davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CT)

I have been dealing with an issue with Navient fka XXXX XXXX for several years now. A private student loan was fraudulently obtained in my name by a former friend. I have told XXXX/Navient on numerous occassions that the loan was fraudulent and they refuse to remove me off of it. The loan was put into deferment, and came due in 2015. The harrassment has resumed ; they call me multiple times a day ( as many as 10 times ), send me threatening letters of legal action, and now have lumped the loan on my online account with my student loans. I have demonstrated to Navient that the loan was fraudulently obtained, I filed a police report, filed a lawsuit against the former friend and won judgement in the amount of the loan, yet Navient will not cooperate ; I have documentation of everything. The promissory note is clearly fraudulent, my information is incorrect, the salary is falsified, and the references used for me are not even people I know, they are relatives of the borrower. Please help me in this situation. I can be reached at XXXX. Thank you.
Consumer complaint received 2022-12-03
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX  XXXX Balance {$550.00} ; XXXX XXXX XXXX Balance {$61.00} ; XXXX XXXX XXXX XXXX {$2700.00} ; Original : XXXX Balance : {$33.00} ; XXXX XXXX  Date of Inquiry : XXXX ; XXXX Bank XXXX ; XXXX XX/XX/2022.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N 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 COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-02-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2021 Navy Federal Credit Union denied me of credit. 

Federal law make it clear that a consumer can not be denied of a God given right. Banks dont have the power to lend money or credit. Banks function because of consumers. As a consumer I extend my credit to Navy Federal Credit Union and thats how they become a creditor. Im at the Original Creditor. Banks are corporations/corps mean it is a dead entity, banks cant talk, banks are powerless. I am the natural person. I have the power. Navy Federal Credit Union violated my rights as a consumer.
Consumer complaint received 2021-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found accounts in my credit profile that are not mine. Also I found unknown inquires. I am very sad due to this fraud. They are fake accounts and do not belong to me. What to do? I can not move on at all now, could you please investigate and after you finish delete them and report Identity theft?
Consumer complaint received 2022-12-03
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: CLGF Holdco 1, LLC (TX)

Shows a hard inquiry on my credit report that I never done. It was for CB Indigo on XX/XX/2022. I called them directly and told me it was going to be removed around XXXX and never went through.
Consumer complaint received 2022-12-03
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)

This is my second-time requesting 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 accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (NJ)

XXXX from the Western Union Executive Business Resolutions has not resolved case XXXX. The Regional Operations Manager 's actions were never clear and did not resolve anything at XXXX XXXX XXXX. I am still banned there ; XXXX XXXX still works there, and I am still angry. This so called " Regional Operational Manager '' that was in charge of this area had done nothing about Mrs. XXXX since there is no proof of anything done to XXXX XXXX XXXX. Until I speak to the Regional Operations Manager about this case, I will never believe anything that is said here
Consumer complaint received 2022-02-03
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. (GA)

Im disputing that Equifax hasnt responded back within their 30 day window. I mailed my certified letter off on XX/XX/XXXX. By law their obligated to respond within 30 days.
Consumer complaint received 2022-12-03
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. (DC)

Privacy and Confidentiality under 15 USC 1681 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 an 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 2022-02-22
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 have a XXXX XXXX XXXX account with XXXX XXXX out of XXXX ca for a auto loan back in XXXX  that should be off my credit report also on my credit report with XXXX a balance of 0 $ owed and that it is closed I never made any late payments and they still said it was not delegate I would also like transunion and XXXX to remove it also off my credit history report instead of showing a paid 7 year debt resolved/closed with a delinquent balance
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX/XXXX/XXXX  # XXXX, XXXX, XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX # XXXX , violated my 609 rights by reporting incorrect information to Experian regarding my credit file. 
Experian further violated my rights by adding incorrect information to my credit profile for others to view. They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (IN)

