davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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. (NY)

I am filing a formal complaint regarding the violation of my rights and the Fair Credit Reporting Act by the consumer reporting agencies. As a natural person, I have federally protected consumer rights to privacy and confidentiality under 15 USC 1681. However, the following accounts were furnished to the agencies without my written instructions, and I demand their immediate deletion : XXXX XXXXXXXX XXXX The consumer reporting agencies are governed by 15 USC 1681, and their violation of my rights several times is unacceptable. As per 15 U.S.C 1681 section 602 A., I have the right to privacy, and Section 604 A Section 2 states that consumer reporting agencies can not furnish an account without written instructions. 

Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing adverse information other than records of convictions of crimes that antedate the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any inaccurate information relating to a consumer to any consumer reporting agency. 

I demand that these accounts be removed immediately, as the consumer reporting agencies have violated my rights.
Consumer complaint received 2020-07-01
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)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$280.00}
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (TN)

I have sent American Express three certified letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all three in XXXX, attached ) in which I disputed two accounts ( Account number XXXX, Charge-off Balance {$2000.00} and Account number XXXX, Charge-off Balance {$2300.00} ) on my credit report. I have requested an investigation of these accounts and of any proof that these accounts are mine but they have ignored my letters and phone calls. More importantly they have refuse to include a posting of a Notice of Dispute to my XXXX credit report which is a requirement that needs to be placed no later than 30 days after being notified of the dispute. As of XX/XX/XXXX that has still not been done ( see attachment ). 

Per the FCRA : FCRA Section 623 ( b ) ( 1 ) provides than when a furnisher receives a notice of dispute regarding the completeness or accuracy of reported information from a CRA, the furnisher must conduct a reasonable investigation and review all relevant information provided by the CRA. 

Duty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information. The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. 

Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. 

Substantial Penalties for FCRA Violations Not complying with the FCRA can subject the furnisher to statutory damages of {$100.00} - {$1000.00} per violation. The FCRA states that plaintiffs can also win punitive damages and recover attorney fees, these types of violations make appealing class-action targets. 

Attached is my current ( XX/XX/XXXX ) XXXX credit reports of the American Express accounts. As you can see there is no Notice of Dispute even after seven months of disputing this account to the furnisher, American Express.
Consumer complaint received 2020-07-01
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. (TX)

University XXXX XXXX inquiry fir XXXX  program turned into a bill that I have zero knowledge of. I never signed any paperwork but they state I owe them {$370.00} and they keep selling it to all the credit agencies and they keep reporting. Ive called and University XXXX XXXX has transferred me to 4 departments and no help. This is fraud and I owe them nothing for a XXXX   Program
Consumer complaint received 2020-07-01
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

MAILED COLLECTIONS ATTEMPTS TO XXXX COUNTY SHERIFFS DEPARTMENT IN XXXX WISCONSIN LOCATED AT XXXX XXXX XXXX, WHICH THEY THEN OPENED AND REALIZED IT DIDNT BELONG TO A EMPLOYEE OR A DETAINEE. WAKEFIELD AND ASSOSIATES GAVE THEM INFORMATION WITHOUT MY PERMISSION.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX XXXX : {$6600.00}
Consumer complaint received 2020-07-01
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. (FL)

Made a dispute with credit bureau in regards to inaccurate accounts. Credit bureau sent a letter stating the disputed accounts were " verified. '' However these accounts are not reporting correctly so im confused how they are verified while being incorrect. I then sent a letter to the bureau asking for documents contained in the investigation based on FCRA 611 ( A ) ( 7 ). As of today 7/1/2020 I have not received info about the report and incorrect items still remain. The bureau is not following E-Oscar and Metro 2 compliance protocol.
Consumer complaint received 2023-06-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2023, at XXXX I was at a chase atm and I deposited XXXX cash in all XXXX in my account. I also have a video of me at XXXX of me at the atm with the money prior to the incident. The machine took my money, and proceeded to load slow, it kept making noise as if it had trouble counting it, after about 7 minutes the machine printed out a receipt saying call a XXXX to be sure that my deposit went through. So I called Chase and told them everything that happen and they filed a claim. They kept telling me that they didnt see a deposit of XXXX pending. They told me a credit of the full amount would post to my account during the 10 day investigation, they keep reassuring me that everything was going to be okay. 
On XX/XX/2023, XXXX, I called chase customer service line again and spoke to a representative about my claim. I again explained the atm situation again, and ask for an expedited credit to my account. I needed to pay my rent which is due before the XXXX and any day after will result in a late free which Im trying to avoid. So I pleaded for the credit and the Rep said that she will send the request to the back office for approval for the expedited credit of XXXX that I lost to their atm. I waited on the phone for about 13 minutes for approval, and the rep came back and said the back office denied the expedited credit and I would hath to wait the 10 days. At that point I asked for a supervisor, the representative told me that the supervisor would tell me that same thing, I told her to please transfer me. The supervisor got on the phone, and she explained to me that because on their end they only see me inserting my card and putting in my PIN number but they dont a deposit, so I asked her did you guys check the camera, and she said I would hath to get a subpoena. At this point I could tell that the supervisor was getting aggravated so I started Crying because Im the one who lost my money trusting their atm, and shes giving me attitude, then she says she would never deposit that much money in a atm she wouldve went inside the bank, and then asked for her superior to speak to, and she told me to have a good day, and hang up on me. At that point Im still out of XXXX so I went to the bank branch at XXXX and spoke to the branch manager about the whole situation, he was kind and reassured me that he was going to file a complaint against the supervisor but he couldnt help me the XXXX that I lost, he said I would have to wait the 10 days. At the point I freaked out because I dont want to get evicted from my apartment because 10 days is way past the 5 day deadline for rent. I simply trying to deposit the cash in my account to pay my rent. They wont even credit my account so I could pay it for the time being not even hath. Im so sad and depress. I have never experienced anything like this.
Consumer complaint received 2020-07-01
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. (TN)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in detailed letter referencing federal laws that bureaus must abide by, based on their lack of responding in the time frame and their investigation and their results they have not abused by these laws.
Consumer complaint received 2020-07-01
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. (TN)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in detailed letter referencing federal laws that bureaus must abide by, based on their lack of responding in the time frame and their investigation and their results they have not abused by these laws.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Prosper Marketplace, Inc. (TX)

