davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

XX/XX/2024 a Joint statement was released by the Department of Education it was a summary of Joint Investigations into the XXXX XXXX XXXX XXXX and all of its For Profit Colleges. That Press release gave notice from multiple Government Entities and Investigations about the Misconduct the College engaged in with defrauding the Student Borrowers. I have been requesting information specifically in regards to the Holder Rule in my Loan Agreement since that Press Release was posted.

My dealings with Navient regarding my student loan that was for The XXXX XXXX XXXX XXXX XXXX XXXX continues to give Navient more opportunity to give me false and misleading information about the Terms and Conditions of my Loan. I have sent them the FTC XXXX on the Holder Rule which is not hard to understand. I have been sent notices with information that does fall inline with Federal Law. In response to requests for the Holder Rule to be adhered to as it is mandated to be in the Loan Agreement they replied and I quote " It is important to understand that private student loans are nonfederal loans and the terms and conditions for private loans are set by the lender. '' Going off of the Guidelines Navient has no such authority to alter the terms and conditions in regards to the Holder Rule. By doing so they are violating the Holder Rule Notice Requirements while also breaching the loan contract. Navient keeps trying to gaslight me into believing they have the ability to deny the request by quoting a generic statement about their Loan Misconduct Form which doesn't fall inline with the Loan Agreement I have with them as it too violates the Terms and Conditions of The Holder Rule by injecting criteria that is only known by Navient. So Navient can reference vague criteria while not allowing for any kind of challenge trapping Borrowers in a loop of appeals while effectively being useless and doing nothing to help those Borrowers who are trying to get relief on Loans that were to Predatory For Profit Colleges. 
I notified Navient of Employee misconduct in regards to an employee relaying false information about the Press Release as well on XX/XX/2024 where I asked again about the Holder Rule while being coerced into their School Misconduct Application Scheme. I was not given a response on that misconduct or notified of any information regarding that misconduct nor the intitial Press Release in the form of a fraudalent substitution I am given a corporate phrase which sums up to they believe they have authorities that are not found in my Loan Agreement that such decisions are proprietary. I am getting rather annoyed with this behavior.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, 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. (GA)

Atfer reviewing my credit report, I noticed that I have several inquiries on my credit report that I am not aware of that may be affecting my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
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. (GA)

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NY)

When reviewing my credit report in XXXX 2024, I noticed a synchrony bank account on it that I never opened. It was a huge amount ( close to $ XXXX ) that I was shocked to see as I hadnt opened it and had never seen information about it. I never received statements, emails, calls, anything. 

I have filed police reports ( locally and with the FTC ), frozen my credit, and contacted all XXXX credit bureaus. Synchrony still wont accept that the account is fraudulent and wont provide information about the opening of the account ( including signature pages ) or proof that the statements were sent to me. I do know that that synchrony claims I made payments from a bank in XXXX, XXXX, a place I have never been and to which I have no connection. Synchrony will not send information about the bank the payments were made from. It wont provide signatures used to open the account. It wont provide merchant information about what was purchased to create a $ XXXX bill. It wont give any information despite my many requests for such information. 

I did not open this account, know of its existence before I saw it on my credit report, use the account or make payments on the account. Ive been disputing it since the day I discovered it. I dont know what else to do. Synchrony wont answer my questions or remove it from my report. Please help.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NY)

When reviewing my credit report in XX/XX/year>, I noticed a synchrony bank account on it that I never opened. It was a huge amount ( close to $ XXXX ) that I was shocked to see as I hadnt opened it and had never seen information about it. I never received statements, emails, calls, anything. 

I have filed police reports ( locally and with the FTC ), frozen my credit, and contacted all 3 credit bureaus. Synchrony still wont accept that the account is fraudulent and wont provide information about the opening of the account ( including signature pages ) or proof that the statements were sent to me. I do know that that synchrony claims I made payments from a bank in XXXX Georgia, a place I have never been and to which I have no connection. Synchrony will not send information about the bank the payments were made from. It wont provide signatures used to open the account. It wont provide merchant information about what was purchased to create a $ XXXX bill. It wont give any information despite my many requests for such information. 

