davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-18
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. (AZ)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-12-16
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: Experian Information Solutions Inc. (TX)

I respectfully request your prompt attention on the following and accurate information on my credit report. 

For your convenience, I have attached all disputing items listed in the enclosed pages of my credit report. 

The following items is is accurate and negatively affecting my credit. Please ring investigate this matter and delete and or correct the disputed items. 

I have contacted Experian, XXXX, XXXX XXXX and XXXX XXXX on XX/XX/2020. 

I explained to all of them that there is inaccurate information being reported on my credit report. Both, XXXX  XXXX  scores, split file and merged tradelines. 

I am writing to disputed the inaccurate information being reported on my credit report regarding " XXXX XXXX XXXX XXXX '' is reporting under " XXXX XXXX as a credit card. 

XXXX XXXX  is not a credit card account they only report to XXXX and XXXX  on weather or not I pay my rent on time. Became XXXX XXXX XXXX XXXX is being reported as spilt account on my credit file it is negatively affecting my credit utilization scores. 

I've reached out to all agencies to have them to correct the issues. However, they have failed to do so. 

I respectfully request that all agencies provide me with proof of disputed items specifically any contracts notes court documents or any instrumental bearing my signature. 

Failing that, this item must be deleted. 

You may send an updated copy of my credit report to the below address. 

I can be reached at XXXX or at XXXX or XXXX XXXX XXXX  XXXX TX XXXX. 
XXXX XXXX
Consumer complaint received 2022-06-18
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. (TX)

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-03-04
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: SYNCHRONY FINANCIAL (CA)

I have inquiries on my credit report that do not belong to me 1. XXXX XXXX XX/XX/2020 2. XXXX XXXX XX/XX/2020 3. XXXX XX/XX/2020 4. XXXX XXXX  XX/XX/2020
Consumer complaint received 2022-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTECH DIVERSIFIED, INC. (NE)

I was notified today XX/XX/XXXX that I was sent to collections from an agency in XXXX Texas. I canceled and paid off all services in XXXX when I moved XX/XX/XXXX so there are no debts I owe. I was not notified via email, phone, or mail about this alleged debt and do not know where it is from.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXX, I went into the Navyfed located in XXXX TX. I went in there with my spouse to deposit a check of XXXX and do a cash advance for XXXX out of an external account. The teller ( XXXX ) was very rude and unprofessional. She stated that to do my cash advance, she would need to ask two identifying questions. Never had to do that. So I inquired why? If I never had to, did something change? She stated the policy Changed XX/XX/XXXX. I said that's false. I've never been asked anything, besides the two forms of id. She asked if I wanted to speak to her manager, I said I didn't request to speak to your manager, I'm asking you the question ( the teller ) that called us to the window to assist us. She displayed unprofessionalism by huffing and puffing under her mask, chewing her gum aggressively, and rolling her eyes. I addressed it, she didn't like it. She walked away to go get assistance. I started to converse with my spouse, I guess she heard me, and became confrontational in the lobby. I told her to continue to get her manager like she suggested was the best remedy and to stop addressing me. She came back and my spouse and I both said that she was unprofessional and she started to cry. A guy walked up excusing her, and directed us to wait in the lobby area and said someone else would assist us. So now we are waiting additional time after other members that came after us. He then came to get us, he asks our nature of being there. We told him. As he is checking the database, he never asked the two identifying questions, like she said was policy. I went to describe the issue to him, he didn't apologize, he did not say anything to make us feel like members of the institution. I'm a veteran who has been a member with Navyfed since XXXX. I asked him his title, he said he was the branch manager ( XXXX ). In my mind, I'm like as a branch manager, you should implement professionalism. If someone is complaining about their interaction with your staff, you shouldn't deflect from the questions or display that you don't care or you're uninterested. As we left, there was no salutation, no thank you for our business. In addition, my other complaint within consumers affairs in regards to the branch in XXXX XXXX, plays hand in hand with this complaint I'm doing right now. The branch in XXXX XXXX declined my cash advance due to " policy change '' of not being able to verify my card information. But if the policy has changed, how was I able to complete the same thing with the branch in XXXX, if the policy is for all Navyfeds. The disrespect displayed in the branches are beyond me. This makes me feel as if they pick and choose who to service. Navyfed represents All Military personnel and their dependents. I do not appreciate these interactions. And I want some resolution. I plan to make this issue public and civil. This is the second interaction with Navyfed that I've had where the staff displays disrespect, dishonesty about policy changes, and seems to be unethical.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/2018 I sent dispute letters to XXXX and Transunion, regarding an account on my credit file that had incorrect or missing information. I stated : " I am writing to challenge the reporting and compliance on an account with XXXX XXXX/XXXX  that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number. 
Your improper procedures are highly damaging to my credit score.  Please immediately delete this item. '' When I received the response back from each company, they stated the account was valid, but they did not address the fact that I can't see an account number for me to verify it myself. Just a bunch of XXXX 's. 

As required by section 609 of the Fair Credit Reporting Act, it states that by not reporting the entire account number, 100 % of the information is not being reported accurately. 

