davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capio Partners, LLC (LA)

I attempted to verify an incorrect debt on my credit report. On XX/XX/22, I sent a debt validation letter by mail to Capio Partners located at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. On XX/XX/22, this company sent me a response stating that they did not have sufficient time to complete their investigation. Then, on XX/XX/22, I received another letter stating that the original creditor sold this debt to XXXX XXXX XXXX, and then XXXX XXXX sold this debt to Capio Partners. Also, enclosed was a " statement of account ''. This statement was NOT a letter from the original medical provider. There is also very specific and personal diagnosis and treatment information included on this " statement of account ''. According to the Department of Health and Human Services, if debt to a medical facility goes unpaid, the facility has the right to take measures to collect the debt, including selling your personal information to a medical debt collector. The information that can be provided to the collector is limited to your name, address, social security number, birthday, payment history, and location and name of the facility you were treated in. While this seems like a lot of information, the medical facility CAN NOT disclose the nature of your treatment to the collector. By including these details, the medical collection ARE IN DIRECT VIOLATION OF HIPAA REGULATIONS and can face fines. I would like this debt to be removed immediately from all credit reporting agencies or I will have no choice but to seek legal action.
Consumer complaint received 2024-03-14
Product: Credit reporting 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. (FL)

credit inquiries on my credit report that i don't recognize, it wasn't authorized by me. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2022-05-24
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-24
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. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX office XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Resident XXXX Single XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$3500.00} written off. {$3500.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$9.00} XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$680.00} Status Account charged off. {$680.00} written off. {$680.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$200.00} Status Account charged off FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$22000.00} Status Open.
Consumer complaint received 2022-05-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

I was able to get my student loans discharged because of XXXX XXXX XXXX XXXX According to Navient my daughter, XXXX XXXX, ( the co-signer ) was not told of what she or the borrower ( XXXX XXXX XXXX ) could/should do to have the co-signer be released after the loan was discharged/or dismissed. The information was looked up on the web. 

1. I was given a XXXX XXXX  XXXX  XXXX status. ( XXXX ) 2. The loan was discharged due to a XXXX XXXX XXXX  XXXX status. 

3. Navient told me over the phone that they could not talk to me about getting the co-signer released because the person who signed must call them and I found out they were lying because the borrower is the only one who can apply to get the co-signer released, this was stated on Navient 's website.

4. I called Navient and was told the co-signer had to call them and that I had no obligation to the loan anymore and they could only talk to the co-signer. 

5. This was a loan that should have been discharged with the original discharge when I received the XXXX XXXX XXXX  XXXX  status. The loan was from XXXX.

6. I was notified by the IRS that I owed taxes on this loan {$4400.00} and, that is how I found out about it. 

7. This loan should have been placed with all the other loans that had been discharged but I did not know until the IRS wrote me about the taxes due. 

8 The IRS was paid the taxes in XXXX. 

9 The co-signer is being held responsible because I did not and she did not know about applying for the co-signer to be released. 

10. I was not making any payments on the loan that Navient is making her responsible for and the forms to apply do not address the co-signer release for a borrower 's loans that got discharged through a XXXX XXXX  XXXX  XXXX status. I, the borrower could not apply to have the co-signer released after the debt was discharged. The borrower and co-signer were never notified or told this information. 

Due to the debt being discharged for me, the borrower, Navient stated that I could not discuss the matter with them of getting the co-signer released because neither the borrower or co-signer knew anything about this debt until the IRS came into the picture. I could have helped the borrower by making some kind of payment over a certain amount of time. The co-signer has quite a bit of debt ( XXXX dollars ) of their own that they are trying to payoff. I am writing CFPB because if my debt was discharged, the money is no longer owed and I could have done something to try to help the co-signer get released. I was not able to obtain any original documentation from Navient about the loan, the amount of the loan or even who the original loan came from. I believe based on this information the co-signer needs to be released because neither the borrower or co-signer were informed that application could be made to have the co-signer released from the borrower 's loan. Can someone help with this issue? Please advise.
Consumer complaint received 2024-03-14
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. (WI)

In ordinance to the fair recording act, the creditors have violating my rights under 15 US C 16, 18 section 602 state I have the right to privacy. Also, 15 US C 16, 81 section 604A section 2, states a consumer reporting agency can not furnish an account without my written instruction, under 15 US C 1666 B accreditor may not treat a payment under a credit card account under an open consumer credit plan late for any purpose. 

I sent in to CFPB and was to receive a report which I have not. Also, saying that the only thing they corrected was my name but will not remove names they are not being use or are not mine at all. Address that have nothing to do with me at all that I can not receive mail at. Late payments and credit high limits that I did not give consent to be put in my report. Closed accounts that are more than two years old and collection account that is not in my name that was investigated on over 6 years ago and was removed sold by XXXX  to another company to place it back on my report.
Consumer complaint received 2022-05-24
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. (CA)

I have been disputing with Equifax since XXXX over then furnishing XXXX XXXX on my credit report. 

