davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CA)

I have an approved borrower defense case against the art institutes and I would like the navient school misconduct Private Loan discharge application. 
My federal student loan was just discharged based on an ED finding that XXXX  XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. Because of the pervasive and widespread nature of the misconduct by XXXX XXXX XXXX, ED has determined that it is appropriate to discharge the outstanding loans made to all students who enrolled at XXXX XXXX XXXX. My private loan for this school should be discharged and refunded.
Consumer complaint received 2022-10-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

Money was taking from my saving account with out my permission. It started since 2012. I sent my Bank XXXX to the CFPB. And they want my email : which is XXXX. but I send them this email, XXXX, both the same they are my 's. I can be reach at XXXX, if you need to reach me. " Please response '' XXXX XXXX.
Consumer complaint received 2023-11-06
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: EQUIFAX, INC. (SC)

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
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. (NJ)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items will be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (DC)

I've been in a battle with Wells Fargo since XX/XX/2022 over unauthorized transactions. I've made a fraud report and they denied it. They closed my online banking until the investigation was over and gave me a new debit card. I was told the reasons and I asked why was other charges that I never included in the report. Then they said they will look into it further. I've answered questions they have asked and participated fully. Since they haven't been help in a week I made a report to the office of the comptroller of the currency. They did their investigation and gave the same report. They said I have been using XXXX XXXX payments in the past. I told them I don't own a XXXX and never had. If they thoroughly looked at the history and my number they would've contacted XXXX ( btw I told them who I was under when asked ) and I know my number is linked to an XXXX. Then also told me I didn't have enough funds in the bank to get it back. So now I'm fighting to get my rent money back. Now they are telling me to prove I don't have an XXXX and to get info from the company. This has been a headache for a long time and I'm close to finding a lawyer if need be. That's {$2200.00} missing. It's nothing but more excuses.
Consumer complaint received 2022-10-25
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. (AR)

In accordance with the Fair Credit Reporting act XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  # XXXX, XXXX Acct # XXXX, XXXXXXXX XXXX Acct # XXXX, XXXX XXXX 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 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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 2022-10-25
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)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2017-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NC)

In going through my statements & escrow balance today, it shows that {$1000.00} was sent to my hazard insurance carrier on X/XX/17. The bill for my hazard insurance is {$700.00}. I went through all my statements and the only disbursement is the {$1000.00} - which is incorrect. I contacted Nationstar Mortgage but no one could tell me, or would tell me, why the information showing on my account online is incorrect or why there is no statement showing the that correct amount was paid to my hazard insurance carrier. I also can not see where the {$1000.00} was deposited back into my escrow account and where the {$700.00} was paid - I actually ca n't reconcile my escrow account at all ( it does n't help that there is usually more than one statement per month - very confusing ).

There are also disbursements out of my escrow account each month ( approx {$100.00} per month ) but no description of where that money is going.

No one at Nationstar will assist. I have called several times today and am constantly told that I ca n't talk to anyone who might have the answer. I do n't understand this at all.
Consumer complaint received 2023-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (VA)

This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communications with me in regard to the alleged debt, referenced above. Do not contact me or any third parties via telephone, email, or mail regarding collection of this alleged debt.

I formally dispute the validity of this alleged debt. To date, I never received due notice, of any alleged debt, or my right to dispute. Despite never receiving such notice, DRS has illegally reported an illegitimate collection account to my credit reports, causing insurmountable damage to my credit score. I was a victim of identity theft, and had DRS followed the law, and allowed me the opportunity to dispute, I would have responded within 30 days, and provided proof of the aforementioned. I have had a plethora of fraudulent accounts opened in my name, that I did not initiate. I do not owe this debt or any debt to DRS, LLC or to any third party DRS, LLC is stating to represent, nor did I have any knowledge of the alleged account. 

I am formally requesting DRS to immediately remove the fraudulent reporting information from my account. If the adverse information placed against my credit reports is not removed within 4 business days, appropriate legal action will be taken. Per FCRA and FDCPA, any account reported to the credit bureaus must be a verified account and collection activity, to include reporting to the credit bureaus, must cease. 

Thank you for your attention in this matter. 
XXXX XXXXXXXX XXXX
Consumer complaint received 2022-12-12
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX Account Number XXXX Account name XXXX XXXX Account Number XXXX Account name XXXX XXXX  Account Number 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 whiten instructions
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (NY)

My school refund in the amount of {$1600.00} what is released to American Express Bluebird for direct deposit and should have posted to my account today XX/XX/2018, yet it has not posted, and when you try to call the bluebird customer service number on the back of the debit card there is no option to reach a representative, the only way to reach a customer service rep is to choose the option of reporting the card lost damaged or stolen, then after choosing that option it transfers you to a line that has a busy signal that hangs up on you completely disconnecting you from their line leaving customers unable to reach a representative.
Consumer complaint received 2022-10-25
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602.A I have rights to privacy.

15 U.S.C 1681 section 604.Ait also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section 2 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 2022-10-25
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602.A I have rights to privacy.

