davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX, Account name : XXXX and Account name : 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2022-10-19
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: MOHELA (TN)

I am submitting this complaint because Dept of Education transferred my loan ( s ) to MOHELA and once this happened several inaccuracies were reported on my consumer report such as late payments and inaccurate amounts. 15 USC 1681 ( a ) -Congressional findings and statement of purpose states that the banking system is dependent upon fair and accurate credit reporting. I have tried to resolve this matter with the company and also the credit agencies but neither of these companies complied or investigated this matter. The CFPB released a report stating that Millions of student loan debt borrowers had their debt transferred resulting in errors for 'hundreds of thousands of accounts '. The CFPB stated that companies are engaging in potentially bad behavior regards to these types of transfers. I feel I was treated unfairly because my dispute was never handled and this is effecting my consumer report and has caused me to be denied credit.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Our home mortgage was sold by XXXX XXXX to a company called Specialized Loan Servicing LLC on XX/XX/2018. To date we have not received any information or paperwork from Specialized Loan Servicing. Today is XX/XX/2018. Nor has any payment information been sent to us from SLS. I have called to set up payments and SLS will not even speak with me regarding this note which I have authorization to speak on.When I call SLS the call is picked up in a call center in which a person can hear many conversations going on in the background. In this day and age no person wants to speak about their home mortgage in such an atmosphere. I wis to know where I stand legally before we are called late with our payment.
Consumer complaint received 2018-12-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Have spent hours literally on the phone and try by email and website to fix error on my report - get a different song and dance every time
Consumer complaint received 2023-02-27
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (WI)

Navient states it is charging me for unpaid student loan. However the attached proves at of XXXX the claim of {$3800.00} was paid in the amount of {$3800.00}. 

Servicers have provided fraudulant accounting attached. It allocates payment of interest, thus leaving a balance. 

Servicer states : Any amount not paid by the trustee under the proof of claim will remain due.

XXXX would then be due. I am then due a refund for last years mistake payment.
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WA)

I was paid by the company I work for through an invoice I sent them through PayPal. PayPal will not release The money that was sent to me. This is my salary and I can not pay rent or eat without this money. 

They keep giving me misleading information, and telling me the money will be released and now they are telling me I have to wait 21 days. My paycheck was sent XX/XX/23.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NC)

My account was closed do to suspected fraudulent activity, when opening the account there was a {$400.00} incentive if I met certain criteria. I met all the criteria before the account was closed and the bank would not honor the promotion.
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased a dining room table from XXXX XXXX and returned it without even having it delivered. The item was around {$1000.00} but only refunded me {$800.00} and now my account is past due even when I already closed XXXX XXXXPottery Barn Credit Card XXXX Capital One said since I already closed my account, they cant dispute it and I will need to reach out to XXXX.
Consumer complaint received 2023-09-05
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: EQUIFAX, INC. (NY)

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 2023-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I hope this message finds you well. I am writing to express my sincere gratitude for providing me with the letter you shared earlier, which has shed light on the situation and clarified my understanding of the matter at hand. Your assistance is invaluable to me during this challenging time. 

While I acknowledge your perspective regarding my responsibility for the account in question, I would like to emphasize that from the years XXXX to XXXX, I was unjustly incarcerated abroad, far from the United States. Given my circumstances during that period, it would have been impossible for me to open or manage any accounts. It has recently come to my attention that my uncle, XXXX XXXX, may be the root cause of this predicament. I have discovered evidence indicating that he had access to my identification, even going so far as to use the name " XXXX XXXX '' Regrettably, it appears that XXXX has been exploiting my identity without my consent, shirking his responsibilities, and evading legal obligations. It is worth noting that he is considerably older than I am, which would be evident during the time when these accounts were allegedly established. Additionally, the phone number associated with these accounts is entirely unfamiliar to me, and I have never used it. public records may show it linked to me but he probably used it for numberous other accounts he creaeted so it would make sense. 

I kindly implore your understanding and compassion in this matter. It is my belief that you do not possess my signature on file or have undertaken a thorough verification of my identity. Tho im not blaming your institution, I have reason to suspect that XXXX may have received assistance from his former girlfriend, who was employed there. Her involvement could shed light on how these accounts were initiated she was later fired I humbly request your assistance in rectifying this situation by removing these erroneous entries from my credit report. My hope is to establish an honest and mutually beneficial relationship with your institution, one that I personally initiated and can confidently participate in. 

