davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a fraudulent account - XXXX XXXX XXXX  - opened on XXXX due to identity theft. This is the second time i have had to file this complaint as no response was recieved from the first complaint months ago. The other bureaus have already removed the account from my credit report yet you have not. The following inquiries are also fraudulent inquiries that I did not approve or initiate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

Opened XXXX credit card with comenity XXXX of XXXX sent a copy of OHIO orders on XX/XX/XXXX to XXXX XXXX XXXX XXXX for the Ohio SCRA act. Due to comenity only following Delaware and federal laws they refuse to follow a consumers home law. However, Delaware also extends out the SCRA act to service members even while active duty. Followed up with state laws from XXXX on XX/XX/XXXX with proof of SCRA act extending to members stationed in Ohio. They still refuse to follow Ohio law and the federal law that allows states to extend the SCRA act to their active duty members. 

Thank you
Consumer complaint received 2023-05-31
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. (FL)

This is 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 2016-03-12
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Travelex NY, Inc. (OR)

This is a pre-paid Travelex Mastercard which was issued as a travel card to provide XXXX while I was traveling. 

Card Number : XXXX There is an outstanding pre-paid balance on the card of {$400.00}, but when I asked the bank to close the account, and refund the balance, I was told by a representative of the bank that they no longer honor these cards. The expiration date on the card is XX/XX/XXXX. 

Two months ago, I spent about an hour on the phone with a representative of the bank ( " XXXX '' - employee number XXXX ) at the ( XXXX ) number XXXX. Initially she told me that she could talk to the bank, but that she was sure they would not refund the balance. After much discussion she who told me that a " XXXX '' would generate an email to me concerning the refund. 

I have had no contact from the bank since that call. I am asking that you contact the bank and determine why they are not honoring this card, or the outstanding balance owed to me.
Consumer complaint received 2024-03-26
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. (MI)

on XX/XX/XXXX I was going over a copy of my credit report and noticed that I had some unauthorized Hard inquiries that were supposed to removed in XXXX of XXXX. I immediately contacted both credit bureaus XXXX and Equifax. To make a long story short they did nothing to remove these inquiries. Can you please check into this for me Pleases and Thank you
Consumer complaint received 2023-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MD)

Like so many others I was offered a {$100.00} bonus for adding in {$10000.00} to my Goldman Sachs Marcus account and leaving it in the account for 60 days. I signed up for the promotion and added {$10000.00} to the account on XX/XX/. A tracker said that I should receive the bonus by XX/XX/XXXX. On XX/XX/XXXX when the bonus did not arrive I contacted Marcus via chat and was assured that I qualified for the bonus and that they would be posting the bonus soon. At the latest it would be 14 days ( XX/XX/XXXX ). When the bonus did not appear in my account on XX/XX/XXXX I chatted with Marcus again. Again I was assured that the bonus would post " soon. '' I also asked if Marcus was covered under the authority of the CFPB and the rep refused to answer. Shouldn't banks have to disclose the governmental agencies that assist customers when they do not treat them fairly? It is now XX/XX/XXXX and still no sign of the bonus. I searched the CFPB database and see that XXXX  of complaints have been filed against Marcus.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (CA)

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open.

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 us
c 1681 B 15 usc 1681 i ( 7 ) Read A and XXXX XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

XXXX WONT EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD XXXX I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



MY NAME IS XXXX XXXX XXXX ( I HAVE NO MIDDLE NAME..CORRECT MY NAME ) MY ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX MY PHONE XXXX XXXX XXXX MY EMAIL XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, Birth Certificate, SSN, Passport.. my name needs to match my officail documents
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DYNAMIC RECOVERY SERVICES, INC. (FL)

I disputed a debit and requested validation within the 30 day window on XX/XX/2016. I sent the letter via fax ( I have the confirmation ) and mail. The collection agency sent me a letter stating I was being non-compliant on XX/XX/2016. I sent a second letter requesting the validation on XX/XX/2016. The collection agency has not yet provided the requested information and continues to call me everyday some times as much as 4 times a day and telling me that they will not send the information and that my dispute is denied.
Consumer complaint received 2023-05-30
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. (AZ)

