davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FIRST AMERICAN MORTGAGE TRUST (CA)

I am a victim of identity theft. I have a job pay my bills and taxes I don't complain about much but this company is robbing people blind and getting away with it. They will put garnishments on your payroll from work they can care less if you starve or die. I am tired of companies like this preying on poverty stricken hard working citizens. It needs to be stopped. I will be homeless by the time anyone receives my complaint.
Consumer complaint received 2022-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I refinanced my student loan ( through XXXX XXXX  by Firstmark Services ) early in XXXX, and payment in a total of {$43000.00} was made to the new loan company ( XXXX XXXX ) on XX/XX/XXXX. I made an overpayment of {$2000.00} by the time the transfer was completed. I called XXXX several times to follow up on that credit. When I called back in XXXX, the rep informed me that it takes 7-10 business days for the check to get sent to XXXX, and date for the check was supposed to be XXXX. I went ahead and called again that weekend to check if has been sent, and the rep informed me that it was and should take XXXX a few days before they can deposit. When I called XXXX on XX/XX/XXXX, I was informed that there was no check. I went ahead and called XXXX, and I was told that they were going to investigate. On XX/XX/XXXX, a week later, I called XXXX again to ask if a check has been received, and was informed that they did not receive anything at all. So, I called XXXX that same day, was on the phone with them for 23 minutes, and I was given the following information : 1. The check was supposed to be sent, but there is no check number nor transaction number that can be provided. 
2. It would need to get someone higher up to check the status. First is to check if check has been sent, then check if it has been cleared. If not, then they will need to put a stop on it, and will reissue. 
3. It will take another 7-10 business days before it can be resolved.

4. I asked for a supervisor and was provided the same statement.

5. I asked how would I know if it is being taken care of, and was told that they have recorded the issue on their end, so I insisted to get a call back by Friday. 

Here are my issues : - If I did not bother looking at my statements, I probably would have lost that money as apparently, there was nobody from their end checking up on it. 
- The transaction history ( see attached ) still shows a credit, which tells that a check may have never been sent- If they did in fact not send the check, they provided me a false information - Even after several attempts of resolving this with them, I am still not seeing any resolution- I am incurring more interest because my principal is higher than it should be as XXXX has not received the check yet
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my serious concerns and frustration regarding the unsuccessful attempts to rectify fraudulent items on my credit report. Despite my multiple efforts to dispute and correct this information, it persists on my credit file, causing significant harm to my financial reputation. 

I have attached copies of my credit reports highlighting the specific fraudulent items, along with supporting documentation that clearly demonstrates the illegitimate nature of these entries. 

Second dispute filed, providing additional evidence and supporting documentation. 
Third dispute submitted, accompanied by a detailed letter explaining the fraudulent nature of the items. 
Follow-up communication to check the status of the disputes and request resolution. 
Despite these diligent efforts, the fraudulent items persist on my credit report, impacting my creditworthiness and causing undue stress. I am aware of the seriousness of identity theft and the potential consequences for both consumers and creditors. 

I kindly request that you conduct a thorough and expedited investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a written response within 30 days of receiving this complaint, outlining the steps taken to address and resolve the situation. 

If my concerns are not adequately addressed within the specified timeframe, I will be left with no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
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. (TX)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX ACCT  # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above late payments to the referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/, my credit was used to purchase almost {$900.00} at three different stores ( XXXX, XXXX, and Macys ) despite the card remaining in my possession. I saw the charges on XX/XX/, and immediately contacted the credit card company to report the charges as fraudulent and they reversed the charges while they investigated. 

They also canceled my card and sent me a new one. 

On XX/XX/XXXX, I received a notice online after signing into my account to check to make sure that the replacement card they sent me had not also been fraudulently used. This is when I realized they notified me online ( instead of through the mail as requested, and how I receive my statements ) that they deemed I benefited from the fraudulent purchases, and therefore, the charges were legitimate and added back to my credit card bill. Apparently, they had the findings almost a week before I happened to check in! 