Equifax has violated 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Equifax has furnished misleading information that has caused extreme financial harm to my financial reputation, and has violated my consumer rights. 

Equifax is reporting on time payments on I printed my credit report on XXXX, and it shows a payment history of XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. 

Then I purchased another report on XXXX, and it shows a payment history of XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. 

My report says I'm late 120 days, but my past due amount is XXXX Account status is paid. Who paid it, how much did they did pay. 

All this information is inaccurate and needs to be removed immediately Who made payments to this account, if it was already paid to a XXXX balance. 

All this information is inaccurate, please remove immediately. 

Also, Equifax never responds to me inquiry with a written response. They claim they have, but they haven't. And if they have, where is the tracking number for proof. 

Please ask them to remove this account now
Consumer complaint received 2022-05-24
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. (NY)

I contacted this company by mail XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I requested VALIDATION of accounts but I keep having the response verified despite asking for Validation. A collection account with XXXX  by law I am allowed to see how this is validated. Being that the law states to be on a credit report as a debt the company must have proof of a contract with their letterhead plus my original signature to be valid. So can I ask this way to show me this proof? If not remove as the law states. 

I asked XXXX XXXX to be fixed being I was never late. All three times the information was changed, which now shows was a insurance claim? I have the merchandise in my living room, paid in full. This was never a claim, never was late and inaccurate in reporting. Please update this as never late and not a claim or remove Immediately. 

Please validate as I requested prior XXXX XXXX and XXXX bank. 

Please also provide me with information on the bankruptcy also reported being I called the courts to obtain proof to have this removed and was told that they by law can not report this information to credit agencies. So if that is the case, this is against the law being the courts did not report it. 

I also, which was ignored requested proof of how inquires were made. I called every company and they have no record of me and directed me back to you. I wrote requesting info or be removed to being IGNORED. Please answer who is XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. Please remove being I never authorized.
Consumer complaint received 2024-03-14
Product: Credit reporting 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)

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 2022-05-24
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 (TX)

I paid for a service in XXXX of XXXX. The service was supposed to be rendered in the spring of XXXX. I cancelled the shoot. The merchant first agreed to refund me then proceeded to block me on all social media platforms and failed to refund me. I opened a dispute. She then made a distasteful social media post about me that was later shared and then she went on to create some fictitious policy and provided that to my credit card company. They sided with her and refuse to reevaluate the facts of this case which I have outlined below. 


* I never signed or was made aware of a cancellation policy/terms/agreement or whatever the merchant has since generated and drafted once I opened a dispute. 
* XXXX laws state that when a contract is not signed, the parties agree that an enforceable deal was ever reached. If you do not have a legally valid agreement, you can not bring a breach of contract claim. 
* When I paid for the photoshoot in XXXX of XXXX, there was never a secured date for the photoshoot. Per the invoice, it says XXXX of XXXX. When I was finally notified of the date around XX/XX/XXXX, I emailed the merchant notifying her that we were no longer available. 
* The law also states that a credit card merchant can not use a XXXX XXXX XXXX XXXX in a dispute since social media posts can be edited and altered. 
* The merchant has been dishonest. She agreed to refund me and then later created terms and agreements but blocked me.
Consumer complaint received 2022-05-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (FL)

Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection. 
I, XXXX XXXX, Consumer, dated on XX/XX/2022 am putting Resurgent Receivables LLC on notice to cease and desist all communications with me. 

Also, I am fining Resurgent Receivables LLC for {$5000.00} pursuant to 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

Resurgent Receivables LLC has violated my consumer rights and you are on notice as of XX/XX/2022 and will be invoiced for each violation according to federal law 15 U.S. Code 1692k - Civil liability. 

Also let XXXX know, pursuant 18 U.S. Code 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
Because it is sufficient evident, Resurgent Receivables are attempting to collect an alleged debt of extension of credit by extortion means. 

Thank you, and best regards!
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (DE)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (KY)

I was not protected by Chase Bank and their third party affiliate XXXX. On XX/XX/XXXX I was purchasing concert tickets from a friend and was told to XXXX ( since its used through each parties bank ) the amount of {$1200.00} for the tickets. Come to find out that the tickets were not real and after the recipient did not return the money chase was unable to help me. I filed a claim on the XXXX of XXXX and was told that Chase bank would update me on the status of my claim. It has been well over their window of 3-5 business days and they did not update me and I had to call chase and have them tell me that I was informed of the wrong protocols and procedures with the claim and that they could not help. Chase bank and XXXX has failed me with trying to recover this issue since I have had a high standard with chase and XXXX and have never had a fraud issues or banking issues in general.