davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Lincoln Educational Services Corporation (IN)

The department of Education started garnishment of my employment wages for {$12000.00} XX/XX/XXXX I do not accept the debt under proof of claim because XXXX XXXX XXXX neither the department of Education have produced any original documents that I signed as proof that I owe anything I contacted the department of Education on XX/XX/XXXX to find an {$8500.00} balance and more uncooperative conditions by the department of Education I tried to stop further financial damages I coresponded certified mail an overpayment of {$15000.00} to cover the balance, processing and administrative fees payment was kept by the department of Education but the account was not credited garnishments of my wages still continue rendering bad credit reporting to the Credit Bureaus I coresponded by phone to the department of Educations collection agency stating I shouldnt have to pay a debt I dont owe unless hard wet ink evidence is provided not a fabricated copy nor should I have to continue to pay a debt I already paid in full the collection agency forwarded me to the department then I was forwarded back to the agency followed by coresponding a letter from the department limiting my communication to the third party collection agency only.
Consumer complaint received 2023-11-15
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. (PA)

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 U.S.C 1681 XXXX XXXX XXXX XXXX Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2023-11-15
Product: Credit 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: GOLDMAN SACHS BANK USA (FL)

Transactions with XXXX XXXX XXXX Illegal dwelling units Owners of rental units are required to obtain a rental license and undergo an inspection. Units that have been added to the interior or exterior of a structure without the proper permits are illegal. 

As a tenant in Florida, you have the right to quiet enjoyment, which means you can peacefully occupy your rental property without unreasonable disturbances. 

I then called code enforcement and was informed that the " guest house '' I was living in is not a legal rental. Specifically, it should not have a kitchen since it is an accessory unit on the property. There is a main house on the property and under Florida law there is only one residence allowed per lot.
Consumer complaint received 2023-11-15
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. (OH)

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 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I partner with a company called XXXX XXXX XXXX XXXX when it comes to assisting me with dispute letters that are sent out about every 60 days to all the major credit bureaus ; Equifax, XXXX, and XXXX. 

I ALWAYS receive a mailed copy of my credit report from both XXXX and XXXX, however, I have NEVER received a mailed copy from Equifax. And just to add some more context, I have been working with this company to assist me with my credit, off and on for the last 3-5 years and again, I've NEVER received a mailed copy of my credit report from Equifax. 

The mailing address that I've always used to send my dispute letters to Equifax is ; XXXX XXXX XXXX XXXX, GA XXXX I called Equifax customer service on XX/XX/ on the following number : ( XXXX ) XXXX. I spoke with a representative and explained my issue and requesting to have a copy of my credit report mailed to me, and he declined the request and said that they mailed one out in XXXX to my correct address at that time but I told him that I never received it and he placed me on hold and came back and stated that he could not send out another copy of my credit report. 

Because Equifax is one of the credit agencies that is used for a financial institution that I will be working with soon for a car loan, I would greatly appreciate if they where to start following suite and mail out a copy of my credit report every time that I mail my dispute letters to each of the credit agencies. 

I will be mailing out another set of dispute letters on XXXX, and I would like to find a copy of my credit report mailed to me within the 45 days time frame from Equifax, just as XXXX and XXXX does every time. 

Kind Regards, XXXX XXXX
Consumer complaint received 2018-12-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I have been banking with Wells Fargo since I became an adult roughly 20 years ago. Up until recently, I had my personal checking, personal savings, business checking, business credit card, and a car loan with Wells Fargo and Wells Fargo Dealer Services. This was the third consecutive car loan with Wells Fargo Dealer Services. I started a XXXX XXXX company 4 years ago and naturally it was with Wells Fargo. My point is, I have been a very loyal life long customer. 

On XX/XX/XXXX, Hurricane Michael made landfall as a major Hurricane and decimated our area. My wife was XXXX XXXX XXXX  at the time and we were forced to evacuate to XXXX Alabama several days prior. I returned on XX/XX/XXXX to a damaged home, no power, water, or communications. 

During this time I missed a car payment that was due on XX/XX/XXXX. I have never had a 30 day late on the 3 loans I have had since XXXX. When going to make my XXXX payment, I realized I had missed a payment. I immediately made both payments and called customer service. The representative informed me my payment had been made and gave me the number for a disaster relief department that was closed. I called the next day and they wanted to back out my payment and set up a payment arrangement. I declined the offer and just wanted to stress how important my credit was and didn't want it effected by this. They assured me my account had been flagged as being effected by a disaster. 

One month on, I check my credit and it has dropped from XXXX to XXXX points due to a 30 day late being reported. With my history as a XXXX XXXX XXXX  and XXXX XXXX, I know it is possible to back out negative credit reporting. I called again, this time talking to no fewer than 5 people, asking to speak with a supervisor or manager only to receive a " Escalation specialist '' or " Senior Escalation Specialist ''  never being connected to anyone that could resolve my issue. I was told to fax a request to a credit department, they wouldn't submit for me due to no error being made, or I could contact The Office of The President.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (SC)

IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting to my credit! 
Account # XXXX are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.
Consumer complaint received 2023-11-15
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: Kimball, Tirey & St. John LLP (CA)

On XX/XX/XXXX XXXX XXXX XXXX XXXX has a collection against me in the amount of {$5400.00}. On XX/XX/XXXX I disputed this with XXXX because this account does not belong to me. I also disputed with transunion because the amount shown with them is {$5600.00}. XXXX, XXXX XXXX XXXX XXXX never provided me with a physical copy of the validation. I DID receive a letter from XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX in response to my dispute which on their letter it states I owe {$5600.00} which again the amount is invalid due to other credit bureaus showing different amounts. XXXX XXXX XXXX XXXX XXXX XXXX did not validate through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report Account information listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX Account # XXXX are all inconclusive and invalid. I would like the written validation of the contract and for a response in 15 days. 

