davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 WY XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00}.
Consumer complaint received 2021-01-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

When I attended XXXX University, their staff encouraged me to get a co-signer on my student loans. They told me that I just had to make consistent payments for 1-2 years, and prove I could make the payments with employment, and I could get my co-signer removed from my loans. In talking with Sallie Mae customer service years back, I was informed of the same information.

Over the last couple of years, I've made multiple attempts to get my co-signer removed from 4 of my loans, yet I consistently get denied.

I've made at minimum 2 consecutive years of paying over and above the principal and interest on all 5 of my loans as well as I always pay in advance.

In reviewing my account online, all 5 of my loan accounts are up to date, and have been consistently up to date since XXXX. 

This month I applied yet again, I submitted proof of income by sending my XXXX income tax return. I've been employed with my current employer for over 4 years. My income was over XXXX for XXXX. I've submitted proof of my degrees to Navient multiple times. 

Yet they again denied me. 

Please know that in XX/XX/XXXX when I began making payments my total balance was {$140000.00}. Today my balance is {$99000.00}. This is a reduction of {$44000.00}. I am someone who takes this seriously and my payment history with Navient proves it. 

In addition, I have paid {$19000.00} in interest in XXXX alone.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed out dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently sent out disputes on XX/XX/XXXX and I have yet to receive a response from XXXX, XXXX, Transunion, or XXXX.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

I am writing to formally request an investigation into and the removal of unauthorized hard inquires on my credit report. I recently discovered these inquires on XX/XX/XXXXXXXX  when reviewing my credit report, and it has come to my attention that I did not provide consent for such inquiries to be conducted. 

Below are the details of the unauthorized hard inquires : Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  Inquiry Type : Hard Inquiry Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  Inquiry Type : Hard Inquiry Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  Inquiry Type : Hard Inquiry I would like to emphasize that I did not authorize any entity to make a hard inquiry on my credit report at the specified date. I am concerned about the potential impact of this unauthorized inquiry on my credit score and overall creditworthiness.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to file a formal complaint regarding the mishandling of my repeated attempts to remove fraudulent items from my credit report. 

Despite submitting disputes on multiple occasions, this marks the fifth attempt to address the presence of fraudulent items on my credit report with your agency. Despite providing ample evidence and documentation to support my claims, these efforts have consistently been met with disregard, and the fraudulent accounts persist on my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly resolve disputes brought to their attention. 

I demand that your agency immediately conducts a thorough investigation into the fraudulent items on my credit report and takes decisive action to remove them. Furthermore, I request that you provide me with written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
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. (IN)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (FL)

XXXX {$440.00} XXXX XXXX {$440.00} Opened XXXX. XXXX, XXXX  ( XXXX yrs ) Account status Open Original Creditor Name XXXX XXXX Closed Returned equipment but never removed off my credit
Consumer complaint received 2024-04-11
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-04-11
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. (FL)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2018-08-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I received a call @ work on XX/XX/2017 and I took this call at work something I dont usually do because my job really doesnt allow personal calls to me this sounded very important they guy XXXX had me going.. He explained to me from how I was told that bye me paying him a total of XXXXx3, my student loan would be exempt now I didnt know that he was just filling out paper work something I could of done for free not paid a third party. When I stared to receive the invoices from Navient I made a call to them to see what was going and they explained to me how XXXX XXXX XXXX XXXX XXXX has nothing to do with them and they charging me has nothing to do with Navient. I tired to call XXXX at XXXX XXXX XXXX XXXX XXXX they put me on the phone with XXXX XXXX no help at all!! So I had no choice to contacted CFPB.
Consumer complaint received 2024-04-11
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF EDXXXX XXXX XXXX : {$6300.00} DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$6300.00} DEPTEDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Army and Air Force Exchange Service (TX)

On XX/XX/XXXX I wrote a letter to XXXX and XXXX disputing an account that was listed on my report due to Identity Theft. The account is listed as MILITARY STAR on XXXX report and ARMY/AIR FORCE EXCHANGE on my XXXX credit report. The date the account was opened was on XX/XX/XXXX and the credit limit was for {$1100.00}. The account came back verified. However, I did not receive any documentations verifying the debt. I also submitted a FTC Report under the name Military Star as this is the name listed on the credit report that I received from XXXX and XXXX XXXX.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans Union and the other XXXX credit bureaus are reporting a verbal warning for a traffic violation as a criminal act. The date of the offense was XX/XX/2020, I was doing XXXX and was delivering packages in XXXX Delaware. A officer was stopping anyone who did not have Delaware tags, and was telling them that they were speeding. When he saw that I was working for XXXX, he decided to give me a verbal warning. When he brought the paper for me to sign, I asked him " I thought this was a verbal warning '' he replied that they now put it on paper just to verify that it was given. Not knowing the future damage this would cause, I signed it. I never had to go to court, or traffic court for this warning as it was supposed to be that... just a warning. Trans Union and the other bureaus have it down as a criminal offense. All of my driving apps have deactivated me and all driving jobs that I have applied for this year are turning me down.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. (TX)

Today, I'm reaching out to address a concerning matter of identity theft that has significantly impacted my credit report. After filing a report with the Federal Trade Commission, as mandated by law, I've taken steps to rectify this situation. According to the Fair Credit Reporting Act ( FCRA ), Section 605B, credit reporting agencies are required to promptly remove any entries identified in an identity theft report, specifically in this case, report # XXXX. I've attached relevant documents to assist in the removal of these inaccurately reported items. The following accounts were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per FCRA Section 605B ( a ), credit reporting agencies are mandated to remove such disputed entries within four business days upon receipt of the complaint.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX at XXXX I got a message welcoming me to bank of America and an email asking to verify my email. Then at XXXX getting a message that they could not open an online account for me.i never tried to open an account and have never used bank of America so I believe it was fraud.
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: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-12
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. (NY)

XXXX XXXX reported this fraudulent transaction to the Credit Reporting Agencies since XX/XX/2013. Someone opened four accounts in my name unknown to me. I requested information from XXXX proving it was me but got none. I filed a dispute with the Credit Bureau but they upheld the Company decision. 
Please advise how to remove this false information from my report. 

Thank you, XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I noticed unauthorized and fraudulent inquiries on my credit report. Those inquiries consisted of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance XXXX {$6800.00} XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX : {$530.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$220.00} XXXX  XXXX Balance XXXX {$6800.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

On XX/XX/2023 I filed a complaint with all 3 credit bureaus, XXXX, XXXX and Equifax to advise the County of XXXX XXXX DCSS ( Child Support ) office the they were not reporting 100 % accurate. In addition, this account appears on my credit report as a " LOAN ''! That is totally wrong! 

CHILD SUPPORT : 15 USC CODE 1681E ( B ) & 15 USC CODE 1681I ( 5 ) FAMILY SUPPORT SERVICES DEPT Partial Acct # XXXX. Status : Open This account is in violation not reporting 100 % accurate. It lists the child support court as the furnisher. That is forgery and misleading when the courts dont report this type of account!
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have tried several time to have the information on this account be updated. I am not disputing the fact that the XXXX XXXXXXXX XXXX  account does not belong to me. I am disputing the fact that it is reporting as delinquent. The account was paid in full and the remarks on the account is reporting as charge off the account should report as paid in full also it is reporting a high balance of {$360.00} this is also incorrect, the account is also reporting transferred/sold this is incorrect.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (SC)

I have been charged {$430.00} in NSF fees since XX/XX/XXXX. And much more going back years. I dont know where they came from or why Im being charged. My account will have money in it and then the bank just takes {$29.00}. On two occasions they charged three NSFs fees in one day. {$90.00} taken by my bank twice. No explanation or reason. I have no bills that come from this bank, as Ive been transitioning everything to XXXX due to the predatory practice Ive experience at Navy Federal.
Consumer complaint received 2023-07-28
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. (FL)

I am writing to request the immediate removal of the following accounts and information from my consumer report. It is imperative that the listed accounts and information should not be reported, as their inclusion violates the FDCPA and FCRA regulations. I kindly ask you to take prompt action to delete and remove these accounts and information from my consumer report to ensure compliance with the relevant laws. Your urgent attention to this matter is greatly appreciated. Thank you.