davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-19
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. (CA)

I contacted Transunion disputing the following items : XXXX XXXX XXXX XXXX acct # XXXX 30 days late This account was never 30 days late but was late 21 days after the due date in XX/XX/XXXX. I sent documentation showing 21 days late. 
XXXX XXXX XXXX acct # XXXX showing wage earner plan This account was sold to XXXX XXXX on XX/XX/XXXX and was paid in full. This company is reporting inaccurate information. 
XXXX acct # XXXX not my account and never had an account with them. 

I requested the method of verification that is my legal right which I have not received. 

This section 623 of the FCRA : ( a ) Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 609 ( c ) [ 1681g ] ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).
( b ) Disclosure on request of nature and scope of investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions. No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ) of this states I have the legal right to see the investigation process into these items that were disputed.
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SPS select portfolio servicing Inc. is the servicer for XXXX XXXX XXXX XXXX in XX/XX/XXXX they filed a foreclosure presiding on XX/XX/XXXX the Covic 19 obligate the government to close or put on hold all proceedings., SPS continues with the foreclosure with out respecting federal and state laws., The CARES Act general prohibits a servicer of federal back mortgage loans from continuing legal remedies during the pandemic and that foreclosure should resume after XXXX. SPS has violated all rules ( copy attached of case with all entry Information ). SPs has felt on give me the opportunity to apply for loss mitigation. And has denied the opportunity for any forbearance program under CARES Act .Please Investigate and resolve as soon as possible.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$170000.00} XXXX XXXX XXXX XXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IL)

Received a collection letter claiming to owe {$260.00} to XXXX XXXX. This is the second time this collection has been attempted. Letter is attached. 

The debt is not correct. I do not owe this money. When the first collection agency contacted me I called XXXX XXXX and verified the bill had been paid in full. XXXX assured me they would take care of the collection activity. 

They did not take care of the collection activity and I now find myself having to deal with another demand notice from a different collection agency.
Consumer complaint received 2021-12-22
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. (CA)

I am having major issues with XXXX and their horrible reporting issues. First my payment in XXXX they kept having issues processing payment. They charged me a late fee when the issue was on their side as I kept having to wait for them to add the bank account and verify. I also responded in multiple emails for them to charge my account which they kept making excuses for saying that I responded to the wrong email or missed a word. It was ridiculous and I told them I refused to pay their XXXX late for their issues. I made the payment for XXXX My payment due was XXXX. So they instead reported my account as past due for the month for XXXX which was the balance of late fee which I refused to pay due to their errors since I paid XXXX which was more than payment due. They still have not fixed on my account as paid on time on credit reports, but found the investigation and ended up refunding me XXXX in XXXX for the error. Which is attached in emails. Next I made my XXXX payment for XXXX. I sent them copies of my bank statement as well as the screen shots added and they still said it was late. They told me my bank account was Frozen. Which again is not true because then they withdrew on XX/XX/XXXX and XX/XX/XXXX from that same account 2 more payments. They have tons of issues and I am tired of them reporting incorrectly. Claiming my bank account is frozen even though they have taken 6 payments from it and then reporting my account as late incorrectly on my credit causing irreparable harm and stress. Then to add insult to injury you will see in all the emails when they are wrong they do not respond for XXXX, 30 days and half of the emails bounce back. So they do not respond in any timely manner what so ever!!! This is by far the worst company to deal with.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have been trying to remove a freeze on my credit reports for a debtor to get them. Even though the credit reporting agencies state that the security freeze have been temporarily removed, the debtor is not able to pull my credit reports.
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (GA)

I have received an alleged debt collection notice from XXXX XXXX XXXX XXXX XXXX. I have requested a validation of debt on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and have yet to receive a response. in addition, the Credit Reporting Agencies are claiming to have received a response but have failed to provide their method of verification. This has been detrimental to my credit report and score. I need to resolve this matter as soon as possible as this hindering my opportunity to secure reputable employment.
Consumer complaint received 2022-02-03
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. (GA)

I have received an alleged debt collection notice from XXXX XXXX XXXX XXXX XXXX. I have requested a validation of debt on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and have yet to receive a response. in addition, the Credit Reporting Agencies are claiming to have received a response but have failed to provide their method of verification. This has been detrimental to my credit report and score. I need to resolve this matter as soon as possible as this hindering my opportunity to secure reputable employment.
Consumer complaint received 2022-02-22
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. (FL)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2023-08-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (SC)

Debt collector, MEDICAL DATA SYSTEMS, has violated my right to privacy and is also in violation of FDCPA 1006.30a and its rule by parking an unverified, alleged debt on my credit report ( s ) without taking the required actions. I have no prior knowledge of this unverified debt that the debt collector claims that I owes it, nor was I granted an opportunity for an initial dispute of this unverified, alleged debt. My consumer character has been defamed, and I have been subjected to higher interest rates. Please see the attachments.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

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 violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. 
Equifax further violated my rights by adding incorrect information to my credit profile for others to view. They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (CA)

