davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (PA)

On August 6th- 2024 I requested the misconduct discharge application. Although my loans have been paid in full- I was Scammed by Fraudulent, For-Profit College and Servicer Misconduct XXXX XXXX XXXX XXXX XXXX I have been a part of the XXXXXXXX XXXX XXXX class group and finally received a discharge on my federal loans. On XX/XX/2024 I received an email from Navient stating : Thank you for inquiring about a school misconduct discharge for your private loans. We have determined that your loans are not eligible because they are no longer outstanding and have been paid in full. 



Thank you, XXXX XXXX XXXX XXXX XXXX I should receive refunds for the enormous amount of private student loans I paid off with interest rates in the XXXX % at the time of the loan. I should be able to fill out an application for relief. I paid thousands of dollars for a degree and credits that did not transfer and were not considered a real degree. I had to retake all of my courses at another university to receive my XXXX XXXX. I have suffered a great deal of financial harm, emotional and mental damage, and professional difficulty as a result of the misrepresentation of their completion/credit transfer agreeance. 

I have opened many complaints about Navient in the past through CFPB. I will attach a screenshot of them. 



Website Articles : https : //www.warren.senate.govXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NV)

I received a call from a collection agency claiming that in XXXX  I closed a Wells Fargo checking account with overdraft fees. The collection agency said that I am required to pay off the account of {$1600.00} or I will be summoned to court. This collection agency knew my date of birth, address, and full social. I went to my nearest Wells Fargo branch to acquire more information and they confirmed that there was no checking account under my name.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (VA)

Letter dated XX/XX/year> from XXXX XXXX states that I need to take action for a credit card application and that identity could not be verified and application would be canceled if I did not respond by XX/XX/XXXX. I waited until XX/XX/XXXX to contact them. I contacted XXXX XXXX and advised them that I did not request a card and please cancel the request and open a fraud case file # XXXX. 

XX/XX/year> received in the mail a travel credit card from Truist. XX/XX/year>, I contacted Truist and requested cancellation and closure of this request, advised it was unauthorized and it was a fraudulent request. Truist opened fraudulent case ID XXXX and advised I would receive follow-up material.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLIANT CREDIT UNION (GA)

I am writing to formally dispute an incorrect address that is currently reported on my credit file. The address in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This address is incorrect and should not be associated with my credit profile. To help facilitate the correction, I have enclosed the following documents as proof of my correct address : XXXX. A copy of my government-issued ID ( e.g., drivers license, passport ). 
XXXX. A copy of a recent utility bill or bank statement showing my correct address. 
XXXX. A copy of my social security card Please investigate this matter and update my credit report to reflect my correct address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have this information corrected if it is found to be inaccurate. Please provide written confirmation once this correction has been made. 

Thank you for taking the time to look into this matter. I look forward to your timely response.
Consumer complaint received 2023-05-27
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. (FL)

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include the listed accounts below that are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX ( Original Creditor : XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Consumer complaint received 2024-08-09
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 submitted an application for student loan discharge based on school misconduct on XXXX. XXXX I have received a denial letter stating that I do not meet the requirements for discharge. The letter does not give any information as to what requirements that I do not qualify. I am requested to be supplied with the proper documentation and specifications to which I was denied XXXX. My misconduct application supplied Navient with more than sufficient information in a timely manner. I was even told that my school does qualify for discharge before even being presented with the application around XXXX. I requested more than a vague explanation. This letter does not give any reasons. I was told by a representative on XXXX that I could submit additional documentation. I have given an ample amount of documentaion that was submitted with my application. I am following up with a complaint to the CFPB to acquire this information because navient has failed to supply this information as these are my rights.The fair credit reporting act ( FCRA ) and equal credit reporting act ( ECOA ) require creditors to provide specific reasons for denying or not discharging a loan. I am requesting further clarification in order to address this matter. I also requested information on how to appeal this and was not supplied with any information.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (CO)

During the last few months, I have noticed a collection account on my credit report from LVNV FUNDING LLC ( XXXX ) that I have no knowledge of how it was placed under my name. Neither the collector nor the creditor claiming to be the original ( XXXX XXXX XXXX ) provided me with certified notifications that the account would be transferred to a third party, nor was I requested permission for a permissible purpose to report it on my record. Therefore, I proceeded to dispute the account in writing, requesting validation and removal of the account ; however, they have ignored my communications with them and the credit bureaus. The account is being reported inconsistently on my report, providing incomplete information among the three credit bureaus, which raises further concern about my case. Since they are not providing concise information to the credit bureaus, this may be considered a violation of 15 USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (IN)

On XX/XX/year> I sent out a dispute to resolve the collection in the amount of XXXX and {$680.00}. That was on my credit report. There was no resolve and Im still receiving collection notices every month.
Consumer complaint received 2024-08-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (KY)

XXXX XXXX  XXXX advertises big sales. The amount online does NOT reflect price of the actual car. Its a scam. 

