davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

As per the prior complaint file number XXXX I am now escalating this as the response given is not accurate. Navient through taking out a loan made a negotiable instrument that was then used and sold on the primary and secondary market. I was not aware that they have been selling this every time a loan was taken out. I have revoked their POA via the IRS. Also the 1099-C that has been shown is a valid 1099-C accepted by the IRS. So the company not complying with the directions prior would be seen as tax fraud along with this, I asked for my securities back from them and I have received nothing. Again another violation with the SEC. 
Navient is not providing correct fiduciary duties and are in dishonor. I have included the 2848 form along with a XXXX  of the 1099-C 's being accepted by the IRS. I also included the recent 1099- C. As I am the lender for the account/s and the securities would not have been made unless I had an account with them. I am in contact with the IRS and they stated I can manage the account now since POA was revoked. I have also included the arbitration paper that I will be installing in a week depending on the outcome provided by Navient. 
Also I did not give permission for them to sell my information again to XXXX and then XXXX. Again the securities that have been made off of this have not been given to me or deposited into my account. With the forensic audit I have I know they have sold my information many times. At this time Navients power of attorney is no longer.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

DELETE ALL FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXXXXXX XXXX XXXXXXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'INITIAL ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-12-12
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-07-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc. (WV)

I had negative marks placed on all three credit bureaus from credit systems into for a debt they claim is from XXXX XXXX, a Texas electricity provider. I last lived in Texas in 2006. Any debt from that service would be XXXX XXXX XXXX and well past the statute of limitations and it is therefore illegal to claim it is new debt on my credit report. I disputed it and asked for written verification. They did not verify the debt but did claim it was newer debt. XXXX refused to remove it from my credit report. I have been materially damaged by their fraud in representing that this debt is mine and is new.
Consumer complaint received 2023-12-13
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: Experian Information Solutions Inc. (IN)

I went to purchase a vehicle and I noticed inquiry that are fraudulent on my Consumer Report. I have not applied for credit or entered into any contractual agreements with XXXX XXXX XXXX or XXXX XXXXXXXX XXXX during the time periods indicated by the inquiries. As these inquiries were conducted without proper authorization, I kindly request their immediate removal from my credit report to prevent any negative impact on my creditworthiness.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I requested a copy of the original signature from the application be sent to my home address. I am requesting proof that XXXX XXXX allowed to practice debt collections in the State of Florida. This account has been be reported negatively for over seven years. I request on several occasions the reporting history from the opening of this account be sent since 2016. If XXXXXXXX XXXX had the complete file it would show the original Date of the application., Reassignment to collections does not restart the seven year window. Please send a complete file that shows each purchase each month to compute the amount claimed owed.
Consumer complaint received 2024-07-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

An account ; JEFFERSON CAPITAL LL shows up on my credit report as a collections status of {$190.00} opened on XX/XX/year> as the original creditor, though I never contracted with this company nor do they show up on XXXX XXXX XXXX XXXX, however JEFFERSON CAPITAL SYSTEMS LLC XXXX # XXXX does show up. I can only assume that is the correct company and they are not licensed to conduct business ; debt collections in florida where I reside. All though the account was " verified '' via a credit reporting agency dispute, I claim this is an error/ false reporting of a supposed debt.
Consumer complaint received 2024-07-26
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: Duvera Billing Services, LLC (CA)

I have viewed a copy of my consumer report and when reviewing a copy of it I noticed that the consumer reporting agency as well as the so called " creditor '' have unlawfully furnished my information without my consent. It is very clear that within the FCRA in pursuant to 15 USC 1681B they must have my written consent or court jurisdiction to furnish any of this information on my behalf, I do not consent to them furnishing anything on my behalf, with that being said i am cease and desisting all illegal activity In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I opted of of all authorization from XXXX XXXX XXXX and filed a complaint with the CFPB. 
Opt out letter and Complaint attached. 
This account is charged off and the law says a charge is considered certificate of indebtedness and that is considered income since the it has been filed on their taxes as a loss. 

Privacy Act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union has been holding my funds and froze my account since XX/XX/2023. There was over {$120000.00} in my accounts and after calling them several times and several trips to the bank, i would get the run around. I was told on 5 separate occasions from the security deposit that I can go into the bank and get my funds, then when i arrive, they tell me my funds are not verified and can't release them. Than later they said they sent back about {$80000.00} of the funds to the company who sent me the money into my account in which the company who sent them said they didn't receive. Now they say my balance is {$45000.00} in which they can verify and when i spoke to a navy federal security specialist on XX/XX/2023, he assured me i can now go into the bank and get that money. I went 3 times to the bank and today was the last time XX/XX/XXXX, and they are saying the funds are also not available for withdrawal even though I have recorded conversations of them saying it was several times. This has affected my ability to live, eat, pay rent and im facing eviction because of this.
Consumer complaint received 2023-12-12
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: Experian Information Solutions Inc. (TX)

I have opted out of all authorization from XXXX XXXX XXXX and filed filed a complaint with CFPB. Letter and complaint attached. 

The Law say a Charge off is a certificate of indebtedness and is considered income and income can not be reported on a consumer report.

