davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I am not able to give exact dates or names. I have been having housing issues as a tenant at a residence from XX/XX/XXXX until XX/XX/XXXX at which time I was purposely evicted. I am still not able to find a place to live because of intentionally filed eviction against me. To add to that entry into my credit file, Navient had and continues to still have negative entries of non payment added to my credit file and that is done in a monthly basis. There are no hardship forgiveness nor any other options for people such as myself who are without housing or who are having such an economic issue like or similar to mine. The only option they have is to repay a student loan no matter is it will make you become deeper into a living hardship while still living without a place and homeless. 
The late fee and rates are even worse. All of that hurts me more. 
Please add me to the class action lawsuit against Navient. 
Thank you.
Consumer complaint received 2017-07-09
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)

I had closed a rental account XXXX XXXX on XX/XX/XXXX the company report on XX/XX/XXXX the account is still open, I contact them on that day and the correction was made and reported on XX/XX/XXXX. I contact XXXX and Transunion about the matter to dispute the error, to the day Transunion have not send my a report they actually got the removal alert and removed the account later to replace it. On XX/XX/XXXX the account and inquires was removed to only reappear on XX/XX/XXXX also the exact same thing with XXXX. On XX/XX/XXXX I contact XXXX about some many types of errors that was accurring on my report from inquires that have been removed then back on to accounts closed and removed to reappear, address that I never seen nor lived, my name being removed and added back. As a victim of ID theft I have lost so much faith in the credit reporting XXXX, Transunion and XXXX are crocked and scamming great americans how they are reporting, they make you believe its the company reporting I go after the lender first before even contacting them, I been fighting with thes BIG BOSSES for over three months and have gotten no where, next thing coming is to take my saving a hire a lawyer.
Consumer complaint received 2023-02-14
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. (TX)

I sent a letter last month to the credit reporting agencies regarding an account on my credit report. They are reporting that I was late, but I was never late. I have asked for validation and was never sent any historical data. I am asking for Experian, XXXX, and XXXX to fix this inaccurate information they are reporting to the credit reporting agencies. Their error is causing me extreme distress. The data furnished is different between all 3 bureaus and this is a violation of the FCRA because all data furnished should be the same. They are reporting that I was 120 days late in XXXX while the other is reporting XXXX. How is this accurate? You are also reporting 120 days, but nowhere in the payment history is it recorded that I was late 30 days which is the first violation. If I was late, you think a company will skip over 30, 60, 90 days and just report 120 days? I am liable for compensation for false reporting, but at this time I am only asking for the late payment to be rescinded. I do expect a response within 15 days since it has been well over 30 days since my letter to this company. Please see the inconsistent credit report. I will attach my credit report to show the inconsistency.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I submitted a letter in reference to incorrect personal information in my credit profile that has never been associated with me, yet they still are reporting this information. I attached my driver 's license as proof. 


This is the only personal information that should be on my report. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX New Jersey XXXX It is unlawful to report information on a consumer report.
Consumer complaint received 2022-11-05
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)

I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted to the Credit Bureaus last XX/XX/2022. I discovered that some of the information being reported by some accounts on my credit report are incorrect when I reviewed it. The FCRA 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX  Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX These accounts are reporting erroneous information and I want the Credit Bureaus to correct these accounts.
Consumer complaint received 2022-11-05
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. (MD)

I have contacted XXXX XXXX XXXX several times as well as all 3 major credit reporting agencies they failed to remove this information of reporting late payments XX/XX/XXXX Transunion and XXXX reporting 30 day late payments XX/XX/XXXX both companies are reporting 60 days late, XX/XX/XXXX Transunion XXXX reporting 60 days late XXXX reporting 30 days late, XX/XX/XXXX Transunion and XXXX reporting 30 days late. 
I recently received my credit report and noticed inaccuraies account # XXXX XXXX  XXXX  According to the F air Credit Act section 611 ( 5 ) ( A ) you required to prompt ly delete all information that is inaccurate, It is also that under FCRA15 U.S.C 1681 ALL derogatory accounts must be promptly removed. 
I AM NOW ENACTING MY CONSUMER AND CIVIKL RIGHTS TO COMPEL YOU TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY REMARKS.
Consumer complaint received 2023-05-29
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. (LA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-17
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, il XXXX Please update my name to XXXX XXXX XXXX and remove names listed below XXXX, XXXX XXXX, XXXX XXXX, XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$440.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX
Consumer complaint received 2024-03-23
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. (NV)

