davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and Equifax respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and Equifax the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX
Consumer complaint received 2023-05-14
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: SANTANDER HOLDINGS USA, INC. (CA)

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.
Consumer complaint received 2022-12-27
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. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602A. states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-02-13
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: Experian Information Solutions Inc. (OR)

I have been trying to dispute something on my Experian credit report so it can be taken off for the last 3 weeks and each time it comes up not available at this time. I have emailed the company with my question as to why their dispute is not working, with no reply.

I even made a screenshot so that I could send that to them.

I have been trying to build my credit up and this has knocked my credit down by 19 points, this is why I'm trying to dispute.

I have had a lot of problem with Experian not removing things off my report.
Consumer complaint received 2022-12-27
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. (NV)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XX/XX/2022.
Consumer complaint received 2022-12-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 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 item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-02
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. (TX)

In accordance with the fair credit reporting act violation. 
The following accounts : XXXX  # XXXX XXXX XXXX XXXX # XXXXXXXX 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. It also states a consumer reporting agency can not furnish an account without my written instructions..
Consumer complaint received 2020-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (FL)

I am a TDBank Customer in XXXX County, Florida. On XX/XX/2019, I tried to make a XXXX payment through my online banking portal. The transaction was flagged by TDBank as suspicious, even though I had done previous business with the merchant with no issues. TDBank disabled my XXXX capabilities while they " investigated, '' and later shut down all access to my checking account. I spent HOURS in the branch during the ensuing weekend trying to resolve the situation, but the branch employees, including the manager, not only were unable to help but were apathetic and uninterested in trying. Finally, after I posted a lengthy summary of the situation to XXXX, along with an entreaty to my followers not to do business with TDBank, someone from their corporate office called me on Sunday night and assured me they would resolve the situation by the following Monday morning. Little did I know, however that my nightmare was only getting started ... 

To make a very long story at least somewhat shorter, after the XXXX debacle, TDBank improperly and arbitrarily classified my checking account as a " non-transaction account, '' a code associated with savings accounts, money markets, and other such accounts on which checks ( including e-checks ) can not be written. They did not inform me they were doing this, and from what their employees have since told me, it should have never happened -- in other words, it was a negligent and careless mistake on their end. 

This negligent action by TDBank caused me to incur many returned payments, resulting in hundreds of dollars in late fees. My payments initially were accepted, but each time, I received a notice days later ( or, in a few cases, weeks later ) from the merchant ( never from TDBank ) that the payment was returned because of my account 's non-transaction status. By that point, the due date had always passed, causing a late fee to be applied. In one case, it took so long for the payment to be returned that it went past the 30-day mark, resulting in a 70-point plunge in my credit score. This drop, unless I can somehow resolve it, will  cause me to pay hundreds or even thousands more in interest if I decide to purchase a house or car in the near future. 

I am completely fed up and need help taking action. I strongly believe that I deserve restitution not only for the quantifiable monetary damages I have suffered in the form of late fees and returned payments, but also for the many hours of time I have lost ( time is money, after all ) and for the stress and emotional anguish caused by this exasperating situation.
Consumer complaint received 2022-12-26
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. (TN)

I, the soul with the given name XXXX XXXX and the married name of XXXX XXXX XXXX, do not accept the resolution given by the public entities named Equifax, XXXX and XXXX who act as monitors of soul beings transactions in the extensions of credit. 

I, the soul with the given name XXXX XXXX and the married name XXXX XXXX XXXX, do not owe any so-called debts as listed by the public entities named Equifax, XXXX and XXXX. 

I, the soul with the given name of XXXX XXXX and the married name XXXX XXXX XXXX, has NEVER given permission to these entities to list or connect this soul with the LEGAL FICTION known as XXXX XXXX XXXX or any alias thereof or to list any alleged transactions on their public sites/listings. 

If the public entities named, Equifax, XXXX and XXXX have dealings with the soul with the given name XXXX XXXX and the married name of XXXX XXXX XXXX, they may send documentation with the proper use of lettering as aforementioned. 

If these entities known as Equifax, XXXX and XXXX do not send or communicate to those parties they do business with to send the alleged debts to the soul with the proper use of lettering to said soul, I request all alleged debts be DELETED from the credit listing entities named Equifax, XXXX and XXXX. 

Any documents sent with the lettering related to the LEGAL FICTION known as XXXX XXXX XXXX or any aliases related thus will not be addressed by this soul. 


The alleged accounts are thus : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I, the soul with the given name XXXX XXXX and the married name of XXXX XXXX XXXX, do not accept the resolution given by the public entities named XXXX, XXXX and Transunion who act as monitors of soul beings transactions in the extensions of credit. 

I, the soul with the given name XXXX XXXX and the married name XXXX XXXX XXXX, do not owe any so-called debts as listed by the public entities named XXXX, XXXX and Transunion. 

I, the soul with the given name of XXXX XXXX and the married name XXXX XXXX XXXX, has NEVER given permission to these entities to list or connect this soul with the LEGAL FICTION known as XXXX XXXX XXXX or any alias thereof or to list any alleged transactions on their public sites/listings. 

