davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Fees levied for Credit Protection Service. Did not request this service. Each month I was assessed a fee based on outstanding balane (? ). It differs each month.
XX/16 {$24.00} XX/16 XXXX
Consumer complaint received 2017-08-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I have applied for loan cancellation for teachers XX/XX/XXXX. It was denied because it was stated that I attended XXXX University from fall XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I attended XXXX XXXX. XXXX XXXX XXXX University XXXX XX/XX/XXXXreceiving degree in XXXX  XXXX. after retiring in XX/XX/XXXX I was informed last year by Navient loan services my loans could not be consolidated. I sent them documentation pertaining to the amending of the pre XX/XX/XXXX laws concerning XXXX loan forgiveness. My documentations have been denied. But I have been sent loan repayment statements and is expected to pay {$450.00} per month. Last year I qualified for .XXXX  dollars repayment according to my IBR payment. I am XXXX years of age and have worked in both XXXX XXXX and XXXX for XXXX XXXX. I do n't understand what is happening to consumers today. They work for poverty wages and pay their loans also. Why have greedy loan serving company being able to force us to pay until we reach age XXXX before my loan are forgiven.
Consumer complaint received 2016-01-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: POPULAR BANK (UT)

After my loan was paid in full. XXXX additional automatic bill payments were made to the servicing company. I 've requested they send those payments back to me, but I was told they have no record of the payments. I faxed them proof of the checks being cashed by my bank, and they said their research department never received them. I asked if I could email them the copies, and they said no. I would be required to fax in my request. It 's been more than 2 months and I still have not received my payments refunded to me. I know the servicer has a fiduciary responsibility to apply payments, or refund over payments in a timely manner. I also experienced the same kind of issues when requesting the payoff amount in the first place. They will only accept payoff requests via fax, and there appears to be very little accountability for employees to ensure they are received and worked on in a timely manner. Before finally receiving my payoff quote, it was almost a month in time from the initial request. I do n't want other customers to have to experience this kind of servicing. Ultimately the consumers are hurt by a lack of care on the part of these type of servicers.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. Kawaauhau v. Geiger, 523 U.S. 57, 61 ( 1998 ).

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute Wells Fargo, has posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
Wells Fargo is {$190.00} according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is {$190.00}? Read their validation letter Does the letter says {$190.00} high balance? Then it is incorrect! Remove it! 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you XXXX responsible to allowing this Malicious attack and you are an accomplice to this behavior See attached this is incorrect and not factual it lacks the 100 % accuracy and therefore you must remove immediately. late payment as I have enclosed their malicious slandering and I hold you XXXX responsible for my injury. For you have failed to obey the rules and caused me haram and damages As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY REPORT.
Consumer complaint received 2023-07-07
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. (OH)

In accordance with the FCRA the list of accounts below has now violated my Federally Protected Consumer Rights to privacy and confidentiality under the USC 1681 15 USC 1681 SEC 602A 15 USC 1681 SEC 604A SEC 2 15 USC 1681 ( c ) SEC ( a ) ( 5 ) report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  reported on XX/XX/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 2022-08-26
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: Southwest Credit Systems, L.P. (FL)

IN THE ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % THE CREDIT BUREAUS STATED MY ACOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE NOT ACCURATE .THIS GROUND FOR REMOVAL THEY ALSO 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 AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX XXXX XXXX XXXX date opened XX/XX/2020 original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, paid
Consumer complaint received 2017-08-16
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: WELLS FARGO & COMPANY (IL)

This is a follow up to complaints : XXXX XXXX I have not received the info. I requested to verify the validity of my cosigning status. XXXX XXXX XXXX XXXX XXXX has not been forthcoming in providing the info. I requested. I do not want to file a fraud complaint until I receive all the info. I requested.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This company keeps re-aging these two accounts on my credit report and every time they keep re-aging these charged off accounts it drops my score. They are doing it on purpose to drop it which is causing me harm and emotional stress and is against the Fair Credit Report Act. Here is the company below along with orginal creditor info and the two accounts. PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX org creditor XXXX XXXX {$1100.00} PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX org creditor XXXX XXXX XXXX XXXX  {$1000.00}
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

I have no idea why EXPERIAN submitted a PERSONAL INFO DISPUTE XXXX against my birthdate when the original case on CFPB XXXX is EXPERIAN REAGING my account!!!!!!!!!!!!!! I want this account REMOVED from my profile. I am not disputing my date of birth or personal information! READ my letter AND my screenshots. On XX/XX/XXXX you had this account to fall off my credit report in XX/XX/XXXX and now it says XX/XX/XXXX?! I will be reporting this as it is illegal. I am giving you a second change. REMOVE this account or revise the reaging! 

XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX RE : Investigation Request to Delete Credit Inquires To Whom it May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to challenge questionable information that I have found on my personal credit report. It has come to my attention that you have REAGED an account. The accounts below are reporting incorrectly please investigate these : 1. XXXX XXXX XXXX XXXX XXXX I am allowing you 30 days to complete this investigation and remove this account from my profile. XXXX took it upon themselves to delete this problematic account from my history without me asking so now I know you should be able to do it too. If this account is not removed, I will be reporting Experian and XXXX XXXX for illegally aging an account that was previously set to close on XX/XX/XXXX to the Federal Trade Commission and Attorney General. Truly, XXXX XXXX
Consumer complaint received 2019-07-11
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. (GA)

Please be advised that I'm asking you to remove the student loan accounts listed below that remain on my credit report. The request is in support with the university being a PAY FOR PROFIT school. 

The company committed fraud and deceptive practices, including allegedly misleading students about its job placement rate and actual cost of earning a degree, among other practices. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately.

Name of Accounts : XXXX, XXXX & US DEPT OF EDXXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed.Thanking you in advance for your anticipated quick co-operation on this matter
Consumer complaint received 2022-03-19
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: Experian Information Solutions Inc. (GA)

PLEASE HELP! 

I send Experian a letter on XX/XX/2022 requesting that they provide me with the proof that the creditors in the attached letter provided to them to validate/verify the accounts that they are reporting on my consumer credit report. Experian has failed to do so. By law Credit reporting agencies are required to provide the information that the creditor provide them and Experian obviously feels like they are above the law. They have verified the account as accurate and updated. I send in the attachment that received my correspondence requesting that they provide me with proof yet they ignore it and just update the accounts. Experian is being a bully and because I feel like I am fighting for my rights because they are being violated. Dealing with Experian has cause me to start having anxiety attacks because they are not obeying the law. This accounts does not reflect my credit worthiness and should be removed due to the fact that Experian has yet to provide me with documentation/correspondence of what I have requested. A update credit report is not what I asked for. I have requested proof of verification/validation. I have also filed a complaint with the XXXX  because I feel I need additional help/ back up due to the fact that Experian continue to tried to bully and intimidate me.

15 U.S.C 1681c ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.

15 U.S.C 1681 ( a ) ( b ) ( 3 ) ( 4 ) ( d ) Information required to be disclosed 15 U.S.C 1681c ( e ) ( f ) ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.
Consumer complaint received 2022-03-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credence Resource Management, LLC (CA)

beginning of XXXX of last year, credence resource management has been trying to collect a debt for XXXX that has my name on it but not my correct phone number i have never changed in 20 years. They did attempt to verrify debt by sending 4 of the most recent but any name can be entered there by them so they can collect on fraudulent debts. They say I owe {$1300.00} in one letter {$1300.00} again for another account, {$220.00} and {$170.00} all in the 6 months that it says the account was open for. I informed them this is not my debt not my phone number but they do their own investigation and replied on or about XX/XX/2022 that I owe this debt on a phone I have never used. For 2 years they not only have marked me as a bad cobsumber for a debt that is CLEARLY not mine.
Consumer complaint received 2022-03-19
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. (CA)

Transunion consistently lowers my credit score when I received two new credit cards and they are monitoring and purposely decreasing my credit score to keep me from obtaining credit.

They have my credit file in s special investigation file so when ever I apply for credit they are alerted and change my credit information then deny the new credit application.

They have no reason to have my file listed under special security.

They have decreased my credit score by XXXX points for an 18 % increase in balance for two new credit cards. 

Three months prior to the XXXX point decrease they decreased my score by XXXX points for a new credit card. 

They consistently show a balance for a charged off and disputed account with XXXX opened in 2014 which should be removed from my credit report. 
It's over 7yrs old. 

They are allowing XXXX to monitor my credit. 

I have monthly credit inquiries by XXXX. 

But every time I have a credit inquiry they list it on my credit report along with recent last payments this is all illegal. 

I have made many complaints in which Transunion corrects the matter and then repeat the same actions a couple of months later. 

I have written my local Senator who happens to be on the XXXX XXXX XXXX with a complaint.
Consumer complaint received 2022-03-19
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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (TX)

In XXXX of 2016 I gave my apartment complex a 30 day notice in persona nd filled my paperwork out. I moved out and they claimed I never gave them notice and put a {$900.00} collection on my credit report which I eventually did pay as I want to protect my credit score. Six years later is still costing me crucial points to get the best pricing and rates as I have been told its costing me 80 to 100 points. I really need your help here.
Consumer complaint received 2022-03-19
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. (PA)

In accordance with the Fair Credit Reporting Act 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 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-19
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. (PA)

In accordance with the Fair Credit Reporting Act 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 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

Created an account via online systems ( dates not important, but occurred ~end of XX/XX/XXXX). 

Provided all information, identifying numbers ( dl #, etc ), and account was successfully opened. 

Since then, their fraud department has been contacting me via unsecured methods to request a copy of my Id - what seemed to be an obvious phishing attempt was actually their fraud department. 
They also claim to be unable to send the request via their online banking secure messaging. 

I've confirmed that these are actually valid requests through separate channels ( website chat, main banking contact numbers ), and not a phishing attempt.
Consumer complaint received 2022-03-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion illegally refuses to allow people to submit disputes by fraudulently conspiring to say they are sending an authentication email but never actually sending that email. This is a twisted conspiracy to willfully break federal law.