davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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. (IL)

I am tired with all the stalling tactics of the Credit reporting agencies to have the disputed accounts and information removed from my Credit File. I have been submitting countless CFPB Complaints and CFPB Complaints against the Credit Reporting Agencies and it is clear that they are not willing to comply with the Federal regulation FCRA section 605b. This action of the Credit Bureaus is a clear violation of a consumer 's rights under the Federal law. Also, the Credit reporting agencies have been continuing to report the disputed accounts as accurate and verified despite the fact that they have not sent me any proof of verification or poof of ownership. This will be last attempt to correct my Credit File by submitting a CFPB Complaint. In the event I review my Credit File on my next available Credit report, and see that the Credit Bureaus have not removed the disputed accounts, I will be filing the lawsuit my legal team have been preparing for quite a long time. The Credit Bureaus get to choose whether to face the lawsuit or have the disputed accounts removed from my Credit File. Once again, here is the list of accounts that should be removed : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-01-05
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX  Account number # XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account numberXXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number XXXX and XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX, XXXX, XXXX, XXXX, and XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX Account name : XXXX XXXX XXXX Account number : XXXX 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. Any other adverse item of information, other than records of conviction 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently made sure payments on this account are on time, never allowing them to become overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2022-10-29
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX Partial Acct # XXXXXXXX XXXX XXXX XXXX Partial Acct # XXXXXXXX XXXX XXXX Partial Acct # XXXX. XXXX XXXX XXXX Partial Acct # XXXXXXXX XXXX XXXX Partial Acct # 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
Consumer complaint received 2024-01-02
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: JPMORGAN CHASE & CO. (OH)

I am exhausted telling JP morgan Chase sapphire card over 30 times now that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  interest payment All the above are NOT my charges. XXXX XXXX charged these. He was removed from the card in XXXX. 
I demand ; IP addresses for all the above transactions And Reimbursement for all the above transactions
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # XXXX -XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX -XXXX XXXX  Acct # XXXX XXXX XXXX Acct XXXX XXXX -XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX -XXXX XXXX Acct # XXXX -XXXX Acct # XXXX -XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXX -XXXX XXXX Acct # XXXX -XXXX XXXX Acct # XXXX -XXXX XXXX XXXX XXXX Acct # XXXX -XXXX XXXX XXXX Acct # XXXX -XXXX Acct # XXXX XXXX XXXX Acct # XXXX -XXXX XXXXXXXX XXXX Acct # XXXX has violated my rights . 

XXXX15 U.S.C 1681 section 602 A : States I have a right to privacy. 

XXXX15 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. 

XXXX15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, 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. (FL)

Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, Transition, XXXX, and XXXX does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Here are the inquiries below I do not recognize on my credit report and did not consentCompany Name : XXXX XXXX Date : XXXX Company Name : XXXX XXXX XXXX Date : XXXXXXXX XXXX  Company Name : XXXX XXXX Date : XXXXXXXX XXXX Company Name : XXXX XXXX Date : XXXX XXXX  Company Name : XXXX XXXX Date : XX/XX/2022 Actions That Were Taken ; I have called and sent letters and no response has been given in regard to the above inquiries.
Consumer complaint received 2022-10-28
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. (OH)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-05-09
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. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (ME)

This claim I have against Citi is 2-fold : 1. An unauthorized {$2600.00} balance transfer in XX/XX/XXXX 2. An unauthorized 2nd Citi account opened in my name. I dont know if this was in anyway connected to said transfer above, but I closed it immediately when I found out about it. Recently I was told : Its the same account but the numbers were changed like they often do. Card numbers changed? Ive never heard of such absurdity. 

In XXXX XXXX  XXXX, I took advantage of a Citi Diamond Preferred Card balance transfer offer of 0 % for 16 months. This was better than most that only offer 12 months. My record of using 0 % credit card over the years, exclusively for balance transfers, is extensive and goes way back. All shown on my credit report. 

