davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/XXXX : Notified by chase credit card services that I have a pass due credit card balance of over XXXX. I informed them that I did not make those charges. 
XX/XX/XXXX : Notified by chase credit card services again, informed them the charges are fraudulent and Im a victim of identity theft, they submit to fraud department. 
XX/XX/XXXX : Mailed in identity theft report, police report and supporting documents. 
XX/XX/XXXX : Bank continues to harass me with calls and emails of charges that I never made.
Consumer complaint received 2024-08-20
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. (TX)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have sent all three credit bureaus my police report, my ftc report and letters provided by the creditors that the accounts was never paid late and they dont belong to me : I havent heard from the credit bureaus ; on XX/XX/XXXX I submitted my information : XXXX XX/XX/XXXX; XXXX I submitted my information :, on XX/XX/XXXX ; XXXX I submitted documents : XX/XX/XXXX and XX/XX/XXXX I submitted documents. No results the items remain the same.
Consumer complaint received 2024-08-20
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. (CA)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$58000.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-14
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. (CA)

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. 

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 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.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Transunion has refused to remove the information on my report that has not been properly verified, validated within the timeframe allowed per FDCPA/FCRA guidelines. I have records of the numerous letters I have sent requesting information used to prove this debt belongs to me. TRANSUNION HAS DONE NOTHING BUT GIVE THE INFORMATION TO ITS DATA FUNISHER AND THE COMPANY HAS USED IT TO UPDATE THE RECORDS THEY HAVE. The debt has been reporting incorrect on my report for a very long time. The debt that is reporting incorrect and does not belong to me is listed on my report from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX/XXXX.
Consumer complaint received 2024-08-20
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. (NY)

I review my consumer report and noticed that I had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that theses payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I dispute XXXX XXXX XXXX from my credit report after the investigation was completed, TransUnion deemed it to be accurate. The problem is why did they delete it off my credit and then added it back. That dropped my credit score XXXX points. I have disputed many items and they have never dropped my credit scores. I need for those points to be added back to my credit. I should not be responsible for error on their part. They have done this once before, which it caused my credit score to drop.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XX/XX/2023 I identified inaccurate items on my credit report and filed a dispute with Equifax and XXXX, asking them to verify the account. The items in question relate to XXXX XXXX XXXX 
Account Number. Despite providing all the required documentation and following up on XX/XX/2023, I received no response, demonstrating a lack of due diligence in investigating the matter. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) of the F.C.R.A., the credit bureau is obligated to conduct a reasonable reinvestigation and remove unverifiable items which have not been adhered to in this case. 


XXXX took XXXX letters for them to verify the account as accurate but failed to advise the description of the procedure used to determine the accuracy and completeness of the information under the 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) or proof of this alleged item, specifically the contract, note or other instrument bearing my signature, demonstrating a lack of due diligence in investigating the matter, The items in question relate to XXXX XXXX XXXX also I would like to point that XXXX validated a debt and the debt collector has not validated the debt with me The incorrect items and the subsequent refusal to validate or remove them from my credit report have precipitated a cascade of detrimental financial and emotional consequences for me. My credit score has been unjustly reduced, resulting in loan rejections and subjection to exorbitantly high-interest rates for essential credit facilities, such as my mortgage and car loan. Furthermore, the inaccurate credit report has necessitated higher security deposits for utilities, exacerbating my financial strain. 

The emotional toll has been equally devastating, inducing consistent stress and XXXX as I navigate through the quagmire of resolving these inaccuracies. The mental strain from dealing with persistent calls from debt collectors, coupled with the fear of additional erroneous entries tarnishing my credit report, has been overwhelming. This has not only usurped countless hours that I could have devoted to my work and family but has also sown discord in my personal relationships due to the perpetual worry and financial instability.

The culmination of these issues has also necessitated the incurrence of additional costs, such as legal consultation fees and costs for sending certified mail to various entities in an attempt to rectify my credit report. These financial and emotional burdens are direct results of the inaccuracies in my credit report and the subsequent lack of adequate action to rectify them.
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: Experian Information Solutions Inc. (TX)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Consumer complaint received 2023-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AMERICAN INTERNET MORTGAGE (CA)

1st Issue : For two years, since the creation of a Deferment, which I did not ask for and was derived without my knowledge or consent, in the amount of {$8700.00}, I have been asking for a complete payment history that includes the column showing the Payment and Transaction ID numbers. 

However, after prolonged delays, all I have received are handmade spreadsheets derived from a second set of books/ledgers that XXXX XXXX XXXXXXXX , the third-party vendor for AIM Loan, derived during the period my loan was in forbearance during the Pandemic. 

