davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
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: Navient Solutions, LLC. (TX)

I attended XXXX XXXX beginning in XX/XX/2006. 

There is a lawsuit against Navient and XXXX XXXX and it was proven that deceived students. Navient is still on my credit as a charge off. I would like to be removed under the laws that were passed recently.
Consumer complaint received 2023-01-10
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. (TX)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023 Chase closed my Sapphire Reserve Card without notice.

Upon me contacting them they stated that it was a bank policy issue. 

I have always been in good standing with the company and have never done anything negative towards my account. 

They even took away my ultimate reward points as well by stating I was in bad standing. 

I am asking for my account ultimate reward points to be given back to me because my account was closed on terms that is not aligned with me as a valuable customer.
Consumer complaint received 2023-05-19
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (FL)

I NEVER APPLIED FOR ANY CARS LOAN OR LOAN AND THERE KEEP REPORTIN ON THE CREDIT BUREOUS ALL THREE DIFFERENT ONES!!! XXXXXXXX XXXX WHEN I ACTUALLY HAD MY CREDIT FINE SOME SCAMMER OR WHO EVER WAS IT USE MY INFORMATION AND IS EFFECTING MY LIFE PERSONAL
Consumer complaint received 2023-01-10
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. (MI)

There is information on my consumer report that is a result of identity theft. I did not provide permission or instructions or the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made and error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 You are required to do what Im asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc. (PA)

National Enterprise Services is attempting to collect on a debt on behalf of XXXX XXXX  that was XXXX by the bank in 2021. I have spoken to a XXXX XXXX  representative at the XXXX XXXX location in XXXX and given assurance that this debt was resolved. 
I have attempted to dispute this debt via mail, phone, and by using the form on their website. However, my mail was not answered in a timely manner, their phone line constantly resets and I have been unsuccessful in getting a response, and their web form located at https : XXXX consistently returns an error when trying to submit. Therefore, I have not been able to contact this company to receive any information on this debt or to dispute it as is my right.
Consumer complaint received 2017-02-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (TX)

I reviewed my credit file and there was a collection agency listed for a debt. I asked the company to validate the debt and I was provided typed documentation with my name listed. A typed signature and no identifying information related to me is not acceptable validation of this debt.
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (OH)

Resurgent sent me a credit card statement and that is it. 

My original credit limit with XXXX XXXXXXXX was {$1500.00}, the statement reads that I was behind in payments {$590.00} making my new balance {$1900.00}. 

Which is a total misrepresentation of the actual amount owed. 

The statements suggest that I had only made {$73.00} in payments which is not true. The reference ID is XXXX. 

They have not threatened legal action for this wrong amount of money and are sending non stop emails, I never even gave them my email address. They are trying to strong arm me with legal action so as to stick me with an overly charged about of money.
Consumer complaint received 2023-01-10
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. (MI)

There is information on my consumer report that is a result of identity theft. I did not provide permission or instructions or the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made and error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX 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 You are required to do what Im asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a dispute regarding the removal of old addresses and employers from my TransUnion XXXX XXXX credit report. According to consumer protection laws, I have the right to ensure that my credit report is accurate and up-to-date. 

I have noticed that my credit report still contains outdated addresses & employers, even though I have requested their removal multiple times. These addresses and employments are no longer associated with me and have not been for some time. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employement - XXXX  XXXX XXXX XXXX XXXX USPS I believe that TransUnion & XXXX has violated the Fair Credit Reporting Act by not removing these outdated addresses and employers. According to the FCRA, credit reporting agencies must ensure that their reports are accurate and complete, and must investigate any disputes that are submitted to them. 

I am requesting that TransUnion & XXXX immediately remove these outdated addresses and employers from my credit report, and provide me with written confirmation of their removal. I also request that TransUnion & XXXX provide me with a free copy of my credit report to ensure that all other information is accurate and up-to-date. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX department mistakenly filed a tax lien against me. I contacted them and they sent me a letter to send to XXXX, XXXX and Transunion credit bureaus telling them it was okay to delete the entry. XXXX deleted the entry about the tax lien, XXXX has not, saying its a legitimate debt.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I sent a letter out XX/XX/2023. My tracking number is XXXX to remove personal information that i dont want on my credit report. According to the fair credit reporting act 12 USC 1681, I have a right to privacy. Also according to 15 USC 6802, no financial institution is suppose to share my information to a third party.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (GA)

