davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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. (TN)

My name is showing as XXXX XXXX XXXX. I keep calling, mailing in disputes along with my ID and SS Card, and sending in complaints about my name. My name is XXXX XXXX. I do not have a suffix at the end. They finally took the XXXX XXXX XXXX off but now it's showing XXXX XXXX XXXX. Please correct this. ( I have not recently shared this information with a creditor.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The Health Insurance Portability and Accountability Act of 1996 governs health insurance ( HIPAA ). I retain the right to prevent any third party reporting agencies from accessing the privacy of my personal data and medical records. With this letter, I seek confirmation of the information provided, along with full documentation that includes all the data you allegedly obtained from the service provider of the debt. FCRA ( Fair Credit Reporting Act ) violations include continuing to disclose this medical debt without properly verifying it and giving me evidence that I have permission to do so. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX Balance {$140.00} XXXX XXXX  ( MEDICAL ) XXXX Balance {$140.00}
Consumer complaint received 2022-07-12
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. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, its been over 60 days later and I have not received a response back. This company have been taking advantage and ignoring all my disputes. According to Section 611 ( a ), it is stated that a failure to investigate all items within 30 days gives a reason to immediately remove the item from my credit report it has been over 60 days so this item late payment should be deleted immediately. I demand this late payment be deleted immediately or I will file for litigation due to the stress  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (AZ)

For the past XXXX years, Navient has been calling my number daily at XXXX. 

I have no debt with them, and when I called and spoke to their rep on XX/XX/XXXX, I gave her my social security number and she verfied that I am not in their system. In fact, I have no debt with them, nor do I have a student loan. 

I requested to have them remove me from their call list, so she took my information and forward it to the calling department. 

I have been on the Do-Not-Call Registry since XX/XX/XXXX. 

On XX/XX/XXXX I had reported the unwanted calls on that Registry. 

As usual, the calls continued and I began documenting them. On XX/XX/XXXX I got a call at XXXX XXXX, and the following day XX/XX/XXXX at XXXXXXXX XXXX I got another call. I blocked them. 

However, they manage to call from new numbers to call from after they have been blocked. These are harrassing phone calls, as they occur every day ( sometimes multiple times per day ). 

Here are some of the numbers I have blocked from them in the last few months : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, I do not owe a debt with them, nor do I have a student loan.
Consumer complaint received 2022-07-12
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. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, its been over 60 days later and I have not received a response back. This company have been taking advantage and ignoring all my disputes. According to Section 611 ( a ), it is stated that a failure to investigate all items within 30 days gives a reason to immediately remove the item from my credit report it has been over 60 days so this item late payment should be deleted immediately. I demand this late payment be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-13
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. (MD)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$670.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MN)

I took out a car loan through Wells Fargo Auto on XX/XX/XXXX. The loan was reaffirmed on XXXX XXXX. No payments have ever been missed. The loan is active, and I am a month ahead of the payment schedule. Despite my continual payments, Wells Fargo listed this loan as closed on XXXX. I have tried to work with them for over a year, asking them to report my payments to the three major credit bureaus. They have lied to the credit bureaus, telling them the account is closed. I have all documents, including the reaffirmation agreement Wells Fargo signed and all auto loan bills sent to me and paid by me since XXXX.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The Health Insurance Portability and Accountability Act of 1996 governs health insurance ( HIPAA ). I retain the right to prevent any third party reporting agencies from accessing the privacy of my personal data and medical records. With this letter, I seek confirmation of the information provided, along with full documentation that includes all the data you allegedly obtained from the service provider of the debt. FCRA ( Fair Credit Reporting Act ) violations include continuing to disclose this medical debt without properly verifying it and giving me evidence that I have permission to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$140.00} XXXX XXXX  XXXX Balance {$140.00} XXXX XXXX  ( MEDICAL ) XXXX Balance {$140.00}
Consumer complaint received 2022-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Good morning I have a loan serviced through Navient and said organization is changing the terms of my loan. I received notice that they are lowering my monthly payments a significant percent and extending the loan for an equally significant amount. They tried to do this close to a year ago as well and I told them under no uncertain that I wanted the terms left as they are. This change would significantly increase the amount of interest I would pay over the course. Upon several contacts I was eventually told I could just raise the amount I pay but I expect that is part of their scheme. Most people wont adjust the autopay and end up with years extra of payments. I have been unable to get it switched back as of yet and am worried they will find a way to ignore my complaints. I hope this agency can help Thank you XXXX
Consumer complaint received 2022-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX Capital One Credit Card XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose UCC 3-603 : TENDER OF PAYMENT : States that ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
Consumer complaint received 2022-07-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX XXXX XXXX XXXX debt, l was paying my bill on time and good standards until XXXX made payment at branch in XXXX md and said did not get payment and went bank to bank and told play cameras bam and refuse?? So stop making payment and hire XXXX to dupuste matter and write off as bad debts and file law suit XXXX XXXX court got judgements and take ssi out bank account
Consumer complaint received 2022-07-12
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1981 Section 604 A. States I have the right to privacy 15 U.S.C 1981 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions There is also information that does not belong to me that is being reported on my credit report I already disputed the information and they keep adding it on my credit report I have never lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is not my address
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (GA)

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. I found out that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any item which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for your and the bank 's records ( learned through more research both parties require ). Please remove these files. If Experian, XXXX and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If no records are provided & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (VA)

I had XXXX American Express prepaid cards, Bluebird # XXXX {$77.00} and XXXX # XXXX {$66.00}. I had my paycheck direct deposited into my XXXX  account. I called American Express and they claimed they would send me a check in to mail and its been over a month already. They essentially closed both my accounts for violating terms of conditions, for simply entering my pin incorrectly at the ATM to withdrawn money from both accounts since I no longer used both the accounts. My funds were illegally taken by American Express in violation of Federal Banking Laws and they must be returned. 


Emails from American Express XXXX, XXXX XXXX, During our recent review of your Bluebird  Prepaid Debit Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. 

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. 

If you have any questions or would like to inquire further, you may write to us at the following address : Bluebird Customer Care XXXX XXXX XXXX XXXX, GA XXXX Thanks, The Bluebird Team Hi, XXXX XXXX, Your Bluebird  balance is currently {$77.00}. As a reminder, you scheduled this regular balance update in your settings. 

Want to change or cancel this balance alert? You can do that here. 

Questions or want to learn more about Bluebird? Visit us at Bluebird.com/faqs. 

Thanks, The Bluebird Team
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (FL)

XXXX XXXX as Dovenmuehle transferred our mortgage to a new servicer while we were in a XXXX forbearance plan and failed to provide accurate data to the new servicer ( XXXX XXXX ). 

Now we are being threatened with foreclosure even though we had already started making payments to XXXXDovenmuehle XXXX 

The new mortgage servicer -XXXX  XXXX has stated that they have NOT received the complete and accurate data on our mortgage account which is causing serious financial issues.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2022-07-09
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, GA XXXX INQUIRIES : COLLECTIONS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX NAME XXXX EMPLOYER : ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 COLLECTIONS : XXXX XXXX XXXX XXXX XXXX EXPERIAN NAME : EMPLOYER XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX, GA XXXX INQUIRIES : COLLECTIONS : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-12
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. (MD)

I am reporting this because i have noticed inquiries on all 3 of my credit reports that I have not authorized or done. These inquiries do not belong to me. 

EQUIFAX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020 Clerk of the Court XXXX XXXX Filed a notice of withdrawal of Bankruptcy, I contacted the 3 major credit reporting bureaus so they could do there Research and remove this XXXX XXXX XXXX from my credit file XXXX XXXX XXXX 
Ive spent countless dollars and so much of time trying to dispute this unlawful Public record on my Personal Credit file it remains. according to FCRA EXPERIAN and XXXX have 30 calendar days to investigate errors and unlawful reporting.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (GA)

I sent a letter on XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00}
Consumer complaint received 2022-07-12
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. (OH)

On XX/XX/XXXX I sent a certified letter ( tracking number XXXX ) to EQUIFAX asking them to do a proper investigation and delete these erroneous accounts from my credit report : Account 1 : US DEPT ED XXXX XX/XX/XXXX {$5600.00} Account 2 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$3100.00} Account 3 : US DEPT OF ED/XXXX XXXX XX/XX/XXXX {$3000.00} Account 4 : US DEPT OF ED/XXXX XXXX XX/XX/XXXX {$1900.00} Account 5 : US DEPT ED XXXX XX/XX/XXXX {$6400.00} Account XXXX : U S DEPT OF EDXXXX XXXX XX/XX/XXXX {$11000.00} Account XXXX : XXXX XXXX  XXXX XX/XX/XXXX {$820.00} Account 8 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account 9 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account XXXX : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 11 : US DEPT OF EDXXXX XXXX XX/XX/XXXX {$6700.00} They stated that these accounts were properly investigated and verified but how is that possible if the open date is inaccurate, the date last active is inaccurate, the balance is inaccurate, and date last reported is not accurate. This is grounds for removal according to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). 

And to add insult to injury XXXX has also violated my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these credit bureaus written permission to furnish these accounts on my credit report. I am requesting that the CFPB hold these bureaus accountable according to the law and delete those accounts.
Consumer complaint received 2022-07-13
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 XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-13
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. (TX)

in accordance with the Fair Credit Reporting act 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