davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I sold my house to pay off over $ 60K in loans with Navient. I sat in XXXX  XXXX XXXX XXXX office and spoke to someone from Navient to get the payoff. They refused to fax me the amount so I had something in writing and would only verbally give me a payoff. XXXX XXXXXXXX XXXX sent the payoff check to Navient. Not once in my 45 minute conversation with the gentleman from Navient did he disclose that the payoff needed to be sent to two different addresses. They applied the entire balance to one of the loans and left the other two loans outstanding. I logged into my account a week later and saw a negative $ XXXX balance on the one loan and the others outstanding still. When I called the Navient employee told me the payment would be applied to the other loans but that it could take up to two weeks. She assured me that the interest that accrued in the meantime would be adjusted. Today I log in and there is a remaining balance of {$100.00}. Had I not logged in and seen this I supposed they would have just kept accruing interest on that balance and before long I'd have owed a XXXX again!!! This criminal company is already in trouble for bad business practices!!! When I called today I was told they can not adjust the balance. I said they why did you LIE to me and say that it would be taken care of? Why would I pay off over $ 60K in student loans except for {$100.00}?? They are CROOKS!!!
Consumer complaint received 2022-08-29
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. (NJ)

On XX/XX/2022, and again on XX/XX/2022 I filed disputes with all 3 credit bureaus transunion consumer solutions, XXXX, and XXXX. I disputed 4 items on my credit reports that are not mine. They are : XXXX. XXXX XXXX account # XXXX Account is not mine. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, ACCOUNT IS NOT MINE. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT #. XXXX, ACCOUNT IS NOT MINE. 
XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX. ACCOUNT IS NOT MINE. I HAVE SUBMITTED ALL PROBER PAPERWORK AND PROOF AND HAVENT HEARD ANYTHING BACK REGARDING THESR CLAIMS. PLEASE HAVE TH ROVE THESE FALSE ITS FROM MY REPORTS, THANK YOU.
Consumer complaint received 2022-03-04
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. (TX)

experian refuses to conduct a proper investigation on the disputes requested. 
even after several complaints have been filed this credit reporting agency allows wrongful information to be reported causing financial injury to my estate.
Consumer complaint received 2021-08-20
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: EQUIFAX, INC. (IL)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (MA)

I had a hard inquiry on my credit a month ago without my knowledge or consent. US SM BUS ADMIN ODA This was the company. My assumption is that this is an attempt at identity theft and someone is trying to open a small business loan related to covid relief funds in my name.
Consumer complaint received 2022-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX XXXXXXXX sent me a letter stating I do not owe the debt and it would be erased from my credit report in full. I have the letter from XXXXXXXX XXXX XXXX  stating that but they must have still sent it to a credit collections account that is report false information to my credit report. LVNV funding LLC I want this removed ASAP. This is reporting on my XXXX credit report as a collection account that shouldnt be there
Consumer complaint received 2019-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (NY)

On XX/XX/XXXX I mailed out a debt validation letter to Wakefield and Associates regarding a debt I don't recognize on my credit report. I've waited for nearly 2 months for them to respond and I have yet to hear back regarding the matter. I'm working on improving my credit at the moment and this trade line continues to hinder my progress.
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (GA)

Southwest Credit Systems has an erroneous account on my credit report. I have reached out to this company to remove this account from all three credit bureaus without success. When speaking with an agent of Southwest Credit Systems on the phone, I was asked to borrow money to pay this debt and told I was a loser for not paying my bills. I am not aware of this account and have never heard of XXXX. Would you kindly reach out to Southwest Credit Systems on my behalf to rectify this situation? 
Thank you, XXXX XXXX
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Creditor Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I just received my report and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be investigated. Please make sure everything pertaining to my credit report is correct. 
I have two accounts open and have only one account number, XXXX balance {$4900.00}, account number 2 is {$15000.00}. 
I have already paid off my student loan debt though my over XXXX XXXX XXXX XXXX in the XXXX XXXX. The XXXX XXXX by contract with me under the Student Loan Repayment Program, I signed XXXX XX/XX/XXXX. The debt was paid by the XXXX on or about XXXX. I paid taxes in XXXX for earned income credit when XXXX XXXX paid off student loan debt. I didnt receive any correspondence about my student loans until on or about XXXX. 
I have asked XXXX and the others before it was bought ( several times ) out to clarify and validate the following on all open/closed accounts. I have never received any specific correspondence in any regards to the accounts reporting to the credit bureaus. 
I have asked repeatedly for XXXX to provide the following information : *Loan origination documents *Pay off disclosure *Interest rate disclosure *Balance history ( with all companies that must be assumed to hold this debt since origination ) *Complete payment history *Credit insurance I, validate account Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account1  : XXXX Account 2 : Unknown This account should be closed, and so old that is should be removed from my history as an aged account. 
I respectfully ask for you to provide some kind of proof on these alleged items, specifically the contract, note, or other instrument bearing my signature. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
I also understand that under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided in fifteen ( 15 ) days of the completion of the re-investigation.
Consumer complaint received 2024-03-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: U.S. BANCORP (OH)

On XX/XX/year> U.S. Bank sent an initial closing estimate with fees associated for a mortgage loan. The credit report fee for this estimate was {$42.00}. The estimate was revised for reasons unrelated to fees on the following dates : XX/XX/XXXX, XXXX, XXXX, and XXXX. The credit report fee changed from {$42.00} to {$42.00}, {$540.00}, {$630.00} and {$710.00} respectively. Other fees were added after the initial estimate, including a " before final inspect '' fee of {$120.00}. 

Closing on a home is obviously stressful and time sensitive with many moving parts and contracts amongst many parties. The bank understands that opposing these changes is a difficult proposition given the time crunch I am under. The idea that U.S. Bank, in the top 5 mortgage lenders in the United States, would commit to this sort of exploitative practice is appalling.
Consumer complaint received 2023-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (TN)

This company continually fails to comply ( acct XXXX ). XXXX ) I have requested a copy of this companys TENNESSEE COLLECTION SERVICE LICENSE. The Tennessee Collection Service Board licenses and regulates collection agencies ( attached ). Tennessee Collection Service Act 62-20-105 -License requirement ( a ) No person/business shall commence, conduct or operate any collection service business in my state unless the business holds a valid collection service license issued by the board under this chapter-UNLICENSED ACTIVITY.

In addition,15 USC 1681 ( a ) ( 4 ) -I have the right to privacy.

15 USC 1681b ( a ) 2 -states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. Under 15 U.S. Code 1681c ( a ) ( 5 ) -states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years.

Ive also requested : 2.A complete Audit Trail calculation of this balance, including the complete payment history on account, so I have proof the debt amount is correct.3.Documentation that shows I agreed to pay you this debt with signature and which shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to having my information and unauthorized use of my social security number is identity theft and will be reported for such.4.The Agreement that grants you authority to collect on this alleged debt.5.The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you 6.Senior Executive from your office to Swear under penalty of perjury this corporation was present during the alleged debt 7.The Original Promissory Note on this Alleged Debt.

Multiple FDCPA violations. Sending deceptive forms, false & misleading representations, validation of debts, unfair practices. This will now be investigated by the FTC, CFPB, Tennessee Collection Service Board, and AG. Please, no adverse actions against me, and no reinsertions. I have to proceed with legal action for violations ALREADY committed if this collection is not closed and removed from my credit reports immediately.

Attached : 1 ) Full Dispute 2 ) FDCPA violations 3 ) Tennessee Collection Service Act 4 ) Credit Report 5 ) FTC Report
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (AZ)

I am being blacklisted by all businesses in America that provide international money transfer which has been going for five years nowl This includes XXXX XXXX, Xoom XXXX XXXX XXXXXXXX, etc. Xoom officials said I was denied their overseas money transfer services because I was listed on a list you maintain prohibiting any overseas money transfers I wish to send overseas. I have received the same explanation from all the other providers listed - no service. 

I don't have a criminal record, I always pay in cash and do not have a derogatory record and need to know what is the reason I am being deprived of this pubic service without an explanation or any basis for denying me service.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

I did not consent to these negative reportings ( 5 missed payments ), on my credit report. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. DATE OF OCCURENCES ; Reporings from ; XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and one updated which damage was already done on XX/XX/XXXX.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (OH)

Affirm reported three accounts as late on my credit report. They are not late and I have an impeccable payment history with them. I have contacted three times and just get a round about. They do not have a way to call so I can only email my requests to have these removed. This inaccurate reporting is affecting my credit worthiness. My accounts with Affirm are current and payments were processed on their due dates.
Consumer complaint received 2022-08-29
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: Designed Receivable Solutions, Inc. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Consumer complaint received 2019-09-17
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. (MI)

I recently disputed an item on my Experian credit report and the results came back as being accurate. XXXX/Univ of XXXX has an item on my report stating that {$1100.00} has been charged off. The issue that I have with this reporting is that the report reflects a balance of {$1100.00}. If this amount have been charged off, this should not be reflected as a balance on my report. Its listed as the original balance which is correct. Listing it as a balance while also indicating that is charged off is inaccurate. I am once again requesting that this account is deleted from my report as I have given Experian the opportunity to update this account, however they responded informing me that this account was accurate.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

Never issued this fraud alert and unless requested by me, Experian better not issue another one. Remove this fraud alert immediately, FCRA violation. 

Please provide documentation of who issued this fraud alert when and what address. 

Copy of Alert : Consumer Statement XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Do not extend credit without first verifying the identity of the applicant. This security alert will be maintained for 1 year beginning XX/XX/XXXX.
Consumer complaint received 2024-03-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Credit acceptance sold my vehicle for XXXX and wants me to pay back over XXXX for a car thats not worth that amount of money. I also feel that the XXXX they sold it for wasnt true it was XXXXXXXX XXXX XXXX  value was {$11000.00}
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nationwide Recovery Systems, Ltd (DE)

XXXX allowed an inaccurate account to be furnished on my credit report. XXXX did not investigate this account prior to it being placed on the account. XXXX has proof that the account should no longer be on account. This made the consumer 's credit score go down significantly, with no valid proof. 

Also, it appears that Nationwide Recovery Systems , Ltd shared or furnished my personal information to another creditor without my CONSENT, which was with the National Recovery Agency. Nationwide Recovery Systems provided notice that this account was closed and that it would no longer be reflected on any credit report. This made my credit score decrease significantly and has had an adverse impact on my credit.
Consumer complaint received 2022-08-29
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. (NJ)

On XX/XX/2022, and again on XX/XX/2022 I filed disputes with all 3 credit bureaus XXXX XXXX XXXX, Experian, and XXXX. I disputed XXXX items on my credit reports that are not mine. They are : XXXX. XXXX XXXX account # XXXX Account is not mine. 
XXXX credit XXXX XXXX XXXX XXXX, ACCOUNT IS NOT MINE. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX #. XXXX, ACCOUNT IS NOT MINE. 
XXXX. XXXX XXXXXXXX. ACCOUNT NUMBER XXXX. ACCOUNT IS NOT MINE. I HAVE SUBMITTED ALL PROBER PAPERWORK AND PROOF AND HAVENT HEARD ANYTHING BACK REGARDING THESR CLAIMS. PLEASE HAVE TH ROVE THESE FALSE ITS FROM MY REPORTS, THANK YOU.
Consumer complaint received 2022-08-29
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. (PA)

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 2022-08-29
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. (PA)

All negative adverse accounts placed on my report is causing me mental anguish. I never gave any authorized consent to report anything adverse on my consumer report. They violated Title 15 USC 1681b. They reported negative things without asking me for permission to do such atrocities.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (OH)

Tracking pixel All emails from this company contain tracking pixels. Also known as web beacons, theses secretive codes are embedded in all service emails and are designed to collect IP address, device and browser details, time, emails forwarded to, their private info etc. Unlike cookies, there is no request for customers ' consent, and prior privacy disclosure is ineffective as per all privacy laws. After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with reasons and optout options. After complaints via public boards, only things I heard are PR statements such as reference to privacy statements and ultimatum about unwillingness to remove secretive trackers.
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (FL)

THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY CREDIT REPORT THAT I DID NOT DO. SOMEONE USE MY INFORMATION TO APPLY FOR ACCOUNTS IN MY NAME AND TO FILL OUT APPLICATIONS THESE ARE THE FRAUDULENT INQUIRES ON MY REPORT 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX  3.XXXX XXXX XXXX  4.XXXX/XXXX   5XXXX XXXX 6.XXXX XXXX 7.XXXX   XXXX