This account does not belong to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verified Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable documentation. I demand to see verified Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter and FTC report asking TransUnion, to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - TransUnion have 30 days to investigate and send me the results. 

Transunion did not record the current status of the disputed information which is another violation. 

I have all the evidence attach below.
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

i receive a letter from IC system i sent them a debt validation back in XXXX they dont reponded i sent them a second letter they dont responded again XXXX weeks ago they reported on my credit report since then i tried to call them they don't wants to talk to me i called several time each person as soon i told them my reason to call they don't want help me.
Consumer complaint received 2023-04-20
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. (TX)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

JP MORGAN CHASE CREDIT CARD REWARDS COMPLAINT On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was in the process of redeeming my XXXX reward points on the Chase Sapphire Preferred credit card when the online system kept on returning an error message each time I was ready to execute the final checkout step. My points are worth {$5200.00} if redeemed for air travel. The error message on the screen informs customer to call the customer service number on the back of the chase credit card. 

However, once the customer service picks the phone, they transfer customer to the travel agents. The travel agent then prefers to complete my booking manually and gets the same error message from their side. The travel agents then transfer me back to customer serviceand the run around recycles. The courteous travel agent decided to transfer me to a supervisor at that point. 

I decided to file complaint after three rounds of the same results when the initial supervisor ( XXXX ) concluded the problem was not with the Chase Rewards systembut was with the vendor ( XXXX XXXX ) and therefore it was best for me ( the CUSTOMER ) to call the VENDOR directly to book my trip. I was at loss of words and after much thought requested to be transferred to the CEOs team charged with handling complaints but was instead transferred to another supervisor ( XXXX ) who understood my problem but could only give me a fax number to the CEO team. 

In my opinion, Chase Rewards online system has a glitch that they need to fix before it becomes a big thing. Also, one may begin to wonder if they Chase IS deliberately trying to fleece customers of accumulated points ... ironically, I don't believe Chase has liquidity problems. 

Thank you, MEMBER-CHASE SAPPHIRE PREFERRED CREDIT CARD
Consumer complaint received 2023-03-13
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. (NV)

I noticed unauthorized inquiries and accounts on my credit report. It appears someone must have applied for something in my name. I have sent several disputes to remove these discrepancies. However, I have had no success in my attempts. These inquiries and accounts are fraudulent, and I would like for you and your team to have them removed. ( XXXX XXXX XXXX XXXX XXXX {$8800.00} date XX/XX/XXXX ) ( XXXX XXXX XXXX for {$1800.00} date XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX for {$550.00} date XX/XX/XXXX ) ( XXXX XXXX XXXX for {$470.00} date XX/XX/XXXX )
Consumer complaint received 2023-03-13
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. (TX)

XXXXXXXX XXXX  continues to report misinformation to XXXX and Equifax despite my request to have this information removed and corrected because any debt to this company is a result of identity theft. I have filed reports with the IRS regarding the fraud XXXX and XXXX have committed by reporting this debt to the IRS as valid.
Consumer complaint received 2023-04-28
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. (AR)

This is 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, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$510.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX And Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2018-05-16
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (NY)

# XXXX The company is collecting on a dept that was I was manipulated into taking by XXXX XXXX XXXX XXXX XXXX XXXX. All of my federal loans has been placed on hold concluding this investigation. I have attached documentation that directly depict me as a victim. I can't afford to pay back the loan as I am a full-time student and work part-time. Navient is supporting fraudulent activities by forcing me to pay back something my family and I were manipulated into taking. 

Password to access secured document below : XXXXXXXX
Consumer complaint received 2023-11-15
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: Resurgent Capital Services L.P. (IL)

There is a debt collector by the name of LVNV Funding LLC that claims I have a debt they purchased I am responsible for, and they can not provide me with any information with the account. On XX/XX/XXXX, I received a letter from my employer stating that they received a wage order from a company called XXXX XXXX XXXX to garnish 15 % of my income on behalf of LVNV funding. I have never received any other notices prior to my employer informing me of what they have received. on XX/XX/XXXX, I reached out to LVNV to receive a proof of purchase agreement or more information on the account they claim I owe which does not belong to me and I did not receive a response or answer XXXX  phone. I was redirected to resurgent capital when I searched LVNV online to find any account information associated with my name. According to their database, they have no information for my alleged account and directed me to call for more information, upon calling resurgent after they hung up on me three times, they also stated they can not disclose any information to me, but I can begin sending payments. I explained that I filed a police report because there is no account that I have had with them, and they claimed they would be mailing me information for my request to close an account that does not exist, and I still have received nothing from them. I am expected to show up to court but I can not find any legit information from this debt collector that shows proof I am liable for an account dated back to XXXX that does not belong to me. I recently had another account removed for the same reason from LVNV funding in XXXX and now they are back on my credit report and garnishing my wages.