davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (NM)

Two incidents of Identity Theft and Loan Fraud were detected in my credit report. Both were student loans issued to XXXX XXXX with me as the co-signer. I submitted fraud packets as requested by Navient and XXXX XXXX ( both attached ). XXXX XXXX release me of liability promptly ( release letter attached ). However, Navient seems indifferent, even though as per Fraud Affidavit, I am a victim of Identity Theft and Loan Fraud which resulted in unauthorized use of my personal information such as name, DOB, SSA #, and my tax return to obtain approval for a student loan for XXXX XXXX. I have never consented to, nor signed any documents relating to this student loan for XXXX XXXX in any capacity. 
Additionally, I have always personally signed loan documents ( promissory notes included ) usually notarized. I have never allowed electronic signatures to be used on my behalf for loan documents ( promissory notes included ). These details were related to Navient 's fraud department employee name XXXX ( ID # XXXX ) on two separate calls in which this employee express indifference and indicated my situation may or may not ever be resolved.
Consumer complaint received 2022-04-27
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. (GA)

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 Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
Credit Bureau XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX 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 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 2021-02-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (VA)

I have a mortgage with XXXX XXXX. In XXXX of 2020 XXXX XXXX  refinanced my existing mortgage with them to a new rate. First American Title is the Title company that XXXX engaged to file the Deed on the property. Upon completion of the refinancing process, First American Title did not file the Deed of Trust with XXXX County. I am currently trying to complete a refinance of my current mortgage with another mortgage company. In the process of completing the Underwriting for my new loan, it was determined that there is no record of my current mortgage. I have reached out to First American numerous times to try to resolve the issue by apprising of the issue and imploring them file the Deed of Trust. In my initial conversation with XXXX XXXX of First American, she informed me that the Deed was e-filed on XX/XX/XXXX. Earlier the same day that I spoke with XXXX, I spoke directly to multiple people at the XXXX Count Clerks office and was informed that there was and is no current Deed of Trust filed on my property. This delay and unwillingness of First American to resolve this issue will likely result in my loss of the rate lock and thus cost me several XXXX dollars over the course of my mortgage.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

I keep getting a run around that my account was closed due to unauthorized transactions, I want to know which transaction was unauthorized so I do not go through this again in my life as it has been a mess. I have the right to know which transaction caused the issue in which Wells Fargo has closed my account. 

I have been to the bank many times, I did request statements in my previous post and they did mail them but will not tell me which transaction I received was unauthorized which puts me and my business at jeopardy of this happening again.
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have XXXX credit cards with Capital one for about 5 years. A year ago I called to let them know that I was having financial difficulties as my husband had filed bankruptcy. They offered to waive late fees for 90 days, which they did, but told me that was all they could do. I closed both accounts that day. I continued making minimum payments, which covered interest and late fees, for about 9 months, until we were impacted by hurricane Irma. Being self employed and unable to work, I couldnt afford to make minimum payments anymore. I called them to notify them of my difficulties and told them that I could possibly settle with them when I get my tax refund. They never offered me anything. 2 days later, they reported 90 day lates on my credit, dropping my score by XXXX points!
Consumer complaint received 2022-10-10
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. (WA)

In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights : XXXX. XXXX XXXXXXXX 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 XXXXXXXX 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 2021-05-03
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: Experian Information Solutions Inc. (TX)

I have been writing dispute letters to the credit bureaus since XX/XX/2020 and asking for verification why they keep reporting on my credit report. However, they have failed to obtain as mandated by law proof of such debts. They have continued to report erroneous information about me. Therefore it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law
Consumer complaint received 2019-08-10
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: Resurgent Capital Services L.P. (TN)

I submitted disputes to LVNV, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX  balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue stress and anxiety because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help.
Consumer complaint received 2021-05-03
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. (TX)

I have been writing dispute letters to the credit bureaus since XX/XX/2020 and asking for verification why they keep reporting on my credit report. However, they have failed to obtain as mandated by law proof of such debts. They have continued to report erroneous information about me. Therefore it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law
Consumer complaint received 2019-08-10
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: Open Dealer Exchange, LLC (CA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2022-09-15
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. (OH)

In accordance with the Fair Credit Reporting act these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C SECTION 1681 SECTION 604 A SECTION 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions ( consent ).
Consumer complaint received 2021-02-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

