davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (TN)

On XX/XX/2023 I received a copy of my consumer report ; to ensure all information is reporting accurately. According to the FCRA the information furnished and reporting is out dated information; please remove and delete these accounts. 
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 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to address the presence of fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely linked to me without my knowledge or consent, causing significant distress and concern. As a victim of identity theft, I have promptly reported this crime and now seek your cooperation in rectifying the situation. It is essential to remove all fraudulent information from my credit report and conduct a thorough investigation. I am prepared to provide evidence and, if needed, take legal action to protect my rights and pursue appropriate compensation. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I have found an inaccuracy on my XXXX credit reports. The account is in collections, listing Transworld systems inc. as collection agency. Account # XXXX and another account # XXXX The original creditor XXXX XXXX. I have never heard of this company, this is not my debt. 

Will you please have said company remove this collections. Thank you!!!
Consumer complaint received 2023-06-14
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/2016 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

On XX/XX/year>, I discovered that my name has been utilized without my permission, which constitutes a violation of consumer rights under applicable laws, including the Fair Credit Reporting Act and other relevant consumer protection statutes. This unauthorized use has resulted in significant XXXX and potential harm to my personal and financial reputation. 

I request that you provide clarification regarding how my name was used and the nature of the account in question. Additionally, I demand that you cease all use of my name immediately and rectify any records that incorrectly associate me with this account. This is what was say said when I contacted them.
Consumer complaint received 2023-06-14
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. (LA)

My credit report is showing missed payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was not required to make any payments for those months according to the two letters that I received from the Department of Education ( Covid 19 Administrative Forbearance which was extended until XX/XX/XXXX ) and from the Department of Education ( Borrower 's Defense Department ). 
I sent over a dispute form, along with a copy of the letters that stated I was not required to make any payments, twice to the Department of Education Default Resolution Department. The first was sent around XX/XX/XXXX. I was told that the late payments can't be removed because the loan was in default and to wait until the loan comes out of default then they would be removed. Now that the loans are out of default, the late payments still haven't been removed. 
So, I sent another dispute form around XX/XX/XXXX explaining that regardless of the loans being in default it was not right to report late payments when I wasn't required to make payments and that the loans are now out of default and the late payments still haven't been removed. They responded with I needed to contact the company that is now servicing my loans which is XXXX. I reached out to XXXX and they said that my loans are currently in the Covid 19 Administrative Forbearance which was extended until XX/XX/XXXX and no payments are due at this time. They also stated that they started servicing my loans XX/XX/XXXX and are not responsible for anything that happened prior to that.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, ny, XXXX XX/XX/year> I recently received a copy of my XXXX, Equifax and XXXX credit report and I noticed some late payments posted on my credit report XXXX XXXX account # XXXX, I have attached a copy of my credit report with the proof of the late payments Your company is in clear violation of the law. Under 15 USC sub section 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) 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 written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 usc sub section 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 account from my consumer report, this agency is in violation of 15 usc sub section 1681.
Consumer complaint received 2023-06-14
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$8400.00} XX/XX/XXXX XXXXXXXX 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 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I had a student loan out with Navient and I called them to discuss being a teacher for a non profit organization about 7 years ago. They told me I would qualify for the Non profit forgiveness loan but I have wait 6 years and then {$8000.00} would be forgiven. I called them multiple times to follow-up and they gave me the same information ( phone calls are on record ). After 6 years I called and they told me we needed you to sign a form, you have to wait another 6 years now. A form was NEVER mentioned prior, I obviously would have done it, I even made follow-up phone calls to ensure I received the forgiveness, and I was never made aware of having to sign something. When I was obviously upset on the phone, the enployee told me Navient had been cheating their customers for a long time, it was announced 2 days prior to my call, and I should join the class action lawsuit. The lawsuit seems to be about late payments, which I wouldnt qualify for. I need help please!
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IN)

Midland falsely claimed to have a default judgment. There are many procedural errors in the lawsuit they filed such as not serving me with notice before filing the lawsuit, fraudulently claiming it had served me at an address that does not exist, then reporting an account to the credit bureau that does not exist.
Consumer complaint received 2023-06-14
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (VT)

We requested the SCRA military relief act to be applied to our credit cards through Chase. Chase has denied the benefit stating the benefit does not apply to our card because my husband is only an authorized user on the account and is not liable for the account. They further stated the law does not apply because we live in Vermont. All of our other cards had no problem and promptly gave us the SCRA benefit on our account. We believe we are eligible for this benefit and Chase is breaking the law by not extending this benefit to our account.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NM)

After being charged {$83.00} from XXXX I contacted XXXX and they agreed to give me my money back only they needed the transaction number to do that. Chime bank has refused to give me the transaction number and even after I dispute the transaction they have decided that Im going to pay the {$83.00} even though I didnt create this account and XXXX agreed to give me my money back now my account is in the rear of {$100.00} and Im not going to pay it.
Consumer complaint received 2023-06-14
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: EQUIFAX, 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. 

Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 2017-12-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MI)

I fell behind on my mortgage in XXXX XXXX when I was off work due to my back injury. I applied for loss mitigation in XXXX XXXX. I went back to work in XXXX XXXX as well. I was approved for a trial modification. I faxed the final documents back to Wells Fargo in XXXX XXXX and began making the trial payments. I made trial period payments in XXXX XXXX and XXXX XXXX. In mid XXXX, I received a letter from Wells Fargo stating that they never received the signed modification documents and that I was being removed from the trial modification program. Up until this point I did not realize that Wells Fargo did not receive the documents I sent. When I called Wells Fargo to clear up this mistake, I was told the only option I have is to reinstate the loan. Wells Fargo scheduled a foreclosure sale for XXXX XXXX, XXXX.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

As of XXXX of XXXX. I discovered that I've become a victim of identity theft. I had a substantial amount of money in my checking/savings and credit card account and overlooked large sums of money being charged and transferred from my account. It has been verified that my account has been compromised due to a spyware remotely accessing my phone. I was able to get an incident report from law enforcement and an identity theft report from the Federal Trade Commission to support my claim after thorough investigation was done and confirmation was made of how my accounts were compromised. Multiple lines of credit of was opened and services were used in my name. I reached out to Navy Federal Credit Union to dispute the charges with the Fraud Department. I first discovered the unauthorized credit card charges, in which I reported to Navy Federal. An investigation was done and I was able to get the charges credited back to my credit card. The original credit card account was closed and a new card was issued. After filtering through my checking/savings account, I discovered charges dating back to XXXX that I was unaware of. There were a large amount of XXXX and XXXX transactions, along with other fraudulent charges that was linked in my name. The Fraud Department issued a 'Statement of Forgery for Navy Federal Debit Card/CUCard Form ' for me to list each itemized fraudulent charge. I submitted as many charges that I was able to list on the form. I also have additional to submit as well. I was advised that an investigation would be done and I would be notified of a decision within 45 days. I haven't heard from anyone at NFCU in regards to my fraud claim. After a few months went by, I have followed up with a NFCU representative to verify the status of my claim. I was advised that the claim was denied. I received no notice of denial via phone, mail, or email. I have yet to get a fair resolution based on a lack of support and lack of effort in properly investigating this matter in a timely fashion. Within the time of the identity theft, I have experienced a major financial hardship that caused me to almost lose my home and a car repossession. I had to apply for government assistance in order for me to keep my bills paid. This has also affected my credit. I've applied for a personal loan, auto loan and even an increase in my credit limit for my credit card. I've been denied for all three loans ( in which my consumer law/FCRA rights have been violated ).
Consumer complaint received 2024-08-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AL)

I was in an apartment that I lived in up until my lease agreement. I gave a 60+ day notice, even have documentation that I cut off the utilities out of my name, and lease agreement of an apartment in a whole other state. A year and a half later I received a collection on my credit saying I owe for 6 months ( XXXX ) after my lease was up. 

I have provided them this information ( disconnected utilities, new lease agreement. ) and tried to dispute but it was denied. 

Ive also had complaints throughout my lease agreement of wanting to move and do a buyout agreement. There was also an altercation with the maintenance guy in the the property management was aware of that resulted me in feeling unsafe and wanting to move out of the complex.
Consumer complaint received 2016-09-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (WI)

Dear XXXX. Seterus is charging me fees to see if I still live in my home ( I requested it me be retured ). They " say '' they send a guy out to see if I still live there. I call them every month and talk to them. Setures took the account over XX/XX/XXXX15. I tryed to pay extra to get caught up on my account ( now does that sound to you of a guy who is going to abandon the property? ) .If they give me back my late fees and house watch fees their would be enough in the account to get caught up but NO, all the care about is money and stealing homes for huge profits.WHY do I need these crimminals handling my account for, they do n't care about communities or people they have to step on. I call them to investage my payments to see what the mistake was make and to call me. They told me they do n't call people with the results, WHY? What are they hiding, so they send paper work they you need a lawyer to explain what it means and they know I ca n't afford that so they get away with if. WHY are n't you as a goverment agency helping me with this problem againest these crimminals? SO NOW they took MY extra money and applied it to the principle, I NEVER GAVE THEM PREMISSION TO DO THAT, just another way for crimminals to get more money from me. I am asking you as a goverment agency to get my money back and apply it to the back taxes account or have then send me a chech for the FULL AMOUNT.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

IN REFERENCE OF THE BELOW ACCOUNT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX In accordance with the Fair Credit Reporting Act XXXX acct # 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 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Consumer complaint received 2023-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (NY)

According to my online doctors portal, I have paid everything that I owed. Now I have bills from the same company saying I still owe {$290.00} as well as them submitting a complaint to collections. Collections says I owe {$170.00}. The portal shows I owe nothing to the company. With the collections letter, it includes an account number that I do not recognize.