davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

what are these remarks by XXXX on my CREDIT REPORT EXPERIAN : Account previously in dispute - investigation complete, reported by data furnisher Good evening, XXXX. I'm XXXX, a supervisor in our Utah billing department. I apologize for the frustration you've experienced with your attempt to close the dispute with XXXX 's. Our intent is not to over complicate the request and I appreciate you bringing this to our attention. I can confirm that the dispute was closed as of earlier today. In regards to the remarks that you mentioned - all disputed transactions found in favor of the merchant must be reported " as disputed '' to the credit bureaus by XXXX. That would have been placed on your account with the dispute previously ; however, because the case was closed at your request, I will update that and you will receive written confirmation of the update via mail. Is there anything else I may assist you with at this time? 

I never knew a dispute with a credit card was reported to the credit bureaus and now XXXX is affecting my credit score it dipped 39 points in a month! Why are you reporting something and since the first dispute I won because that business refunded me I was in the right and I won the XXXX dispute too as the franchise owner sent me vouchers that equalled the whole amount of my purchase. So are you reporting false information to the 3 credit bureas? I will soon be buying a new home and you better be reporting this correctly as this is my livelihood. XXXX has been horrible to work with. I have NEVER had these issues with any of my credit card companies. XXXX is the best one I have and everytime I have a dispute especially if it under {$50.00} they simply credit me and a dispute is automatic. I do not have to email you people everytime to trigger it. Once I pay this credit card off I will not be using it. You have been treating me very poorly. The only reason I had XXXX is because of the foreign fees, but now you are affecting my credit scores and it is not acceptable. I will report you to the CFPB if you can not confirm HOW you resolved and reported to the credit bureas for the past two disputes.So you are stating you found the dispute to be in favor of the merchant? Ummm no the XXXX XXXX REFUNDED ME for the dispute I have records of my XXXX  case and everything and XXXX the same thing! I sent you a message twice for these when they sent me a credit stating that they gave me a credit. WHY ARE YOU FILING THE DISPUTE IN FAVOR OF THE MERCHANT?!
Consumer complaint received 2022-07-14
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. (TX)

Hello on XX/XX/2022 I sent a inquiry removal letter and FTC report to Transunion and received a computer response. They dont understand this is hurting my record and tarnishing my character, They are brushing off my issue and not taking me serious. I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the XXXX data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these inquiries be removed please. I also attached the bland computer response i received that did not resolve the problem which is why I am submitting this complaint.
Consumer complaint received 2023-02-09
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: CITIBANK, N.A. (FL)

CITI XXXX XXXX IS IN VIOLATION OF THE FDCPA & FCRA. 
PLEASE REFER TO THE DOCUMENTS ATTACHED TO THIS COMPLAINT
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

On Sunday XX/XX/XXXX I checked my Experian report and these false accounts that have been disputed three times are still reporting. I have sent three certified letters to Experian to correct, remove and provide verification and proof within 15 days they have ignored. 

XXXX XXXX XXXX XXXX accounts all say they are current when they have been closed for years if they are mine I do not recognize them. This gives me multiple late payments. I called and spoke with XXXX fir an hour last week and he promised the would be removed and they are still there. 

Further on the XXXX XXXX IT is missing required information such as balance, status and amount owed as well as date of first delinquency and date of last activity. Further the status date was not when I have disputed it is dated XXXX!!?!? NO INVESTIGATION HAS EVER BEEN DONE SO MUST DELETE! 

XXXX XXXX ACCOUNT also says CURRENT when if it is mine I dont recognize it was listed as closed a XXXX. FURTHER AND SHOCKINGLY it has the DATE OPENED XX/XX/XXXX AFTER THE STATUS DATE AND THE balance updated??!?! CLEARLY FALSE INFO MUST BE DELETED! 

XXXX ACCOUNT IS ALSO LISTED AS CURRENT AND IS MISSING CRITICAL INFORMATION SUCH AS date of last activity date of first delinquency and it was also never investigated as required and lied about by Experian because the status date us three years ago!! Must delete! 

XXXX XXXX account has been disputed multiple times because it is TOO OLD TO REPORT AS THE DARE OF FIRSTDEMI QUENCY WAS iver 7.5 years ago. The payment schedule has NO DATA FOR THAT TIME PERIOD AND THE STATUS UPDATE IS Five YEARS AGO! DELETE FOR TOO OLD AND FOR LYING ABOUT-INVESTIGATION AND DELETE!!!
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

Good evening, To whom it may concern, I paid Shellpoint Mortgage double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent NEW REZ a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to NEW REZ and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I also did not accrue any late fees which means my payment was not considered late on their end. The representative reassured me that credit reporting would not occur due to seeing the funds available for transfer. I am disputing to have the report removed from my credit. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.
Consumer complaint received 2022-07-18
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX. 
Account XXXX XXXX # XXXX. 
Account AD XXXXXXXX XXXX XXXX  # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX 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
Consumer complaint received 2020-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I never paid the following accounts late, XXXX XXXX XXXX : TransUnion is reporting no late payments, XXXX is reporting a a payment status of Current but a late payment of 30 days late in XX/XX/XXXX and XXXX is reporting no late payments, XXXX : TransUnion is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but late payments of 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but a late payment of 30 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX and XXXX is not reporting this account, XXXX Account Number XXXX TransUnion and XXXX is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

Hello I have a Citi card - In my XXXX statement payable on XX/XX/2020 I had a balance of XXXX. On XX/XX/2020 I had a refund of {$980.00} from the airline for a cancelled ticket and this was credited to my credit card account. As this was credited before the bill payment date and the amount was more than the bill amount - we expected this to be a payment received before the due date and did not pay anything more towards this bill. We were surprised to find a late payment fee of {$29.00} being charged on XX/XX/2020 - we called the card company and they said even if other credits are there, she has to pay the minimum amount to avoid the late fees. After much argument they agreed to reverse the entry. Today I used the card in a store and it was rejected. On calling the Card company, we were told that the card has been inactivated as no minimum payment was received. We have made the minimum payment now. We felt this was an unfair trade practice and would like to complain against this. Request you to take action so that it does not happen in the future. Thanking you
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (GA)

I had made several attempts to contact this collection agency for validation of a debt they claim I owe and are reporting on my credit report. 

I sent a dispute letter on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. 

All I have received are copies of a statement. 

I am aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and am simply asking for proof that I am indeed the party being asked to pay this debt, and that there is some contractual obligation which is binding on me to pay it. 

Legal validation consists of the following : 1. Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. 
2. Date of Last Activity 3. My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from.

4. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

5. The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe.

6. Proof of photo identification ( i.e., driver 's license, state identification card, orother government issued identification card ) that waspresented to youat the time of incurring this debt.

7. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.

8. Proof that this debt has not beenwritten off as a tax liability.

9. Any other intimate knowledge of the creation of the debt by you, the collection agency.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I WANT THIS ACCOUNT REMOVED ASAP OFF MY CREDIT REPORT THIS IS FRAUDULENT ACCOUNT AND REPORTING IN ERROR THIS IS CAUSING ME NOT BE ABLE TO GET HOME LOAN
Consumer complaint received 2021-10-14
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: Navient Solutions, LLC. (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2020-08-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX CARD  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX CARD  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Company has not concluded an investigation and it has been well over 30 days. Thye continue to leave incorrect and unverified information on my credit report. They also have addresses on my report that I never lived at. Please do something about this!
Consumer complaint received 2020-11-15
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. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX WOMEN WITHIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NJ)

XX/XX/XXXX Greetings, I am writing to request assistance with Navient XXXX XXXX XXXX. I am aware of the recent lawsuit, which I believe and will fully explain why I think we ( my son and me as co-signer ) are eligible for loan forgiveness. My son took out a student loan in XXXX ( disbursement date XXXX/XXXX/XXXX ) in the amount of {$16000.00} to cover tuition at XXXX XXXX University in New Jersey. My son was not able to continue due to serious health issues. He has a XXXX disorder ( XXXX ) which became very severe and difficult to control. As a result, it was extremely difficult to for him to focus as he was having a several XXXX a day, and he could not continue in school ( documentation can be provided ). After a 5 day hospitalization in XXXX, doctors were able to customize his medication and control the XXXX ( documentation can be provided ). During all of this time, he tried to keep up with the loan payments, but the monthly amount was prohibitive. In XXXX, he requested a lower monthly payment. Navient refused, and advised him to go into forbearance for 18 months, not explaining that the interest would continue to accrue, a practice I know is unethical and covered under the lawsuit. This has now resulted in a balance larger than the initial loan amount. 
I have written to Navient several times since XX/XX/XXXX. They have not responded to my request, and also refuse to release me as co-signer, indicating that I have to provide proof of program completion. As explained above, my son could not continue school due to medical issues, and was unable to complete his program. 
Yesterday ( XX/XX/XXXX ), we found out that Navient has reported both of us to the credit bureaus, which has seriously negatively impacted our credit score. I have written to Navient many times, and have reported this to several agencies, but no one has helped. I write today to desperately request your assistance. The loan information is below :
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I sent a letter to XXXX, Equifax, and XXXX XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( Acct # XXXX ) 2.Dept Of Ed-Opened XXXX XXXX ( Acct # XXXX ) XXXX. XXXX XXXX XXXX- Opened XXXX XXXX ( Acct # XXXX ) Its been well over 30 days. I still havent recieved anything back. According to 15 USC 1681i ( a ) ( 1 ) ( a ) XXXX, Equifax, and XXXX have 30 days to respond to my dispute. This is a violation of my rights. I explain to them in writing if you dont have the Original Agreement then I need an updated error free credit report.