davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (SC)

On Wednesday, XX/XX/2021 at XXXX XXXX  Eastern Time, I received a phone call from Navient. Navient is a debt collection agency & was attempting to obtain information from myself on a defaulted student loan ; a loan that belongs to an EX-WIFE and I'm NOT a signatory to that loan. Furthermore the defaulted student loan is about 30 ( thirty ) years old. I am NOT responsible for my EX-WIFE 'S defaulted student loan that I am NOT a signatory thereof from 30 ( thirty ) years ago. WHY I was even contacted is a mystery to me as I'm an EX HUSBAND plus this is 30 ( thirty ) years old I do NOT have an account with this company, I do NOT have a student loan and I do NOT have any information on my EX_WIFE that I divorced 27 ( twenty seven ) years ago. 
Results : All I received was a ' ' we won't call you again ' " - a vague promise that I don't believe. WHY did Navient call me in the 1st place given taht I have zero association with this debt in the first place?? 
I have called this company TWICE, not 3 times like " they '' claim & sent 1 email to 1 ) resolve this & 2 ) to expunge my name, address phone number and any other information " they '' have from Their system plus a permeant do not call or contact enacted. 

Navient I DON'T have a student loan account with you It's my EX_WIFE 'S student loan. This NOT my loan I am NOT responsible for HER debt from 30 years ago, I'm NOT a signatory to HER student loan XXXX XXXX XXXX XXXX original message On Thursday, XX/XX/2021, XXXX XXXX  EST, XXXX XXXX wrote : Hello, We have received your correspondence regarding your student loan account. We are working to get answers, but need time to research your account. We will contact you with a response as soon as we can. We appreciate your patience. 



Please call us at XXXX if you have any questions. 



Social Media Team Navient
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had a prepaid card, and I put my own money and, I never get any credit besides my own money, now they report to the credit bureaus that I have to pay more than {$800.00} dollars which is unlawful, I have a rights and please help, because this bank is reporting that Im an delinquent, I see this irrelevant and frivolous and must remove from my credit and update the information.
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 information incorrect
Company: Onity Group Inc. (TX)

Phh mortgage/Ocwen/Homeq had to hide charging us late fees somehow. So they put a fake account number on our credit report. 
We never paid late and never wrote a check. 

I will attach my credit report showing the fake account number and NEVER LATE. But do they charge fake late fees? Yes! Look at the credit report showing never late but thousands of dollars in late fees. They need to be behind bars. 

Also, I will attach my deed that shows you I do not have a day during the month that payments are due. I also do not have a NSF fee or policy. So they illegally charged me thousands and thousands of late fees and NSF fees when I have never written a check to them ever. I have asked for the proof of these NSF checks that we were charged thousands for and no one will respond. Because they are fake fake fake. We were charged fee after fee after fee illegally. It is on this website if you are going to enforce it then you must prove it. I have waited for 2 months for these so-called nsf checks and they do not respond. I am filing for identity theft against them for the credit report. Now they are retaliating against us and stating we have to pay them XXXX more a month. They don't say why just put on the front of the screen you owe us XXXX more a month starting XXXX. I am filing retaliation as well. Can someone on here please help us? They are scam artists. 


Look at this credit report with their fake account number. Our account number is XXXX. It has been that number for 15 years! Look at the XXXX. Such a scam! Do you see any late payments? Look at my statements and there are thousands of them. We can do this all day long but I am right and they are wrong. You do not steal from people. It is wrong people. We didn't deserve it. You made us lose faith in humanity the way you callously steal and think it's okay. Its not!!!! 

HOMEQ SERVICING XXXX XXXX XXXX XXXX, CA XXXX Account Number : XXXX Current Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$93000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : {$0.00} Term Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$91000.00} Date Reported : XX/XX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$1700.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 10 Creditor Classification : Activity Description : n/a Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : Conventional RE Mortgage Comments : XXXXMonth Payment History
Consumer complaint received 2023-04-04
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report 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 2023-04-04
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. (MI)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX VIRGINIA XXXX XXXX MI XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy : XXXX DateFiled/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Bankruptcy : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please remove the extended fraud alert or any fraud alerts as I did not request anything like this on my report. I just needed stuff removed due to stuff in the past but all is well now. Please remove it.
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NY)

I received my XXXX  report on XX/XX/XXXX, my credit rating is XXXX, I have been employed at the same job for over 16 years. My payment schedule is " exceptional '', as is my credit history length. On XX/XX/XXXX I applied for a XXXX XXXXXXXX XXXX XXXX card for the express purpose for a balance transfer, I was denied. Yesterday I applied for a XXXX XXXX XXXX card, again for the purpose of a balance transfer, I indicated in my application that I had a {$7500.00} balance I wished to bring over. They offered me a {$2000.00} limit. After the application, I received the report from XXXX  and called XXXX. At first I was hung up on. The second time I spoke with " XXXX '' who offered me a credit increase. After a litany of questions she put me on hold. When she came back, she came back and offered me {$2500.00}. I told her I didn't want the card. Upon closer inspection of my XXXX account my average account age is 8 years 1 month my oldest account is 21 years 3 months and no time since negative. I also saw that XXXX has done about 25 credit checks on my account recently without my knowledge or consent. I believe this along with my previous filed complaint are the reasons why my credit cards are being denied.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX TO : XXXX XXXX, Co-President and Chief Operating XXXX for JPMorgan Chase RE : You Violated the United States Code Law ( TILA 15 U.S. Code Ch 41 Consumer Credit Protection ) Open End Credit Plan and Open End Consumer Credit Plan ( j ) terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open-end consumer credit plan which is an open-end credit plan or open-end consumer credit plan within the meaning of the preceding sentence is an open-end credit plan even if credit information is verified from time to time. 

Let me break these laws down On XX/XX/XXXX you closed my account without my approval. 
I was never late and always paid on time. I gave you a security instrument which was my signature. What law says that you can close an open-end credit plan without my approval? A closed account is never closed. Once something is open it's always open, Im just not getting any benefits from it. Under 15 U.S. Code 1602 Truth in lending act I am the original creditor, therefore you can not close an account without my written consent.

Due to your adverse actions and unfair credit card practices ( TILA 15 U.S.C. Ch 41 ), for the past 5 years I have suffered damages such as XXXX XXXX and XXXX because now I have high interest rates because of the information that you reported on my report. These are damages that no one can tell me how much they are but me as the consumer. You dont know what Ive incurred over the past 5 years. Ive spent 5 years trying to clean up my consumer report. You dont know that Ive tried to get loans from 10 different banks to help pay my grandmothers medical bills. Now my interest rate is XXXX XXXX  because your people have spilled and compromised my information which is identify theft. Under TILA, FCRA and FDCP I did not give you written consent to close my account. This is a FDCPA violation. You violated me. I have rights as a consumer which you violated. You defamed my character.

JPMCB CARD SERVICES - XXXX Sincerely, XXXX XXXX
Consumer complaint received 2018-02-07
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. (TN)

I found out that Equifax had the wrong name, social security attached to my name not only that different aliases and addresses as well. I contacted Equifax and I was advised to send in proper documentation via Fax to prove my identity and I was in compliance. I went to XXXX OfficeXX/XX/XXXX and paid to color copy of my SSN with my DL and send the fax to Equifax Dispute Department. I then contacted Equifax again days laters to see if they had received my documents and they hadnt, so I waited again. Days had past and then I receive my 1st confirmation email from Equifax, So I thought they had initiated my disputes and definitely my documents. So I called back and gave the 1st confirmation number and they had informed me that they had updated my information and received my documents and that now Id have to wait until the other investigation was done ( which I didnt know I had 2 different disputes ). So 2weeks go by and I receive another email with an estimated time of XX/XX/ for the last dispute to be fixed. So they had ( 4 ) collections removed but the still have my social security number incorrect and the same credit report with all the fraudulent medical collections are being pulled from Equifax to my credit union, denying me everything. Twice. The report still shows the same information that I hadnt the same ( 2 ) disputes about. I called almost everyday since XX/XX/XXXXand I keep getting the run around and Im always talking to to someone from out of the country who barely understands what Im talking about or saying.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, I have not received credit for the {$500.00} referral promotion bonus that was advertised. I referred XXXX XXXX, SSN ending in XXXX, who opened a Capital One card a couple months ago. When will I receive the referral credit to my account ending in XXXX? 

I was able to get an answer from the Capital One website. 

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Consumer complaint received 2021-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (PA)

I, The natural person and consumer initiated this consumer credit transaction in XXXX. At some point in XXXX i stopped using the card ; Shortly after that WELLS FARGO damaged my consumer report by reporting the account to collections claiming i had owed an alleged debt. I Sent the initial dispute requesting validation on XX/XX/XXXX as well as a cease and desist asking Wells Fargo to stop all illegal communication via any medium. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. I also filed a CFPB report ( XXXX ) ; i then received correspondence back on XX/XX/XXXX stating that Wells Fargo provided information validating the account. However I never received the 5 things required for validation, nor did I receive anything proving they conducted a investigation. Ive since sent out another affidavit on XX/XX/XXXX stating facts about alleged debt.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LendingPoint Holdings LLC (DC)

OmXX/XX/XXXX, I was online getting coupins, and several popups were being advertised in order to get the coupons. I anserred several questions, and closed the coupon app realizing it may lead to spam. XX/XX/, I received a deniel letter for an application I never applied for, so I sent an email to the XXXX, and explained the situation, and now I am receiving harrassing calls. I requested an investigation, and the removal of credit inquiry from my credit report.
Consumer complaint received 2019-11-13
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. (NJ)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2022-04-29
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. (FL)

I have sent in my identity theft report several times to Transunion XXXX and XXXX asking them to block and remove these fraudulent accounts of XXXX  XXXX XXXX XXXX  XXXX. XXXX and XXXX XXXX XXXXXXXX. These is in violation with us code 1681c 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2021-05-24
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: FC HoldCo LLC (GA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 
Please take notice that I am updating my personal information with all 3 major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/2020 I called Transworld Systems INC to settle an account for XX/XX/XXXXThe total amount was {$600.00}, however I stated that I wanted to pay for deletion. Mrs. XXXX offered to settle the account in the amount of {$480.00}. Before making the payment I again stated to confirm that the payment of {$480.00} will be paid and the account for XXXX XXXX will be deleted off my credit report. I was told that once the payment is made and its registered in the system as paid then they will contact the credit bureau in which the account is under to inform them the account was setteled in the amount of {$480.00} and to delete the account from my credit report. The account is still on my credit report. I was told that the account would be deleted and its not.
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Security Credit Services, LLC (NY)

I was sued by the original creditor XXXX XXXX in the state of VA. It took a while but the lawsuit was removed from my credit report. The account was also removed, but they keep putting it back on. It has been removed from XXXX as of now but is still reporting on the other sites. I would like them to remove the accounts and have the lawsuit removed from my record.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

A old debt still remains on my credit report, Account Name XXXX XXXX Account Number XXXX Account Type Revolving Bureau - Equifax Date Open -  XX/XX/XXXX High Limit - {$7600.00} Monthly Payment - Account Balance - {$52000.00} Last Reported - XX/XX/XXXX Account Status - Charge - Off Amount Past Due - XXXX Account Designator - Authorized User