davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-30
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. (IL)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly. My information was also impacted by the equitax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (SC)

I was notified on XX/XX/XXXX by my credit monitoring service that my credit score dropped XXXX points ( my score was XXXX ) due to a collection being added by Paragon Revenue. I called the collection agent ( XXXX XXXX and she stated the debt was for XXXX XXXX XXXX XXXX XXXX. I told her the exact date of my payment XX/XX/XXXX and she advised she could see the payment however she could not remove the debt. I requested proof of outstanding debt which she would not provide. I went to the atrium website and confirmed I have no balance due. I
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (CA)

I have placed a formal complaint with the CFPB in regards to Chase Mortgage. The complaint was made on or about XX/XX/2021. My request was to have my mortgage properly reported to the credit bureaus. Chase contacted me the next day stating that they complaint would be reviewed. I provided Chase with the documentation requested to get the credit report corrected. Then sent the information on the payments to the credit bureaus based on the recommendation of Chase Bank. A letter was mailed with the document requested to reaffirm the loan and the bank claimed that they did not obtain the document by mail. The steps after that I contacted Chase and submitted the reaffirmation via electronic upload. This was done three times and was advised that the documents were received but every time the bank was contacted a representative gave information that conflicted and has not been resolved. I have contacted the Bank over 7 times by phone and submitted 2 uploads to the secure message and sent four messages back. The bank is aware that I want to get my credit properly reported on the credit reports. The request has been delayed either on purpose or to unlawfully harm me as the actions have hurt my credit report. I am seeking that my credit report be corrected immediately. Chase does not want to update my loan as they are keeping me hostage with a lower credit score. I was advised that the reporting of the loan with a reaffirmation would resolve the matter and raise my score and allow me to qualify for lower rates. In the last month the interest rates have increased and the bank continues to not correct the issue. The bank is using their power to abuse the system and fraudulently not report my payment history.
Consumer complaint received 2022-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (NC)

Please if someone could look into my school loans ; I have made numerous attempts. Previously I was set up with a payment arrangement of 2 years and not either of the payments were ever applied to my school loans. This amount was drafted out of my bank account each month for 2 years.
Consumer complaint received 2022-01-30
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. (CA)

My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.
Consumer complaint received 2022-01-30
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: General Motors Financial Company, Inc. (NV)

I have a vehicle financed with GM Financial but I got several inquiries from GM Financial in my credit report and I authorized to have my credit pulled one time only. 
Please see the following hard pulls and credit inquiries in my credit report : XXXX XXXX  XXXX XXXX ) - XX/XX/XXXX GM FINANCIAL ( Finance ) - XX/XX/XXXX GMFINANCIAL ( Finance ) - XX/XX/XXXX GM FINANCIAL ( Finance ) - XX/XX/XXXX GM FINANCIAL ( Finance ) - XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weber & Associates, Inc. (CA)

XX/XX/XXXX : I received a letter from Weber & Associates, a debt collection agency, stating that a medical bill from an emergency room visit that I had on XX/XX/XXXX had been sent to them for collections and now owed {$890.00}. I had been trying to dispute this bill directly with the hospital and was still awaiting an itemized receipt from them, so I was surprised to receive a notice of collection already. At this time I was already in communication with the hospital itself. 

XX/XX/XXXX : XXXX XXXX, an employee of Weber & Associates, contacted me over the phone about this supposed debt. I let him know that I was currently disputing it with the hospital and also asked him to explain why I had been sent to collections. Upon learning that I was in the process of disputing the bill, he asked me to send a letter to formally inform Weber & Associates that I was doing this. I told him I understood this and said to expect a letter from me. After this call, I drafted a letter formally asking Weber & Associates to validate this debt and pause all debt collection during this period. I sent this letter through certified mail. 

XX/XX/XXXX : According to the USPS Certified Mail Tracking number, my letter was picked up at the post office. 

XX/XX/XXXX : This is the date of the next communication ( letter ) that I received from Weber & Associates. In this letter, they claimed that I did not dispute the validity of the debt, even though they received my letter clearly stating that I was disputing it. The letter also specified that because of interest, I now owed {$900.00}.
Consumer complaint received 2023-07-20
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. (GA)

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 2022-01-30
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. (OK)

I XXXX XXXX is submitting this dispute on my own behalf because I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-04-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Reciving calls from XXXX, a company stating they are collecting a debt on behalf of MBNA. A credit card I paid and closed 15 years ago. MBNA is no longer in business and is not reported on my credit report.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to you with a sense of urgency and frustration regarding the fraudulent accounts that continue to tarnish my credit report. It has come to my attention that despite previous correspondence and my repeated demands, these fraudulent accounts persist on my credit report. This flagrant disregard for my rights as a consumer is absolutely unacceptable and requires immediate rectification. XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

The debt collector XXXX XXXX XXXX, reports two collections as open, loan account types with the balances and past due amounts of {$2000.00} and {$2200.00}. I disputed the accounts online XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I disputed the inaccuracies with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX XXXX by certified USPS mail XX/XX/XXXX XX/XX/XXXX. I requested validation of the alleged loan they contacted my mother about. I responded I asked the debt collector to cease and desist because they could not validate the request for complete or accurate information after 45 days. XXXX XXXX XXXX continued to update all of my credit reports with the two loan balances beginning from XX/XX/XXXX to all credit reporting agencies saying the consumer disagreed. During the dispute the items were not removed. on XX/XX/XXXX, and every month the same inaccurate unverified information is updated. Each dispute I submit has came back verified. XXXX deleted the account approximately XX/XX/XXXX.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-13
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I'm writing to ask for the removal of late dates on disputed items from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/2005.
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service (CA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-01-30
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. (NY)

This allege account was disputed with allege original creditor XXXX XXXX and Equifax and they both failed to show how this allege debt was validated. I sent letter disputing this allege account requesting all documents and contracts XXXX has on file giving them authorization to report this account to my Equifax credit profile and no documentation was provided. I never received a response AT ALL. It is my rights under the fair debt collection practice act title 15 usc 1692 ( g ) to verify and make sure all item reporting to my credit profile are reported accurately and in fairness. XXXX XXXX and Equifax have both failed to validate this allege debt and I demand this account to be deleted from my EQUIFAX credit profile. A copy of this dispute will be forwarded to XXXX, IRS, and the US ATTORNEY GENERAL office for review.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (KY)

On XX/XX/2022 I received some letters regarding some inquiries with citi group, AXXXX XXXX, and Macy 's, which I have no idea where these inquiries derived from because I did not apply for them.
Consumer complaint received 2019-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have recently disputed this that with XXXX XXXX and I received a response from their company stating that they will notify all three credit bureaus for deletion of this account on XX/XX/2019. As of today XX/XX/XXXX I contacted your company for an update and this account has not been removed. I am attaching proof of request for deletion letter from XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (SC)

I have repeatedly informed them that I am permanently XXXX and ca n't repay this loan to no avail. This has been going on for years. I tried to pay early on, but could n't manage it. I 'm in repeated forbearance for this reason. This has been going on for years.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased a car online from XXXX XXXX in XXXX XXXX Florida. I was given a price that was listed online for XXXX in the end. I had to sign all paperwork in front of a notary as the buyer and then I had a co signer who also needed to sign. He was in a different state at the time. They sent us two different XXXX XXXX to have signed on XX/XX/2023. It was sent to back to them with in a few days. I received the car by a delivery company which I paid for. It was in such bad condition and I was not able to put Gas in the gas in the car because something was broken. The dealership knew this because the car was on empty. I sent them a video right away the same day. I wanted to cancel the contract and send the car back. They said I could not do it because the funding has been finished. I called Capital One and they told me it was a dealer problem. Now... I see Capital One sent me a copy of the buyers order dated XX/XX/XXXX. THis was not my signature or the co signer signature. We did not even get the paperwork by this date. This is fraud. Our paperwork has notarized stamps with our signatures and dated different dates. So this contract I have with Capital One is not legal. The XXXX XXXX committed fraud. I want the contract cancelled. I have been dealing with the dealership since the day I got the car and they have done nothing and have refused to send me the paperwork that I signed. I am attaching the XXXX XXXX document which is fraud. I also never agreed to many of these extra fees. The etching and warranty fees. The dealer fees or signed the last papers attached they sent showing the car was in an accident.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

This is my SECOND time contacting you about incorrect inquiries showing up on my credit report. I previously sent you a request to investigate those inquiries, and your conclusion was to contact the creditor directly. As I stated in my previous letter to Equifax, I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file.

I have heard of this happening before, where a company pulls someone's credit WITHOUT permissible purpose - and as you know, it is a violation of Section 604 of the Fair Credit Reporting Act, 15 U.S. Code 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries ( from Equifax OR the creditors ). So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY or provide me proof of permissible purpose. Once again, let me be clear that I have already contacted every company listed and most do not even have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and perform a COMPLETE investigation in regards to the above listed inquiries.