davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-08
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. (MD)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. US DEPT ED XXXX Balance Owed : {$7900.00}
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$1800.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$1400.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-11-24
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. (AZ)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX & XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX 'S XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, have 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 an account without my written instructions.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Please be advised that this is my SECOND WRITTEN REQUEST asking to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). It is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. The company was not willing and able to produce any documentation that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Nor did someone within your company provided authenticated documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

The follow accounts are as follows : Name of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Name of Account : XXXX XXXX XXXX XXXX  Account Number : XXXX Name of Account : XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2017-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

There have been many issues of the company consistently applying the payments to the wrong loan. No matter how many times they are told to apply it to a specific page they apply it to the wrong one. Which in turn shows me to be late and affects my credit. Thankfully I have them email the confirmation number so I can keep track of payments made. The company seems to be held unaccountable for their mistakes and continue to neglect the customer. I am personally fed up with them. This has happened for the last couple of years and They always try to get me to go into forebearance. Instead of solving the problem they put it off and still want to capitalize on interest.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$160.00}
Consumer complaint received 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (VA)

I tried numerous times from XXXX to XX/XX/2023 to speak to a customer representative so that I can reenroll in the XXXX and to enroll in XXXX. I gave their automatic questioning system my information ; they transfer me to the customer representative department, but I get no answer. After holding the phone for more than an hour, it cuts off. This happened numerous times, I tried to log into my account, an error message says that it can not recognize my email, Therefore, I can not access nor reset my password to enter my account. Customer Representatives do not answer me their student loan client to give me assistance and information.
Consumer complaint received 2023-09-08
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. (NY)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the recent rejection of my request to block fraudulent accounts that have been created under my name due to identity theft. I would like to appeal this decision and demand that these fraudulent accounts be promptly deleted to prevent any further damage to my financial and personal well-being. XXXX  XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-09-08
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: WELLS FARGO & COMPANY (CA)

I have carefully reviewed my credit report in 3 BUREAUS. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX, XXXX - XXXXXXXX XXXX XXXXXXXX and WELLS FARGO BANK XXXX
Consumer complaint received 2023-09-08
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: JPMORGAN CHASE & CO. (CA)

I have carefully reviewed my credit report in 3 BUREAUS. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-10
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. (AL)

I submitted a complaint last XX/XX/2023 and the companies involved responded. Some got deleted but there's a lot of fraudulent items that are still reporting on my credit report. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/2023 : I made a call to Capital One on XX/XX/, in which I inquired about the restriction placed on my account and the subsequent adverse impact on my credit score.

During the call I expressed my concern about the restriction placed on my Capital One account. First they stated it was a fraud alert on the account that I was 1 never made aware of and two I never had anything fraudulent occur during the time these accounts have been open. 

The representative acknowledged that there had been an issue and clarified that my account I was using to make payments was classified as a non-transactional account, which may have contributed to the confusion. Despite the account being in good standing historically, the representative mentioned that they would not be able to reopen the account due to it not being in good standing today. 

While I understand the classification of my account, I would like to emphasize that my intention has always been to maintain my account in good standing and promptly address any outstanding balances. The late payment was an unfortunate result of an external factor, and I sincerely apologize for any inconvenience it may have caused. 

Maintaining a positive credit history is of utmost importance to me, and I believe that reopening the account would help me continue to do so.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CO)

I received a letter from XXXX XXXX on XX/XX/2023 showing a denial for a credit card that I did not apply for. I also received a hard inquiry on my credit report. I spoke with Experian who placed a fraud alert on my account. I am currently on the phone with XXXX XXXX to alert them as well.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I called Bank of America to lower my Interest Charged. they say no because they do not have any offers. For almost years every month I pay almost XXXX just on Interest Charged. 
Also, I called t credit counseling services, they do not a fair program I want to pay for debt.
Consumer complaint received 2023-09-08
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. (MI)

Dear Sir/Madam, I am writing to request the immediate removal of credit accounts associated with XXXX XXXX  account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX XXXX  to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I am a victim of the bank of america mortgage fraud. This resulted in the loss of my home. It was paid off. Bank of America created fake documents and foreclosed and took my home.In fraud. I would like to apply for the CFPB help funds for victims of losses. I have all documents proving this.I even worked with the Attorney Generals office her in Minnesota. We thought everything was resolved then boom Im in the street.I tried everything in my power to stop it. I applied for court hearing in Minnesota. The judge refused me my day in court do to not having a lawyer. I contacted Minnesota property records. I was told from them I had nothing to worry about, The only ones on the title and deed were XXXX XXXX ( self ) XXXX XXXX ( co-owner ) and XXXX XXXX XXXX XXXX XXXX ( second mortgage ). Now they took my home never paid of the second mortgage but removed there name from the title and deed through fraud. I was put into the street in XXXXBeen homeless ever sense. I am on XXXX so cant afford to buy a new home my home was paid off. There were no legal documents filed with the court system like required by the state of Minnesota. There were no documents entered show there right to foreclose. The court system refused me my right to legal actions. Bank of America took my home to fraud. I am asking to be entered into the Bank of America settlement. They took everything I owned. I was given the clothes on my back and that was it. There was no notice to vacate my property the sheriff kicked in my door and put me to the streets. Leaving me no choice but to move to Florida and leave all my family.This forecloser has turned my life upside down. Do to this I ask that you honor me a settlement for all my losses. Again I have every document sent and received showing proof.I said I would keep researching until I get back what they took from me. Thank-you for your help!! XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX