davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I have been trying to work with Navient the past two years in trying to get my payments lowered on my account, I have over {$150000.00} in debt and they are no help. When I first called about the situation all they did was just tell me to get a forbearance because they said thats all I could do .. I called a couple of months later and they in XX/XX/2018 and the told me I could get lower payments after I made 3 payments of {$530.00}. So I set those payments up and in the process of it they brought my account current with a disaster forbearance which they have done multiple times and with request to remove them They said they couldnt do that ... I then called almost everyday to see if I needed to keep the payments on file or would I be on the program or I dont, I was told multiple times that I would be fine and in the program and every representative I spoke with told me it was fine because I had other bills and expenses to pay. When I came off of the forbearance I was not in the program and they told me that it was my fault and I didnt do the payments they told me to. I told them to review the accounts and the calls and they told me they didnt which I know they didnt because they claim I havent talked to anyone which I know I did and my fianc has been with me every call I even spoke with a manager. I do not feel as though my situation would be as bad if they would have helped me from the beginning. They have called me 6 times a day before harassing me everyday and I could be on the phone with someone and here they go calling. I have been giving forbearances when I advised them I cant afford the payment and they tell me thats all they can do ..
Consumer complaint received 2022-12-17
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. (LA)

49 FCRA VIOLATIONS UNDER ONE ACCOUNT WITH TRANSUNION ; TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE ATTACHED. RE : 1ST ACCOUNT.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I looked at report back on XXXX XXXX, 2024, and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure 's to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These account ( XXXX ) are not complete and is not accurate. 

XXXX - XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate
Consumer complaint received 2018-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

My XXXX XXXX XXXX XXXX failed to transfer {>= $1,000,000} through USAA wallet to XXXX XXXX XXXX XXXX XXXX and my XXXX XXXX XXXX XXXX is missing {$7700.00} withdrawn from account XXXX.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-10-17
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: SYNCHRONY FINANCIAL (WI)

Amazon promo for XXXX dollars off cart. prime days. Secure card application in offer. No secure card option in process. Negative score impact in denial on regular cards. Which I didn't expect approval on No discount. No option for secure as promised. 
Bait and switch with consequences to my credit history and score. No discount.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX the Accounts listed below has violated my rights. 

1. XXXX XXXX  XXXX 2. US Dep ED XXXX 3. US Dep ED XXXX 4. US Dep ED XXXX 5. US Dep ED XXXX 6. US Dep ED XXXX 7. US Dep ED XXXX 8. US Dep ED XXXX 9. US Dep ED XXXX 10. US Dep ED XXXX 11. US Dep ED XXXX 12. US Dep ED XXXX 13. US Dep ED XXXX 14. US DOE / XXXX XXXX XXXX. US DOE XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX  XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX XXXX XXXX XXXX 23. XXXX XXXX XXXX XXXX XXXX 24. XXXX XXXX XXXX XXXX XXXX 25. XXXX XXXX XXXX XXXX XXXX 26. XXXX XXXXXXXX XXXX XXXX XXXX 27. XXXX XXXX XXXX XXXX  XXXX 28. XXXX XXXX XXXX XXXX XXXX 29. XXXX XXXX  XXXX 30. XXXX XXXX XXXX XXXX 31. XXXX XXXX XXXX XXXX 32. XXXX XXXX XXXX XXXX 33. XXXX XXXXXXXX XXXX 34. XXXX XXXX XXXX 35. XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, # XXXX, and # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to a third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-06-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY (NJ)

Good Afternoon, My Name is XXXX XXXX XXXX dob XX/XX/XXXX, I have ordered my credit reports from all 3 Bureaus and ordered a personal background check on myself on or about XX/XX/XXXX and found a Judgement was filed in my name and does not belong to me. I have made contact with the Attorneys and provided more than sufficient proof to have it removed from my name and my property and they simply stated, you can just have the creditors contact us and we can tell them its not yours, the Doket # is XXXX FILED ON OR ABOUT XX/XX/XXXX. This has had a negative impact on my credit score and I have been desperately trying to remove it. NO luck, The collection agency is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX I have been in touch with XXXX, XXXX and Today XX/XX/XXXX XXXX XXXX. I have provided everything to clear my name and yet its still out there wrong public info. Please help me remove this from my record my name.
Consumer complaint received 2022-06-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

