davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-13
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. (AZ)

I have written letter and made calls for a couple of years with no help. I have been trying to get an FHA home loan. There is one Navient account showing a charge off. This is a private loan from several years ago. I had my mother cosign the loan. I was diagnosed with a XXXX XXXX and went on XXXX. All of my loans were discharged due to total and permanent XXXX. If you check the National Student Loan Database, my balance is zero. Navient shows one loan as a charge off and a few more as delinquent and paid by insurance. Every other company has the information correct. My mother died in XXXX and I still get letters from her by collection agencies. Navient shows the balance as of over {$84000.00}. The original amount was {$40000.00}. Since I live on XXXX income, I have very little money. I called into Navient about the loan in question. They still want the money. Guess what, it will NEVER happen. I followed the process and my loans were discharged. They now want me to file another application for total and permanent XXXX for this loan. So since they cant get the credit reporting correct and can not get their XXXX applications in order, I am unable to buy a home. These people need to be stopped. Navient needs to be investigated and closed down. They should not be a for profit company. I have read about current litigation about Navient and XXXX reporting and would like to be contacted. Like I said, all other student loan companies have my loan information correct. All except for Navient. Since I cant get this resolved, I am going to seek the help of a bankruptcy attorney. Since I am permanently XXXX, I should get a discharge. It is sad that one must go to this length. I have been dealing with Navient for several years about this issue. I have to say that Navient is the worst company I have ever dealt with in the XXXX  years I have been alive. I have no idea why the government would ever do business with them. If everyone who has been harmed by Navient filed suit, maybe they might take notice.
Consumer complaint received 2023-02-14
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

I am check in my credit report today, I found one collection account in my report, But this account is not I opened, Because I didnt deal with the company from the collection account, Also I never receive any letter, email, phone call about collect debt from the company, That means the company dont have my all correct information, it is someone steal my some information like name, social security number to open the account, and I already set a alarm on credit bureau a few months ago, so please remove the collection account from my credit report as soon as possible.
Consumer complaint received 2017-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

I had a secured credit card from wellsfargo.. I closed it in  XXXX / XXXX /   2014 to  many issues using card and eventhough I had  XXXX  dollars as deposit and was only able to use half the amount on card I was constantly getting fees. so I closed it and was told that everything would clear and account would be closed. instead they charged me  XXXX  I had fought them even got a letter stating it was cleared. it is still on my credit reports.. my letter from them was destroyed in hurricaine.
Consumer complaint received 2023-08-18
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. (FL)

To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. 
I have sent in multiple disputes and XXXX have removed it of my credit report, but you guys refused to do so. I have submitted my police report and FTC report, with XXXX form of id verifications etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : XXXX. The date you contacted the creditor. 
XXXX. The contact information for the creditor. 
XXXX. The name of the person who verified the item to you. 
XXXX. The method of communication you used to verify this information. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Repeatedly, unexplainably blocked canceled erased deleted, and or hacked suspiciously with some sort of malware phishing, scams and other security breaching tools that have plagued me for years and have no results with both automated online mobile and customer service request.
Consumer complaint received 2023-09-29
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. (MD)

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 an account without my written instructions.
Consumer complaint received 2023-09-30
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: M&T BANK CORPORATION (NY)

I discovered in XX/XX/XXXX that there was a late payment reported to one or more Credit Reporting Agencies from XX/XX/XXXX for my mortgage with M & T Bank.

At that time, I had a medical emergency that required that I be hospitalized for an extended period. This unforeseen emergency impeded my ability to make the timely mortgage payment. 

Because I was XXXX at multiple and extended periods between XX/XX/XXXX and XX/XX/XXXX, I was unable to communicate with M & T Bank to request forbearance and certain other protections available to me under the CARES Act. This inability to communicate prevented me from attesting to M & T Bank as the mortgage servicer that I was experiencing a XXXX hardship and other complications caused by a XXXX diagnosis and subsequent extended XXXX 

I became aware that I was entitled to attest to financial hardship during the COVID-19 emergency and supplied medical documentation in support of the request for accommodation under the CARES Act as a borrower affected by the COVID-19 Emergency. 

Up until the medical emergency, I had an on-time payment history with the M & T Bank since the mortgage loan was originated. Subsequently, my payment history demonstrated ongoing and recurring on-time payments since being released from the hospital.
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX, XXXXXXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for a purpose.
Consumer complaint received 2024-04-02
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX account number : XXXX
Consumer complaint received 2023-08-18
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
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. (MS)

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 is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-03-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TX)

I was the co-buyer on a XXXX XXXX purchased on XX/XX/XXXX from Santander Consumer USA. I had a high interest rate of XXXX the truck was financed for {$29000.00} and I put down {$3500.00}. And was to pay {$640.00} a month for 72 months. Totaling {$50000.00} if paid in full. I believe my application was manipulated and an internal score was used instead of my credit score because there was never an inquiry on my credit report from Santander which I find very strange. I paid {$160.00} weekly for 14 months straight with no late payments. The buyer then decided to take the vehicle from me in XX/XX/XXXX for her own selfish reasons and fell delinquent on the account I tried countless times to resolve this matter with Santander, but they wouldnt allow me to do anything on the account. They allow the buyer to keep the vehicle for a whole year without making any payments and also allowed her to get an extension without my consent. The vehicle was finally repoed in XX/XX/XXXX and auctioned off leaving a balance of {$4500.00} of which they say I owe and I dont think its fair to me as a consumer to have to pay this amount.
Consumer complaint received 2024-04-02
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. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 2023-09-30
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. (TX)

