davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

When I took out a loan with Navient back in XX/XX/XXXX we made every monthly payment for about a yr, My mother was a cosigner on the loan it was for XXXX long story short she had to file bankruptcy and because you can't go bankrupt on Sallie mai " Navient '' they were getting paid through the bankruptcy every month for 5yrs they had received XXXX on top of what I already paid them and for some reason when I spoke with them they didn't have clue what I was talking about even though we had proof from the bankruptcy lawyer they basically told me they didn't care what proof I had and they dared me to get a lawyer! NO JOKE!! Now after fighting with them and getting discouraged 4 or 5yrs later " present time '' I owe around XXXX on my XXXX loan! I tried calling lawyers, I tried talking to them but nobody would hear me out!! I dont know what to do!?!? I refuse to pay them anymore and because of that every month 150+ gets added to my debt! This is madness! They have ruined the last 8yrs of my life!
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need this items deleted from my credit report : XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, NO ACCT NAME, XXXX, XXXX XXXX. Inquiries : XXXX  XXXX   XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. 

I have contacted my local police and the FTC. I am doing this on my behalf.
Consumer complaint received 2019-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need this items deleted from my credit report : XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, NO ACCT NAME, XXXX, XXXX XXXX. Inquiries : XXXX  XXXX   XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. 

I have contacted my local police and the FTC. I am doing this on my behalf.
Consumer complaint received 2019-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NY)

DEAR CAINE & WEINER According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of 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 verifiable proof, you must remove the accounts listed below. 

PLACE FOR COLLECTION : XX/XX/2018 CAINE AND WEINER ACCOUNT # XXXX AMOUNT DUE : {$130.00} SINCERLY, XXXX XXXX
Consumer complaint received 2019-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

I was tale that money will be transfer from my Merrill XXXX  account into my bank of america account. However it did not happen. This transfer was suppose to happen 3 weeks ago. Nobody responding from Merrill edge.

Another problem is with Roth IRA account. It was forced liquidation of CD that did not matured yet. They did not let CD to mature and they give me much less money that I played for CD
Consumer complaint received 2019-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I disputed 3 collections that was on my credit report. Within that month I decided to buy a house so I called Transunion and XXXX  on XX/XX/19 to stop my disputes. It's been over 3 months and the dispute are still showing up on my credit. It's now XX/XX/19 my score dropped because every time my credit gets pulled for my loan the disputes show up. Today I called the debt collector XXXX XXXX XXXX XXXX and they told me either pay my debt or submit info about my dispute. I don't want to continue I want to stop any disputes.
Consumer complaint received 2023-09-22
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. (KY)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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. (NE)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Below is the list of the fraudulent items I found on my XXXX report and I need you to remove each and everyone of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am trying to escalate these unfamiliar accounts and charges that were added on my credit report to which I don't recognize that I owe. I want these letters to reach the right department so they will investigate these from the furnishers and correct the inaccuracies on my profile.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (FL)

Once again, I am having to come to you to fix this issue. Money Lion is again reporting that my loan with them was previously outstanding which is NEVER has been ALL payments were made ON TIME! You can not speak with anyone at this company Im management to correct issue only customer service.
Consumer complaint received 2023-01-23
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. (TX)

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 Credit Card with account # XXXX opened on XX/XX/2017 and a balance of {$390.00} This account is incorrectly being reported as a charged off account with a balance to {$0.00} or delete the negative payment status on this Account Collection account from XXXX XXXX XXXX with account # XXXX and a balance of $ XXXX Original creditor is XXXX XXXX XXXX. 

has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish 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 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 the the information is inaccurate
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (UT)

I have been a credit card holder with Target for several years with no issues with any payments. Recently I had a reoccurrence of XXXX  and had to stop working and unfortunately had XXXX  on my bank account due to being in XXXX. As soon as I was aware of the issue I called the bank and my credit card companies requesting some assistance due to dealing with covid related issues. The bank and my other 2 credit card companies seen my payment history with no issues for the last several years and waived my returned payment fees. Target on the other hand refused to waive the returned payment fee and offer no Covid assistance per speaking with a Target supervisor.
Consumer complaint received 2021-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (PA)

I want to show CFPB how despicable and unethical a lending company can be. I have initially filed a complaint against One Main Financial for a violation of my rights concerning a personal loan I borrowed. When I called the company to complain I was hung up on and told to look up an obscure term they called " the rule of XXXX. '' When I looked up the term, I found it's declared an illegal practice for loan companies to use. Moreover the credit agencies I called never heard of the term. There is also nothing in my paperwork that mentions such a term. This clearly indicates how this company has no scruples and violates the truth in lending laws set up by the government. In the follow up to my complaint, the company sent me a Compromise /Release agreement for me to sign. I thought the company was going to send a simple paragraph to reach an amicable agreement. Instead, I received an agreement that they expected me to sign giving up my rights, in particular that they are guilty of no wrongdoing and a clause that I would not be able to sue. That the company sent such an abhorrent and unethical letter ( which borders on the criminal ), clearly indicates that they are in fact very guilty of wrongdoing and other unethical practices. The letter is a clear violation of not only my consumer rights, but my constitutional rights as well. 
If the burden or proof is on me, I am glad for it, for their agreement is chock-full of violations. I moreover can honestly show that I have paid the principal balance I borrowed ( I have all my documentation ) and the CFPB can clearly see for themselves in their compromise letter the predatory company they are, and their unregenerate business practices, especially against XXXX
Consumer complaint received 2021-12-14
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. (MD)

Someone stole my identity and they opened up several accounts using my information and I furnished none of these. Please remove them off my credit report. The items are as below : - XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX US Dept of Education ( {$1800.00} ) - US Dept of Education ( {$2200.00} ) - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ) - XXXX XXXX XXXX ( {$1200.00} ) - XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

In XX/XX/2019 I opened both a checking account and a savings account with HSBC, for the purpose of meeting the requirements for the respective signup bonus offers. I met the terms for the 90 days and then maintained the accounts for an additional 90 plus days in order to avoid the early termination fees. In late XXXX or early XXXX I called the bank to close both accounts and was told that it was taken care of. In XXXX I received a collection letter stating that I owed a {$15.00} overdraft charge. Apparently the checking account had not been closed per my instruction ; and since I had transferred all the $ to my other bank, HSBC charged a {$15.00} maintenance fee which of course was overdrawn. I called and was told that this was resolved, yet once again on XX/XX/XXXX I received another letter. I was given further confirmation that this problem, both the account not being closed and the overdraft being removed, has been resolved but I don't trust the bank to not send me another letter come this spring.
Consumer complaint received 2023-01-23
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/2017 and a balance of {$XXXX} This account is incorrectly being reported as a charged off account with a balance to {$XXXX} or delete the negative payment status on this Account Collection account from XXXX XXXX XXXX with account # XXXX and a balance of $ XXXX.The Original creditor is XXXX XXXX XXXX 

has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish 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 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 XXXX 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 the the information is inaccurate
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below.
Consumer complaint received 2019-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc. (MI)

On XX/XX/2019, I received two letters from NPAS , Inc., claiming the existence of medical debt totaling {$35.00}. As the letter indicated that the debt had been purchased from a local primary care network, I contacted their office and was informed that they had never referred my account to a debt collector. 

I therefore sent a letter to NPAS via USPS Certified Mail ( tracking number XXXX ) requesting verification of the debt. Tracking information confirms the letter was delivered on XX/XX/2019. 

I did not receive any further communications from NPAS until XX/XX/2019, when they sent another letter claiming that I still owed the same debt that I had previously requested verification of, this time in the amount of {$17.00}. 

At no point have I been given any reason to believe, or any evidence supporting, NPAS ' claims about the debt 's validity or existence.
Consumer complaint received 2023-01-23
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. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-23
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. (NM)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00}.
Consumer complaint received 2019-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

In XXXX XXXX suffered a major security breach which leaked the personal data of over 143 million Americans. My information was leaked in this breach, my Name, Birth Date, Address, Phone Number, Social, as well as my Driver Licenses Number. As a result of my personal information being compromised, I have become a victim of identity theft leaving several accounts listed on my credit report with XXXX, XXXX, and Experian that I did not authorize. My overall creditworthiness has been destroyed, as a result of XXXX  not taking the proper security actions, when they were initially warned that this breach might occur. 

The Fair Credit Reporting Act requires that these accounts be removed as soon as possible from my credit file. If these accounts are not removed from my credit file, My lawyer and I will move forward to in court on XX/XX/XXXX to file suit with all companies involved in this incorrect reporting. 

The following information should be removed as soon as possible. 
XXXX/XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  The following addressess should also be removed from my credit file as soon as possible : XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX