lost {$1000.00} and bank records will show my claim of {$440.00} the day of the incident. I was told I would be given a provisional credit, to which I have not received. The bank closed the hacked account for security reasons and reopened another checking account. 

I am a victim of a crime XXXX from losing my purse. Funds from my checking accounts were stolen. I am facing a hardship and need my account credited. I am Requesting the rules and regulations concerning provisional credits and the time frame allocated for such credits.
Consumer complaint received 2024-08-11
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)

ACCOUNTS : XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that Experian block and remove the accounts listed in this CFPB complaint from my credit file within 4 business days. I included a copy of my ID, Utility Bill and FTC Report.
Consumer complaint received 2023-07-20
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account loan opened at XXXX XXXX XXXX under the account number XXXX opened XX/XX/XXXX with a balance of {$790.00}. XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX account number XXXX that resulted a late payment on XX/XX/XXXX as do XXXX XXXX XXXX XXXX account number XXXX that resulted in a late payment on XX/XX/XXXX. XXXX XXXX XXXX account number XXXX resulting late payments due to Human Trafficking. please remove all late payments. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, late payments or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, late payments and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX, Experian, XXXX are all reporting the following incorrect data on my credit report. 
Please apply these laws to my accounts : the Fair Debt Collection Practices Act Law 111-203, Title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Closed/Collection/Charge-Off ADDRESS : XXXX XXXX XXXX, XXXX, PA XXXX REASON : Not my Account. Please remove it from my credit report ACCOUNT NAME : XXXX XXXXT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Closed/Late Payments ADDRESS : XXXX XXXX XXXX, XXXX, PA XXXX XXXX : Not my account Please remove it from my credit report ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX TYPE OF ACCOUNT : Revolving/Open/Late Payments ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX This account belongs to me. I never made late payments on this account. However, payments are showing up on my credit report as delinquent. Please change all late payments to on-time payments. 

ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Installment/Late Payments ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX XXXX : This account belongs to me. I never made late payments on this account. However, payments are showing up on my credit report as delinquent. Please change all late payments to on-time payments.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Regarding : Application ID XXXX I am requesting that Capital One remove the hard inquiry from my credit file with all three credit bureaus. 

I applied for a Capital One Business Credit Card and I was approved for a {$1000.00} business credit limit. 

However, after faxing copies of both of my drivers licenses ( one with my maiden name and one with my married name ) and a copy of my social security card 5 times and mailing my documents once. Capital One never opened my account. 

First issue Capital One sent an email that included a button that is supposed to be a link that should open a web page so that I can upload my documents. The button has never worked since the first day Capital One sent the email. I called to inform them and was directed to fax my documents. 

Second issue As I faxed my documents, Capital One has XXXX communication with rather they've received my documents or not. I was only updated by initiating a call and waiting in the customer service que to confirm that my documents were received. 

Third issue I also mailed the documents in after 5 fax attempts. All were successfully delivered from my end. 

I made every attempt with Capital One verification department to provide the a copy of my drivers license and social security card. 

Now I have a damaging hard inquiry on my credit file with no open credit card account, although I was approved.
Consumer complaint received 2023-07-20
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. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}