davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (PA)

ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Resurgent Capital Services L.P. (MD)

i just returned home and i am trying to resolve credit issues. I used to have a XXXX  XXXX account that is now with lvnv funding. Lvnv has placed the account with a company called XXXX XXXX XXXX. I dont believe that they are operating in a fair way with me. I called in to settle and they said that they can only take 10 % of a balance they dont even own AND that they are collecting daily interest. The debt is with this " law firm '' but is in no way running the risk of going to court
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, Transunion, and XXXX stated that these accounts were properly investigated and verified as accurate but this is impossible since the companies are reporting conflicting information which is supposed to derive from the same source? The high balance, Last verified, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore is reporting inaccurately. This is grounds for removal of this account from my credit file. 
Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy. That right has been violated. 
My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to XXXX, Transunion, XXXX or any other company to furnish these inaccurate accounts and therefore they must be deleted. 

The above mentioned CRA 's are furnishing and allowing other companies to furnish information on my consumer report which should not be on a credit report according to the FCRA. 15 USC {$1600.00} ( 2 ) ( a ) ( i ) says that the term " consumer report '' does not include ( A ) Subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report To clarify a " late payment '' is a transaction and high balance, high utilization, a chargeoff etc are all experiences between me the consumer and XXXX, Transnunion, XXXX etc `` the person '' making the report.
Consumer complaint received 2022-06-20
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: JPMORGAN CHASE & CO. (IL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Account XXXX XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX has violated my rights, They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights 15 U.S.C. 1681 SECTION 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

They also violated my rights 15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish account with my written instructions.

They also violated my rights 15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account is in violation, not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of account.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # 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.
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (CA)

Since mid XX/XX/2022, all attempts to have Equifax Information Services, XXXX, XXXX XXXX # XXXX, include in my Equifax XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card for with I am an authorized user have been abortive. Equifax did add XXXX of the XXXX XXXX XXXX XXXX in question, but has refused to add the other { see attached copy of cards ). Equifax added XXXX XXXX # XXXX ; but refuses to add XXXX Credit Card # : XXXX I've XXXX XXXX XXXX requesting XXXX to justify, legally, why they keep refusing to add this account and avoid legal justification. XXXX added both accounts ... why not XXXX? Also, once I pushed and became less diplomatically, XXXX retaliated by contacting XXXX, opened an XXXX Credit Dispute without my permission and without my knowledge, which is an illegal act. XXXX had the brilliant idea of investigating and verifying that XXXX XXXX Account # XXXX IS NOT IN MY XXXX PROFILE! I never told XXXX that it was, I asked XXXX to please add it. Maybe XXXX Customer Service Representative are not English speakers like their Call Center employees { based in XXXX, or some other weird country }. When I requested XXXX to justify how the verification was done, they took vengeance by telling me that they did not know who I was and to provide an encyclopediatic amount of paperwork. XXXX wrote that their " information '' does not match mine ONLY after I started questioning them. I will file a complaint with my DOJ, Attorney General, the XXXX, and review my legal options
Consumer complaint received 2022-06-20
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit Reporting act 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-06-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found some inaccurate reporting on my credit report. I wrote TransUnion a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. 
TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : XXXX - account number : XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2022-06-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I refinanced my loans with NaviRefi after repeated emails that were spaced approximately 4 days apart beginning in XXXX. I finally refinanced with them beginning on XX/XX/XXXX. I was not notified specifically that the loans that they refinanced were federal loans. The representative went through the list of loans, and by interest rate they were refinanced. These loans were federal loans that I have now lost the ability to gain forgiveness on although I am eligible for PSLF. They used their contract with the government to be able to access not only my loans they were servicing but other federal loans to benefit. It is another case of Navient benefiting at the cost of their borrowers. I contacted them this evening to obtain the information from my loans as well, as none of the information is on their website. Due to their required transparency PSLF eligible borrowers are now being notified, however, they did not do their due diligence prior to converting my federal loan into a private one.
Consumer complaint received 2022-06-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (NV)

There are two identical negative marks on my credit report from Commonwealth Finance for {$1700.00}. The two of these combined is having a {$3500.00} negative report on my credit. Theyre duplicates and one needs to be removed. 

Also, if you investigate further according to XXXX statues of limitations this XXXX XXXX was reported after XXXX XXXX. XXXX XXXX of XXXX is when I incurred this debt. The debt collection was opened passed the XXXX XXXX mark according to the credit report in which it should be null and voided. 

It is illegally trying to be collected as well as having duplicate accounts on my credit just to make my credit report worse. 

