davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (UT)

As of XX/XX/24 Navient has informed me that I'm third party lol. This a stall tactic I was informed by the Department of Education that determined I'm no longer liable for my student loan. I've reached out to Navient to remove this from my credit report due to XXXX XXXX XXXX engaged in widespread misconduct that violated state consumer protection laws. I've called Navient to inform them of my letter that I received that I'm no longer liable for the loan and it was forgiven. And when asked when, will I receive my refund for prior payments made to XXXX XXXX. I was told by Navient I will not be receiving anything nor did they say they would look into this matter of the loan being forgiven after I given the XXXX XXXX XXXXXXXX. Navient is in violation under the FCRA ACT 15USC 1681 violation for willful noncompliance - 616 Civil liability for willful noncompliance [ 15USC 1681n } Fair Debt Collections Practices Act 15USC 1692g violations. I request Navient investigate this information during which time all collection activity shall CEASE and Desist. This is still reporting on my credit report stating I owe this debt which in fact I don't owe anything on this balance.. Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. I received an email from Navient hitting my credit report stating that I still owe this debt for a college that committed FRAUD! I will not pay for this debt and if Navient still continues to play stupid and refuse to delete this debt and return my $ XXXX I will purse legal matters. Theirs no law to hiring someone to handle my personnel affairs. Nor do I need to contact Navient to let them know that either. I'm not third party and this not unauthorized. Navient, Formerly Part of Sallie Mae, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception.
Consumer complaint received 2024-06-14
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and 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 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TN)

[ WELLS FARGO BANK NA ] [ XXXX XXXX XXXX, XXXX XXXX, California, XXXX ] IN REGARDS TO Account number XXXX, I am writing to bring to your attention a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). It has recently come to my attention that your institution has erroneously included information regarding my line of credit utilization which depicts my experience with your Financial Institution in my consumer report with all consumer reporting agencies including [ XXXX, XXXX, XXXX ]. 
In accordance with 15 U.S. Code 1681a, The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As per the FCRA regulations, transaction and experience information related to a line of credit with a financial institution should not be reported to consumer reporting agencies. However, I have discovered that my utilization of the line of credit with your institution has been reported adversely affecting my consumer report. 

I demand that you take immediate action to rectify this violation by updating the utilization reported to consumer reporting agencies to reflect 5 % or below, or alternatively, delete the utilization information altogether. Failure to comply with this demand within [ 10 Business days ] will result in legal action to enforce my rights under the FCRA. 

Please be advised that under the FCRA, consumers have the right to accurate and fair credit reporting. Any failure on your part to correct this matter may result in severe consequences, including but not limited to statutory damages, punitive damages, attorney fees, and injunctive relief as provided for under the law. 

I trust that you will take immediate action to rectify this violation, prevent any further harm to my credit standing, and continue our nonpublic transaction and experience. I expect a response from your institution confirming the corrective measures taken within the specified timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Called Transunion on XX/XX/XXXX to dispute inquiries and report fraud but they refuse to investigate. XXXX told me that the company doe not have to investigate or prove that the inquiries were authorized. I also sent the certified mail on XX/XX/XXXXand they are refusing to investigate. One of the inquiries was placed while my credit report was frozen and Transunion refuses to answer why they allowed that. I told XXXX who is not in the United States that what he is doing is illegal but he refused to listen.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im writing 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. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-31
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. (CA)

information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-03
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. (TX)

on XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX and Experian. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rates for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and i'm requesting legal action to remove this account expeditiously. 

Account Name XXXX XXXX XXXX : Account # : XXXX has violated my rights. According to the FCRA 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 record of conviction 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 2024-06-13
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2024, I attempted to pay the balance on my new Wells Fargo account. Their website would not accept payment from my checking account. They want to be paid ONLY by their Wells Farge checking account. 
Next, I decided to call the company to pay the balance due. My call was answered by a woman with an accent. I told her that the website would not accept my payment and asked her to take the payment over the phone. She did and I deducted it from my account. 
A few days later Wells Fargo sent a letter confirming the transaction, however, no payment was taken from my account. Apparently, the person receiving the information got the account number wrong. 
I checked my checking account and no payment was withdrawn. 
I contacted Wells Fargo and submitted a complaint, case # XXXX. 
Two days later a man from Wells Fargo, XXXX, called to discuss the complaint. He did NOT resolve the issues. Instead, he made excuses saying, " We hire people from all over the world and their XXXX may not be the best. '' I received absolutely no help from him regarding their nonacceptance of payment from other banks on their website. He even tried to blame their errors on me, rather than take responsibility for the miscoding of my account number and the misspelling of the name of my bank. 
I am ending my use of the Wells Fargo credit card and warning everyone else of their incompetence and arrogance. 
My husband and I finally had to go to another city where a Wells Fargo bank is located to pay the bill in person. We are retired people who are not in the best of health. We consider the treatment we received abusive.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-06-14
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. (MI)

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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

I would like to follow up for the immediate removal of fraud items from my credit report. As a conscientious consumer who takes pride in maintaining a favorable credit history, I am deeply concerned about the adverse impact this entry is having on my creditworthiness. I kindly urge you to take prompt action to rectify this matter by promptly removing the aforementioned items from my credit report. I have attached copies of relevant documentation. I understand that errors may occur in the reporting process ; however, it is imperative that such errors are rectified promptly and accurately to ensure the integrity of credit reporting systems. I have no choice but to escalate this matter to the appropriate regulatory authorities. I appreciate your attention to this urgent matter and request confirmation of the removal of theitems from my credit report once the necessary action has been taken. I am asking for your assisstance to remove these items in my credit file : XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX Balance : {$9100.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX  XXXX Balance : {$9100.00} ; XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XX/XX/year>.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct.XX/XX/XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I was the victim of identity theft. My information has been compromised to include security clearance background investigation info through breaches including : the XXXX Breach, Equifax Breach and XXXX XXXX XXXX breach. 
I filed reports with police and FTC, froze credit and set up fraud alerts with the 3 credit bureaus. Prior to the one year mark, I contacted Equifax to update the fraud alert ( to extend it for another year ) and received written confirmation from Equifax that the fraud alert was updated and that they had notified XXXX and XXXX. 
After getting alerts of new activity and collections/ debts attributed to me I found that Equifax had not updated the fraud alert and it had lapsed resulting in someone opening accounts in my name. Equifax also did not notify the other credit reporting bureaus. Lesson : don't count on Equifax to follow through on fraud alerts even with a confirmation letter. Follow up after 30 days with each Credit Bureau and ensure the fraud alert is in place.
Consumer complaint received 2023-12-31
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. (FL)

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
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (FL)

Reporting act XXXX Account # XXXX, has violated my rights. 

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

5 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.

5 U.S.C 1666B : A creditor may not treat a payment on a credit on account under an open end consumer credit plan as late for any purpose.