I did not open this account, know of its existence before I saw it on my credit report, use the account or make payments on the account. Ive been disputing it since the day I discovered it. I dont know what else to do. Synchrony wont answer my questions or remove it from my report. Please help.
Consumer complaint received 2024-06-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C.1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified. I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards for every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.
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: EQUIFAX, INC. (OH)

This was done over line years ago. I had no knowledge of it until the person who took out loan stopped paying and moved.They said I co-signed! I never signed anything! It appeared on our credit and we tried contacting XXXX numerous times. Also contacted Equifax, XXXX etc. to get it removed. They contact XXXX and they take XXXX word that says that we owe it and I get nothing done. This has gone on for years. I suspect that I had great credit and am related to this person was the reason it was done.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OR)

On XX/XX/2024 I wrote a check to Synchrony Bank for my monthly payment for my XXXX XXXX. This was my XXXX check # XXXX. It went out in the mail XX/XX/2024. The due date is XX/XX/2024, and the check did not reach Synchrony Bank by the due date! The check should have been there within 10 business days! On XX/XX/2024 I received a text message payment reminder from Synchrony Bank. I attempted to reply to the text but the system doesn't accept replies. Since it was late afternoon when I received the text, I called Synchrony Bank today, XX/XX/XXXX, to ask them if they received the check. They did not receive it. I checked my bank account and it did not process. They said to put a new check in the mail and gave me the address to send it. I asked them to waive the late fee, but they said they could not waive it because it was past the due date! They also said they gave a late fee waiver once before ( the same thing happened once before! ) Their bill says they can charge a late fee of up to {$41.00}. That is what they intend to do.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-06-19
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Consumer complaint received 2024-08-30
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. (WV)

I am XXXX XXXX XXXX and am personally handling this complaint with no third-party involvement. Ive included letters that explain in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported across Transunion, XXXX, and XXXX.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (TX)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

The complaint is against TJX Rewards Ctedit Card, my payment was due on the XX/XX/XXXX and they received the payment on XX/XX/XXXX, but the company charged me late fee of {$38.00}, and when I called to request a refund for the late fee or get a reduced fee charged, they outright denied.
Consumer complaint received 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (CA)

We contacted a company named XXXX to potentially help us build an XXXX  on our property. We began the consultation and planning process based upon an advertisement of 18 month interest free financing for the project with an exclusive loan program. We applied for the personal loan in XX/XX/year> with Mosaic and were approved for XXXX. Within the same month we cancelled the construction project with XXXX. In XX/XX/year> we received a bill from Mosaic regarding interest accrued on the loan we applied for in XXXX. Apparently the full XXXX loan amount was sent to XXXX back in XXXX. Even though we do not recall authorizing the loan payment, nor did we use the funds. We contacted Mosaic to dispute the charges. They stated since the loan was paid to XXXX, and that company would need to return the funds. We were given a case # XXXX. Mosaic has refused to help us remedy the situation even though we dispute authorizing a payment in full to the construction company, before they even began work on the project. We have been attempting since XX/XX/year> to have the loan funds returned back to Mosaic. We have been mislead for over 6 months by the financial and accounting depts at XXXX that the funds would be returned. We asked for the refund in full, and they have stop returning my calls or emails. This is fraudulent loan and business practices..
Consumer complaint received 2024-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (SC)

This debt is from a hopsital stay. Both health insurances were shown at the time of admissions. In addition, I have provided XXXX 5 times with my health insurance information. They refuse to bill the insurance company and continue to try to collect {$1700.00} from me.
Consumer complaint received 2023-04-11
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. (GA)

contacted debt collection agency about an inaccurate collections reporting on my profile. XXXX. XXXX  customer service rep notified me that they could not locate any record of a debt under my name. It was also discovered that this company is not licensed to legally collet debt in the state of Texas  where the debt originated or in the state of Georgia  where I currently reside. I disputed with Experian over 30 days ago and account has yet to be deleted.
Consumer complaint received 2024-06-16
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XX/XX/year>, I discovered fraudlent charges on my Capital One account. I contacted Capital One, provided the necessary proof of residence documentation they requested. 

I filed a dispute, and in XXXX received a letter stating that my dispute was denied for the following reasons : " We received signed documents, dated prior to the date of my fraud claim, acknowledging this account is valid. '' " Information we discovered leads us to believe yuou or another account user benefitted from the transactions. '' " Activity on the account indicates you opened and interacted with the account. '' I asked for copies of the documentation used to fraudlently change my address, but they refused to supply it. 

I refuted the charges again in XXXX, however received no reply. 

I filed a report with my XXXX Police Department. 

Capital One has now reported my account as 30 days delinquent. Capital One not sent me any bill for this account since before the original dispute. 

I filed another dispute to this, but never received a response.