davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (TX)

I received your letter on XX/XX/XXXX stating that you, Credit Management , LP will honor my specified remedy by deleting this collection account from all consumer reporting agencies. However, I recently obtained my credit file and let the record reflect notice that you, Credit Management , LP failed to delete this collection account from my credit file. Instead of deleting the negative information off my consumer report, you Credit Management , LP closed the account on XXXX, and add an open account on my XXXX on XX/XX/XXXX.
Consumer complaint received 2023-01-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MA)

have private student loans that hav been steered into forbearance plans that just make the balance go up and don't really help. I rely heavily on my sphere of influence because I do real estate and my client whose also a family whom I sold a home to have gotten calls from navient about me without my consent, resulting in lost business. No refferals and or testimonials either from that client. I think the negative light that I was put in by navient has been a direct result of this. I've also experienced harassing phone calls for the better part of 5 years over 20 calls a week. This resulted in for performance and when the phone call stopped I can see a clear change in my income. I've had calls on the record before XXXX disrupting my work flow. I've been threatened regarding my assets and with lawsuits. They also disabled my online account so that I couldn't pay without calling them and I had to miss work from that as well I have emails and records of that also. 

I have around {$30000.00} of private student loans with navient and they have only grown with the stress of these scare tactics and payment plans that are misleading
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (GA)

XXXX XXXX Inquiry dated XX/XX/2020 and XXXX XXXX dated XX/XX/2020 should not be reporting on my consumer credit report after 2 years according the FCRA.
Consumer complaint received 2023-01-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This company tries to pass the blame off but under the fdcpa 15 usc 1692 was established to stop shady tactics the fair debt act also states that you are responsible for resolving desputes I have shown you that I never received a notice even bi your own records your state that you mailed a notice to a previous address of mine geniuses.. I have no family except my sons. So if you do not contact me in my location which is in violation of the debt act. Please remove your unlawfully debt my place of address was New York State prison ..and I have seen plenty of guys getting notices even sued while in prison your company is just using unlawful and in ethical tactics. Which your company has document records of doing so..you have a known history of using unlawful tactics. So much you had to create a protection fund for class action settlements please remove your unlawful debt I have neither time or patient for litagation you will not receive any money from me.. please remove this debt.. I provided u a disposition copy from the XXXX XXXX court stating I was in prison at the time of your purchase of this debt.. and yet you still try and pass this responsibility off to the credit reporting agency when its you making the illegal dispute .as I am sure no one took the time to do there jobs and search for me as it public record and the desposition of the court will show that I was in prison arrested on XX/XX/XXXX, XXXX my sensitive credit report is also private and I never allowed or shared any of it with portfolio recovery. That alone is illegal. Please remove this debt. Your choosing to ignore the disposition from the court I provided in report XXXX. And are trying to pass the responsibility off to the reporting agency when you are respomsible to follow the law
Consumer complaint received 2017-02-17
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

I went to a Wells Fargo branch to deposit a check into my father 's account that was issued under his name. It arrived by mail to his old house in XXXX house, and he moved to another city couple years ago. So I wanted to deposit it myself instead of mailing it to him. I I went to a small brach inside a grocery store, located near my university. I asked a banker if that would be ok to deposit that check if I know account number and was told that it 's absolutely not a problem. I was helped by a branch manager, because other tellers were busy. She took a check, did all the required steps and scanned the check through the machine. And only when recipept got printed she notified me that because of the upcoming holidays all funds except a XXXX dollars will be available in 7 business days, but because of the holidays it somehow ended being 13 calendar days. I was astonished to hear that. I asked to revert the transaction, because that was too long and did not sound reasonable. ( A banker at another branch was later able to deposit it, so it cleared on the last day before the holidays in only two days. ) When the banker completed cancelation she told me that she would not give me check back, because it was issued under my fathers name, even though I just brought it in 5 minutes ago. My father had to leave work and drive over XXXX miles from another city to pick up the check, because manager claimed that she will shred the check if he does n't pick it up by the end of the business day. And we did not want to to go through a hassle of requesting to reissue check. 
Manager of that branch did not have any regards for the situation she created and failed to notify me of important deposit information before deposit was made. When I asked her which rule does not allow her to return it to me, she said that there is a rule and she can show it. However, when I asked to show she started looking for something and after couple minutes of unsecusseful attempts to locate the set of rules, she said that even if she finds it she would not show it to me, because of another rule. On the question whether someone can make exception to that rule, branch manager said that she can, but would not. When I asked why did you say that, she refrained from answer. I also offered to get my father on the phone to verify his SSN and ID number and authorize me to pick up the check. Service manger XXXX provide not a single argument other then " I ca n't do it '' I have been a client of Wells Fargo for 5 years, have a depot, credit and business cards, maintain reasonable daily balance and did not have a single bounced check or similar problem. 
Check amount {$25000.00} Date of attempt to deposit XX/XX/2017 First {$200.00} available immediately. 
The rest on XX/XX/2017 Average checking account balance {$3000.00} With linked business account and investment Service manger 's name : XXXX Branch : XXXX, CA XXXX United States
Consumer complaint received 2020-08-07
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: Experian Information Solutions Inc. (FL)

Experian currently reports an inaccurate inquiry on my credit report. 

1 ) XXXX XXXX XXXX, inquiry date XX/XX/2020, no permissible cause as required by federal law, no loan or credit was awarded. A violation for reporting inaccurately per fcra rules section 1681
Consumer complaint received 2023-06-06
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. (MO)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Since XX/XX/XXXX I have been asking Bank of America to stop all automatic payments. Now I have 36x {$35.00} NSF fees and they are still adding up. 

First the bank told me the payments will still go through but I will be charged the {$35.00} NSF fee. 

No the payment is not going through, and they are bouncing the payment and still charging {$35.00} for return check fee. 

The Businesses keep trying to charge, and they keep bouncing and charging me. 

Bank of America is so wrong for this.
Consumer complaint received 2022-12-15
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: Kramer & Frank, P.C. (MO)

XXXX  judgment with lawyer at Kramer and frank my debt consolidation program has been trying to reach their office since XXXX they dont return phone calls I ve tried left messages with no luck just want to pay them in full they are still on my credit report harassing my life and my progress forward they are terrible
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-01-19
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. (FL)

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2023-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

A check we wrote was stolen from a gift box at a wedding and was cashed. It was endorsed by another party, XXXX XXXX. XXXX other people were affected by the same fraud but all of them had their funds returned to them within XXXX weeks by their banks according to information I have. It was check # XXXX for {$300.00} written on XX/XX/XXXX and cleared my bank, XXXX XXXX. on XX/XX/XXXX. 
A police report dated XX/XX/XXXX was provided to my bank when a copy was made available to me from the police department on XX/XX/XXXX. XXXX responded with a letter dated XX/XX/XXXX, that they had received my claim and assigned it claim number : XXXX XXXX XXXX XXXX. 
I have contacted the XXXX Bank fraud department listed on this letter at XXXX at least XXXX times in the ensuing time for an update. The response is always the same ; " We have sent an email to the bank that cashed the check, XXXX XXXX, and are awaiting a reply. '' XXXX XXXX says they are investigating but in XX/XX/XXXX, it has now been XXXX  months and XXXX XXXX needs to authorize return of these funds as they cashed a check that was not properly endorsed. 
XXXX XXXX has provided no timeline or plan for resolution to XXXX Bank. 
I have also reported this as advised by the fraud department agent to ; XXXX but have only received the same response that they are waiting to hear from XXXX XXXX. My bank says they are unable to disclose the XXXX XXXX internal tracking number but they can reference it by contacting XXXX at the phone or email information as above. If this were a more substantial amount, say for a rent payment, a client could be in serious trouble.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION (OH)

THE CAR A XXXX XXXX XXXX SHOWS : 1. A LATE PAYMENT FOR XXXX XXXX BUT WAS PAID OFF BY XXXX XXXX AND I PURCHASED ANOTHER CAR. 

2. MY CREDIT REPORT DOES NOT ACCURATELY REFLECT THE AGE OF CREDIT. 
I PURCHASED THIS VEHICLE IN XXXX XXXX.
Consumer complaint received 2017-07-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SECURITY FINANCE CORP (TN)

Security finance in  XXXX  Tennessee reported late payment to the credit bureau  XXXX   XXXX  2016 I have since paid the account off and owe a  XXXX  balance however the account is still showing a negative mark on my account and severely affecting my credit how do I go about having this removed.
Consumer complaint received 2017-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

On   XXXX   XXXX  , 2017 Chase bank sent me a letter : " The total payoff amount due for your mortgage is {$14000.00}. This amount is good through  XXXX / XXXX /2017.
On   XXXX   XXXX  , 2017 I went to Chase Banks branch #   XXXX   to pay off my mortgage #   XXXX   and paid {$14000.00}. However as of my mortgage was transferred to   XXXX   XXXX   XXXX   XXXX   on   XXXX   XXXX  , 2017, and Chase bank had reported to a credit report that my account was transferred to another service, this is incorrect. I keep calling to Chase bank to complain this matter and always get the answers : '' Your mortgage was transferred to   XXXX   XXXX   XXXX   XXXX  , not on Chase bank so we can not do anything to help you ''.
This is very frustrated any time I called them, please help me to solve this problem.
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Regards
Consumer complaint received 2023-06-06
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. (IL)

Dear TransUnion Credit Bureau, I have contacted you several several times regarding the fraudulent hard inquiries on my credit report and sent you all the documents including FTC report to you. But didn't get any results, so I have to submit a complaint on you, since I couldn't get any assistance from you. These hard inquiries are fraudulent, I never authorized them Please delete the following hard inquiries from my credit fil : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act 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 1666B : 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 2017-07-17
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. (AR)

Since I have disputed all of and any payments, agreements, wet ink signature, balances and debts of false info no response of lawful investigation.
Also There is recorded conversation call that supports the no lawful proof of verification claim by the Equifax rep.
Account #  XXXX ,   XXXX   XXXX    XXXX  Dates provided upon request my phone number and Email listed.
Consumer complaint received 2023-01-09
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. (CA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
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. (GA)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$550.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$11000.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-21
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. (UT)

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.

The letters are stated with items and issues.

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.