davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

Navient makes it difficult to apply for forbearance. Asked several times for the application to apply for forbearance and was told I would receive it in my email but never did. Furthermore, they call approximately XXXX times a day looking for payment when I already told them I'm looking for forbearance.
Consumer complaint received 2023-01-16
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-16
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 the below have have violated my rights. 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. Account name XXXX XXXX Account number XXXX I have never been late on this account is needs to be updated to Paid as agreed
Consumer complaint received 2022-10-03
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. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 13. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2023-05-13
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. (GA)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent items on my credit report and have yet to receive anything back in over 45 days for these accounts that are clearly fraudulent accounts. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These credit bureaus are not abiding by the law and taking advantage of consumers and this has caused me to not be able to purchase a home for me and my family along with higher Interest rates. The most recent certified letter I sent was XX/XX/2023. 

XXXX  Account # XXXX & XXXX XXXXXXXX has violated my rights. 


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.

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 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit card is with bank of America visa, as of recent my credit card balance was reduced from XXXX to XXXX despite making monthly payments. with bank of America ive also had large sums of money go missing from my checking account.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hi, I just want to put Bank of America on notice. Here 's the message I received in my email on XXXX. List below. 
^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ Your new account is open Great news! The following account ( s ) are open : Bank of America XXXX XXXX Banking Account # : XXXX You can also view your account number ( s ) in the mobile app. 
Make your first deposit Go to the app to fund your account Do more with Mobile or Online Banking Once you have your account or card number, it's easy to get set up and manage money on the go. 
Get the app : ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ Then other email asking me to verify my email address. I refused to verify my email. l called XXXX XXXX who monitor my credit and I explained to them I did not open this account. I was asked many questions and one question " Did I ever have an account with BOA? '' I said no, but in retrospect, I had an auto loan, years ago in the early 2000 '' s. I was advised to freeze my account and XXXX rep will call BOA to get this resolved. Fast forward, I received XXXX letters for BOA dated XXXX. The account was closed because my identity could not be verified. I observe these letters and this information is very old because I put systems in place over 15 years to minimize fraud or identity theft. 1. I opt-out solicitation infinitely. The name and address on this letter is old information. I don't know if this was internally done but my old information should be purged in their system. I saw this in the news about account being open without permission and other bank. Maybe this is coincidental. Just saying! 

Not looking for a resolution but someone need to look to this again regarding banks including BOA opening account without customer 's permission!
Consumer complaint received 2023-01-16
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. (PA)

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 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VW Credit, Inc (CA)

VW CREDIT is illegally furnishing my sensitive, private, non public personal information to consumer reporting agencies and mismanaging my security- securities fraud- which is a violation of federal law and of the SECURITIES EXCHANGE COMMISSION ( SEC ). I sent VW CREDIT a letter that arrived at their offices on XX/XX/2024 ( SEE ATTACHMENTS BELOW FOR PROOF OF MAILING AND NONCOMPLIANCE ) exercising my right to opt of the sharing of my non public personal information pursuant to the the XXXX XXXX XXXX XXXX 15 USC 6802 AND a request for LATE PAYMENT MAILING PROOF under 15 USC 1666b-timing of payments of such TRANSACTION HISTORY- this request was completely ignored and stalled with the attached letter below stating nothing to do with my opt out request or proof of mailed disclosure of the alleged late payments. THE LAW STATES if a consumer exercises their right under the XXXX XXXX XXXX XXXX to opt out of the sharing of their non public personal information from being shared to any non affiliated third parties which includes consumer reporting agencies they must comply within a " reasonable time frame ''. They received my letter XX/XX/2024, ( SEE PROOF ATTACHED ) today is XX/XX/2024. It has been over 30 days since delivery, they are now ILLEGALLY furnishing my sensitive personal information. I'm submitting a TCR complaint.
Consumer complaint received 2023-01-16
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. (MA)

On XX/XX/2022 I contacted TransUnion about the following negative accounts ( list the accounts ) Its been over 45 days and TransUnionCOLLECTION ( Account number XXXX, Date opened XXXX XXXX, 2022, Balance {$2600.00}, Original creditor COLLECTION ). havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifies asinformation that resulted from alleged identity theft, not later than 4 business days after the date ofreceipt.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (TX)

XXXX, XXXX and Equifax continue to send letters stating it is not me trying to validate the debt on my credit file. I have sent notification that indeed it is me ask for validation of such debt. Therefore the agencies are not doing their jobs in verifying the information and continuing to allow false information to remain on my credit file.
Consumer complaint received 2023-01-16
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and correct them immediately in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-16
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. (VA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-24
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. (GA)

I filed a complaint with CFPB after discovering that I was a victim of credit fraud when I realized the incorrect data on my credit report which consisted of fraudulent accounts, charges and inquiries and as a resulted lowered my credit score so low that Im not able to get credit with anyone or a loan. My credit report shows that I have eight closed accounts and some which have a higher balance than the credit limit and 4 student loans that are bring deferred and arent late. All this fraudulent or incorrect information is causing my credit to suffer.
Consumer complaint received 2023-05-13
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. 

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 an 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 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

Hello. 

I am using American Express credit card ( Amex ) for a long time. 

I should complain to Amex in this time I made the credit card payment on XX/XX/XXXX because my payment due was on XX/XX/XXXX,. 

After I paid my payment, I received an email from Amex which Amex had received the money. 

So, I knew everything was was fine. 

However, on XX/XX/XXXX, I received an email from Amex saying I had insufficient funds. So, I made the payment again right away on XXXX XXXX. 

When I check my account in Amex Today ( XXXX ) I found Amex charged {$39.00} for returning fee and received payment two times XXXX XXXX and XXXX XXXX. 
This is wrong. If I had insufficient funds in my bank account, Amex should not have sent an email on XX/XX/XXXX saying Amex received funds, or Amex should notice to me about insufficent fund before due date. If Amex notice to me about insufficent fund before due date I would pay again and I dont need to pay fee. 

However, AMEX notified me of insufficient funds a few days ( on XXXX XXXX ) after the due date and charged a fee even though I paid again immediately. 

Also, Amex received payment two times on XXXX and XXXX XXXX Why I need to pay returning fee even though I paid two times? 

This is wrong and unfair. This means Amex want to collect a fee. 

I called Amex and asked for a {$39.00} fee wave, but it was rejected. 
Also I online chat with customer center in Amex but they also rejected wave fee. ( Amex does not have customer service email ) I have been using an Amex card for a long time, and Amex behavior this time is wrong and disappointing. 

Why Amex charge to me about returing fee? Ame get payment two times. 
I strongly ask that Amex wave the {$39.00} fee charged to me. 

I think Amex 's wrong actions and fee charges are very bad, and I really want to receive a {$39.00} fee wave.
Consumer complaint received 2023-05-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (FL)

I have written the credit bureau and IQ data to remove this account and if they're not to at least send me something that shows my signature. But instead, they sent me an invoice. I sent another letter and received a letter saying that they've already responded. But I have yet to receive anything that has my signature on it to let me know that this account is mine. I have disputed this account numerous times and it keeps coming back saying that it is accurate. 

If it is accurate all I'm asking for is proof. I've called XXXX as well and explained my situation and they advised that they just contact the debt collector and it is up to them whether the collection gets removed or not. 

So no one has been able to send me proof.
Consumer complaint received 2023-03-01
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. (MD)

I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of a authenticated original contract with my signature, specifically XXXX XXXX as the company entitled to enforce this reporting to my credit. 
Company : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date Opened : XXXX Date of Last Payment : N/A Date Closed : N/A Date Reported : XXXX I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file.

2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
XXXX. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.
Consumer complaint received 2023-03-01
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)

The XXXX, Experian and XXXX Credit Bureaus are reporting inaccurate information in XXXX, XXXX XXXX and XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be updated. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or update this from my personal file. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$480.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00}.
Consumer complaint received 2018-04-03
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: Credit Karma (GA)

There are multiple credit inquires without my knowledge XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX