davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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. (GA)

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. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-06-12
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. (TX)

This account does not belong to me and I have had zero help from the credit bureaus or company to get this removed. I've been disputing this account all year. The account is from XXXX  XXXX XXXX XXXX XXXXXXXX ) and I have yet to receive any validation from this company or the original company. I want this account removed from my credit report immediately.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion is reporting a debt that I do not owe. The account listed as XXXX XXXX is reporting as a repossession when it is not. TransUnion has provided no evidence that this information is correct. Who did they talk to or what documents were used to determine this information before it was reported to my consumer report. Under Fair Credit Reporting Act I have the right to validate any information that is being shared.
Consumer complaint received 2024-04-01
Product: Debt or credit management — Student loan debt relief
Issue: Didn't provide services promised — 
Company: SL Finance LLC (NC)

I paid for a service that I never received. I paid well over XXXX dollars with a promise to have my student loan forgiven. Instead, I wasted my hard-earned money as a middle-class student who was already struggling financially. My loans were never forgiven, and I am back to nothing, actually I am now worse off because I wasted money on something I did not get.
Consumer complaint received 2024-03-22
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. (IL)

XXXX and TransUnion are reporting incorrect inquiries that I do not recognize. 

XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 

( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.

( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I disputed incorrect negative items on my credit report with XXXX, Equifax, and XXXX. The items came back verified by all 3 credit bureaus, so I responded with a verification letter asking for methods used when investigating my disputes. I also asked for a list of documents and correspondence including names and contact information of employees that were spoken to as part of the investigation. According to my rights as a consumer under FCRA 611 ( a ) ( 7 ) I have the right to request a complete description of all methods used to investigate my aforementioned dispute. I have not received a response from the credit bureaus so I am asking for this to be resolved and items requested removed from my credit report.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NE)

was offered welcome of XXXX bonus miles from American Express for XXXX, I told them I had a gold card already, they said I could get the platinum for XXXX $ and get the welcome miles. the fine print said " if you are not eligible for a welcome offer, they will notify me prior to processing my application so I would have the option to withdraw my application. ( didn't happen ) I fulfilled what I needed to as far as spending XXXX $ in XXXX months, just passed thru XXXX XXXX last week and got approached again so I played along and asked the same questions and told them what I had and they told me I would get the offer, when I call the company they just say they can't do anything but won't tell me why I don't get the offer, just that it was denied. I feel I was misled. 
Thank You
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The listed account below has violated my federally protected consumer rights that prohibit creditors and credit reporting agencies from imposing late fees on accounts affected by identity theft under section 15 U.S.C. 168. Loan Payment # XXXX, XXXX XXXX XXXX has violated my rights. Section 605B and Section 609 ( e ) state that any resulting late fees should be promptly removed if fraudulent activity occurs on your account due to identity theft. I have the right to dispute inaccurate information on their credit reports, including late fees resulting from unauthorized transactions. ( 5 ) Section States : no consumer report containing reporting agency makes 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.

Instead of assisting me when my identity got stolen along with my wallet and credit cards, XXXX charged my late fees which have been difficult to pay, and reported them to the credit bureaus which has significantly affected my credit history. My identity theft case was insufficiently handled, and the errors persisted on my credit report. The FCRA ensures that consumers have the right to accurate credit reporting and timely resolution of identity theft-related issues.
Consumer complaint received 2024-06-12
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. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-05
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: Porania, LLC (MD)

Bankruptcy reported on credit. Not public records how was information released. 

XXXX XXXX Bankruptcy : Bankruptcy XXXX. XXXX, 2023 {$0.00} XXXX
Consumer complaint received 2024-04-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EA Holdings Corp. (IL)

Easy Acceptance failed to address my concerns about the contract acting as a security for this transaction. I am not disputing anything other than if the contract is being sold for profit. Failure to address my concerns I will escalate my concerns to the SEC as a whistleblower and the FINRA to halt your businesses ability to process securities.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bliksum, LLC (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-04-05
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service Company (MT)

Credit service company out of XXXX XXXX has never sent any letters to verify debt. The company has now added interest to the account original amount being {$2000.00} which is now {$3300.00}. Comments on the account information has been disputed by myself and no response from original dispute XX/XX/XXXX through XX/XX/2024.
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I am reporting a few things. I found numerous fraudulent transactions by either a fake company or companies that was able to obtain my routing number and account number from Chase and be able to run {$20.00} ACH transactions. 

