davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2017-03-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On Friday XX/XX/XXXX I deposited XXXX ( several checks ) into my business account at citizens bank in XXXX inside of XXXX. The bank deposited XXXX some odd dollars instead of XXXX. Right away I went to the teller and said you gave me too much money. He said it was friday and to come back monday and we could remove it. I went back monday it was n't there, tuesday it was n't there. Thursday I went back and to my suprise they withdrew the money ALONG WITH MY DEPOSIT. Now if i would n't have checked they would n't have told me??? If i would have kept that money it would be theft. Why were they allowed to take MY money from MY account and NOT notify me?? They still have NOT given my money back. they told me I had to go back saturday to fill out paper work??!!! to get MY MONEY? And from there it could take days. I want to file a complaint as they were not permitted to go into my account. how many other peoples accounts do they do that with???? I consider this theft and want my money. I should not have to wait
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (CA)

In accordance with the fair creditor reporting act this creditor has violated my wrights. Under 15 USC 1681 section 602 it states that I have the right to privacy. 15 USC 1681 section 604A section 2 also states that consumer reporting agencies can not furnish a account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AR)

Equifax continues to report this erroneous, unverifiable, inaccurate account on my credit report. I have disputed this account ( XXXX ) with this bureau on 4 occasions and each time it was verified. In XX/XX/2016, I disputed this account with XXXX XXXX XXXX, XXXX, who at that time was reporting this item. I received this letter from them in XX/XX/2016 where they indeed stated that they had submitted a request for each bureau to remove this item. It is now XX/XX/XXXX and Equifax is still reporting this item. Additionally, how are XXXX collection agencies attempting to collect this same debt. Equifax is allowing XXXX XXXX and XXXX XXXX to report. That is against the law. XXXX collection agencies may not attempt to collect on the same debt. This bureau has been relentless in reporting and updating my credit reports. These accounts should be deleted immediately.
Consumer complaint received 2017-05-15
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (VA)

XXXX   XXXX ,    2017 Me ssage left on machine looking for another person who was " listed on an application as a reference ''. Caller ID #  XXXX   XXXX , call back number stated  XXXX
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (FL)

Why isnt this case being investigated properly why is a seller getting away with this? I need you to look into this further take your time no rush the look at the tracking number when it was generated it does not go with this order. 

Now look at the XXXX $ why isnt the seller providing the tracking for this? 
I will not pay you guys another XXXX on that pay in 4 until you have the seller give you the correct tracking that belongs to this order.My final decision is not do business with you guys if your going to treat a person that's been with you 8years like this I had supervisors type up stuff stating tracking was generated XX/XX/XXXX look closely at the XXXX item I was bought at that time I signed for it at postal service. 

XXXX Transaction date XX/XX/XXXX XXXX Transaction Date XX/XX/XXXX XXXX XX/XX/XXXX XXXX Transaction date XXXX XXXX Transaction date XX/XX/XXXX XXXX Transaction Date XX/XX/XXXX How can one tracking number belong to these Transactions that were ordered at different times. 

You Guys denied my case and allowed a company to attach the same tracking number which was generated in XX/XX/XXXX so how can this evidence go unnoticed. 

Also the company in a email sent to me admitted that items were turned over to authorities due to copy infringement so how could I have a letter from customs stating they have seized my items for counterfeit i had to pay a fine and forfeiture of goods. 

So XXXX attached the tracking number to the lowest cost item and runs away with my money.Denied 4x for item not as described reason denied item recieved.So when I person received a item puts in a dispute for item not as described how come its denied as item recieved tracking provided. 

YOUR INVESTIGATORS FAILED ME THEY DID NOTHING TO PROTECT THE BUYER UNDER BUYER PROTECTION. 

I NEED SUPERVISORS OR SOMEONE TO PROVE TO ME HOW XXXX ITEMS CAN PURCHASED DIFFERENT TIMES HAVE THE SAME TRACKING NUMBER AND PAYPAL ALLOW THIS AS EVIDENCE. LOOK AT THE PURCHASE DATES THAT TRACKING NUMBER CANT GO TO ALL THOSE ORDERS I WANT THE EVIDENCE THAT YOU HAVE IMMEDIATELY SO I CAN RETAIN LEGAL ACTION BECAUSE THIS HERE IS FRAUD
Consumer complaint received 2023-01-04
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

Around XX/XX/2019, I saw that 2 new collection accounts were added to my credit reports from Pheonix Financial Services LLC. Prior to this, I knew nothing about the medical debt owed. I never received any bills, nor was I expecting any because I was insured by Medicaid until XX/XX/2019. I have asked them to verify the debt, and they still haven't replied, and my credit has already been affected
Consumer complaint received 2024-06-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

