davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
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. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-06-30
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. (CA)

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 Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-01-09
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)

I applied for a loan today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify due to having several accounts in negative standing. None of those accounts are mine ; I did not open any of those accounts and I did not give anyone permission to open those accounts with my personal information. I filed a police report as soon as I could after finding out about these unauthorized accounts. I did not benefit anything from these accounts nor did I make any payments towards any of these accounts. I do not have any sort of relationship or contract with any of these companies and I did not allow them to access my credit information.
Consumer complaint received 2020-01-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (LA)

For the past few years I have been trying to get an income based repayment plan from Navient and they have stated several times that I qualify for it, but they put the account into forbearance where it accrues insane amounts of fees over a course of a few months. Along with the accruing fees they have stated several times that they would send me the forms via email for the income based repayment and though I have called and told them several times that I have not received it, I still get told they will send it again. They confirm my email address with me each time but I still don't receive it though I receive account verification email from them. I'm so tired of Navient not doing as they say they will and getting charged these outrageous fees. I went on their site after fighting with them to send me the forms and finally downloaded them. I filled them out and sent them to the address that was given to me and low and behold I find out later when they are trying to talk me into forbearance again that they never received the paperwork.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite multiple communications and efforts on my part, these unauthorized transactions remain unresolved, and the lack of progress is unacceptable. 

Discovered unauthorized transactions on my account statement. 

Immediately reported the fraudulent items to your customer service department and was assured that the matter would be investigated. 
Followed up to inquire about the progress and was informed that the issue was being escalated for resolution. 

Received notification of an investigation but no tangible progress in removing the fraudulent items. 

Made additional calls and submitted supporting documentation, but the unauthorized transactions persist. 

This prolonged and unresolved situation has caused significant distress, and I am deeply disappointed by the lack of action taken to rectify this matter promptly. 

I kindly request the following actions : A thorough and expedited investigation into the fraudulent transactions on my account.

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Immediate removal of the fraudulent items from my account and a confirmation of their removal.

Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed.

Compensation for the inconvenience, stress, and time spent in resolving this matter.

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2022-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

For the last 3 months XXXX, XXXX XXXX, and XXXX and creditors have been having abusive reporting reporting on accounts more than one time a month. My credit profile is being abused because of my XXXX name. I have white colleagues and counterparts who has shared their credit profiles with me with very similar credit backgrounds or worse and their creit scores are reflecting higher with minimal credit history established. I am reporting because I believe my race based upon my XXXX name is influencing my credit fluctuations and the reason why Im receiving credit abuse
Consumer complaint received 2023-12-01
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. (TX)

I am writing to express my dissatisfaction and frustration regarding the multiple unsuccessful attempts to correct the late opening of my account with Credit Bureau. My account was expected to be opened, but despite my persistent efforts to rectify the situation, it remains unresolved. 

Initial attempt to open the account was made, but I encountered an issue with the process. 

Numerous calls were made to customer service, each time receiving assurances that the matter was being escalated and would be resolved urgently. 

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable. 

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a timely resolution to such matters.

I kindly request the following actions : Immediate investigation into the root cause of the issue.

Transparent communication regarding the steps being taken to resolve the problem. 
XXXX that this issue will not affect my account 's functionality or standing once it is resolved. 
Compensation for the inconvenience caused during this period. I appreciate your prompt attention to this matter and expect a resolution within the exact timeframe from the date of this letter. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$4500.00}.
Consumer complaint received 2023-03-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (FL)

Truth in lending violations. Inaccuracies in the Annual percentage rate, finance charges and the amount financed. Thus violating my consumer rights as defined by 15 U.S.C. at 1605 ; 1606. On XX/XX/2022, I went there for a consumer credit transaction, and due to my knowledge as of the timing of this complaint, Ive realized that this whole transaction was a fraudulent act that was taken against me during this transaction and after this transaction, the dealership which I went to XXXX XXXX dealership XXXX XXXX, FL. Violated all Acts 1 Act : Title 15 U.S.C. 1605 Due to my knowledge the finance charge covers everything, including premium.. which I was wrongfully made to purchase myself knowing the finance charges covers premium.. also there was cash involved which they made me put a down payment of [ {$1000.00} } Act 2 : title 15 U.S.C. 1611 I was given false information throughout this whole transaction Act 3 : 15 U.S.C. 1662 They promoted a down payment which is illegal and unlawful Due to dishonesty in this transaction, I do not know if this company really had an insurance license, because I know its required to sell consumer contracts. So therefore I was also violated for my premium rights, had to pay out of pocket, which were already covered for. Also Act 4 : title 15 use 1635 they didnt disclose that I had the right to rescind the contract.
Consumer complaint received 2017-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (VA)

I have been getting calls everyday twice a day ( both home and cell ) from both places I have student loans from. Sallie Mae and XXXX are constantly calling whether a payment is scheduled or not. Sallie Mae will not work with other payment arrangements either.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TO WHOM IT MAY CONCERN, I am writing to dispute the accuracy of the information in my credit report, pursuant to 15 U.S. Code 1681s2 and 15 USC 1681s-2 ( a ) ( 7 ). I demand that you immediately investigate and remove the following items, which I believe are inaccurate and are harming my creditworthiness : I have absolutely no affiliation with of The address XXXX XXXX XXXX XXXX XXXX XXXX CA, Please remove this address as it is HIGHLY INACCURATE. 
XXXXXXXX XXXX XXXX  account that was added to my profile XX/XX/XXXX is a business account that is currently in good standing still and should be removed from my personal immediately. HIGHLY INACCURATE. 
XXXX : XX/XX/XXXX XXXX was a result of fraud and should immediately be removed from my credit.I gave creditor no authorization to run my credit and should be immediately removed. 
XXXX XXXX  XX/XX/XXXX is another credit inquiry that needs to be immediately removed. The creditor has no authorization to pull my credit. 

XXXXXXXX XXXX : XX/XX/XXXX s another credit inquiry that needs to be immediately removed. The creditor has no authorization to pull my credit. 

XXXX XXXX XXXX : XX/XX/XXXX is another inquiry that needs to be removed immediately. Institution had no authorization to pull my credit. 
XXXX is inaccurate, They are not my current employer and need to be removed immediately. 
These items have a negative impact on my credit as it dropped XXXX points in XXXX days. These negative items on my report are in direct violation of 15 USC 1681s-2 ( a ) ( 7 ) and U.S. Code 1681s2. These items have a severe impact on my credit as it dropped XXXX points in XXXX days and should be remedied immediately. 

If you do not correct these errors in my credit report, you are in direct violation of the Fair Credit Reporting Act ( FCRA ), which could subject you to civil liability and damages. 

Please note that I take this matter very seriously and will pursue all legal remedies available to me, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau, initiating legal action against you, and seeking punitive damages. 

I demand that you respond to my dispute within 30 days of receiving this letter, in accordance with the FCRA. Failure to do so will only serve to further demonstrate your deliberate and willful disregard for the law and your obligation to accurately report my credit information. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-03-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Hi I am having another problem with HSBC bank. My mother went into the hospital in XXXX and now is in XXXX, on XX/XX/XXXX I went to HSBC bank in XXXX NY to have power of attorney for my mother XXXX XXXX account. brought the power of attorney to the bank and delt with XXXX XXXX. I signed the forms and did what he said I had to do and he told me he would let me know when it was done. It is going on 18 days since I went there and I have not heard back. When I try to get in touch with him there is no answer and I can not leave a message because it says mailbox is full. I have tried to call the branch but they do not answer the phone, I repeatedly redialed the phone about 50 times on numerous occasions and got the same results. It is impossible to contact or speak to anyone at that branch. I have gotten through to customer service twice but each time they told me there is nothing they can do on their end. I need to take care of my mothers bills while she is in the hospital that is the reason for the POA .How can I get it done when customer service can not help and I can not get in touch with the branch. This is the third complaint I am filing about HSBC bank for three different problems. This is the worst bank I have ever delt with and want to close out these last accounts and never have to deal with them again. They are also charging XXXX dollars a month service fee on the account and the longer they drag this the more money it will cost my mother.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. 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 2023-08-13
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I do not recognize these companies or consent to any of these credit inquiries. Please have them remove immediately from my credit report. 


XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022XX/XX/2022XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX/XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2017-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (IA)

I had a charge off for XXXX XXXX / XXXX XXXX for {$160.00} on my XXXX XXXX card it went to collections agency XXXX XXXX back in XX/XX/XXXXand then it went a third party collector in XX/XX/XXXX. I have paid over the amount owed between the 2 collection agency and XXXX is still stating I owe over $ 74.My bank accounts show payments made XX/XX/XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$32.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX  XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX  XX/XX/XXXXeE ERC {$33.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX So I am not sure if the collection agency distributed the payments to the orginal creditor. I have well over paid the amount due back in XX/XX/XXXX.
Consumer complaint received 2023-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 USC 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2020-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: La Casa Bonita Investments (FL)

My loan forbearance was coming up to an end and I started recieving emails and calls about the new repayment plans offered. The explanation of these plans are offered on the US Department of Education 's website so when XXXX XXXX XXXX   contacted me giving me all the details of all of my loans and described which plans I may be eligible for, it seemed like a legitimate company. Due to the fact that I made below a certain amount of money, I qualified for the Income Driven Repayment program. Which was explained to me that if I paid the {$540.00} dollar fee plus $ XXXX that I would only have to pay $ XXXX for the next 20 years, and that I qualified for all of my interest to basically go away and that now I would only have to pay the principal for as long as i had the same income. The only way that would change is if I had a substantial change in income. I entered into the agreement with the XXXX XXXX XXXX, referred to as XXXX, on XX/XX/2019. I made the monthly payments of {$180.00} for 3 months at the end of each month XX/XX/2019, XX/XX/2019, and XX/XX/2019 totally {$540.00}. No change in my income has occurred. Once I paid the {$540.00}, I spoke with someone at the US Department of Education because I was still receiving letters about my student loans. They informed me that the XXXX was not a company that they are affiliated with and that my interest was actually 6 %!! I explained to them what I was told and the payment plans, they told me that if I was entered into the agreement under false pretenses that I would need to report it. I have since then, put all of my loans back to the previous lender that is recognized by the US Department of Education and have attempted to contact the company XXXX for a refund of my funds. I called the phone number provided to me in the emails containing the contract and have spoken with them when filing the agreements in XXXX through this phone number, now the phone number is temporarily out of service. My credit card company who is supposed to protect me against fraud is giving me a really hard time about this. This credit card company is XXXX XXXX.