davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

While on XXXX with the United States Military XXXX, I was the victim of Identity theft/fraud. Multiple inaccuracies and fraudulent accounts were opened using my credit information. I have disputed these accounts on multiple occasions, with both the credit bureaus and the company who owns the account. With my disputes I have explained the situation, supplied documentation of my XXXX, and the police report filed that led to the arrest of the person responsible. Still the credit bureau and company refuse to remove the incorrect/derogatory information.
Consumer complaint received 2016-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (OR)

My monthly loan payment increased significantly, but I feel stuck at that payment level because I am trying to take advantage of the 10 year Public Service ( XXXX ) repayment plan. My interest rate is also stuck at a ridiculous rate of 6.8 %, and the amount I pay each month makes other bills difficult for me and my family. FedLoan arbitrarily decides for me that paying almost {$500.00} per month is doable. I am now going into more credit card debt because of these higher payments, and I was told that a {$450.00} rent increase would not factor into this payment increase whatsoever. This is unfair.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

XXXX XXXX XXXX Creditor Account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All Agencies have 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 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.

Please help me with these inaccuracies because they are stopping me from being able to get jobs that i have recently applied for. I am currently unemployed and i have had to give on great opportunities that could lead me to living a better life for me and my family. The possibility of me ever becoming a homeowner is becoming a greater threat as time passes.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Management Holdings, LLC (TN)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING AC T ACCOUNT # XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. STATES 1 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 2024-01-12
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello -- On XXXX I made a purchase on my capital one credit card ending in XXXX with Walmart for the amount of XXXX. Subsequently several items were not in stock and not delivered, some items Walmart claimed to deliver but didn't, and a bunch of items were bad quaity. I provided aboundant documentaiton verbally and electronically to Capital one to help ajudicate the dispute in my favor, yet they declined it twice. I am asking you to step in and help.
Consumer complaint received 2016-03-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FRESNO CREDIT BUREAU (CA)

A collection account from the Fresno Credit Bureau appeared on my credit report for the first time in the summer of XXXX. The balance was {$250.00} and the original creditor was XXXX XXXX XXXX opened on XXXX XXXX, XXXX. I was fully covered by student insurance at the time. I never received the bill from either parties nor was I ever notified of this bill 's existence or when it went into collections. After speaking to XXXX XXXX XXXX directly, they confirmed that they had attempted to contact me at the incorrect address and phone number. After confirming that they also failed to bill my insurance, XXXX XXXX XXXX verified that all outstanding balances shall be written off and removed from my credit report. A couple weeks later, I received a letter from the Fresno Credit Bureau, stating that my collection account has been cancelled and requested for my account to be deleted from consumer reporting agencies. After noticing that the collection account is still appearing on my credit report, I reached out to the Fresno Credit Bureau in XXXX XXXX by phone and they claimed that the paperwork has been filed and my account should be taken off within 30 days. It has been 8 months and the collection account is still on my credit report.
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Cash advance fee — 
Company: JPMORGAN CHASE & CO. (CT)

There has been a recurring charge on my monthly statements of XXXX {$30.00} for " Cash Advance Interest ''. 
I never have used cash advances. I finally called ( after neglectfully assuming that it would correct itself ) and spoke first with customer service and then to a a " finance manager '' named XXXX. 
I asked him to explain the charge. He fumbled for answers and then said he needed to go back in my statements. He went all the way back to 2011 which is when I opened the account. He could not give me any specific reason fro the charge but led me to believe it was something I had done. I asked for a higher authority and he said that all I could do was to write to their review department in XXXX. 
Is it possible that I have paid over {$2100.00} in unwarranted charges over these years?
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to file a formal complaint against TransUnion, XXXX, and XXXX regarding the inaccurate information on my credit report. Despite multiple attempts to address and rectify the inaccuracies, no action has been taken by the credit bureaus in question. 

The disputed items on my credit report include the following : TransUnion : 1. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please explain and verify how you obtained this information. All payments were made on time. See attached report from Department XXXX XXXX XXXX. 
AZ XXXX CHILD SUPPORT Account Number : XXXX Please remove it from my credit report. 

XXXX : XXXX. The inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please explain and verify how you obtained this information. All payments were made on time. See attached report from Department XXXX XXXX XXXX. 
AZ XXXX CHILD SUPPORT Account Number : XXXX Please remove it from my credit report. 

XXXX : XXXX. The inquiry was not authorized. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please explain and verify how you obtained this information. All payments were made on time. See attached report from Department XXXX XXXX XXXX. 
AZ XXXX CHILD SUPPORT Account Number : XXXX Please remove it from my credit report. 

I have made two attempts to request the credit bureaus to delete the inaccurate information through written disputes, providing supporting documentation to substantiate my claims. However, despite my efforts, there has been no resolution or corrective action taken by the credit bureaus to rectify these inaccuracies.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2016-04-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (CA)

I 've asked Navient ( formerly XXXX XXXX ) for XXXX things : 1. ) to have my cosigner released from my loans, and 2. ) to be provided with amortization information on my loans. Navient has denied both requests, for reasons that have not been made clear. There is no reason why my cosigner should not be released. I have paid as agreed on my loans for the entire time I 've been paying my loans, and I 've never defaulted. I formally applied to Navient to have my cosigner released and they denied my request, in writing, but with no reason explained. Also, there is no way to obtain amortization information for my loans. I 've asked Navient through their message center and was told that the information " is not available at this time. '' These practices are wrong. I 'm looking for information on the terms of my loan, which they refuse to provide. I 'm not looking to lower my payment, I 'm not looking to get out of my payments, and I 'm not looking to change the terms of my payment plan in any way. I 'm simply asking Navient to release my cosigner because there 's no reason for her to continue to receive correspondence from them or be bound to my loans, because I 've paid as agreed for the entire term of the loan thus far.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've contacted the credit reporting agencies several times in regard to charge-off being reported on my consumer profile. The account with XXXX XXXX XXXX reached charged-off status and the lender cancelled and forgave the debt. The debt was filed on the lenders taxes as a tax write off. This is not a disputable debt because INCOME CAN NOT be reported on a consumer 's profile. Each bureau has the responsibility of reporting maximum accuracy per 15 USC 1681 ( E ) B. I contacted each agency XXXX and XX/XX/2023 to resolve the issue. I contacted the lender to provide documentation that has also been submitted to credit bureaus and the account is still reporting inaccurately on my profile, which is further violating the FCRA.
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I called in to dispute transactions of fraud on my account. The representative filed the first one in the amount of {$5600.00} and when she was done, she found more of the same transactions to dispute in the amount of XXXX dollars. I sent in a police report and was promptly denied and was not given a clear reason. Then I asked for a second look on XX/XX/2023, and within the next two days I received a credit of XXXX dollars, and they were still investigating the XXXXdollar dispute. I thought it was funny how they paid one so quick and not the other. I waited and on XX/XX/2023, I was denied because they said I participated in the scam. I don't think they are acting in good faith. I would think if I participated in it then they would not have paid either of the claims.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

While I was contacting different XXXX dealers, I contacted a company called " XXXX XXXX XXXX '' based on a XXXX XXXX guide advertising to inquire about the best package they can offer. XXXX from that company answered the phone and made me an offer that sounded ok. I explained to him that I 'm still contacting other companies and comparing offers, so he asked for some personal details to secure the tailored offer for me by saving it under my name. 
Few days later, I got an alert ( Through an ID monitoring service ) that my credit report had a hard inquiry twice, once from a company called " Alert center reviews '' which I have never heard of, and another from XXXX XXXX. 
By the time this has already occurred, I had already found the company that has the best reputation and best offer and signed up with them. Few days later I found XXXX more hits on my credit report ( Hard inquiries ). 
I called Equifax to dispute the first XXXX pulls as that company never had my consent nor mentioned they would run my credit. Equifax denied helping and instructed me to contact the company directly. I called the company and got their manager 's number ( Or at least who I was told he was ) XXXX. And called him to sort things out, he said he will reverse the pull but never did. 
I tried to google the company " advanced home security '' to get their address and send a formal registered letter asking for any evidence of my consent they had when they ran my credit. Only to find out that the company does not exist. At that point I realized that I was a victim of a scam and they fraudulently ran my credit. 
I called Equifax again on XXXX/XXXX/16, and spoke to XXXX ( Customer Service Agent ) who completely refused to help. I then asked to speak to a supervisor, was transferred to XXXX who helped me put an initial 90 days fraud alert but still refused to do anything to reverse the credit pulls and their impact on my credit score. She insisted that I contact the company again and ask them to do it. 
XXXX refused to consolidate the hits in one single it as they are all related to one single topic and still left me with XXXX different pulls from XXXX XXXX plus XXXX pulls from the companies ( Total of XXXX ). 
As I am only left with a phone number of a person who -supposedly- is the manager of a company that in turn does n't exist online nor have a physical address. My only hope at this point is that you can help me remove the extra credit pulls from my credit report.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting Act XXXX  ; Account : XXXX XXXXXXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX, - XXXXXXXX XXXX XXXX XXXX, Account : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (TX)

While checking my credit score on XX/XX/year>. I have found that it almost went down XXXX points eventhough I was never late on any payments or applied for any new accounts. After investigating I found that somebody fraudulently created citi double cashback credit card ( XXXX ) account in my name and used to purchase lot of things without repaying the bill and which affected my credit score. I have immediately disputed this with all three agencies and XXXX came back saying it is my account and I can revert it. I am awaiting for other agency response. Meanwhile I called XXXX XXXX  and asked about this. They said this account is closed but my credit score is still going down with late payment due to this account. They also mentioned that they will send me email and mail. I still have not received any call, mail or email regarding this since XX/XX/year>. I have called them thrice still did not get any mail or email They have promised email. But did not receive any till now. My credit score is going down I dont see any end to this issue. Could you please help me to resolve this issue ASAP.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX  ( D. Ariz. 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate..

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
2. 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once.

3. 1681i. Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once 4. 15 USC 1681b ( a ) ( XXXX ) ( a ) XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
5. 15 U.S Code 1681q. Obtaining information under false pretenses XXXX XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
6. 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies XXXX Account Number : XXXX If you are unable to verify the accuracy of this account, then please update it to show that it is paid as agreed and is never late.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.