I have enclosed these documents below.
Consumer complaint received 2018-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

My problem is with a new bank policy at Chase Bank that does not allow you to deposit or withdraw funds from the ATM in at least 2 locations in my neighborhood between the hours of XXXX and XXXX. I dont think this is a practice at all their facilities and it's not clear as to why these particular locations were targeted. It's not only inconvenient for those who may need to make a transaction between those hours it also shows a lack of concern for faithful Chase customers in the area. The 2 locations are on the city of XXXX 's westside. One is on XXXX and XXXX and the other is on XXXX and XXXX. I just wanted to voice my concern about this situation.
Consumer complaint received 2022-06-18
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)

In accordance with the Fair Credit Reporting Act, 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 2022-06-18
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. (NC)

In accordance with the Fair Credit Reporting Act, 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 2022-06-18
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. (NY)

In accordance with the fair credit reporting act these following accounts have violated my rights Account Name : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section602 A States I have a right to privacy 15 U.S.C 1681 Section604 B States a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-20
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. (MI)

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 15USC1681. 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 Department Of Ed/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 2018-12-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: First Investors Servicing Corporation, Atlanta, GA Branch (PA)

Due to unforeseen circumstances we requested a payment reduction for our XXXX XXXX XXXX. We spoke to a XXXX XXXX and she was to be handling our account. We email her XXXX pay stubs and bills that she requested. This was on XX/XX/XXXX. I continued to send messages up to XX/XX/XXXX when I spoke to a XXXX XXXX who advised me that XXXX XXXX was no longer with the company. During this time period my husband and I received daily phone calls about the XXXX. On multiple occasions we would answer the phone and speak to a representative up to XXXX times in a day. Their excuse was that they use an automated computer and they could not control who it calls. Not one of these representatives bothered to read the file to see that our case was being handled. I forwarded the documents to XXXX on XX/XX/XXXX and made several attempts to contact him about the status. Still receiving daily annoying calls, which I would answer XXXX it was XXXX XXXX with an account up date. XXXX XX/XX/XXXX I received a phone call from a XXXX XXXX who informed me my account was XXXX past due. He had no information regarding the XXXX previous individuals. I once again forwarded the documents to XXXX XXXX. I emailed him and he stated that he sent the documents on to be reviewed. I am aware that they are not legally allowed to call me several times a day, or cause my phone to ring endlessly! They however do not think this law applies to them. I asked them not to call me unless it was about the payment reduction. They claim I am removed from the automated system now after I made several complaints.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (PA)

I just reviewed a copy of my XXXX credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group (TX)

XXXX. I never received written notice of the debt claimed against me nor my wife prior to the landlord reported it to the collection agency. 
XXXX. Never received notice of the debt claimed against me nor my wife by the collections agency prior to them reporting it to XXXX ; XXXX. The debt amount claimed is false, and fully in dispute because they are based on alleged contract damages, which are not available to the landlord. 
XXXX. The landlord failed to properly itemize and account for my security deposit, and as a matter of law XXXX XXXX. XXXX. code XXXX XXXX the landlord is now prohibited/barred from bringing suit or claiming any damages against me. 
XXXX. The Landlord actually owes me {$150.00}, instead of I owing them anything.
Consumer complaint received 2018-12-13
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: EQUIFAX, INC. (MN)

On equifax they have this address on the report and i never live there XXXX XXXX XXXX XXXX XXXX, MI XXXX And theres a couple hard inquires one of them from XXXX  XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXX they put a account under investigation and they found out its a fraud and they promise me to remove everythings from the report they remove the account but not the hard inquires And theres another companies XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 




XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX  XXXX. 



XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 




XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 


XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 


XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX  XXXX. 

And as you can see there is two inquires from the same company in one month I only have two credit cards one from XXXX XXXX and one from XXXX thats all the credit i have
Consumer complaint received 2020-07-31
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. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF EDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-07-28
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: EQUIFAX, INC. (MD)

I bought a new car in end of XX/XX/2019, I authorized the finance office to run my credit once and they ran it 7 times. I need the other XXXX inquiries removed from my credit report as it is impacting my credit score and the office should have only ran it once.
Consumer complaint received 2020-06-05
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: AMERICAN EXPRESS COMPANY (TX)

I would like assistance with disputing a charge on my account for {$1500.00}. It was paid to Amex Everyday Credit Card on XX/XX/18. In total they charged me {$1500.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Most of the accounts in adverse sections are past 7 years reporting and the others are basically duplication 's XXXX  XXXX never delinquent, XXXX  not mine.XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX duplication 's exceeding 7 years reporting.XXXX  XXXX  Paid agreed. XXXX XXXX never delinquent being paid as agreed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are paid accounts that exceed the 7 year reporting.
Consumer complaint received 2020-02-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (KY)

Spoke over the phone with a representative from Capital accounts and explained I knew nothing about the debt they are claiming. Requested they send the debt back to the original creditor. They told they were not going to to that. And threaten a payment or they was going to send to my credit report. I told them this is willful violation of the law.
Consumer complaint received 2022-06-18
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. (TX)

I have disputed this address as incorrect to Transunion multiple time to no avail. 

Incorrect Address : XXXX XXXX XXXX XXXX TX XXXX My correct and current address : XXXX XXXX XXXX, XXXX TX, XXXX