davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-07-07
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. (NY)

I have submitted a dispute with transunion expressing that i am unaware of this account that is reporting by this credit reporting agency and they have not properly done an investigation because the account is still reflecting and negatively impacting my credit
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-05-27
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: Shellpoint Partners, LLC (IL)

Shellpoint continues to report inaccuracies on my credit report. Upon checking my report, there are now : 1. 5 inaccurate late payment statuses reporting on my credit XXXX report. 
2. 1 inaccurate late payment status reporting on my credit XXXX report. 
3. 2 inaccurate late payment statuses reporting on my credit XXXX report. 

I have disputed the inaccurate reporting several times with the agency. The payment status is never resolved, only moved around. This is a clear violation of my rights, as I do not understand nor agree with how this account is reporting. 

If this can not be resolved, I will be submitting a complaint to the FTC.
Consumer complaint received 2023-07-03
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (OH)

My name is XXXX XXXX, and I am writing to you today to file a complaint against Navient. I called Navient on XXXXXXXX XXXX XXXX The purpose of my call was to notify Navient that I am invoking a defense to repayment of the loans because the school I attended, XXXX, defrauded me and for this reason I will no longer be making payments on my private student loans. 

The response I received from the Navient Customer Service representative was that she understood ( what was I saying ) and that they have been receiving a lot of calls surrounding XXXX. 
She explained, if anyone that is working on the private loans can prove that they are fraudulent have them contact us. 

I then sent a written summary of this call and asked for more information about what the representative said to the general Navient email account as well as to the Navient office of the Customer Advocate. 

I received an email response on XX/XX/, from XXXX, a Loan Servicing Specialist ( I have attached a copy ). In her email, XXXX only said that Borrower Defense Relief is a program offered by the U.S. Department of Education that allows borrowers to apply for loan forgiveness for their Federal Direct Loans. Please note that the provisions of Borrower Defense Relief doesnt apply to private credit loans. Your loans ending in XXXX and XXXX are private credit loans, which does not qualify for loan forgiveness programs. 

On XX/XX/2023, I received a communication from XXXX XXXX from the Office of the Customer Advocate ( I have attached a copy ). In the communication, XXXX said that theres no discharge program available at this time for students who claim a defense to repay a private loan due to misinformation or the quality of education they received at their school. Were not able to respond to any information or guidance provided by a customers school, financial aid advisor, or other financial advisor. 

I believe there is a problem with these responses and there should be a process for providingme with more information and relief. 

Having attended XXXX  has left me with significant debt and a worthless degree, leading among other harms to financial and emotional distress.I was told by the school that it would be funded through the VA using my GI Bill and I wouldnt have debt. I would talk with the student counsellors and they would confirm this. I used 100 % of my GI Bill and still there were federal and private loans taken out in my name. I was misled as to cost of everything and how it was being financed. 
The above described activities constitute violations under the applicable state consumer protection laws and constitute common-law claims for breach of contract and negligent misrepresentation. In addition to causing enrollment, these actions also induced reliance to remain at the school. 
In addition, the Department of Education has also found that XXXX defrauded thousands of students. 
https : //www.ed.gov/news/press-releases/education-department-XXXX XXXX
Consumer complaint received 2023-05-27
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. (CT)

On XX/XX/XXXX, there is an unauthorized inquiry from XXXX XXXX XXXX XXXX Tran Union credit report. Let it be clear, I DID NOT APPLY for an XXXX XXXX card! Nor did I receive any letter from XXXX XXXX. Trans Union illegally and negligently simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report. This is the FOURTH TIME I am addressing XXXX XXXX XXXX NEGLIGENCE! 
After the XX/XX/XXXX CFPB complaint, I received letters dated XX/XX/XXXX from XXXX XXXX stating that my application may have been declined in error. We apologize for any inconvenience this may have caused. What does XXXX XXXX not understand? I DID NOT APPLY FOR AN XXXX XXXX CARD! Any application XXXX XXXX received was unauthorized.
Consumer complaint received 2024-03-29
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. (NY)

I am formally disputing the fraudulent information on my credit report. Upon reviewing my report, I discovered an account that does not belong to me and is a result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite this, the account remains on my credit report with your bureau. 


XXXX XXXXXXXX
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (FL)

I have written to this company several times throughout the years, the last letter was mailed out on XX/XX/XXXX via certified mail. I have been a Banana Republic card holder since XX/XX/XXXX and have never paid late. According to my credit reports, it shows XXXX late payments XXXX on XX/XX/XXXX and the other on XX/XX/XXXX. The late payments were due to temporary job loss and it was only for XXXX day due to the late arrival of the United States Postal Service. I have pleaded with the company via phone as well but to no avail. I am trying to purchase a home, therefore, these negative items are affecting my credit score. I would greatly appreciate you looking into if further and I look forward to hearing a positive outcome.
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-12-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I mailed a written letter to stop all communication with me regarding a debt, and the company is still calling and trying to contact me. The certified letter was delivered to the company on XX/XX/22. I have attached the certified mail receipt along with this complaint. The company has tried contacting me on XXXX, XXXX at all hours of the day. 

XXXX XXXX # XXXX
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

XX/XX/XXXX Consumer Financial Protection Bureau I am writing to file a complaint against BMO Harris Bank. 
I opened a checking account online at BMO Bank on XX/XX/XXXX, account ID XXXX. I have made significant deposits on XX/XX/XXXX and XX/XX/XXXX, but no withdrawals made. Total balance is {$14000.00}. 
I checked my balance on XX/XX/XXXX, and the balance is XXXX. 
On XX/XX/XXXX, I went to the BMO Harris branch at XXXX XXXX XXXX, XXXX XXXX XXXX. I spoke to branch XXXX XXXX XXXX, XXXX XXXX. He informed me that my account was locked due to suspicious activity. He did not specify the activity. 
He asked me to produce several documents including two photo IDs ( drivers license and passport ), social security card, credit card, naturalization paper, and utility bills ; I complied promptly. XXXX XXXX also said that he would contact XXXX recovery team in his bank to restore the balance, but no specific time frame given. 
I have called his office several time since ; he has not answered and I have left messages. 
On XX/XX/XXXX, I went to the branch to meet with XXXX XXXX, and was told that he was off for an unspecified emergency. He called me later that day, saying that he is still working on it but again no time frame was given. 
On XX/XX/XXXX, I went to the branch again. I met with XXXX XXXX and he asked me to contact the fraud department, as XXXX XXXX said he was not authorized to unlock the account. 
On XX/XX/XXXX, around XXXX XXXX, I called the fraud department and spoke to XXXX ( I believe XXXX XXXX ), a fraud XXXX with BMO Harris. He advised that I should return to the bank with my passport, and XXXX XXXX could unlock the account immediately. 
On XXXX, around XXXX XXXX, I went to the bank with my passport, and again XXXX XXXX refused to access my account, and stated that he is not authorized to unlock it. 
On XX/XX/XXXX, XXXX XXXX called and said that he has been working with XXXX XXXX XXXX in the fraud department to unlock my account. I was given no time frame as to when this situation would be resolved. 
I am enlisting your help to investigate and resolve the issue immediately. Please advise if you need any additional information, or have any questions. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (PA)

Despite Wells Fargo being told countless times that my Step Father XXXX XXXX hasnt been seen or heard from and do not reside at this address they continue to harass me and calls here for him anyway and this evening someone name XXXX called here from XXXX XXXX XXXX demanding to speak with XXXX XXXX and when I stated that he does live here she rudely hung up the phone. Now Im getting sick and tired of Wells Fargos XXXX because despite them already being notified of legal representation they keeps beating around the bush trying to set me up
Consumer complaint received 2024-03-29
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)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Good Afternoon, I have been a Coinbase customer for more than a year now. An account of mine has been blocked for more than 6 months and It won't let me access it. I have changed all my passwords, the card is correct and everything seems fine. I'm desperate and I don't know who to turn to. I need for my account to be unblocked, so I can access my money. I need it to pay my bills. I've written more than a XXXX e-mails and I always get generic responses. Can someone please help me? I have approximately XXXX. COINBASE CASE : # XXXX Thank you, I await a reply.
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My property was foreclosed on while under Bankruptcy protection by NationStar Mortgage Services, I had filed a bankruptcy petition on XXXX/XXXX/2016 and my property was schedule for action on XXXX/XXXX/2016. I was under the XXXX XXXX XXXX which I believe was violated by my lender.
Consumer complaint received 2022-12-22
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. (TX)

I have no knowledge of this account and opened an investigation with no resolution after 30 days. I only received an invoice with my very old address on it but I never seen this doctor and he is not in my medical history. I lost my drivers license years ago with that address so I believe someone fraudulently used my ID but this is not my account and a debt I owe. 

COMPANY : XXXX XXXX ACCOUNT # XXXX AMOUNT : {$260.00}
Consumer complaint received 2022-12-22
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. (VA)

Pursuant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX XXXX XXXX is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 
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 know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-20
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: Experian Information Solutions Inc. (MD)

In the month of XX/XX/2021, multiple inquires were added to my account. This was completely unauthorized and done without my knowledge or permission. As a result, my credit score has dropped significantly for something i did not authorize or do. I have no idea where these inquires came from because i never inquired about anything in the month of XXXX.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Without fail, I have maintained a record of timely payments on this account, diligently avoiding any instances of overdue payments. Yet, I find myself XXXX by the presence of late payment remarks on my accounts. According to XXXX XXXX XXXX - Billing Error, these discrepancies should be addressed.
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (NC)

I am writing to file a formal complaint against Credit Corp Solutions for multiple Fair Debt Collection Practices Act ( FDCPA ) violations. Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : XXXX. Unauthorized Debt Acquisition : They acquired debt from the original creditor without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 
XXXX. Failure to Provide Verification of Debt : On XXXX XXXX XXXX, I sent a written request to Credit Corp Solutions requesting verification of the alleged debt they were pursuing against me. However, the agencies failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 
XXXX. Ignoring Cease and Desist Instruction : In my previous correspondence with Credit Corp Solutions, I explicitly instructed them to cease communicating with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued collecting efforts, including phone calls and letters, disregarding my rights under the FDCPA.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALCHRO INC. (FL)

This company is no longer open and I cant pay the final {$25.00} which isnt fair because I want this account removed. If I cant pay them why should this account stay on my account. The website no longer active
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been disputing this account every month since XXXX. The different items I have disputed are, openng and closing the account, no date of last activity, activity after charge off, reporting a past due balance on a closed accoiunt, incorrect payment history, reporting 90 days late XXXX times, reporting a past due amount on a charged off acount, removing the c/o and replacing it with late payments and removing payments after dispute. reporting dispute resolved when it is not. Refusing to update account after multiple disputes, everytime I file a dispute to correct information furnished to CRA, they add or delete something to furthur cause harm to my credit report. The latest was to change the account closed date from XXXX to XXXX with the last payment made in XXXX. 

XXXX, XXXX and XXXX all say that they are aware that the data being furnished is factually inacurate and changes each month but state that they are required to report what is furnished to them and can not correct, block or remove unless Capital One tells them to, so they update the account each month with more inaccurate data than the month previous.
Consumer complaint received 2023-01-24
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)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. ''