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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-05
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX WY XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$84.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-29
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-03-12
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: CITIBANK, N.A. (MA)

On XX/XX/XXXX my credit report is showing inquiries from CBNA company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company - CBNA Date of Inquiry Type of Business XX/XX/XXXX CBNA XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Consumer complaint received 2017-07-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has been charging me overdrawn fees for the last 4-5 years for at least 50 times during this period. I have two checking accounts and the same issue I have had with both accounts. You call customer service and they say they are legals fees associated with these accounts. They charge {$35.00} for each transaction and if you do n't fund you account in the next five days they charge you again another {$35.00} for each transaction. I have been a victim from Bank of America for this practice for the last 4-5 year.
Consumer complaint received 2023-04-16
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-29
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. (WY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (MI)

My current mortgage holder Nationstar d.b.a. Mr. Cooper posted a late payment over 30 days to my credit report for XX/XX/XXXX. I spoke with an account supervisor from Nationstar d.b.a. Mr. Cooper named XXXX and she assured me that while my XX/XX/XXXX payment did post as late, it was not over 30 days late and should not have been posted to my credit report. This is the second time that this company has posted false information to my credit report.
Consumer complaint received 2022-11-04
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)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Reporting negative Information on my report. 
Says I have an open account this is false. 
Is accessing my personal information without consent. 
Negative information Reporting to extort payments. 
Never done business with company. 
Never gave consent for company to use my personal information. 
Never gave consent for company to report negative information. 
In collusion with alleged original creditor to extort payments.
Consumer complaint received 2018-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I have many issues with this collection agency. 
Problem # 1 My husband and I had a medical hardship and fell behind on our bills. Once back on our feet we filed a Wisconsin XXXX amortization and paid all of our debts in full. After the plan was complete PRA group stated that we over paid on two of our accounts ending in XXXX and XXXX. They sent us two refund checks. One for XXXX and one for XXXX. We deposited the two checks in our account and about a week later we found out that the company put a stop payment on both of them which resulted in us owing bank fees. Now they have sent us two more checks for the same exact amount and I am afraid to cash them since the last two bounced. 
Problem # 2- My husband recently received a notice stating that his " XXXX/XXXX '' account was paid in full. We never had a XXXX account. This leads me to believe that we unknowingly paid off someone else 's debt for them. We asked a customer service representative about this debt and she said it was for a XXXX card but gave us no other information. 
Problem # 3 This agency refuses to report my XXXX judgment as paid to the Wisconsin Court system as they say they have no record of the XXXX plan being filed and satisfied. I filed a complaint with your agency about this issue recently. Considering this company actually owes me money I think that this in itself should prove that this old debt is paid in full.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (HI)

Wells fargo has been charging me fees for monthly services for not having over {$500.00} in my daily balance when I have it in my savings balance. They charge me {$10.00} every time I dont have {$500.00}
Consumer complaint received 2023-05-05
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. (MO)

In Accordance with the Fair Credit Reporting act. The List of account below has violated my federally l protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 with out my written instruction 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, other than records of conviction of a crime which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (AZ)

I had a chime account a couple of years ago ... and I received an email that I failed to follow requirements so my account was closed. Then a couple years later I tried to re open account and I couldn't they said I needed to speak to the fraud dept. Then when I talk to them they say we are not aloud to tell you why but it is not able.to be re opened. And you can only have 1 chime account ever.
Consumer complaint received 2018-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery Assoc ( account # XXXX/XXXX/XXXX/XXXX/ Im the amount of $ XXXX/ $ XXXX/ {$440.00} ) is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA
Consumer complaint received 2024-03-23
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX : {$8500.00}
Consumer complaint received 2023-03-16
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. (PA)

Since XXXX my score was XXXX. In XXXX I contacted the 3 credit reporting agencies to get my score. XXXX was the only one that didn't charge. Experian and XXXX wanted to charge a fee. After I contacted them, suddenly my credit score began to drop from XXXX ( the highest possible ) to XXXX. There is nothing negative about my credit so I can't understand why the big drop. The agencies are no help ( if you can get a live person ). It seems like these agencies can make up any score they want with no explanation. Since credit is so important in our society, these agencies should be under tight control/supervision/monitoring. I'm also beginning to suspect there may be a racial component here such as targeting minorities by lowering their credit scores so lenders can charge high interest rates. This kind of thing has happened all too often in the past. 
Thanks for taking my complaint. 
XXXX XXXX XXXX