davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I contacted equifax on XXXX/XXXX/15 regarding a public record listed on my report. I have disputed this item several times and every time they keep coming back stating that it is verified. When asked details of how they verified they refuse to provide me any details. On XXXX/XXXX/15 I spoke to XXXX at equifax over the phone regarding this public record listed on my report and that it is inaccurate and I would like details on how they verified it because I had spoken to the courts that this public record is listed from and they advised that they do not honor any verification requests from any of the credit bureaus. Equifax failed to provide me with details on how they verified this information only stating that it was verified. Per the law I am entitled to request details on the investigation process and as of right now they are willfully non complaint with my request. If they are unable to provide me with details on how they verified this information directly from the courts They need to immediately remove the public record being listed or I will be forced to take legal action against them for non compliance. I want details of how they verified this information, what date they verified it, method of contact with the courts, what was obtained, did they obtain original docket papers from that case.
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (LA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2015-07-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (SC)

Paypal limited my account with no choice of appeal or fair hearing. Operating in restraint of consumer rights. It was so bad that it destroyed my means of safety, security, and income online. They left me vulnurable to online predators and thieves. I hope you can address the issue quickly and have this dealt with. Im an ID victim and they just dont seem to care at all. The monopolize the market with competent secure media for financial transactions and chose to dictate the terms in the marketplace. Again operating in restraint of trade. I want my account reinstated without hesitation and equal access as a consumer to their product.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$990.00}, XXXX  XXXX Bal. {$0.00}
Consumer complaint received 2016-03-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (GA)

My daughter and I have retained an attorney ( XXXX XXXX XXXX ) to ( 1 ) attempt to negotiate a pre-litigation settlements of our debts and ( 2 ) litigate the matter if necessary. Navient, the the third party servicer for a yet to be identified student loan trust, is very aware of XXXX XXXX 's involvement in our affair and Navient has been advised he is our counsel. We are also aware Navient has spoken directly with XXXX XXXX and his staff. However, it is our understanding Navient is refusing to negotiate in good faith. MY DAUGHTER AND MY particular complaint herein is NAVIENT IS REFUSING TO DISCONTINUE DIRECT CONTACT WITH US because XXXX XXXX is not simply accepting they insistence we pay XXXX % of the debt owed immediately. As a debt collector for the student loan trust, I belive NAVIENT IS VIOLATING THE FDCPA 's provisions that a debt collector must cease direct communications when they know or have reason to believe we are represented by counsel. They should not be allowed to ignore my attorney and/or not speak with him when they do not like what he is saying. Moreover, they fact he is simply not agreeing with him does not mean we are unrepresented. XXXX XXXX is our attorney until we complete litigation is necessary. Therefore, NAVIENT is knowingly and malicious disregarding the provision of federal collection law.
Consumer complaint received 2016-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

