davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXXXX/XX/XXXXUniversity. Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX University, I was able to file a XXXX XXXX claim with the XXXX. of XXXX against XXXX University, and myXX/XX/XXXX were XXXX and my credit repaired. 

My XXXX XXXX XXXX was also part of theXX/XX/XXXXXXXX settlement for which I am a full class member. 

I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XX/XX/XXXXThese private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for XX/XX/XXXXmonths or more during a " specific '' time frame, were excluded. Furthermore, Navient has been sued at least a half dozen times for other predatory loan practices and illegal collection practices. 

When attending XXXX University, I was aggressively pushed towards dealing only with Navient ( then XXXX XXXX ). I was told by XXXX University that they could only assist me in the process if I went with Navient, and that I was entirely on my own if I chose another lender. This is the sole reason that most of my private student loans are with Navient, who has proven to be fraudulent and predatory. 

I am also aware of a XX/XX/XXXX by which Navient is sending out applications to select students who may have filed XXXX XXXX claims against their schools and were approved. Under the FTC " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. XXXX is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 

XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools.
Consumer complaint received 2024-04-09
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. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 

including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX  : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX  XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX  XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



Sincerely, XXXX XXXX
Consumer complaint received 2018-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I reviewed my credit report several months ago to find that XXXX XXXX XXXX has an open debt collection for {$1600.00}. I send a Debt Validation letter 45 days ago with no response to XXXX, XXXX, & Equifax Credit Reporting agencies requesting in writing information to confirm this debt is mine. I have not received any information in writing. The account in question states it was opened XX/XX/2016. 

However, the credit bureaus updated my credit report to say verified but has not supplied me in writing with data confirming the account belongs to me.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

XXXX submitting a complaint in response to the recent investigation. I do not agree with your findings, and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors or agencies that are reporting this information on my report, and because of this, I am now asking you for more information regarding these particular items in question : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. Inquiries that are in fact unknown/unauthorized and shall be DELETED IMMEDIATELY ARE LISTED BELOW : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

Since XX/XX/2023 -- the following are the complaint that I filed with CFPB notifying American Express of the security fraud that they account on my principal account.

My application for your services are registered security which is an obligation of the United States. Which makes it cash and I am not receiving a valuable consideration for each security.

I believe I have given American Express adequate notification that the closure of my accounts is security fraud. American Express continued to ignore my notice of security fraud. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2018-08-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (KS)

I was called eight times on Friday by XXXX XXXXXX/XX/XXXX ( Ohio ). When I confronted the caller about excessive calls she said they dont have to follow UDAP rules. I also mentioned that they use blocked numbers and she told me that they dont, however the call I was on was from an unknown number with XXXX concerning a missed payment. On Thursday they called six times, Wednesday they called two times as well.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (PA)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America has made it cumbersome to close my account. I called during business hours and they put me on a two hour waitlist that extended beyond working hours. Once I got an operator on the line, I was told that they don't have the capabilities to close the account and that I would need to place another call the day after. 

I shouldn't have burden put on me to close the account - they offer no way to do this in an easy fashion and it seems like they are using shady tactics to discourage people from closing their accounts.
Consumer complaint received 2024-04-09
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 have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Your agency is in violation! 
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. 

Listed below are the Personal Information that are being challenged Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect Name : XXXX XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX  | XX/XX/XXXX
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (NJ)

I RECEIVED MY CREDIT REPORT ON XX/XX/XXXX XXXX AND NOTICE THERE WERE HARD INQUIRIES THAT DONT HAVE PERMISSIBLE PURPOSE TO BE ON THERE .THESE HARD INQUIRIES ARE HURTING ME FOR GETTING APPROVED. I ALREADY REACHED OUT TO THE CREDIT BUREAUS ABOUT THIS MULTIPLE TIME THEY KEEP VIOLATION MY RIGT UNDER 15 USC 168. I ALSO HAVE ATTACHED. THE HARD INQUIRIES THA DONT HAVE NO PURPOSE TO BE ON MY REPORT
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have not supplied proof under the doctrine of estoppel by silence, Engelhard v. Gravens ( mo ) 281 sw 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in facts therefore exists
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my multiple endeavor to tell you that I am a victim of identity theft 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 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
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.
Consumer complaint received 2023-11-01
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)

The unverified 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 creditor 's 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? 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  {$1100.00} XXXX XXXX  Charge-off {$130.00} XXXX XXXX  {$1100.00} XXXX Late Payment {$24.00} XXXX Late Payment {$0.00} XXXXXXXX XXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00}
Consumer complaint received 2023-03-20
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX OF XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX/XXXX/XXXX
Consumer complaint received 2023-11-01
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. (MS)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

has violated my rights. Or a 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 2023-06-23
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. (IN)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, 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. (GA)

Some inquiries are showing on my credit report that I have no knowledge of and I did not authorize. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts on my credit report.
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (PA)

I consistently maintain punctual payments on this account, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (GA)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.