I immediately called them on XX/XX/, and told them that I wanted a detailed copy documenting their findings and supporting their determination because not only have I never been to 2 of the 3 stores the charges were made at, Ive never even used that credit card at that mall. Furthermore, any prudent person can look at my statements for the past XXXX XXXX  and see that I dont use the card at retail stores ever! I only really use it at med spas, and very rarely elsewhere. I was told that they were going to reopen my claim and that somebody would contact me. I am still waiting to be contacted and the charges still remain.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (KY)

Original creditor was XXXX the account was closed due to car broken into and identity theft and was to be investigated by creditor then XXXX took over XXXX and did not continue investigation I continued to pay on it till Hardship from XXXX and a sick husband with XXXX suicide attempts in 3 month period he lost his job Family hit with XXXX and Dad passed away I had XXXX going on my plate to be able to deal with all this and Now a lawsuit was placed and a lien on my property. I was not given a detailed charge of credit card They lie about amount owed and lied said I did not respomd and I have proof I did.
Consumer complaint received 2022-05-03
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. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXX Balance : {$190.00} ; XXXX XXXX XXXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX XXXX  XXXXX Balance : {$1700.00}.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$770.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX XXXX {$580.00} XXXX  XXXX BALANCED {$4100.00} XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-21
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. (MD)

In accordance of the Fair Credit Reporting act XXXX  Account, has violated my rights XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX Chapter XXXX bankruptcy petition 15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Second 2 : It also states a consumer reporting agency can not funish a account without my written instructions
Consumer complaint received 2022-05-03
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX LXXXX XXXXNK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-05-03
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/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 2022-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (FL)

Trident Asset Management collection agency has been reporting a debt of {$750.00} OPEN, which the original creditor XXXX XXXX acct # XXXX Was opened XX/XX/2018, has been paid/closed/ written off, with a balance of XXXX. Their incorrect reporting practices has affected me adversely. Their actions are not in compliance with the FCRA.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

The creditor XXXX failed to send a printed, electronic statement and failed to collect a payment by phone. I had an account that I had not used for a year and made XXXX charge in XXXX  2024 an completely forgot about it since I typically do not use credit cards and pay my balances in full every month if I do. However, I had so much difficulty with this XXXX account. I tried entering the account via website but I was unable to get any account information and every time the account was reset a password reset was never sent to my email or phone as it should have. I tried calling the customer service number but with the unbelievable long waits it was impossible to get to someone. Finally I was able to contact the creditor in XXXX over a weekend. I let them know I have never received a statement or account information and I was wondering about any payments due. They informed me they had the worn account email and information, I am not sure how. I paid the account in full and requested to close the account. The amount I owed at the time was no more than {$130.00}. I let them know that I was worried this might impact my impeccable credit and had no late payment. They reassured me this would not be reported to the credit bureaus since I called and explained they did not served me with any statements and it was only XXXX  days past due. In XXXX I tried to apply for a mortgage loan my credit scored had been up to XXXX, I realized my scored dropped to XXXX and I had negative history form XXXX. They violated federal law, according to 12 CFR Part 1026.5 of the Code of Federal Regulations covers general disclosure requirements for creditors. These requirements include : written or electronic statement disclosures to collect a debt. XXXX violated Federal consumer laws. After I submitted my dispute in writing, they failed to make the error issues. They refuse to delete my " late payment '' information and ignored the facts that it was their error for not disclosing any account information to me. I a requesting for them to be penalized and to correct my record. They can not report late payment if they failed to properly collect money under the laws. This is impacting my credit and I am unable to get a mortgage loan until this is corrected. I am an excellent A+ consumer, they are being careless and not taking responsibility for their billing errors. I will secure a lawyer to take legal action against them at this point since they failed to resolve the dispute. Please assist me with this and assuring they understand consumer law requirements.
Consumer complaint received 2022-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Managed Recovery Systems, Inc. (FL)

I made a reservation for a car rental using a 3rd party named XXXX but it was charged through XXXX. Once the reservation for XX/XX/2021 through XX/XX/2021 was paid for I received a confirmation email was received and my discover card was charged. The day I show up at the airport to pick up car, they had an issue and made us wait almost an hour to figure it out. They were able to figure out the issue and as curtesy for making us wait so long, they upgraded us. We returned the vehicle and there were no more problems. Months later we get a letter from XXXX saying we didn't pay. We showed them our reciepts and proof of payment but that was not enough and they placed me in collections, Even though we already paid.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-05-03
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. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00}. ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1800.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$190.00} ; XXXX XXXXXXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$700.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4400.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX Balance {$57.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$950.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX, TX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX
Consumer complaint received 2022-05-02
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right 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