See attached file I have been making monthly payments to Navient on this over XXXX-year old student debt consisting of Stafford loans , regularly and on time without fail for about a decade, most recently at the rate of {$320.00} per month. ( Immediately prior to this period, my family was under a XXXX  XXXX plan that Navient refused to participate in, a bankruptcy filing triggered by financial distress regarding this same student loan debt. I had made payments on this debt for years before that filing, if not as faithfully during that time as I have done post-bankruptcy. ) Then on XX/XX/year>, I suddenly received an email from Navient ( without any other prior warning, and not even by a mailed letter on paper ) that the monthly payment due will suddenly escalate to {$710.00} more than double the current amount
Consumer complaint received 2023-10-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (DC)

Last time, I did file a complaint and I did receive a replacement card. I used it to buy another card but AMEX gift card. It worked until I did try XXXX and XXXX. Here although I did use it previously at XXXX, this time, the same card was denied. It was also denied at XXXX then it worked at XXXX. As you will read if I don't use XXXX, ... I may not have opportunity to use my remaining balance. Who to blame I don't know? they say new security system does not allow them to proceed
Consumer complaint received 2021-03-11
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: Bread Financial Holdings, Inc. (GA)

COMENITY BANK IN PARTNERSHIP WITH XXXX HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH COMENITY BANK AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2017-11-22
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: CREDIT ACCEPTANCE CORPORATION (TX)

XXXX XXXX XX/XX/XXXX they got a hard inquiry on my credit report today inquiry I didnt request ... 
XX/XX/XXXX XXXX got a hard pull I didnt request i never applied for nothing I disputed the inquiry and the refused to remove it Credit acceptance XX/XX/XXXX have a hard inquiry on my account i did not to or approved I disputed the inquiry but they refused to remove it
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (OH)

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!!
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FISERV INC. (PA)

We wrote a check in match or XXXX at XXXX - woukd not go through due to telecheck. Had to call them to get the check okayed. And they are foreigners asking all personal information. In XXXX  we went to XXXX  an XXXX grocery store- same thing happened- again called the company. And again foreigners asking personal information
Consumer complaint received 2022-09-11
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. (PA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-09-11
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. (FL)

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 Account # 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
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The account  XXXX   XXXX   XXXX  is supposed to be closed with a {$0.00} balance per the investigation with   XXXX    XXXX
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To be delivered to each Credit Reporting Agency. This is not a duplicate. 
On XX/XX/2017 I disputed an erroneous account appearing on my credit report. Refer to CFPB case # XXXX. The errant line item is # XXXX pertaining to XXXX. XXXX failed to reply after 60 days. Due to their failure to respond within the 30 day period set forth by federal regulations, this item must be immediately and permanently deleted from my TransUnion credit report.
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm locked out of online dispute for Transunion. I contacted them in XXXX for XXXX inquiries I did not recognize. I received no correspondence from them. I called today and they are asking me to mail an FTC report. They gave no pdf as the lady claimed, just a report number. Furthermore, I'm XXXX and indigent. I need to be able to submit this info online. I am a victim of the XXXX XXXX  Data Breech. I have proof. So the XXXX inquiry XX/XX/XXXX should be removed. I didn't authorize this. The inquiry from XXXX XXXX in XX/XX/XXXX is not authorized. I am lead Plaintiff in the Class Action Against XXXX and have frozen my credit. Finally, my student loan is paid in full from XXXX and they keep reporting that I owe more than I borrowed.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center (TN)

Arstrat XXXX calls me on a XXXX basis at XXXX times with no information provided. I have no outstanding debts, and have not received any written notice of potential debts. 

XXXX  XXXX voicemails state : Hello this is XXXX XXXX calling from Arstrat. Please contact me or any of our representatives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX again that number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AZ)

I was supposedly approved for a loan modification on my mortgage with DITECH. I completed by 3 trail payments by XX/XX/XXXX. Since then, I have been paying the trial amount each month but can not get them to answer questions about the status of my final loan documentation. I can not get my rep to call back with any coherent response, and all I get are letters in the mail pushing back a " resolution '' time by 14 days each time.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been trying to get this situation corrected for a year now but no one in the XXXX XXXX credit card services department can help me. My first issue i brought to their attention was the fee 's i was assessed in XXXX through XXXX. On the XXXX XXXX website, i was only able to pull up my XXXX XXXX, 2015 year end statement. This statement shows a continuous {$2.00} charge per month that i was unaware of. The statement also states that I was charged {$72.00} dollars for the entire XXXX calendar year. I have called customer service a million times trying to figure out why I kept getting charged and requested a full refund for all the fees related to this issue which I believe began in XXXX. I have yet to receive a refund or even an explanation that makes sense. My second issue which I believe occurred due to my first issue with the fees charged is the 30 day late reporting 's that are showing on my credit report in XXXX XXXX and XXXX XXXX. I have never missed a payment or made a late payments since the inception of this credit card. Furthermore, I have barely used my credit card that has only a XXXX dollar limit. These credit reporting 's are fraudulent and violate my rights under the Fair Credit Report Act. XXXXXXXX XXXX has charged me for fees that I have been unaware of and reported me late because of these fees. Please help me correct my credit report and receive a refund for all these miscellaneous fees that I have been erroneously charged.
Consumer complaint received 2023-05-15
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XX/XX/2023 - XXXX Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this