davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
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. (TX)

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 also states a consumer reporting agency can not furnish a account without my written instructions.

I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2023-02-05
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: EQUIFAX, INC. (GA)

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX
Consumer complaint received 2023-06-19
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Ive mailed over countless letters to All 3 major credit bureaus and alleged creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) each creditors violated my consumer rights under the FCRA and I stated to XXXX that each creditors was allowed their full 30 days plus additional 15 days to respond back to mailed CERTIFIED letter I requesting verification of debt! Which all failed to do so! Under the consumer law 15 USC 1681eb that i have a right to a complete and UPDATED AND ACCURATE CREDIT REPORTING! Or all can and will be sued in state and federal court!
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

I was attacked by a XXXX  in the parking lot during my stay at XXXX XXXX. I stayed there from XXXX. This happened XXXX I stayed the duration of my stay but was billed two separate transactions. I filed a claim with my bank, chase to get my money back and both claims were processed and suddenly now I got a reversal on the first one! But not the second one!
Consumer complaint received 2023-02-05
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. (TX)

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX 

XXXX. XXXX XXXX XXXX  VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions.

I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2023-02-05
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. (MN)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 US. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? I have attached some documents that you can clearly see what I'm talking about. incorrect dates and amounts.

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure. 
ACCOUNT NAME ACCOUNT NAME XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2017-05-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Student loan through  Navient was originated ( under   XXXX   XXXX   ) on   XXXX / XXXX / XXXX  in the aggregate amount of {$43000.00} with a fixed 6.5 % interest rate. I had financial issues early on and went through periods of forbearance, etc. which I understand would capitalize interest and increase the balance of the loan.     In roughly late  XXXX  I was past due, and contact ed (   XXXX   XXXX   )  the provider at the time. Spoke with a Rep, brought my account to date and was placed on a graduated payment plan which I was pleased with.     I have been paying {$300.00} per mon th (  {$290.00} due ) on time each month since that time. I have recently discovered that my balance is now over {$54000.00}. When I researched my account online I found that no monies were applied to my principal, all to interest, and late fees have been charged each month even though payments were not late. The last time I had payment applied to my principal was  XXXX / XXXX / XXXX .     I contacted Navient today and was told that my monthly interest is {$280.00} based on my principal, which has been increasing based on the lack of payment going toward it. The gentleman could not explain the late fees or why my entire $   XXXX    monthly payments were all going to interest rather than the {$280.00} only.     I have attached my entire account history and proof of monthly payment and due date as supporting documentation. I was never informed that my " payment plan '' would only cover interest. Today I was told that I would need to pay {$470.00} monthly to cover payment on the principal as well.     I would appreciate investigation into this matter. Thank you for your assistance.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I

am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

In XXXX, I discovered an error on my XXXX credit report that was being reported by JP Morgan Chase Bank for a credit card I used to have with them ending in XXXX. The account was charged off as of XX/XX/XXXX and I later settled the account. I missed payments beginning in XX/XX/XXXX until the account became charged off in XX/XX/XXXX. The error I found on my XXXX report involves the payment history, which I have already disputed several times with XXXX directly. My report shows the account was XXXX days late in XX/XX/XXXX, then no data is reported for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After that, XXXX shows I was XXXX days late in XX/XX/XXXX then the account became charged off in XXXX of XXXX, which is XXXX months after it ACTUALLY became charged off. Because XXXX was of no help, I wrote to Chase directly on XX/XX/XXXX. Chase responded back on XX/XX/XXXX saying that they would remove the erroneous payment history from all credit reporting agencies. I have attached my original dispute letter and Chase 's response. As of today, Chase has not corrected my credit report and they have continued to verify inaccurate information to XXXX, as I have continued to dispute the account with the credit bureau in the meantime. All in all, Chase originally reported this inaccurate information, said they would correct it, and have not corrected it. Chase also has verified inaccurate information to XXXX on multiple occasions regarding the payment history for my account. As a results of Chase actions, my credit file looks like I became delinquent XXXX months further into the future than I actually was, which is damaging my credit rating and financial livelihood. In addition, Chase reporting of this information does not comply with Metro 2 reporting standards for accurate credit reporting. Chase has violated my legal rights and continues to damage my credit by not taking action.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

I had XXXX XXXX XXXX with XXXX XXXX. On XX/XX/2017, I noticed an errors on my payment history and has not yet be resolved. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.
Consumer complaint received 2023-02-05
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. (MA)

On XX/XX/XXXX I contacted TransUnion about the following negative accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2018-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MA)

XXXX XXXX XXXX  is reporting a {$190.00} bill on my credit report from XXXX. We have explained to this collection agency, that this service was covered and paid by our health insurance. However, they tell us that they refuse to investigate the matter, and the only thing we can do about it is pay them {$190.00}.
Consumer complaint received 2023-05-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Finance Company, Inc. (CO)

On XX/XX/2023, I received a letter and billing statement from XXXX XXXX, attorney representing Professional Finance Company, concerning an alleged medical debt with XXXX XXXX XXXX XXXX. Per the PFC statement, I was to pay XXXX or he and PFC intended to file " legal action '' to " collect the accounts identified ''. In reviewing the statement, the total amount included an 8 % interest rate. According to CO SB23-09, the Senate Bill `` caps the rate of interest on medical debt to 3 % per annum ''. I sent a dispute letter via certified mail on XX/XX/2023, to which a reply from PFC was received on XX/XX/2023 including a billing statement from the original creditor. Based on the statement from the original creditor, the amount of the alleged medical debt was XXXX with 0 % interest rate. As XXXX XXXX and PFC have clearly disregarded SB23-09 in their medical collection practices, I request the alleged medical debt be forgiven. Documents are included.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I had XXXX XXXX XXXX with XXXX XXXX. On XX/XX/2017, I noticed an errors on my payment history and has not yet be resolved. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mutual Management Services LLC (TX)

I have attempted multiple times to obtain debt validation and have received no response. Most recently i finally filed a report, which they closed saying they would finally comply with the law and attempt to validate the debt. 

This company in response to a previous cfpb complaint finally agreed to send the " validation '' which appears to be a typed up receipt on a XXXX document. This company should know the law! They must submit proof that this is my debt. I have not received any proof that this debt is mind and therefore demand that this company immediately cease and desist all collection activities and provide proof of the debt. 

Unfortunately this company has voilated the law already by not responding within the 30 days mandated by law. This is grounds for removal. I demand this company abide by federal law and remove this erroneous record from my credit report immediately!
Consumer complaint received 2019-05-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (CA)

A Collection in the amount of {$190.00} showed up on my credit a few years ago. I was never given any verification of the debt or notified by the debt collector that I had a right to dispute. I paid the collection in full and was told that the item would be removed from my credit report. I'm not even sure if the debt was mine, but could not surely deny it wasn't so I thought it best to pay them and make an agreement to have it removed from my report. This has been over a year and this is still showing on my credit report. They updated the negative remarks to include that the collection was paid in full, but they refuse to remove it from my report like they agreed to do when I paid them.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Duvera Billing Services, LLC (WI)

I have disputed inaccurate credit reporting several times. 

I disputed both via phone and dispute center portal : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Etc. 

I have information the credit reporting agency that a CLOSED account is being reported as OPEN & LATE and as a result re-damaging my credit. The account was reported as XXXX. I feel like the change in reporting status is due to me asking the debt collection department to verify the debt. Since they couldnt they began reporting it inaccurately to retaliate against me. If it was reported as Charged Off in XXXX how could is possibly now be considered XXXX in XXXX. Since the debt couldnt be validate it should have been deleted completely. I requested the original paperwork with my signature and had not received it. Etc. Help!
Consumer complaint received 2024-03-26
Product: Credit reporting 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)

I am writing to assert my rights as a consumer regarding inaccuracies on my credit report, which I believe violate provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 sections 602 and 604 ( a ), as well as the Fair Credit Billing Act ( FCBA ) under 15 USC 1666B. 

Per 15 USC 1681 section 602, I have the right to request the disclosure of my credit report and any information contained therein. Despite exercising this right, I have discovered inaccuracies on my credit report that are adversely impacting my creditworthiness and financial well-being. These inaccuracies were found in [ specify the items or accounts in question ]. 

Moreover, under 15 USC 1681 section 604 ( a ), I am entitled to accurate and complete reporting by consumer reporting agencies. However, the inaccurate information on my credit report provided by [ Name of Creditor/Collection Agency ] has not been rectified, despite my efforts to dispute the entries. This failure to ensure the accuracy of the information being reported has resulted in unjust consequences for me as a consumer. 

Furthermore, pursuant to 15 USC 1666B, I am entitled to fair and accurate billing practices. The erroneous reporting by [ Name of Creditor/Collection Agency ] has not only damaged my credit score but has also led to unwarranted financial repercussions due to the misinformation provided. 

I urge the Consumer Financial Protection Bureau to initiate an investigation into this matter and take appropriate action to enforce my rights under the FCRA and FCBA. Specifically, I request that [ Name of Creditor/Collection Agency ] be compelled to correct the inaccuracies on my credit report and refrain from further violations of federal consumer protection laws.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (FL)

I filed a dispute with my credit card issuer ( Chase Bank ) regarding an overseas transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and provided extensive documentation to support my dispute ( attached ). None of the information I provided was ever acknowledged by Chase. In fact, I was specifically informed in one conversation with a customer service representative that my documents would not have been reviewed before the initial dispute response memo from Chase ( in which I was informed that the merchant said the charge was valid ). I requested to reopen the dispute, provided more documentation and repeated my request to Chase to acknowledge review of my documentation. However, I was again informed by memo today ( XXXX XXXX ) that Chase determined my charges to be valid with no explanation provided in response to my specific documentation. 

My documentation is provided with this complaint.
Consumer complaint received 2023-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

On XX/XX/2023 at XXXX XXXX  I made a call to CMRE Financial Services, a debit collector. 
I made the call to advise them that I was not responsible for a collection notice of {$110.00} that was sent to me. 

The XXXX XXXX XXXX XXXX XXXX paid for all bills related to my XXXX XXXX. As all of my benefits state, the Veteran Responsibility is XXXX. 
Out of the hundreds of lines of bills for my XXXX, this has been my only bill that I have ever received. 

I explained this in detail, to the CMRE representative and she told me that I have no recourse other than dispute the bill. 
I asked her " does this mean I have to go to the FTC to get this straightened out? 

She immediately said I was threatening her by implying that I would go to the FTC, and abruptly ended the conversation. 

What shall I do? 
My credit report is important to me. 

Thank you.