davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
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. (GA)

Equifax has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to Metro 2 Credit Compliance standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet Metro 2 standards. 

I can tell that a proper investigation has not been conducted by Equifax. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.
Consumer complaint received 2022-05-14
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. (FL)

I RECEIVED COPY OF MY CREDIT REPORT AND I SAW ACCOUNTS WHICH I DON'T RECOGNIZE, I HAVE NEVER APPLIED FOR THESE COMPANIES, SO I HAVE NO IDEA WHERE THESE ACCOUNTS FROM, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS.
Consumer complaint received 2019-08-04
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. (MA)

My card was charged in Fall of 2018 for charges in XXXX when I was in that country, I provided a copy of my passport which showed that I was not in the country when the charges were made.
Consumer complaint received 2024-02-18
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX 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 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 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 2022-06-03
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX 
Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2022-06-03
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. (FL)

I sent letter off on XX/XX/XXXX to remove personal information and address that is inaccurate and don't want in my credit report. no action has been taken. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. the names and address is included in the attach document that I filed with identity theft.gov Moreover, I also request those inquiries below to be deleted since they are unknown to me and inaccurate, nothing has been done. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

On XX/XX/XXXX around XXXX EST I lost the cell signal on my phone. When I got a hold of other phone to call my provider XXXX they told me that someone changed sim card number. I realized my sim card was hijacked. Hackers then gained control of my cell # and text messages. They used that access to change my email password and then got control of my coinbase account credentials and change all the info required to log in such as email address and phone # - all of it. 

When calling coinbase support - my original phone # or email is not recognized no more and thus I couldn't reach anyone to talk with. I submitted several tickets on their website, but still havent heard anything back. 
I tried calling coinbase from other phone number-finally reached some representative who said I still need to communicate via email in this matter. I have a recorded conversation with an agent. 

After getting my phone number back I immediately changed passwords and froze my credit. Called local police and filed a report. Also reports had been filed with FTC and FBI But this morning XX/XX/2020 I saw several money transfer from my checking account to coinbase.com initiated on the XX/XX/XXXX. 
It's been 5 days and I still can't get any response from Coinbase.
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I entered my new mailing address on the bank 's website, but it rejects it as invalid. I tried doing so several time over many days. But, the XXXX delivers my mail to this new address, and all other entities had no problem updating my address. Customer service states that the data base the bank uses rejected it because my new address is not in the data base the bank uses. Clearly, the bank is XXXX. I no longer receive statements and can not use my card because of this. The bank 's XXXX  attitude is not in the public interest.
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/2022 someone fraudulently used my account to purchase bitcoin from a company named XXXX. I want to know how to pursue judicial charges, because I know exactlyu who is responsible for these 12 different charges.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I called the credit reporting agencies. I have contacted your offices to dispute and emphasize that the inquiries and accounts appearing on my consumer report are unauthorized and were reported without my permission or consent. I wish to underscore that this situation falls under the category of Aggravated Identity Theft, as defined by 18 U.S. Code 1028A. Your immediate attention to rectify this matter in compliance with legal requirements is appreciated. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bliksum, LLC (CA)

Yes I spoke with a rep at LOANME INC, he had a full XXXX name, definitely a broth told me that he would be deferring my loan payments for 90 days. This was in XX/XX/2019 which means my first payment would have been next month in XXXX. Yet my account has now gone to collections and it is destroying my credit  score, this is illegal and predatory. Ive been out of work as I explained to the company rep and he was  responsive and empathetic. Either way my credit is taking a malicious decline all due to their lack of integrity.
Consumer complaint received 2020-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

This is a request for assistance with the Consumer Financial Protection Bureau for unfair credit reporting and debt collection practice from the original creditor and debt collection agency. 

The original creditor named : XXXX XXXX submitted a debt to be collected to the debt collection agency named : IC System for an amount of {$150.00} The original creditor has never made an attempt to submit a billing statement and details of the medical debt to my home of residence. There was never a detailed information about the age of the debt and the amount owed based on the services that was supposed to have been performed. There was never an attempt by the original creditor to separate the amount owed in comparison to what my medical insurance is suppose to cover. Furthermore, I am a XXXX XXXX with full medical and dental coverage to include a full coverage of a supplemental medical insurance from a separate insurance entity. Both the original creditor and the debt collector did not provide full details of the debt or send any billing statement as stated from the fair credit reporting act. Instead, both parties decided to send the false information to the credit bureaus which was not fully verified to ensure proper reporting procedure was conducted. 

Due to their negligence and deliberate misconduct I lost tremendous credit points from the credit bureaus which impacted my score and seized the plan to purchase a home for my family. I am pleading for your help to stop this insane malpractice of credit reporting and debt collection process and bring sanity back to my family who is not suffering from not being able to purchase a home.
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

My account was overdrafted because initially one the claim the claim was already of, why is the company the was supposed to fix my XXXX XXXX, halfway fixed it, I was having this problem with my insurance company for XXXX XXXX, for a couple of claims, the in particular part that they needed to fix they never fix it, so I made a claim with my bank Wells Fargo, because it was still was not fixed, and it's still not fixed, the bank returned the money, after receiving a, state tax on the XXXX of this month, they said they reversed it back,
Consumer complaint received 2020-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

In XX/XX/XXXX, I graduated from XXXX XXXX. I finished classes in XX/XX/XXXX and officially graduated in XX/XX/XXXX.

In XX/XX/XXXX, my loan servicer notified me that I had lost the subsidy on my subsidized loans due to exceeding the 150 % time limit for my program at XXXX. However, I started at XXXX  in XX/XX/XXXXand was in a 4 year program. As such, to have exceeded 150 % of the length of my program, I would have had to make it through a 6th year at XXXX  and start a XXXX  in Fall  of XX/XX/XXXXwhich did not happen. Furthermore, the notice was sent out before Fall   XXXX  at XXXX even began so the timing isn't right for that being the issue either ( cropped copy of the letter with dates shown and personal info removed is attached ). 
I contacted my loan servicer and was instructed to contact XXXX. I contacted XXXX about this issue multiple times since them, and XXXX representatives stated I should have had no issues and that I hadn't exceeded the limit. I went back to my loan servicer with this information and asked what my next steps should be and they haven't given me any helpful responses. They have simply told me that my status is listed as " in school - part-time '' and my account has continued accruing interest it shouldn't be gaining yet. They haven't even acknowledged my concern about my loss of subsidy not have they explained why the paperwork they sent says I lost my subsidy due to exceeding a time limit that XXXX says I haven't exceeded. If there's another reason for it, they haven't offered one. It has accrued hundreds of dollars of interest at this point and haven't given me a meaningful response to any of my attempts to get this resolved. I sent another request to both FedLoans and XXXX today, XX/XX/XXXX, but I'm not confident anything will improve, so I've decided to file this complaint. All of my contacts to both XXXX and FedLoans were completed digitally, so I have full records of all responses if needed later.
Consumer complaint received 2023-06-10
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. (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. 

XXXX BANK XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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.

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 XXXX 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 2019-07-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Collection Systems, Inc. (TX)

National Credit Management called my place of business, spouse and family members stating I had already spoken to him XXXX XXXX at XXXX ext XXXX, after I had already made arrangements with the debtor to pay the balance. The date has not passed but he continues to call these places after I told him this information.
Consumer complaint received 2022-11-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I expect to see an original proof of the accounts that I am listing below. 
Under FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand that you remove these accounts immediately : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer life.

IN tent to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Sections 617 if the UNVERIFIED items listed below are note deleted immediately.

A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA.

If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account.

