davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (NH)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, ( insert your school here ). As a matter of fact, the art institutes including my school the XXXX XXXX XXXX XXXXXXXX XXXX was investigated by the federal government for falsifying accreditation, misleading and recruiting students and much more. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as the XXXX XXXX XXXX XXXXXXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against the art institutes, and my Fed. loans of over {$70000.00} were discharged and my credit repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX. XXXX settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Consumer complaint received 2024-01-25
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & datXXXX furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-15
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. (TX)

XXXX XXXX XXXX is a collection agency that is based out of Georgia who do not have a state license or registration to do business in the state of Texas where i reside, and they place me in collections. They don't have the right to do business in the state. My account number is XXXX.
Consumer complaint received 2024-04-15
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. (GA)

I recently tried purchasing a car and noticed I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report, it is a defamation of character.
Consumer complaint received 2024-04-15
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. (GA)

I've made several attempts to communicate that I've fallen victim to identity theft. I'm raising concerns regarding certain entries in my documents that stem from this crime. These entries are associated with transactions that I neither initiated nor authorized, involving no goods, services, or money transactions on my part. If disregarded, I request the removal of any pertinent information from my credit record resulting from the alleged fraudulent activities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-01-25
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)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian, Please be advised that this is my THIRD WRITTEN REQUEST and FINAL. WARNING. 
I also fully intend to pursue litigation in accordance with the FCRA to enforce my rights, and to seek relief and recover all potential monetary damages that I may be entitled to under Section 616 and Section 617, regarding your continued willful and negligent non-compliance.

Despite my previous two ( 2 ) formal written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts, as per my request and my legal right. 

XXXX Possible- XXXX You report I was XXXX on my payment history but XXXX has no late payments in fact that have no payment history at all where you state that I have only made XXXX % payments on time. 


XXXX XXXX XXXX XXXX Date of last activity is a whole year difference then what XXXX has reported, you also report I was late XXXX and XXXX has no history at all . You state I have only made XXXX % of payments on time but XXXX doesn't state that. 


XXXX XXXX have this account as closed and XXXX has it as a open account, You report that I have only paid XXXX % of the account and XXXX has no payment history where you report a charge off almost every month. XXXX has removed this account already. 
The simple fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not, verify any of the disputed accounts. Your failure to delete the disputed accounts in question, that you can not verify after two written requests, is also evidence of your willful disregard of Federal Law.

Upon entering litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts, at the time of my request. 
The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law, and the Court will order you to delete them.

You say that you have reinvestigated, and /or verified these accounts, but in your inability to provide physical proof of the documents, you are and have admitted that all you have done is " parroted '' information given to you by other sources, also known as creditors, and attempted to shift the burden back to me, and ask me to contact the original creditor to verify these accounts. This type of behavior and action is clearly in violation of {$1600.00} ( a ) ( 4 ) of the FCRA. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX
Consumer complaint received 2024-04-14
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: Credence Resource Management, LLC (IL)

I pulled my consumer reports around XXXXXXXX XXXX XXXX and I notice it was errors on my XXXX, and XXXX reports. I sent a dispute to the creditor CREDENCE RESOURCE MANAGE XXXX and they receive my letter XXXX. I will attach Exhibit 1 showing when I sent the dispute. Exhibit 2 will show when they received the dispute letter. I waited well over the 30 days allotted by law. This is a direct violation 15 USC 1681i. Subject to subsection ( f ) and except as provided in section ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Exhibit 3 is the letter I sent to CREDENCE RESOURCE MANAGE. Today I'm sending out another dispute letter that I will attach also exhibit 4-5. Informing CREDENCE RESOURCE MANAGE that they went passed the 30 day period allotted by law proves they can not validate or verify this account. I will like for CREDENCE RESOURCE MANAGE to delete this inaccurate information off my consumer report immediately. CREDENCE RESOURCE MANAGE you have defamed my character, my reputation, my worthiness, and my mode of living. I was just denied for a loan because of this inaccurate information
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

my credit report sent alert that my XXXX XXXX loan was reported 60 days late on XX/XX/23 which is wrong! n I have a payment agreement and have not missed any payments. I verified my bank account and all payments have been made. All payments below were taking.l. I called XXXX XXXX and they claim they dont show any missed payments on my ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
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. (OH)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. find the required documents to assist in the blocking and delete of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (CA)

