davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Looking at my reports I see that your company is alleging that the accounts attached to this complaint are negative. Your company is furnishing negative information without proof of verification of this debt, or that you have followed all laws and regulations to report. There for you must remove the accounts that are attached this complaint. 
I am aware that reporting information that has not been proven to be accurate is against the law. 
I demand that you provide me with concrete evidence of my obligation to the accounts listed in this complaint. 
Please understand that as a consumer I am aware that negative remarks reporting on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. If you are not able to provide the full reports on how you validated, verified, and how you are in compliance then your must remove the accounts from my credit report. 
Acct 1 beginning with XXXX, Account 2 beginning with XXXX, Account 3 beginning with XXXX, and Account 4 beginning with XXXX.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Looking at my reports I see that your company is alleging that the accounts attached to this complaint are negative. Your company is furnishing negative information without proof of verification of this debt, or that you have followed all laws and regulations to report. There for you must remove the accounts that are attached this complaint. 
I am aware that reporting information that has not been proven to be accurate is against the law. 
I demand that you provide me with concrete evidence of my obligation to the accounts listed in this complaint. 
Please understand that as a consumer I am aware that negative remarks reporting on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. If you are not able to provide the full reports on how you validated, verified, and how you are in compliance then your must remove the accounts from my credit report. 
Acct 1 beginning with XXXX, Account 2 beginning with XXXX, Account 3 beginning with XXXX, and Account 4 beginning with XXXX.
Consumer complaint received 2022-08-24
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. (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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

( Chase XXXX XXXX. XXXX ). My son is a Chase Bank customer. His rent check dated XX/XX/XXXX to his landlord for {$1300.00} was stolen from the mailbox and cashed by the criminal on XX/XX/XXXX at XXXX XXXX. Chase deducted that amount from my son 's account. My son reported this to Chase and filed a claim in XX/XX/XXXX with all the required info. Chase told him several times in XXXX that it would take 60-90 days to get his money back into his account. Since then, Chase has done nothing but give us the run-around, and to date still has not reimbursed my son 's account. Chase claims it is XXXX XXXX 's responsibility. Around XXXX XXXX, I called Chase again after no response or resolution in over 5 months, and Chase promised they would " escalate '' it internally and be " on top of it. '' But nothing happened. On XX/XX/XXXX, Chase mailed my son and claimed again it was XXXX XXXX 's responsibility and that they would close the claim if XXXX XXXX does not respond. I spoke to Chase several times in the last 2 weeks, and they again promised to escalate it. Nothing happened. On XX/XX/XXXX Chase told me that they are waiting on XXXX XXXX. Meantime, I have spoken to XXXX XXXX and they tell me it is Chase 's responsibility. It has been now nearly nine months and my son still has not been reimbursed the {$1300.00} stolen out of his Chase account.
Consumer complaint received 2019-02-14
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Metro Collection Service Inc. (CO)

XXXX XXXX violated my right to dispute the debt, specifically related to the XXXX vs. XXXX XXXX XXXX XXXX. She told me she couldn't mark debt disputed through verbally, must have written which is false.
Consumer complaint received 2018-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

Citibank XXXX asks for information " or else '' they close the account. I call and visit the branch nd they say everything is ok. Then they block the account anyway without any notice and all my incoming wires are returned. 

I visit the branch and they tell me to go to a banker, the banker kindly takes me outside and puts me on the phone with customer service. Customer service tells me it's not them it's another analyst and that I have to wait, but that yes, they have received all of my information. 

I ask for names and they cover themselves so I got no names. 

Meanwhile, all of the wires are being rejected and they offer no solutions.
Consumer complaint received 2018-07-05
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. (FL)

This complaint is against Trans Union. A medical collections account was attached to my credit profile by error and 30 points was taken off my credit score. I worded with the reporting company to have the collections account removed from my profile and it was reported to all credit bureaus. I my credit score returned to normal for all but Trans Union. I contacted Trans Union customer service was told that my account was put on fraud alert because of this action and had to contact their fraud division to get more information on when my credit score would return. I reached out to the department via the number given and was hung up on when the phone call was answered. I tried to call back and got no response. My credit score was lowered 5 more points the following week and is now 30 points lower than the rest of my credit scores. I'm unable to get any answers from Trans Union on this matter that happened between XX/XX/XXXX. and XX/XX/2017. I know that I don't have the best credit but I worked to hard to rebuild it.
Consumer complaint received 2022-08-24
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: EQUIFAX, INC. (NC)

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2022-08-24
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: EQUIFAX, INC. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX  GA XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) 61956**Balance : {$700.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-08-24
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Date Opened : XX/XX/1994 Balance : $ XXXXate/Open Late Dates XXXX
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I started my ordeal of repaying private loans in XX/XX/XXXX. I had the loans in deferment after graduating in XX/XX/XXXX. I called repeatedly to find a payment method that would work as the loans required payments of {$1600.00}, which is well over my take home pay each month, even with working 40+ hours a week. They told me there was nothing they could do to help me because, " You have n't missed any payments yet. '' Well due to life long medical issues and XXXX I was medically XXXX for a few months and then of course I had no choice but to start missing payments as I could not afford them anyway. So, I did n't pay and waited for the battering of calls that were excessive and aggressive, calling my family members that were in no way related to my loans and I 'm not even sure how they got their information. I listened to the voice mails and called them back repeatedly trying to find a lower payment or some solution. However when they finally offered me a plan, a year later in XX/XX/XXXX, that required only {$350.00} a month, I 'm sure for the next 500 years, I asked if I could receive the proposal in the mail or PDF in order to read what I was agreeing to prior to giving away bank account information. I was forwarded to a supervisor who cursed me out and told me she never heard of something so absurd as wanting the documentation prior to signing up for the plan because, " It is your obligation to make the payments, we do n't have to offer you any assistance then the whole loan balance will be due. '' Well feeling beaten down and very confused as to why my rights to read what I 'm agreeing to before I sign up were being taken away I am reaching out to you at the CFPB to help shed some light on this and warn others from going anywhere near XXXX/Navient.
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (FL)

I have had an American Express card for 11 years, with no problems up until now.

My interest rate was at 11 %, and they hiked the rate up to a usury rate of 17 %, without notifying me ( as required by law ) of the increase.

My credit is perfect, as in absolutely no derogotory items, and I have never missed a payment in my life ( across all accounts ).

When I called American Express ( over 9 times now, which I've recorded all ), I received the following information : 1 ) The reason for my rate increase was : -I have used the cash advance feature -I have used my card internationally/in XXXX 2 ) Another manager negated the above, and said that's not correct. Thanks for correcting the obvious.

She proceeded to put me on hold, as she tried checked all mailings to me. She came back on the line, and told me she would call back within the hour.

When she called back, she stated " XXXX, after reviewing all letters to you, I can confirm I don't see any correspondence notating a future rate increase. '' She subsequently sent me to another department for review. Days later they got back to me, and told me " a marketing letter was sent to you outlining the upcoming change. '' This is a complete lie, and it never happened.

They are increasing rates across the board, and then subsequently telling the consumers that complain that in accordance with the law they sent a letter detailing the upcoming rate increase.

LIE Show me the letter? I'm sure you have a digital copy, where is in my online account?

CRINIMAL
Consumer complaint received 2018-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (HI)

Quicken loans changed their loan conditions for no GOOD reason ( or one we could find out ) after 4 years saying that the employee that set up our loan 'made a mistake ' and we were supposed to be paying hurricane insurance which quadruples the cost of our overall insurance and makes the house NO LONGER AFFORDABLE to live in and now we have to sell. It is not right for them to change an agreement because someone screwed up because we based our decision to buy this home BASED ON THE AGREEMENT AND LOAN CONDITIONS THEY SPECIFIED at the time b/c what they offered made this an affordable purchase. We were told repeatedly ( which WAS WRONG and we PROVED it to them via our state insurance agent ) that the hurricane insurance was 'required by state law ' -- a total lie and proves their incompetence. We accepted this lie for a year and had to pay the increased insurance and then we got hit with a huge escrow bill that we have to pay. So we protested again this year, XX/XX/2018 when we got the nearly {$1700.00} bill and after we proved to them that it is NOT 'state law ' to require this insurance, we were then told that the 'investors require it ' but was NEVER answered about WHY, what basis are the investors using for this decision because if they are using the 'state law ' justification, it is not right or fair to do this to us. We have repeatedly asked them to honor their original agreement with us as they are a multi million dollar company and a couple thousand dollars isn't going to hurt them but it is hurting us to the point where we have to sell and move. They refused. Then we asked them to at least give us a break and split the difference with us to at least make up for their 'mistake '. They refused. All they would do is extend our payments. Big deal. We will still have to pay the full amount when we sell the house. Totally unfair. They told us basically that we should thank our lucky stars we weren't having to back pay for 4 years of hurricane insurance we were 'supposed ' to have. Please! If we had known of this requirement, we would have NEVER chosen to go with this company for the mortgage! They don't care about losing our business or the bad word of mouth and internet reporting they will receive. They NEVER answered us about the reason for the investors requiring this insurance and that is unacceptable. Their needs to be big justification for this forced changed if someone is going to lose their home over it! 
If a company is allowed to change their agreement with consumers willy nilly or because of a 'mistake ' or a 'change in policy, ' that will end up amounting to bait and switch tactics and is unethical at the very least. They can always use these excuses then and get away with it.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

The second mortgage on my foreclosed home was transferred from XXXX  to XXXX XXXX in XX/XX/XXXX. The last payment on this mortgage was made XX/XX/XXXX and was charged off by XXXX. However, XXXX XXXX is showing a new 90 days late payment in XX/XX/XXXX on my Equifax credit report. I should not show a new late payment just because the balance was transferred to a new servicer. I have disputed this error directly with XXXX and Equifax and have received no resolution.
Consumer complaint received 2022-08-24
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. (IN)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$200.00}, Inquiries Not Included Indispute : XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXS XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2022-08-24
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: EQUIFAX, INC. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2014, XXXX CO XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-01-04
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: EQUIFAX, INC. (RI)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Report must be in accordance with Consumer
Consumer complaint received 2022-08-24
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2022-08-24
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.