davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

When checking my credit report I have noticed that XXXX XXXX XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/2018, XX/XX/2018 XXXX, XX/XX/2018 and XXXX   XXXX  XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX  XXXX XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX XXXX XXXX or the company that they are collecting for. 

I disputed this debt with Experian on XX/XX/2018, XX/XX/2018 ,XX/XX/2018, XX/XX/2018 and Experian has failed to validate this Debt and continues to knowingly violated FCRA. 

Experian gives me know options on their website to re dispute this debt as not mine. 

I recently received a response to a dispute on approximately XX/XX/2018, XX/XX/2018 XXXX, XX/XX/2018 that I made under FCRA XXXX ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation with XXXX XXXX. 


I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this CFPB complaint. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
Consumer complaint received 2019-12-03
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. (OH)

My Name is XXXX XXXX I have requested some form of paperwork of legal docs supporting the claims of the following accounts : XXXX XXXX XXXX, XXXX XXXX. This is the 3rd time I have filed a complaint over the unknown account on my credit file. 
It is well known that FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for theseissues, and that section 621 of the FCRA supports my request in this matter
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX Trans Union I have contacted the credit bureaus several times to make them aware that the one late payment posted on my credit reports is incorrect. Ive contacted the merchant of the credit card company ( XXXX XXXX ) who agreed that it shouldve not been reported as a late payment by bureaus and I asked it to be removed effective immediately as its incorrect and untrue false reporting by breaus.
Consumer complaint received 2019-12-02
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bass & Associates, P.C., Attorneys at Law (AZ)

Disputing derogatory student loans with the Department of Education, I get a letter in the mail from '' Federal Student Aid ''. " Federal Student Aid '' Is not the Department Of Education, though they use DOE letterheads.I was told in the letter that no matter what, collection efforts will not stop because the same laws do not apply to " The Department '' .The letter also stated that my request to cease communications in writing had to be put into writing in order to be valid.The letter was rounded out by saying I owe a additional XXXX in '' Projected collection fees '' and to contact XXXX & XXXX.I sent a response containing yet another request ( 3rd ) to cease communications via certified mail.My wife got a phone call with a angry message from a woman saying I needed to call her about my student debt a few days later, then a written response saying they tried to call me because the letter I sent certified mail was empty.Its a huge burden to have student debt without the added stress of dealing with shady collectors.Anyone can see these letters all originated from the same source, and it isn't DOE, its a collection agency impersonation of DOE.They haven't provided the Original instrument of indebtness, A valid breakdown of their fees, What is owed and being reported to the CBs , and have on several occasions violated my consumer rights.I felt intimidated by these actions.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
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 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

Today XX/XX/XXXX and on XX/XX/XXXX I saw on my XXXX XXXX XXXX report. On XXXX and XXXX Experian credit report. They have inquiries that are due to identity theft. XXXX XXXX inquiry is XXXX XXXX. On XXXX is 2 inquiries one from XXXX XXXX XXXX and from XXXX XXXX credit card cos. These inquiries was not done by me. Also Experian has XXXX inquiry. These need to be taken off. Not done by me. Its identity theft. Also On XX/XX/XXXX. I reported to you Experian ... XXXX this TodayXX/XX/XXXX I went check my credit report as I do monthly. I found 1 inquiry from XXXX. 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX XXXX XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. XXXX XXXX {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft. As of today yes its still on my credit report!! SoXX/XX/XXXX its still on here ... XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX XXXX XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. these 4 accounts need to be taken off my report its identity theft. This creditor needs to stop changing collection agencies. To try to get money out of me when it identity theft. This credit was notified in XX/XX/XXXX. That these accounts are identity theft. The creditor refuses to stop trying to charge me. They keep changing collections agencies. Still shows up months to a year later with the same amount due. This is wrong and illegal! take this off block it
Consumer complaint received 2019-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (TX)

XX/XX/2018 I was scammed using XXXX. I used XXXX  because I thought it was safe. It was apart of my Navy Federal CU app. I tried to get tickets for my son and I for a basketball game. I paid the alleged ticket holder {$260.00} for two tickets and never received anything. Right after the transfer I was immediately blocked from calling the scammer. I called my CU they then told me to file a claim, and come into the CU to get a new card. I did, only to find out a week later that my claim was denied and I was out of XXXX  dollars. The CU said nothing could be done and not to use XXXX. Yet its offered on their mobile app. ( WOW ) Im a single mom who tried to get her son tickets to a game for his birthday. I was a victim of scam.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I wanted to transfer my amex membership rewards to XXXX XXXX  which I transferred before. However, it gives the error " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I don't have any recent rewards earned or used. I have no idea why it puts all my membership rewards frozen. I called customer service and they said that they have no idea and no clue why it was put under review, but it is frozen and nothing they can help. Trying to reach further to get some info why it is under review for all my rewards, but nothing useful get from customer service. They said everything looks fine, but it is indeed under review, all you have to do is wait 6-8 weeks. This is so unacceptable for put all rewards frozen for 6-8 weeks with no recent activity and no reason!
Consumer complaint received 2023-06-12
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just received my reinvestigation back from TRANSUNION INTERMEDIATE HOLDINGS , INC . They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). 
Because the list of accounts below are not accurate. The high balance, last verified, date reported, date of last activity, date opened, closed date, and date of last payment is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 They did not modify 100 % or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.
Consumer complaint received 2019-12-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (GA)

I have a student that was serviced by XXXX and I have been paying on it since XX/XX/2019. The loan was consolidated by Fed Loan Service, and they offered a loan forgiving program for Public Service Employees. I  requested an income sensitivity plan as part of the loan forgiveness program. 

The company placed me in a program to forgive my debt within 10 years ; however, I found out that the program is more window dressing than actually serving the best interest of the clients. My pay was sent to {$880.00} dollars per month which over the life of the loan would be {$100000.00} which would have settled all debts. I explained to them that I have other bills that I have to pay as well. I struggled for months until XX/XX/2019, and I finally realized that I could no longer survive this payment amount. On XX/XX/XXXX, I went to pay a bill online and my card was declined because of not enough money in my account. Luckily I was able to borrow some money to help pay that bill as well as my car note and insurance. 

On XX/XX/2019, I contacted the company and asked for my loan to be postponed because I am having issues making ends meet. The service rep suggested that joined the repaye program which should lower my payments. However, I believe it is more window dressing because I will still have to submit a form from my employer to certify that I am still a public service employee. This seems more like windows dressing because the rep stating if my income increases, they would take more money. 

On XX/XX/2019, I emailed the company and provided reasons as to why I could not afford to pay close to {$900.00} per month and total expenses including all loans of {$2900.00} per month. I explain that I have rent, a car loan, and credit card payments due around the same time as their payment. It leaves little to no money left out of my paycheck. 

Also, I asked them to cancel my repaye application until I had an opportunity to plan the best course of action. I may opt to do the 25 years fixed payment plan because it will provide a low fixed payment. I have been thinking about that all day because it might be their mode of operation to force people to chenge to 25-year plan. 

I need to resolve this issue before I go bankrupt.
Consumer complaint received 2023-06-12
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. (SC)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-06-12
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. (SC)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-31
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. (TX)

I XXXX XXXX, am filing this CFPB complaint for violations of my civil rights. Under the FCRA, 15 usc 1681 in accordance with federal law. My rights have been violated by the credit bureaus, XXXX, Trans Union and XXXX Information Services.

I sent my first dispute on XX/XX/2023 cerified receipt returned to each of the credit bureaus, in the dispute process. I never received any dispute results, In accordance with FCRA, 15 BUSC 1681 per fderal law. Not responding within 30 days. Constitute negligent noncompliance. According to the Fair Credit Reportng Act, 15 USC 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and rcord the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 

I demand to see verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE A COPY OF VERIFIABLE PROOF, you must remove the accounts listed below. 

On XX/XX/2023 I sent another certified letter Second Written Request for you to remove the unverified accounts listed, that remain on my credit report in violation of 15 USC 1681. The inverified items listed on my report still remain on my credit report in violation of Federal Law.

In accordance to the Fair Credit Reporting Act, 15 USC 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the pocedure used to determine the accuracy and completeness of the information, and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that descripition as according to the Faic Credit Reporting Act, 15 USC 1681 Section 611 ( a ) ( 7 ). 

In the lack of results, or non results of my first request for a investigation ( you did not send any verification information ) thus you are in direct violation of negligent noncompliance. 

You have not provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA-you are required to '' promptly DELETE all information which can not be verified. ".
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX and Chase Bank closed my account due to being a risk after multiple fraudulent charges that were not mine after I used their fraud department and they paid out on the charges then closed my accounts. XXXXXXXX XXXX XXXX  ( XXXX ) then XXXX  XXXX XXXX ( XXXX ). The monies depositedwere from XXXX XXXX and my monthly XXXX deposits. I was part of the Federal Government XXXX in XXXX. And the XXXX XXXX hacks as well as the XXXX XXXX. And XXXX XXXX hack after XXXX of XXXX. Recently the XXXX XXXX.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX