davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NY)

I have a large medical balance with XXXX XXXX XXXX. When I tried to set up a payment plan, they wanted a $ XXXX payment, which is impossible for me to make. I have, however, made a payment to them every month for the last 10 months ( since I got the bill ). They however sent my acct to collection because it is not a $ XXXX payment. The collection agency calls me all the time. Telephone # XXXX. They never leave a message, if i answer they hang up, etc. I just received a call at my workplace from a XXXX XXXX, who refused to identify herself except as XXXX to the secretary. I have told her under no uncertain terms, she is not to call my work #. She says she is allowed to unless I tell her not to, which she has now been told. I find it absolutely unbelievable that an acct that has never gone 30 days without a payment ( and some as often as every 2 weeks ) has been sent to collection, let alone an acct that has monthly payments on it, allows this woman to contact my workplace!
Consumer complaint received 2022-06-24
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. (GA)

On XX/XX/22 I put in a dispute with Experian for a removal of a public bankruptcy record that they stated was verified through XXXX XXXX. 
However, I disputed the accuracy of the bankruptcy with XXXX XXXX on XX/XX/22 the dispute was not verified and removed from the report. 
I XXXX XXXX, consumer, and natural person, I am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : Bankruptcy Account NumberXXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Sincerely, XXXX XXXX
Consumer complaint received 2021-06-30
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. (PA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MS)

Opened Goodyear Credit Card to save money on tires ( {$75.00} ) and spread payment out for no interest for 6 months. Paid off in 4 months XXXX XX/XX/XXXX ) with no interest. Received bill for late payment of interest only charges and late fee. Called XX/XX/XXXX to resolve and they removed late fee {$29.00} but would not get rid of interest. Paid off {$41.00} in interest as I no longer have any documentation of offer.
Consumer complaint received 2021-06-30
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)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$560.00} Reason : Account is fraudulent Account Name : CREDIT CENTRAL Account Number : XXXX AMOUNT : {$780.00} Reason : Account is fraudulent Account Name : FSNB, NA Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1400.00} Reason : Account is fraudulent Inquiries : XXXXXXXX XXXX XXXX XX/XX/XXXX AMPS/NALLEY 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 2021-06-30
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. (IL)

I sent in a request on XX/XX/20 requesting method of verification for 3 accounts. I have attached the letter as well. I have not received any documentation or response at all. the following accounts that was : XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account They have not sent any type of response to my request. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of the request concerning the accounts that they are reporting on my credit report.
Consumer complaint received 2021-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NM)

I graduated from college in XX/XX/2001 and my repayment began 6 months later. Over the past 20 years I have pretty much been on an Income Reduced payment plan with some periods of forbearance due to returning to school. I am a Federal employee and tried to get the civil servant forgiveness program. After giving the necessary paperwork I was informed that I didnt have enough time and needed to wait until I reached my 10 year service mark. I did just that. THEN I was told after 10 years service that I didnt have the " right loan ''. After 19 years past graduation I was told I had to get a different loan to qualify for the forgiveness ... so I got the loan they stated was needed. I called back and said ok ... I got the right loan and 10 years of service!! Then they tell me that the clock started over again!!! Are you kidding me?? I then inquired about something I read about loan forgiveness after 20 years ... .they said yes, that's true, but because you refinanced the clock started over. So, you're telling me that at 19 years post graduation you instructed me to refinance INSTEAD of instructing me to continue to pay for only 1 more year? This is shady business. When I retire in 10 years will I still have the same loan hanging over my head because you keep only giving bits and pieces of information?
Consumer complaint received 2022-06-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-06-30
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: CREDIT ACCEPTANCE CORPORATION (NJ)

I got this account that is not mine and i want it to be remove from my credit report asap. 

1. Identity Theft CREDIT ACCEPTANCE CORP Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (MN)

We were behind in our house payments by about {$9400.00}. We took advantage of the XXXX  program in the fall of XXXX, that President Obama had just started. The XXXX program assists in getting you caught up to current. Then they assist you with a monthly amount for 3 years. After that you are to stay current with your payments for 5 years, and then the loan is forgiven and you get the lien release. Because of unemployment, in the summer of XXXX, we got behind by 3 months. The XXXX allows for a 2 month skip. HUD wants us to pay back the full amount of {$32000.00}. The break down assessment that HUD sent us showed the 3 years of monthly assistance, and the amount that our lender, TCF Bank  charged. I do not have an issue with paying back the monthly amounts of assistance, but there is a {$22000.00} amount form the lender that does not have break down. I have been in contact with HUD, but they have bot been able to get any answers fro TCF. I also have tried contacting TCF and their response to me was that their records have been deleted because of the length of time since we started the XXXX   program. I am not sure why HUD does not have that {$22000.00} break down. We would like to take advantage of the current low rates, but can not until this is resolved.
Consumer complaint received 2021-06-30
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. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 35 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report. Its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-06-30
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. (NY)

I sent Experian that the last date active arent accurate with my credit report and That I need the Original contract Pay off disclosure Interest rate disclosure Balance history Payment history From this accounts XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-06-30
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)

I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.
Consumer complaint received 2021-06-30
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. (WA)

There is one account on my credit report that does not belong to me it is not mine I have not signed or used this account!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is one account on my credit report that is not mine I have not opened used or know of this account I do not know what to do I have tried reaching out to the bureaus and nothing!!! 

XXXX XXXXXXXX XXXX - Account # XXXX Amt {$550.00} Opened XX/XX/2014 XXXX
Consumer complaint received 2022-06-27
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. (PA)

I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DEPT OF ED/XXXX XXXXXXXX Balance : {$2000.00}
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (WV)

I am filing an complaint against Navy Federal Credit Union due to the following message I sent to them concerning overwhelming conditions : Navy Federal I am receiving messages concerning overdrafts by mail and email. I have direct deposit so your funds will be reimbursed to you Navy Federal. I wish you were this informative when you stated I owed a credit from the stimulus check on XX/XX/XXXX that I was charged for in XXXX. I never got a phone call nor did I see this credit appear in my account. Also you Navy Federal had a representative call me on a Saturday. This is illegal look it up for yourself. I am tried of the harassments from your agency this is unnecessary. You sent me a letter about the overdraft but didn't give me the same respect about the credit you claimed I owed around XX/XX/XXXX. Shame on you Navy Federal you will reap what you sow. Somehow poor and certain races always get attacked by companies and businesses such as yours I am so regretful that i joined your agency as a member.
Consumer complaint received 2022-06-24
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Unauthorized inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-06-24
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 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
Consumer complaint received 2022-06-24
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. (GA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (SC)

On Thursday, XX/XX/XXXX I received a notification that my account was frozen and I needed to call the customer service number to get my account unlocked. I did this, and after an hour and 45 minutes of sitting on hold I was connected with a representative, and the problem was resolved. Then on Friday, XX/XX/XXXX I received another notification that my account was frozen and to call the same customer service number. I tried to call that number two times and both times I was disconnected after being on hold for over 3 hours. I tried to call that number again on Saturday, XX/XX/XXXX 4 different times and still no one would answer my call. I called again on Sunday, XX/XX/XXXX 8 times and never got connected to anyone. I finally called today, Monday, XX/XX/XXXX 3 times, after being disconnected twice for the hold be over 3 hours and the representative tells me that Discover decided to close my account without notifying me and would not give me a reason on the phone. I now have to wait 7-10 business days for a letter with the explanation and 60 days to get my money back that was already deposited into that account.
Consumer complaint received 2021-06-30
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. (NV)

Good Evening, I have been having an issue with the 3 credit bureaus reporting fraudulent information on my credit profile regarding XXXX XXXX XXXX I have called and sent in several letters with no resolution. I have asked several times for proof of the account listed on my profile. I have needed specified information and these companies are not able to provide. They only respond with letters stating the account is verified. 

I have asked for supporting documents and also how was the method of verification completed. Seeked out signatures, payment history, billing statements, etc. 

I have called on XX/XX/XXXX to XXXX  and Transunion. 
XX/XX/XXXX XXXX. XX/XX/XXXX to all three bureaus XX/XX/XXXX and XXXX to XXXX. 

Certified letters has been sent to each bureaus as well XX/XX/XXXX, XX/XX/XXXX, and latest letter XX/XX/XXXX. 

I have received written response form Transunion and XXXX. The letters in response just states the accounts have been verified but no evidence of that. XXXX  has no sent any responding letters. Only updated info online stating accounts accurate. 

I will attach screenshots of the account being listed showing inconsistent reporting and date opened date. Also different account numbers. Please reach out of any other is needed.