davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
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. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

Navient was supposed to simplify my XXXX loans. They did not. They made them worse. Lied about payment options, lied about time to pay off and interest rates. XX/XX/XXXX and XX/XX/XXXX I took out loans for a for profit school, which turns out gave me a degree that is n't even acredited when they said it was. They promised job placement and got none. Told loans totaling {$22000.00} would be paid off in 10 years ... I have never missed a payment. 8 years later I still owe {$19000.00}!?!? Something is fishy here ... I have XXXX private loans too. One account number for all XXXX, but checks have to be sent to 3 separate addresses. Which they do n't tell you.
Consumer complaint received 2023-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

XX/XX/2023 received a letter stating I owed money for an account. 
XX/XX/2023 I sent them a debt validation letter cease, synthesist, creditor, debt collector declaration requested information pursuant to the fair debt collection practices. 
XX/XX/2023 they sent me a letter regarding my inquiry and once again attached a single page of alleged statement and that's it. 
XX/XX/XXXX I sent them another letter stating that the simple piece of paper was not adequate verification, and that pursuant to the fair debt collection practices they have not fulfilled their end of the agreement. I again sent them a debt validation, letter creditor, debt collector declaration, and requested information, requesting a signed agreement that I have made with the debt collector any agreement that bears my signature and the agreement that grants them the authority to collect this alleged debt.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2022-04-15
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-07
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. (IL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me

under the 15 USC 1692C 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 report ... agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency n. make any consumer report containing any of the following items of information Any other adverse item of information, other than records 0124 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 2017-08-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: USCB, Inc. (CA)

Ive been getting multiple calls a day from " XXXX XXXX from USCB to pay a debt. I do not have any debt at all. This is a scam trying to get our credit/credit card for thousands of dollars.
Consumer complaint received 2022-09-29
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 with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXXXXXX 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 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 2022-09-29
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. (FL)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Account : 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 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Hello, I have ShellPoint Mortgage. I was transferred to them in XXXX and was on AutroPay. After being transferred I established a new autopay with them. In XX/XX/XXXX, Shellpoint did not deduct the autopay. I was late on my mortgage. Per RESPA Section 6, a mortgage servicer needs to make live contact with a customer within 10 days of being late. Shellpoint never called, never sent a letter, never emailed me ever, after being late. Only after almost 60 days they emailed me saying I would be 60 days late if I didn't make my next payment. This is a RESPA violation. 

I have tried to work with them in XXXX and they sent me 2 letters stating they do not do customers 'any favors '. I want this late removed from my credit due to ShellPoint not following Federal mortgage servicing rules, and after not establishing a new autopay account.
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (CO)

Disputed the entry on my credit bureau report requesting debt validation. No debt validation received. Also, I have not received any written communications from this collection agency pertaining to the debt from XXXX. Right to dispute was never granted prior to placing the account on credit bureaus as a debt for collections and damaging credit ratings.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

I recently filed a complaint with chase bank regarding multiple charge that I did not authorize with two different companies, the amounts were For XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. I didnt notice that if I was missing my card or not during those times. Since I dont have it in my hand at all times, but that I didnt authorize or make these charges or authorize anyone else to make them either. The bank filed the charge, a few days later provided a provisional credit, and then I didnt hear anything about this claim until I logged into my account and noticed that the provisional credits had been reversed. I tried calling the company 2 times on XX/XX/XXXX spoke with one person who told me that they contacted the merchant and that the merchant said the card was used in the store and that they decided to then deny the claim. When I tried to get more information or options to go forward since I never made those charges and dont want to be liable for them, they stated there wasnt any that unless I had proof of anything then this was the end. But how am I supposed to have proof of something I didnt do or authorize? I asked to speak with a supervisor which they refused multiple times before finally putting me on hold to transfer me, I then sat on hold for about 30 mins only to have the call disconnected. I tried calling back again and spoke with a different person who did and said the exact same things then transferred me only to again sit on hold and have the call disconnected about 30 mins later.
Consumer complaint received 2023-03-25
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

Money was transferred out of our Chase bank accounts by XXXX money orders on 4 separate money orders on XX/XX/XXXX XXXX XXXX XXXX of XXXX Three separate transfers on the XXXX and one on the XXXX of XXXX, XXXX totaling {$6800.00}. We did not authorize the transactions. Chase says we authorized these transactions, so the case is closed. I also reached out to XXXX. They said they couldnt find records of these money orders. Only if the authorities reach out to them with our case number, will they then attempt to trace these transactions. I also filed a complaint with the XXXX XXXX ( Michigan ) Sheriffs Department. 
XXXX XXXX Sheriff tracking number : XXXX XXXX case number : XXXX
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

