davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2022-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

Ever since my loan servicer has switched from XXXX XXXX to Navient as of XX/XX/2022, I receive monthly notifications from Navient to refinance/consolidate my federally held loans into a private loan from Navient. These letters did not start until Navient received my loan information as a my new servicer. This practice is predatory and is utilizing my data, obtained through a government contract, for their private gain to actively try to remove my loan from the federal system and convert it into a privately held loan. This would remove protections and options for my repayment that are only available as federally held loans. 

This is predatory and misleading and is the only communication I have received from Navient about my federal student loans, despite them being my new loan servicer.
Consumer complaint received 2022-02-05
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. (CA)

I am saddened to report that XXXX, Experian and XXXX are reporting fraudulent information on my credit reports. I did my very best to resolve this issue by submitting a FTC report to prove the accounts don't belong to me. However, they continue to blatantly disregard the affidavit. This act of inconsideration and disrespect is causing me extreme anguish and Im strongly considering seeking litigation. Please help me ASAP. Thank you.
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation (NC)

I received a copy of my credit report and saw that USCB had attached a collection account to my credit for a delinquent account with XXXX XXXX opened XX/XX/XXXX. This does not belong to me. I contacted USCB and spoke to XXXX XXXX and stated I wanted to dispute the negative information on my credit as the account did not belong to me. I requested he mail me a validation of debt along with the original application and signature. I allowed far more than XXXX days to receive this information and I have received nothing. I then contacted USCB via the email address on their website as this is a form of electronic communication. First and foremost, the email address on their website has the wrong extension being XXXX when the correct extension is XXXX which suggests this is an intentional means to further ignore customer requests. It states on the website that the email address was to address consumer claims, however, without realizing the email address provided is incorrect, USCB simply states they received nothing. Again, this is against fair debt collection practice in addition to being in violation of the XXXX. I checked my report today XX/XX/XXXX and I noticed USCB is again attaching erroneous and fraudulent accounts to my credit report that do not belong to me. I have never done business with either company at any time. The other collection is from XXXX XXXX XXXX. This is not my account. This is reported as an account opened in XX/XX/XXXX. Again, never have I done business with this company. USCB does not send validation of debts, or the original application and signature as requested. USCB is in violation of the consumer protection laws, and they are in violation of the XXXX. I have spoken directly to USCB and I have disputed the account and they have provided no information and they have not corrected my credit report. I intend on following up and taking the necessary steps to completely and fully remedy the situation and see to it that USCB takes responsibility for the violations. There are penalties and damages imposed on debt XXXX who attempt to collect a fraudulent erroneous debt and for violating the XXXX. XXXX XXXX is the representative that I spoke directly to and I will hold him personally responsible along with USCB corporation.
Consumer complaint received 2022-02-04
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. (MD)

On XX/XX/2021 I submitted a complaint to the CFPD, in regards to Transunion furnishing an inaccurate credit report. On XX/XX/2021, the company responded back saying they will update me within 60 days, by law the credit bureaus only have 30days to investigate. I did not receive any correspondence as of today regarding my complaint. I am requesting a Cease and Desist from this company other then mail or through the CFPD website. I also request an updated credit report, this can be sent with a link through the CFPD.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (DE)

I submitted a complaint with ID # XXXX on XX/XX/31. Wells Fargo 's response was a complete and utter lie. They said that they investigated themselves and found that they did nothing wrong, and I have no recourse as the CFPB blindly accepted Wells Fargo 's version of events. My wife independently verified the deposit prior to placing it in Wells Fargo 's ATM, and to this date, Wells Fargo has not provided me with any proof or documentation of the accounting history of that ATM, or the cassettes inside, and are just telling me to trust them. We had literal tens of thousands of dollars in deposit accounts at Wells Fargo, and well over 100k moved through our accounts per annum. Why would I be trying to scam them out of {$100.00}, and why do you, the CFPB, the organization who is supposed to be looking out and PROTECTING the consumer, allow them to steal from us with no recourse or evidence whatsoever.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Please accept this message because it is very important for me. I hope we find mutual understanding and you will remove and recheck wrong items in my credit report. I would like officially to complain about that fake account and inquires in my credit report. I am victim of identity theft an recently my information was stolen a=so please remove these fake inquires and account.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Experian continues to report inaccurate information onto my consumer report. My name is XXXX XXXX XXXX that should be the only name on my consumer report all the other names should be deleted immediately because they are not mine and I have stated this on several occasions and you have been provided identity documents. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX any other address is incorrect and should be deleted immediately. Delete all those phone numbers they are not mine. Experian continues to violate me everyday although I have called and submitted disputes they still continue to report inaccurate information this is a violation of FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX CREDIT is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (LA)

I was a victim of identity theft and fraud. My account was hacked and someone sent their self over {$3500.00} to a XXXX. I have filed a police report and also have tried to get the money back. My money was stolen from Regions Bank and through cashapp and I am elderly and do not know these people at all who have robbed me.
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

A payment I submitted was returned due to insufficient funds, total accident from a loyal customer. The company closed my account without even speaking to me once. I also re submitted the payment which actually went through. The company closed my card and submitted my balance over to the bureaus ( defemination of character ), reporting a balance that is over and inaccurate.
Consumer complaint received 2022-02-25
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 — 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 XXXX XXXX, 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 THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2021-10-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IL)

Navient XXXX XXXX XXXX XXXX PA XXXX is the lender.. XXXX they are calling 5 to 6 times a day. " robocalling '' my work phone. 

I've asked them to stop but the calls continue... Even being paid up, it's now stop..
Consumer complaint received 2022-02-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My Issue is that my credit score which access through my bank 's application show different figures than what a Mortgage company recently run my credit score as I'm applying for Mortgage, to more clarify the Issue, my credit score that I see on my XXXX XXXX APP SHOWS THAT MY SCORE IS XXXX ALSO MY SCORE WHICH I SEE ON THE CASE BANK APP IS XXXX AND THE SCORE I SEE ON XXXX  XXXX APP SHOWS XXXX BUT WHEN i APPLIED FOR MORTGAGE THROGH A MORTGAGE COMPANY CALLED GURANTEED RATE AFFINITY THEY ADVISED ME THAT MY XXXX XXXX IS XXXX THROUGH XXXX, THIS IS REALLY CONFUSING BECAUSE ITS ALMOST 80 POINTS LESS THAN WHAT I SEE ON MY BANK 'S APPLICATION I REALLY NEED EXPLANATION AS THIS IS AFFECTING MY LIFE DUE TO THAT FACT THE MORTATGE COMPANY MADE ME STUCH IN FHA LOAN ONLY FOR CERTAIN AMOUNT THAT CAN'T QUALIFY ME TO FIND A HOUSE TO LIVE IN I REALLY NEED TO KNOW WHAT IS MY REAL SCORE IS THIS THERE IS A BIG GAPE BETWEEN WHAT THE BANK APPLICATION SHOWED ME AND THE MORTGAGGE COMPANY. 
IF I HAVE A PROBLEM ON MY CREDIT REPORT THEN I NEED IT TO BE FIXED HOWEVER IF MY CREDIT REPORT IS MATCHING WHAT MY BANK 'S APP SHOWS THEN I NEED A PROVE WHICH IS GOING TO HELP GET MY PREAPPROVAL OF THE MY MORTAGAGE RAISED AND CONVERTED TO CONENTIONAL LOAN
Consumer complaint received 2022-02-25
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. (AL)

Please be advised this is my XXXX WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the XXXX 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? 

You have NOT provided me a copy of ANY original documentation required under XXXX XXXXXXXX ( XXXX  ) ( XXXX ) ( XXXX ) & Section XXXX ( XXXX  ) ( XXXX ) ( XXXX ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( XXXX ) of the XXXX 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 ( XXXX XXXXXXXX ) 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 XXXX 

I demand my accounts be verified or deleted immediately. 


( Attached, I have my Credit Bureau XXXX, XXXX forms of ID, XXXX XXXX )
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I requested to all three credit bureau to update my full name and they refused to update
Consumer complaint received 2019-07-30
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-02-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-25
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: Experian Information Solutions Inc. (PA)

While reviewing my credit report I noticed some things that alarmed me. I noticed someone was using information to get financial aid of some sort in the form of student loans and other things. It was alarming because this was not me nor did i give anyone permission or consent to use my information this was not.
Consumer complaint received 2022-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MO)

I noticed that my student loan balance increased. I called Great Lakes since I thought with XXXX the interest rate was XXXX since XX/XX/XXXX. I requested a copy of all payments and interest on my loans to ensure the current interest rate was XXXX, and that I was not charged interest since XX/XX/XXXX. 

Once I received the report, it made no sense to me. The unpaid principal balance has not changed in XXXX years and this is regardless of what the payment amount is. For example, my unpaid balance on XX/XX/XXXX was {$100000.00}. I made varying payments between XXXX and XXXX, and yet the unpaid balance remains the same {$100000.00} as of XX/XX/XXXX. 

This makes no sense. So, I called back to Great Lakes, and this kind lady told me that the interest is not being paid each month with my monthly payment, therefore the balance decreasing. I told her that can't be, or the unpaid principal balance would be increasing and its not. 

I see on the report that capitalized interest was added in XXXX, and that brought the balance from {$96000.00} to the {$100000.00}. Then at some point, I can't see the date, capitalized interest was added again, now bringing the total to {$100000.00}. Why are interest charges not listed on the report but added randomly? 

This representative assisting me was asking other people for assistance and she kept putting me on hold, and when she would return she kept telling me over and over the same thing. 

Again, this makes no sense. All the payments I've made, and all the interest being charged to me, and the unpaid balance never changes? It doesn't even increase if I'm not paying enough to cover the interest being charged monthly. And then I see an increase in what is owed? Its very confusing.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please accept this message because it is very important for me. I hope we find mutual understanding and you will remove and recheck wrong items in my credit report. I would like officially to complain about that fake account and inquires in my credit report. I am victim of identity theft an recently my information was stolen a=so please remove these fake inquires and account.
Consumer complaint received 2015-06-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL (NC)

XXXX XXXX is trying to sue me for a debt that the sol in NC has run out it run out XX/XX/XXXX i do n't have a contract with them these people do n't stop look i just had my XXXX took off and recovering from XXXX XXXX now they saying i have to be in court XX/XX/XXXX police have n't gave me anything please help me thank you XXXX
Consumer complaint received 2022-02-04
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. (FL)

Pursuant to 15 USC 168 the the FCRA ( Fair Credit Reporting Act ) -XXXX, XXXX and Equifax has unlawfully used and or reported on my credit file causing great harm to my family and I. I have never authorized, by written wet ink, XXXX to furnish or report any information regarding my credit file.