davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: VIAL FOTHERINGHAM (OR)

I got a phone call from an ex girlfriend saying she was being garnished because I didnt pay my HOA dues. She sent me the name of the law firm that was trying to contact her and told me I was being charged daily interest on over {$5000.00} worth of hoa/lawyer fees. As I havent lived in that house this was news to me. So I called vial & f othering ham for two weeks. TWO WEEKS. I left voicemails, was sent to debt collectors who had full voicemails which made it impossible to leave XXXX  and left voicemails to the ones who werent full. I finally refused to get off the phone until I spoke to someone. She told me she was on vacation and asked if I had ever heard of it. I didnt even understand what was going on. They were charging me $ XXXX of dollars without me even knowing it. Without XXXX  my name to find my address. Or my email. Or my phone number which are all public. Or going to the dmv to find out which state I lived in. Anyway, the debt collector told me she didnt care that I was being charged daily interest while she was on a two week vacation. So I XXXX  the firm. Their reviews are littered with the same thing. They run up the amount of money people owe them without them knowing, and then they dont pick up the phone or call people back when they call in to make a payment. It seems highly illegal to be a debt collector whos responsibility it is to collect debt, and then not be available to collect the debt when people WANT to pay it. All while making interest daily. That seems like the best business in the world. Get a court order, collect interest daily, and never return their calls. Every day they were making money by not returning my calls or emails. All while adding insanely inflated {$400.00} charges and not giving my the ledger showing everything.
Consumer complaint received 2024-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (AL)

What is going on with Aidvantage/Fed Student Gov? I have two schools ( XXXX XXXX and XXXX XXXX  ) that are a part of XXXX XXXX XXXXXXXX, but Aidvantage/Fed Student Gov only forgave the recent XXXX XXXX XXXX XXXX balanced loans that were consolidated. Both XXXX XXXX XXXX and XXXX XXXX XXXX loans are a part of the consolidated loans ( loans 3-5 ) that should have been forgiven, but were not. My forgiveness had been in progress for about a year until I recently inquired and was told that loans with a XXXX balance ( loans 1-7 ) were forgiven as of XX/XX/2023. This is unacceptable and is a violation of the XXXX XXXX XXXX settlement. All XXXX XXXX XXXX and XXXX XXXX XXXX loans should be forgiven and must be deleted from the consolidated balances. My XXXX XXXX XXXX  student loan forgiveness was not evaluated properly nor timely.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

My problem is with Equifax, I have been trying to resolve this over a year now and they are saying they are fixing it but haven't and now it is effecting me purchasing a home. My middle name is incorrect and I have sent information they have requested to update it and they still haven't! I have called several times as well! So because my name is spelled wrong, I can't be identified, and because I can't be identified, I can't populate an accurate credit report. In order to get my credit score I have to call them or have them send me a current report which is very very inconvenient.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX XXXXo check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$970.00}
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (MD)

I'm trying to use my Barclays XXXX XXXX with a merchant. I've literally tried making a purchase XXXX dozen times. When I talk to the merchant they say its the credit card company that is the problem. When I call XXXX XXXX 4 times now, including the most recent attempt where I talked to a very nice supervisor ) they say its the merchant. Something needs to be fixed and I'm coming to you, CFPB, because in past experiences I know that these complaints get elevated to a level where I get the attention of someone who has the visibility to cross the many Bank divisions to solve problems. I'm simply trying to use Barclays more. And actually make a purchase at a vendor who accepts XXXX. That's all.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting Act. The bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I asked Experian to reinvestigate the bankruptcy they are reporting .However, they stated everything was verified and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information. I have also attached the letter from Experian stating they verified the bankruptcy with the court ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-03-20
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. (MO)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$4000.00} Bankruptcy XXXX  XXXX Discharged Date Filed XX/XX/year> Docket Identifier XXXX XXXX XXXX  Original Creditor XXXX XXXX Balance {$3500.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX Original Creditor XXXX XXXX Balance {$890.00} XXXX Original Creditor XXXX XXXX XXXX XXXX  Balance {$620.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$610.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance {$560.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$110.00} .
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (GA)

when I change XXXXXXXX XXXX XXXX XXXX to XXXXXXXX XXXX XXXX, XXXX representative said there are no annual fee. 
but suddenly they charged {$29.00} on XX/XX/2021. I thought that is simple mistake because chase advertised XXXXXXXX XXXX XXXX as no annual fee. 
but representative couldnt explain the reason just keep saying there are annual fee that card. 
seems like they dont know reason either.
Consumer complaint received 2021-01-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

These few accounts I've sent have been affecting my credit profile and costing me thousands of dollars interest that I cant get back, and it's been embarrassing. It's already stressful during these times of covid, and I dont think I should be penalized for it. This has been due to a data breach which I have documents that show I was a victim. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, to my knowledge I do not recall any of these accounts, or have I applied for them. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. According to Section 15 US Code 1992 ( e ) if It's false and misleading, It has to be removed, because it got in the hands of the wrong person. Again, I was impacted by a Data Breach.
Consumer complaint received 2021-01-06
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. (TX)

THERE IS AN OBVIOUS PROBLEM WITH THE REPORTED HISTORY FOR THE ACCOUNT THAT IS BEING DISPUTED AND IT NEEDS TO BE CORRECTED ACCORDING TO THE LAWS THAT ARE IN PLACE TO PROTECT ME FROM NEGATIVE REPORTING HISTORY AND INFORMATION THAT IS NOT ACCURATE. 
Prove alleged derogatory reporting claim of LATE PAYMENTS is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (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. 


Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX has violated my rights XXXX Or list of inquiries 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 2023-07-14
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. (FL)

I submitted a letter to the Credit Bureaus to correct 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
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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. (AL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 : 1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX Account # XXXX 3 ) XXXX XXXX XXXX Account # XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 6 XXXX XXXX XXXX XXXX XXXX  # XXXX 7 XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 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 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (WA)

I get robo calls from the Marriott group 2-3 times a day. Im registered in the do not call plus Ive blocked each number that calls me but they use so many numbers its impossible and a complete nuisance and they should be fined.
Consumer complaint received 2024-03-20
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. (MO)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; MO CHILD SUPPORT DIVI XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$30000.00} ; XXXX XXXX XXXX XXXX Balance : {$1.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX  XXXX Discharged Date Filed XX/XX/2015 Docket Identifier XXXX.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MN)

This complaint pertains to XXXX XXXX 's Visa Card program. I received an email stated I would be automatically enrolled in e-statements on XX/XX/XXXX. I would have to go out of my way, log in, and opt out in order to continue receiving paper statements. I was asked when I opened my account, if I wanted to enroll in e-statements or not and I said no then. I think it is ridiculous that I now have to go in and opt out of something that I already told the company I do not want to enroll in. The CFPB 's official interpretation of 1026.5 ( a ) ( 1 ) ( ii ) ( A ) states that only disclosures that need not be provided in writing can be provided in electronic form or if THE CONSUMER requests the service in electronic form. Periodic statements ( XXXX ) don't even fall into disclosures that need not be provided in writing and would therefore require my consent BEFORE providing me with e-statements.
Consumer complaint received 2019-09-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (CA)

AD ASTRA representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2014 amt {$310.00}
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (AZ)

After disputing an account that it is not mine with Comenity Bank, Comenity Bank came back stating that they have validated the account and they are stating that their records indicate that an Express account was open on XX/XX/2022 under my name with a Balance of {$390.00}. The problem is that I have never open an account either with Comenity Bank or EXPRESS, if this account was open under my name I did not authorized or purchased anything using this account. They did send me the statements showing that the account exists, with this I know that someone that is not me open this account. I am demanding a further and more deeper investigation as to how the account was open, who sign, or anything else they do to prove it was me who open this account. In the meantime they are reporting late payments on my credit report that is affecting me with some financial transactions I was going to do. 
I have started a Police investigation and have also reported a Identity Theft at the Federal Trade Commission.
Consumer complaint received 2023-02-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc. ()

XXXX XXXX XXXX XXXX ( XXXX XXXX performed XXXX on my wife in XX/XX/XXXX. We paid cash for the outstanding amount on the day of XXXX. On XX/XX/XXXX, I received a bill from XXXX stating that we still owned {$230.00}. This amount was paid on XX/XX/XXXX and I have proof of this from my bank- they cashed the check. I got a letter on XX/XX/XXXX from Credit Systems International on behalf of XXXX for another {$150.00}. I called the collection company who said that they received the {$230.00}, but there was still the outstanding amount of {$150.00}. So, XXXX never communicated with us- they went straight to a debt collection company which is really inappropriate and insulting because it implies that we refused to pay.
Consumer complaint received 2023-03-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP (NJ)

we just have this debt, after our bankruptcy. and this was only c/o under our name. we are not responsible for these, they keep on sending these letter to us and made so stressful. we dont have to settle this. and that american honda they sent letter to us that theyve been sold the vehicle. if they sold it, why do they have to collect on us. its our ex friend who owned it from them. but they relocated and theres no way to get in touch with them. we are victims only. please help us to stop collecting & charging us for debts that was not literally belongs to us. We are victims.