davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CO)

My application for school misconduct was denied on XX/XX/XXXX and I had requested a chance to appeal but have not recieved a response from navient about whether I can or not. XXXX XXXX XXXX XXXX were found to have engaged in misconduct by the Department of Education and I experienced this misconduct when I enrolled at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like to request an opportunity to reapply.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX I would like to have these inquiries removed immediate, due to not receiving any assistance through these companies listed. There are some issues that are being addressed currently with incorrect/ inaccurate reporting from XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXXXXXX XXXX XXXX All of the above accounts have been charged off, but the reporting agencies are still showing on my credit reports. 

XXXX XXXX XXXX XXXX *M & T Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am requesting to have these inquiries removed immediately since they have no affiliation with me and they are found to be misleading, according to15 U.S. Code 1681 ( A ) Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agencyif ( i ) thepersonhas been notified by theconsumer, at the address specified by thepersonfor such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

This information can be mailed to : XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX Requesting Inquiries To Be Removed From Credit Report Requested on XX/XX/year> Thank You!
Consumer complaint received 2024-07-19
Product: Credit card — Store credit 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: CITIBANK, N.A. (CA)

On XX/XX/XXXX I got a call from Goodyear Tire Store XXXX XXXX XXXX, AZ. They wanted to set up a time to install new tires that were charged to my now closed Goodyear credit card. The Goodyear Credit Plan is through Citibank. I contacted XXXX XXXX of the store and explained that the charges were fraudulent and I did not order tires. I filed a fraud report with the Goodyear Credit Card for charges made on XX/XX/XXXX {$470.00}, XX/XX/XXXX {$510.00}, XX/XX/XXXX {$1100.00}. I got a response dated XX/XX/XXXX stating that Goodyear was looking into the disputed charges. I filed an identity theft report with the XXXX XXXX XXXX California XXXX Police Department regarding the unauthorized charges. I closed the Goodyear Credit Card account on XX/XX/XXXX. I got a letter delivered electronically dated XX/XX/XXXX from Goodyear indicating that they didn't have enough information to resolve the dispute and I needed to pay the charges. When I got a notice my payment was due I realized the letter was in my online account messages. On XX/XX/XXXX I called the phone number on the letter asking where I could send a letter requesting additional information. I send a letter that same day requesting the following : copies of the receipts for each charge including store number, address and phone number ; the specific tires purchased, signature of the person purchasing the tires ; copies of the service work order with information about the date and time of installing the tires ; the make, model license plate and VIN number of the vehicles on which the tires were installed and copies of their investigation documentation. I noted I planned on submitting the information to the Police Department to aid in the identity theft investigation. On XX/XX/XXXX I received a form letter stating that I am responsible for the charges on my account. None of the information I requested was provided. I still don't even know what tires were purchased.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (FL)

I filed a dispute 3 days ago and they freeze my account because of that. And now o just wanted to cancel the dispute that i made and i needed to withdraw whatever is left on my account. But they still resisting that i have to wait for that 10 days. I want to get my money in there and i want to close the account that i have on venmo. Im still having emotional distress because of what they are doing.
Consumer complaint received 2024-09-07
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. (NC)

Trans Union has included negative information reported by a third-party debt collection agency on my credit file, despite the fact that I never provided consent or signed any application authorizing this agency to report such information. I have requested proof of a signed application or contract, including my valid drivers license, but neither Trans Union nor the reporting agency has provided this evidence. This raises serious concerns about Trans Unions compliance with FCRA regulations regarding permissible purposes for accessing and reporting consumer credit information. The unauthorized reporting of this information has negatively impacted my credit score and financial standing, causing undue hardship. I respectfully request that the CFPB investigate Trans Unions practices in this case and take the necessary actions to have this derogatory information removed from my credit report immediately.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-18
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. (TX)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate.
Consumer complaint received 2024-07-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I applied for the school misconduct discharge application with Navient since my school was part of a law suit that proves their misconduct. I completed the application and submitted the supporting documentation and was denied the discharge, while other people with the same circumstances I have were approved. I need to know exactly why I was denied, the letter Navient sent does not provide any detail. If the XXXXXXXX XXXX XXXX determined my school engaged in unfair and deceptive acts and practices, targeted and aggressively recruited students by misrepresenting the school, then why did Navient decide that I do not meet the requirements to prove that my school is accused of misconduct?
Consumer complaint received 2024-06-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc. (NJ)

the loan has been paid off for over a year they continue to take XXXX every month out of my account., sent it to collections. paid an insane amount of interest the loan has been paid off for over a year. they take money and interest out of my account.. i called them they advised that its paid off and continue to charge every month
Consumer complaint received 2024-06-18
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-09-07
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT, XXXX XXXX XXXX XX/XX/year> National Credit Systems XXXX Naturally Fresh Blv XXXX XXXX GA, XXXX Subject : Request for Method of Verification Under FCRA Dear Sir/Madam, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : No acknowledge Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports.

Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information. 
XXXX. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I would like to have these inquiries removed immediate, due to not receiving any assistance through these companies listed. There are some issues that are being addressed currently with incorrect/ inaccurate reporting from XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . All of the above accounts have been charged off, but the reporting agencies are still showing on my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXDiscover Financial Services XXXX XXXX  XXXX I am requesting to have these inquiries removed immediately since they have no affiliation with me and they are found to be misleading, according to15 U.S. Code 1681 ( A ) Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agencyif ( i ) thepersonhas been notified by theconsumer, at the address specified by thepersonfor such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

This information can be mailed to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Requesting Inquiries To Be Removed From Credit Report Requested on XX/XX/XXXX Thank You!
Consumer complaint received 2024-06-18
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. (NH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-04
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. (NV)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IL)

I applied fonline for a Chase XXXX credit card on XX/XX/XXXX. Online respone to the application was Pending review and answer in XXXX business days. Received a denial letter, reference number XXXX, dated XX/XX/XXXX on Friday XX/XX/XXXX. Reason on denial letter was " XXXX or more Chase cards have recent delinquency, charge-off or bankruptcy. '' XXXX indicated XXXX credit report. After receipt, I pulled my XXXX credit report to see if there was errors on same. Report shows no late payments, charge offs or bankruptcy. Showed my present Chase credit card also. No late payments or delinquencies. 

I called Chase reconsideration phone number on Saturday XX/XX/XXXX. Advised XXXX XXXX rep what I found on my XXXX credit report and was baffled by the denial. Chase XXXX XXXX rep said a reconsideration will be made and results available in XXXX business days. 

I called Chase reconsideration phone number on Friday XX/XX/XXXX and provided the same info to XXXX, Chase cust serv rep, on what I found on the XXXX credit report. Indicated I was confused for the denial. XXXX indicated that he did not know the reasoning for the denial. XXXX indicated that the credit card was " not in denial '' but not being approved for unknown reason. I requested the unknown reason and XXXX said he could not access the unknown reason. And XXXX could not reveal the unknown reason. We agreed that the general reason given in the denial letter was not the reason for the denial. I requested to talk with a supervisor or XXXX as they XXXX have authority to uncover the " unknown reason. '' XXXX advised that a supervisor or XXXX does not have access to this " unknown reason. '' XXXX suggested that I submit an application again. I asked XXXX the most likely outcome. XXXX advised that most likely the credit card application would be denied again for the unknown reason. 

As the credit card application impacted my credit score and the suggested applying again would do the same, I am requesting Chase to reveal to me the " unknown reason. ''
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Your Name : XXXX XXXX XXXX XXXX. 
Your Address : XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX, or XXXX Address : XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY. FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b 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. 

List : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. 

The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED and update my payment history to a green check or grey it out. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681| ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards XXXX XXXX XXXX.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MA)

On Saturday XX/XX/XXXX, I contacted Discover Financial Services regarding my outstanding credit card balance. During this conversation, I requested three things : 1. A copy of the cardmember agreement. 
2. A settlement offer for 25 % of the total outstanding balance.

3. Proof of debt beyond just statements, which would include a detailed breakdown of the debt and any related fees.

The supervisor I spoke to rejected my request for a settlement without providing any explanation, simply stating, No. They did, however, agree to send me the cardmember agreement.

When I requested proof of debt, the supervisor argued that the monthly statements constituted sufficient proof of debt and that my payments on the account implied my acceptance of the debt. I explained that I only continued making payments to protect my credit score, not as an acknowledgment of the debts accuracy.

Additionally, I was told that Discover would only consider a settlement if my account were to go 120+ days delinquent or if the account were to be sent to a law office. I find this approach unreasonable as it encourages customers to deliberately default on their debts, which would harm their credit.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MD)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX