davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-16
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)

XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX  Original creditor XXXX OpenedXX/XX/XXXX ( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX This is another account on my credit file that is fraudulent.
Consumer complaint received 2024-06-26
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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the credit bureaus must check this account ( A ). It is unacceptable to list this account as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-26
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: EQUIFAX, INC. (AR)

On XX/XX/2024, I sent this company a letter about some errors on my credit report, but it's been over 30 days, and I still haven't received any response from the company. I was informed that they may be violating the FCRA law for not complying. Please take a look at this matter, as those errors on my credit need to be cleared as soon as possible.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Account showing on my credit report that has been paid and was agreed upon to delete : XXXX XXXX Account number : XXXX Payment Information and confirmation : Account Number : Ending in XXXX Original Creditor : XXXX XXXX  Confirmation Number XXXX XXXX
Consumer complaint received 2024-08-16
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I would like to bring to your attention that I have sent multiple letters requesting this information, none of which were answered within the legally specified timeframe. This continued non-compliance is not only frustrating but also a violation of federal law. Your failure to respond appropriately within the specified period has left me with no choice but to seek resolution or remedy through alternative means to which I am legally entitled. This is a formal request under the FCRA, and I anticipate a response within two weeks. Non-compliance with this request within the specified timeframe will be regarded as a violation of federal law, necessitating further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 
I appreciate your prompt attention to this urgent matter and look forward to receiving a detailed method of verification for the disputed item ( s ) at your earliest convenience. 

Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

On XX/XX/year>, I submitted a School Misconduct Discharge application for my XXXX private loans associated with enrollment at XXXX XXXX XXXX XXXX XXXXXXXX and issued by Navient, formerly Sallie Mae. With this application I submitted substantiation to my claims related to federal and state litigation directly against Navient for loans lent on behalf of XXXX XXXX XXXX ( XXXX ) as well as litigation and settlements against XXXX in favor of federal and private student loan recipients. 

By XX/XX/year>, Navient acknowledged the receipt of my application. On XX/XX/year>, Navient replied to my application with a denied ruling on all three private loans associated with the application. For reasoning of this denial, Navient only provided this limited description, " 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. '' All documentation provided for my claim related directly to misconduct enacted by Navient or XXXX XXXX XXXX ( XXXX ) and relates specifically to the period of my own enrollment at the school.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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  Account NumberXXXX Account name : U S DEPT OF EDXXXX Account NumberXXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number:XXXXXXXX  - Account name : XXXX Account NumberXXXX  Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : US DEPT ED Account XXXX Account name : US DEPT ED Account Number : XXXX Account name : US DEPT ED Account NumberXXXX Account name : US DEPT ED Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : US DEPT ED Account XXXX Account name : US DEPT ED Account XXXX Account name : US DEPT ED Account XXXX Account name : US DEPT ED Account XXXX Account name : US DEPT ED Account XXXX Account name : XXXXXXXX XXXX  Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name XXXX XXXX Account XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX  Account XXXX Account name : XXXX  Account XXXX Account name : U S DEPT OF EDXXXX Account XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-16
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX  Original creditoXXXX XXXX OpenedXX/XX/2021 ( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX  This is another account on my credit file that is fraudulent.
Consumer complaint received 2024-08-27
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 (FL)

I have been disputing a charge of {$510.00} to my Capital One credit card account for purchase on XX/XX/year> and also filed complaint with FTC report # XXXX in regards to seller of which i am disputing charge - also attached. The charge is an error because the items received were not what was advertised and ordered. The items received were not brand name as advertised, I was charged for brand name XXXX products and received XXXX XXXX replicas ( they even admit to sending me replicas in the email conversation I had with them, which I provided a copy of to Capital One. The scam company ( XXXX XXXX XXXX XXXX has been using another company 's name and address in their advertisements, but they spell their name XXXX, not XXXX XXXX XXXX XXXX I have provided Capital One with all information possible, invoice, statement from seller stating they sell brand names, page showing false US Address. I have contacted the seller for return label so I can ship items back overseas but they keep trying to bargain for me to keep product and refund 50 % or i pay the very expensive cost to ship them to XXXX. Please note that their page says they're based in XXXX. Nevertheless Capital One regardless of all proof and evidence keeps closing my case and giving me the run around asking for more and more things each time. last request was for a second opinion that items are not brand XXXX from an authorized seller. I reached out to XXXX Counterfeit department and they advised they would not do such an inspection w/o a police report which I can not get because this seller is not even a legit XXXX company XXXX it is absurd that Capital One is allowing this fraudulent seller to get away with this and putting me through all of this being a platinum member - i've had this credit card in good standing for 25 years Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 
XXXX. 
XXXX XXXX : XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (OH)

XXXX AND THE DEPARTMENT OF EDUCATION is on my credit report and On XX/XX/2024 they have forgiven my loans I have proof of this with the account number attached please remove the students loans from XXXX AND THE DEPARTMENT OF EDUCATION account ( XXXX ) with in 30 days please and thanks.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (GA)