I notified the credit bureaus that the account XXXX XXXX XXXX for XXXX was not accurate and disputed this with the credit bureaus XXXX removed this inaccurate account from my credit because it could not be verified but XXXX and experian did not remove. How was XXXX not able to verify account accuracy but XXXX and experian could This is in violation of the fair credit report act.
Consumer complaint received 2023-03-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (AL)

Lvnv funding placed another collection account on my credit file. Even after I made a payment plan I'm getting tired of this then they lie about me in response to my complaint. So they can keep messing with me. Everybody else has had trouble with them too. They don't have a right to place anything on your credit file when you made payment arrangements. Or a payment plan. I made a payment that I could afford and this still wasn't good enough for them. They want me to be denied credit.
Consumer complaint received 2023-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc. (CA)

My XXXX, XXXX, and XX/XX/2023 payments keep getting rejected by Valon mortgage. They keep blaming my bank but my bank and saying my account numbers are incorrect but my bank has confirmed all my numbers are correct and there should be no issue. I have setup " Autopay '' many times and for a reason they are unable to explain, Valon Mortgage keeps turning it off.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In reference to my trans union credit report, my employers need to be updated to only the employers as stated here : XXXX ) XXXX XXXX and XXXX ) XXXX XXXX XXXX. All other employers can be deleted.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

this complaint is on XXXX XXXX and Equifax in regards to reporting inaccurate information AFTER they have Verified as Accurate account XXXX XXXX XXXX. 

XXXX results File number XXXX Date Issued XX/XX/XXXX Verified as Accurate Account Type OPEN ( this item should be closed because XXXX XXXX provided me with a response yet and the debt has not been proven under my name legally ) having my name and address is not validation. I want the signed documents proving I agree to pay them what I claim I owe ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} 7 Year fall off date XX/XX/XXXX. 

XXXX results Report Number XXXX Date Generated XX/XX/XXXX Verified as Accurate and Updated -NO RESULTS were provided to me to view. I had to get a new report separately. If this item was Verified and Updated like experian has generated then I should be able to view a updated report reflecting the updates. 
I got a new report XX/XX/XXXX and these are differences. 
-Activity in the Payment History on XX/XX/XXXX proving that this account is still open when it should be closed and ceased from collection and rerooting. 
A payment history ( XXXX never extended me credit so we do not have a payment history ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} On Record Until XX/XX/XXXX. 

I got a new report from Equifax on XX/XX/XXXX and the following errors show- this account is CLOSED. 
- Date of XXXX deliqneucny XX/XX/XXXX causing the 7 year reporting time to be set to XX/XX/XXXX. 
- a existing payment history with NO DATA -INCOMPELTE closed date ( but claim this account is closed ) -Past Due {$8400.00} ( I never had a contract with them so a past due does not exist. 

I have NO CONTRACT with this entity. This entity is reporting inaccurate different information but continue to verify information with the consumer reporting agencies. I have already filed a complaint on XXXX XXXX XXXX and awaiting for correspondence. XXXX XXXX XXXX is fully aware of the information being reported because I sent them notice of the errors and the fact that they are reporting a account and have not provided validation, there collection activities is FRAUD. I sent this letter on XX/XX/XXXX tracking number XXXX at there disputing address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MI XXXX and XXXX has recieved my letter on XX/XX/XXXX.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I have requested USAA Auto and credit card account to remove these account from my report and they have not. 

1. I gave no consent to report on my credit report, which is required.

2. The information is very inaccurate, and varies.

3. They have not produced the financial records to validate the debt as required by law. They only sent a statement of account not the records.

4. I have asked them to send me the XXXX XXXX XXXX and XXXX showing that they issued me a loan and they can not. 
STOP VIOLATIONS OF TILA
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2024 I open a new Claim ID : XXXX regarding a transaction for a total of {$380.00} from a restaurant in the country XXXX, this transection is overcharge based on what I order vs I get charge later when I comeback to United States after vacations, later on XX/XX/XXXX I receive a credit on my checking account but on XX/XX/XXXX the credit has been remove with the excuse that is being a food related complain, I reopen the case again in XX/XX/XXXX explaining that I don't have access to the invoice to see the overcharges however on XX/XX/XXXX the credit has being remove again from the account with the excuse see below " As you requested, we completed a re-evaluation of your claim. Our research included the information you provided with your claim, your account history and/or the monthly account statements we sent you. We made this decision because : When you make a transaction in person, you should've had the opportunity to inspect the merchandise. If later you find it to be unsatisfactory or incomplete, giving you a credit is up to the merchant. We recommend you contact the merchant directly for further assistance or send us a credit receipt or proof of return and we'll reopen your claim. 