TRANSUNION XXXX  : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$970.00} XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX Balance {$1100.00} INQUIRY : XXXX XX/XX/XXXX XXXX XXXX  : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance {$3900.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  ) Balance {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) Balance {$970.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX XXXX XXXX Balance {$13000.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX Balance {$1100.00} INQUIRY : XXXX XX/XX/XXXX
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Hi. Some person i knew got my social security number and birthdate and ran a hard credit check on my credit line. And try to apply for a XXXX XXXX card on my credit they live in XXXX Tennessee that i know they it was an old friend from 10 years ago trick me for my identity because im in the hospital and just had XXXX thank goodness i know how to report this please get back too me on this asap. Thank u.
Consumer complaint received 2022-12-17
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)

Attached is an identity theft report listing all fraudulent accounts and inquiries that are reporting to my Experian credit report. Below is also a list of all fraudulent accounts and inquiries that are being reported on my Experian credit report. 

Experian Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-14
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Patenaude & Felix A Professional Corporation (WA)

The Law Offices of Patenaude & Felix, A.P.C. contacted me to collect a debt for their client : National Collegiate Student Loan Trust. Within this phone call, I asked for proof that they own a loan which they believe I owe money, in which I've never seen the original paperwork. I was unaware that verification request should be made in writing to the pursuant company within 30 days of first contact. 

When I was speaking with a representative from The Law Offices of Patenaude & Felix , A.P.C., he said if I do not start to pay the loan, then he will be forced to take legal action [ sue me ]. I felt very threatened by the situation and continue to get calls from them where I'm afraid to answer.
Consumer complaint received 2022-06-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

TRANSUNION Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because some one had already filed under my social security number. I called IRS and to figure out what needed to be done. I then pulled my credit report to see what all has been opened under my name if there was any. There was an outrageous amount of items that I am not familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$2900.00} XXXX XXXX XXXX {$680.00}
Consumer complaint received 2022-06-01
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: Elevate Recoveries, LLC (HI)

XXXX XXXX XXXX XXXX XXXX XXXX, hi XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : Account number : XXXX Elevate recoveries llc
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

A cording to XXXX  XXXX I signed up for services on XX/XX/XXXX of 2007. I have never heard of this service nor have I never used this service. My bill is {$1100.00} 4 years later after I have paid for my merchandise. I never signed up for this service. XXXX fraudulently allowed this to take place and they are still unwillingly scamming people. It's unethical and not right. I have spoken with both XXXX  XXXX and XXXX Citi. 
Noone seems to know what happened and they have decided not to refund my money back. I have called repeatedly and I would like this issue resolved. Why should I have to obtain an attorney because Cit is allowing XXXX  XXXX to fraudulently take money and hold customers accountable for services that they have no knowledge of until years later if they have paperless statements.
Consumer complaint received 2018-10-01
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. (KY)

The XXXX XXXX credit card that had a XXXX limit was used by XXXX XXXX XXXX while I was XXXX at XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX this can be verified call the XXXX and ask for records. I've disputed this with all companies. Experian is the only one that won't remove this. I've spoke with XXXX XXXX as well, the fraud people there took no time to make a decision that this was not fraud just because I didn't make a police report, well it is hard to make a report against someone who is deceased XX/XX/XXXX XXXX obituary. I did not use the card nor could it be possible for me to use it. Now they want to add {$180.00} in interest and offer me a 60 percent settlement which turns into paying XXXX for a XXXX limit. I'm not paying interest on a card I never used. Every month they report FP failed to pay even though they closed this account and charged it off YEARS ago.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please remove closed credit card accounts I have tried to have them remove the old charge off accounts or closed accounts that are over 7 years old and nothing has been done all old accounts that are no longer active and are over 7 years old should be removed immediately thank you
Consumer complaint received 2022-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I sent more letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Consumer complaint received 2022-10-26
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. (NC)

Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2018-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

This happened back while I was stationed in XXXX in XX/XX/XXXX-XX/XX/XXXX. Around XX/XX/XXXX, an unauthorized transaction of around 1,400 dollars was made from my checking account and there was a website named XXXXm listed in the transaction info. I called Bank of America, wrote them a letter, and had our JAG office contact them, and I was basically told nothing could be done and that they believed that I authorized the transaction.