davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

YXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYou have lived at this address XXXX / XXXX  Update Details about the identity theft Theft Incident : Other Identity Theft With what company or organization did the identity thief pretend to be you? Name of an organization representative that you spoke to : Organization 's phone number : Organization 's email address : When did you first notice the problem? If you know, estimate any fraudulent charges.0Account number : Update Add a Theft Details about the person that used your identity First name : Middle name : Last name : Company name ( if applicable ) XXXX Street address ( including apartment info ) : Country : UNITED STATESCity : State : Zip code : Phone number : Email address : Relationship : How did the suspect get your information? 
Do you have any additional information about the suspect? 
Update Additional Information Have you reviewed a copy of your credit report? 
Yes Was any personal information wrong in your credit report? 
When you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have you contacted your local police department? 
NoPolice department : State : Have you requested a fraud alert from one of the three national bureaus ( XXXX, Experian, XXXX )? 
No Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services. 
No I have received data breach notices from the following companies : Has a debt collector contacted you about an account that isn't yours? 
No Were there any fraudulent accounts included in your credit report? 
Yes Update Comments about your situation Personal Statement : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Update
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

I have had a line of credit dating back to XXXX and I was born on XX/XX/XXXX Ive tried boosting my credit score and even called you guys twice a year to check on the Id theft file I created and all I got back was its under investigation each time.
Consumer complaint received 2019-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/19 I went into a TJ Maxx store in XXXX XXXX, CA. While checking out, the cashier told me I could " upgrade '' my current TJX store card to the MasterCard version and she'd give me 10 % off. I confirmed with her this would NOT be a new account. She let me know it would be an upgrade to my existing card so I agreed. Turns out this was exactly the opposite. When I called customer service, they informed me a new card was opened and they can not merge the accounts. I said fine, please close the new account opened and they said they would. On XX/XX/19 I received a letter that there was no evidence finding any issues with the new account and the card would remain open. Completely absurd. TJ Maxx needs to train their staff both in store and through the customer service line. I now have a card open that I do not want and was tricked into opening.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-12-19
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-05-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC (NC)

I spoke with a representative around XXXX and asked that they only contact me via mail with the address they have on file for me. I have blocked the number they were previously calling me from and they continue to call me from Unknown numbers. The most recent voicemail I have from them is dated XX/XX/2022 from XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion, XXXX and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX. 

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

XXXX XXXX XXXX
Consumer complaint received 2017-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (SC)

I totalled my car XXXX XXXX, XXXX. I was reimbersed by my insurance company XXXX XXXX. At that time, I was told by the insurance adjustor the remaining loan amount would also be paid off. It WAS. I received a letter from JP Morgan Bank that they had provided Chase Auto XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( c/o XXXX XXXX XXXX ) of receipt of payment and that it had been forwarded. XXXX XXXX considered it a late payment and obviously reported it immediately after due date to all Credit Report Companies. Record will show that from XXXX XXXX to XXXX XXXX the car payment was drafted on time. This was catorgorized as History of Late Payment on my XXXX Credit Report. An email ALERT advised me of the occurrence that lowered my credit rating. I was never notified by Chase Auto of their concern of a late payment. Do not hesitate to request more infomation.
Consumer complaint received 2017-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I got notification today as of XX/XX/XXXX that my grace period for my college loans was over. During the years of XX/XX/XXXX-XX/XX/XXXX, I was in XXXX school and had a grace period to defer my loans for XXXX. However, since my school has updated just recently that I am no longer a XXXX  student. Navient decides to let me know that I have a payment due in 4 days XX/XX/XXXX. <P/>Navient did not let me know at least a month of advance to make a payment. I can not afford that payment since I was just given a 4-day notice. My next payment is due on XX/XX/XXXX. <P/>They just let me know as of now the change of loans has been changed which is XX/XX/XXXX ( today ). My complaint is that Navient should have better timing to notify their customers of payments at least in two weeks or a month advance so that I could make a payment or try different options if I can not make the payments. <P/>I hope you can assist me with this matter. I 've my emails to show as proof. I contacted customer representative this morning on my way to work, who did n't quite understand why I called to let Navient know pursue better business practices of letting the customer know the payments. She was not as helpful ; it seemed she needed to wake up get a grab a coffee. She told me my options, but I could barely understand her since she was mumbling. Maybe she needed to grab a cup of coffee. <P/>In conclusion, I reached out to Navient, who do n't understand what the issue is. The issue is the timing and notification of payment less than four days!!!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile below. 
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified with out the original document supporting the verified account. 

It is also my understanding that under the FRCA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely Deleted. 

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise NOT PROVEN COMPLIANT to regulatory Federal reporting laws and or standards and MUST be removed immediately the infractions are as follows : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA USC1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA USC1681 XXXX XXXX XXXX XXXX XXXX XXXX FRCA USC1681 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FRCA USC1681 XXXX XXXX Violation : FRCA USC1681 By the provisions of the FRCA ACT and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 Compliance regulations, I demand thatches above mentioned derogatory items be investigated and permanently REMOVED FROM CREDIT REPORT. 

Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience.
Consumer complaint received 2023-02-06
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. (CA)

I sent a letter on last XXXX XXXX to remove these items that are 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 4 business days after the XXXX XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-19
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: Experian Information Solutions Inc. (FL)

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 corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc. (GA)

XXXX XXXX XXXX XXXX IS REPORTING THIS MEDICAL DEBT IN THE AMONT OF XXXX SHOWING OPENED WITH DIFFERENT DATES. THE LATEST IS DATE OPEN ON XXXX XXXX. XX/XX/XXXX. THEY FIRST REPORT IT AS DEBT COLLECTION WITH AN OPEN DATE OF XX/XX/XXXX. I HAVE TRIED TO EXPLAIN THAT THIS WAS A DISASTER SITUATION WHEN THE PANDEMIC HIT XXXX I WAS XXXX IN THE HOSPITAL WITH XXXX WHICH BY THE WAY WASS THE WORST EXPERIENCE OF MY LIFE AND ALL THESE BILLS WERE SUPPOSED TO BE COVERED BY THE HEALTH INSURANCE I HAD AT THAT TIME. I HAVE REPORTED AND DISPUTED IT WITH THE CREDIT BURRUE BUT THIS ACENCY KEEPS REPORTING TO 3 CREDIT BURRUE AS WELL. THIS WAS DECLARED A FEDERAL DISASTER. I HAVE TRIED TO HAVE IT REMOVED FROM MY CREDIT REPORTS AND HAS BEEN UNSUCCESSFUL. I DON'T KNOW WHAT ELSE I NEED TO DO TO HAVE THIS REMOVED AND STOP IT FROM RUINING MY CREDIT.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2022-05-26
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (LA)

My previous mortgage loan was with PHH Mortgage. My last payment with PHH Mortgage was XXXX XXXX. 
From XX/XX/XXXX to XX/XX/XXXX : I was on a Hardship Assistance Plan due to Hurricane IDA. I was told by PHH Mortgage Rep the late payments would not affect my credit. 
XX/XX/XXXX : my home went on the market to be sold. PHH Mortgage Rep to me I did not have to pay the mortgage because I was in the process of selling the home with potential buyers. 
XX/XX/XXXX : PHH Mortgage sold my loan to XXXX another mortgage servicing company. PHH Rep assured me all info regarding my hardship and home selling would be transferred to XXXX, which never happened according to XXXX. 
XXXX, XXXX : My home was sold and loan paid in full. 
Currently the Credit Bureau is getting reports of late payments from XXXX XX/XX/XXXX the months of my hardship and XX/XX/XXXX the month I sold the home. 
I tried to send in a dispute to PHH Mortgage but getting the run around or wrong info to reach anyone. XXXX told me it was an PHH Mortgage issue This error has damaged my credit significantly. Please help resolve this issue with both companies. 
Thanking you in Advance, XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

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, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account nameXXXX, Account name : XXXX, Account name : XXXX, Account name : 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 2017-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

Having been an account holder with DISCOVER Bank now for XXXX years, holding both a high interest savings and a Cashback Checking account, I have had several issues revolving around withdrawals and deposits. The most recent issue commenced on XXXX XXXX, XXXX, when I attempted to purchase a ride using ride-sharing service XXXX, around XXXX PST. The transaction was declined, and I immediately phoned in to inquire as to why. The representative erroneously informed me that it was XXXX who had blocked the transaction, as I stood on the side of a road attempting to get a ride home from a holiday party. After using another card with limited funds, I returned home, only to have the issue of blocked transactions recur the following ( XXXX/XXXX/XXXX ) day several times when attempting to order groceries via XXXX and purchase items at a popular clothier, XXXX. 

Since XXXX XXXX, XXXX, I have had nearly every single transaction attempted blocked by DISCOVER Bank, forcing me to call in each time and sit on the phone with often inept and confused agents, for 45 minutes - 1 hour each call. I have escalated this matter to managers, supervisors and now XXXX 's Executive Offices. DISCOVER Bank 's Executive Offices agent XXXX ( supposedly on behalf of DISCOVER Executives ) claims that they can not circumvent " system decisions '', telling me that I have no other choice but to call in after each and every blocked transaction to have a manual approval of each transaction ; this is extremely time consuming and absolutely unacceptable. To reiterate, since the first decline on XXXX XXXX, XXXX, nearly all of my transactions ( between 10-15 total ) have been blocked by DISCOVER, regardless of the merchant, rendering my checking account effectively useless and blocking me from utilizing my funds when I need them most. 

Please note, that while I certainly understand fraud measures and the need to protect the consumer and the Bank, the number of times in just a span of four days that DISCOVER Bank has blocked my debit card transactions has been grossly excessive and beyond unacceptable. The Executive Offices staff was regrettably of no assistance, stating simply that I have no options other than to " deal with '' the situation until the system recognizes my spending patterns -- I find this to be both unethical and unprofessional to the highest degree. I am a consumer who should be able to utilize their checking account without the constant need to phone in, hold for nearly an hour, deal with inept customer care agents, only to have the situation recur sometimes hours later. To note specifics, I have had multiple transactions blocked on the following dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ; this is grossly excessive and unacceptable, and I am requesting immediate resolution to this matter.