I called Citi in XX/XX/XXXX to check my balance, as the 0 % deal was up the month prior and I planned to move said balance over to a XXXX XXXX XXXXXXXX 0 % card, which I did. I figured the balance to be around {$2500.00}. Much to my unwelcome surprise, I was told the balance was {$5200.00}. I then found that on XX/XX/XXXX, when my 0 % interest was up, {$2600.00} was added to my account and deposited in my business account. I did not want, need or authorize this transaction. 

The fact that I only paid on this card for said 16 months of 0 % and didnt add to it, like I do, it would be quite stupid and completely unlike me w/ my history to add {$2600.00} to an account that just started charging a 21.74 % interest rate. Why would I do this and then move it to a 0 % XXXX  card when I could have done it then IF I needed it? Which I didnt. 

This is federal issue, and they need to pay for it. Especially with how theyve blown me off, hanging up on me. Sending letters saying that after their research theyve concluded theres no issue. Oh yeah? Ive asked several times for Citi to produce a phone call, a letter, an email, ANYTHING with me giving authorization for this bogus transaction or opening a 2nd account. It never comes because it doesnt exist. 

This messed me up badly for a time. Due to XXXX, I had to cut back on expenses, bookkeeping for one, so much of the accounting was not being done. XXXX has accounts that pay at different times of the month. When I checked my XXXX XXXX business account in the latter part of XXXX to see if there was enough to cover my 2nd payroll ( I pay my agents twice a month on the XXXX and XXXX ) I was pleasantly surprised to find that there was a good bit more than I expected. I was thrilled that my business, barely breaking even months before, had grown and was doing better than I thought. I shared the news w/ my partner. We could actually double our loan payment. Then the following month the extra money was not there and my 2nd payroll bounced. I had to scramble to cover it w/ my home equity loan. 

I fully intend on pursuing this. Please advise as to how I should proceed. 

Thank you very much. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (FL)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately!
Consumer complaint received 2022-10-28
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX, XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  ) XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX XXXX XXXX called me and states I oweee {$5000.00} and they were going ti garnish my wages if I didnt pay them {$1400.00} right away. I paid out of fear then realized theyre a fake company
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-07-25
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. (AZ)

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 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/XXXX XXXX stated on my credit report my in the comments Payment after charge off/ collection Settled -less than full balance. On XX/XX/XXXX XXXX stated in comments Account legally paid in full for less than the full balance. on XX/XX/XXXX XXXX stated in comments Settled accepted on this account Paid charge off and I have a Derogatory mark for XXXX. this is an error please remove this from my credit report. I spoke with SYNCB/ Care Credit and they refused to do anything about it. They also charged me another fee of {$200.00} in which I paid so they would remove in fear that they would not remove. I was not aware of my rights and they took advantage of me. I would like to be compensated for this. This is not fair. This has caused me much frustration and anxiety. I was not able to get a loan for my business as a result of this error. I deserve to be compensated for this mistreatment
Consumer complaint received 2018-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

My loans are being serviced by Navient and Navient 's website doesn't provide me with enough information about my account to properly manage it. 

On their website, there is NO option to download monthly account statements showing previous balance, current balance or how much interest is being charged vis-a-vis how much of my payment they're applying to the interest. The website shows me how much of my payment is applied to interest, but without knowing how much interest is being charged, I have no idea if I'm paying all the interest every month or if some of it is being capitalized. 

There is also no option to discontinue electronic account management and return to snail-mail, paper statements. 

I'm on an " interest only '' repayment plan, but I've been consistently paying $ XXXX- {$50.00} more than the minimum payment for almost 3 years, but my balance never seems to go down. 

Don't I have the right to see and download full monthly account statements showing previous balance, current balance and interest charged? Navient won't give me this information. It seems very shady to me and I have to wonder what they don't want me to know. 

I can't attach any documents because there's no monthly statements.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I send the FTC affidavit with the police reports and this accounts and inquires listed are fraudulent and I demand to be removed right away. i also filed a complaint with the CFBC for the not removing this account in XXXX within the time allowed by law. 

Accounts XXXX XXXX XXXX XXXX XXXXXXXX consumer credit Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-05-01
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.