davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 2023-06-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX reported my loan as over XXXX days late when it was being paid off. 
It has been paid in full. I have not been able to get help from XXXXXXXX XXXX. I mailed a formal request in with documentation and no one has contacted me. I have submitted a claim on Experian and it was not removed. This mistake has destroyed my credit score unnecessarily. I was simply paying off a HELOC with another one. XXXX XXXX requested a payoff from XXXX XXXX, then there was a small amount due left over due to an inaccurate payoff being provided, and I immediately paid that. There was XXXX reason why a mortgage late should have been reported.
Consumer complaint received 2023-01-07
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: MOHELA (AZ)

I had filed a complaint. Mohela responded saying that the public records had been corrected and my loans were forgiven so I closed the compliant but when I checked the databases my loans did. It show XXXX as the said they did. They are also trying to deny paying back all the months thats Ive been in forbearance as they stoped counting in XXXX and told me it would take too long to re certify and apply but there has been no break in employment this whole time for me and they know it. I have XXXX payments and they want to only count XXXX
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. As a first step, I would appreciate it if you could provide me with details. information pertaining to the alleged accounts, including any associated. transactions, applications, or account activities. It is crucial that I review this. information to assist in the investigation and help identify any fraudulent activity that may have taken place. Furthermore, I kindly request that you suspend all activity and remove the related. alleged accounts immediately, including any associated fees, charges, or penalties. I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. the steps being taken to address this issue. Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. confident that you will manage this matter with the utmost attention it deserves. Should you require any further documentation or information from me, please do not. hesitate to contact me at the phone number or email address provided above. Thank you for your immediate attention to this matter. I eagerly await your response. and a resolution to this concerning issue. XXXX XXXX  did a inquiry on XX/XX/XXXX  XXXX
Consumer complaint received 2023-04-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TN)

On XX/XX/2023, Chime Bank closed my account that I had created with no reasoning why. The account was created for funds that I was personally using to pay for bills as a fraternity president at my school. I suppose that Chime did not like this and that is why the shuttered the account, but it is only speculation as they will not tell me why. I have been in contact with Chime support through email, which is the ONLY WAY they allow issues like this to be solved through. A representative of the company sent me an email on XX/XX/XXXX, stating that the funds inside the account should be sent as a check. The next day, another representative sent a clearly automated message that stated I was NOT ELIGIBLE for a refund. I reached back by phone and email to inquire which message was the truth, and I have yet to receive a response. I need the money from the closed account back in some way shape or form, as as far as I know, Chime is legally required to send it back even if the account is closed.
Consumer complaint received 2023-10-19
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (FL)

XX/XX/2016, I sold my home and I did not get the last utilities bill from XXXX. I contacted XXXX XXXX and XXXX to forward the last bill to my new address. Apparently the bill was sent to collection without my beknowing. I found out I had a collection on my credit report from LJ Ross. I contacted XXXX XXXX and XXXX and paid the balance owed. It has been 7 years and that balance is reporting under LJ Ross. I do not owe them anything. I have been disputing the item and all the credit agency does is update it. I contacted XXXX XXXX and XXXX and they sent me a letter that the balance has been paid. Please look into this matter and have LJ Ross remove this derogatory item off my credit report.
Consumer complaint received 2023-10-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

Best Buy Case # XXXX On XX/XX/XXXX at XXXX someone made an unauthorized purchase on my Best Buy credit card ending in XXXX in store at the Best Buy XXXX XXXX XXXX XXXX XXXX XXXX for {$820.00}. They bought a XXXX hair dryer and a new phone. I did not make this transaction and at the time it took place I had not even recieved my credit card in the mail yet. I also was at work when the transaction took place and provided a copy of my employments payroll software to show I was at work during this transaction. I have had my claim denied under insufficient evidence that I did not make this purchase according to Best Buys fraud department. I have no one but myself as authorized to use this credit card and they asked me if I know a XXXX XXXX and if she is authorized to use my card. I told them I do not know anyone by that name and no one but myself is authorized. My claim still got denied so I opened up a police report with XXXX XXXX XXXX for credit card fraud. Case # XXXX with XXXX. 

I have asked that when my case is reopened they provide a different investigator. Also have been hung up on from the fraud department when trying to get help. Please help me!
Consumer complaint received 2023-10-19
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. (CA)

delete XXXX XXXX  in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-09-15
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: Experian Information Solutions Inc. (WY)

Credit card was fraudulently opened in my name with XXXX on XXXX. Initial dispute reported XXXX, reference # XXXX, when I was made aware of charge off. I was told that it would be resolved and removed from my credit report, was removed from XXXX and XXXX but not experian. Filed another dispute with experian and XXXX  XX/XX/2023, no communication from XXXX  and experian dismissed my request. Filed identity theft report to federal trade commission XXXX, FTC report # XXXX
Consumer complaint received 2023-10-19
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. (AL)

