davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. This is simply not true. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.
Consumer complaint received 2018-12-06
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 — Their investigation did not fix an error on your report
Company: Collection Resources, Inc. (FL)

XXXX  has been non-compliant with removing the unverified account COLLECTION RESOURCES INC Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that COLLECTION RESOURCES INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (FL)

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. This creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2018-12-12
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. (IL)

I am a member of Experian 's Protect My ID identity theft protection and have been for a number of years. 

My problem started a week ago when I got an email from Experian telling me that my account has been updated. ( I did not update anything in my account ). 

So I click the link to log in and the Experian system doesn't know who I am. Says it doesn't know anyone with my email address. 

See below. 

I attempted to log in, reset my password, made phone calls to 10 different numbers associated with Experian. The computer answers the phone and most recent said my wait time was between 8 and 12 minutes. After 1 hour I hung up. Nobody ever answers the phone or replies to my emails and I never get the password reset link. 

I need to get this straightened out.
Consumer complaint received 2018-12-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NY)

I keep getting calls from XXXX XXXX XXXX about a debt owed. I pay all my bills on time and do not owe anyone anything. I haven't called the company back as I looked online and people that did call where abused verbally. Also, from what I read online that did not stop the calls.
Consumer complaint received 2018-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX XXXX $ XXXX/date over 6 years the second one portfolio recovery for XXXX  {$650.00} was victim from fraud in the past 8years ago
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (CT)

I tried closing my XXXX XXXX card with Barclaycard several months ago via chat, but was unable to. I tried again today, and was informed that I won't be able to close the account and get a refund or prorated refund of my annual fee. I was informed that I would need to wait until XX/XX/2019. I was also informed that XXXX months have passed since I paid the fee, which is completely false. The fee was assessed XX/XX/XXXX. My bill was not paid until XX/XX/XXXX. It's the beginning of XX/XX/XXXX. My fee has only covered benefits of the card for XXXX months. I haven't used this card, and I receive better benefits by flying XXXX XXXX several times per month. I do not plan to use this card, and want to close it. Barclaycard will not close my account, and will not give me back at least a prorated amount of the fee or reallocate it to a different card.
Consumer complaint received 2018-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

I filed a complaint on Monday XX/XX/XXXX, I provided information and minimal documents. It was received and followed up with a false statement from XXXX XXXX. As of today I have new information to provide that will prove my point and complaint! Just got an email from a credit bureau notifying me my credit score just went down 135 points in the last 24 hours because of XXXX XXXX, SO, I called XXXX XXXX  and spoke with XXXX   ( employee id XXXX ). Guess what? I explained to her everything I have been since calling back in XX/XX/XXXX to report losing my job, the calls I've made, the calls I've received explaining my situation to every time. During that time not one customer service representative offered any solutions, input, etc ... till XX/XX/XXXX. In XX/XX/XXXX I was told to go online and do the IDR/Forbearance form and send it. Well I did! First week of XX/XX/XXXX I spoke to XXXX  ( XXXX  ) and she notified me it was taken. So AGAIN I explained my situation to her. At that time she told me she would make note on my account, send me out a dispute, AND IDR by mail. Just received it TODAY XX/XX/XXXX when on the letter its dated XX/XX/XXXX. XXXX ( XXXX ) called me a week after and AGAIN I explained my situation to him and told him XXXX made a note in my account. XXXX informed me there was no such thing. Back to today, about an hour ago. I explained my situation to XXXX  ( XXXX ) as I have done so many time since XX/XX/XXXX to numerous attempts to resolve, ask for help, etc ... Guess what she just did for me in a matter of minutes over the phone? SHE PUT ME INTO THE INCOME DRIVEN REPAYMENT PLAN, RESOLVED WHAT I'VE BEEN TRYING TO ACCOMPLISH SINCE XX/XX/XXXX ON. Your customer service need to be retrained, come to work AND work! Do their jobs! And be able to do what XXXX did in minutes, This all could of been taken care of long ago if your customer service acted as XXXX did today, I FINALLY got someone who knew what to do, and did it. NOW, I'm not going to stop there. I'm going all the way with this, I refuse to accept my credit score dropping 135 points because your staff doesn't want to do their jobs. I'm the one whos suffered, I'm the one who's tried taking care of this long ago, I'm being responsible in doing everything since day one to handle this. XXXXXXXX XXXX  has not! Now I'm stuck with a credit score that's unacceptable to me, my other creditors, and any plans on buying a house in the future, private loans, etc ...