Privacy Act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (GA)

On XXXX XXXX Aldous and Associates said I owed a balance of {$300.00} after I told XXXX XXXX XXXX XXXX that this account under my name was fraudulently opened. I have never been to this establishment and Im sure their records will show.
Consumer complaint received 2023-12-12
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. (AZ)

I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. PLEASE REMOVE PURSUANT TO SECTION 605B.
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

on XX/XX/year> XXXX limited closed my account because I used wise to trade crypto. I wrote a complaint to them to get the remaining money in my account but they did not accept it. They said there was a claim against that amount and it would be returned to the claimant. However, as of XX/XX/year>, when I asked them to send me a statement, the money still remained in my account and had not been returned to anyone else. I will attach their final decision and my account statement as of today XX/XX/year> below Wise said that " Wise received a reversal of a payment to the customer 's balance account which was completed and there are no funds remaining. Wise is available to provide additional information upon request. '' Please ask wise give me transaction ID that wise reversal!
Consumer complaint received 2024-07-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Management Holdings, LLC (NY)

I was contacted through a phone call by a debt collector whom never identified themselves as such. They began the phone call with something similar to, " I am calling in regards to your outstanding XXXX balance. '' Because I was deceived into believing it was the pharmacy, I confirmed my personal information. Then the collector attempted to transfer me to the billing department to collect payment, without informing me it was the billing department of a collections agency. Instead I tried to pay my XXXX bill online. When I attempted to do so I learned my debt had been sent to collections. That's when I realized that the company I had just spoken with had actually deceived me through misrepresentation to get my personal information. In this misrepresentation the company attempted to collect a debt without properly identifying themselves as a debt collection agency, and instead mislead me to believe it was XXXX.
Consumer complaint received 2023-12-12
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. (TX)

My Experian and XXXX credit reports are reporting an account in collections from a company named XXXX XXXX XXXX for a debt from another company only identified as " XXXX  ''. The amount is {$940.00}. This was posted to my account during the month of XX/XX/2023. I have filed a dispute with Experian and XXXX online stating that I am not aware of this account/company/debt. Although they communicated back that the dispute was resolved, it is still showing up on my credit report as of today, XX/XX/2023. I can only assume that someone purchased something or received a loan in my name and with my SSN. I would like this resolved as soon as possible as it is very negatively affecting my credit rating.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (TX)

Checking my credit report a few months ago, I discovered errors regarding the account of CAINE WEINER ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 
15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Consumer complaint received 2023-12-12
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)

There are 2 accounts reporting that I am not familiar with. I don't recognize either one. Please help me to get these accounts remove from my credit report. 
XXXX XXXX account with a balance of {$3000.00} and XXXX account with a balance of {$4100.00}. 

Please remove this incorrect address and employer information XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
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: Experian Information Solutions Inc. (NV)

Per FCRA, as a federally protected consumer, I am now opting out of any or all authorization that I the consumer may have given you written, non-written, verbal, and/or non-verbal per 15 U.S. Code 6802.

" ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX, I was a victim of bank identity fraud. The Bank of America, which I have never utilized, allowed someone, online ( and clearly without identification ) to open an account in my name. I was told this is a new COVID policy. Considering everything has opened since the pandemic, I feel this is not a valid justification but simply a way for them be remain laxed in their security procedures. This person was able to obtain access to my social security number and opened an account with errors in my mailing address and with my name spelled incorrectly. When I learned of the fraud, I had to go through the trouble of freezing all of my accounts. I even obtained the services of an identity protection agency. It has required a lot of time on my part to try rectify this issue. I immediately contacted the Bank of America who said that the account would be closed. The following month, I received another bank statement. I called the Bank again and was informed the account the closed but a last statement may have been mailed. This past Friday - XX/XX/23, I received another statement. I just called and now I am being told that the investigation is still pending. They sent me a packet of forms they wanted me to complete with all of my personal information and which also required me to request personal documents from the social security XXXX. I told them that this should not be my responsibility since it was their lack of security which allowed the creation of this problem. Yet they now want me to spend additional time to request all of these documents with my personal information and send it through the mail. First, this is none of their business. They should not have access to all of my personal information. I am not even a client of this bank. Second, I am not comfortable sending this information through the mail when my social security number has already been compromised. In fact, this Bank has had issues with previous data breeches. Hence, why would I want to provide them with more information. They want more information to close the account than they required to open the account. When I called on XX/XX/23, I was on the phone for over an hour and spoke to multiple supervisors who will not tell me when the account will be closed. They are actually telling me if any transactions occur with this account, I could be held responsible. Today ( XX/XX/23 ) I received a letter sating they are refusing to close the account because I refuse to provide them with any more personal information. How can it take more time to close an account than it does to open one? Something is inherently wrong. I could really use some assistance in this matter and I believe their policies need to be changed.
Consumer complaint received 2023-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (WI)

I have a family of XXXX children and a wife. They range from XXXX old to XXXX  month. Wells Fargo is Garnishing {$210.00} per paycheck which will put me under the poverty line if they can lower the garnishment that would help me and my family live.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.