XXXX XXXX XXXX XXXX  was purchased from XXXX XXXX  XXXX in XXXX. 

Advertised sales price is XXXX  XXXX. 

I traded XXXX XXXX mustang convertible. 

Final amount financed XXXX XXXX has yet to contact me about this dealership!!!
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NY)

I do not have a contract with LVNV FUNDING LLC, I am not liable for any alleged debt that they bought and are illegally reporting to my credit report. They are in violation of XXXX. Prima Facie Evidence by Third-Party Documents. 
Primary tabs A document in due form purporting to be a bill of lading, policy or certificate of insurance, official weigher 's or inspector 's certificate, consular invoice, or any other document authorized or required by the contract to be issued by a third party is prima facie evidence of its own authenticity and genuineness and of the facts stated in the document by the third party. XXXX. Remedies for Fraud. 15 U.S. Code 1681b - Permissible purposes of consumer reports I never have you written consent to use private non public persons information for any reason. If you take my information to compile a file on me that represents me and I had nothing to do with it or you didnt have my explicit written permission do to so is considered identity theft I will hold in any capacity liable for all charges that I will send in my demand letter to start my litigation. A bank statement or history of an account or history of payments is not evidence that I owe a debt. 18 USC 8 Clearly states all obligations public and private belong to the United States.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Good Afternoon On XX/XX/year> there was a suspicious XXXX payment sent to someone I did not authorize the XXXX payment was for the amount of XXXX $ and Chase declined the XXXX payment a couple times before they actually decided to approve it and let it go through. I made a dispute in which they gave me the money back until they investigated, after 2 weeks I see that they declined the claim and took the amount out of my account leaving my account on a negative balance. They were not able to prove that the transaction was me that authorized it, all they said was they couldnt help me further. I am sure you are aware that it is illegal to wrongfully accuse me of this transaction without any proof. And I will indeed take legal actions if I have to. I am requesting full validation that this indeed was me.
Consumer complaint received 2024-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I have an account with XXXX XXXX and LVNV Funding LLC is illegally trying to collect on a debt that is covered by the arbitration clause in my loan agreement. 

In violation of the FDCPA, LVNV has posted the collection account on my credit reports.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have attached copies of my id
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL (GA)

I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company. To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).
Consumer complaint received 2024-08-07
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: EQUIFAX, INC. (CA)

I am writing to formally request the removal of unauthorized inquiries on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) due to identity theft. I have discovered several inquiries on my credit report that were made without my authorization, and I believe these inquiries were a result of identity theft. 

The specific details of the unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S. Code 1681c-2 ), victims of identity theft can request that credit reporting agencies block information resulting from identity theft. This section of the FCRA mandates that consumer reporting agencies must block the reporting of any information in a consumers file that the consumer identifies as information that resulted from an alleged identity theft. Furthermore, Section 611 ( 15 U.S. Code 1681i ) of the FCRA provides the right to dispute inaccurate information on credit reports. Under this provision, credit reporting agencies are required to investigate and correct any inaccuracies found in a consumer 's credit report.
Consumer complaint received 2024-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to follow up and request to remove unauthorized Inquiries from my credit report. I've enclosed a copy of the credit report. I've listed the unauthorized inquiries below and also circled them in red on the enclosed report. In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. These are the followimng inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (TX)

The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with KIKOFF, I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.

After speaking with KIKOFF customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights.

KIKOFF is tarnishing my name and credit profile by reporting these accounts ( late payments inaccurately ) without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA
Consumer complaint received 2024-08-07
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: Resurgent Capital Services L.P. (MI)

I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. 

I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 

Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

dispute an account reported by- LVNV FUNDING LLC {$1500.00} on my XXXX  credit report. I am not liable for this debt and have no contractual agreement with XXXX XXXX XXXX. This account is inaccurate and should be removed from my credit report immediately.Under the Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681i ( a ) ), you are required to investigate and correct any inaccuracies within XXXX days. Additionally, 18 U.S.C. 8 defines obligations and fraudulent activities involving financial documents, which may  apply to this erroneous account.