we received a new prosper credit card in XXXX and promptly registered the account for online access and added 2 checking accounts to make payments from. 
When the first statement was received in XXXX we tried to make payment online but it did not work as we received a error message that payment could not be processed and to try again later. 
We tried 2 accounts and different web browsers with the same result and subsequent re tries also failed.

We next downloaded the app and tried but it did not work either, we send 2 emails to customer service with no response and were unsuccessful calling the number to reach a agent.

The problem persisted with the next stratement in XXXX, we send additional emails with once again no response, we tried calling again and finally got a hold of agent who told us the account was in collection and we had to pay the full balance by giving them a bank account number over the phone. 
i explained to them that we tried to make payments but due to their system not working were unable to and she acknowledged that their system showed various payment attempts since XX/XX/XXXX but told us there was nothing she could do. 
i feel like i am being defrauded by this company as they are unwilling to resolve a problem they caused
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NC)

Housing financial educator did nothing to help but I paid them {$1700.00} and navy Federal knows they did nothing but won't help me get my money back because they are a third party. OK why do they allow you to get a third party to help if they will not acknowledge that you got the third party and what they did or didn't do. I can't get my money back because they are saying they got were the ones that got me put on this program when navy fed tells me they did nothing they haven't even talked to them. They said I have to get an XXXX for them to talk. OK why should I have to go through so much just to get my money back when navy fed knows they didn't work with them and all the have to do is say that. Again they said getting them was OK I even had to sign paperwork saying that I was working with them and it was on for them to share my info and now they can't say they what happened that makes no since at all. The money came out oXXXX XXXX XXXX and they won't help because I waited to long over six months to ask for my money. OK these were monthly payments and it was over six months that I saw they were doing nothing and XXXX never told me I has six months to get my money back
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (AZ)

Never receive any paperwork prior to collection / reported on bureau. I went ahead and paid it on XX/XX/XXXX and the collection agency said they would send it for the trade line to be deleted off my credit. I called in on XX/XX/XXXX and spoke with a rep who said they wont remove it. I asked for a supervisor, and spoke to XXXX on XX/XX/XXXX who said give him 72 hours and he would call back after pulling the recording to verify that was what I was told. I never heard back so I called that following Friday, he didnt have the tape still and said he would call me back Monday. Its now XX/XX/XXXX. We keep calling and cant reach him and no one has called back. I want the trade line deleted as promised when I paid. Called today and spoke with XXXX who said I cant help you bye the call wasnt recorded. By law they have to be.
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It appears that my complaints # XXXX, XXXX, and XXXX that I submitted on XX/XX/XXXX was closed when I checked it. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information 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 you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 2020-07-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (NY)

On XX/XX/XXXX, Discover Student Loans put my student  loan in repayment, despite the letters I sent ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), through its secure message application, reporting that my account should not go into repayment because I am a XXXX student, and will remain under this status until my graduation, expected either in XX/XX/XXXX or XX/XX/XXXX. 

On XX/XX/XXXX, I am receiving a letter reporting that my student  account has been delinquent for 9 nine days, and informing me that it will be reported to the consumer reporting agencies. The letter also asks me to pay the monthly payment of {$640.00}, and my student  account online comes up with late payment. amount of 2 x {$640.00} = {$1200.00}. 

No matter what I explain to Discover Student Loan, I keep having representatives pretending that they base their decision on the report from my school, which is just inaccurate because I am enrolled XXXX 

I am therefore requesting action from the Consumer Financial Protection Bureau to get the current action from Discover Student Loan suspended, have the status of my student  loan account reversed to " in school  '' as it should be, and get an explanation from Discover Student Loan.
Consumer complaint received 2020-07-01
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws
Consumer complaint received 2020-07-01
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. (TN)

Equifax ; XXXX  and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$4100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a lease with an apartment lease and lived in the unit for the full term of the lease. I provided proper notification well within the time allotted per the lease agreement to vacate and therefore there is no outstanding balance due and nothing to collect and/or chargeoff. I was not aware there were any issues and that this account had gone to collections until I obtained a most recent copy of my credit report. I have contacted the bureaus and XXXX XXXX XXXX to fix this however, I have not been successful. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed.
Consumer complaint received 2023-04-02
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: EQUIFAX, INC. (IL)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX  ( Finance ), XXXX XXXX XXXX  ( Bank ), XXXX  XXXX ( Bank ), XXXX ( Finance ), XXXX XXXX XXXX ( Finance ), XXXX  XXXX ( Bank ), XXXX XXXX  XXXX ( Auto ), XXXX XXXX XXXX ( Bank ), XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) , XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX XXXX ( Bank ), XXXX XXXX XXXX ( Bank ), XXXX XXXX XXXX ( Bank ) , XXXX ( Bank ), XXXX XXXX XXXX and 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 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the 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 information is inaccurate.
Consumer complaint received 2023-04-02
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. (FL)

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 XXXX XXXX  acct # XXXX and Child Support XXXX, has violated my rights. 15 USC 1681 section 604 A Section 2 also states consumer reporting agencies can not furnish a account without my written instructions. 15 USC 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 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.