I now have a case open with the Dept. of Financial Protection and Innovation and am hopeful a resolution can be met soon. 

Issue # 2 : The second and most pressing issue is that sometime near the end of XXXX of XXXX, my account payment portal became locked. I have been denied access to make any online payments. 

Upon my initial inquiry about this, I was told that it was part of protecting my account while it was in transition from XXXX to AIM Loan in-house servicing. 

When my account was not released I asked again and I was told that my account was delinquent, and once I paid my XXXX payment, it would be released. And so after my XXXX payment was made payments were paid, it still remained locked. 

Now, four months later, the company is telling me that because I have been approved for mortgage relief assistance, my account will remain locked until the second mortgage is paid off. 

It is a different story every other week. 

Although I have been informed I can mail in a payment, I am reluctant because now that I have uncovered a second set of books/ledgers, I have reason to believe the curtailments payment I included with my checks and money orders, early on in my loan, between the months of XX/XX/XXXX through XXXX of XXXX, were not properly credited to my account. 

Whenever I request a copy of my 1098 forms, the bottom half of XXXX, XXXX, and XXXX arrive blank. While XXXX onward contains my payment history. 

Something is not right with the way my mortgage has been handled. I do not trust AIM Loan and I will send my payments until I can do so and receive a proof of payment and transaction ID # that I can immediately print out and keep for my records.
Consumer complaint received 2023-10-14
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. (NY)

Transunion ======================== 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 XXXXXX/XX/XXXX XXXX*This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately*** ***Do not add any fraud alerts to XXXX nor Transunion***
Consumer complaint received 2018-10-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I was advised SallieMae loan company by my school in XX/XX/2016. The company never went into details on repayment options and promised low interest fees. I was told that I was given a " low interest of 9 % '' for my loan. When i made my first payment I was told that i would be only paying a monthly interest fee of about $ XXXX and after almost a year of making the monthly interest fee, I noticed on my account the scheduled fee per month is {$260.00}. For the past year, I have been desperately trying to make $ 300-500 payments to avoid damaging my credit. I have never been given straight forward information about my monthly fee and my balance has not really decreased very much. Their interest rates are insanity. I still am unclear about my loan repayment plan and yet need answers.
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: AES/PHEAA (DE)

I graduated from XXXX XXXX  in XXXX 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 % ). AES-PHEAA was my servicer, but then XXXX appeared on my documents. Prior to that it was the XXXX XXXX XXXX XXXX ( XXXX ) I believe. During that time, filed for bankruptcy and then after it was discharged, 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 not even during the bankruptcy. I am not sure if interest was charged over the 5-year chapter XXXX bankruptcy ( converted to Ch. XXXX XX/XX/XXXX ; discharged XX/XX/XXXX ). ( 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 FedLoan Servicing, 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 XXXX XXXX  which qualifies for PSLF. My payments just went from $ XXXX/mo to $ XXXX/mo 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 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

i sent a letter to XXXX dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying {$400.00} was written off. This is false ive sent them multiple letters no response.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Advantage LNS Inc. (PA)

I'm NOT liable for this dept with XXXX XXXX PA ( XXXX XXXX ), I do NOT have a contract with NATIONAL CREDIT AUDIT CO, no paper work signed, no agreement for any amount of payment has historical value or legitimacy, also there has not ever been a COPY of the original contract as requested to prove my debt, as this DEBT with XXXXXXXX XXXX is a charge off, therefore the account is closed and has been sold to a collection agency NATIONAL CREDIT AUDIT CO.
Consumer complaint received 2023-06-30
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: EQUIFAX, 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.

The letters are stated with items and issues.

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: 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)

In accordance with the Fair Credit Reporting Act, the following XXXX accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX XXXX - XXXX XXXX XXXX - However, theyve stated everything was complete and accurate. But how is that possible if the date of last activity for each mentioned account and much more is incorrect. According to 15 USC 1681i ( 5 ) Credit reporting agencies are supposed to delete accounts if it isn't reporting accurately. Also. 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. Lastly, these accounts arent in compliance with metro 2 credit reporting. I have evidence to prove my case. If your company doesnt honor my request to remove the above-mentioned alleged accounts, I will enforce my rights as a Federal Protected Consumer and litigate under the laws of the FCRA. Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
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. (AZ)

Upon reviewing my credit report, I discovered several erroneous entries. 3 credit bureaus are legally obligated to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting account as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable account listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). XXXX XXXX XXXX XXXX : {$3300.00}
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX XXXX XXXX