When I bought my house in XXXX, I got 2 mortgages. One was a conventional primary and I do not have any problem with it. The problem arouse from Specialized Loan Servicing LLC. Originally I got second mortgage from XXXX. In XX/XX/XXXX they charged off my second mortgage. But from the beginning of XXXX I started receiving letters from Specialized Loan Servicing LLC where they claimed I owe them money. I told them XXXX written off my second mortgage and it was reflected in my credit history but still they said NO, they bought my debt and I owe them money now. I asked them to send me proof which they refusing. After they keep on sending me bills. A few times I offered them some amounts of what I was able to at the time in hope of settling my account to which they always refused and the interest kept on increasing ridiculously. I could not afford to pay them by what I found strange is that my credit history was not affected, I did not see any late payments, any collection of second mortgage amount show up anywhere on my credit. In XX/XX/XXXX XXXX send me 1099-C form with amount of {$68000.00} ( interest only ), Box 6 - G ( which in description states they got agreement from my part, WHICH THEY DO NOT HAVE ). When I called them to ask whether the whole amount of mortgage with interest was written off they said - NO. They want a full payment of mortgage which in fact was less then the interest they accrued! Also, I asked them to send me any paperwork they said - Oh, you should have it already. But I did not received anything. I tired calling numerous number provided by them to ask for paperwork- no luck. 
Again I checked my credit history and there was not any debt collector SLS there. I guess they are trying to get money using scam method. Please help me to resolve this situation because they are not communicating with me except requesting money. 

Thank You.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : XXXX XXXX XX/XX/2021
Consumer complaint received 2021-07-13
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. (GA)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Prince Parker & Associates (KY)

A caller from XXXX XXXX on caller ID has called my office numerous times and spoken with myself and my office staff about a debt that has already been paid. After their last call to my office, I informed them that I was fed up with them calling my office and would be filing a report.
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

For many years, I had a XXXX XXXX XXXXSynchrony bank card. My credit history showed all payments were made on time and for at least the last few years my balance on this account has been XXXX. I have an excellent paying on time history. Recently, I was surprised to see on a XXXX XXXX report that my XXXX/Synchrony account was closed. I did not close it. For the last few days, I have been planning to call Synchrony/XXXX  to question this apparent error. Today, XX/XX/20, I received a letter from Synchrony Bank re my XXXX XXXX XXXX ending in XXXX, informing me after a review of my account, Synchrony decided to close my account stating the decision was based in Part on my credit worthiness re my score. My score was listed as XXXX. Moreover, had XXXX balance on this card for years and an excellent payment history with this card and with my other credit cards. 

None of the factors that were listed in the letter of XX/XX/20 are relevant to my long term XXXX balance and payment on excellent record of payment on time of my XXXX XXXX. As a result of XXXX decision my credit score has suffered. 

I believe Synchrony bank was unreasonable and arbitrary in closing my XXXX card. 

Accordingly, based upon the letter dated XX/XX/20, which I just received today, XX/XX/20, I believe it would be futile for me to contact XXXXSynchrony Bank to attempt to resolve this situation on my own. 

I thank the CFPB for their efforts in attempting to resolve this matter on my behalf
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (GA)

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 Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
Credit Bureau XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2017-12-21
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. (GA)

I cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to XXXX XXXX and TransUnion. The inquires were Auto Financing companies.and other companies XXXX XXXXXXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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. (TX)

I submitted a police report, theft affidavit and identification XX/XX/2022 the I was a victim of identity theft. Per the FCRA 605B the bureus were to remove and block the fraudulent accounts within 4 days.They did not. If they are not willing to abide by the laws I will seek out legal counsel and go to small claims court. I do not understand why they would list a fraud alert but not remove the disputed accounts opened fraudulently.
Consumer complaint received 2021-05-05
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. (FL)

Beginning in XX/XX/2021, XXXX XXXX XXXX, XXXX fraudulently starting reporting repossession on my credit reports with all 3 bureaus. Via thorough documentation, I submitted disputes to have it removed so I may proceed with increasing my score and purchasing a much needed vehicle. Meanwhile, Ive been in civil litigation with XXXX XXXX XXXX and also reported company to Dept of Ag and CFPB who forwarded to FTC. Upon receiving the disputes, XXXX XXXX XXXX removed the repossession as required by law, but out of retaliation replaced my account in paid good standing but closed status with a charge off and marked the XX/XX/2021 history as unpaid, although I was not even in possession of this vehicle in XXXX and this contradicted their earlier claim on my credit. 

I once again disputed this claim, prolonging my ability to purchase a vehicle. XXXX, Experian and XXXX  have not removed this status and do not seem to have record of the previous claims in which this contradicts, violating consumer rights law. This frivolous and false reporting is being allowed and not monitored thus damaging my credit and ruining my life
Consumer complaint received 2021-02-05
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: EQUIFAX, INC. (NV)

Equifax and XXXX  were reporting two collections on my credit file with a company by the name of XXXX XXXX XXXX. I did dispute the account and in XXXX they both were removed. Then I get an update on my credit report this month and they have returned. This is against the FCRA they can't delete them and keep putting them back on.