davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-15
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. (OH)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly ensure the removal of inaccurate accounts noted on my credit report, as mandated by FCRA 605B. Could you please verify the documentation? The presence of these erroneous accounts is causing me distress.
Consumer complaint received 2022-04-11
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: WELLS FARGO & COMPANY (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

YOUR COMPLAINT It is Equifax is duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting three in accurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. These include two 30 day late payments posted in XX/XX/XXXX and XX/XX/XXXX and one 60 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-06-28
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 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 2022-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

To whom it may concern, Please find attached official police report from XXXX XXXX 's, GA Sheriff Office, confirming my identity was stolen on XX/XX/2022. As confirmed by police, my identify was stolen and then used to add new recipients and make fraudulent payments with XXXX using my Chase checking account. 
Below is a summary of all unauthorized payments : XXXX unauthorized XXXX payment in amount of {XXXX} sent from Chase checking ( claim # XXXX ) XXXX XXXX {XXXX} ( {XXXX} total ) XXXX unauthorized payments sent from Chase checking account ( claim # XXXX )
Consumer complaint received 2024-03-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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
Consumer complaint received 2024-03-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2021-05-15
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (FL)

Trading using robinhood they closed out my account and froze trading and selling off my last assets. Was assured at teh time of closing my crypto was liquidated at current market prices and the value and blanace of which would not lose value and was assured multiple times the assets were liquidated and sold at current prices at the time of my account being deactivated during the deactivation price of my assets dropped they assured me the assets were liquidated. my remaining balance was then over XXXX less than when they said they liquidated after 3 days they reactivated my account with a heavy loss to my money because i i couldnt sell the assets because they said they liquidated and sold it already. also they freeze trading when you make too much profit wont let you sell until you take a loss they admit to all of this in the emails i have. im retaining a lawyer and probably gon na start a civil suit
Consumer complaint received 2017-06-24
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. (WV)

I attended XXXX XXXX College starting in XXXX then again in XXXX. Due to health reasons i could not finish my XXXX XXXX XXXX degree although i had XXXX XXXX  and finished all XXXX classes. I got the pell grant and other free help from the government that did not require repayment. I had took out 2 student loans during this time through XXXX XXXX for classes that i could not use pell grant. I received XXXX one time and XXXX the second time. I had asked for forbearance to delay repayment due to unemplyment. I was denied. I ended up having income tax returns taken and i paid XXXX back through wage garnishment of half my paycheck and all my income tax for a few years. I did not owe all this money too them.
Consumer complaint received 2022-04-11
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. (OH)

I have several closed Charged off accounts on all 3 Credit Reports Transunion. XXXX. XXXX. The Accounts have been Charged off and Closed for 5 years Ive Disputed with Open Dates that are Inaccurate on all 3 Credit Reports and the Balance with Proof and they only update my Credit Report the Accounts should be Deleted due to inaccurate information and Falsely reporting On My Accounts. They are stating I cant Dispute these accounts No longer It is illegal to Report Inaccurate information according to the FCRA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (CA)

When we applied for a refinance and or a loan modification with Selene Finance, we were told Selene does not do refinances and we were denied 3 times for a loan modification till we approached CFPB. We were then approved for a loan modification. We had asked for a principal reduction and a lower rate of interest or a prepayment waiver. We were denied all 3 requests. By denying us all 3 requests, Selene is putting us in a position to fail as the payments are very high and we are locked into their system for 3 years. I have spoken to XXXX XXXX XXXX who I believe is a manager and at the time of the loan modification, he suggested to take the loan modification and then to refinance with another company as Selene does not do refinances. I addressed the prepayment penalty at that time and he said when you are close to getting a refinance ( which we are at this point ), to make the prepayment request to him. I have left 3 messages for XXXX XXXX with no response and this morning was told by XXXX that the waiver was denied. This is putting us in a very difficult situation. 
We would like for CFPB to please mediate on our behalf to either do a principal and rate reduction or to get our prepayment penalty waived. 
As we both our unemployed and can not find higher paying jobs, we need the help to reduce our monthly PITI payments to closer to {XXXX} per month. If Selene can not do so, they can release us and let us refinance with another mortgage company by waiving the prepayment penalty. Any assistance in this matter is appreciated.
Consumer complaint received 2021-05-15
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. (AL)

I sent a letter for Bankruptcy case number XXXX months ago of this item is inaccurate and has not been properly investigated. This is my second or third time asking XXXX, and Equifax to show proof of how they have verified this account, and they have yet to provide proof and I feel like I'm being taken advantage of. They only say " verified '' which isn't sufficient when I clearly asked for proof. It also shows me they aren't doing their proper due diligence concerning the matter. On XX/XX/2021, XXXX XXXX sent documentation stating that they removed bankruptcy case XXXX from their report. After that, I sent a dispute to XXXX and Equifax stating that XXXX XXXX has removed this account. XXXX XXXX is the company they report to, to verify bankruptcies. If XXXX XXXX has removed this account, XXXX and Equifax are lying or not going through proper investigation to verify items like they are supposed to do according to FCRA Laws. My family and I have been in much distress because we can't get any housing and were being denied for everything we apply for. At this point, I don't know what much else to do for help besides getting a lawyer to help.
Consumer complaint received 2021-05-15
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KY)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2017-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (DE)

In XXXX of 2015, I was asked to be a co-signer on a personal loan. After applying I was never notified or made aware of the payment or interest rate by the bank or the borrower to make a decision on whether I wanted to accept the terms and agreement and move forward with the loan. Upon finding out that the loan was actually taken out and I was a co-signer, I contacted the borrower and he advised he accepted the loan terms without my knowledge. I then contacted Navy Federal Credit Union and was advised I needed to sign the promissory note. In which I advised I was unaware of the loan and would not agree to sign it. I then made an attempt to contact the credit bureau to dispute it off of my credit report and it remained. On XX/XX/XXXX, I contacted Navy Federal again and was told that the promissory note was not signed and they did not need one to distribute the loan. Whenever you take out a loan the law requires you whether borrow or cosigner to sign the document which signifies your agreement to repay the money. In this case there is no agreement ( signed promissory ) advising that I accepted the responsibility of cosigning the loan with a payment of {$630.00} a month and an interest rate if 17.950 % for 60 months which is ridiculous. With this tells me is, if a person apply or in my case cosign a loan, I am a not provided with an agreement outlining the terms and conditions ( interest/payment ) and giving the opportunity to say either yes I agree with it or not I do n't. Which in this case I would not have agreed to it. I have not seen a promissory note nor does Navy Federal have a signed one on file with my signature agreeing to these terms. So essentially the process is - cosign a loan, provide no documents to cosigner to review and sign agreeing to the terms, just distribute the loan without the cosigner knowledge. If this is the process for Navy Federal Credit Union it is misleading and unfair.
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Current phone number as my contact is incorrect please update to correct phone number ( XXXX ) XXXX. Also a lien from XXXX XXXX in my credit reports is not correct. I did call XXXX court and sent them proof of documentation years ago and they were supposed to remove it but it never did.
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I received a letter from Fair Collections & Outsourcing Inc. requesting to pay for an apartment in a state I have never lived in. When I called to tell them this was not me, they told me they would send a fraud packet to confirm it was not me. When I received the packet, it was requesting information like my SSN, phone number, drivers license number, and other personal information. I did not send anything to them.
Consumer complaint received 2017-06-24
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)

In XX/XX/XXXX, I called Navient after they constantly called my mom. I told them I was homeless at the time, and I could n't afford to pay for anything. The guy was very pushy and insisted I make a payment. 'I 'm sure your parents would let you move in, right? ' I replied, 'No, that is n't an option. ' He just kept persisting, gave me absolutely no options to delaying payments and making suggestions on what to spend my money on. My only income was and still is XXXX. I got sick of it, and he said he 'd call me back the next morning wanting my debit card information. I never returned the call. While I eventually found a home, my mail was still sent to my mom 's address. <P/>Fast forward to XX/XX/XXXX. My XXXX payment was $ XXXX less than before. After getting the runaround from my debit card company, I called the Dept. of Education to find out what was going on. My XXXX checks were being garnished because my student loans defaulted. I NEVER received any mail or correspondence from Navient for that matter. I knew I had to do something, or else I would be on the streets again. I was garnished fromXX/XX/XXXX to XX/XX/XXXX. <P/>I knew about the total XXXX discharge, and I am XXXX, which I told Navient many times over the years. Navient does n't like anyone asking, mentioning nor suggesting it as a debt relief option about the XXXX either. They were rude when I asked for more information. I printed off the forms in XX/XX/XXXX, and in XX/XX/XXXX, my application was approved. Navient owed me for payments made during the approval process. They were very slow to return my money, but I got it eventually. <P/>If there 's a class action lawsuit, count me in.
Consumer complaint received 2018-07-11
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: Navient Solutions, LLC. (WI)

While reviewing my credit report, I noticed there was a student loan listed on my credit report from Navient which was apparently opened in 2007. I attempted to notify them that the account does not belong to me and I have never had a student loan, however they stated that my information was used as a co-signer on a student loan and I am responsible for the debt but would not listen to me that the account does not belong to me. 

I have never attended college so I have never had a student loan, my son was on XXXX years old in 2007 and has never had a student loan, and I never agreed to co-sign on a student loan so I filed a dispute with XXXX  and XXXX. Navient responded to the Disputes by " Certifying the information is correct '' and refused to remove the account from my name. I did not receive any further information regarding how the information was verified or certified by Navient, but XXXX and XXXX recommended filing a complaint if I did not agree with the results of the dispute. 

I feel it is unfair to report a debt against me that I did not authorize or agree to, nor should I be held responsible for a debt that I did not agree to or authorize. If my information was used to obtain a student loan, it was done without my authorization or consent and I should not be held responsible.
Consumer complaint received 2017-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK (NJ)

Discover student loans has failed to remove late charges on my account that were charged in error. These late charges accumulate to {$60.00} dollars which was reported to all credit agencies and negatively effected my  credit score. Discover has since removed the late fees that was reported to the credit bureaus ( only after multiple requests ), but has failed to remove the charges on my actual account. This has increased by first student loan payment by {$60.00}, which is a fraudulent charge. I called Discover  on  XXXX  and spoke with a representative who assured me that these charges were in error and that I would receive follow-up and guidance on how these charges would be removed and the expected date of resolution is  XXXX . I never received any follow-up from  Discover  and the charge of {$60.00} still appears on my account.     The kicker is that  Discover  does not even charge late payments anymore yet they failed to remove this late payment from my account ( which was erroneously added to my account in the first place ).