davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
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: EQUIFAX, INC. (NV)

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. 

XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

I was contacted by the Department of education on XX/XX/year>, regarding my federal debt with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding that my federal debt was forgiven due to finding of fradulent practices and engaging in unlawful conduct. In the weeks following. I became aware, through the PPSL, that Navient had quietly offered a School Misconduct forgivness application. 

On XX/XX/year> I reached out to Navient 's consumer advocate email after receiving the above notice and requested documentation to allow me to apply for forgiveness for my Private loans due to the unlawful conduct. Navient responded within 3 days and I received my School Misconduct application from Navient and started gathering information from various groups organizing for forgiveness from XXXXXXXX XXXX misconduct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. There was very little guidance on how to properly fill out the form so I applied several documents regarding the fraud perpetuated by XXXX, my personal circumstances and whatever evidence I could find. 

I completed the form on XXXX XXXX and submitted it to Navient on XX/XX/XXXX. Navient received my completed form on XX/XX/XXXX and notified me of a forbearance on my account stating that it was needed to process the review for my forgiveness. I didn't receive any additional correspondence from Navient following the submission. 

I submitted additional evidence to the same email account with the hopes of improving the documentation on XX/XX/XXXX. This email was not responded to either automatically or otherwise. 

On XX/XX/year>, I received documentation from Navient stating that my application for school misconduct discharge was DENIED for the following reasons " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I am currently attempting to gather more information and attempting to contact the advocate 's office to figure out whether or not I can appeal the decision, or if I can resubmit with evidence, but I haven't been able to find much more evidence. 

I submitted several letters from XXXX XXXX. Several documented cases, from the ED and the DOJ and submitted the case pertaining to the federal government forgiving my debt due to misconduct, and several personal unredacted documents. Without more insight into why Navient denied me. I've been placed back into repayment without any means of recourse. Frankly, if Navient can deny the federal government 's findings, the whole process seems to be arbitrary and biased. 

Since my application XXXX and several other senators have reached out to Navient, telling them that they had improperly denied several school misconduct discharge applications, but I'm currently waiting in the lurch to figure out what I need to do now.
Consumer complaint received 2023-04-04
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. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX 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 2024-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (CA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I went to my bank CITI Bank in XXXX, California, to open a bank account for both my daughters. Once the accounst were opened, we wanted to deposit all of their savings into their accounts. As the line at the counter was long, we were suggested to make the deposit by the ATM of the bank instead. My youngest daughters ' account went fine, and all her money got deposited. My oldest daughter, didn't have the bills stacked properly, so we made an initial deposit of {$60.00} in cash before the machine closed it's lid. That went fine and so we wanted to deposit the remaining {$350.00} into the ATM machine, after insetting the cash in the machine, an error message popped up on the screen and the machine returned my card without any receipt. I immediately went inside the bank and notified them of the situation and the they opened a case and told me that they will notify me of their findings. A few days later i received a reply that there was no discrepancy and they could not verify the {$350.00} cash deposit and offered me {$40.00} dollars for my inconvenience. On XX/XX/year> I have since contacted the bank to reopen the case to investigate again and they replied that the new audit didn't show any proof of discrepancies. 
To me it's simple, if the money wasn't found, then a crime has been submitted. 
I was trying to teach my kids to place their savings in the bank for their safe keeping and then I have to tell them that the money they have saved for more than 2 years is lost because of a banking error?? 

At this point i would like to request your assistance in following up with my complaint and to receive guidance for my right and how to request proper evidence from the bank recover the money I lost. 

FYI : The final case record I was provided by Citi bank was XXXX Thank you for your time and attention to my case.
Consumer complaint received 2024-09-25
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. (NY)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2023-05-30
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: EQUIFAX, INC. (NC)

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

XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-13
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. (CA)

Complaint against EXPERIAN for violation of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIAN for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Termination : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously filed a dispute with EXPERIAN regarding inaccuracies on the above-referenced account. Despite my providing evidence supporting the inaccuracies and requesting their removal from my credit report, EXPERIAN failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected by the Fair Credit Reporting Act, I have the right to request removal of inaccurate or outdated information from my credit report. EXPERIAN 's failure to comply with this law is a violation of my rights as a consumer and has caused me harm and financial distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EXPERIAN for its failure to comply with the Fair Credit Reporting Act. I request immediate removal of the inaccurate account information from my credit report and appropriate action to ensure that EXPERIAN complies with its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (VA)

The Vanilla XXXX  Gift Card literature and website both indicate that the card can be used online. I am not able to use it online, however. 

On XX/XX/year>, I purchased a XXXX Vanilla Gift Card, loaded with {$500.00}. The same day, I tried to use the card at XXXX different merchants online, but each indicated that the card was declined. ( XXXX of the merchants indicated : " Card Processor Decline '' ) After the first vendor declined the card, I called the XXXX Vanilla Gift Card customer service and was told to use the card with different vendors. This is not a satisfactory response, because the next XXXX vendors which I tried also declined the card. I am unable to find a vendor that accepts the card ( and that I have reason to transact with ). I was also told by customer service to try using the card for in-person transactions. This is also not a satisfactory response, because I purchased the card with the intention of using it online, which is a use advertised by XXXX.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
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. (CA)

I Recently learned from checking my credit report I have Thert and fraudulent credit card accounts under my name has been going on for awhile I just now was able to check my credit report and discovered XX/XX/XXXX Hard Inquiry From XXXX XXXX  which stands for XXXX XXXX XXXX and another from XXXX XXXX  hard inquiry on XX/XX/XXXX. I have reached out and was requesting information about this account under my name a they denied and said I do not have an account with them.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Receivables Network (KS)

I get multiple calls a day from Sage Capital Recovery from ( XXXX ) XXXX. They do not leave any information identifying themselves as debt collectors. I had to do a reverse phone number search to see who has been calling me. 
I called them on XX/XX/year> and told them to take my number off their contact list. Agent stated that " They don't have a list. All phone numbers are attached to accounts '' and then asked for my name. I refused to give her my name and told her that they need to stop calling my phone number because I am calling them to formally tell them to stop calling. I informed her that they have been violating the Fair Debt Collection Practices Act by calling every day/multiple times a day and she became rude on the phone. Agent then said that " because I called their office, they have every right to continue to call me ''. I told her that I would be reporting them to the FTC because they are calling more than what they're legally allowed to do so. Agent became more and more argumentative so I hung up on them.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION (TX)

I've been trying to get an eviction removal removed and have shown proof of paid and XXXX one was never an eviction. they do not update the information within the 2 weeks quoted. First Advantage has no consumer line to speak with a live person as of XXXX.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/year>, I had received XXXX $ USD on the Venmo platform that was owed to me/ belonged to me from another individual and upon withdrawal of said funds, the company froze my account and declined to transfer the cash. 

They contacted me via email from the email address " XXXX '', stating that they wanted to see a government issue ID, which was provided within the same day. After waiting 5 days, the company reached out once more, from the email address " XXXX '' coupled with the name XXXX XXXX, stating that the bank account I tried to add and withdraw to was already on file with the company and that they needed to make sure I have direct access to this account. So they asked for bank statements of the bank I tried to add on XX/XX/XXXX, being XXXX XXXX XXXX XXXX, an account ending in XXXX, which was also immediately provided, the date of which being XX/XX/XXXX. 

On XX/XX/XXXX, they stated that the statements were missing the required information, though this is improbable because I had pulled the statements directly from the financial institution. I had let the Venmo team know that since XXXX is a local credit union, they have their own internal system of account management, and thusly don't show checking/routing numbers on their bank statements, but rather membership IDs. 

At this point, Venmo is holding my money XXXX and not acting in good faith in regard to myself or this matter. 

My request number on file with Venmo is XXXX.
Consumer complaint received 2024-10-07
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: Experian Information Solutions Inc. (MN)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries XXXX  - XX/XX/year>2024 XXXX - XX/XX/year>2024 Section XXXX ( XXXX XXXX. XXXX ) requires a prompt investigation of disputed information. 
Section XXXX ( XXXX XXXX. XXXX ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section XXXX ( XXXX XXXX. XXXX ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Consumer complaint received 2024-10-07
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: Experian Information Solutions Inc. (MN)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries XXXX  - XX/XX/year>2024 XXXX - XX/XX/year>2024 Section XXXX ( XXXX XXXX. XXXX ) requires a prompt investigation of disputed information. 
Section XXXX ( XXXX XXXX. XXXX ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section XXXX ( XXXX XXXX. XXXX ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.