After extensive review of credit report after a prior divorce from a fudiciary noticed this account, and have/had no clear recognition of this account/transaction or any of the kind or similar by this company or affiliates. I have tried contacting them on several occasions to inform them of mental status of mental incompetence and my legal inability of not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353. After calling their customer service number multiple times and disputing the validity of the account all that would be done is more negative marks on credit report and harassment from the customer service representatives that were doing nothing to assist and only making accusations of false claims of mental status from military service related injuries and medical related issues.
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I consumer and Natural person have been violated by Transunion. I have disputed inquiries on my consumer report and it has been more than 30 days with no response. Transunion has used and furnished my consumer report without my written consent or verbal authorization. I have been denied credit due to their wilfull non compliance to accurately verify information before furnishing a report on my behalf. I have inquiries showing on my report that are not tied to any open accounts and/or any extensions of credit. These inquiries are damaging my consumer reputation. Before furnishing a report a Credit reporting agency shall follow reasonable procedures to assure XXXX possible accuracy of the information concerning the consumer the report relates to pursuant to 15 USC 1681e ( b ). transunion has failed to do this. According to section 604A ( 3 ) ( a ) there must be an extension of credit as well as the inquiry allowing for Permissible Purpose to keep and validate and report any inquiry on a consumer report. The following inquiries listed and dated attached to this complaint are not inquiries resulting from an extension of credit, nor any experiences or transactions I have authorized. I ask that transunion carefully review this information including my consumer report and delete these inquiries.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-02-22
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 found some unauthorized inquiries on my credit report which I requested to be removed by their fraud department and I was told to do a XXXX report and they can investigate and remove. I did just that and when I called back TransUnion I was told to call every company and request a letter of deletion which I was told they dont do. I called XXXX I was told that they are a software company and dont have my record. I called XXXX I was told that the do not have that inquiry on their system and I was not able to contact XXXX XXXX and XXXX.
Consumer complaint received 2022-02-22
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 sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as remove or update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX Balance {$2.00}, XXXX  XXXX Balance {$400.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$1000.00}, XXXX XXXXXXXX Balance {$570.00}, XXXX XXXX XXXX Balance {$1100.00}
Consumer complaint received 2022-12-03
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)

This is my second-time requesting 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 CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX .... Balance {$1000.00} ; Collection Associates Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$80000.00} ; XXXX XXXX XXXX .... Balance : {$200.00} ; XXXX XXXX XXXX .... Balance : {$63.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-22
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 have a XXXX XXXX XXXX account with XXXX incorporate out of XXXX ca for a auto loan back in XXXX  that should be off my credit report also on my credit report with equifax a balance of XXXX XXXX owed and that it is closed I never made any late payments and they still said it was not delegate I would also like XXXX and XXXX to remove it also off my credit history report instead of showing a paid XXXX year debt resolved/closed with a delinquent balance
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

After XXXX XXXX account XXXX was deleted as unverified, it was reincerted back. 
According to :15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I have never received any notes from any of CRA.

Futhermore, Following FCRA procedures was never executed and therefore not only CRAs do respect FCRA but at the same time violating Metro-2 and E-Oscar compliance procedures.
Consumer complaint received 2021-06-11
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

please review the following accounts, which were reported on my credit, without ever having been authorized XXXX Account Number : XXXX This is not mine. 
CAPITAL ONE Account Number : XXXX This is not mine. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine. 
CAPITAL ONE Account Number : XXXX This is not mine. 
XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-02-22
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

Today I attempted to set up automatic payments for my mortgage. After selecting my mortgage account and immediately upon selecting " Set up automatic payments, '' Chase 's website reported the following error : " One of the accounts you're using isn't eligible for this transaction. Please choose a different account. ( Error code : XXXX ) '' I contacted Chase mortgage by telephone and reached someone who would only identify herself as " XXXX. '' She told me she would call me back in a few minutes after she found someone who could help figure out the problem. I never heard back.
Consumer complaint received 2021-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report. 

Please see attached documents of proof of me sending the letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very serious that you please investigate and resolve as this is destructive to my character and is obstructing my potential to obtain loan.
Consumer complaint received 2021-06-11
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: AMERICAN EXPRESS COMPANY (MA)

I have this accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft AMEX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.