davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a check. It was a gift of {$5000.00}. I went to deposit the check on Friday the XXXX of XXXX. I received a notification that the check was put on hold due to the amount in the check is larger than I normally deposited so that was normal to me. On the XXXX of XXXX, I go to log in to my account because I just want to see how much I could spend on gas. The account was locked and I was not able to get in. Wednesday the XXXX, I called Bank of America to see what the problem was and why my account was locked and they told me that the check I had tried to deposit was a counterfeit check. I didnt know that. It looked like a real check from XXXX/XXXX. Now Im cant bank at Bank of America anymore and I having trouble trying to find a new bank.
Consumer complaint received 2022-12-01
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)

I have been contacting the company about my current situation I have been trying to get to investigate this matter but I guess I should now ask for the help of the authorities to get the matter resolved. Now Please remove the negative items while the FTC are doing the investigation.
Consumer complaint received 2021-03-09
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: Santander Consumer USA Holdings Inc. (NY)

CHRYSLER CAPITAL Inquired on XX/XX/2019, XX/XX/2019 add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-03-27
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. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-01
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. (CA)

This is my other request 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 XXXX XXXX  XXXX Balance - ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX Balance {$8900.00} ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance {$840.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-11
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. (CA)

I have been dealing with Sallie Mae, now Navient, for the past 14 years regarding repayments. They have forced me to refinance at higher rates than the supposed fixed rates that I borrowed at. They have also reported me to multiple collection agencies for the same loan that went into default. I finally settled with one company and paid it back for a lesser amount in total. Now they have sent that same loan that I settled to another debt collection agency and they're trying to extort more money out of me. I am current on all other loans with Navient.
Consumer complaint received 2023-03-27
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. (TX)

For the last 6 months i have tried to resolve this matter in regards to my credit report after reviewing my credit report I never opened account with any third party company and therefore under 15 USC code 6802 B opt out law the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I do not consent to my dispute being graded with any electronic eoscar system. I demand a human to process this and if you deem the items as validated or verified i demand you to include 1.Names of The employees and officers of the company.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (NJ)

NAVIENT is reporting incorrect information on my credit report. I went to school on a full-ride scholarship and someone obtained financial aid in my name. This issue is pending SUPREME court. NAVIENT is very well aware of this situation and you need to stop them from reporting fraudulent information on my credit profile. Under The Fair Credit Reporting Act ( FCRA ) there are procedures for correcting fraudulent information on your credit report and requires that your report be made available only for certain legitimate business needs. 

Under the FCRA, both the consumer reporting company and the information provider ( the business that sent the information to the consumer reporting company ), such as a bank or credit card company, are responsible for correcting fraudulent information in your report. To protect your rights under the law, contact both the consumer reporting company and the information provider. 

PLEASE STOP REPORTING
Consumer complaint received 2021-03-09
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: Southwest Credit Systems, L.P. (WA)

I am writing to you because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in the report prevents me from achieving the desired results. 
I am kindly requesting your agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me. 

SOUTHWEST CREDIT SYSTEMS Reported : XXXX XXXX, 2021
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for 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
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

this is second time i write to this agency still my issue not solved! i don't know what to do i thought this agency have power to solve problem but it seems it isn't! 

I want to file complaint against capital one credit card, on XX/XX/2021 i purchase a ticket to fly to XXXX i bought a ticket from XXXX XXXX, using my pocket money and rewards miles which is XXXX miles rewards transfer to money became XXXX , finally after so many times calling sometimes on hold/phone for 3hrs! i have back my pocket money but never received my rewards miles back and worst, somebody from travel center put it in my account as i purchase something! which is not correct i didn't buy anything i canceled my flight should be easily all things come back to my account but with capital one never happen! i am afraid now these money which should be rewards come back as credit but it show as i buy something is goona affect my credit score for next statement. please this time solve my problem because this company simply ignore me doesn't help at all i don't know what is them problem!!! 
XXXX XXXX
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I lost my job in XXXX of XXXX due to COVID. Getting a suitable replacement employment took longer than we thought and ate up our reserves, so on XX/XX/XXXX we sent in a formal forbearance application to our loan servicer SPS. 

We supplied ALL requested documentation that SPS initially asked for. We immediately supply them with any info that has since been requested of us. Apparently, the initial information 'expires ' during the extremely long process that they take to review our application. As such, the application goes back to being in a status that is 'lacking information '. This is a never-ending loop that we can not get out of because SPS takes too long to process our information and pay stubs, banks statements and the like all expire in their system triggering our application back to that status. 

We believed our loan with SPS already to be in forbearance so were willing to put up with their constant requests for information. We were shocked when we received notice today that our loan is showing as delinquent with the credit services. 

All of the other companies that we have asked for forbearance from gave it to us with minimal effort, so we believed our loan to be in forbearance.
Consumer complaint received 2022-12-01
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. (MI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. S 1681i ( 7 ) Method of verification- Description of reinvestigation procedure In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX This account has been deleted transunion and XXXX but still remain on XXXX XXXX XXXX XXXX They are not licensed to collect in XXXX  XXXX XXXX They are not licensed to collect in XXXX XXXX XXXX XXXX XXXXXXXX They are not licensed to collect in XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX I never signed an agreement with them XXXX XXXX XXXX XXXXXXXX XXXX XXXX I never signed an agreement with them 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 I am enclosing a copy of my credit report
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NY)

Because of my XXXX purchases before XXXX I had {$39.00} rewards that I redeemed on XX/XX/XXXX and received a confirmation email : " Hello, XXXX XXXX Account Ending in XXXX Congrats! You redeemed your rewards Dear XXXX, You successfully requested a direct deposit on XX/XX/XXXX. Well apply this deposit to your bank account ending in... XXXX. The timing of the deposit will depend on your bank. 
Redemption Date : XX/XX/XXXX Redemption Amount : {$39.00} Thanks for being a cardholder! 
Visit Account Center '' No {$39.00} arrived into my checking account XXXX, so on XX/XX/XXXX I sent a secured message to credit card company and asked about my {$39.00}, after several emails credit card company told me to call their XXXX number and when I did they put me on several holds then they haged up after 18minutes.
Consumer complaint received 2021-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

I had a loan with Sallie Mae, which then was handled by Navient. I made 120 payments on my loan and they refused to forgive my loan. I am a full time teacher in a low income school. I qualified for the Public Loan Forgiveness and they refused me saying I wasnt in the right program. Yet, I called often to ensure I was on track.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Account Name : XXXX/XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : CAPITAL ONE BANK USA N Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2021-07-21
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. (NH)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2019-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

This bill was my ex wife, bill was her insurance in XXXX and insurance from her employer covered this bill I am not in any way responsible ... this is a 3rd party collection company who I did not recognize, who added it to my credit reporting files in XXXX of XXXX ... years after incident over 9 years
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

From XX/XX/2020 we have been trying to work with Transunion and XXXX on trying to resolve my credit score because we are trying to refinance our home and we needed to pay off a credit card and so we did. XXXX sent a letter saying that the balance was paid off but Transunion is saying that they have not received it after 3 times. XXXX and XXXX at Transunion are both very rude and was not helpful at all. They was saying that they cant help us and that there is nothing they can do. I need this to be resolved as soon as possible.
Consumer complaint received 2021-03-09
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. (SC)

On XX/XX/2021, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 60 days after the fact, I have not gotten a reaction yet. I have an inclination that I'm being exploited and being overlooked of my questions. Area 611 ( a ), it is doubtlessly expressed that an inability to examine these things inside 30 days gives motivation to eliminate those things from my credit report right away. It has been more than 60 days, so they ought to be erased speedily. I request these records be erased promptly, or I will petition for suit because of the pressure you caused me. My data was additionally affected by the XXXX information break and may have under the control of some unacceptable individual. 

I XXXX XXXX authorize this dispute on behalf of myself. I have not hired or received assistance from any third party company in preparing or submitting my dispute.
Consumer complaint received 2022-01-10
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. (IA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, are not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2015-07-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivable Recovery Services, LLC (TX)

I did n't receive anything from them because I moved, but wend I did speck to them years later. I informed the that my baby was on XXXX and done anything they asked me to do. But instead they still put my account in Collection. I paid them Once they put me in collection, with the understanding with would be removed, Lets just say that did n't happen. Since paying them its still on my credit report. plus I also called them, only for them to be RUDE to ME
Consumer complaint received 2023-04-06
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

XXXX XXXX/CITIBANK LOST MY PAYMENT DEMAND DRAFT XXXX PAYABLE TO XXXX XXXX DATED XX/XX/2015 {$20000.00} APPLIED AN UNKNOWN, WRONG AND INSUFFICIENTLY FUNDED DEMAND DRAFT - FALSELY ACCUSED BEING DELINQUENTCHARGED MY ACCOUNT LATE FEES, PENALTIES, INTEREST CHARGES. RESULTS SERIOUSLY DAMAGED NEGATIVE CREDIT WORTHINESS, FINANCIAL SECURITY AND PHYSICAL AND MENTAL WELL-BEING. SIX YEARS LONG STRUGGLE TO GET COOPERATION IN CORRECTING NEGLIGENT MISTAKE, NUMEROUS CERTITIED LETTERS XXXX XXXX/CITIBANK HAD GIVEN ME RUNAROUND DESPITE ALERTED THEM OF THE MISTAKE WHICH SHOULD HAVE CORRECTED YEARS AGO FALSE CLAIM OF DEBT AND INTERNAL RECOVERY FORM 1099-C AMOUNT OF {$3900.00}.
Consumer complaint received 2023-02-10
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. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, account # XXXX, opened XX/XX/XXXX Account name : XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX  XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX  XXXX XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX, account # XXXX, opened XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A Section 2. It also states a consumer reporting agency can not furnish a 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 for more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer relating agency if the person knows or has reasonable cause to believe that the information is inaccurate.