davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

Started all the loans with sallie XXXX/navient. Recently received an email stating if you ever could not pay the private loans/ defer or only pay interest they could help or possibly drop the debt. I contacted them as I had deferred as well as paying interest only for over 4 years. XXXX XXXX reps told me they were unaware of it and couldnt help as I have proof of it from the website. I initially owed over XXXX now down to around XXXX, currently struggling due to numerous XXXX of severe XXXX and XXXX and out of work on leave without income. It was a lie on their site and am very upset.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

I have been a customer of the credit union for over twenty years. I am satisfied with the quality and banking service provided. 
However, most recently, I found I have been charged monthly for a number of months without having signed up for a Bill Payer Plus service. I never signed up for the this service provided by San Diego County Credit Union. I don't have any payments through the systems. I noticed charges have been incurred for the last few statements. I called SDCCU. They claimed I signed up for this service in XX/XX/2021. I asked for proof of this? They could not provide it. I also searched my email and communication. There is no record of me signing up. Since then, they have been charging me {$4.00} for this service, monthly. I don't check my statements as thoroughly. So, that is on me. However, the call agent was willing to refund me XXXX months of the fee, ~ {$20.00}, while the fees have amassed to {$140.00} over the last two and half years.
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX ) and innocently lost XXXX USD of my hard-earned life savings. 

I advised TD Bank of this fact on XX/XX/2022. After that, I sent my reminder letter on XXXX XXXX, XXXX. Even more, I went to the local branch and called several times. After 4 months of trying to get any feedback, which I find as rude and disrespectful treatment of the client, I received a negative response.
Consumer complaint received 2022-12-06
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)

I submitted a letter to the XXXX 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. 
UTILITY SELF-REPORTED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
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 XXXX 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. 
UTILITY SELF-REPORTED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Consumer complaint received 2023-07-28
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. (AL)

I am writing to dispute the accuracy of the information on my credit reports provided by XXXX, Experian, and XXXX. After reviewing the reports, I have identified inconsistencies that I believe warrant your attention and resolution. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX  Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX  ( reported as Unsecured loan by XXXX XXXX XXXX Code : Individual Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( reported as XX/XX/XXXX by XXXX XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX ( reported as XXXX by XXXX ) High Credit : {$30000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current ( reported as Late 30 Days by Experian ) Last Reported : XX/XX/XXXX ( reported as XX/XX/XXXX by XXXX ) Inaccuracies and Potential FCRA Violations : FCRA Section 623 ( a ) ( 1 ) ( A ) - Reporting Accurate Account Information : The " Date Opened '' is reported differently by XXXX and XXXX, with a discrepancy of approximately one month. This inconsistency may be a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to provide accurate and complete information about consumer accounts.

FCRA Section 605 ( a ) ( 4 ) - Reporting Accurate Account Status : Experian reports the account as " Late 30 Days, '' while XXXX and XXXX indicate " Current '' and " Paid, '' respectively. This inconsistency may violate FCRA Section 605 ( a ) ( 4 ), which requires accurate reporting of the account 's payment status.

FCRA Section 605 ( a ) ( 6 ) - Reporting Accurate Credit Limit : XXXX erroneously reports the " Account Type - Detail '' as " Unsecured loan, '' which affects the " Credit Limit '' field, showing " {$0.00}. '' This is inaccurate as the account is an " Auto Loan '' and does not have a credit limit. This may be a violation of FCRA Section 605 ( a ) ( 6 ), which mandates accurate reporting of credit limit information. 

I request that you conduct a thorough investigation into these discrepancies and promptly take corrective action to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

I am attaching copies of relevant supporting documents that validate my claims. I trust that XXXX, Experian, and XXXX will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (OK)

XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Additionally, I exercise my right to opt out of any and all authorization I the federally PROTECTED consumer may have given XXXX  whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Consumer complaint received 2022-12-06
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. (NV)

I keep sending numerous sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let these fraud accounts affect my credit score. They are bound to comply with the FCRA regulation section 605b but I think they are inattentive about this matter. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-13
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. (OK)

XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Additionally, I exercise my right to opt out of any and all authorization I the federally PROTECTED consumer may have given XXXX whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Consumer complaint received 2017-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IL)

On  XX/XX/XXXX I mistakenly made a duplicate payment online to Navient. I called Navient the next day to request a refund of the duplicate payment in the amount of {$250.00}. The customer service rep informed me that it would take five to 10 business days to receive my refund. When I had n't received the refund by day eleven, I called Navient again. This time the customer service person told me that it usually takes 12 to 14 business days to receive a refund. I waited and when I still had not received my refund by day 15, I called Navient a third time. This time the customer service person said that it usually takes 30 to 60 days. I told her that I had received two different responses when I called previously and that there is no way that it should take that long. She put me on hold to speak with her supervisor and then told me that they would have to issue my refund in the form of a check. I then asked to speak with a manager because I felt like I would never receive that check and my refund should have already been processed. She put me on hold once again to speak with her supervisor and then told me that my refund would be sent directly to my bank account and I should receive it within 5 to 7 days. I gave her my account information and she gave me confirmation #  XXXX . I requested a refund on  XX/XX/XXXX  and it is now  XX/XX/XXXX .
Consumer complaint received 2022-12-06
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-13
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. (NY)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( XXXX ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I have attached my XXXX report and my Police report that I have filed on my local police department that would testify that I am a XXXX XXXX XXXX XXXX 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have file a dispute in regards to the incorrect item on my credit report with TransUnion, and it has been well over 30 days and I haven't received any accurate investigation results or any verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for this account.
Consumer complaint received 2021-06-26
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. (FL)

I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.
Consumer complaint received 2022-12-13
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. (TX)

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

UNIVERSITY XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (VA)

IN XX/XX/2023 I OPENED A CHECKING AND SAVINGS ACCOUNT UP ONLINE. I WAS GIVEN A CHECKING AND SAVINGS ACCOUNT NUMBER. A WEEK LATER I RECIEVED A LETTER INFORMING ME THAT MY ACCOUNT HAD BEEN CLOSED. WHEN I CALLED HE NUMBER ON THE LETTER I WAS TOLD IT WAS BECAUSE I HAD NO ADDED FUNDS. I OLD THEM IT HAD ONLY BEEN A WEEK. THEY REFUSED O CONFRIM HE REASON AT THAT TIME. I THEN WENT TO A LOCAL BRANCH TWO WEEKS AGO AND I WAS GIVEN M OLD ACCOUNT INFORMAION. AT TTHE BOTTOM OF M ACCOUNTS IT SAID FRAUD. I SHOWED THE BRANCH MANAGER MY ID 'S TO VERIFY MYSELF. I THEN RECEICED A CALL FROM A XXXX IN THEIR RETAIL DEPT AND SHE TOLD ME PNC DID NOT WANT TO DO BUSINESS WITH ME. I THEN RECEIVED A CALL FROM A PAIGE VIS EMAIL AND PHONE CALL LAST WEEK. SHE XXXX HAS NOT RETURNED MY CALLS.
Consumer complaint received 2023-07-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX is stating my score is lower than it really is, XXXX XXXX XXXX FICO states it is XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 This account is showing inaccurately on my credit report