davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2018-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

As of XX/XX/18, monthly statements which indicate interest charged are not available online. The interest rate and balance are shown, but in order to find out how much interest is being charged monthly, you have to call Navient. This seems like a deliberate attempt by Navient to withhold information from their customers.
Consumer complaint received 2024-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

Through cfpb, I submitted a complaint and Mohela responded saying that I am due a refund. They said it would take 60-90 days from XX/XX/XXXX. It has been 90 days and I have not received the refund.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. I have identified account transactions that do not relate to any transactions made by me. It is evident that my personal financial information has been compromised and used without my consent or knowledge. Under federal law it is considered identity theft to use a persons identifying information without their consent. I am notifying all agencies who is reporting this account information to remove it from my name and any records pertaining to me. 

I have competed an identity theft report, with instructions, and identification which is attached to this complaint.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (SC)

I have made several attempts to requested proof of the debts and its late payments and non ownership of the debt and have not received any response from the collectors! I have submitted request to remove this collection items off my account that have 100 percent proof of ownership across the board! I have submitted letters of missing information missed spelling errors of my name and address that I have not been associated with and Im requesting these things be removed off of my consumer reports
Consumer complaint received 2023-12-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am writing to express my deep dissatisfaction and concern regarding Portfolio Recovery Services LLC ( PRA ) handling of a debt validation request and their subsequent reporting on my Experian consumer report. My attempts to rectify the situation through correspondence have unfortunately proven futile, prompting me to escalate this matter and file a formal complaint. 
On XXXX XXXX, a debt validation letter ( Exhibit A ), seeking clarification on the reported debt of {$870.00} on my XXXX consumer report was received by PRA. Regrettably, PRA responded with an unsigned letter ( Exhibit B ) & ( Exhibit E ) asserting the validity of their claim, accompanied by misleading and confusing information. The key issues with their initial response are as follows : PRA 's response contained conflicting statements, as they asserted to be both the current creditor and a debt collector. This contradiction raises concerns about the accuracy and transparency of the information provided.

Despite my explicit request in the debt validation letter for a breakdown of the amount owed, PRA failed to provide a clear breakdown of how they calculated the debt. Instead, they supplied eight random statements with varying balances, ranging from {$490.00} to {$830.00}. This discrepancy further adds to the confusion and misrepresentation of the debt in question. The alleged demanded debt is being reported with a {$870.00} balance, but no proof of this calculation was presented in their documents. 
Subsequently, on or around XX/XX/XXXX, I submitted a second letter ( Exhibit C ) to address these issues and request a thorough investigation. However, PRA, in their response, ( Exhibit D ) not only refused to investigate but also insisted on continuing to report unverified and adverse information on my consumer report.

The continued reporting of inaccurate and unverified information by PRA has resulted in credit denials and severe financial stress for my personal business. It is my firm belief that as a consumer, I am now a victim of PRA 's ongoing violations of the Consumer Financial Protection Bureau ( CFPB ) order mandated in XXXX ( CFPB XXXX XXXX ). No Contract exists between me and PRA, also this debt is an alleged debt that PRA has chosen to pursue without a lawful claim.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my first endeavor to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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. (CA)

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

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-12-21
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. (MD)

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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
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. (AL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21
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. (NY)

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (IL)

This has been a long time ago but I was an employee of Wells Fargo and had 2 checking accounts with overdraft protection. 2015 I believe. I had the wrong debit card with me but used it because the funds should have automatically transferred from the other account to cover the purchases. I then had a large payment come out and instead of transferring the funds as they should have it even covering the small ones then charging the {$35.00} fee for the big payment they pushed the big payment through and charged me {$35.00} fees for every small purchase I had made prior to the large payment. At the time I called my supervisor called over and over to get it fixed and I think they waived one fee still leaving about XXXX overdraft. I would give you more details but I contacted them last month asking for account records and all they did was try to collect the {$10.00} they are saying I still owe them. I again requested the records from them but was sent only a collection notice for {$10.00}.
Consumer complaint received 2023-10-30
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. (TX)

I have reached out to the following accounts below and talked to them about the issue with my account as reported by the TRANSUNION. They have advised me that they will remove the account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2023-12-01
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

I have XXXX trying to get my money out of Gemini for OVER A MONTH the company keeps sending me false instructions I am wasting a lot of time and energy on this. please help me I am entitled to damages at this point I initally opened a complaint with you. complaint number # XXXX I am attaching their latest email with bad information
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NV)

Good afternoon, Amex Account numbers as follows : XXXX XXXX 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!
Consumer complaint received 2023-08-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/2023 Shellpoint Mortgage Servicing Legal and Dispute Department XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Prepayment Penalty Amount Loan Agreement # XXXX To whom it may concern, I am writing this letter to formally dispute the prepayment penalty amount that was recently deducted from my loan payoff balance. As per my original loan agreement with XXXX and in accordance with Ohio state statute ORC Sec. XXXX, the prepayment penalty was to be calculated at 1 %. In correspondence with your closing company, you initially provided the correct payoff amount based on the terms specified in the loan agreement, which included a prepayment penalty of 1 %. 

Subsequently, 10 days after closing, I was informed that the prepayment penalty was actually 3 %, and I was requested to remit the higher amount along with additional fees and interest. 

I would like to emphasize that this discrepancy contradicts both the terms of my agreement with XXXX and the Ohio state statute. As a result, I request that the incorrect prepayment penalty of {$6800.00}, which was deducted from my loan payoff, be adjusted to the accurate amount of {$2100.00} in accordance with the original terms outlined in my loan agreement and the Ohio state statute. 

I believe in resolving matters amicably, and I sincerely hope that we can come to an agreement on this issue. However, should we not be able to find a suitable resolution, I may have no alternative but to pursue legal action to recover the undue charges.

I would like to bring to your attention that I never agreed to or signed any documentation reflecting a 3 % prepayment penalty. The amount I agreed to, both in my loan agreement with XXXX and in compliance with Ohio state law, was 1 %. It appears there may have been a misunderstanding, error, or miscommunication that led to this discrepancy. 

I am attaching copies of both the loan agreement provided by XXXX and a copy of Ohio state statute ORC Sec. XXXX for your reference. As you can see, the terms of the prepayment penalty are clearly outlined in both documents, specifying a 1 % penalty for each of the first XXXX years of the loan term. 


If there are any additional documents or information required from my end to expedite the resolution process, please do not hesitate to inform me. You may contact me at XXXX or XXXX at your earliest convenience. 

Thank you for your cooperation in addressing this matter promptly. I trust that this issue will be resolved in accordance with the loan agreement and Ohio state law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Enclosures : - Copy of Loan Agreement with Kiavi - Copy of Ohio XXXX XXXX XXXX Sec. XXXX ( https : XXXX ) - Copy of the emails in regard to this issue
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I demand an immediate and thorough investigation into this matter. Why, after providing evidence, going through the dispute process, and supposedly resolving the issue with your bureau, does another fraudulent account appear on my credit report? This egregious oversight not only reflects a failure on your part to protect consumers but also demonstrates a severe lack of diligence in maintaining the integrity of credit reporting. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is utterly unacceptable that your bureau, entrusted with the responsibility of accurately reflecting consumers ' credit histories, would allow yet another fraudulent account to tarnish my credit report after I diligently followed the necessary steps to dispute and remove the previous fraudulent entries. 
XXXX  XXXX XXXX XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable XXXX XXXX XXXX XXXX  XXXX - PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I insist that you promptly rectify this situation by removing the newly reported fraudulent account from my credit report and provide a comprehensive explanation for this blatant error. This occurrence is not only damaging to my creditworthiness but also indicative of a systemic failure within your organization. 
The continuous appearance of fraudulent accounts on my credit report leaves me with no choice but to question the competence and reliability of your bureau 's reporting practices. This negligence has severe consequences for consumers and undermines the very purpose of a credit reporting system.