davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
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. (WA)

To whom it may concern, Currently, I have eleven student loans. Two student loans are with Navient Corporation and are up to date. Nine are with the Department of Education and are in default status. More than three years ago my wife and I decided to consolidate our individual student loans. We both contacted Navient by phone and set up consolidation plans. All her loans were consolidated by Navient. Unknown to me, all eleven of my loans were not consolidated. Navient only took two of the loans, so the other nine sat at the Department of Education without my knowledge. I was under the impression from Navient that all eleven had been consolidated back in XXXX. 
We filed our XXXX taxes in XX/XX/XXXX. We were to receive a refund. In XX/XX/XXXX, I received a letter from the IRS stating that they had seized, treasury offset, my tax refund because I had student loans in default. I immediately called the Department of Education and I was forwarded to their collection company, Consumer Research. I found out, by phone and online that nine of my student loans were in default since XXXX, with a principle balance of approximately {$44000.00}. Added onto the principle balance an {$8000.00} service fee by Consumer research. A total of around {$52000.00} was due. 
Over the last three years, I was under the impression that I was either paying monthly payments on my student loans or when employment was part time, Navient suggested that I either defer or do a forbearance due to economic hardship. The remaining student loans at the Department of Education sat for more than three years went into default and there was no attempt to communicate that information to me by mail, email, or phone by the Department of Education for the past three years. 
When I spoke to a representative from Consumer Research, I was certified and then told that I have three options to settle my defaulted student loans. None of which I could afford, so I have been currently working with a company called XXXX XXXX to attempt to get my student loans out of default. 
The Navient Corporation is currently being sued by five plus states including Washington, who have alleged improper actions on behalf of student loan borrowers. I have recently contacted the Washington State Attorney Generals office and filed a complaint against Navient. 
For Misallocated payments Steered me toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans Created obstacles to repayment by providing bad information Processed payment incorrectly Failed to act when I complained Harmed the credit of XXXX veterans, I am a XXXX XXXX veteran. 
The Consumer Financial Protection Agency has alleged Navient has systematically and illegally failed borrowers at every stage of repayment. 
Thank you for your time. I appreciate and am grateful for the opportunity to explain my student loan situation.
Consumer complaint received 2019-07-02
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. (IL)

I have informed Equifax by several disputed in the past that the accounts that they are listing on my credit report do not belong to me. I have explained that I have no knowledge of the following accounts for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, there is also accounts listed for XXXX XXXX XXXX ( two accounts ). There are two addresses listed that I have never lived at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX Also there are several inquires that they refuse to do anything about they say contact the companies I did the companies say contact them this has been on going back & forth & back & forth again for these XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXXa XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, & XXXX
Consumer complaint received 2024-03-20
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. (MO)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance {$6.00} XXXX XXXX Balance {$26000.00}
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX BoA notified me that my credit card ending in XXXX was compromised and issued me a new card ending in XXXX. 

In XX/XX/XXXX two charges were made on the XXXX account ( that should've been terminated ) to XXXX *Store for {$59.00} each totaling {$110.00}. I noticed the charges and called them in as fraud. BoA originally refunded the charges but later denied the claim stating I was responsible. I called back requesting an explanation and did not receive one. I asked for evidence to be mailed and nothing was sent. I asked for the claim to be reopened. 

Once again I was denied and a letter was sent. At this point I called XXXX to do the work myself. XXXX quickly flagged it as fraud as the charges were for two " XXXX XXXX annual subscriptions '' and XXXX noted I do not have account with XXXX ( nor do I own a XXXX ). XXXX gave me a reference number of XXXX to give to BoA to quickly resolve the issue. 

I called BoA again and provided them the reference number and also asked again why the claim was denied and no response was provided verbally or by mail as requested. With the new information another claim was opened and I received a letter 3 weeks later once again stating my claim was denied with no explanation. 

I am on my 4th appeal expecting the same result as BoA clearly is not doing anything appropriately with this. I am hopeful that the CFPB will help quickly resolve this as I have spent over 10 hr of my own time attempting to dispute that seems pretty straight forward.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$800.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX {$770.00XXXX XXXX XXXX XXXX Balance {$590.00}
Consumer complaint received 2022-06-01
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. (CA)

It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit reporting agencies decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
Delete these unauthorized Inquiries as soon as possible : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (CA)

disputed this account with other agencies and was deleted. Waiting for Transunion to delete 15 USC 1681 e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681i Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

Hello, I have disputed the accounts below several times. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 


National Credit Adjuster {$240.00} XXXX Unverified Account XXXX XXXX XXXX {$490.00} XXXX Unverified Account XXXX XXXX XXXX {$750.00} XXXX Unverified Account XXXXXXXX XXXXXXXX {$120.00} XXXX Unverified Account XXXX XXXX XXXX XXXX {$130.00} XXXX Unverified Account
Consumer complaint received 2022-06-01
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. (PA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report and discovered several inquiries that I have no knowledge of. 

Because I did not apply for credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 'S XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX. I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into all of these named inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings.
Consumer complaint received 2019-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (MD)

Im a victim of identity theft. I had received some phone calls from unknown source claiming to be, a deptcollector/ XXXX ( cableOrCellular ) I denounced this claim, because it wasnt me, I have been a XXXX Customer for over 19yrs,  and so I have no idea of using XXXX. I have explain to the deptcollectors Over & Over every time they called. Recently during my enquirer to purchase a HOME, I  realized that, they have send an amount of {$2900.00} to my credit report.
Consumer complaint received 2022-12-19
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have no idea where this balance has come from, I left on good terms with them and even got my full deposit back. I've received no notifications for this debt and have no idea why this is here. This debt is not mine and I do not owe it.
Consumer complaint received 2024-03-20
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$55.00}, and XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2019-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (VA)

I have been trying to solve this issue for a long time with wells fargo but got no help. I have an checking and savings account with them. For more than 2 years they have been unauthorized charging me for something that I have no idea about. I have never checked my account before and I have been paying XXXX dollars every month in a 2 transaction for something called XXXX XXXX. I have talked to the branch about it when I found out after almost 2 years. They couldn't help me out and finally after a many try they were able to stopped the charges and gave me a 2 months of money back. I have been trying to get my whole refund as this was out of my authorization. I have lost so much money because of this unauthorized charge. This is not fare for a person with low income in this country. I have been in a hardship and got charged for minimum balance or out f balance that I wasn't accounted for. I want wells fargo to recover all my money that I lost so that I can payback my loaner. This is getting out of my hands to just survive with my family. This is just unjustice of a known business and a known big company. I would have to get my money and close this account and move on to somewhere else. But I wanted try one last time to get an solution. I have been trying so hard to not mes up my credit score but getting scammed like this is just unfortunate for me. I want all my money back period. I would have to seek a lawyers help if I have no other options and I will if it's the last resort for me to get my money back.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$55.00}, and XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2022-06-01
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)

I sent a letter to the Credit Bureaus on XX/XX/202 to remove ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$17000.00} ) that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including these fraudulent information again.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an accounts : XXXX XXXX Balance : {$0.00} on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX ; XXXX ; XXXX and hoping that this XXXX  XXXX Balance : {$0.00} late open account will be updated.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an accounts : XXXX XXXX Balance : {$0.00} on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX ; XXXX ; XXXX and hoping that this XXXX  XXXX Balance : {$0.00} late open account will be updated.