davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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: Navient Solutions, LLC. (AZ)

I have an impeccable on time payment history with Navient and I am extremely concerned with their abusive and deceptive reporting of inaccuracies as of current. I was in a deferment during covid which was to end on XX/XX/XXXX and so I was not required by law to make any payments however because I had a little bit of money I made to payments on my Navient student loan accounts one on XX/XX/XXXX in the amount of {$300.00} and the second one on XX/XX/XXXX in the amount of XXXX. 
Pursuant to 15 USC 1681 ( a ) Consumer reporting agencies as well as data furnishers such as Navient have a vital role in reporting verifiable accurate information and must delete all inaccurate, incomplete information immediately upon notice from the consumer. 
Attached is the verifiable accurate information that should be reporting on m current consumer report and if they are in violation of it I am entitled to pure a law suit. Navient as a data furnisher is also Pursuant to 15USC 1692E False or misleading Representation and ( f ) unfair practices and defamation which they have caused and thoughly violated my consumer rights be report such inaccuracies on my consumer report which represent my crediabilty as a consumer and is causing me severe harm and I do intend to file suit if they are non-compliant with these statutes and laws.
Consumer complaint received 2020-09-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

I was already in the rehabilitation with the Department of Education. However, they never remove it out of collections. It has a negative effect on all 3 credit bureaus. I was was informed in writing if I complete the program the negative remarks will be removed from my credit report. Also, I was never informed about the forgiveness program. My due process was never given to me. For example, no one never explained the Income Based Repayment Program. Based on my income my payment will XXXX amount and the negative items would of never been on my credit. In fact, I would of been in an excellent situation regarding my credit!
Consumer complaint received 2020-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc. (NE)

Ive told them not to call. Ive told them Im not giving them the information. Ive told them to stop calling my mother. This company continuously calls my number numerous times every day. When I answer, because I do answer, they claim that they are required by law to go over a document with me and that they need the last four digits of my social security number. I continuously refuse to give the information they are asking because I do not feel comfortable doing so not knowing what this matter is even for. What frustrates me the most is that this company isnt only calling my phone, but they are harassing my mother as well. She told me that she gets at least 3 calls a day and they just keep asking where I live.
Consumer complaint received 2020-05-04
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: Experian Information Solutions Inc. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$220.00} XXXX XXXX {$110.00}
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

Issue XXXX Cashiers check issued from Chase Bank to the Internal Revenue Service in the amount of {$4100.00} check was endorsed by other than IRS. Claim has been filed in XX/XX/2022. Nothing has been done since. I was told to file a police report. 

Issue XXXX Unauthorized transfers from my Chase savings accounts have been made into my Chase checking accounts in the amount of {$9100.00}. Several unauthorized charges were made and posted against this amount. Chase was immediately notified and is currently under investigation. I am being told by the claims department that it has to be proven that this was in fact an illegal act. I have not been given any indication from Chase how long it will take to recovery the amount illegally taken out of my account, or if in fact it can be recovered at all.
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (FL)

There are many fraudulent hard inquires listed on my credit reports ( XXXX, XXXX, Equifax ) that I have no knowledge of. The list of inquiries below are in fact unauthorized and some even duplicated, many inquiries also duplicated with duplicated dates. The companies listed below never had any reason or permissible purpose to pull, attain or utilize my personal credit, personal credit information or credit profile/report. 

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 : States a consumer reporting agency can not furnish an account without my written instructions. 

According to : 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. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

For the past 9 months I have requested verification on several accounts reporting inaccurate information on my credit report. These inaccurate and unverifiable accounts have given me serious anxiety as I have been denied credit because of them. I have called and sent several certified mail with documents of proof to the inaccurate accounts, but still I have been ignored. Each time I am only sent back automated responses to my investigation request. I know they are automated because they all respond the same way even though I send the supporting documents. I requested verification of an inaccurate, unverifiable Bankruptcy that is being reported on my credit report and was told it was verified by XXXX, however, I have had a Security freeze on my XXXX report since XX/XX/2019. I would like to know how I was given a fair investigation if XXXX was never contacted to request the information? Because if XXXX were contacted, they would have informed " Whoever '' that there is a security freeze on my account and the information could not be provided at the time. I contacted XXXX and they informed me that since the security freeze was placed on my report, they have not released any of my information to ANY agency. I also mailed the Bureau a copy of a court document that was mailed to me by the courts where I live that states, they have not furnished any of my personal/public record information to any Credit Agency. So again, how was this inaccurate, unverifiable Bankruptcy account verified? I currently have enough documented proof to show I have not been given a fair investigation.
Consumer complaint received 2020-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (MA)

HI. Debt Recovery Solutions LLC- HOW ARE YOU? 

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX Capital One bank XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Subject : Capital One bank a/c # XXXX To the office of director of Operations Dear sir, I kindly write this letter to your office in reference to the above account, For you, to instruct the right department to research, audit and refund me A short balance of {$27000.00} as per attached Excel summary as soon as possible. 
The book reviews a record from XXXX to XX/XX/XXXX Note : 1 ) I HAD CREDIT CARD WITH CAPITAL ONE BANK ACCOUNT # XXXX AND I MADE A FINAL SETTELEMENT OF XXXX {$930.00} in XX/XX/XXXX in full But asked to pay two times {$130.00}, XXXX so paid again asked to pay for third time 2 ) I traveled to XXXX and made a purchase of over XXXX {$5000.00} But cancelled the transaction, and the XXXX and XXXX refunded this money to the credit card company but Capial One bank denied. so after long and problematic process money was refunded Partially, having a credit card insurance. 
3 ) as per my Report to consumer finance protection office I had a balance of XXXX XXXX XXXX ( usd XXXX ) Per recorded but the bank system gave me a balance of XXXX XXXX ( {$3500.00} ) A short balance of ofApprXXXX {$6500.00} 4 ) I was denied a right to a year bank statement instead asked to pay USD {$200.00} for the statement against the law, calculating I do not have the money in account, still I request this bank to produce A two year bank statement and mail to my XXXX address 5 ) I was deprived a right to reset online password by email security authentication, still request to send me a password reset via my XXXX account Thanks XXXX XXXX XXXX cXXXX XXXXXXXX, va XXXX XXXX XXXX C.C - consumer finance protection bureau Office of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sterling Infosystems Inc. (CA)

I paid XXXX to publish my applications and help in finding a job, I was completely aware that there would be a back ground check done and when the results came in they denied me any futher help and would not be submitting my applications, but they are doing this based on a misdemeanor charge in North Carolina that i am still going to court over and i feel that it was not fair to deny me of any chance of employment on something that has not even been charged on me. My next court date is in XXXX and i was cleared in every other part of the back ground search. so if i am going to be judged on something the court has not even found me guilty of I think this is very unfair and I would like a refund of my money and I will be putting a review on yelp and any where else possible because I am being judged very unfairly by this company over something that i have not even been charged with in court.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (VA)

XXXX  and I cancelled transactions with me on Friday, XX/XX/2020  because it was not used. They refunded two transactions to me in the amount of {$5.00} and {$140.00} on Sunday, XX/XX/2020. The refund on my Bluebird American Express stated " hold for review ''. I contacted Bluebird American Express to inquire why this was put on the account and they told me that the money will be put on hold for 7-10 days to give the merchant an opportunity to resend the transaction. I told them that I am the cardholder and the consumer and they should contact me NOT the individual I paid because Bluebird American Express does not know what was transacted or discussed between XXXX and the consumer and that obviously if XXXX had refunded the money it is not for Bluebird American Express to question or withhold the cardholder 's money further. Bluebird American Express stated it is American Express policy to withhold the cardholder 's refunds 7-10 days, and that my money will be returned to me at that time. Bluebird American Express treats their prepaid cards like American Express credit cards when it suits them and like prepaid cards when it does not.
Consumer complaint received 2020-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OR)

This has been ongoing since XX/XX/XXXX ( four years ) now. I had forgotten about some of the hassles and attempts, but a quick search on my computer refreshed my memory. I had an account with XXXX, someone fraudulently purchased items ( sent to Virginia - i live in Oregon ) XXXX called to see if i had moved to Virginia. I did not order these items. They corrected it ( see copy of statement from XX/XX/XXXX with the charges and reversal indicated as 'merchandise returned ' - -- - - however, XXXX kept harassing me saying i owed them for XXXX XXXX. I kept explaining - re-explaining i never ordered them. they'd say 'oh, yeah. i see that now, so sorry. '' then they would start harassing me again! I closed my account with them in XXXX XXXX. ( see letter indicating it was closed with XXXX  balance due ) about a year later i started getting calls from a collection agency about it. I provided copies of stuff and wrote them about it. they never contacted me again. NOW, a new collection agency " Resurgent '' is starting in about it. this was never my debt ... but it just won't go away! I never bought the silly XXXX XXXX XXXX  and never got received them, but XXXX just keeps harassing me it's been YEARS of periodic harassment. I want it to STOP for good.
Consumer complaint received 2022-04-11
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-10-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (AZ)

BMO Bank hired a servicing agency to handle all of their Mortgage and Credit loans. I have been trying since XXXX to receive my loan documents. I called on XX/XX/XXXX and spoke with XXXX he advised he would send. Did not receive ; called XX/XX/XXXX Spoke with XXXX he did not see notes, he advised he would send... I then received loan documents on XX/XX/XXXX and it was my old XXXX loan. I now hear from XXXX at BMO Bank that they do not have my loan documents. I asked how are you charging me. She could not answer. My issue is I was advised my loan would never go above {$500.00} per month from XXXX XXXX at BMO Bank ( loan was modified on XXXX ) Second issue is when you call you never have same person so literally it is like a hamster wheel. # is XXXX
Consumer complaint received 2019-01-25
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. (OH)

I am exhausted with the difficulty in which having erroneous information deleted form my account has been. My wife and I are purchasing a home and this incorrect information remains on my Experian credit report. XXXX blames Experian and Experian blames XXXX. The erroneous account has been deleted from my XXXX and XXXX report but remains on my Experian report. I have a latter from XXXX ( attached ) requesting the deletion from my credit report. 

I have made online requests, written requests and requests by certified mail. 

The item listed by XXXX XXXX is inaccurate because this is not my XXXX account. My identity was compromised and the account was opened, without my knowledge or permission. The account was used to purchase and to use a phone that the identity thief had shipped and billed to his address. This address had been listed on my credit report as mine until it was recently removed. As soon as I was made aware of the situation by XXXX, I paid the account because XXXX indicated this was the fastest course of action. 

I have attempted work with XXXX XXXX to resolve this situation and I have paid the account to resolve it as well. This has become an impossible situation to resolve with XXXX or with Experian. Here is a summary of the facts : -The XXXX XXXX account listed IS NOT MINE. 
-I have exhausted everything I can do with XXXX XXXX to resolve this including : +I have disputed this with XXXX and Experian in writing and they have verified in writing that this should be disputed. ( See attached ) +Experian has made multiple attempts to verify with XXXX with no success to verify the letter. 
+I have made multiple calls to XXXX Executive offices and they will no longer assist or verify. 
-There is a letter attached requesting the information be deleted and yet the information remains. Experian has called XXXX multiple times to verify the letter and they can not get anyone to help them including the Executive Office and Account Recovery. 

I need some additional help in order to get this deleted from my Experian credit report.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

. Collection XXXX - XXXX Collection XXXX - XXXX Collection XXXX - XXXX
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX remove reporting that capital is reporting pays on time but removed 66 points from my XXXX  profile with XXXX XXXX. Theses practices are fraudulent and must stop. If Iam on time why Iam Iam I losing points One part of the report says Iam doing good then the other says I missed a report. It's confusing and my score she not be affected by XXXX or XXXX XXXX inaccuracies.
Consumer complaint received 2020-09-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

XXXX XXXX  is reporting 2 Miortgage listings closed as of XX/XX/2010. Under the FCRA, these should no longer be reporting as they are over 7 years old from date of last activity. XXXX XXXX XXXX  is now the owner of these accounts
Consumer complaint received 2021-03-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (WA)

I got 6 unauthorized charges, they refunded 5, there is 1 outstanding, I called 3-4 times, each time they say they will take care of it, but instead sent me to collections. I'm unable to get anyone on the phone.