I was only able to pull 24 months of reporting from today XX/XX/XXXX and found weekly deductions of {$20.00}. 

I was able to research from XX/XX/XXXX - XX/XX/XXXX and found eight companies charging me as follow : 1 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX XXXX WEB ID : XXXX ( 11 transactions, {$20.00} each, total {$220.00} ) 2 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX WEB ID : XXXX ( 3 transactions, {$20.00} each, total {$60.00} ) 3 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX WEB ID : XXXX ( 3 transactions, {$20.00} each, total {$60.00} ) 4 ) XX/XX/XXXX : XXXX XXXX WEB ID : XXXX ( 1 transaction, {$20.00} each, total {$20.00} ) 5 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX WEB ID : XXXX ( 2 transactions, {$20.00} each, total {$40.00} ) 6 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX WEB ID : XXXX ( 5 transactions, {$20.00}, total {$100.00} ) 7 ) XX/XX/XXXX - XX/XX/XXXX : XXXX  PAYMENT PPD ID : XXXX ( 2 transactions, {$20.00} each, total {$40.00} ) 8 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX WEB ID : XXXX ( 15 transactions, {$20.00} each, {$300.00} ) That's {$840.00} stolen from in the past 2 years and it could be more going back further if I could go back further. 

I was only able to dispute {$200.00} the charges to Chase due to their 60 days window policy to be able to return fraudulent activities. 

I am terribly disappointed in myself and disturbed Chase was not able to identify this as fraudulent activities.
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (CO)

I started making payments on my student loans when repayment started in XX/XX/year>. I am on the new XXXX plan which cancels out any remaining interest when payments are made on time. I have made every payment on time as instructed and my interest is still going up. When I inquired about this through email and calls, I received conflicting information, but none of the information was consistent with the government XXXX plan that I am currently on. My interest should not be accruing as it currently is. My balance should be the same as it was in XXXX prior to payments restarting based on information from student loans.gov. I have tried to get the money refunded, and I am always told something different from EDfinancial each time, but I never get a resolution. I would like my money refunded as this is fraud.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (TX)

i ordered a XXXX gaming headset and a microphone from XXXX XXXX using paypal. I instead received two microphones. I then contacted XXXX XXXX to return the wrong item and they sent me a ups return label. i also already returned the other microphone and got the refund for that. I then waited weeks for them to keep telling me that the return has been received and that i would receive my refund. I then made a dispute with paypal since i never got the refund. MY case was denied because " PayPal Purchase Protection only covers goods or services that werent delivered or are not as described '' which doesnt make sense because thats the exact reason i filed the case and i even gave all the evidence showing the wrong item i got and the return tracking number for the XXXX  return. I then filed an appeal because that didnt even make sense on why my claim was denied. Then the appeal took over 3 months to finally tell me that " We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because we have found no evidence that the item was misrepresented '' which is crazy because i provided all of the proof. Paypal talks about how great their purchase protection is and in reality its terrible with terrible customer service. Not even helping a customer that not only using the payment service but even showed every bit of evidence required and asked of me. 
Transaction information Dispute Case ID XXXX Transaction Amount {$420.00} USD Dispute Amount {$290.00} USD Transaction ID XXXX Transaction Date XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
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. (MI)

First I want to bring to your attention I have been battling this issue since XXXX ( per ) XXXX supervisor at XXXX AND XXXX EQUIFAX on XX/XX/XXXX. THAT SAYS ALOT. 

on XX/XX/XXXX I spoke to XXXX different reps at EACH company addressing the FCRA VIOLATIONS XXXX AND EQUIFAX is under. ( trying to help them fix the problem. THEY CHOSE NOT TOO. 

on XX/XX/XXXX I for the last time called and explained they are reporting information on my credit report AGAINST MY RIGHTS. WHY IS IT STILL REPORTING? THEY ( EQUIFAX AND XXXX WOULD NOT ANSWER THE QUESTION. 

on XX/XX/XXXX I spoke to a rep name XXXX who told me she could not help me and she had no supervior to speak with. ( EQUIFAX ) ON XX/XX/XXXX XXXX. I SPOKE TO A REP at XXXX NAMED XXXX. she told me after i explained to her the violations being held over XXXX. to file a CFPB COMPLAINT. because she was not authorized to remove the account. 

this account is a XXXX ACCOUNT. I HAVE EXPLAINED TO THEM THE REFERENCE NUMBER WAS WRONG. 
-THE FILING DATE IS WRONG -THEY WILL RESPOND AND SAY THEY VERIFIED THE INFORMATION WITH THE ( XXXX COURT ) - I called the XXXX COURTS and they stated " they do not at all verify or communicate with the CRA '' THEY SENT ME A LETTER EXPLAINING THAT CONVERSATION. 
-THE LETTER WAS SENT TO BOTH EQUIFAX AND XXXX. 