The law is very clear as t the Civil Liability and the remedy available to me.

this company, has not been able to verify, come the time of the law, all the fraudulent information, nor has it provided evidence, nor verification method, sending me a letter asking me 15 more days, than what the law stipulates,
Consumer complaint received 2022-05-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (NY)

THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR.
Consumer complaint received 2022-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC (OH)

Some rented an apartment using my information. Spoke with the property in question and the agency seeking to collect this debt. Based on the information given I was not in that apartment on XX/XX/2015 but was at work Im Connecticut. This debt keeps accruing interests. I have disputed this account numerous times and even offered to pay 25-50 % just the get this off my credit file. They are asking me to settle for 80 %. I have no business dealings with this company.
Consumer complaint received 2024-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TN)

Complaint against Mohela Student Loan Servicer. I requested my loans be changed from an Income Driven Repayment plan to the SAVE plan in order to prevent additional unpaid accrued interest adding to my principal balance. The initial request to change repayment plants was made in XXXX of XXXX, which was denied due to incomplete proof of income. I submitted another request with updated proof of income. After multiple attempts in contacted the loan servicer and providing the additional proof of income, the servicer has now misplaced my proof of income and has not processed my request in a timely manner. This has resulted in a mishandling of my personal information and months of additional accrued interest that should have been avoided. The loan servicer has also removed the message option in their contact us option on their website. The only option made available to their patrons is to call during regular business hours and be placed on hold for hours while transfers are made to different departments. I am unable to get a clear answer from any representative and I am instead given multiple different answers as to why my request could not be completed. It seems as though Mohela does not want to change borrowers to the new student loan repayment SAVE plan in a timely manner because this new program causes a loss of revenue on their end. They had no problem approving auto debt payment application request in a timely matter ; within a week. Their actions against student loan borrowers should be considered illegal.
Consumer complaint received 2022-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

I lived at XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX. On XX/XX/XXXX i called fair housing to make a complaint about my uninhabitable living conditions to XXXX XXXX. On XX/XX/XXXX i received a XXXX notice in my upstairs neighbors name with my correct address on it. On XX/XX/XXXX i received a 60-day notice to vacate. On XX/XX/XXXX i gave the on-site manager XXXX in writing my 30-day notice to vacate. On XX/XX/XXXX i vacated the property and returned all keys and possession. 3 months later i received a letter in the mail saying i owe KIMBALL TIREY & ST. JOHN XXXX. I later found out they charged me rent for the month of XXXX where i no longer resided. An unlawful detainer was filed against me after i moved out, so i didn't get any of the court paper work sent to the XXXX address. The unlawful detainer was dismissed and sealed in the court of law. KIMBALL TIREY & ST. JOHN has been reporting this fraudulent negative remark to my credit report going on 4 years. Back in XXXX of XXXX i spoke with a lady named XXXX who works for KIMBALL TIREY & ST. JOHN. She told me why i was charged for the month of XXXX. According to XXXX she said i didn't give a 30-day notice to vacate. I told her i did and she was going to check my file and get back to me but never did. I also never got my got my portion of the deposit back. Through out the years i have sent numerous Validation letters to KIMBALL TIREY & ST. JOHN to validate this alleged debt I never received a response, just more debt letters from them. This is a violation of my fair credit reporting act. I believe this was an act of retaliation because i called fair housing on the property management XXXX XXXX XXXX XXXX Also the on-site manager XXXX and I AS well her boss XXXX didn't see eye to eye. i have copies and proof i turned off all my utilities and the court dismissed letters i sent to KIMBALL TIREY & ST. JOHN regarding this matter. i wasn't properly served a 3-day notice in my name. The on-site manager XXXX has made numerous mistakes giving out 3-day notices i have those copies as well. On XX/XX/XXXX2022 KIMBALL TIREY & ST JOHN reported to my XXXX credit report a new account for the amount {$1000.00} and now i have 2 of the same accounts on my XXXX report with the same alleged amount but different opening dates, which is fraud. I have been disputing this alleged debt to the credit bureaus every month of this year.