davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Consumer complaint received 2021-06-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AL)

The reported voluntary forbearances dates starting from XX/XX/XXXX to XX/XX/XXXX are not accurate. I was in repayment under your hardship program during this reported timeframe. I don't understand how can my status be in a Voluntary forbearance while agreed payments were automatically debited from my account under your program. My account also received late fees and capitalization line items and I am requesting more details.. Dates in question are listed below. 
XX/XX/XXXX : {$1300.00} ( capitalization ) XX/XX/XXXX : {$20.00} ( Late fee ) XX/XX/XXXX : {$12.00} ( Late fee ) XX/XX/XXXX : {$7.00} ( Late fee ) XX/XX/XXXX : {$10.00} ( Late fee ) XXXX/XXXX/XXXX {$10.00} ( Late fee ) XX/XX/XXXX : {$32.00} ( Capitalization ) XX/XX/XXXX : {$25.00} ( Capitalization ) Please perform a cross reference with the Forbearance postponements and the payment history that was provided by Navient. I received late fees and capitalization interest while I was still making payments that were agreed upon under Navient 's hardship program. I do not trust the integrity of the data being provided since your dates reflect different as you have responded in the previous complaints. 

Please clarify why there is a discrepancy in your faulty database. This definitely creates doubt of Navient 's recordkeeping. Why wasn't this discrepancy identified earlier? In the companys response, Changes to our website may cause the Disbursement transaction to reflect an initial inaccurate balance. The discrepancy is caused by the Loan Sale Entry on XX/XX/XXXX, which shouldnt appear in your history. The amount of the Loan Sale Entry ( {$29000.00} ) plus your actual disbursement ( {$4000.00} ) is incorrectly reflected on the online account history as the disbursement balance. Please clarify if the loan sale entry of $ XXXX includes $ XXXX or is the additional $ XXXX. 
Status History XX/XX/XXXX Status Begin Date End Date Post Date Grace ( Attached ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Repayment XX/XX/XXXX XX/XX/XXXX XXXXXXXXVoluntary Forbearance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Voluntary Forbearance XXXX XX/XX/XXXX Administrative Forbearance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Repayment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX RepaymentXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Voluntary Forbearance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Repayment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Voluntary Forbearance XX/XX/XXXX XXXX Repayment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Voluntary ForbearanceXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Repayment XX/XX/XXXX Present XX/XX/XXXX
Consumer complaint received 2022-04-18
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. (MO)

Inquiry : XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Inquiry : XXXX ( Bank ) XX/XX/XXXX Inquiry : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Inquiry : XXXX ( Hotel and travel ) CollecitonsXXXX XXXX XXXX Last reported XX/XX/XXXX 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. Convergent Account # 1234, 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
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (VA)

So I normally disable my debit card to prevent any charges on my debit card for online transaction methods. The only transaction method I allow is in person transaction. Ally Bank allows it's customers to manage their transaction methods for their debit cards or at least that is their claim. On XX/XX/year> I had my card turned off with the exception of in person transactions. I got a notification that my car had been charged multiple time. I thought this was insane because I had my card control features set up to not allow online purchases. To my surprise I I see all transaction methods enabled, something I did not do nor did I consent to. I contacted Ally 's customer support via chat, albeit very unprofessionally but understandable given the circumstances. It took forever the the rep to respond but eventually they told me it was due to a tech issue and that they are working on it. That does not put the money back into my account. Eventually the agent told me that I need to wait for the transactions to settle and that I may dispute them. I waited, disputed one of the transactions and they refunded me the charge. In the process of disputing the charge they cancelled my then current debit card which makes sense. On XX/XX/year> I got my new debit card delivered to me by XXXX, without even telling me it was going to be delivered, no tracking information nothing. Who does that? I tried to activate the card using their process of dialing a XXXX number and entering my information. The XXXX kept telling me that it did not recognize the card, I called customer service and the lady, XXXX said they activated the card for me. When I refresh my account it still shows the card was not activated. The rep said that a pin needs to be created. I said ok let 's create a pin then. She didn't appear to know what to do, she said she would reach out for help with some " trouble shooting steps ''. She tried that, still not showing activated. After threatening legal action she didn't know what to do and transferred me to the fraud department. Fraud department said there wasn't anything they could do and someone in customer service can set it up for me as the card shows activated but without a pin. He said he would transfer me back to customer service and then hung up the phone. Luckily I was able to get help from someone by the name of XXXX in chat to activate the card and set up a temporary pin. I then was able to call their automated line and change my pin from the temporary one.
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-31
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. (VA)

I just received my reinvestigation back from TransUnion. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I have attached a consumer report as evidence.
Consumer complaint received 2022-10-31
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: General Motors Financial Company, Inc. (NY)

I have sent multiple letters and had several phone calls with various agents regarding this issue. The company has ignored all factual information provided and demands. 

I have filed two separate disputes with credit agencies-regarding inaccurate reporting to credit agency. Results from disputes filed show additional inaccuracies. first dispute filed XX/XX/22 second dispute filed XX/XX/22
Consumer complaint received 2020-01-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

APR is 279.50 % which is over the required limit. 
Withdraw funds from two different accounts when just link to one account to withdraw. 
Monthly payment are expensive up to about {$260.00}. Which much of nothing goes to principle or balance. 
Will not comply with debt consolidation program. 
Lot of negative reviews from people who have been scam even after they paid the complete balance.
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NY)

On XXXX XXXX I received a settlement letter to settle and payoff a credit account with Barclays if payment is received by XX/XX/2019 from their attorney. The amount was paid in full on XX/XX/2019 as stated in the letter. The letter stated that it would be fully compromised and settled. 
The letter I paid and settled and account with the attorney as agreed. I sent a request to the credit reporting agency to update the file and on 2 occasions they return at report stating that there was a remaining balance of {$540.00}. It was reported XX/XX/2019, XX/XX/2019 and again in XX/XX/2019. 
The legal document states that the account would be fully settled and compromised. Meaning there would not be a balance owed. Submitted the request to the credit reporting agency has resulted in no change and basically a repeated inaccurate report resent. Reports are supposed to be accurate and I have continued to receive an inaccurate credit report.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2021-06-18
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. (FL)

Multiple fraudulent inquiries on report. 
I am a victim of Identity Theft. Please remove the below inquiries from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Enclosures : 1. Copy of Identity Theft Report 2. Copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four ( 4 ) business days. 

XXXX XXXXXXXX  XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX  XX/XX/2021 XXXX
Consumer complaint received 2023-06-30
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. (MI)

XX/XX/XXXX I NOTICE FRADULATE INQUIRIES AND COLLECTION ACCOUNTS ON MY CREDIT REPORT- CONTACTED AGENCIES FOR DISPUTE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (MI)

My boyfriend used my debit card when he signed up for Lexington Law while I was at work without my approval. Upon my noticing the fees taken from my account on XX/XX/2021, we called Lexington Law to inform them that he did not have permission to use my bank account. They did refund the money. Lexington Law was informed not to use my card again and my boyfriend also canceled the services at this time. 

From this date through XX/XX/2021, Lexington Law has continued to take charges out of my account ; the dates and monetary amounts are listed below. We again called Lexington Law on XX/XX/2021, questioning why they continue to take money from my account when he had canceled this, and they were aware that I did not authorize payments to be charged to my account. We were told they would look into it and return a call to us within three days. On XX/XX/2021, we called Lexington Law when we did not hear back. During this call, we were placed on hold several times as Lexington Law still had not addressed any of our concerns that they had promised to call us to discuss. Eventually we were told they would reverse {$120.00} for XXXX only and no other money would be returned even if though they were aware of the unauthorized use of the card. 

Email address issues continue to keep us ill informed of his status with this company and their refusalto close the accout. My boyfriend was unaware that the services were still being charged from my account as he never received emails from the company. His email adedress is continously mispelled so he has had no contact with the company about the services still being charged. On XX/XX/2021, he did correct his email spelling with the representative, yet again on XX/XX/2021, his email was spelled incorrectly again. He now has requested a copy of the transactions on his account and was told it takes 3-5 business days for the email to arrive. 

Because in XX/XX/2021, they were made aware that the card used for their services was not their clients and was used without the card owner 's approval, I find it appalling that they would continue to charge the account. It is on his file, XX/XX/2021, that this was an unauthorized use of his girlfriend 's bankcard, so money was returned, yet they continue to take the money every month since this date. 

Unauthorized charges that were taken from Lexington Law XX/XX/2021 {$120.00} XX/XX/2021 {$19.00} XX/XX/2021 XXXX {$120.00} was reversed back to my account due to me not authorizing the purchase, so they agreed to return the money and close the account. Regardless the fees did continue to be charged to me in the following withdrawals : XX/XX/2021 {$110.00} XX/XX/2021 {$120.00} XX/XX/2021 {$120.00} XX/XX/2021 {$120.00} XX/XX/2021 {$19.00}
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I have a Credit Card By Chase bank and XXXX XXXX XXXX which i have been charged {$85.00} for each year since XXXX. 
I called XXXX and they had no reply for why i never received a Free night Stay in their Hotels as promised when signing for this card, they had no reply for me. 
Next i called Chase card services to waive the fee charged to my card as of XX/XX/XXXX. 
They Blankly refused to do so. 
So basically they can make all those promises and not deliver where as we are fools to believe them?? 
I want all my Fees refunded for all the years paid and that i did not receive the Free Night Stay Voucher in Mail. 
Is this not what Anti trust laws are about?? 
Any XXXX and XXXX will be appreciated. 
Thank you. 
XXXX XXXX XXXX ending in XXXX XXXX XXXX membership # XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Hello, these errors you keep reporting on my credit keeps me awake at night, it's taking a toll on my mental health, I'm trying to get a home loan yet It's either I get outright rejected or has exorbitant interest rates all due to the inaccurate reporting on your end- this is really depressing.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. DISCOVERBANK XXXXXXXX
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only TransUnion and XXXX. This has caused undue stress in trying to remove or validate this inaccurate information. This information appears from XXXX and keeps reappearing with different payment dates, payment amounts and even as a duplicate. 

In accordance with the fair credit reporting XXXX XXXX account # XXXX and XXXX XXXX account # XXXX are violating my my rights, which state that negative and outdated information can not reappear after it is found to be fraudulent and/or not validated. 

15 USC 1681 section 602-A states that I have the right to privacy.

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

I did not provide a wet signature or permission for these accounts to be reported nor should they be reported form XXXX. Illinois consumer law prohibits reporting after 5 years. 

I demand that these accounts be removed from my credit reporting file.