davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Dear Experian I mail you on XX/XX/2022 regards incorrect the balances being reported by your company are different from the other bureaus, this means the account has not been properly verified. Please delete this account immediately.
Consumer complaint received 2019-10-08
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Unfamiliar things on credit report after selling XXXX XXXX XXXX XXXX Inquired on XX/XX/2019 called couldnt verify USAA SAVINGS BANK Inquired on XX/XX/2019 no new inquiry made on account XXXX Inquired on XX/XX/2019 couldnt verify XXXX  Inquired on XX/XX/2019 no new inquiry on account XXXX XXXX Inquired on XX/XX/2019 called could not verify USAA SAVINGS BANK Inquired on XX/XX/2019 no new inquiry XXXX   CARD Inquired on XX/XX/2019 called couldnt verify
Consumer complaint received 2018-11-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I do not have any credit cards with this company, they are calling 4-6 times a day from numerous phone numbers in XXXX, KY ( XXXX is one of the numbers. I have told them several times to remove the phone number from whoever 's account it is but they continue to call, they tell me they have removed it and the start calling back the following week. This number needs to be removed FOR GOOD and no further calls should be coming to this number XXXX.
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (NY)

XXXX XXXX account XXXX I never received the sim card and never use XXXX XXXX 's service for even 1 minute. I cancelled the account as soon as i realize the t mobile service will not be feasible ( as sim card never came ) Both of their representative were able to prove that and settle my account. Convergent cointinues to send me letter saying i owed them {$120.00} and claimed i used such service. This is false statement and wrong charges.
Consumer complaint received 2019-05-25
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. (IL)

This account is on my report but it does not belong to me. I have given a police report & completed the identity theft report for this fradugelent account. I keep informing Experian that this is not mine but they continue to keep this account on my credit report. XXXX XXXX XXXX XXXX account XXXX does not belong to me & do I have any knowledge of this account or gave any company permission to open an account in my name.
Consumer complaint received 2023-03-27
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX  data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX AV XXXX, CA XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I looked at my credit report on Date, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on Date and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too.

Here are the list of accounts that are not reporting accurately delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-27
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. (LA)

In accordance with the Fair Credit Act the list of Accounts below has violated my federally protected consumers 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 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 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.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

I signed up for AutoPay with Synchrony Bank Sam 's Club. It made a successful autopayment on XX/XX/XXXX. 

Then the system ( with no interaction from me ) un-enrolled me from autopay. When this happened a payment was missed. 

I contacted customer service who had no explanation XXXX XX/XX/XXXX XXXX. Despite having a confirmation e-mail in my enrollment in autopay and I was no longer enrolled. The customer service rep explained it may take several billing cycles to " kick in ''. This does not make since because AutoPay had already " kicked in '' and paid for the previous month. 

They agreed to refund a " late fee '' ( charged XX/XX/XXXX XXXX of {$6.00}. 

There was an interest charge of {$4.00} XXXX charged XX/XX/XXXX ) they will not refund. 

I also paid in full my balance of {$640.00} on XX/XX/XXXX. 

While I am only complaining about a charge of {$4.00}, the principle of being charged this interest due to their flawed system not processing my autopay is downright stealing due to their computer system not continuing my autopay.
Consumer complaint received 2023-03-27
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (TX)

I receive 8 or more phone calls a day from someone claiming to be XXXX XXXX XXXX. They tell me all my info and tell me they are going to serve me with a lawsuit. I have told them to come serve me. They never do. It is from a debt that is over 10 years old. They have even called my husbands ex wife who I don't know and she doesn't know me. They call me at work, they call my husband. They call everyone I know. I call and try to fix it and they play games. They tell me they didn't call me I called them. I ask to speak with the people that call me and they won't put me through without giving them all my info. They have to have to announce the call. No you don't. I say " sue called me I want to speak with her. '' They say " she didn't call you, you are being sued. '' Well someone named sue left me a voicemail. If you give me all your info I will transfer you. This is a joke. I want them to leave me and everyone I know alone. They say ref # XXXX.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 15 USC 1681. 
XXXX  Account # 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 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.
Consumer complaint received 2019-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Been trying to officially closed down an account with Citibank but they are saying due to fraudulent activity they cant close it down. Its been over two years and just today I called and they said it will take three years for it to be closed all the way because of an investigation. Nobody is giving me answers, everyone in the fraud department is very rude and always hangs up in my face. I need some actions ASAP because I cant even open a new bank account because of this.
Consumer complaint received 2019-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-06-20
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. (VA)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anyone. '' The data furnisher XXXX XXXX can not verify the bankruptcy either. So if thats the case How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 


They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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.
Consumer complaint received 2018-11-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My name is XXXX XXXX XXXX, and recently I was offered a modification trial period that simply I was not in a financial position to live up to. However, I can maintain a consistent payment history starting XX/XX/XXXX. Since I am a proud XXXX XXXX  woman, I have always lived a life within the rules when it came to fiscal responsibility. Over the past year I have faced multiple financial set backs that I believe your office will understand what the basis was for the recent financial hardship. 

1. My income from fiscal years XXXX through XXXX shows a drop in yearly income in excess of {$18000.00}. This was caused due to a reduction in overtime with the state of New Jersey. 
2. This past XX/XX/XXXX I was injured at work, which eventually brought on a XXXX in XX/XX/XXXX. This injury to my XXXX was very difficult to deal with on a personal level. My income from workmans compensation was not simply wasnt enough to cover my monthly expenses. That has changed and the attached paystubs show that even with the loss of several months of income, I am projected to earn over {$60000.00} for fiscal year XXXX. 
3. By Bank of America checking my credit you will see that I am now in the process of resolving a few charge offs and several medical bills. Most of these medical bills will be covered when my health insurance straightens out their responsibilities. The posting of medical collections so quickly s a  violation of the Consumer Financial Protection Bureau mandate to all credit bureaus on a XX/XX/XXXX agreement with all three credit reporting agencies that medical collections can not be posted until a 180-day timeline is established. I am filing separate protests on this abusive collection process with the CFPB. 
4. I am now back to work full time and my projections are to settle all charge offs by XX/XX/XXXX, and to start making my Bank of America payments on that date. 
5. I have an individual that is working with me without compensation on obtaining a restructured payment arrangement and possibly a reduction in interest rate. His power of attorney is attached as well. 

I understand that Bank of America is currently associated with two lawsuits based on systematic racism and other levels of discriminatory practices. It is not important to me at this time what the internal problems are with one of Americas largest banks. What I am interested in is being treated fairly in obtaining a modified mortgage with a more reasonable payment option. I am rebuilding my credit and at the same time healing from the XX/XX/XXXX XXXX. My perspective is quite clear, that I have always lived my life with the highest integrity. However, after several set backs that I will not get into other that what was already explained. I am now coming back stronger than ever. 

Please respond back to me immediately. If your office needs copies of my recent medical issues I will forward them immediately.
Consumer complaint received 2019-01-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

I was on a rehabilitation plan to bring my loans current. When that period was up, my payments went up well over {$400.00} with Navient. When I called to lower them, the only option they gave me was to extend the loans, which only lowered the payment by around {$150.00}. I had no choice but to take the option, as I could not afford the payments, even though this wasn't even much lower. I asked about Income Based Repayment plans, and was quickly dismissed, with the rep saying it would be an exuberant amount and that it wasn't worth it. When I asked to go through the process anyway, she told me this new extended amount was the lowest it would be. I took the extended amount, and feel like I was pushed into a corner. I do not feel like I was helped properly. It seems as though Navient benefits more from the extended amount, and therefore did not want to give me the option to choose IBR.
Consumer complaint received 2022-06-20
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX A, 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