I checked my credit report with Transunion, XXXX and XXXX and noticed they are reporting inaccurate information such as dates, amounts and accounts being opened/closed. I sent a letter in XX/XX/2023 requesting them to verify/update this information and it was not done. I sent a second letter in XX/XX/2023 requesting the removal of this inaccurate information and it was not done. I don't know where to go from here as they are not trying to help fix and correct the issue.
Consumer complaint received 2023-08-18
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. (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 that need to be investigated and deleted from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-20
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-09-30
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. (TX)

I HAVE RECIEVED ANY VERIFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECIEVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW 15 USC 1681 HAVE BEEN VIOLATED BY THE COMPANYS ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. I WILL BE LOOKING TO FILE SUIT AND COMPLAINTS WITH FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS.
Consumer complaint received 2023-09-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Company committed fraud by unauthorized use of my credit card and uses deceptive business practices. 

CREDIT CARD DEFINITION- USC1602 ( i ) - The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

My ssn was given and my signature released funds thats were given by the federal reserve upon submission of my consumer CREDIT application that were taken and not issued to me. 



I applied for a car loan on XX/XX/2023 and was denied credit and adverse action was taken by XXXX XXXX and CAPITAL ONE which is illegal as stated in 15 USC 1691- 1691 ( f ) which states, This Act ( Title XXXX of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or GOOD FAITH exercise of any rights under the Consumer Credit Protection Act. 

GOOD FAITH IS DEFINED AS- a broad term thats used to encompass honest dealing. Depending on the exact setting, good faith may require an honest belief or purpose, faithful performance of duties, observance of fair dealing standards, or an absence of fraudulent intent. 

The fact that I acted in GOOD FAITH AND WAS DENIED MY OWN CREDIT is illegal and fraud. 

Company violated my consumer rights by taking ADVERSE ACTION by DENYING ME CREDIT when no law permits denial of a credit worthy applicant. 

ADVERSE ACTION IS DEFINED AS- an action taken or determination that is- ( I ) made in CONNECTION with an APPLICATION that was made by, or a TRANSACTION that was INITIATED by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( XXXX ) ( F ) ( li ) of this title ; and ( II ) adverse to the interests of the consumer. 

Company cant deny a consumer credit based on transactions made by a consumer as stated above. 

PROOF THAT ADVERSE ACTION OCCURRED IS IN letter in ATTACHMENT below.
Consumer complaint received 2022-12-08
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any items listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) theCREDIT REPORTING AGENCIES shall block any information in the file of a consumer that theconsumer identifies as information that resulted from alleged identity theft, not later than 4 businessdays after the date of receipt.
Consumer complaint received 2023-08-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX, XXXX XXXX TRANSUNION Have violated my rights. 

on XX/XX/2023 I have submitted A identity theft FTC report through CFPB & United States postal service to XXXX, TRANSUNION & XXXX for the XXXX XXXX XXXX XXXX  ACOUNT ENDING IN # XXXX! I asked XXXX, TRANSUNION XXXX XXXX to do their investigation and remove the fraudulent account from my consumer reports. ON XX/XX/XXXX I received a letter from XXXX with my updated consumer report & the Fraudulent account with XXXX XXXX XXXX XXXX ENDING IN # XXXX Was removed from my XXXX consumer report & I also got the update with the removal on XX/XX/2023. 

On XX/XX/XXXX I received a letter from TRANSUNION with my updated consumer report & the Fraudulent account with XXXX XXXX XXXX XXXX ENDING IN # XXXX Was updated as " Verified and accurate '' On XX/XX/XXXX I received a letter from XXXX with my updated consumer report & the Fraudulent account with XXXX XXXX XXXX XXXX ENDING IN # XXXX Was updated as " Closed '' but still reporting fraudulent late payments. 

TRANSUNION & XXXX Stated that the account was properly investigated but how is that possible if XXXX REMOVED THE FRAUDULENT ACCOUNT, TRANSUNION STATES ITS VERIFIED AS ACCURATE AND XXXX MARKED THE ACCOUNT AS CLOSED WITH LATE PAYMENTS. This is unfair to me as a consumer because the FAIR CREDIT REPORTING ACT and the banking system is dependent on fair and accurate credit reporting. 15 usc 1681 states The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

TRANSUNION & XXXX ARE falsely claiming that this account is mine and are inaccurately reporting this account, THIS IS GROUNDS FOR REMOVAL. 

They also violated 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written consent. I have never gave this account written permission to furnish this account on my consumer reports.

I have attached my waterfall and my bank statement along with my ID so do not send me a STALLING LETTER!