THEY HAVE VIOLATED FCRA LAWS, MY RIGHTS, AND DAMAGED MY CREDIT REPORT. DUE TO NOT FOLLOWING THE LAWS. AND BLANTLY LIEING ON THIRD PARTIES WHO DO NOT AT ALL HAVE THIS INFORMATION. 

- THEY NEVER COMPLETED A FULL INVESTIGATION -THEY WILL IGNORE MY LETTERS WHEN I ASK FOR THE METHOD OF VERIFICATION -THEY WILL IGNORE THE FCRA LAW THAT SAYS PROVE IT OR REMOVE IT. 

- THEY IGNORED 15 U.S.C. 1681 ( T ) RELATION TO STATE LAW -THEY IGNORED 15 U.S.C. 1681 ( B ) PERMISSIBLE PURPOSE TO CONSUMERS REPORT.

THEY HAVE IGNORED AND OVER LOOKED EVERYTHING I ASKED OF THEM, EVERY VIOLATION I POINTED OUT, AND WILL ( PERIODICALLY VIOLATING PAST THEIR 30-45 DAYS INVESTIGATION TIME ) RESPOND WHEN THEY FEEL LIKE IT THROUGH EMAIL/LETTER SAYING " ACCOUNT VERIFIED '' I WILL ASK METHOD OF VERIFICATION. NO RESPONSE. 

AT THIS POINT I HAVE BEEN VIOLATED MY RIGHTS. AND THEY HAVE ABUSED FCRA LAWS AND SYSTEM.
Consumer complaint received 2024-03-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (TN)

A collection agency, Wakefield & Associates, is reporting that I owe {$1000.00} to them as a result of an unpaid bill from XXXX XXXX XXXX from XXXX. After doing research and contact the dental office, I was made aware that the original debt was approximately {$450.00} that my dental insurance did not cover. I had moved from XXXX  to a XXXX  in the interim and the XXXX  office was unable to forward me the bill. It is my understanding that any medical bills under {$500.00} ( original debt amount ) are required to be removed from credit reports. All three credit reporting companies are listing the {$1000.00} collection on my credit reports.
Consumer complaint received 2024-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

I consolidated a loan I held with Navient through the Department of Education. On XX/XX/2034, {$13000.00} was applied to my Navient account and the loan was paid in full. My account was left with a positive balance of {$400.00}. I called Navient on XX/XX/XXXX to inquire about a refund and was told it would be sent directly to my new servicer. On XX/XX/XXXX my account shows an adjustment of {$400.00}, how this amount has not been sent to my current servicer.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

I have federal XXXX  loans that were once serviced by XXXX. Last year, the federal government transferred them to a new servicers, XXXX. I realized recently that the loans all appear twice on my credit report : they appear correctly under XXXX, but XXXX is still listing all of the same loans that got transferred away long ago. As a result, my credit report is now showing that I have double the XXXX  loan debt that I actually do. I twice submitted a request for this to be fixed through Experian. The first one was rejected, so I called up for help, and they modified the wording and resubmitted. XXXX then rejected the request again in less than 24 hours. XXXX 's own system, including their telephone support system and their website, all show my loans as having a {$0.00} balance because they were transferred, but they are refusing to remove them from the score, which has prevented me from being able to get a home loan. 

I also called XXXX on the morning of XX/XX/XXXX asking for their help. They agreed with me that they were in error and that the loans were at {$0.00}. But the next day, they still denied my request through Experian to remove the debt. 

Here are the loans that should be removed from my credit report : XXXX XXXX XXXX XXXX {$53000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$9800.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$49000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$18000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$9800.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$29000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX {$19000.00} Balance updated XXXX XXXX, XXXX