Chase Mortgage has ruined my life. Just look how they reported ... XXXX LIE! If I 'd have been that delinquent, do n't you think they 'd have foreclosed? I have paid their cheating inflated unsubstantiated monthly note for 16 years since 2001. They SAID THEY THOUGHT WE WERE XXXX YEARS OLD, SO THEY 'D MISCALCULATED OUR PAYMENT! They ARE International criminals -assessed.what XXXX, or XXXX and supposed to compensate mortgage holders. Not me - they ALWAYS say I 'm behind " ... uh, because of escrow, or uh, because of shortage in last payment compounded blah blah liars liars thieves. I WILL get a forensic accountant to find where they 've done, besides two times they collected {$12000.00} cash on XXXX or they 'd foreclose!!! and then sold my house anyway, but I was at the sale and had it stopped! They SO LIE about all. another try, their lawyers had to have certified teller check for {$12000.00} on XX/XX/XXXX " or else ''. They Systematically deny my application for HARP or mortgage interest lowering '' the underwriters rejected your app '' they MAKE sure something goes wrong so that i ca n't qualify ... like the credit report. now i see the damage they 're continuing to do. I 've PAID for that house, which by the way, was an original XXXX in 2001 of {$150000.00}. This report is a refinance from 7.5 down to 5.5. THEN they said we were XXXX!!! The amount then financed was NOT {$150.00}, ooo. it was {$120.00}. Maybe someone can now investigate their ruination of me. THEY called my creditors - I always made my payments, but all of a sudden, all the vendors cut off my credit. I was stunned. Chase did it. Also, they say I was late all those times ... can no one see what 's going on? ALSO, Finally -- at XXXX, my husband got a LOT of pay from OT. Then, in XX/XX/XXXX or XX/XX/XXXX, XXXX stopped it. He still works a lot of events, but he stays HOME 2 or 3 days a week when that happens, then works 18 hour days. We lost $ XXXX every single month. Plus, we had a baby, and he never would take care - to doctor, etc. She got sick I out more than director wanted and I got FIRED!!! at XXXX. I found a great job, but 20 hours only. Still no 40 hour jobs avail. So, we went from fine, with savings adds every month (! ) to no salary from me + then XXXX, and no oT from him. Chase Mortgage THAT month jacked note from {$1000.00} to {$1700.00}, and kept for 6 months. They broke us on purpose, and I lost my good credit name.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I have provided my photo ID along with the other required documents.
Consumer complaint received 2016-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMCOL Systems, Inc. (OH)

I had my report pull in XXXX XXXX I found unverified information listed on my report.I received a information that under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from AMCOL SYSTEMS INC but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/XXXX ], to protect my privacy and medical records from third parties. I do not recall giving permission to { name of provider } for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter-sent certified mail as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back with you certified mail. 

Regards, Certified mail No : AMCOL SYSTEMS INC # XXXX XXXX XXXX XXXX XXXX , SC XXXX
Consumer complaint received 2016-03-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: KEYCORP (WA)

I opened up a checking and saving account with Key bank in XXXX Washington, on XXXX XXXX 2016. I was told by the teller she has order my debit card and checks the day of opening. And that it would take XXXX 10 business days to arrive to the bank. I was called on XXXX XXXX to pick up Checks. I thought I would be picking up my debit card as well. When I went to go pick up my checks there was no debit card. I was then told by another teller that my debit card was never ordered. I request for a manager to give me a call back. But the manager never called me back to check on my concern. Then 3 days later an ATM card was issued to me that did not help with any thing but accessing my funds from an atm. At this point I never received a call from the manager to express no concern. Today is XXXX XXXX 2016 and I have not received a debit card. There was no concern shown for me nor any express of apology shown for the inconvenience about me no receiving my debit card.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

REQUESTED THREE TIMES YO THE CREDIT BUREAUS TO REMOVE UNAUTHORIZED INQUIRIES TO THE CREDIT BUREAUS I HAVE LISTED BELOW ALL UNAUTHORIZED INQUIRIES Creditor Name Date 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 XXXXXX/XX/year>
Consumer complaint received 2021-11-19
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: WELLS FARGO & COMPANY (GA)

I was a victim of identity thief, I old roommate made purchases on my card while I was undergoing XXXX. He made unauthorized charges in which XXXX did not notify me instead start reporting negative items to the credit report. XXXX also sold my account and gave up all rights on this account. The company that took over this account and XXXX both agreed to have this account completely remove from all three credit bureaus and currently the account is still reporting on all three bureaus. Im a protected veteran and if this account is not completely removed from all three bureaus I will file sue against XXXX for allowing fraudulent unauthorized charges to be made and negative impacting of my credit file. The agreement was this account would be removed from all three credit bureaus. XXXX, XXXX and XXXX have all agreed to remove it as long as they got request from XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi TransUnion, I just received a copy of my credit report and I found those fraud inquiries that shall delete from my credit report. I don't know what is going about those thief getting access to my credit report information. 

XXXX XXXX, inquiry date : XX/XX/year>XXXX XXXX XXXX XXXX inquiry date : XX/XX/year>XXXX XXXX XXXX XXXX, inquiry date : XX/XX/year>XXXX XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX, inquiry date : XX/XX/year> XXXX / XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX, inquiry date : XX/XX/year> XXXX  XXXX, inquiry date : XX/XX/year>
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I have XXXX authorized user accounts. These XXXX accounts are my wife 's accounts. The issue I am having is Equifax is removing these accounts. I have called the banks and confirmed that Equifax is removing them. I have to call these banks every month to repost. Only XXXX account out of the XXXX will show up on the Equifax report at one time. I spoke to XXXX on XXXX/XXXX/2016 and they said that they report every month to Equifax. I spoke to a Equifax supervisor on XXXX/XXXX/16. I was told that since my credit report file is large that Equifax does not have enough room to report these authorized user accounts and these AU accounts are being removed. This is not acceptable. This is hurting my credit history and credit score. Equifax said that there is nothing they can do to fix this issue on their end. My credit is not reporting accurately. Equifax needs to fix this. Equifax has basically told me that my credit report is going to keep reporting incorrect information and they will not fix it. There is no dispute number since there is no account to dispute because Equifax removed it. I am including my XX/XX/XXXX Equifax. It lists the XXXX XXXX XXXX Account, XXXX, and XXXX XXXX, and XXXX account, The Equifax report in XX/XX/XXXX has XXXX. The Equifax XX/XX/XXXX XXXX was removed. According to Equifax while we were on the phone the XXXX AU account re-appeared shortly after the XXXX account was removed. This needs to stop. I need all of my wifes AU accounts posting correct on Equifax. XXXX XXXX XXXX and XXXX show up on the other credit bureaus.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (AZ)

follow the steps to get my free credit report from Equifax and as I was about shoes right down the confirmation number and do my report lost connection I was not able to retrieve information have no way of getting my information at this point and make my report so can someone tell me how I can retrieve my report after losing the information on the site retrieving
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

It has been more than 30 days since my last dispute/complaint, the account in question with XXXX is still reporting. 

I have officially filed an XXXX form to combat the continued to reporting of this account any further. Please remove the charged account with XXXX under the ground of no evidence being provided by the creditor in question within 30 day period. Because of the lack of response, I can not accept responsibility or ownership of the account in question. As I mentioned in my complaint, XXXX sold this debt and gave up their legal right to collect therefore legally they are to report this balance as {$0.00}, they have failed to do that but also failed to prove the account is mine or any further evidence of accuracy in reporting. XXXX has removed this account. XXXX and Equifax need to as well. 

You have 15 days to remove this account from my credit report, else I will have to take legal action against all parties. 

Thank you for your time.
Consumer complaint received 2015-11-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: High Point Asset Inc (TX)

receiving calls at my place of employment. had my husband call to request the name of the company and request calls to stop. the name of the company given by the person who answered the phone can not be found via internet search. I believe this may be the same company that my husband filed another complaint against due to repeated and threatening calls to our home.. they said the name of the company was High Point Access XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2015-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: EOS Holdings, Inc. (IL)

XXXX XXXX XXXX SENT MY CHARGED OFF BILL OVER 6 YEAR PERIOD OVER XXXX COLLECTION AGENCIES, KNOWING TELEPHONE ( XXXX ) XXXX WAS USED WITH THE FTC I.D . THEFT REPORT SENT TO YOU IN XXXX WITHOUT ANY CCONCERN. AS A RESULT OF THEIR ACTION DESTRYED MY CREDIT AND NOW HAVE XXXX COLLECTION REPORTING ON ALL CREDIT REPORTS SINCE 2010 IN VIOLATION OF EVERYTHING
Consumer complaint received 2015-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (FL)

Quicken loans has failed to satisfy my XXXX taxes for 2015 after my loan closing on XXXX which provided for payment in full. The response I have received is pathetic. I have repeated over and over why the payment was rejected and the customer service is unacceptable. I will commence legal action as a result of your inept response. XXXX is my loan number and I am telling everyone on social media about your pitiful service.