davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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. (NJ)

This is now my second complaint against Experian. In their response they claim they verified a bankruptcy with the " furnisher '' when I spoke with the " furnisher '' and XXXX XXXX confirmed they haven't and DO NOT give information to credit reporting agencies so who is this " furnisher '' they are referring too. I demand to know in detail HOW they verified this, who they spoke with, when, names and titles of their individuals and of the Experian representatives. please know that included in my suit will be all of the violations of the FCRA, defamation of character, and I will be looking for no less than {$30000.00} in compensation. Experian has violated 15 USC 1681b by furnishing these things WITHOUT my written consent I don't care who they claim the furnisher is. They have violated 15 USC 1681s-2, 15 USC 1681e ( b ) by not making sure this information was accurate before putting it on my report. And if it was verified then Experian please explain 15 USC 1681a ( 3 ) e which explicitly says the consumer report can NOT contain factual information from the creditor or a credit reporting agency. Information can only be verified through neighbors, friends, or others who may have knowledge concerning the items of information? Clearly Experian believes that the average XXXX will back down from their bullying tactics but not this guy. I am a well educated professional willing to do whatever to protect my name against Experian 's fraudulent practices not to mention a data breach they experienced where the thieves were able to get into anyone 's FULL credit report for 47 DAYS! Your practices are not secure or ethical. Experian did not even speak on it for over a month and there is still no resolution. So who is to say that my information was not included in that breach and Experian 's negligence is still causing me damage. The company is a complete joke they obviously paid for their XXXX  XXXX because they have XXXX out of XXXX stars.
Consumer complaint received 2020-03-12
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

There are two fraudulent accounts from Capital One Bank USA # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at XXXX  they stated that Capital One Bank USA unblocked the debt and XXXX  has no way of re-blocking the debt back. Which is odd because XXXX   have the ability to unblock and block accounts. Per Capital One they are stating the accounts belong to me due to a fraudulent address and number that was provided to them by XXXX  that the account belongs to me. 

The Capital One accounts are fraudulent. I have NEVER lived at XXXX XXXX XXXX XXXX nor have I had a phone number as XXXX. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore Capital One needs to please provide me with a copy of all the following : An explanation of what this alleged account balance is for.

A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

Documentation showing I agreed to pay this debt The Agreement that grants you authority to collect on this alleged debt.

A copy of your state license, including license number.

If they can not validate these debts ; then these accounts will need to be removed.
Consumer complaint received 2021-06-24
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. (OH)

Please see the attached FTC Report that includes XXXX XXXX. This is in response to a previous CFPB complaint. Please remove the XXXX Account. It has already been removed from XXXX.
Consumer complaint received 2017-04-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015, XX/XX/2015 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.
Consumer complaint received 2023-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (SC)

During the Covid pause up until XX/XX/XXXX, I have made payments for my student loans. I requested in XX/XX/XXXX to be refunded for those payments I made during the Covid pause period. The servicer told me to allow 90 days to receive a refund. I have not received a refund. I have called numerous times to get a clear answer and to obtain my refund with no reliable information. One representative told me they havent process the refund. One told me they are waiting on information. I dont know what to do at this point.
Consumer complaint received 2023-07-03
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)

Un-authorized inquiries, accounts, addresses, names and telephone numbers 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (GA)

I don't know exact dates But there are two charges for {$1000.00} to anericollect I've disputed this over and over the other creditors removed it from my report. Experience is the only company that refuses to remove it Number one medical costs are not supposed to be added onto someone's credit for this is the law. Number two they are breaking their hipaa by disclosing my information to another consumer and number three I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v gravens ( mo ) 281 SW 715 719 I presume that no proof of the alleged debt nor therefor any such debt, in fact therefor exists as well as hipaa violation
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and noticed a collections account for an apartment complex that I've never lived at or signed a lease for. This is identity theft and fraud and they are trying to collect on a balance that I do not owe, they are unable to provide a copy of any lease or form bearing my signature, proving that I signed a lease to live there ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WV)

My complaint is geared towards the benefits of the CARD act of 2009. The card act states that the card company must apply payment towards highest APR for any promotional balances on your card except in the ending 2-3 billing cycles for a lower APR. 
CITI bank credit card FAQ reflects this information and even references the CARD act in multiple locations on their website. 

Here is my problem. I had an introductory balance transfer at 0 % for 18months. around 12 months into it i did a balance transfer at 1.99 %. For the last 6 months of the 0 % very little of my payments went toward my 0 % balance. I expected payments made during the last 2 or 3 billing cycles to be applied to the balance so i paid accordingly to get my 0 % balance to {$0.00} so as to not have a balance that rolled over to 15.99 %. This was not the case and the majority of those last 2-3 payments went toward the higher APR balance. 

CITI told me that only the payments made after the balance has been rolled into the 15.99 % will be credited toward the lower APR ( basically it would be impossible to pay off any substantial amount before 0 $ promo ended ).

I mailed a letter and payments, statements, and screenshots from their website indicating such information to CITI and I received a letter back stating that they only apply payments to the higher interest rate. WHICH IS WRONG!!!! 

After the final bill came out with the 0 % balance switching over i paid the balance and it still was not reflected on the proper balance so i ended up getting a few hundred dollar balance with interest acruing on it. 

I asked for an extended period of 2 or 3 months to make additional payments against at 0 % since they did not honor the CARD act properly. I was given no such option.
Consumer complaint received 2023-06-03
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. (NC)

On two accounts on my credit report, I have late payments due to having Covid and I was unable to work. Therefore I was late making payments on time. I explained this to all 3 credit agencies but they denied my request to have them removed. The account are XXXX and XXXX XXXX. On XXXX I was late XX/XX/2022 and XXXX XX/XX/2022. I asks that these late payment be updated as pay as agreed and never late. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account ur open end consumer credit plan as I purpose.
Consumer complaint received 2023-03-06
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The following information is information excluded from the definition of CR under FCRA : ( i ) Transaction or experience information including the customers account history with a company, the length of time a customer has held a credit card with the issuer, the number of times a consumer has been late in making payments on a credit card, and the average monthly balance in a consumer account ( LATE PAYMENTs reported on my Consumer Reports are ILLEGAL ) XXXX/XXXX  XXXX  is illegal reporting late payments
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

Truist Bank is saying I'm responsible for - {$100.00}. My account had a fraudulent charge of {$200.00} from an unauthorized person or place. The {$200.00} went to the fraudulent department and was settled. But, I put a freeze on my account and stated that I had 4 authorized transaction coming out. At that time it was - {$310.00}. They are trying to say that I'm responsible for this amount and I'm not. They claim that they refunded 3 overdraft amounts in which none went to the - {$310.00}. Please look into this matter. Thank You.
Consumer complaint received 2017-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (GA)

I am being contacted concerning a debt that is not mines. I have written them several letters asking for Validation of the debt and have yet to get any type of response except we have verified it with our client. I know they have received the debt validation request because I sent it certified and it was sign for on each communication I have had with them.
Consumer complaint received 2023-06-03
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-03
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-01-07
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NC)

I am getting over XXXX calls a day from this number. They will leave a recorded message stating that " This is XXXX XXXX from Navient. Please return my call at ( XXXX ) XXXX. '' The calls are occasionally after XXXX. I am late with my current month 's payment to Navient and will be paying it next week, although I have also received these frequent ( XXXX times per day ) calls before even when not behind on payment. It is my understanding that frequent calling is harassment and illegal. Anything you could do to stop them from doing this to myself and other Navient borrowers would be greatly appreciated.
Consumer complaint received 2023-06-03
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. (SC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX
Consumer complaint received 2017-11-25
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. (NC)

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to the none of the aforementioned  permissible. Please remove them. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXXXXXX XXXX, IN Inquiry : XXXX XXXX, XXXX -XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX -XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
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. (TX)

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, 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 2023-06-03
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. (TN)

This is my 3rd 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 items listed below : 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 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 2024-03-25
Product: Credit reporting 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. (NY)

The below inquiries were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX