davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (IL)

I got a missed call for Aargon Agency ( or someone claiming to be ) at XXXX central time on XX/XX/23. I called back at XXXX central XX/XX/23 and someone picked up asked my name I confirmed the name, he then went on to say I owe money. He asked if I lived XXXX   I said no he said ok. I then said I've spoken to someone about this before and asked for information to be sent to me and I've never received anything. He asked what information I then began listing what I need, " 1. the original contact, 2. Original info from original creditor, their name, their ... ... '' he interrupted me before I could finish saying XXXX XXXX  I can not give any of that to you ''. I then said " why you have to provide that I need to know its legit I've been scammed before ''. I then said " I will dispute it '' He said " go ahead ''. I had 4 things I need and I wasn't even allowed to get through the 2nd things.
Consumer complaint received 2023-11-23
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. (NJ)

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX XXXX Late Payment {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Collection {$630.00} XXXX XXXX Charge-off {$5500.00} XXXX XXXX Charge-off {$140.00} XXXX XXXX XXXX Charge-off {$30000.00} XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2023-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-15
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. (SC)

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 15USC 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 XXXXXXXX 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 an 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 record 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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2024-01-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

XXXX, keeps calling my private cell phone number, my husband is the co signer on my sons XXXX loan. I dont know how they got my private celll number .This is harassment an another level. XXXX has no right to call my private cell phone number. ( XXXX ) XXXX
Consumer complaint received 2023-02-20
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below 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  has violated my rights. Or a 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 an 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 or 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 2023-02-20
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: EQUIFAX, INC. (FL)

I'm a consumer by law. I didn't submit this in error. I never gave Equifax my explicit written permission to report my private information. I'm seeking compensatory damages and asking for my private information to be deleted.
Consumer complaint received 2023-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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
Consumer complaint received 2018-10-27
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: Experian Information Solutions Inc. (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2023-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NIC, Inc. (TX)

I paid my {$120.00} balance with Nemo 's Investigations & Collections on XX/XX/2023, I requested a deletion letter to provide to my lender on a mortgage application. I was told this would be emailed to me. When I received the email it was only a automatic payment receipt. I gave them 24 hours to send me the requested letter and never received. I called back on XX/XX/2023 and the man I spoke to was very rude. He notified me that they do no provide any deletion letters, and that the agent I made my payment with should have told me this and was not helpful. I still have the balance shown on my credit report and this is hurting my chance to purchase a house. I was never notified of my balance as well. I never received any phone calls or letters I had a balance. This company has no website and only a phone number that is hard to get through. You either have to select an extension or you are disconnected. I am afraid I made a big mistake paying this balance off to a scam.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc. (UT)

Express Recovery is reporting a debt on my file that isn't owed. My husband had a utility bill that went past due and my name was on it too. However, he paid it to Express Recovery and it's fixed on his file but they continue to report the debt on my file when this has been paid. This is inaccurate and must be removed.
Consumer complaint received 2018-10-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (IN)

GLA Collections is trying to collect 3 medical debts from XXXX XXXX Hospital, but I had Medicaid at the time of each visit. The dates were : XX/XX/XXXX in the amount of {$370.00} XX/XX/XXXX in the amount of {$150.00} XX/XX/XXXX in the amount of {$330.00} My Medicaid should have paid for this, so I don't understand why they're trying to make me pay. Please fix this or help me understand what's going on. Thank you!!
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I approach this matter with genuine intentions and a commitment to resolving it amicably. Over the past few months, I've diligently attempted to rectify issues with various reporting agenciesEquifax, XXXX, XXXX, nd others like XXXX, XXXX, and XXXX XXXX XXXX XXXX. As I progress, I note that my nonpublic personal and financial information has been disseminated to third parties without my explicit written consent, a situation which violates my rights to privacy and confidentiality. I kindly request that all detrimental information causing disruptions in my daily life and adversely affecting my reputation be permanently removed or updated to reflect accurate and fair information, especially those marked as " paid as agreed, '' within the next 10 days. Under 15 USC 1681.6801, I've faced significant financial hardship, emotional distress, and embarrassment, particularly when seeking credit due to inaccuracies in my consumer report. According to 15 USC 1681 ( A ) ( F ), these negative and erroneous reports constitute unfair practice, as it is unlawful under 15 USC 1601 to deny credit to a consumer due to such discrepancies. By law, late payments ( 15 USC 1692 ( p ) ), hard inquiries, collection agency actions, and charge-offs must be promptly removed. Despite multiple attempts to address these concerns through calls and written correspondences, my efforts have been disregarded, particularly by XXXX, which has proven challenging to engage with regarding my complaints. In accordance with the law, I am now formally requesting the removal of each negative item and seek compensation of XXXX XXXX dollars per negative item from each third-party involved for the emotional distress and suffering caused. Please send this compensation via cash, check, or money order to XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. Despite my respectful attempts to dispute the inaccuracies, the reporting agencies consistently verify the information through their systems, disregarding the inaccuracies present ... .Regarding the debts in question, I insist on receiving documentation bearing my wet signature for each alleged debt. I request clear proof of these reported debts within the stipulated 10 days. Any intentional violation of my rights or misrepresentation of my character is a serious breach, and I emphasize that such reporting violates both my rights and my credibility, which is unlawful. 

Prior to pursuing any escalated actions, I am eager to swiftly resolve this matter. My aim is to find a fair and expedient solution. I anticipate a prompt response to address these concerns and rectify this situation as soon as possible.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 166b states that a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-07-28
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. (CA)

i filed a complaint with you approx 2 mos ago regarding transunion. they responded immediately and stated they would fix the problems with my credit report. they have not done anything and everytime i try and communicate with them they send an email stating they cant find me in system its always same email. then i received an email from transunion saying they agreed their were numerous errors on my report and they have done nothing to correct them now they have stopped me from trying to log into their website. they continue to try and charge me for any service and now i am getting third party emials from companies wanting to sell or loan on their disclaimer it states transunion gave them my information which i never authorized them to do. i have tried over 15 times  in the last two months to get a simple cc and have been denied in whole or part due to transunion credit report. i am attaching a credit report from them i got on XXXX nothing on their is correct
Consumer complaint received 2018-10-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (TX)

i received numerous calls today from a " XXXX XXXX collection agency '' today XX/XX/XXXX, several calls throughout the day They stated that I owe an outstanding debt from XXXX or XXXX. That I had made payments from XXXX through XXXX every month faithfully then this debt supposedly went on my credit report in XXXX - XXXX because I had stopped paying the alleged debt. THEN the girl I spoke to began threatening me with wage garnishment and vehicle seizures if I didn't pay this debt. She said I had until XXXX XXXX tonight to make arrangements. Either half of the debt which was {$1500.00} or $ XXXX monthly until it is paid in full. I had a chase account but it was closed in XXXX IN GOOD STANDING. This supposed debt has never been on my credit report. My concern is they have all my personal information and even told me which vehicles I drive and that they would seize them because of this debt. They also called my wife and threatened to garnish my wages and/or seize my vehicle.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

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 2024-01-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Conn's, Inc. (LA)

Conns cut me out from seeing my online account 6 months ago. now i have been asking them to reset my user name and password and they refuse to update. My account been at XXXX dollars the last XXXX months because i cant see my account my payment are not being reflexted and they no it. i ask them to sent me a payment history how my payments are being deduted and they refused to sent me the payment history.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 714,719, I presume that no proof of the alleged debt, nor therefore, and such debt, in fact therefore exists. 

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 2023-02-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC (SC)

Hello I have a question so this attorney name cooling & winter is suing me for credit card debt for XXXX XXXX  XXXX when I ask them can I handle this out of court I never received an response I have court in XX/XX/XXXX and I have no money Im stuck in New Jersey at the moment an Im not sure of what to do and they never notified me they was sending me letters no calls no nothing