Remove all fraudulent accounts Immediately. I reported I was trying to buy a house. I relieved I had damages to my report that wasn't being updated and removed. I reach out to each credit bureau XXXX, XXXX, and trans union asking to remove unauthorized inquires, false information, and collections and provide documentation. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681. Transunion will not let me view my account.
Consumer complaint received 2018-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TN)

I looked at my 2 student loans I have Navient. I noticed I was not having much of a dent in my balance each month. It seems that after paying student loans for 15 years on and off I can't get my balance lower than {$30000.00} when my original loan amount was {$7900.00} one loan and {$21000.00} for the second loan. I have a fixed rate of 4.5 percent. I feel like I'm paying a lot more in interest than the 4.5 percent fixed rate. The interest on {$7900.00} should only be {$350.00} and the interest rate on {$21000.00} should be {$970.00}. The student loan provider website says that in the life of the loan my total to pay back will be {$39000.00}. If my loans are 4.5 percent should not the total be no more {$31000.00}. Maybe I do not have an understanding of all the fees with student loans. I don't know. My loan was with XXXX before it was serviced by Navient. I feel like each month when I make a payment most of it is going toward interest and the interest is a lot more than 4.5 percent. I called Navient on XX/XX/XXXX18. I asked the question about interest. The lady I spoke to did not have an answer for me. She put me on hold. After a few minutes I was transferred to a survey for quality assurance. After the survey I was disconnected. I called back and had the same experience again. I felt like no one could answer my question about why my balance is not going down. I have had late payments in the past but have been up to date for over 6 months.
Consumer complaint received 2023-06-22
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. (TX)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX  XX/XX/XXXX
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX XXXX I received an alert on my credit file of an unknown inquiry. Please investigate and delete immediately XXXX XXXXXXXX XXXX ( XX/XX/2023 ) I am not liable for this inquiry its fraudulent.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/, I filed a complaint on Transunion about charge-offs and verifying debt. Although Transunion did verify most debt and found it invalid. There were still a few items left on my credit report. Transunion stated that they would mail me an updated credit report within 7 days of closing my dispute. I did get an updated report but I did not get any documentation from Transunion stating that the information left on my credit report was valid and why. The dispute number in question ends in XXXX.
Consumer complaint received 2023-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

15 U.S.C 1666B States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
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: Experian Information Solutions Inc. (IL)

I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (VA)

I have paid off this account back in XXXX. However, it is still showing on my report as past due and a balance owed. I have paid the balance off in full. The company sent me a paid in full statement. Yet, they are reporting inaccurately on my credit report and refusing to correct the information. I filed a dispute and despite the account being paid in full, and the company sending me a paid in full letter, and confirming it is paid in full, the company, in clear and direct violation of fair credit reporting laws, confirmed the information as accurate! This is not fair to consumers to allow companies to just so called review the information and confirm accuracy. They are clearly not even reviewing their records because the account is paid in full.
Consumer complaint received 2023-08-25
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. (SC)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-04-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

for several months, i have written several letters regarding inaccurate accounts on my credit report. the credit bureaus have either sent generic " verified '' responses or not investigated at all. i understand that its in their interest to not remove accounts as they would lose money, but i believe that this is impacting me negatively and i believe that this is a violation of the FCRA.
Consumer complaint received 2018-05-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (FL)

I have tried to call multiple times over the past several months and get this debt resolved with the collection company. I didn't receive notice from the company that I owed them money. I would like a copy of the original contract with the original billing company. I have disputed the account after multiple failed attempts to contact the company to no resolve. I would like the entire account removed from my credit report.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

This company continues to report false information regarding the status of my credit line with them. My payments with them are due on the XXXX of every month for a total of {$340.00}. 

The XXXX payment due on XX/XX/XXXX was made on XX/XX/XXXX. Yet not only was it reported XXXX  days late with XXXX business days left in the cycle, but they also then added the next month 's payment to it and reported the total due for XXXX as {$770.00}. How can you make next months payment due before the current month has even passed? 

Payments made in XXXX : {$380.00} - {$36.00} more than the payment due {$31.00} as a payment to cover late fees, which if I am correct arent even supposed to be reported. 

XX/XX/XXXX payment was made on XX/XX/XXXX for {$340.00} again before the end of the XXXX reportable period and for more than the balance due. 

At this point, it seems the only thing this company will understand is punitive damages as they appear to have no fear of action by the Consumer Financial Protection Bureau ''. 

This relates to previous reports filed with your agency XXXX XXXX XXXX XXXX- Experian
Consumer complaint received 2023-10-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I want to know what options do we have for cancellation of this debt. On the federal side they have been beyond accommodating to help with the repayment process and with the cancellation process. However, on the private side they are very little options for payment deferrals and no options for debt cancellation. I took out an initial loan of {$3500.00} and made consistent payment on the loan and right now I owe {$8700.00} and Ive been charged over $ XXXX in interest.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

In accordance with The Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights : XXXX XXXX Account XXXX XXXX  AND Account XXXX XXXX has 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-15
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. (NV)

I have a charge off that is not mine I have uploaded all asked for documents including my drivers license social police report everything! The will not take it off my report even though I have provided proof! I have the right for everything in my report to be 100 % accurate