davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
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. (NJ)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-01-20
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc. (OR)

I asked company for original statement and never received it. They called my neighbor across the street and left a call back number, they call my mother in law and did the same. I contacted ExperianXXXX and they removed it twice, now 2 years later it showed back up and refuse to remove. Original report number with Experian # XXXX
Consumer complaint received 2024-08-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I recently (XX/XX/XXXX ) received an application from Navient to discharge my student loans for the time I attended the XXXX XXXX XXXX XXXX from XXXX. I have already been approved for Borrower 's Defense for Discharge for any federal loans I had related to attending this school, however the vast majority of my loans were Private Signature Loans taken out and owned by Navient ( which I was coerced to take out at the time I attended XXXX ). My private loan balance with Navient is currently still over {$80000.00} for this education that has since been widely demonstrated to be a scam school and thousands of students have had their loans discharged because of misconduct on the part of the XXXX XXXX. 

I was denied by Navient for discharge of my student loans, with the only explanation being a vague letter stating that they reviewed my application but that I did not meet criteria ( they did not specify why ). I sent 100+ pages of evidence with my application for discharge - including clear evidence/screenshots of misconduct by employees from the XXXX XXXX- for instance, not following up/answering emails about my requests for job interviews, my hundreds of applications and denials of jobs for years following my graduation ( due to misrepresentation/false promises of job leads from the XXXX XXXX ), and the very low salary of jobs I finally did obtain years after graduation ( much lower than promised starting salaries ). I had to XXXX XXXX to make ends meet, and am still in great financial distress with almost a 70 % debt-to-income ratio because these student loans are hanging over my head. I did not receive any information as to why my application was denied by Navient and believe that these loans should be forgiven due to the harm that I have been caused ( and am still being caused ) by going to a scam school. I was coerced to take out private loans vs. other resources and know that this is partly due to the fact that XXXX XXXX schools had kickbacks from Sallie Mae/Navient ( this has been found to be true in various lawsuits ). I will be writing my state attorney general about this issue as well. 

I have attached part of the application I sent to Navient for your review as well - including the email I received for approval for Borrower 's Defense. I did not attach supplemental materials including lawsuits and other evidence supporting my claim that I included with my application to Navient.
Consumer complaint received 2024-08-05
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I submitted a CFPB complaint on XX/XX/year> to ChexSystems regarding an inaccurate account with XXXX XXXX XXXX XXXX. ChexSystems responded on XX/XX/year> stating that XXXX XXXX XXXX XXXX verified the information to be accurate and complete. Now I'm requesting ChexSystems method of investigation per the FCRA.
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Meta Payments Inc. (CO)

On XX/XX/2024, I purchased an item on XXXX XXXX for the amount of {$450.00}. The item was apparently shipped and a false tracking number was provided. The item was never delivered and therefore I opened a support claim with XXXX XXXX which was closed automatically. I then tried disputing the transaction through my financial institution in which XXXX made a claim that the item was delivered and so I lost the resolution. This has frustrated me very much because there is no way for me to get in contact with XXXX directly as I have been searching for a way for the past few months and there is no way for me to contact them. They have a XXXX XXXX that claims they will refund orders that are not received but are not honoring this policy. XXXX does not allow me to make another claim.
Consumer complaint received 2024-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (TX)

The company is telling me that : - I have to hit XXXX XXXX XXXXXXXX ( I understand that part ) - They WON'T use the originally selling price ( I don't understand that, b/c it's not in the original loan terms )- If I want to request removal, I have to pay {$190.00} for a new appraisal that MIGHT be done within 30 days ( I really don't understand this and I did not agree to that in my loan terms ) My loan was with XXXX XXXX and they sold it to Mr. Cooper for servicing and it's like when they sold the loan, new terms were added that I didn't agree to.
Consumer complaint received 2024-08-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC. (DC)

This company has harmed me personally as a minority XXXXXXXX XXXX  by XXXX me via coming to my house without permission and leaving sensitive documents on the porch where a worker could see them as well as my neighbors. There is not business at my house. This company retaliated against me per my complaint to BBB, Attorney General Office, CFPB and FTC in an attempt to silence me. We are entitled to the compensation for the XXXXXXXX XXXX fine levied against Enova International for deceptive practices, poor business and technology tools. We have lost income as a result of them invading my privacy by disclosing sensitive financial. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-04
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or can not be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (VA)

15 U.S. Code 1666b - Timing of payments a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Clearly the listed accounts ( ALL XXXX XXXX XXXX  PAYMENTS REFLECTING A LATE PAYMENT all XXXX XXXXXXXX XXXX products reporting late ) are in direct violation because there was nothing mailed in regard to a finanve charge from said creditor.
Consumer complaint received 2024-06-10
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. (NC)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-06-10
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. (AZ)

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit reportThe information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights.The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you!
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (CA)

I was a customer of PNC for years never having a late payment once with them. I contacted them to get a late payment remark removed from my credit report especially since my payment history is in perfect standing & has never been late. They then said I needed to speak with the credit bureaus ( XXXX XXXX XXXX ) to get it resolved which I have.. the credit bureaus have said that I need to resolve it with PNC. I am being sent in circles about this & have sent letters to each of them on XX/XX/28 to get this late payment removed from my credit report & have yet to hear back from them. These are incorrect & unlawful remarks being represented on my credit report & I am declaring that they get removed immediately.
Consumer complaint received 2024-06-11
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-06-11
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. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Nationwide Debt Reduction Services, LLC (PA)

One year ago I was contacted by a Debt Repair Service telling me that in three years my Credit Card debt would be taken care of if I spent so much money per month. I should have know in he very beginning it was a scam. My name was never correct, the Creditors could not find my information, I requested a paper contract so I could see what the exactly to expect and to have actually something in writing. I never signed anything the agent did it all and I still remember his name because I told him twice make sure you do not put my nickname on that. Guess what he did .... I was paying {$300.00} a month for over a year for this I asked every month problem to please send me hard copies so I can see what is happening and how this really works since no one seemed to be able to answer me. I was sued by XXXX, XXXX and all XXXX XXXX could find was a payment for {$190.00}. In one year I paid XXXX and nothing but {$190.00}. was paid out. Now I have to file bankruptsy to get out from under this mess. I have asked them repeatedly to give me that money back or at least {$3000.00} of it sinced they did nothing but get me into a bigger mess. I want that money, what they did was not right and now has cost me my retirement.
Consumer complaint received 2024-06-10
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: Experian Information Solutions Inc. (GA)

I am writing to follow up on my previous communications regarding unauthorized hard inquiries listed on my credit report. Despite my multiple attempts to resolve this issue, the inquiries from the following companies remain unaddressed.
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (TX)

I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report.If you do not take action and comply with my request, I will have no choice but take legal action against you!
Consumer complaint received 2024-06-10
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. (CA)

Subject : Dispute of Illegal Information on Credit Report Dear CFPB, I am disputing illegal information on my credit report related to the following accounts with XXXX XXXX : - Account : XXXX - Account : XXXX Despite contacting both the creditor and Experian, the errors remain unresolved. XXXX 's failure to update their records correctly after a claimed card issue has caused a severe drop in my credit score, leading to the rejection of my apartment application. This error has caused significant hardship, and I am currently homeless with my daughter.

According to 15 U.S.C. 1681a ( i ), this information should not be included in my consumer report. I request your investigation and removal of these inaccuracies.

Thank you for your attention. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-06-11
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: Experian Information Solutions Inc. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-10
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX 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 XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX