davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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. (CA)

My Federal rights have been violated repeatedly by EXPERIAN on XX/XX/2022 XXXX XXXX Account XXXX was DELETED on EXPERIAN which XXXX have uploadedx proof. 
Experian has ILLEGALLY REINSERTED A Fraud account without anything in writing or proof of verification method this is ILLEGAL A Reporting Violation has been Found They responded to my CFPB on XX/XX/2022 and the unverified information had already been deleted. On XX/XX/2022 they opened an online dispute and reinserted XXXX XXXX on that day this is illegal .why would they system show 4 open disputes on the same day XX/XX/2022 all disputes closed that same day. I have uploaded proof of previous disputes with dates and proof it was deleted on XX/XX/2022. I have rights as a consumer please investigate Experian for this please and thank you. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion Dont forget they closed the dispute same day it was open
Consumer complaint received 2016-01-18
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Campus Student Funding, LLC (VA)

My complaint is for XXXX of XXXX, PA once a part of XXXX Colleges that forced me into getting a XXXX loan from XXXX XXXX XXXX. I have submitted a complaint in the past about my XXXX loan and have gotten no with it and now my loan was sold to another private lender Campus Student Funding LLC at XXXX XXXX XXXX XXXX. I have making payments none stop for almost 4 years now and my balance is actually higher now then it was when i was in school and from when i graduated in XXXX 2012. These high interest loans and the high cost of XXXX in general put me so far in debt that I was not eligible for a mortgage because my debt to income ratio was too high. Even with close to a XXXX credit score the loan officer was not able to help me. I pay all my bills on time but here pretty soon I 'm not gon na be able to afford the genesis loan that is now with the other loan servicer. This was unfair practice on the part of XXXX colleges and the XXXX lenders and now four years later I am still suffering from attending there. I never received anything saying that the lawsuit against them would help reduce my debt. I think XXXX sold the active accounts before they were able to be reduced. I think my loan should be reduced since i have not missed a payment since XXXX of 2012 and my balance is even higher now then it was when i graduated.
Consumer complaint received 2024-05-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One issued me a credit card after receiving my consumer credit application. The application represents a note that is used for profits by Capital One. Capital One claimed to have charged the account off due to non payment but failed to pay me for my investment into their establishment. Investors are entitled to the compensation for their investment into these public traded comp. Capital One keeps responding that someone will reach out to me pertaining to my claims but no one has responded nor called back and the number that they ask me to call is a medical number for some type of insurance. This is my final attempt to get compensation for my security that Capital One is making money off of since they closed my consumer credit line. If you do not understand securities laws I urge you to consult your legal department you have XXXX days from the date of this complaint to forward my compensation from the monthly trading of this account.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint number XXXX, XXXX. I previously submitted a CFPB complaint on XX/XX/22 and I have not gotten any correspondence back from XXXX as it pertains to the investigation results. This causing me to suffer financially as I am not able to get financing and or favorable interest rates. This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It 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. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened not the same on all XXXX CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date last active not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I received my dispute results from Equifax stating the XXXX inquiries from XX/XX/2020 and XX/XX/2020 have been deleted from my credit report. 

However the inquiry from XX/XX/2020 is still reporting and was never removed.
Consumer complaint received 2022-12-15
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. (SC)

My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with federal peace officers pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate/fraudulent inquiries I have listed immediately, the following includes : XXXX XXXX : XXXX XXXX, 2022 XXXX XXXX : XXXX XXXX, 2022 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 handwritten instructions.
Consumer complaint received 2019-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (OR)

There was a account open fraudulent so The Bureaus got that account in collections. I called them after many letters and I settle that account and paid {$260.00} on XX/XX/2017. They sold the settle account to another company and they want me to pay {$340.00} to settle it again. They have harassed me over the phone. I am XXXX and Last year I XXXX my baby from XXXX and I do not want to happen again. I paid that account and they are a dishonest company because they got the money and now pretending that they never got a payment. I need your help to solve this situation.I get hundreds of phone calls and when I speak with them its horrible how they treat me and make me feel like if I don't pay something bad will happen to me. I'm worried about my baby. Please just make them see that i paid that debt 2 years ago. Please just make it go away. God knows I paid that debt that was open without my consent. Please I beg you for help. I can't take any more of their phone calls. I am not working and I can not pay what they ask but that account should be close because I paid it 2 years ago.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2018, {$21.00} was charged on my credit card. I was interested in looking for a free credit score and found TransUnion advertising one free credit score. I signed up and gave my credit card info thinking it was for credit score report purposes since there was nothing saying that I would be charged. I was doing all of this on my  phone. I did not realize I was charged until my credit card company ( XXXX ) notified me via text. I immediately searched up why I was being charged and also got an email saying I had purchase a subscription which I clearly didn't. I immediately tried to cancel it. I also called TransUnion who refused to help me saying that I bought a service. I opened a dispute with my credit card company. 

They refused to refund me even though their service was falsely advertised as free. I've since cancelled my subscription but they would not delete my information. As you can see, https : //www.transunion.com/XXXX at the top it offers a free credit score. When I was signing up, there was no page that said I would be charged. I
Consumer complaint received 2021-02-17
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 had a loan with XXXX in XXXX to XXXX but on XXXX was affected for XXXX, and I was out of work for a month this month XXXX I didn't send my payment but I call XXXX and explain, XXXX got back to work and I start paying and I finished, but this year I'm planning to get a mortgage loan, and I know it's that XXXX report like 5 months late payments, i called XXXX and they told me that they will make the update so I opened a dispute with TransUnion, I wait and wait but they didn't send a letter or something, so I called and they said that dispute was closed with no change, but I request information like papers or something from the investigation and they said nothing that they can do, I need this account removed from my credit score asap.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them, take this off XXXX - ( ORIG CREDITOR : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (OH)

I received a bill on XXXX/XXXX/19 from Synchrony Mastercard stating that I owe {$29.00} and that {$27.00} is past due. I do not remember making any purchases on this card and had not seen a bill prior to this one, so around XXXX on XX/XX/XXXX I visited the website and attempted to log in, but got a message saying that the information was incorrect. I tried to use the option " find user ID '' but received an error message telling me that my account number and zip code were invalid. I attempted this option a few more times in case I had entered any information incorrectly and each time got the same result. I also attempted to use their online chat option. It gave me a " virtual assistant, '' that told me it couldn't help me and when trying to connect me to a representative told me that no one was available. At XXXX XXXX I called the customer service number listed on the website ,XXXX. It took a couple of minutes to speak to anyone because the automated service also did not recognize my account information, but eventually I spoke to XXXX at this number. After giving XXXX my information he informed me he couldn't help me but transferred me to XXXX, where I spoke to XXXX. When I gave XXXX my information he told me I would need to speak to someone in internal review. He transferred me, but also gave me the number, XXXX. This number rang a few times and then the call disconnected. I attempted to call this number back at XXXX. It rang, connected to dead air, and then the call was disconnected again. At this point I attempted another number XXXX, where I talked to XXXX. She informed me that she was unable to help me due to the type of card I held, so she was going to transfer me to someone else. Before she transferred me I explained that I understood she couldn't do anything, but I told her I had been unsuccessfully trying to contact someone and asked if I could have another number to someone who would have access to more accounts or that could better help me. She connected me to another number, but also gave me the number XXXX. After she connected me to the other number it disconnected. At XXXX I attempted the XXXX number. This number did not connect me to a person, but instead listed off several offers that it said, I " might qualify for. '' at that point I began searching for other contact information and then found the XXXX site. After finding the XXXX site I no longer attempted to try to contact the company on my own.
Consumer complaint received 2019-10-11
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (PA)

Navient Solutions , LLC . has contacted several of my family members about my student loan debt. They have contacted people that I do not speak with just because they have the same last name as me. I spoke with Navient and informed them that I lost my job and was denied unemployment and as a result would not be able to make my payments. As a result of this, I was asked if by one of their representatives if " a family member would lend me money to pay it? '' My family has nothing to do with my loans as they are not cosigners, and were not listed as references on my application. The Fair Debt Collection Practices Act states that " A debt collector is not allowed to contact a third-party more than once unless requested to do so by the third party ''. My family has received multiple calls from Navient and never requested to be called again. If this continues, I will tell them to pursue a claim against Navient for abuse or harassment.
Consumer complaint received 2021-12-01
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: Experian Information Solutions Inc. (LA)