As Of XX/XX/2024 LVNV FUNDING * CAN NOT provide me with sufficient documentary evidence that I have any legal obligation to pay them. AS OF XX/XX/2024 I ASK If this documentary evidence ( STILL ) can not be produced and LVNV Funding, LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding, LLC, shall be liable for violations. rESURGENT/LVNV FUNDING CAN NOT PROVIDED THE DOCS FOR COLLATERAL THEY PROVIDED ON THE BEHALF OF THE ALLEGED DEBT. RESURGENT/LVNV FUNDING ONLY PROVIDED STATEMENT/COPY OF BILL FROM BILLING OF XXXX XXXX XXXX, THIS DOESNT PROVIDED DETAILED INFORMATION THAT I HAVE AN DEBT OWED TO RESURGENT/LVNV FUNDING AND INCLUDING THIER SECURITIES AND COLLATERAL THEY DID NOT PROVIDED ON THE BEHALF OF THE ALLEGED DEBT. AS STATED RESURGENT ON BEHALF OF LVNV FUNDING VIOLATED FDCPA LAWS THE THIRD PARTY FRAUDLENTY SHARED MY INFORMATION WITH LVNV FUNDING TO FURNISH ALLEDGED DEBT ONTO MY CONSUMER REPORT WHICH STRICLY VIOLATES 15 USC 1681 602 states I have the right to privacy. 

1692e. False or misleading representationsA debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt Identity theft - meaning a fraud committed or attempted using the identifying information of another person without authority. It should be clear now that these items were added to my consumer credit report without my written consent and this is a case of Identity Theft. 15 USC 1681c ( 2 ) Blocking of information resulting from identity theft : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in a file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not latter than 4 business days after the date of receipt by such agency.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX, account number : XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (LA)

Loan was put into hardship forbearance and at end of forbearance period I was advised that negative reporting would be reported if I entered into modification so I paid the entire amount in full this was XXXX or XX/XX/XXXX and have made current payments since this date, XX/XX/XXXX I was reported to the credit bureau as being 120+ days late and in modification plan which is not accurate. 

I have reached out to SLS servicing multiple times over the last 2XXXX days since this derogatory reporting was reported and talked to at least 10 different representatives and requested to speak with management since my job is in jeopardy since I work in finance industry and this issue has not yet been resolved. 

I need immediate correction to my credit report showing file is current with all payments.
Consumer complaint received 2022-09-29
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: JPMORGAN CHASE & CO. (PA)

I initiated a dispute for XXXX in the amount of {$48.00} in the middle of XXXX because the train was delayed and XXXX policy -- in accordance with XXXX  law -- stipulates that a delay entitles a customer to a refund. However, I was never provided the refund, so I opened a dispute. I have still not yet heard back from Chase regarding my dispute, and it has been over 90 days and 2 billing cycles, which is the maximum allowed time permitted by the FCBA.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (TN)

XXXX XXXX. I received a letter from Department of Supervision and Regulation. Consumer Compliance. In XXXX & XXXX I learned that Tax Identification numbers were created on me, without my knowledge. I only have the last four digits of each identification number 's. One was used in the bankruptcy court in XXXX. This is how my mail was being stolen. My personal information was being used as though I had a business. The last four digits of the EIN # is XXXX. The name of the company is called XXXX XXXX XXXX. The second EIN # is XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX , my late father. The EIN was created XX/XX/XXXX with XXXX. My father was deceased at that time. My personal information was linked to that EIN account. Please notice the envelope reads XXXX XXXX XXXX. XXXX XXXX is listed. XXXX XXXX and her sister XXXX XXXX put their mother in a nursing home. They are now abusing her retirement benefits. The address shown on the envelope was sold by the sisters in XXXX. To avoid authorities. The account I had with Regions Bank I made my sister, their mother my beneficiary. The address is XXXX XXXX XXXX XXXX TN XXXX. Their mother had a XXXX and is a XXXX. They chose to put her in a nursing home to take her retirement. They abused my personal information also.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is a credit card that i am paying on but am not able to use anymore. I have been paying constantly on it and they seem to have payments going to wrongs account because they have missing past due. I can no longer make online payments therefore ha e been calling in payments. Past months they been refusing to take my regular payment and its now showing as 120 days delinquent and hurting my credit. I've tried numerous times to speak to a supervisor and been put on hold and hung up on. Called back and no supervisor or manager available. They have told me if I don't make a XXXX payment they will keep reporting me to the agency. XXXX XXXX XXXX XXXX have violated many laws. 
Section 605, Section 605A, Section 605B.