If the public entities named, XXXX, XXXX and Transunion have dealings with the soul with the given name XXXX XXXX and the married name of XXXX XXXX XXXX, they may send documentation with the proper use of lettering as aforementioned. 

If these entities known as XXXX, XXXX and Transunion do not send or communicate to those parties they do business with to send the alleged debts to the soul with the proper use of lettering to said soul, I request all alleged debts be DELETED from the credit listing entities named XXXX, XXXX and Transunion. 

Any documents sent with the lettering related to the LEGAL FICTION known as XXXX XXXX XXXX or any aliases related thus will not be addressed by this soul. 


The alleged accounts are thus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NJ)

We purchased over XXXX in gift cards in last 3 years, and now, after we gave a few out they seem to have already been used. American Express issued them, but now they tell me I have to first find every fraudulent transaction on each individual card, and then contact each merchant and dispute the individually charges with them. 
These cards never left the envelope they came in, but I hope there is a more efficient method to resolve this as I do not have enough time to call that many merchants.
Consumer complaint received 2024-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

I sent a letter to Navient explaining the reason that my Private student loans should be discharged and it was received on XX/XX/2024. They have not taken this matter seriously. They still keep harassing me and my wife and they will not address the issue. I know that there is an application for school misconduct discharge but they won't send it to me.
Consumer complaint received 2019-02-13
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: Experian Information Solutions Inc. (VA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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: U.S. BANCORP (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ELAN, FINANCIAL : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances.

surrounding your review of my XXXX credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2021-12-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

Attempting to make a payment after rocket mortgage conducted my second escrow analysis in two months. After the first analysis they told me I'd have an overage, which I told them to keep. The second analysis resulted in a shortage. 

Anyways I noticed that my monthly payment had changed, so I went to adjust my already scheduled payment for XX/XX/XXXX, which was to be withdrawn on XX/XX/XXXX. For the past hour I've been trying to submit a payment or contact customer service. When calling the office they give no indication that customer service will ever be available or like their hours of operation or anything. It seems like their customer service is indefinitely closed. The online payment system isn't accepting payments currently from my account.
Consumer complaint received 2020-01-06
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. (CA)

It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
Consumer complaint received 2022-12-26
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (NC)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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.
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. (TX)

I wrote them asking them to verify the the account and I was told that the account was verified but I wasn't shown any proof of verification credit reporting act, 15, USC & 1681 ( a ) ( 4 ) states that information is to be verified with in the 30 days time frame and if this info is not verified it has to be removed XXXX funding made no attempt to resolve this matter the account # XXXX {$460.00} do not belong to me I have disputed these accounts with the XXXX XXXX XXXX XXXX XXXX {$90.00} do not belong to me also the accounts are in collections and still show a belance and still show open the dates are also wrong also Acct XXXX XXXX {$190.00} is also a fraudulent account and I asked for verification and was never shown any verification with my signature on it these accounts are stopping me from getting a house these accounts where opened or paid on while I was XXXX and need to be removed
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (NJ)

I havent paid a Navient loan since XXXX, i was in graduate school deferment until XXXX. 

I could not pay in XXXX since I was still in graduate school ( they did not offer any options despite covid and me being unemployed in XXXX due to graduate school demands and pandemic job loss. 

They refused to talk to me, no one at Navient would speak to me. 

My cosigner claimed a XXXX  XXXX XXXX, and then Navient said my loan was written off ( via credit report ). But they refused to speak to me. 

I got a lawyer and filed a XXXX  XXXX this past summer ( XX/XX/XXXX ). Navient showed up as written off then, due to XXXX  XXXX. But they still refused to speak with me, and would not tell me anything. 

My credit score just dropped XXXX points because Navient showed up again and changed the remark from XXXX  XXXX, to written off as bad debt. 

I want to dispute this. Its not fair, they wouldnt give me my status of loan at all over the years, probably avoiding the statue of limitations ( 4 years for private student loans. ) and they already reported written off once, and now I take another hit as Im repairing my credit score. 

At one point they transferred me to the Bankrupcy departmentrepeatedly, but people Would answer the phone and say they were from a training company and had no affiliation with Navient ( really bizarre ). 

I want them to leave me alone, take this bogus knock off my credit report and give me a letter with information about the loan, the statute of limitations, etc.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Progrexion Holdings, Inc. (OH)

I've never paid for a services from CreditRepair. Com. I've never even heard of them until they began calling at all hours from different phone number because I block every number they call from. Now they're calling me at XXXX at night.
Consumer complaint received 2019-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

XXXX XXXX XXXX is one of the only banks that will allow XXXX personnel to open and maintain sterling accounts first thing when you come to XXXX. In fact they market to all of the newcomers. When you sign up they force you to open both a sterling and a dollar account. You can not get a debit card for the sterling account that works anywhere other than their atm. In order to set up rent payments you have to set up direct payments. As of XXXX they are no longer offering that service for direct payments. This directly affects how Many XXXX members pay their rent and other services. I feel the bank has been misleading customers and are not complying with best practices. Also the mobile AP hasnt worked for months. And the fees for changing dollars to sterling can fluctuate while youre waiting for the transaction. It tends to go in their favor on paydays.