davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
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. (VA)

I am writing to bring to your attention an unfortunate incident involving Transunion 's erroneous reporting of my credit score. I believe this issue warrants your attention as it directly affects my financial well-being and potentially violates the Fair Credit Reporting Act ( FCRA ) guidelines regarding incorrect reporting and its adverse impact. On XX/XX/2023 Transunion information extracted by XXXX XXXX shows a decrease of XXXX in credit score. I contacted TU directly and the company verified no changes and no adverse information on my credit profile. XXXX XXXX asserts the information comes directly from the reporting agency. However, theres a significant discrepancy between the two companies. CFPBs previous complaint/response from the company states the score is accurate because I have a thin file. Im challenging the way Transunion is working and how they determine someone who is XXXX to have a thin file. I have attached a copy of my report which demonstrates 19 plus years of credit history with various accounts both open and close. In addition, the companys reporting of my credit usage is off by over 80 %!! Someone should file a class action suit against Transunion for its erroneous methodologies that have adverse impact on your ability to obtain credit.
Consumer complaint received 2024-01-20
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. (MS)

My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX sincerly XXXX XXXX
Consumer complaint received 2024-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I hope this letter finds you well. It took me years to gather up the courage to write this letter to bring to your attention a grievous matter concerning my experience with Navient, my former student loan servicer. I am reaching out to you as a last resort after enduring prolonged emotional distress and substantial financial damage caused by the company 's actions. 

After financing my education at a XXXX XXXX XXXX in Oregon through federal student loan programs, I found myself facing significant challenges with Navient. The ordeal began shortly after my Grace Period ended in XX/XX/XXXX. Despite my best efforts to submit income verification documents to Navient 's website, technical glitches persistently thwarted my attempts. What followed were interactions with their customer service representatives that only deepened my frustration and despair. 

For over a year, XX/XX/XXXXXXXX  XX/XX/XXXX, I found myself caught in a frustrating loop, repeatedly uploading required documents to a portal, receiving non-compliance notifications, and starting the process anew. During this time, Navient capitalized interest on my loans, resulting in an alarming six-figure interest capitalization that inflated my total student loan debt to an overwhelming $ XXXX. 

The breaking point came when Navient finally acknowledged that the portal they directed me to was defunct and unmonitored. The toll on my mental health was devastating. Enduring tearful phone calls and falling into a XXXX  XXXX and associated weight gain which my family and close friends can attest to. 

Now, as I navigate the process of consolidating my student loans to access Income-Driven Repayment benefits, I find myself facing the haunting repercussions of Navient 's actions. I'm compelled to shed light on my experience and seek justice for the mistreatment I endured.
Consumer complaint received 2023-11-21
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. (FL)

law 15 U.S.C 1666B I have send in many letters to trans union regarding this issue as per borrower defense Federal Student aid application number XXXX this loans have been paid in full or otherwise discharge. I have send the attachment email received from the Federal student Aid to transunion nothing has been resolve. this is affecting my credit and causing XXXX  and XXXX because of this issue my score is very low. please help thanks This is for XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is not coming up on here i try the drop drop down
Consumer complaint received 2024-01-19
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. (DE)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want the items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Complaint Letter to the Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : XXXX : XXXX Date : XX/XX/XXXX Consumer Financial Protection BureauOffice of XXXX XXXX XXXX XXXXWashington, D.C. XXXX Subject : Formal Complaint Against Nissan Finance and Authorized Dealerships for Misleading Practices and Poor Customer Service Dear CFPB, I am writing to formally lodge a complaint against Nissan Finance and its authorized dealerships, specifically XXXX XXXX XXXX and XXXX XXXX XXXX, for their misleading practices, unscrupulous behavior, and overall poor handling of my vehicle lease end and purchase process. 

Background : I am the co-owner, along with XXXX XXXX, of a XXXX XXXX XXXX leased from Nissan Finance. As the lease neared its end, I attempted to either return the leased vehicle or purchase it, starting from XX/XX/XXXX. However, my efforts have been met with consistent evasion, misleading information, and highly unprofessional behavior from the staff at the aforementioned dealerships. 

XXXX XXXX : XXXX. Misleading Sales Tactics : Despite clear communication regarding my intent to return the vehicle or explore options for a new lease similar in terms to my previous arrangement, dealership personnel repeatedly attempted to steer me toward unfavorable and unsolicited trade-in deals. 
XXXX. Failure to XXXX XXXX : On multiple occasions, after receiving direct assurances via phone and email that my concerns would be addressed, I was subjected to the same unhelpful and aggressive sales tactics, with no genuine effort made to resolve my situation. 
XXXX. Negligence and Potential Financial Harm : Most concerning is the handling of my visit on XX/XX/XXXX, after receiving a repossession warning from Nissan Finance. The dealerships staff ran my credit without achieving any result and proposed switching me to an inferior vehicle make, not aligning with the contractual agreement of having the option to purchase the leased vehicle. 

This series of actions demonstrates a pattern of deceptive practices and customer manipulation aimed at maximizing dealership profits at the expense of consumer rights and transparency. 

Request for Action : I urge the CFPB to investigate these practices and take appropriate action to ensure accountability and prevent further exploitation of consumers. I also seek assistance in resolving the matter with Nissan Finance directly, ensuring that my consumer rights are upheld and that any negative impact on my credit score is avoided. 

Please find attached all relevant communications and documentation supporting my claims. 

Thank you for your attention to this serious matter. I look forward to your prompt response and assistance in resolving these issues. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CO)

I am writing to file a formal complaint regarding an account listed on my credit report, which I believe to be inaccurate and unjustified. Despite my previous attempts to address this matter directly with the reporting entity, they have failed to respond or provide any documentation supporting their claim, as required by the Fair Credit Reporting Act ( FCRA ) under Section 609. 

I have made multiple attempts to resolve this issue by sending both mail and email communications to the creditor, requesting validation of the alleged debt in accordance with the provisions of the FCRA. Specifically, on XX/XX/2022, I sent an email to [ XXXX 's Email Address ] formally requesting proof of the debt in question. Regrettably, despite the considerable time that has passed, I have received no response or acknowledgment from the creditor. 

Under the FCRA, Section 609 ( a ) ( 1 ) ( A ), consumers have the right to request verification of any disputed debt from the reporting entity. Failure to respond to such a request within 30 days of receipt constitutes a violation of this federal law. Furthermore, Section 611 ( a ) ( 5 ) ( A ) of the FCRA mandates the removal of inaccurate or unverifiable information from credit reports.

Given the lack of response and failure to provide any supporting evidence, I believe it is evident that the creditor 's reporting of this debt is erroneous and inaccurate. Therefore, I kindly request your intervention and assistance in addressing this matter promptly.

I kindly request that the Consumer Financial Protection Bureau take the following actions to rectify this situation : Initiate an investigation into the alleged debt and the creditor 's failure to respond to my previous communications as required by law.

Direct the creditor to provide me with the requested validation of the debt in question within the statutory time frame. 
Instruct the credit reporting agencies to remove the disputed account from my credit report until such time as the creditor has provided sufficient evidence to substantiate their claim. 
Take appropriate enforcement actions against the creditor for their non-compliance with the FCRA. 
Enclosed with this complaint, please find copies of my previous correspondence to the creditor, including the email dated XX/XX/2022, as evidence of my attempts to resolve this matter amicably. 

I greatly appreciate your attention to this serious matter and your assistance in helping me rectify the inaccuracies present in my credit report. Please feel free to contact me should you require any further information or documentation.
Consumer complaint received 2024-03-22
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. (NJ)

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX  - XXXX - Please delete this item immediately. 

XXXX XXXX XXXX- XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have 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 an 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 or 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 data is inaccurate.
Consumer complaint received 2023-11-18
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: JPMORGAN CHASE & CO. (TX)

I have disputed the fraudulent credit card accounts being reported on my credit reports to no avail. This is very frustrating. Nobody is doing an actual investigation into the claims, yet the bureaus keep telling me the accounts have been " verified ''. Verified by whom??? They are not my accounts and can not possibly be " verified ''. The following accounts are not my accounts and need to be permanently deleted from my credit reports! 
XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Credit usage 95 % Balance {$6600.00} Balance updated XX/XX/XXXX Credit limit {$7000.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - PAYMENT HISTORY LEGEND Status Closed. {$820.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$820.00} Highest balance {$7400.00} Monthly payment {$67.00} Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit XXXX 's request Completed investigation of FCRA dispute - consumer disagrees Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX JPMCB CARD XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$2600.00} Balance updated XX/XX/XXXX Credit limit {$2000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2600.00} Highest balance {$2600.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I am inquiring about the settlement claim that I was not included in. I had a savings and checking account with Wells Fargo bank for many years and have not received any compensation for the settlement claim- I tried to contact Wells with no help with this matter. Please help THANK YOU
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

This account with XXXX XXXX  through XXXX XXXX, is to inform all three credit reporting barrels, XXXX, XXXX, and Experian that XXXX XXXX XXXX XXXX was never late on any of his payments. I accept all delinquencies be deleted immediately off credit report for it is harming my credit profile, this is legal proof that the account is in good standing and has never been late. Please remove all delinquencies effective immediately.
Consumer complaint received 2023-11-21
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number XXXX XX/XX/XXXXXXXX  TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear TransUnion Consumer Relations I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX DA have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX DA Account Number : XXXXXXXX  Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXXXXXX  Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$40000.00} Balance Updated : XX/XX/XXXXXXXX  Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : XXXX I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that TransUnion thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (MI)

Between XXXX and XXXX Someone at XXXXXXXX XXXX hacked into this credit card account DISCOVER BANK : XXXX and XXXX and transferred money to their accounts! I informed them that I did and authorize these transfers. They would not so I closed these accounts in XXXX of XXXX over 7 years ago. It still is showing up on my credit reports!!! Also XXXXXXXX XXXX in hacking into my accounts again!!!!
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've asked TransUnion to verify XXXX XXXX XXXX XXXX sent them a letter certified getting no response for them I have no acknowledge that this account or nor do I know about this company