davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I have been a   college student   since   XX/XX/XXXX . I attended a private college until  XX/XX/XXXX , and then in  XX/XX/XXXX   I started attending public universities- First was  XXXX  University  XXXX  There I received federal subsidized and unsubsidized loans without any problems. I beg an      XXXX   XXXX   at  XXXX   XXXX  University in   XX/XX/XXXX , a nd received  XXXX  PLUS loans unt il  XX/XX/XXXX . Aga in, no problems. For the past 2 years I have been attending     XXXX   XXXX     at  XXXX  University, and continued to receive  XXXX  PLUS loans with no problems.. UNTIL my servicer got switched to Navient. As soon as my loans got transferred from  XXXX   XXXX  to Navient, my financial aid was cut off, and loans immediately went into repayment. Navient claims that  XXXX  University borrowed too much money for me in   XX/XX/XXXX ,  and I have to consolidate my loans and begin repayment immediately. I am poor. I am  XXXX . I am a former   XXXX   XXXX   XXXX  . I do not have an income besides small  XXXX  payments  ( social security ). I do not have a family to fall ba ck on. I survive on my   XXXX    PLUS loans which pay for my cost of living. I was never given any notification, phone call, or email informing me there are any problem. I am about to be evicted, and I will be homeless on  the street in 1 w eek because of this problem Navient claims that no other servicer or university claimed. I am about to lose everything as a result of this claim  Navient  is making which there is no evidence of anywhere. Additionally, I am still enrolled in school full-time. Yet they have still put my loans into repayment. After doing some research, I have found Navient is being sued by th e U.S  XXXX  Consumer Financial Protection Bureau for doing similar things to other consumers. Add my story to the list of evidence against them. If you know how I can get help, please let me know.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Northern Trust Company, The ()

I have opened an International Bank account with " Northern Trust Financial Private Bank, Branch in India ( Account No. XXXX ) as I needed to receive funds from a USA based Company against the products supplied by me/my company. 
It was fine I have opened the bank account and thereafter the Bank insisted me to pay the following fee, towards transfer of funds from the account to my local bank in India : - i ) For opening the Bank account I paid $ XXXX XXXX ) For want of RTN Code I paid XXXX XXXX XXXX  ) for want of Conversion I paid XXXX XXXXXXXX TOTAL I paid $ XXXX XXXX paid all the amount {$18000.00} equal to Indian Rupees XXXX LAKHS XXXX XXXX XXXX only to have access to transfer the funds from my this account to the local bank account in India. But now again I have been asked by the Bank to pay a fee of {$3500.00} so that I will be provided with COT Code to transfer funds. 
As it can be seen above, I have already spent around XXXX LAKHS only for the sake of getting permissions to transfer my funds to my own account in India and NOW I DO NOT HAVE MONEY TO PAY {$3500.00} for the same purpose for which I already have paid almost XXXX LAKH INDIAN RUPEES. 
Hence, having sufficient balance in my newly opened International Bank account, as sole owner of the Bank account XXXX in the International Bank , I authorized the Bank to deduct the Local Bank Transfer Charges of {$3500.00} from my bank account and I requested them to provide me the COT Code so that I can make Local bank Transfer. 
But the Bank did not allow me and they are repeatedly insisting me to deposit {$3500.00} to get the COT Code, whereas I am expressing to them my inability to arrange the amount as I have already expended XXXX LAKH RUPEES and also I kept submitting that I have sufficient balance in the said International Bank account.

Till date i.e even after elapse of more than one month from the date of opening the account I have not been provided access to my own account and they are every time asking me to deposit huge amounts to get an access to my own account. So far I have for this purpose paid to the bank {$18000.00} USD equal to Indian Rupees XXXX  Lakhs and even then the Bank is not satisfied and still they are demanding for more money to be paid to allow me to access my own account. 
I have also requested the same through emails to the Bank for help but they are not responding. 
Please enquire into this and do the justice to me whether this much amount shall be the charge that any bank impose on any customer to get access to own accounts. 
Thanks and regards
Consumer complaint received 2023-02-22
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)

XXXX accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Relative to complaint # XXXX SUBMITTED ON XX/XX/2023 Relating to Bank of America sending my monies to an erroneous address on my Checking account. 
I have receive my XXXX monies in XXXX but Babk of America has not addressed the lack of security nor the late fees I was charged for rent subsequent to the administrative error on behalf of Bank of America. The bank error cost me financial damages which I addresssed in my initial complaint. But due to the BoA error. I was charged an additional {$270.00} per month in late fees because of the retention and mishandling of my wages. My expectation is that I be compensated for the late fees incurred from Bank of Americas negligence. For the months of XXXX, XXXX, XXXX and XXXX, I would like those monies reimbursed for the bank error in addition to my withheld funds. If my monies were sent to me at the proper mailing address, I would not have incurred the late fees.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have filed numerous disputes with Transunion regarding 2 bankruptcies that are being reported fraudulently I have filed FTC reports for Identity theft, I have reached out to XXXX XXXX & Pacer. XXXX XXXX has removed the information & files dispute with XXXX reporting agency. You can not keep reporting fraudulently information that has been deemed fraud by identity theft. My ss #, name, was stolen & used. By the FCRA it has to moved immediately.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Terrill Outsourcing Group (NJ)