I SENT XXXX LETTERS TO XXXX, XXXX AND EXPERIAN. THEY HAVE NOT RESPONED TO REMOVE ANY OF THE ADDRESSES. IT HAS BEEN OVER 60 DAYS AND I NEED THEM TO REMOVE THE INFORMATION ASAP INSTEAD OF SENDING ME A CREDIT REPORT OR I WILL GET MY LAWYER INVOLVED.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am very concerned regarding the serious possibility that the Three Credit Bureaus did not conduct a reasonable re-investigation concerning my dispute dated XX/XX/2019, to determine if the disputed accounts are reporting accurate information. The bureaus verified XXXX XXXX XXXX, and XXXX XXXX are reporting correctly. 
How can this be ... ... .when reviewing the accounts on my credit reports # XXXX, XXXX XXXX XXXX and there are several inaccuracies. 
1. XXXX XXXX XXXX and XXXX and XXXX  accounts are reporting under the Other Accounts section which makes the collections accounts report as a trade line with an account history. 
2. Incorrect account type listed as Open. 
3. Incorrect Account status as Collection Account 4. Indicating closed in parentheses does not make it a closed account ... .there must be a closed date and something reported under the Activity Designator. 

According to the Metro 2 guidelines XXXX XXXX XXXX and XXXX and XXXX are Third Party Collection Agencies, whether it be Debt Purchaser, Factoring Companies, Debt Buyer or Attorney these accounts can only report certain information and should be reporting in the collection section of any credit report. 
1. Debt Collectors are only allowed to to report 3 account type codes which are 48, 77, and OC. 
2. Also, Debt Collectors can only report the ACCOUNT STATUS codes of 93, 62 and DA
Consumer complaint received 2018-05-04
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. (CT)

To Whom It May Concern, This letter is regarding an inaccuracy in my credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX on XX/XX/XXXX ) 2. ( XXXX on XX/XX/XXXX ) 3. ( XXXX on XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX on XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/2019 Equifax received my dispute letter in reference to numerous medical accounts that show on my report. My letter was quite specific when I asked for " documents '' or the 'Method '' used to verify these so called debts. I received a notice back just stating " Verified '' with no information on how it was verified. No documents, no method, no name of system of verification. 
Firstly, I am allowed under the Health Insurance Accountability Act to protect my privacy and medical records and did not give any permission for my records to be reported. Secondly, " verification '' is confirmation of correctness, truth or authenticity by affidavit, oath or deposition. Equifax must be able to produce documentation that that this debt belongs to me and yet they have not provided as such. 
Under the FCRA consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. 
I am requesting Equifax delete these accounts they are reporting as they can not produce verification.
Consumer complaint received 2019-10-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Naviet aka predatory leading got my account that was originally with XXXX. I tried countless times to lower my payment. XXXX XXXX XXXX XXXX is closed and no longer in existence. Navient took my 2015 tax return of {$3300.00}. My loan amount was {$5000.00} it went up to {$10000.00} dollars in less than 5 years. This company is praying on peoples wallets this can not be legal. I seriously need some help.
Consumer complaint received 2019-10-11
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. (TN)

In XXXX of 2019 I contacted XXXX XXXX XXXX services to resolve a long outstanding debt. They informed me that the statue of limitations had expired and that they would be doing a write off / charge off of this debt. During XXXX of 2019 there were some changes reflected on my credit bureau reports but there remained some inaccuracies. I disputed those with the bureaus as they were showing incorrectly. On XX/XX/2019 I received alerts from all three bureau 's as to changes to my reports. Upon investigation now ALL THREE bureaus are reflecting incorrect information. I called XXXX XXXX XXXX services today and they state that the accounts are closed and with XXXX  balance. ALL THREE of my reports show one account as still open and both accounts with outstanding balances. 

I am currently under contract to build a home. If this inaccurate reporting is not corrected I will have to pay higher interest rates and suffer financial damages from this inaccurate reporting. I have filed multiple disputes with all three bureaus over the previous months and yet this incorrect information has not been corrected.
Consumer complaint received 2018-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit Bureau, Inc. (SC)

Around XX/XX/2017 I had a medical debt removed from my report by XXXX XXXX that did not belong to me. The debt was in the amount of XXXX. I have a credit monitoring service and the same collection has been placed back on my report by a different company called XXXX XXXX XXXX. 

I have no idea who this company is nor have they ever contacted me before placing this bogus unverified debt on my credit report, causing damage to my score.