I have tried to contact the creditor of my XXXX XXXX medical account in collection. First the company said that they do not have an open account matching my name. I submitted a dispute via XXXX XXXX but after 4 months of waiting, my request was denied. I recently got in contact with the debt collection company again and they found a closed account not under my name, but under my social security number. Now Ive been unable to dispute the account or even attempt to reach a payment agreement because the account was closed and needs to be reopened, but only by a manager. I have had XXXX health insurance since 2014, which covers any medical service so I should not have had any medical balances at all. Im trying to apply for housing and this one collection on my credit report is preventing me from finding a place to live.
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

On XXXX XXXX and XXXX I did a bank transfer from one account to my BOA savings account. On XX/XX/XXXX and XXXX BOA did an ACH correction where they deducted 2 {$400.00} amounts from my account. On the XXXX of XXXX I spent the entire day on the phone with my external bank and BOA. BOA was saying the external bank requested the funds to be returned. My external bank said " they didn't request the return, the money cleared my act just fine ''. I ended up going to the branch to physically show them that the money was cleared out of my account. The BOA rep started a claim. On the XXXX of XXXX I was credited {$400.00} for the XXXX of XXXX Then on the XXXX the of XXXX the same two - {$400.00} were taken out of my account. I went back to the branch, the rep got on the phone and started another claim. Today XXXX, I received a non description letter sayin after their research we have determined no adjustment need. THAT'S ALL THE LETTER SAYS!!!! So I call BOA back and low and. behold the " research dept doesn't speak to customers, we don't even have a direct number for them! '' WHAT KIND OF XXXX IS THAT!?! BOA has access to my money, can do whatever they want, and don't have to give an explanation. This is unacceptable. I WANT AN EXPLANATION!!!
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I was looking at my report and noticed there were some things that was not correct. I sent a letter to Experian on XX/XX/2023. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (SC)

Back in XX/XX/2017 I filed an police report with an company that committed fraud. I was supposed to do a vehicle refinance. The dealer cashed the check and was suppose to pay off Navy Federal and XXXX XXXX. Dealership never paid XXXX XXXX or Navy Federal left me with XXXX loans. I filed police report and customer compliant at XXXX  XXXX. I'm still awaiting court date but XXXX XXXX closed out account on credit report. Navy Federal is still reporting account is open and high balance. I been trying to dispute with credit bureaus and had no luck at all and this is messing up my credit report.
Consumer complaint received 2022-02-22
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. (CA)

I was not late on this account with XXXX XXXX XXXX XXXX XX/XX/2019 & XX/XX/2019, what they are reporting. Both payments were made on time by a XXXX XXXX XXXX XXXX Representative over the phone. I paid this loan off 5 months before the pay off date. XXXX XXXX is reporting 5 late payments to all three credit bureaus which is incorrect. Please have this account removed from the three credit reports ( Experian, XXXX, XXXX Sincerely,
Consumer complaint received 2015-09-22
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (MD)

There are XXXX issues with my Chase Mastercard. 
There were a series of non requested upgrading of my card that resulted in charges and eventually fines for a service I did not requested. This affected my credit rating. 
From XX/XX/XXXX to XX/XX/XXXX I had monthly non authorized charges for purchases I did not make, and my account was penalized for overdrawn because I did not pay this illegal charges. Eventually Chase Mastercard made some refunds but they immediately withdrawn supposedly to pay new purchases from the same company whose charges were not authorized. 
As result of this illegal practice I was reported to the credit bureau and received a bad score that seriously affected my credit
Consumer complaint received 2022-12-02
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. (NJ)

I have sent out letters to each of the credit bureaus by mail on XX/XX/22 regarding unauthorized inquiries posted on my consumer report. I have yet to receive any response or update regarding my claim. It has been more than 30 days and they have failed to look into this matter. as a consumer I have rights to privacy, which each of these credit bureaus have violated. XXXX, TransUnion and XXXX also known as a financial institution have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information being shared to benefit for monetary returns. They are in direct violation of 15 USC 1681 ( b ) - It is the purpose of his subchapter to REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, they are also in direct violation of 15 USC 1681e ( b ) which states 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, in which they have failed to do this. I have never given, authorized or verbally consented to any of these transactions. Please be clear that no consent or authorization is IDENTITY THEFT! Their willful noncompliance has resulted in identity theft which I demand to Cease and Desist! Pursuant to 15 USC 1681a ( d ) ( 2 ) Congress makes it clear that a consumer report does not contain any transactions or experiences. As a result, I am demanding for the following transaction and or experiences to be deleted in accordance with my written instruction.
Consumer complaint received 2018-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Institution : Chase Payment Type : XXXX by XXXX Date of Transaction : XX/XX/2018 Amount : {$2000.00} My Chase account was compromised and an unauthorized amount of of {$2000.00} was sent via Chase XXXX by XXXX. I received a letter of my claims denial and in the letter it states I may call the customer claims department to request copies of the research documents. I called to request copies of the research documents and they advised me they were unable to provide it.