XXXX deserves recognition for her work today with me! The rest of the customers service representatives I've dealt with in the past need to be terminated immediately!
Consumer complaint received 2021-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (FL)

I made a payment in person today XX/XX/XXXX with cash at the XXXX, Maryland Chase Branch in the amount. Has this been received? There should not be any late fees. Please answer this directly in writing. Please also provide a copy of the payment history showing this and a current written payoff letter. Attached is the receipt from todays payment. It was for a XXXX XXXX  XXXX XXXX. Thank you.
Consumer complaint received 2018-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

i am going to waste my time once more to ask for help against XXXX credit card company. I had to close my excellent open account with 0 balance that I had for many years, because XXXX would not allow me to protect myself from fraud by locking acct. So I asked to close acct., now I try to get updated credit bureau report from Transunion , but my XXXX card is no where to be reported, it was there in XX/XX/XXXX. I call Transunion they say there is no record of it and I need to call XXXX to get it reported. I call XXXX, get transferred to XXXX, who tells me, IT IS MY FAULT THE CREDIT BUREAU REPORT WAS REMOVED, BECAUSE I FILED WITH CFPB AND SHE IS SORRY BUT THERE IS NOTHING SHE CAN DO TO GET IT REPORTED TO TRANSUNION. THIS IS EVIL! JUST BECAUSE I TRY TO REPORT WHAT THIS EVIL CO. DID TO ME, THEY HAVE THE RIGHT TO NOT REPORT MY EXCELLENT CREDIT HISTORY? IF I NEVER PAID MY DEBTS, IT WOULD BE REPORTED AROUND THE WORLD, BUT SINCE I WAS NEVER LATE & PAID OFF THOUSANDS OF , THAT SHOWS EXCELLENT LOYALTY & INTEGRITY. THE LAST SMALL BIT I HAVE LEFT. THESE COWARDS HAVE THE POWER TO COMPLETELY ERASE IT FROM MY CREDIT REPORT.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I requested an investigation into matters that I felt to be fraud, erroneous, and falsely represented in a letter sent to the creditors listed below on XX/XX/2023. I have yet to hear back from anyone. In my opinion, this is not just a delaying ploy to give me another 30 days to comply with my first request, but it also clearly violates 15 U.S. Code Section 1681i - Procedure in case of disputed correctness.

My credit file has been receiving erroneous and incomplete account information from your credit reporting organization. I'm upset.
Consumer complaint received 2023-04-10
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. (NJ)

Issue # 1. Insufficent Investigation Violation of FCRA : Unfair ( A proper investigation would have revealed that it was not my account ). 

XX/XX/XXXX After a review of my credit report, I discovered that a XXXX XXXX account was opened fraudulently without my authorization. At that time. I filled out a police report and FTC Identity Theft Victims Complaint and Affidavit. ( See both attached reports ). 
After another review of my recent credit report, I noticed that this fraudulent account is still on my credit report and unfairly negatively impacting my credit score. 

XX/XX/XXXX I wrote a letter to XXXX requesting that they validate and investigate this account because it is not mine. ( See attached report ). 

XX/XX/XXXX XXXX sent me back a correspondence indicating that above referenced account had been validated. How can this be when I never authorized or submitted an application for this account or card. XXXX did not provide me with any documentation or contract with my signature on it requesting to open an account, or any other documents that prove I opened this account. ( See attached letter ). 

In my letter XX/XX/XXXX letter to XXXX I specifically asked to see confirmation of a contract with my signature authorizing this account to be opened by me. XXXX wrote letter back to me on stated that their investigation was verified without any information or documentation as requested by me. 

My respectful request is that CFPB assist me in having this XXXX XXXX deleted from all three major credit bureaus because I did not open or give permission to anyone to open this account in my name. I am a victim of identity theft. This account is further victimizing me as is negatively impacting my credit score.

Issue # 2 Inaccurate and Incomplete Information on Credit Report Violation of FCRA A review of my credit report reviews that it is inaccurate in the following areas for the XXXX  XXXX account which is attached hereto : ( See page # 14 of attached credit report ) 1. Date Opened- XXXX XXXX Experian and XXXX all have different dates opened reporting 2. XXXX XXXX, Experian and XXXX all have different high credit amounts reporting 3. Last Date Reported-XXXX, Experian and XXXX all have different last date reporting 4. Date Last Active- XXXX XXXX Experian and XXXX XXXX have different date last active reporting 5. Date of Last Payment- XXXX and Experian have a different date of last payment reporting than XXXX does. 

Accordingly, Pursuant FCRA, I am respectfully requesting that this account be deleted from XXXX, XXXX and Experian Thank you ***All reports mentioned are were uploaded to this portal
Consumer complaint received 2021-10-15
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. (NV)

The week of XX/XX/XXXX, called equifax to get access to my credit report as no lenders have been able to access my credit report because of some hold. 

I have contacted the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX. On XX/XX/XXXX, they told me to check Friday as the documents to verify myself should be in. 

I have went through countless verifications, sent in the documents they have requested by fax and still I can not get access to my credit reports. The documents that I sent were my drivers license, a cover letter explaining what I need done, and also a photo copy of my social security card. 

All I want is access to my credit report and for lenders to have access to my credit report.
Consumer complaint received 2018-12-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion impeded Mr. XXXX ability to dispute a negative information and it is the only negative item that was added by Transunion and/or accepted by Transunion despite they knew now the fact that collection was in violation of the FCRA by Transunion and the collection. Transunion blocked Mr. XXXX from disputing that collection as you can see its name on one of the attached files along with the other files that support the immediate deletion of that collection is imminent to comply with the FCRA. Transunion added an unthorized address to Mr. XXXX credit file. Transunion knee that XXXX already deleted that collection that violates the FCRA.When Mr. XXXX found that Transunion blocked him from using the Transunion online dispute process ( Transunion in a recorded call confirmed this information and this is a discrimination with malicious intent to impede a customer to dispute a collection properly and win ) because Transunion knew if they let Mr. XXXX   to use that online dispute process without restrictions he would win and Transunion would had deleted that collection by now. Transunion now is served through this platform the attached files that were already sent to Transunion by they trashed them or ignored them and Transunion to explain why they did that in violation of the FCRA.Transunion must delete that collection immediately and permanently and comply with the law. The attached files reference to a Mr.XXXX   specific Transunion credit report number. Included also the name of the collection. A XXXX XXXX   banks Letter confirming that Mr. XXXX and XXXX XXXX never stopped or blocked or any adverse action toward XXXX from getting paid for any account that Mr. XXXX has with XXXX and knowing that any account that he had with XXXX if any had auto payment from same XXXX XXXX credit account that it is still open and never changed and always had over {$4000.00} available for XXXX   to get paid If they wish to and XXXX should never sent any account that they have for Mr. XXXX to a collection. XXXXXXXX Account statement states clearly do not pay because auto payment is set up for Mr. XXXX Account. Therefore, the collection must be deleted and Transunion must delete that collection or face serious legal consequences.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: U.S. BANCORP (NJ)

XXXX XXXX of XXXX XXXX fraudulently had me fill-out a credit application stating that's the only way they legally could sell me a car ( I had declined to fill it out five minutes earlier ) and so your institution illegally accessed my credit via a hard inquiry with XXXX. I had declined XXXX XXXX XXXX credit and offer to match the financing through XXXX of XXXX months at 2.64 % and XXXX XXXX   XXXX XXXX at XXXX XXXX submitted them anyway.
Consumer complaint received 2018-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

On about XX/XX/2018, I tried to secure a pay day loan using my banking routing and checking account number. When I tried to log into my account, a pop-up number appeared for me to call the bank. As I spoke to the representative over the phone, he informed me that the bank has determined that my account must be closed within twenty days and that I can no longer be a client ever with them. I thought there was some mistake so I went into a nearby branch office to find out what was going on. The gentlemen at the branch said that you probably just need to change your username and password ; which he was getting started on when he received a call from the main headquarters letting him know that the account will be closing in or about twenty days. All I was told at the branch was that there was some suspicious activity on the account which translated as someone acting on fraud. When I was shown my account by the banker, I didn't see any suspicious activity on the account. I can only conclude that I was a victim of a scam for a cash advanced loan. The following week, on XX/XX/2018 I got a call from my loan institution telling me that all my payments from XX/XX/2018 have been returned to them as not been paid. I called Chase Bank to find out why and they have refused to give me any information and have said to me many times that " no matter who you talk to, everyone will tell you the same thing. That Chase reserves the right to explain anything, and that your account will be closed in twenty days ''. This has been very frustrating, I have been a loyal client of Chase Bank for many years, and no one wants o give me any information regarding the status of my account that's ended or transfer me to someone with the information regarding the returned payments to my loan institution, XXXX XXXX XXXX. I'd like this matter to be resolved as soon as possible and continue banking with Chase, however I feel as though I am being attached and punished for something I am unaware of.
Consumer complaint received 2018-12-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I have one XXXX account with a balance of {$840.00} which I have no knowledge of the account, I sent a dispute letter to the 3 credit bureaus ; only XXXX who removed the account because the creditor was not able to provide 100 % proof that the account belong to me. But XXXX   and Experian refuse to delete it. I sent more than 3 round of dispute with them even send them a copy of XXXX deletion still they refused. Then I sent a letter requesting fro proof of their investigation, asking how did the verified the never send me a proof. So on XX/XX/2018 I decided to request a verification from XXXX, on XX/XX/2018 XXXX couldnt proof it ether was mine, because they just send me a snapshot of past due bills. No contact bearing my signature, which they should have as a original creditor. I call they XXXX  and Experian told them to delete that account because the original creditor ( XXXX can not proof me that the account belong to me ) therefore must be delete immediately. Also ask them why? And how they been verified it if the original creditor doesnt have the original contact. XXXX  and Experian still do not want to remove it even though XXXX  did. I need your help to get it of my credit report because it hurting my credit rating. I attached the documents received from the original creditor no contract at all. Under the FDCPA and FCRA the credit bureaus must investigate and make sure the information is 100 % accurate. They credit bureaus failed to comply under FCRA.
Consumer complaint received 2022-06-13
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)

In accordance with the ( FCRA ) Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, have all 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.