davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

Navient and XXXX XXXX have ruined my life, my credit everything. I cant afford XXXX/ month in payments to them. Ive deferred them for as long as I possibly could but all that did was destroy my credit. Now everything major I have to purchase such as a car or applying for a mortgage Im either flat out rejected or need a co-signer. These companies are predators whove ruined countless lives. Ive argued with them countless times, Ive filed complaints with the XXXX XXXX XXXX, and the Attorney Generals office for their harassment. They call at all hours ( XXXX XXXX  and XXXX XXXX EST ) on phone numbers they werent given, and call every day included Sundays. Ive attempted everything I could think of a part of taking out a personal loan to pay them off. I can not refinance my loans becauase I did not graduate because it got too expensive to finish, therefore I do not qualify for refinancing. This system is flawed and wrong and needs to be stopped. They are the cause for a bulk of my XXXX XXXX  issues because of how relentless and XXXX XXXX they are. Ive asked to speak with supervisors and managers and was laughed at and told it wont matter youre still XXXX. Ive asked them how it feels to have XXXX  on their hands because of the crippling debt they cause young people, some of whom I know have actually ended their life because of the amount of debt they are in. They did not care and seemed to think they played no role in the amounting debt.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-03-13
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. (NC)

This is not a duplicate complaint. This complaint is being submitted by XXXX XXXX, consumer and natural person. Please see attached identification. The following items listed on consumer report number XXXX, are a direct result of identity theft. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX FED XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX Please see attached identity theft report. You shall block the reporting of this information in the consumer file of XXXX XXXX, not later than four ( 4 ) business days after receiving this notice.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I made a purchase for a XXXX on a website that turned out to be fraudulent. The website was impersonating an actual XXXX XXXX. This was discussed on XXXX XXXX XXXX, and was the actual XXXX XXXX even posted on their website after the fraud was discovered. 

I disputed the charge with Citi, but they simply checked with XXXX ( the processor the fraud used ) who said the purchase was legitimate. There was a phony XXXX tracking number provided, which Citi used to verify the delivery. The XXXX XXXX XXXX clearly doesn't match the purchase and the picture of the product delivered is obviously not a XXXX based on size, or origin of shipment. Citi has denied the dispute.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft because I have been XXXX  for the last 10 years and it is no way I am opening accounts and leaving them delinquent if I am in XXXX Someone is taking advantage of my situation and I would like all negative/fraudulent accounts listed be removed from my consumer report per 15 US Code 1681c-2 Block of information resulting from identity theft. Also according to 15 US Code 1681e-Compliance procedures ( b ) Accuracy of Reports states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' They have not been reporting accurate information. Also, 15 US Code 1681b-Permissible Purpose of Consumer Report states that without my written permission no one has the right to report anything on my behalf and I NEVER gave these 3 companies written instructions. Please remove these items from my credit report.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

why do they keep take overdafte fee more than once it and they charger the customer for it when they dont have money and take more than should when it should be just little amount over what you get i want all my over dafter money back from them take from me
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft because I have been XXXX for the last 10 years and it is no way I am opening accounts and leaving them delinquent if I am in XXXX. Someone is taking advantage of my situation and I would like all negative/fraudulent accounts listed be removed from my consumer report per 15 US Code 1681c-2 Block of information resulting from identity theft. Also according to 15 US Code 1681e-Compliance procedures ( b ) Accuracy of Reports states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' They have not been reporting accurate information. Also, 15 US Code 1681b-Permissible Purpose of Consumer Report states that without my written permission no one has the right to report anything on my behalf and I NEVER gave these 3 companies written instructions. Please remove these items from my credit report.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I don't recognize these Hard Inquiries. I already contacted the credit bureaus on XX/XX/XXXX but I did not receive a decision. 

Delete Hard Inquiries XXXX - XXXX XXXX XXXX ( XX/XX/XXXX ) Delete Hard Inquiries TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

See attached As requested all documents have been provided please get this taken care of within 4 days as you are required to do by law XXXX XXXX XXXX XXXX XX/XX/1997 Address last 2 years XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2017-03-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Integrated Recovery Services (IA)

This loan is with XXXX originally. I had difficulty paying back in XX/XX/XXXX and was eventually able to pay back XXXX of XXXX balance by XXXX. But had trouble setting up arrangement and balance went to collection agency Integrated Recovery Services. In XX/XX/XXXX this agency contacted family and friends staying I had committed fraud and they were threatening to file criminal charges. Since XXXX I have paid back XXXX more but agency continues to call when I request correspondence only by email. Refuses to take payments by mail and did not charge debit card on two occasions. This is not a criminal matter but civil credit debt. Yet agency says they will keep charging to criminal court and threatened to raise costs.
Consumer complaint received 2022-12-21
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. (FL)

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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-21
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. (FL)

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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-21
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: Financial Business and Consumer Solutions. (GA)

My information is supposed to be private and this company violated my consumer laws. This debt was shared without my consent or knowledge.

15. U.S.C 1692C- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Sections 2- A consumer reporting agency can not furnish an account without my written instruction.

Violation of my privacy Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. 

for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title 15 U.S.C. 1681 Section 602 A
Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I opened my home loan in  XX/XX/XXXX , and it has been sold twice since then. The most recent owner of my home lone is DiTech Financial. Since Ditech took over my loan, they have LOST my payments TWICE and had to go deep into their system to retrieve my money.
NOW they have a new scam - they have diverted a portion of my payment to an " escrow '' account. I have NEVER made escrow payments through Ditech. I manage my property tax and insurance ON MY OWN and therefore have NEVER needed an escrow account on my mortgage. This is a NEW SCAM orchestrated by Ditech to steal money from me each month, hoping that I would not notice.
The illegal charge was made on my most recent payment on  XX/XX/XXXX , with an amount of {$100.00} being funneled into their backchannel " escrow '' account.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to address the matter concerning XXXX XXXX and XXXX XXXX. Enclosed, you will find XXXX XXXX 's rebuttal to the judgment submitted by XXXX XXXX. 

It has come to my attention that XXXX XXXX 's actions are not reflected in my credit report. Therefore, I request the dismissal of this correspondence and the case associated with it. 

Attached, please find a copy of my credit report and supporting documents for your reference. We firmly believe that XXXX XXXX XXXX response deserves thorough review and consideration by the relevant authorities. 

We trust that you will carefully examine the details of this case in an impartial manner. Should you require any additional information or clarification, please don't hesitate to contact me. Thank you for your attention to this matter.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of GA. However, I never received those cards before. I travel from state to state for my business, so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to XXXX, XXXX, and Transunion. It has been about few months now, but I see no changes in my credit report. As a business owner, I was planning to expand my business in other state this year, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

The bank said that I had the ability to have money transferred over to another account to offset overdraft. I was then somewhere trying to use my card and it would not allow me to use it. I did advise them that I had money in my savings account why not take the money from the savings account And put it in the checking account, they advised me youve already used it three times so weve close that account. Made it a checking account and youre unable to use it as a savings account anymore. I said wait a minute when were you going to advise me of this And I was informed that they didnt have to so they had been charging me overdraft fees and I had a large amount of money sitting in a savings account and they were just charging me overdraft fees, eating up my money because they only allow me to do it three times but no one ever informed me of that.
Consumer complaint received 2023-07-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

I have lost my job due to a plant closure. Comenity Bank called me XXXX times last week. They called this morning Sunday also this is harassment. Theyre texting me now I also received a text this morning. My phone and laptop have been hacked and I dont know who I am speaking to so I do not answer the calls. They never leave a message and just figured out that it was them calling me. I have all the calls logged on my phone. Im not trying to screw them out of anything I need to find a new job which isnt the easiest thing to do when youre XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These deals don't have a place on my credit report, and I have no relationship with XXXX XXXX XXXX XXXX XXXX. I rapidly request that they be normal out from my attestation report.
Consumer complaint received 2022-11-22
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: Experian Information Solutions Inc. (VA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-29
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: Experian Information Solutions Inc. (PA)

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.