davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (DC)

In XX/XX/XXXX I co-signed a private loan for my son. It was required because he was a dependent student. Payment was initiated by me on about XX/XX/XXXX. At this time he had graduated. I continued those payments until about XX/XX/XXXX. 

At that time he updated my credit record to show that loan was initiated in XXXX. Contact was made with all parties that I thought would be able to help me clear up the data. I contacted the Credit Bureau and the response was that Navient claimed the report without showing that they performed any research to confirm. 

This occurred a few months after Sallie Mae split up and separated Federal and Private loan agencies. 

With no where else to go I found a lawyer that would take on my case. As this also involved my son, the lawyer added him as a plaintiff. Navient dragged out the process in the court system for about 3 years. As I had lost confidence in our legal team, finally I decided to drop the case without prejudice.
Consumer complaint received 2022-05-03
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. (NC)

I have submitted FTC report and numerus letters and phone calls in attempts to remove in accurate accounts off my credit report. Experian stated that my account was properly investigated, but how so is that possible when the other bureaus investigated the same item and removed it. 
And in accordance with the Fair Credit Reporting act 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. 

I also address incorrect inquiries on my report that they have yet to remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (GA)

I came into some money from a sale of property I received two checks in the mail on XXXX I want and opened a checking account on XXXX the banker XXXX XXXX from SunTrust informed me that I can cash the XXXX and put XXXX in my pocket and he would deposited the remaining amount with the deposit of the XXXX would be a total of XXXX and said the money would be on my account in the morning so I waited a couple of days and I wanted a car and looked around then I found one do on the XXXX I bought a car gave them XXXX cash and wrote a check for the remainder which was XXXX to total the XXXX the next thing I know my account was closed nobody knows nothing I would receive my money back in the mail now it's XXXX and still nothing haven't herd nothing.
Consumer complaint received 2018-10-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CO)

I had an auto loan with XXXX XXXX. The loan was PAID IN FULL on XX/XX/2018 as per their own records, can verify with online account login and listed payment history. It is now XX/XX/2018 and Ally is not reporting the loan paid to major credit bureaus. This is causing detriment to my credit report as it is showing excess debt that I do not actually have. Ally reports at the end of the month, and on XX/XX/XXXX they chose not to report the loan as PAID.
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diversified Adjustment Service, Inc. (CA)

As a consumer Ive gave this corporation no permission to put this false information on my so-called credit report or have I given this corporation permission to share my so-called information with third parties. On XXXX I had noticed that XXXX XXXX XXXX company had put some false information on my so-called credit report and shared this information with third parties by the name DIVERSIFIED ADJ SVC. This is unlawful under 15 USC and 15 USC1692i As being a consumer I am want this fraudulent information taking off of my so-called credit report and I am also seeking monetary relief.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2019-08-26
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. (PA)

I have contacted TransUnion a few times by mail and phone about some unauthorized hard inquires showing on my Credit File. I first contacted them by mail approximately around XX/XX/XXXX to dispute the inaccurate information on my credit report and I called TransUnion about a month later around XX/XX/XXXX to follow up on any updates about the items I disputed. I actually called them a few times around this date only for them to keep telling me that I must contact the creditors to dispute the items with them, TransUnion even sent me mail but only about one of them several items I disputed that was a verification letter for the XXXX  XXXX account I disputed. And they never sent me correspondence about the other items. I even called a few of these creditors around this time to dispute these items with them which they end up making a report and telling me they update their system and send updates to the credit bureaus. However those items still remain on my account. 

I initially contacted TransUnion feeling that I was a victim of identity theft and I don't feel they followed the proper procedures of the Fair Credit Reporting Act. And by them never responding to the other items on my credit report, I feel like they never did a proper investigation. 

I even sent them mail for a second time on XX/XX/XXXX disputing the items again along with an identity theft report I filled with the Federal Trade Commission and I still have not heard back from them. Below are a list of items I disputed due to fraud : XXXX : Hard inquiry date XXXX XXXX XXXX/XXXX : Hard inquiry from XX/XX/XXXX XXXX/XXXX : Hard inquiry from XX/XX/XXXX XXXX : Hard inquiry from XX/XX/XXXX XXXX : Hard inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  : Credit Card Closed on XX/XX/XXXX
Consumer complaint received 2023-01-03
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: SYNCHRONY FINANCIAL (CA)

Around XX/XX/XXXX, Purchased some products on aliexpress.com with paypal.com credit card ( synchrony bank ). 


XXXX showed items were being tracked and delivered. And gave tracking number through multiple tracking services. Finally tracked through XXXX to showing delivered at my house on XX/XX/XXXX. This delivery never arrived. 


Around XX/XX/XXXX, Attempted to make claim through XXXX, through a convoluted system that was near impossible to properly dispute the delivery, they then immediately denied the claim. 


Around XX/XX/XXXX : Went to paypal credit to dispute the charges. 


Around XX/XX/XXXX Paypal Credit ( synchrony bank ) denied my claim. I still have no products, and am charged around {$320.00} for no products. 
Around that same time I called and disputed the denial. 


On XX/XX/XXXX I received a notice saying they denied the claim again. 
I still have no products, and am being charged for it. 


They want proof that I have no products, how can I prove that I don't have something!?
Consumer complaint received 2019-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

On XX/XX/2019, I exercised my rights under FCRA 611(a)(6)(B(iii) which provides that a consumer may request “a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available,” regarding inaccurate accounts on my credit reports reported by XXXX/Law Offices of Mitchell Bluhm by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX.  To date, I have not received any  compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019.  To date, XXXX/Law Offices of Mitchell Bluhm is reporting false information to my credit bureaus.  Therefore, I expect this account will be removed from my credit files immediately.  Thank you for your prompt attention to this matter.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2018-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent them letters multiple times And so far they have not yet respect the fact that I want to to remove the inquiries and late payments off my report.