15 U.S.C 1681 section 604.Ait also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section 2 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 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-12
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MA)

On XX/XX/XXXX, my bank electronically transferred {$1200.00} ( slightly more than 2 months payment as I had missed one month ) to Nationstar Mortgage. My loan was sold to them by XXXX in XX/XX/XXXX. On XX/XX/XXXX, I received a Notice that I was in default by something called XXXX XXXX. When I called and attempted to speak to someone at XXXX XXXX, the recording indicated that Nationstar was now XXXX XXXX. When I got through to XXXX XXXX by e-mail, I had to set up an account and it shows that I owe {$1100.00}. This is incorrect. In fact, I paid slightly more than that as proved by my bank 's confirmation # XXXX, delivered XX/XX/XXXX. The person that I finally got through to ( after 7 calls and hours of wait time ) told me I had to take out a credit report. This incorrect information is threatening my credit line and XXXX XXXX 's failure to properly credit my account could expose me to foreclosure. I want XXXX XXXX to correct its ' information. Further, I 've not received a bill for my next payment nor, in fact, any notice that XXXX XXXX is the proper party to pay.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (OR)

I have had loans put in my name in the amount of XXXX and XXXX i have no knowledge of it as well there has been auto leases out in my name i dont even have a license and home loans which i rent and never have had any of this i am just wanting ti talk to someone about it identity theft i see several names close to mine on my credit report and i have been trying so hard to get my score up and be on good terms i should only have a student loan and credit card These are not me see attached documents
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate and incomplete Information on Credit Report : Account Details : 1. 
Account XXXX XXXX XXXX Account number : XXXX XXXX. 
Acount XXXX XXXX XXXX Account XXXX : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy and completeness of the information that XXXX has reported on my credit file. I have recently reviewed my credit report, and l have found that there are several accounts, specifically the XXXX XXXX XXXX and XXXX XXXX XXXX which are currently in charge off status, that contain erroneous and incomplete information. lam exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request an immediate investigation and correction of these inaccuracies.Firstly, Account XXXX XXXX XXXX  Account number : XXXX and Acount XXXX XXXX XXXX  Account XXXX : XXXX, | assert that the information reported is inaccurate. I have not had any association with either of the accounts listed above. 

There seems to be a case of mistaken identity as I have never applied for, used, or held these accounts. I kindly request that you rectify this error by removing this account from my credit report. 

As per my rights under the FORA, I am entitled to an investigation of these disputed items.| request that you conduct a thorough investigation into each account mentioned above and provide me with a detailed explanation of the results within 30 clays. 
I would like to bring to your attention a relevant legal case where XXXX an was sued tor violating consumers rights under the FCRA. The case of Smith v. XXXX ( XXXX XXXX. 
XXXX ) is particularly pertinent to my situation. In this case, XXXX was found to have Inaccurately reported a consumer 's credit information, resulting in severe financial consequences for the individual. I believe my case shares similarities with this precedent, and l expect a fair and thorough investigation of my dispute. 
Enclosed are relevant documents and proof to support my dispute. lam willing to cooperate further and provide any additional information you may require.

Furthermore, I will be copying this letter and all relevant documentation to the Consumer Financial Protection Bureau ( CFP8 ) and my state 's Altorney General Office. It is my intention to bring attention to this matter and ensure that my consumer rights are protected and upheld.

Please promptly investigate and address this dispute to avold any further consequences. I expect a timely response to this matter. You may reach me at ( XXXX ) or ( XXXX ) for any clarifications or updates. 
Thank you for your attention to this matter. I look forward to resolving this dispute promptly. 

Thanks
Consumer complaint received 2022-10-25
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: Upstart Holdings, Inc. (NY)

I was informed last week wednesday to pay XXXX I went ahead and paid the XXXX on XX/XX/20 before any reporting however I was informed today that I was supposed to pay XXXX and no one has advised me of this and this has been nothing but a headache and confusion I had XXXX  this company lied and charged me fees and now I have credit reports 30 days late and my account has been sent to some agency and im not aware of this I am asking for an fix asap my credit is affected and this to be fixed and to speak with the agent who did not advise me to pay XXXX.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/XXXX I called Comenity-XXXX XXXX XXXX  XXXX and paid my balance due of {$180.00} At that time I repeatedly told the call taker that I was canceling the credit card associated with this account. The call taker was extremely rude. I just received a bill for {$2.00} from this company. I called today and was informed it is residual interest and the card had not been canceled. I repeatedly told the agent on XX/XX/XXXX that I wanted the account closed. We immediately destroyed the XXXX cards associated with this account. I called today to find out why I was getting a bill for {$2.00}. I was informed the account was not closed and the {$2.00} is residual interest and it is due on XX/XX/XXXX and if it was not paid additional fees could be added to the balance. I refuse to pay any money for a account that I repeatedly asked to be closed and paid my balance off. Money is being sought from me because a employee failed to do their job properly. We had this account for over XXXX years.