What's next The credit ( s ) for {$380.00} that was applied to your account will be removed on XX/XX/2024, along with any credit ( s ) for fees related to this claim- You'll see the adjustment ( s ) on your monthly statement.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

this complaint is on TransUnion XXXX and XXXX in regards to reporting inaccurate information AFTER they have Verified as Accurate account XXXX XXXX XXXX. 

Trnsunion results File number XXXX Date Issued XX/XX/XXXX Verified as Accurate Account Type OPEN ( this item should be closed because XXXX XXXX provided me with a response yet and the debt has not been proven under my name legally ) having my name and address is not validation. I want the signed documents proving I agree to pay them what I claim I owe ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} 7 Year fall off date XX/XX/XXXX. 

XXXX results Report Number XXXX Date Generated XX/XX/XXXX Verified as Accurate and Updated -NO RESULTS were provided to me to view. I had to get a new report separately. If this item was Verified and Updated like experian has generated then I should be able to view a updated report reflecting the updates. 
I got a new report XX/XX/XXXX and these are differences. 
-Activity in the Payment History on XX/XX/XXXX proving that this account is still open when it should be closed and ceased from collection and rerooting. 
A payment history ( XXXX never extended me credit so we do not have a payment history ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} On Record Until XX/XX/XXXX. 

I got a new report from XXXX on XX/XX/XXXX and the following errors show- this account is CLOSED. 
- Date of XXXX deliqneucny XX/XX/XXXX causing the 7 year reporting time to be set to XX/XX/XXXX. 
- a existing payment history with NO DATA -INCOMPELTE closed date ( but claim this account is closed ) -Past Due {$8400.00} ( I never had a contract with them so a past due does not exist. 

I have NO CONTRACT with this entity. This entity is reporting inaccurate different information but continue to verify information with the consumer reporting agencies. I have already filed a complaint on XXXX XXXX XXXX and awaiting for correspondence. XXXX XXXX XXXX is fully aware of the information being reported because I sent them notice of the errors and the fact that they are reporting a account and have not provided validation, there collection activities is FRAUD. I sent this letter on XX/XX/XXXX tracking number XXXX at there disputing address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MI XXXX and XXXX has recieved my letter on XX/XX/XXXX.
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (MI)

BINANCE.US CLOSED MY ACCOUNT AND STOLE MY XXXX VALUED AT AROUND {$500.00} XXXX XXXX. THEY REPLIED TO MY FIRST CFPB COMPLAINT BY SAYING THEY WOULD RESTORE ACCESS TO MY ACCOUNT SO I COULD GET MY TAX DATA AND WITHDRAWAL MY FUNDS. THEY SAID A REPRESENTATIVE WOULD CONTACT ME ABOUT THAT. THEY NEVER DID. I CONTACTED THEM MULTIPLE TIMES ON THEIR WEBSITE AND THEY HAVE NOT REPLIED TO ANY OF THE 4 MESSAGES I HAVE SENT OVER THE LAST MONTH. THIS COMPANY IS A TOTAL FRAUD AND SHOULD BE SHUT DOWN.
Consumer complaint received 2023-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (MO)

I, XXXX XXXX, am writing to express my concern about the actions of AMSHERCOLLECTIONSERVICES. It has come to my attention that the company has been illegally reporting on my account, and I am requesting that all communication regarding this matter ceases immediately. I do not give AMSHERCOLLECTIONSERVICES permission to communicate with me regarding any alleged debts, as stipulated in 15 U.S.C. 1692c ( a ). The negative reporting on my credit report is defamation of character, and I have the right to seek actual damages according to 15 U.S.C. 1692k ( a ) ( 1 ). This negative reporting has caused me to be unable to secure a new car, and I believe that AMSHERCOLLECTIONSERVICES is engaging in extortion by reporting on my credit for this alleged debt.

I am requesting that AMSHERCOLLECTIONSERVICES remove its reporting on my credit immediately, or I will fully exercise my rights as a federally protected consumer and seek legal remedies. I will be sending a letter via certified mail to confirm this request. To avoid any misunderstandings, I have included references to the relevant laws for your convenience. I hope that this matter can be resolved quickly and amicably.
Consumer complaint received 2023-06-07
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)

I have pulled my report and saw these inquiries appearing that I did not authorize. Listed below are the inquiries that I demand to be deleted from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX