davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
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. (TX)

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.

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 2023-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Credit Management has harassed me even after I told them to stop calling. They also are reporting false information as I paid off another of my XXXX Credit Card they are not taking off the balance. They continue to call even when I tell them to stop they just hang up the phone and call again a few days later they send letter after letter in mail and harass me to the point where I can't even get normal calls for work. I got call records and audio where I asked them to stop as I started to record every call I answer now with an app that auto records.
Consumer complaint received 2019-03-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (DE)

I graduated from XXXX XXXX in XX/XX/2003 with approximately {$92000.00} in Federal Loans with a combination of unsubsidized and subsidized loans. I consolidated them into one loan with a very low interest rate ( approximately 3.00 % ). XXXX was my servicer, but then Navient appeared on my documents. Prior to that it was the XXXX XXXX XXXX XXXX ( XXXX ) I believe. During that time, I had a medical issue and was unable to work and was receiving XXXX from a XXXX insurance policy that I bought previously ( which only lasted 2 years ). To avoid default or late payments, I filed forbearances, deferrals, and the hardship exception ( once after calling them back and telling them that I qualified for it because I did not realize I did and went on forbearance ). Over the course of those years, I was never offered the Income Driven Repayment Plan for a possible $ XXXX  monthly payment ( I had no income and needed the XXXX money to pay for medical insurance and living expenses ). Over the course of approximately 7 years, {$50000.00} in interest was added to my school loans. I now owe {$140000.00} even though I graduated with {$92000.00} in loans. It seems crazy to be charged half of what I owed in interest for 7 years at a 3 % rate while trying to recover medically and returning to the work force. I am currently with XXXX XXXX, have consolidated Direct Loans, and I am working toward the Public Service Loan Forgiveness ( PSLF ) Exception to try to have some of this interest forgiven. However, I have 7 years to go before forgiveness is an option. I am a XXXX XXXX XXXX  working in a low income school district which qualifies for PSLF. My payments just went from $ XXXX/mo to $ XXXXmo because of my salary. I don't believe that I owe an additional {$50000.00} in interest. I need someone to review these accounts to see if there were any deceptive practices or other causes of action.
Consumer complaint received 2023-10-13
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. (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. THIS SECTION ON WHY THESE CREDIT INACCURACIES ARE DETRIMENTAL TO YOUR LIVELIHOOD and a financial hinderance for myself and family.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2023-10-13
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. (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. THIS SECTION ON WHY THESE CREDIT INACCURACIES ARE DETRIMENTAL TO YOUR LIVELIHOOD and a financial hinderance for myself and family.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2023-10-13
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: North American Asset Services, LLC (AZ)

I deposited a check from a friend name XXXX, Here is his phone number : ( XXXX ). He asked me to deposited a check that He got from a customer I asked him why can't he deposited the money himself and he said that becuase his bank was in another state. I deposited it and at first when I mobile dospit the check didn't go through. I had to wait a few days for it. after recieving the money he told me that he needed XXXX too pay for some moving expenses and which I did. unknownly a few days later the check was returned back and the bank took the XXXX check back. I was very shock when this occur. I had recently tried to contact this merchant by he didn't answer my call or texts and I saw in the description that the reason for the dospited return checks was because the account was closed. I was a vicitim of fruad and this guy and the person who wrote the check took advantage me and the rest of the funds I have.
Consumer complaint received 2023-10-14
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION (TX)

My home loan just recently got sold to Regions bank from XXXX. I contacted Regions bank to day to try and close / release my escrow account so I can pay my own taxes and so on. They told me that I need to pay a fee of XXXX XXXX of the home principle balance, that works out to just about {$500.00}. The bank I left and my loan terms do NOT state a fee to get out of the escrow account. I don't think it is right a bank charges a fee to close an escrow account. It is like they are penalizing for closing this and I don't see how a fee to do is legal and morally right as a consumer I feel this is wrong.
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Home American Mortgage Corp (CO)

I applied for a mortgage with Home American Mortgage, a subsidiary or XXXX XXXX XXXX in which I felt pressured to obtain their mortgage due to the extraordinary incentives that the builder would provide. If we obtained a mortgage with Home American Mortgage for our new home we would get {$25000.00} off of the price of the house. I applied for the Mortgage on XX/XX/2022 and did not receive the required disclosures, including the Loan Estimate until XX/XX/2022 violating the three day initial disclosure requirement. I further was charged for costs I now understand I did not have to pay due to their failure to make proper disclosures to us. I feel this the practice by XXXX XXXX XXXX and Home American Mortgage to limit our choice of mortgage providers, with their extrodinary incentive of {$25000.00} to be a highly deceptive practice when they can not meet the disclosure requirements established for consumers to evaluate our right to choose an appropriate lender. We ultimately had to close on our mortgage with Home American Mortgage under discussions of them unlocking our rate if we did not close on the home. We were forced to purchase a home in sub par condition, at the threat of loosing our rate in an increasing rate environment where we would have suffered a long term financial hardship should we delayed the closing for the builder to correct the work.
Consumer complaint received 2024-11-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Service International Corp (OH)

company by the name of XXXX XXXX said that i had a contract to use there garbage disposal service. I never heard of this company until about XXXX years ago when a derogatory event was put on my credit report and the bank reduced my credit line buy XXXX XXXX dollars. this company is trying to extort money from me what can i do? the collections agency harassing me is called CREDIT SERVICE INTL. PHONE XXXX XXXX XXXX THE AMOUNT THEY ARE TRYING TO COLLECT IS {$260.00} ACCOUNT # XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-10-14
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. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$280.00} DPT ED/XXXX XXXX Balance : {$1500.00} DPT ED/XXXX XXXX Balance : {$2200.00} DPT ED/XXXX XXXX Balance : {$1500.00} DPT ED/XXXX XXXX Balance : {$2200.00}
Consumer complaint received 2019-07-30
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. (OH)

I contacted XXXX, XXXX, and Experian on XX/XX/2019 in dispute to remove a bankruptcy from my reports. XX/XX/2019 both XXXX and Experian responded saying they verified the bankruptcy as accurate through XXXX XXXX. I then contacted XXXX XXXX XX/XX/2019 for my full file disclosure, I received the reports and there was no bankruptcy on the files I called and spoke with a rep and they stated they never received anything from the bureaus and it must've gotten lost in transit they didn't verify anything. I have a copy of my XXXX XXXX report.
Consumer complaint received 2023-10-13
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. (MO)

i sent the credit reporting agency letters stating that my mortgage company was reporting. Inaccurate information I sent proof bank statements of date payments were made and they said they validated or verified that it was true no I sent actual proof of my bank statement, but they didn't send me anything of the process that they did to prove that it was verified so I'm requesting them to remove those late payments from my credit report. 
according to 15 usc 1681s-2 -1681 ( a ) ( 2 )
Consumer complaint received 2023-10-14
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: Experian Information Solutions Inc. (CT)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2023-10-14
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

Please excuse any typos Im dictating this on my XXXX and I have XXXX  which XXXX XXXX XXXX XXXX XXXX well. 
The issue is with bases practice is around there. No more worry insurance on furniture. The way it works. Is you buy insurance for five years if you dont use the insurance, the policy gets reimbursed now first of all, its a scam to begin with because the furniture and they were dealing with a very high-end from XXXX XXXX  and should come with a five year warranty that doesnt require an added warranty, so its just a way of sucking you in paying more for your furniture XXXX and this is the real killer they dont notify you when your policy expires so if you dont keep track of yourself five years later and file on time your claim youre out of luck I think this is a very the stuff this up to practice very on consumer, friendly, and just deliberately delivered and its in blatant And its and its deceptiveness I recently had this happened to me with the purchase. I made five years ago and missed it by a month. Theres no way of escalating it or disputing it within Macys. Their customer service process is totally broken. Any customer service agent Ive tried to talk to just passed me on to somebody else most of them dont speak English very well. Ive had global jobs with companies like XXXX and understand accidents from people around the world, I cant understand these human. These human beings are working Macys customer service and theyre stateside. Youre not offshore I can not understand what youre saying I want day I spoke to three different customer service agents all of whom I could not understand they talk into the collar they dont annunciate they dont care the customer cant understand what theyre saying. They provide no solution to it. Theyre totally insular. Its a very aggravating Situation and here I am trying to spend $ XXXX {$20000.00} on furniture at a company who is practically bankrupt and can really use high net worth customers like myself By the way, your website doesnt work very well. Im trying to click the button about publishing this and Ive done it multiple times on a new XXXX and it doesnt want to click you need to fix it. Your your service is just as aggravating as Macys which is not unusual for a government entity. Sorry for the for the insult you deserve it. Ill keep dry. there is finally work.
Consumer complaint received 2023-10-14
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NH)

Acct # XXXX Acct type : collections Date open : XX/XX/XXXX On record to XX/XX/XXXX today is XX/XX/XXXX Reinstate any points list. Dispute with all 3 credit collections in case there on any other. 
Reason why is it still on my report 1 year past recorded date XX/XX/XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A. (CA)

I made a hotel reservation in XXXX XXXX, CA through XXXX on XXXX using my Citi Costco credit card on XX/XX/2023 ( see the confirmation email PDF ). When I arrived at the hotel around XXXX on XX/XX/2023, the front desk told me they had not received the order from XXXX because XXXX was not an authorized partner of the hotel, and therefore could not offer me the reserved room. She also told me that several customers who had reserved through XXXX had the same problems in the last few days. Without any hope of resolving the issue on site, I had no other choice but to give up the reservation. 

I filed a dispute with Citi for a charge back of the reservation ( case number XXXX ). On XX/XX/2023, Citi notified me that the dispute has been denied but XXXX claimed that ( 1 ) I did not contact them on XX/XX/2023 to resolve the issue first per their Agreement and ( 2 ) I signed for receiving the reservation. The temporary credit applied by Citi will be reversed shortly. 

The claim by XXXX  is completely false because I called the customer service number of XXXX  immediately around XXXX on XX/XX/2023 to resolve this issue. ( see screenshot of my call history on XX/XX/2023 ). But no one answered the phone. Furthermore, XXXX failed to show the signed receipt from the hotel on XX/XX/2023. The signature it showed was for the online reservation on XX/XX/2023. 

This complaint against XXXX  is filed concurrently with Federal Trade Commission for business fraud.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
" XXXX XXXX '' OPENED XX/XX/XXXX FOR {$210.00} " XXXX XXXX XXXX '' OPENED XX/XX/XXXX FOR {$270.00} " XXXX XXXX XXXX '' OPENED XX/XX/XXXX FOR {$410.00} XXXX XXXX XXXX XXXX '' OPENED XX/XX/XXXX FOR {$470.00}
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (NY)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-13
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. (NC)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.