They both need to be removed as it is unlawfully trying to be obtained. Ive disputed this numerous times now.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act 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 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 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (GA)

I fell behind on my payments with Avant credit card and contacted them to see if they had any available programs to get caught back up. I was advised of this re-aged program and was told that I would have setup a payment arrangement in order to get back on track. I had concerns regarding the late fees assessed and was led to believe that I wouldnt incur late fees as long as payment is made. I received my bill and noticed that I received a late fee. I called to speak with a supervisor and was told that one would call me back, however, one never did. I called again and was told that I would be subject to fees because I am not making the minimum payment due. How can that be if myself and the company agreed upon a payment arrangement. I feel like I was misled by the company and they are not honoring the agreement. What sense does it makes to be in a program for which the goal is to bring the account current and get caught up on payments. It seems like the goal is to keep someone owing because the account will never get current because the payments I will be making is essentially isnt going to make a dent in the balance because of late fees they are going to charge me.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid 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. (NY)

I have a dispute opened and " resolved '' with Citibank over a Wayfair purchase. The dispute number is -- -- -- -- --. I have sent several emails to their billing disputes department after they " resolved '' the dispute, because they said if I wish to pursue it further and have more documents, I can send them an email with the updated documents. I have sent several emails and they are claiming not to have received any of my further documents. I still have this charge on my credit card currently. 

I bought three bedding items from Wayfair. The items arrived with some stains all over the items and packaging. I reached out to Wayfair 's customer service with photos and they approved all three items for a return ( as attached ) by XX/XX/XXXX. 

I was instructed to leave the box with all three items outside my apartment on Friday, XX/XX/XXXX. Wayfair AND the email they sent me said I did not have to be home for pickup. I left the items in a box with the label whose tracking number was -- -- -- --. When I came home from work that day, the box was gone. After a few days, I checked the tracking and nothing appeared, so I reached out to the customer service. They responded that there was nothing they or I could do. Because the tracking information was not showing up, I would not be getting a refund. I no longer have the items and I'm now on the line for {$1300.00}.
Consumer complaint received 2024-09-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

On XX/XX/year>, I learned of a collection appearing on my credit report. I immediately called the collection agency ( Radius Global Solutions ) who referenced an account number from the original creditor ( XXXX XXXX XXXX ). I told them I was always in good standing with XXXX XXXX XXXX ( over XXXX years ) and this could not possibly be accurate as I left the account in good standing last year. I then reached out to XXXX XXXX XXXX customer service, they could not divulge any information related to the account number given to me by the debt collector. They cited they needed a PIN # for the account to access the information. I told them I don't have a PIN because this is not an account that belongs to me. I asked if they could verify another way and they told me go visit a store. So I visited the XXXX XXXX XXXX store in XXXX XXXX and they told me the same thing, they needed a PIN. Ironically, they were able to pull up an account for me that was left in good standing last year, but this other account was not able to be accessed for verification. I have since filed a dispute with XXXX XXXX XXXX fraud department. I have not heard from them. They have not been helpful in providing any evidence of this account number being associated with me. I have always had an excellent credit profile. I have never missed a payment in my 45 years on earth and my XXXX XXXX were in the XXXXXXXX XXXX. This collection has unfairly dropped my score to low XXXXXXXX XXXX. I need assistance in proving this account does not belong to me.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American Credit Acceptance, LLC (MS)

XX/XX/XXXX Inquiry Wrote a letter to the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX asking them for proof of me inquiring this pull, use of credit or my social security number. Asking them to remove it from All 3 credit bureaus XXXX, XXXX, and XXXX.
Consumer complaint received 2020-06-29
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. (NC)

I HAVE FILED MULTIPLE DISPUTES WITH EXPERIAN THEY HAVE YET TO FUIX THE FRAUD ERRORS ON MY REPORT I HAVE SENT EXPERIAN MY FTC REPORTS I HAVE FILED POLICE REPORTS THEY HAVE YET TO RESOLVE THE MATTER THEY CONTINUE TO REPORT XXXX XXXX XXXX XXXX XXXX ACCOUNT, THE XXXX XXXX ACCOUNTS AND XXXX XXXX   ACCOUNT ON MY REPORT I HAVE SENT THEM EVERYTHING I HAVE BEEN THROUGH THE DISPUTE PROCESS OVER 20 TIMES THEY CONTINUE TO REPORT THIS INACCURATE INFORMATION. THEY ARE REPORTING THE ADDESS XXXX XXXX XXXX XXXX NC XXXX ON MY REPORT HAVE INFORMED THEM THIS IS ASSOCIATED WITH FRAUD AN THEY CONTUNE TO REPORT IT. I AM ASKING YOU TO INVESIGATE THIS AN HAVE THIS COMPANY REMOVE THESE ACCOUNTS FROM MY CREDIT REPORTS WITH THE CREDITOR LISTED AS XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.