davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Customer Care-Remediation Account ending in XXXX Wells Fargo Customer Care has grossly under compensated me for inconvenience during this repossession ordeal. Although their attempts to compensate at less than {$330.00} is partially accepted it does not fully account for the inconvenience during this ordeal. Account fees/charges were added in large error to this account. 

I look forward to amicably reaching an acceptable resolution.
Consumer complaint received 2018-04-11
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: Experian Information Solutions Inc. (FL)

I submitted a dispute with Experian regarding an old XXXX acct that reported late back in XX/XX/XXXX.. In XX/XX/XXXX and told them that a XXXX supervisor stated that this acct would be deleted after 3 years from date of late as agreed, this acct has already been removed from both equifax and transunion however Experian still has this acct on my credit report.please delete XXXX  acct as agreed since its been well past 30 days..
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-03-05
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. (TN)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-03-05
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: Experian Information Solutions Inc. (NY)

To whom it may concern, I am deeply concerned to discover that someone gained unauthorized access to my account and conducted a credit inquiry without my knowledge and approval. This breach of privacy adds to my ongoing frustration with the unresolved issues concerning these inaccurate accounts below. 

XXXXXXXX XXXX  Account # : XXXX Account # : XXXX I request urgent attention to rectify these disparities and they must ensure a consistent and accurate representation of my credit history across all bureaus. Failure to provide the exactness of reported information will result in further removal of these accounts as declared by the Congress in terms of accuracy policy. 
As per FCRA Sincerely, XXXX XXXX
Consumer complaint received 2018-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CT)

Navient calls me between 5-10 times a day regarding late student loan payments. When requesting forbarrence I was told there was a large fee for this than the amount currently owned. I feel I was steered away from help and forced to pay when I can not afford to pay at this time. I was out of work laid off for 7 months and still getting back on my feet. When I told navient this they told me the co signer needs to pay. The reps and managers are extremely rude, condescending and disrespectful. They do not try to help but force payment.
Consumer complaint received 2020-04-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I sent a dispute to Transunion on XX/XX/2020 and still have not heard anything back. While I understand that we have a pandemic going on the laws haven't changed and this is affecting my life. 

1. Transunion is reporting multiple errors on my report including : Account XXXX XXXX XXXX XXXXA XXXX is reporting the wrong balance 2. Transunion is reporting that XXXX XXXX XXXX XXXX owns this account but XXXX  is reporting this account is owned by XXXX XXXX XXXX. This is a direct violation. 2 companies reporting the same account and both with a balance. 
3. XXXX XXXX XXXX XXXX XXXX is a collection account reporting a balance which is a violation. 
4. The account numbers for this account is reporting as XXXX on TRANSUNION and reporting as XXXX-XXXXXXXXXX on XXXX. 

These are all violation and shows complete disrespect for my livelihood and total neglect in ensuring my report is accurate.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am submitting this complaint myself and there is no third party involved. Despite of the previous written requests, the following fraudulent items are still remains on my credit report in violation of Federal Law. The Three Credit Bureaus failed to comply with air Credit Reporting Act, Section 605b within the time set forth by law. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, which given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 dispute items do not belong to me. 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 Postal Inspection Service, 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. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-03-05
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. (OH)

I do not have an account or any knowledge of XXXX XXXX XXXX, ACCT # XXXX, and it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. This collection, by law, MUST be DELETED from my credit report immediately. 

I do not have an agreement or contract with this company, and am at will to sue. '
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Ive sent letters to all 3 credit bureaus telling them that there was a lot of incorrect information on my credit report. Any inaccurate information must be deleted. Theyre breaking the law by reporting inaccurate information on my credit report. Ive tried calling numerous times but that didnt change anything. There are multiple accounts on my credit report that are showing different opening dates and balances across the different bureaus.
Consumer complaint received 2017-09-18
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: NAVY FEDERAL CREDIT UNION (NC)

Here is the information provided by your organization regarding inquires : An inquiry refers to a request to look at your credit file, and it generally falls into one of two types : Hard inquiries. These are typically inquiries by lenders after you apply for credit. These inquiries will impact your credit score because most credit scoring models look at how recently and how frequently you apply for credit.
Soft inquiries. These are reviews of your credit file, including reviews of existing accounts by lenders, prescreening inquiries by prospective lenders, and your requests for your annual credit report. These will not change your credit score.
This is the definition of the two types of inquiries used consistently when researching about the impact of inquiries on credit scores. I am concerned that Navy Federal Credit Union does a hard inquiry on credit reports when changes are requested on existing accounts such as credit limit increases. This practice has a negative impact on credit scores for an extensive amount of time ( 2 years ) and is n't a fair practice for consumers. A credit limit increase is typically not considered a new application by most financial institutions and should not be viewed as such. Please review this practice.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2023-05-24
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: Mr. Cooper Group Inc. (NC)

Nationstar Mortgage LLC, d/b/a Mr. Coooper has negatively impacted my personal finances in addition to negatively impacting my credit scores without justification. This has caused substantial harm over the past decade and also negatively affected irreparable psychological and emotional harm as a result of their gross mishandling of my account with them or even negligent attention to correct misapplied payments and at time charging double while carrying over late fees over multiple years without applying payments to the principal. To this day the continue to miss report on my personal credit report a derogatory statement of late payments even though they have accepted payment in full, this comes after having successfully complete XXXX XXXX  Bankruptcy and the firm during that time having employees incessantly calling me for monthly payments after the program was completed.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Please see attached. The following accounts were already deleted by the other reporting agencies because they we unable to provide proof of verification. Experian is held liable to the same duties under the Fair Credit Reporting Act and should not act above the law by any means or I will seek litigation due to violations and injury willfully done by Experian.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (FL)

1. Never received first bill from Target.They are now trying to charge a late fee while i never received first bill AND they have messed up my account so i can not login to pay them with my same email ( seen here ) 2. Tried to cancel another store card with them which they refuse to cancel. still shows active in portal etc despite them saying its cancelled. Need this fully cancelled and need this done so i can use this account with my email for the new care ( see part 1 ). Semi related to above due to old card messing up the portal and keeping me from paying. 


Had one of their collectors call me the other day which is when i realized payment was even late. I knew i had one due and was hoping would fix these issues before then but now I need late payment removed and this fixed.
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I called national credit adjusters who has the debt now, I told them I never had that account, they said it was original a XXXX XXXX account, which I never herd of, they said it was opened in an email address I never herd of and then told me the money was sent to a XXXX account and again I told them I have never even had a XXXX  account, so they agreed it was not mine, so I have sent them everything I know how, and its still on my report
Consumer complaint received 2022-10-22
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. (TN)

In accordance with the XXXX XXXX XXXX  Account, XXXX 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
Consumer complaint received 2020-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NJ)

Cavalry sent a letter regarding a debt which i have no knowledge of, i submitted a letter via certified mail letting Cavalry know this debt isn't mine. They have continued reporting this account on my credit reports for months and its affecting my credit.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-11-30
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. (AZ)

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 Transunion to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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 am filing a complaint against TransUnion. I submitted a dispute asking that they verify an account as accurate. They claim to have completed the investigation but nothing changed. The inaccurate information is still reported and this is damaging to my ability to secure future credit. 

The account that was disputed was a XXXX XXXX  credit account # XXXX The account is inaccurate across the 3 bureaus in several areas : Date opened, Date Last Reported, and the ones that affect me are Date of Last Activity and Date of Last Payment.

How can there be such a gross difference between the reporting agencies if the account is VERIFIED as accurate.

I believe TransUnion is in violation of the FCRA and they have violated my rights as a consumer to have an accurate consumer report. Their investigation does not appear to be complete and they reported it as otherwise. They did not provide me any of there information that has been outlined under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ).

15 U.S.C. n1681 s-2 ( A ) ( 1 ) suggests that a PERSON ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency if the PERSON knows or has reasonable cause to believe that the account may be inaccurate. 

The information is completely inaccurate and I ask that the CFPB investigate on my behalf to help remedy this erroneous information. 

Thank you.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

The following accounts XXXXXXXX XXXX XXXX - ACCOUNT NUMBER XXXXXXXX XXXX XXXX  - ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX  - ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXX  - ACCOUNT NUMBER XXXX XXXX XXXX - - ACCOUNT NUMBER XXXX have been all DELETED from XXXX. The law say all credit Bureaus must report complete and accurate information. These accounts ARE NOT VALID AND should not still be reporting to Experian Or XXXX.
Consumer complaint received 2024-03-30
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. (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 ( 15 U.S.C. 1681i ), 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.