davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

i owe money on an old Sallie Mae student loan. I have n't kept up payments i am a section 8 and food stamp recipient. I hear so much about student loan forgiveness but I havent obtained any direct information. My loan balance upward {$11000.00} and constantly going up due to the interest and penalty fees. It has been in default for over 7 years. How can I find outif I qualify for for student loan forgiveness also why has n't my account been tagged for student loan forgiveness. i have so much debt and i really need to get my finances in order now.
Consumer complaint received 2023-06-13
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)

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 2022-07-25
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 605B ( 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 4 business days after the date of receipt.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023, I deposited a {$3000.00} check to my account. Chase put the account on hold as a result of this deposit, and subsequently Chase closed my account and only returned {$16.00} that was in my account while withholding the entire {$3000.00} check. Chase stated that they will not disburse funds from the {$3000.00} check without verification over the phone from the maker of the check " XXXX ''. I have not been able to get a hold of this company over the phone, and Chase has not been able to get a hold of this company over the phone through their verification system either. 

The check was deposited via mobile deposit. The check has cleared for over 21 calendar at this point. The merchant that wrote the check has not contacted Chase to request a dishonor or stop payment on the check.
Consumer complaint received 2019-03-29
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. (GA)

I was advised to contact this agency about items on my credit that are not mine. XXXX, XXXX AND XXXX. I have contacted the FTC and my local police. There are also inquiries on my report that e.re not mines.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-08-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

Hunter Warfield is attempting to collect a misrepresented amount. They are trying to collect interest, fees and other charges on top of the amount that was originally owed. This debt is a joint debt. I sent Hunter Warfield a letter in which the XXXX XXXX leasing office signed paperwork for me to move out to a different apartment. I disputed this charge and sent XXXX XXXX a 30-day demand letter to which I never received a response. This letter was emailed and sent certified mail.
Consumer complaint received 2023-06-13
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. (LA)

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 2022-07-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a letter to the TransUnion Credit Bureau XX/XX/2022 to update this suspicious information.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-28
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. (GA)

I'm in the process for purchasing a home for my family and there are items on my credit that are not mine. I was advised to contact you guys and also I contacted the FTC and the local police. I hope that you guys can help me get this taken care of. Please remove XXXX XXXX, XXXX XXXX XXXX and XXXX.
Consumer complaint received 2018-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

Recently there was a {$3000.00} medical debt added to my Equifax Report. I have no idea what this is and I believe it is a result of identity theft. I have been having these issue for some years now. I dont not owe XXXX Hospital/XXXX XXXX {$3000.00} collection as I dont not or have not attended there. I have disputed this with them as well and it's being investigated. They have no record of my authorization, medical records, cards etc just a name no Identification etc. XXXX  has already investigated and determined that it did not in fact belong to me and has had it removed from my report. This has affected.my Equifax Report substantially in a negative way. Please have this item removed from my report as soon as possible as it has hindered me from being able to obtain credit for a new car purchase. I have Reached out to Equifax several times with no regard.
Consumer complaint received 2022-06-20
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. (NC)

accordance with the Fair Credit Reporting act XXXX XXXX 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 2023-03-17
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: CREDIT ACCEPTANCE CORPORATION (NC)

In accordance with the credit Reporting act XXXX XXXX has violated my rights 15 usc 1681 section 602 states I have the right to privacy 15 USC 1666B : A creditor may not treat payment on a credit card account under an oean end consumer credit plan as late for purpose
Consumer complaint received 2018-08-03
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: Santander Consumer USA Holdings Inc. (TN)

I have been disputing Santander Consumer reporting to my credit for the past coupl of months as they have been reporting the account as open and reporting a missed payment. The account was closed in XX/XX/XXXX/XX/XX/XXXX and shows a comment as charged off/written off on my report. However since XX/XX/XXXX they have been reporting again a missed payment and a open account. I have disputed with XXXX   and they advised me all I could do was continue to dispute every time the report or open the account.
Consumer complaint received 2022-03-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Velocity Portfolio Group (MI)

It was reported to the bureaus after coming to an settlement agreement that I was delinquent in payments although the payments were made. The account was paid in its entirety with second payment. Companies involved both claim no responsibility with reporting to credit bureaus. Account still remains as a delinquent collection after payment was received. It also shows it was settled and the account was paid in full not settled. The amount owing was {$560.00} and the full amount was paid, not a settlement.
Consumer complaint received 2022-03-08
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. (GA)

I have disputed with transunion regarding authorized and fraudulent accounts activity, hard inquiries ony transunion report for the last 11 months with no success or resolution. Tranuiom refuses to delete incorrect information and accounts, inquiries that are not mine and also refuses to provide me with proof confirmed report after completing thier due diligence. I Transunion has repeatedly been asked to correct information on my credit report, such derogatories places a even gardree burden and we are desperately trying to recover from the pandemic.

In the 11 months there has been 21 hard inquiries places on transunion report and despite the orher credit agencies Removing in accurate information transunion has yet to perform new diligence and and take the necessary steps that is needed to correct this ever
Consumer complaint received 2018-08-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Westlake Services, LLC (NY)

On XX/XX/2018 purchased a XXXX XXXX XXXX from XXXX XXXX XXXX for {$22000.00} with a {$5000.00} downpayment as requested.The car was sold under fraudulence with a bad motor.Car was returned that same week to dealer who stated that they would fix.The dealer was unable to fix the car so i demanded a refund.Dealership refuses to refund back money stating i refuses to let them use the car warranty to fix it.I then decided to contact consumer affairs and file a complaint in court.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Goal Structured Solutions, LLC (TX)

This complaint is directed against three companies listed below, - Stilt ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ) - XXXX - XXXX Both of my credit reports with XXXX and XXXX currently include a personal loan with XXXX. In both cases, the last update was received in XX/XX/XXXX. The account shows in both cases as paid on time and open. This is incorrect in two ways. Firstly, payments were made on time in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has not reported those payments to any credit bureau as of XX/XX/XXXX. Secondly, on XX/XX/XXXX, XXXX sent me an email detailing that servicing would be transferred to XXXX XXXX on XX/XX/XXXX. This email is attached. 

In XX/XX/XXXX, I began making payments to XXXX XXXX and that company has correctly reported those payments XXXX and XXXX ( not XXXX ). As a result, my XXXX report incorrectly shows me as having an open personal loan with XXXX and an open personal loan with XXXX XXXX. My XXXX report shows me as having an open loan with XXXX. 

In XX/XX/XXXX, I opened disputes with both XXXX and XXXX, detailing the above information. Both companies claimed to have conducted investigations and both found that my dispute was not merited. They both certified that my credit reports are accurate and that XXXX had verified that the information is correct. This is simply not true and contradicts the email that XXXX sent me in XX/XX/XXXX. 

It is the case that either XXXX has not provided a truthful response to XXXX and XXXX and/or that both of these credit bureaus did not conduct a bona fide investigation. In particular, how could either of these two credit bureaus be satisfied that the information is accurate? If indeed my account with XXXX is open and paid on time, how could it concurrently be the case that no payments have been reported since XX/XX/XXXX? This is contradictory and suggests that XXXX and XXXX did not perform a good-faith investigation.
Consumer complaint received 2022-06-20
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. (MI)

THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE RUIN PEOPLE 'S LIVES AND THAT'S WHEN XXXX AND MENTAL DISABILITY COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.
Consumer complaint received 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist explained to me that payments were applied to my mortgage. I was reading it wrong. 

However the payments I made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX do not appear on my payment history. I'd think Truist would notice 1/3 of the year missing. But this wasn't mentioned. 

I also asked for check copies between XX/XX/XXXX and XX/XX/XXXX. Not one image was provided to me.
Consumer complaint received 2019-03-29
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. (GA)

I was advised to contact this agency regarding items on my credit that are not mine. The first time I noticed something weird is when I applied for a XXXX account and was not approved. I then went to my bank who I have bank with for the past 6 years which I also have car loans with and they did not approve me for a personal loan. Please take these items off my credit. I have contacted my local police and the FTC. XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf.
Consumer complaint received 2019-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

This is Identity Theft case. I didnt use this Discover card for years. I do not aware of this dispute until XX/XX/2018 after I received all letters of the delinquency of my credit cards. My record now is clear after disputing to XXXX back in XX/XX/2018. Except Discover card is back and force to send the same information to me. And forwarded to XXXX & XXXX for further question, I did send addition documents such as XXXX form, Utility Gas bill & my Driver license. Discover again sent me a letter which ignore what my additional documents, but just insisted the card is belong to XXXX
Consumer complaint received 2018-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

transunion or XXXX  is not letting me monitor my account which is a violation b/c of my id theft and been charged fees in the state of texas if youre a victim all fee 's are waived
Consumer complaint received 2023-08-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC (GA)

The account in question was opened XX/XX/XXXX. Ever since I discovered it, I've been trying to correct the error. From XXXX XXXX XXXX XXXX XXXX XXXX XXXX everytime I dispute the validity of the account, asking for the legal documents that verify that I'm responsible for this account, all I get in return is " BMW certified the account as accurate without any evidence without any evidence of the certification. As a result the erroneous report still remains. 

I've been turned down for home loans, business loans as a result of this negative and inaccurate report from BMW Financial Services. XXXX is the account number on file XXXX. 

I'm yet to receive any physical communication with evidence that I own the account. This account has gone through collection phase, charged off phase in XXXX reported paid as agreed In XXXX XXXX XXXX and now in charge off phase again. These irregularities and re-ageing has cost me a whole lot. Not only will they not provide me with the proof I asked but still report the account as accurate
Consumer complaint received 2018-12-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mills Escrow Company (TX)

We had requested Mills Escrow Company to transfer XXXX XXXX accounts to a new servicing company XXXX XXXX on XX/XX/2018. 

We sent out a check certified mail to close out the accounts and it was received by Mills Escrow via the notification of the certified mail. Mills has stated that they could not find the check. Since they had not closed out the accounts I have asked them to take the close out fees from the lender income. 

Yet we are still waiting for them to be closed out.
Consumer complaint received 2022-03-08
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. (LA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-08
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. (LA)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.