The account was held inactive for over three months despite efforts to follow their directions to reactivate the account. Customer service and Citigold relationship manager provided erroneous information repeatedly that resulted in continued inability to access my account. As a result, a pending financial transaction was not realized. A summary of highlights is attached.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc. (FL)

UPSTART NETWORK. 
XXXX XXXX  Formal Dispute of Charge-Off Account Reporting Associated with Account Number [ Account Number ] Dear [ Credit Reporting Agency/Creditor Name ] , I am writing to formally dispute the reporting of the charge-off account associated with [ Account Number ] on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. 
Additionally, under [ Your State ] law, I am requesting proper validation of this debt. 
To properly validate this account, I am requesting the following : 1. Authenticated Double-Entry Accounting Records : I am requesting full double-entry accounting records for the account mentioned. This should include a detailed breakdown that shows how all transactions were debited and credited, ensuring compliance with standard accounting principles. Please note that I do not wish to receive a simple list of charges or statements. I expect authenticated evidence of the debt.

2. Authenticated Evidence Based on [ Your State ] Law : In addition to the accounting records, I require authenticated evidence, in compliance with [ Your State ] debt collection laws, that you have the legal right to report and collect this debt. This includes original signed contracts or agreements that show my obligation to pay the debt and your legal right to enforce collection and report it to credit bureaus.

Without this evidence, the continued reporting of this debt may constitute a violation of both federal and state consumer protection laws.

3. 1099-C Form : If this debt has been forgiven, canceled, or settled for less than the full balance, I am requesting a copy of the 1099-C form filed with the IRS, which is required if the amount of canceled debt exceeds {$600.00}. If you have not provided this documentation, the debt may be considered discharged, and it should no longer be reported as owed on my credit report. 
In the absence of the requested documentation and verifiable evidence, I request that you immediately delete this account from my credit report in compliance with the FCRA and [ Your State ] state law. Failure to do so will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies to enforce my rights, and submitting a Suspicious Activity Report ( SAR ) to the IRS for suspicion of fraud.

The SAR ( FinCEN Form 111 ) will be filed if you continue reporting inaccurate and unverified information without providing the required documentation. 
Please respond within 30 days of receipt of this letter. I look forward to receiving the required
Consumer complaint received 2024-09-03
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: Chime Financial Inc (KS)

On XX/XX/year>, I placed an order on XXXX for an amount of {$64.00} for an electronic component to be shipped to me through USPS Economy. According to the website, orders are typically sent within two to three business days after the payment is processed. After waiting 17 days with no shipment, I contacted the only support option available on their website, which was their email. I did not receive a response. After realizing the company will likely never ship the product or refund the amount, I contacted my banking provider to begin a dispute with the aforementioned information on XX/XX/year>. On XX/XX/year>, I received a notification my dispute was denied because no billing error occurred.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming that a late payment has been made on my account. I do not remember ever being ( XXXX, XXXX, XXXX, XXXX, etc. ) late with apayment on this account. 

This is in line with 15USC 1681S-2b, under Responsibilities of furnishers of information to consumer reporting agencies..We insist that if no such documentation canbe provided, the late payment information must be expunged.. 

Please provide statements and records of all payments made and missed since I opened the account. In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-01
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: EQUIFAX, INC. (MD)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

I used to be a Consumer Loan Originator for OneMain Financial. I'm writing this complain to report my manager for actively discouraging employees from completing proper investigation into fraud alerts on consumer accounts. Names on titled loans were checked by calling a private licensing office and no effort was ever made to ask about or investigate fraud alerts on consumer accounts. I had several instances when I raised concern about fraud on consumer accounts only to be assuaged by my manager that we should lend out money with no further request for questioning or documentation. An extreme of this situation would be a consumer who applied with 17 cars and no money to start a business. My manager told me not to worry about the situation and to try to secure a loan on one of his vehicles without any further questioning.
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (OH)

I had requested an Income Based Repayment Plan in XXXXXXXX  & was denied on lies. At the time, I was only making {$1000.00} - {$1200.00} a month while Sallie Mae ( now Navient ) was demanding a monthly payment of $ XXXX per month. The representative lied & said that I did not qualify for an Income Based Repayment Plan & forced me into a Forbearance plan. I was stuck on Forbearance payments until I got a higher paying job in XXXX & could finally afford the {$960.00} per month that Sallie Mae ( & later Navient ) demanded. This forced Forbearance did not stop the interest which added another {$30000.00} minimum in interest to my total. I have paid over {$90000.00} in payments over the last 14 years ( with never a single late payment after my Forbearance period ), but I still owe over {$56000.00}. My original loan total was around {$80000.00} in XXXX when I graduated. 

This year XXXX XXXX  ), I tried to refinance my XXXX XXXX XXXX with the Department of Education, but found that Navient converted my loans to private loans without my knowledge or consent in XXXX. My loans were Federal & should still have the protections guaranteed to such loans despite Navient being ineligible to service such loans. 

Sallie Mae & now Navient have both scammed me for considerably more money than I originally owed for my loans. As they gave me no proper information/documentation about either the Income Based Repayment Plan or the changing of my Federal loans to private, I have no files to upload other than any statements I can get from Navient of my payments.