I attempted to access my Credit Karma XXXX account via XXXX to route my tax refund into this account. Upon trying to log in, I discovered that the account was linked to a phone number I did not recognize, making it impossible for me to gain access. On XX/XX/XXXX, I first contacted Credit Karma customer service to update my phone number. Despite multiple communications, including phone calls and emails, the issue remains unresolved. 

On the same day, I received an initial email from Credit Karma confirming my request, but there has been no follow-up action or communication from their side. This has prevented me from accessing my account and, as a result, from filing my taxes, which are due imminently. 

Each interaction with customer service has ended with them stating that no one was available or authorized to update my phone number. I have repeatedly asked for a resolution or for any alternative steps I could take, yet the responses have been consistently unhelpful and have not addressed the urgent nature of my situation. 

This ongoing issue has caused significant stress and inconvenience as the tax deadline approaches, and I am concerned about the security implications of not being able to update my personal information in their system.
Consumer complaint received 2024-01-25
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. (NY)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2024-04-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

This company forced me into a Covid forborbearance I paid them one time XXXX then told that was not enough to getvoutbof forbearance I needed XXXX more did not return me the XXXX nor did they credit me for it. I was told by VA to apply for partial payment relief I asked Carrington about this in XXXX of XXXX they said that that program is not available I finally hot a hold of va rep again I'm early XXXX of XXXX he laughed at me and said of course they not going to let me have that they want me in a 40 year high interest remod but the program is good. I was given information to ho back to Carrington to show them that partial payment was an option they said that is to late that it takes 3 months to get approved for that program and I said I've been asking for that program for months they said thy didn't know it was an option until I told them about it. I've tried to get back in touch with rep was unsuccessful. I have asked for new rep at va as well. Got another letter from VA saying I was approved for partial payment contacted Carrington they are now demanding twice what I owe and trying to push again payments twice as high as my original payment they broke the law they forced me to do alm this and everyone there that has helped me or has seen what they done to me has been fired. I had one manager say he was going to get this resolved and help Me even if he would have to place a special forbearance as long as I paid it all off by original mature date I said yea. I was 5 years ahead on mortgage anyway which I get no credit for as I have always paid at min XXXX above payment and as high as XXXX above payment just one month I became disabled we had a hurricane and whole family had covid one month I needed help they said only option I had was to place it in forbearance and ever since then only way to get out is to pay this high amount of money all at once now they saying they taking it to court to get an foreclosure date thatbi have 10 days to accept this stupid remod that doubles. The time left on my mortgage with double the payments and still have a huge lein on side I got a call from someone at Hud said they got my case and money is available someone will reach out to help but I'm told Carrington stopped that. How can Carrington stop HUD
Consumer complaint received 2024-01-25
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-25
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (VA)

XX/XX/24 XXXX XXXX XXXX XXXX Ive been calling and chatting with credit karmas team and they keep saying I need the specialist help but the only help via email but I have yet to receive anything Ive been researching ways to unfreeze card and its nothing I can do
Consumer complaint received 2024-01-25
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. (TX)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am outraged by the persistent presence of a fraudulent account on my credit report, despite filing a report on Identitytheft.gov and the bank confirming its validity. Unable to provide records, they assured immediate removal. I demand the removal of this fraudulent account. 
Account Details : XXXX XXXX XXXX
Consumer complaint received 2024-07-09
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. (PA)

I recently checked my credit reports and noticed multiple billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error