I appreciate your attention to this urgent matter and look forward to your prompt response. Please do not hesitate to reach out to me. 

Thank you for your understanding and assistance. 

account ending XXXX Re : Account ending in XXXX XXXX XXXX XXXX : XXXX CFPB Case : XXXX ive attached your document below
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act, the below account has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681 by not reporting accurate information in my credit report. 

Acct : XXXX XXXX XXXX XXXX ( XXXX ) share draft account # XXXX has been fully paid and closed on XX/XX/2020 and should be deleted not be reported as a negative charge off on my credit report affecting my credit worthiness as a consumer in good standings. Attached is a letter from XXXX XXXX XXXX confirming my statement above. 

*15 USC 1681 Sec 602a states I have a right to privacy.

*15 USC 1681 Sec 604a states a consumer reporting agency can not furnish an account without my written instructions.

*15 USC 1681 Sec 2 ( a ) ( 1 ) states 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 2023-09-28
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. (AR)

In accordance with FCRA all the following accounts has violated my rights. XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX 
15 USC 1681 section 602A. My rights to privacy 15 USC 1681 section 604 A section 2. Consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1681a ( 2 ) ( a ) ( i ). EXCLUSION consumer reports does not include information solely as to transactions or experiences between consumer and the person making the report. I sent a written request for the credit bureau to address the violations.
Consumer complaint received 2023-09-05
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)

In Accordance with the fair Credit Reporting act These accounts and Inquires

have violated my rights!XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-04-15
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My with Aurora Loan XXXX was scheduled to be service released to Nationstar on XXXX/XXXX/12. Instead, my home sold ( closed escrow ) on XXXX/XXXX/12. Despite this, Nationstar continues to report that I had a loan with them ( even though the Aurora Loan XXXX record is still reflected on my credit ), and they reported that my account began with them on XXXX/XXXX/12 and was derogatory. They continue to show this on all credit bureaus despite the fact that I 've contested it and shown them that they did not even have servicing at any time.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

mailed a dispute to transunion XX/XX/20 to get proof of a negative item on my credit that i disagreed with. It has been onver XXXX days and have not received any response from thie company or even alert me they are processing my request.
Consumer complaint received 2024-05-04
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. (OH)

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, The XXXX XXXX XXXX XXXX. 
As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of {$57000.00} were discharged and my credit repaired.

I am aware that Navient was sued by 39 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 XXXX 's. 
These 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 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools.

After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates?

Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools.

Time 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 NOW!
Consumer complaint received 2023-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-10
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. (GA)

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2023 Amount : {$20000.00} The above listed account has been disputed previously through the cfpb. Upon checking my reports over again on this day XX/XX/2023 I discovered that this account has not been marked as disputed in the comment section. My quality of life mode of living and reputation has been damaged as a result of this, causing me emotional and financial damage. My rights have been violated by your company under the below applicable laws and provisions. Cease and desist immediately in the reporting of this account. 

1692-1692p 807. False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (MD)

When I signed up for the loan, it was XX/XX/2021. I needed it to buy furniture and I applied for the loan, was approved but they added other add ins to the loan which didnt make sense but I went along with it. The loan was for {$3000.00}
Consumer complaint received 2023-07-21
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. (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX XXXX XX/XX/2023 Subject : Dispute of Late Payments on Credit Report and inaccurate information. 

Dear [ CFPB ] I am writing to dispute the late payments listed on my credit report for XXXXXXXX XXXX account number- XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX account number XXXX. I have reviewed the information provided in my credit report, and I believe that these late payment entries are inaccurate and unjustly impacting my creditworthiness. 

You are in direct violation of the fair credit reporting act. I firmly believe that you will find these late payment entries to be incorrect.

15 U.S.C 1681 section 602 ( a ). Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 ( a ) section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Remove these late payments and update these accounts immediately as you are in direct violation of several laws under the Fair Credit Reporting Act ].

I trust that you will handle this matter promptly and with the utmost care. As per the Fair Credit Reporting Act ( FCRA ). Failure to address this dispute adequately within the prescribed timeframe will leave me no choice but to seek legal assistance and file a complaint with the appropriate regulatory bodies, as provided by the FCRA. 

Thank you for your assistance. 

Sincerely, XXXX XXXX