The late payments can not be proven also.
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp. (NJ)

TrueAccord sent my relative multiple emails regarding a collection. It was went from these emails on XX/XX/2021. Each email has info from an old collection account with XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX emails had all the debt info including amount owed and company owed to. I did not want my family to know my personal problems and this has caused me significant issues. Im not sure how they found this email address since its actually a business email that a family member has. They sent a total of 5 emails. Each email comes from a different individual. The emails were forwarded to me by the person who received it.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I attempted to get a loan was told by the lender my account was not showing and there was no information on my account. I contacted the reporting agency and they claimed it was nothing but when I check again they claimed it was still not working or reporting. I attempted to contact the reporting agency and they have no reason why the merchant cant open my credit file.
Consumer complaint received 2020-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

When I consolidated my loans back in XXXX with Navient, they told me in 10 years I would be able to have my loans forgiven since I work for a non profit. 17 years later, I found out they were dishonest about my loan and I am still paying on it after working in the nonprofit field for 20 years.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX  XXXX XXXX XXXX Account number- XXXX I have sent 4 letters disputing this account due to its reporting inaccuracy over a 5 month period and have yet to get a response. The account is showing 30 days late for the month of XX/XX/XXXX with XXXX, while showing paid on time with Equifax and XXXX  for that month. Also, Equifax is reporting 30 days late XX/XX/XXXX and paid on time with XXXX  and XXXX  for that month. XXXX  is reporting 30 days late XX/XX/XXXX and paid on time with XXXX  and Equifax for that month. I have checked my records and I have never made a late payment any of these months. In addition to the inaccurate reporting, it has been over 150 days and I still have not received a proper investigation or response to my disputes. This inaccurate reporting is adversely affecting my credit scores.
Consumer complaint received 2021-07-10
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: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/2021, I filed a disputes with XXXX, XXXX, & XXXX  in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigations results.
Consumer complaint received 2018-03-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I disputed a bankruptcy and some credit card accounts. In XX/XX/2018. At the end of their investigation Trans Union Credit Bureau just stated that the Information was Updated. 

Results : Item ; Description ; Results ; CHAPTER XXXX BANKRUPTCY FILING Docket # XXXX INFORMATION UPDATED XXXX XXXX XXXX XXXX XXXX XXXX # XXXX INFORMATION UPDATED According to rules and regulations of the " FDCPA Section 807 ( 8 ) " the Credit Bureau must put a statement with these accounts to show that they were disputed by the consumer within 30 days. They did not do as required by the law. Trans Union Credit Bureau is in violation of the law.
Consumer complaint received 2019-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: JPMORGAN CHASE & CO. ()

Back in XXXX Chase bank dissolved an IRA account that I had with them and sent the balance to God knows where. They made me travel to USA from XXXX to rectify the problem. At the time my daughter was small and we had family support for me to travel. 
Now comes XXXX about XX/XX/XXXX. Somebody at Chase bank got the notion that my account is being hacked. They requested from me my old addresses which I unfortunately under pressure and personal XXXX XXXX XXXX started at the oldest trying to get to the newest. they didn't like the minor information I gave them and requested 100 % address. I didn't do good. I fumbled. They requested my debit card which I left in XXXX. 
Once I got to XXXX from my vacation I called them back but they still wouldn't give me access. To top it off my debit card was blocked and I cant use it in XXXX. 
They asked me to leave my daughter unable to get out of bed and into her XXXX  and my wife who doesn't speak English in XXXX and travel to USA for an x amount of days to prove who I am. To spend at least XXXX dollars which they wont pay for. Nor will they pay for my mobile phone calls I made from XXXX.
Consumer complaint received 2023-04-07
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)

I want to file this complaint to EXPERIAN. I wrote to them the inaccuracies of my credit report including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it its over 30 days. As I checked and reviewed my credit report seems nothing has changed and no action has been taken. 

My rights have been violated numerous times. 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. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2019-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

This debt originated in XX/XX/XXXXI was a victim of ID Theft in XX/XX/XXXX in which I submitted the police report to the 1st Point Collection Company as well as a recent report of someone trying to use my ID to purchase items in my name online in which I also disputed and the remark was removed. 1st Point refuses to remove the deragatory remark from my report acknowledging that I am responsible for the debt owed. I tried resolving this problem multiple times before with this company.
Consumer complaint received 2021-12-06
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. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over XXXX  days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX, XXXX, XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employer : XXXX XXXX Date Updated : XX/XX/2018
Consumer complaint received 2022-05-03
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number 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 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-08-26
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: EQUIFAX, INC. (NC)

I have disputed inaccurate late payments showing up in my credit file from Equifax 7 times. The credit file is showing that I paid XXXX  XXXX payments late over 180 for several years which is completely false. I disputed this issue with XXXX and XXXX as well and the inaccuracies were removed right away when I provided the proof and documentation. Equifax refuses to remove the false late payments even though I have provided payment history that was signed and notarized as well as letters from the crediting company that states the late reporting 's are not correct!
Consumer complaint received 2022-06-11
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. (OH)

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

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a loan account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Heartland Resolution Group, LLC (FL)

I received the Hearland Resolution Group debt collection letter said I owed to XXXX XXXX XXXX XXXX XXXX amount is XXXX by Original Creditor : XXXX XXXX XXXX XXXX as of the Date of Service XX/XX/2014. I didnt go the hospital which they said the Date so it was not my bill it was someone who used my personal information for the Emergency Serviced. I called XXXX XXXX XXXX who told me my date of birth was not collected.