They called me today XX/XX/2022 Was harassing nasty screaming at me and call me names. They claim that they are trying to collect a debt for XXXX. A furniture company who does not respond to disputes and letters to such. It has been over 5 years that I have sent them letters and calls that I received wrong items. I kept getting the wrong items and they just stopped communicating. I then went a head and wrote more letters as to the defective and poor quality of product sent. Still no answer. They wrote collection bureau and put me on a charge off. I tried reaching out again and was told I received the right order and they never received any of my letters which I have sent them copies. Now this collection agency Superlative RM calls asking me questions I told them I dont owe anything as I sent letters and disputes to their client and never got one answer. They called me a liar, that XXXX  would not send them the file for collection if I didnt owe money. They further stated that they want to sue me and freeze my account. They had given me all wrong information and did have proper address telephone number refused to give me an amount owed when I asked them where they are located they refused to answer me. When I told them to stop calling me they said they would keep calling because I owe ment I mentioned to them they are violating the fair credit act they said big deal. I told them I have proof of XXXX  violating my rights under the fair credit act they said tough. I am a dead beat and a liar. And they will keep calling me. I again told them to stop harassing me as they and their client have violated the law. I want to sue both of them and to stop collection as the creditor never responded to my numerous letters which I sent and also since they never the creditor responded in the appropriate amount of time they are guilty of violating the fair credit act. I owe nothing had to purchase from another company the items. This company is fraud never received any letter from creditor that account was going to collection or sold.
Consumer complaint received 2023-08-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) and other related laws, which have significantly impacted my financial well-being and peace of mind. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you will enforce the legal protections afforded to consumers like me. 

These violations have been carried out by multiple creditors and have resulted in severe damage to my credit profile. The consequences have been far-reaching, affecting my ability to secure loans, housing, and even employment opportunities. I understand that the purpose of the FCRA is to ensure fair and accurate credit reporting, and I implore the CFPB to ensure that these laws are enforced to protect individuals like me from unjust treatment. 

The violations I am disputing are as follows : 1. Unauthorized Inquiries : - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) 2. Inaccurate Reporting and Unverified Accounts : - XXXX XXXX  ( Account Number : XXXX ) - XXXX ( Account Number : XXXX ) - XXXX  XXXX ( Account Number : XXXX ) - XXXX ( Account Number : XXXX ) - XXXX ( Account Number : XXXX ) - XXXX XXXX XXXX ( Account Number : XXXX ) - XXXX XXXX XXXX ( Account Number : XXXX ) Furthermore, incorrect personal information has been reported, including incorrect previous addresses. 

The emotional toll this situation has taken on me can not be overstated. The constant stress and XXXX  of being unfairly judged based on inaccurate and unverified information have caused sleepless nights and a constant feeling of hopelessness. I have even lost out on job opportunities due to the tarnished credit profile that these violations have created. 

I kindly request that the CFPB thoroughly investigate these violations and enforce the necessary actions against the involved creditors. Specifically, I demand that the unverified accounts mentioned above be removed from my credit report as they are damaging my financial credibility without proper validation. 

I am confident in the CFPB 's commitment to consumer protection and fair credit reporting, and I am hopeful that your intervention will provide the justice I deserve. 

Thank you for your attention to this matter. I have enclosed copies of relevant documentation to support my claims. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information. 

Sincerely, XXXX XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXXXXXX 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 without my written instructions. 

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 of information, other than records of convictions of crimes 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 the information is inaccurate.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im filing this complaint against experian ti remove and delete XXXX XXXX, this account is fraudulent, im attaching a police report and a copy of a ftc identity theft report to this complaint, im tired of experian ignoring my complaint and has not responded by taking this account off my credit report I will use this opportunity to sue experian is this account after providing a police report that I have filed showing Im a victim of identity fraud, because my information was leaked on the dark web by XXXX XXXX and my information was compromised, this has been failure and I have hired a lawyer if this complaint and my request are ignored this lawyer will file a law suite against XXXX XXXX and experian, experian has failed even through the pandemic my complaints was not taking serious and my rights under the fair credit reporting act were violated, I will use this complaint in my law suite to file against experian if this complaint goes in noticed and does not fix this issue, I have tried to work many of times and now Im not sitting back and letting experian protect XXXX XXXX anymore, they have committed fraud by using my information illegally to obtain this account in my name and has refused to take off my credit, that account is paid in full, but it is not my account now take this account off my credit and block it, my last request and CFPB, experian needs to be investigated for ignoring consumers that provide substantial evidence of identity theft as I have many of times and I have turn over the amount of evidence and times I have reported this to the CFPB XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX I have notified attorney to enforce my rights, this lawyer will file suite if my complaint goes unnoticed or is not taking serious, Including XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please delete these accounts also they were open fraudulently in my name take this complaint very serious as my rights have been violated and this has caused serious damage to my credit.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$250000.00}
Consumer complaint received 2024-04-02
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. (SC)

XXXX XXXX XXXX  has three instances of late payments on my credit report. Despite making a payment in XX/XX/XXXX, it was reported as 30 days late in XXXX XXXX. Another payment made in XX/XX/XXXX was reported as 30 days late in XX/XX/XXXX, and a payment in XX/XX/XXXX was reported as late in XXXX XXXX. According to the law, creditors must report accurate information. I demand that the information be updated to reflect that the payments were made on time.
Consumer complaint received 2023-08-18
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. (IA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
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. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2021-03-21
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 have attempted to dispute the claim for XXXX XXXX XXXX. It is listed on my credit report without an original creditor and it lists terms. I did not have contract with this company and I have not been provided documentation showing how I owe this company. It is reporting a past due amount in which I found out is a violation of the metro 2 standard reporting due to this and no original creditor. No other information has been provided about this company. I have sent a letter once and another response to their updated response twice.
Consumer complaint received 2023-09-05
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. (LA)

I, XXXX XXXX XXXX XXXX, have been a victim of identity theft. I have attached my FTC Report and the Louisiana DMV Data Breech that made global news and impacted me as a Louisiana resident. I don't have an account with the companies mentioned, these are a result of identity theft, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inaccurately reporting on my credit profile.