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-02
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. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to dispute the following information on my credit report. The addresses listed below are not my correct addresses : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Additionally, I have noticed several inquiries on my report that I do not recognize : XXXX XX/XX/XXXX inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX inquiry XXXX  XX/XX/XXXX inquiry XXXX XX/XX/XXXX inquiry I believe that my rights under the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA have been violated due to this inaccurate and incomplete information on my credit report. Please investigate these discrepancies and take appropriate action to correct them as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2017-07-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

I called in to my mortgage servicing company, Rushmore Loan Management, to complain that I have not received any monthly statements for several months. The servicing company advised me that since I have gone through a chapter XXXX  bankruptcy, that I would have to send a letter stating that I re-affirm the loan before they will send me statements, that it was a new company rule that went into effectXX/XX/XXXXXX/XX/XXXX. The problem is, the bankruptcy debt was discharged XX/XX/XXXX and I have been getting monthly statements from them with no issues since them. They have just begun to hold my statements hostage as of XX/XX/XXXX. I advised the customer support agent that at the time of the bankruptcy I was working on a loan modification and that I had signed a loan modification agreement, in effect taking on a new loan outside of the bankruptcy and that I have been on time with payments since the new agreement went into effect. The CSR advised that I would still need to send a letter stating I re-affirm the debt or that they will not send me monthly statements. I believe this behavior violates the periodic statement rule outlined in 12 CFR.
Consumer complaint received 2023-05-30
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. (NM)

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. 

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 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 2023-01-26
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. (MI)

This is my fourth 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX XXXX XXXX XXXX : {$5500.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-05-02
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ROCKY POINT CAPITAL LLC (VA)

This company call me 10 times in two weeks claiming that if I dont pay my bill with fingerhut that in two weeks they are going to summit me.After returning their phone the individual in which I dont remember his name stated if i dont pay the full amount they are going to sue me for the owed amount and lawyer fees. There after he hangs up the phone on me. These people have no heart and their tactics are illegal under the consumer law they not suppose to charge lawyer fees and court fees, that 's illegal.
Consumer complaint received 2024-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OR)

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, XXXX XXXX XXXX XXXX XXXXXXXX. As a matter of fact, because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXXXXXX, and my Fed. loans of over {$70000.00} are currently being discharged and my credit currently being repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a post class member. 

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 2000 '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 2017-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

I received a letter from Credit Collection Services in  XXXX , MA about a debt they claim to have that is suppose to be mine. I reached out to them as soon as I got the letter and sent a debt validation letter where they are required to : Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.  <P/> I also asked for proof of them being licensed in NC where I live and is a requirement for debt collection to be licensed/bonded here in order to try to a collect debt in NC. I only received a letter back with no proof of being licensed, and debt not being validated correctly per the law.
Consumer complaint received 2023-05-30
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. (NC)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, North Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX has violated several of my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2016-06-09
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I have filed this complaint with ; HUD, Making Housing Affordable, FBI, XXXX, XXXX, XXXX XXXX XXXX XXXX, Federal Trade commission, American Bar Association, XXXX Attorney General and I 'm sure some other agencies. I just found this out today so these agencies have not had a chance to contact me back. I got a letter to vacate the premises today so time is of the essence I just need someone to help me. 
I was contacted by XXXX XXXX XXXX XXXX out of XXXX XXXX after I was online looking for a company to help me avoid foreclosure on my VA loan. They asked me if I did a load modification with my current mortgage company and I said yes, they told me my mortgage company was under a class action lawsuit and I could avoid foreclosure as well as end up with a settlement under the dodd-frank act. They asked me if I had equity in my home and I said yes about $ XXXX, they said that is probably what the bank was after to gain. I gave them XXXX that day and they sent me paperwork to do. I did it but they kept saying they did n't get it. Yesterday I was contacted regarding my payment bc they do n't take XXXX XXXX and she wanted to know if I could use the same visa I had been using. Today I found out my home had been sold. I had no Idea. I contacted the law group and it was apparently news to them too, then she called me back and said a letter was mailed on XXXX XXXX that they were dropping me as a client due to incomplete paperwork. I told her I have sent in my paperwork numerous times, she wanted to see it, so I faxed her the copies of the multiple emails I sent. I then called back to see if they received them no one answered the phone on any number I dialed before for the rest of the day. I am a 12 year XXXX Vet, I 've been on XXXX XXXX, XXXX XXXX XXXX. I am a sinlge mother of XXXX children. I bought this house with I was XXXX years old and I ca n't believe this has happened. If someone, anyone can help me please do!! I am at a complete loss.