davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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. (MI)

In Accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights privacy and confidentiality under 15 USC 1681 XXXX XXXX : Act # XXXX XXXX XXXX  and XXXX  Act # XXXX XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX XXXX XXXXXXXX XXXX  ( Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX  ) aCT # XXXX 15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy 15 U.S.C 1681 SECTION 604 A. 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 conviction 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 reporting agency if person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-01-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KeyBridge Medical Revenue Management (OH)

HAD A MEDICAL BILL THAT WAS PUT TO COLLECTIONS AND WAS PAID SHORLY AFTER, ASKED COMPANY TO REMOVE DEBT FROM CREDIT REPORT, THEY TOLD ME THEY CANT DO THAT THEY JUST REPORT ON WHAT IS OWED, MORE THAN 4 MONTHS HAVE PASSED AND DEBT IS STILL SHOWING ON MY CREDIT REPORT AS OWED, COMPANY STILL FAILS TO REPORT THAT DEBT IS PAID. I CONTACTED MY REPORTING COMPANY AND THEY SAID I NEED TO GET THE COMPANY REPORTING THE DEBT TO REPORT THAT IT IS PAID
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the credit Reporting act XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States i have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Acceptance Corporation (CA)

Hello, Im contacting you about the company M. Leonard & Associates XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX. They are inaccurately reporting information to the credit bureaus. They are continuously and unlawfully re-aging this account and adding unrealistic fees that is showing up on my credit report. 

This is deemed as derogatory and ILLEGAL!! They have NOT sent me any information whatsoever that they are not licensed to collect in the State Of California. They have not validated this debt with me with no signatures on any letters.

It is illegal for debt collectors to re-age credit accounts. Re-aging is a very serious violation of the Fair Credit Reporting Act. They have violated my rights as a consumer and I am requesting this be removed from ALL 3-credit bureaus.
Consumer complaint received 2019-12-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arete Financial Group (NC)

Arete Financial Freedom ( Debt Pay Gateway ) had agreed to pay our credit card debt and take out a monthly payment plan to pay our creditors back. All was good until the debt had all been paid back and the company keeps taking money out of our account. We have fully paid Arete back ALL the money for our debt and a settlement was made on all our accounts and paid FULLY on XX/XX/XXXX. 

We have made a lot of phone calls to the company, there is never an answer and we have left a message every time we have called. NO ONE calls us back. I have even sent an email message through their online portal requesting the money back, again, no answer. 

Money was taken out after final payment again on : XX/XX/XXXX for {$670.00} ( monthly payment they owed us back for over payment ) XX/XX/XXXX for {$25000.00} ( which was to pay the debt-amount above should not have been taken and they agreed to give it back to us ) XX/XX/XXXX for {$670.00} - monthly payment that should NOT have been taken out because debt had been fully settled and paid. 

I have documents showing on their online portal that our account holds a positive balance of {$1200.00}, which is the amount they OWE us. It looks as though their is an FTC Restraining Order on the Company as of XX/XX/XXXX. PLEASE help us get our money back!
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

I paid for an XXXX  XXXX with my Navy Federal Credit Union Debit card and the say was not what I paid for, the room was dirty upon receipt, the pictures did not match what was received, the host was unresponsive I explained this to navy federal credit union, and they refused the dispute. This is unfair and I want my money back i Paid for a product service I did not get at all from XXXX XXXX XXXX XXXX this dispute was done with navy federal cu and they gave an initial credit and then they took it back stating i did not send in proof of my claim and I did pictures of how dirty and filthy the room was and how the host just quit responding i did dispute with XXXX XXXX XXXX was told I may not have a refund because the sorry host refused it? how? I paid for something i did not get and while we did stay the one night it was the only option as my money was already spent on this place for the night attached is my receipt.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB Staff, Transunion has failed to remove an erroneous Alert from my address ( XXXX XXXX XXXX XXXX Fl, XXXX ) on my Credit Report stating it is " temporary '' and not residential. 

My address ( XXXX XXXX XXXX XXXX Fl, XXXX ) is my family 's house which I have lived in for over 10 Years. 

I sent Transunion the documentation they requested early this year ( 2019 ), and they failed to fix the problem. 

I just got off the phone with a Transunion at around XXXX on XX/XX/2019. The Transunion Representative lied and did not know what he was doing! First he stated the problem was that the bank statement was not recent. I asked him " Was it recent when I was told to and sent it in? ". The Transunion staff member Transunion is poorly training to help us American Citizens with our crucial life determining credit files then immediately " Oh. The problem is the license scan is not readable. ". Not only was that a pathetic lie that contradicted his own previous sentence, but I made certain the license was legible. Us American Citizens ' welling being is at risk due to Transunion 's carelessness! 

I am included updated scans in this complaint.
Consumer complaint received 2023-02-27
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. (TX)

XXXX XXXX, XXXX XXXX and XXXX, are reporting accounts that I did not open or authorize and have filed an FTC for and submitted to each credit bureau and yet they are still reporting these accounts. According to the law these accounts were supposed to be deleted from my reports within 7 days of the credit bureaus receiving my FTC report. I have not received any documents from XXXX XXXX, XXXX or XXXX XXXX or any of the consumer reporting agencies regarding these accounts with sufficient proof this debt belongs to me. These accounts are also reporting multiple inaccuracies which is illegal. It is my right as a consumer to obtain all documents pertaining to accounts on my reports at my request. It is the responsibility of all consumer reporting agencies to properly investigate disputes and ensure they are reporting accurate information on a consumers reports. I am demanding that these accounts are deleted from my credit reports!
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Credit Repair Info Police Report Hello as of XX/XX/2021 I've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : Experian, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. I have notified : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. This incident happened XXXX at my previous home. My truck was parked at when it was broken into. To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-22
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)

In XX/XX/XXXX I refinanced my student loan debt with Navient ; at first the total payment each month was reasonable. However, after updating my account ~ 6 months after my loan closed to add direct debit, they increased my interest rate. At the time, I was very young and despite multiple calls to refute the increase citing that the only thing that changed was adding a direct debit which was, in fact, a bonus for them, they refused to change the rate. Now, ~10 years later, after actively reading up on on predatory practices performed by these vendors I realize I was a victim. My goal in reporting this complaint is simple - I want the original rate honored and the over payment Navient has received in error to be applied to my account. I am lucky enough to be able to pay for my loans each month ; I am disputing that. However, I grew up in extreme poverty and loan debt was the only way for me to achieve my college dreams. I had no financial support and no guidance and was taken advantage of by this company. Now as an adult, I am outraged. In the grand scheme of things my issue is not as egregious as some cases I have read about, but it was unethical and predatory and should be addressed. 
I currently owe {$30000.00} on a {$50000.00} loan -- they have received over $ 20K in principle to date. I have been paying on the loan since XX/XX/XXXX. I did take a grievance period in XX/XX/XXXX-XX/XX/XXXX due to a high expense for dental work that I could not afford and was not covered by insurance due to the problems typically being addressed in adolescence. I hope you can help me. Thank you.
Consumer complaint received 2024-03-15
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. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Harmon Law Offices, P.C. (MA)

This business is the foreclosing representing law firm for XXXX XXXX XXXX Bank, NA and presently about to illegally foreclose on my home advertising in my local newspaper XXXX XXXX XXXX today or tomorrow, with false information. Please see attachment showing document expert proving that there aren't any Negotiable Mortgage And Promissory Note documents to legally foreclose on but are moving ahead anyway. This must be Stopped! 
Please also see the notice of foreclosure using wrongful illegal information slandering me publically and deformation of character etc ... BOTH THE PROMISSORY NOTE AND MORTGAGE ORIGINALS ARE NOT NEGOTIABLE!!!
Consumer complaint received 2023-02-27
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. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account number XXXX Date : XXXX, XXXX Amount : {$22000.00}, Account number XXXX Date : XXXX XXXX Amount : {$3000.00}, Account number XXXX Date : XX/XX/XXXX Amount : {$2400.00}, Account number : XXXX Date : XXXX Amount {$2100.00}, 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2023-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had not been used my credit card and had a credit balance in late XXXX. I asked for a credit balance refund and check was issued on XX/XX/29 for {$120.00}. Check # XXXX. I never received the check and called many times and was told check would be reissued or balance would be adjusted to reflect the {$120.00} credit adjustment, but nothing has happened.
Consumer complaint received 2022-09-12
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. (VA)

Received multiple emails from my credit card and credit secure affiliates stating that XXXX did a report inquiry on XX/XX/XXXX, XXXXwhen it was not authorized by me. 
I call XXXX and they could not find anything on me using my social security number. I call Transunion who posted it and they had a recorded request by XXXX on XX/XX/2022. I was instructed to reported to the FTC.
Consumer complaint received 2023-02-27
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. (TN)

I have for over a year battled credit reporting agency 's and XXXX XXXX for several accounts i did not open. i have provided police reports as well as identity theft affidavits to all 3 credit reporting agency 's as well as the creditors. I started with 8 accounts which there ae still 2 which I've not been able to clear my name. these would be XXXX  and XXXX both by XXXX XXXX. i dont know what else i could provide them to help me clear my name of these accounts i really need your help to resolve this issue as I'm mentally drained and depressed over the issue.
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (OH)

THE FOLLOWING INQUIRES AND COLLECTIONS ARE REPORTING FRAUDULENTLY ON MY CREDIT REPORT FROM XXXX, XXXX, EXPERIAN AND OTHER THIRD PARTY CREDIT REPORTING COMPANIES ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) {$1700.00} AMOUNT XX/XX/XXXX DATE XXXX ACCOUNT NUMBER XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXXXXXX  ) {$1000.00} AMOUNT XX/XX/XXXX XXXX ACCOUNT NUMBER
Consumer complaint received 2023-11-27
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. (NJ)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance to Fair Credit Reporting Act, the following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-27
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)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 2023-02-27
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have written letters to Experian, XXXX, and XXXX to delete this account that is older than 7 years on my credit report. They have been ignoring my requests. So I sent a letter directly to XXXX XXXX, pretty much asking them to stop reporting an account that is older than 7 years old because that is against the law. Instead of deleting it, they sent me a contract as their " proof '' of reporting. But what good is providing proof of a contract when the contract clearly says XXXX on the header of the paperwork ( attached ). It is XXXX! Also, XXXX is not reporting because they are aware that it is past the 7 years statute for reporting time. Delete the account with XXXX XXXX ( Account # XXXX )