davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NC)

I have problems repaying my student loans due to Navient student loans and XXXX XXXX College over charge. I believe I owe some of my student loans but the excessive amount listed is outrageous. My Student loan debt is {$110000.00}. I was not aware that my student loan debt was outrageously high I know did not apply for all those loans. I've paid 9 % of my loan. Also I know my loans should not be this high I was not in school that long because I withdrew from school. I have never received my degree from XXXX XXXX college. I contacted them recently to find out how many credits and they would not give me the information unless I submitted an application for enrollment and wanted to charge me for information I needed to just verify how many credits i had to achieve my degree. My credit has been forever been messed up due to this massive student loan debt and Navient never told me that with the account in forberance they charged me and excessively on the student loan. I am unable to get a house or live. XXXX XXXX college  messed up my life like Navient did. I was never offered a repayment plan until XXXX XXXX now my loan is in the XXXX how can I pay this. I'm stressed over this I can't do this anymore. What am I to do Navient lied to me and did not help me they dug a hole for me. XXXX XXXX college signed my name to documents and kept money. I found that they kept money from many students who attended. Please help me. I work as a XXXX XXXX  and I have no money. I explained that to Navient and they always placed my loans in forbearance and never offered any other options. Now I'm stuck with such a high balance on my student loan.
Consumer complaint received 2024-06-12
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. 

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 2024-06-28
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. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. s not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent these complaints several times in multiple letters, and the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these negative items remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$23000.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} ; XXXX XXXXXXXX XXXX XX/XX/year> ; XXXXXXXX XXXX XXXX XXXXXX/XX/year> ; XXXX XX/XX/year>.
Consumer complaint received 2024-05-20
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. (SC)

Re : Urgent Identity Theft Claim - XXXX XXXX XXXX To : Experian Fraud Department From : XXXX XXXX ] Date : XX/XX/2024 Subject : Identity Theft and Gross Mismanagement of My Case - Account Number : XXXX I am writing to express my extreme dissatisfaction with the handling of my identity theft claim. I have been the victim of identity theft, and the fraudulent activity reflected on my Experian credit report has significantly impacted my livelihood. 
Disregarding My Claims and Inaction I am deeply troubled by the dismissive nature of your responses to my previous attempts to rectify this situation. Your repeated form letters requesting verification, despite my clear and documented evidence of identity theft, are unacceptable. It suggests a pattern of disregarding legitimate claims and prioritizing bureaucratic procedures over the well-being of your clients. 
Specifically, the accusations implied in your boilerplate responses are offensive : That my request to block the fraudulent information was made in error. 
That the information is accurate or based on my actions. 
That I knowingly obtained goods or services through fraudulent means. 
These accusations are not only untrue but also demonstrate a complete lack of understanding of the gravity of identity theft. 
Escalating the Issue Furthermore, the automated nature of your responses casts serious doubt on whether you have even reviewed the police report, the identity theft report, and the relevant legal documentation I have previously submitted. 
My next course of action, if this matter is not addressed with the urgency it deserves, will be to file a case in federal court. This lawsuit will seek not only the removal of the fraudulent data from my credit report but also significant damages for the impact this theft has had on my life. Additionally, I will pursue legal action against any individual or entity that received my documentation and failed to take appropriate measures. 
Required Documents A complete list of all documents previously submitted, including the police report, identity theft report, and relevant legal references, is attached to this complaint. 
I expect a prompt and comprehensive response outlining the steps you will take to resolve this matter. This includes immediate removal of the fraudulent information from my credit report and a clear explanation for the mishandling of my case. 
I urge you to take this issue seriously. My livelihood depends on a clean credit report, and your inaction is jeopardizing my financial well-being. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-02-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (MD)

Sun Trust Bank denied our home purchase loan and the reason is due to " previous relationship ''. Since we never had any dispute with Sun Trust, our credit score is high and debt to income ratio is low, we contacted Sun Trust Bank asking for an explanation. However, Sun Trust Bank loan officer never explain to us and just ask us not to contact her. We suspect that our identity were stolen or other misunderstanding that caused the denial, so we really want Sun Trust to provide more information to prevent further damage. However the only thing they do is to act rude and treat us unfairly.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing once more to express my confusion regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report.

As you know, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulent accounts. Following this submission, XXXX and XXXX have removed these accounts from their records. 
I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally required to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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 2024-06-11
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (HI)

On XX/XX/2019 I found out I was the victim of identity theft when I went to apply for an auto loan. I requested my credit report and found about a month later when I received it, a credit card from XXXX XXXX XXXX with a balance of {$8200.00} that was not mine. I filed an FTC report on XX/XX/2019 to report I was the victim of identity theft. I asked all three credit bureaus to investigate. They did not remove the information, just put a dispute. I then followed up with XXXX and they took it off of my report and sent me a letter confirming that they considered the dispute resolved. I wrote to all three credit bureaus, and provided all of the supporting documents they asked for : passport, property tax bill FTC report, XXXX letter, my ssn, my dob, a cover letter. I mailed everything to all three on XX/XX/2019 with a request to put an extended fraud alert on my account. I also asked all three to remove the inaccurate information from my credit history. XXXX and XXXX followed the directions. 

My problem is with Experian. They sent me a letter dated XX/XX/2019 that said they are reinstating the information previously blocked. They state that they received contrary information. This is not possible since I already provided a letter from the credit card company XXXX XXXX XXXX that there is no dispute with me. 

Experian has intentionally harmed me by keeping inaccurate and false information about a debt that I do not owe on my credit report. I should not have to go through fixing this over and over. They should be penalized for harassing me by changing the information without explanation to reinstate inaccurate information after they were given all of the correct information several times. 

They have provided no help in resolving a problem which they are now perpetuating with real damage to my reputation. I think that they should be sued for their behavior.
Consumer complaint received 2024-06-12
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. (NV)

In accordance with the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish an account without my written instruction. 

Accounts and Account numbers listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
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. (PA)

I did not authorize XXXX  XXXX XXXX to pull my credit file. I called XXXX  XXXX XXXX on XX/XX/year> and was told that this was an online attempt for a credit card.. this was not me nor did I authorized this, this was a fraud attempt through the internet,, i would like this investigated and have this inquiry removed from my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 2023-06-23
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: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I was put into Forbearance during the covid shutdown. I was told by Wells Fargo that I was not going to be charged fees and when covid was over my payments during forbearance would be added to the end of my loan. 

Covid forbearance ended and I began making my payments on time online. here are my payment dates and I have bank statements and Wells Fargo statements to prove. 

XX/XX/XXXX for {$850.00} XX/XX/XXXX for {$850.00} XX/XX/XXXX for {$850.00} XX/XX/XXXX for {$850.00} XX/XX/XXXX for {$1700.00} I spoke with a person from Wells Fargo and she confirmed that my payments from Covid time would be put to the end of my loan and I would just need to start making my normal monthly payments so I did. 

In XX/XX/XXXX I was mailed a check from Wells Fargo for the payments I had made. They said that they were not going to accept my payments and I was now in forclosure. A few days later I had a notice taped to my door telling me they would auction my house on XX/XX/XXXX. less that a month away now. I tried to do more paperwork to refinance. But Wells Fargo told me they wouldn't be working with me and there was nothing I could do to stop the auction. 

XX/XX/XXXX Wells Fargo sent me a check for XXXX $ which would be 5 months of payments I had made to them online. I have been trying to sell my house before I loose everything, I have lived in my home for XXXX years now. I only owe XXXX $ on my home. it is worth {$450000.00}. please help me or point me to who I need to get in touch with to get some help with this situation. Thank you so much for your time