davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX  XXXX XXXX/ {$730.00} / XX/XX/2022 XXXX  XXXX HOSPITAL/ {$230.00} / XX/XX/2022
Consumer complaint received 2019-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ECMC GROUP, INC. (FL)

XXXX XXXX at ECMC repeatedly asserts that ECMC is not the " correct company '', yet via email she does have documentation related to my loan. So, obviously ECMC IS the CORRECT COMPANY. 

In addition, I previously attached a copy of one of the threatening letters I have received from ECMC. 

She also claims that I have not made payments on this loan in over a year. That is absolutely false. For years, I have been and continue to make monthly payments to XXXX. 

Once again, I am requesting copies of any and all documentation pertaining to my student loan.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my XXXX family with a XXXX on the way Please remove unauthorized inquiries and account from my credit report As soon as possible
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I sent a letter XX/XX/2021 asking them to validate the bankruptcy information reporting on my credit and I never got any response at all. Per the FCRA the information is automatically considered invalid, if it is not responded to within 30 days and should be removed.
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IN)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX  XXXX XXXX/ {$730.00} / XX/XX/2022 XXXX  XXXX HOSPITAL/ {$230.00} / XX/XX/2022
Consumer complaint received 2024-05-31
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (IL)

I filed a complaint to have Navient send me the application for discharge due to school misconduct and was denied the application because I consolidated my loans to be able to afford the payments. However, I consolidated my Sallie Mae/Navient loans with Navient ; not another loan company. Due to holder law, my loans should still be eligible for discharge due to school misconduct. This response from Navient denying me the application is unacceptable as my school has been found to be a listed school investigated for misconduct of the XXXX XXXX XXXXXXXX case and I have a pending XXXX XXXX XXXX application as a post-class member for my government loans. I would like a copy of my original promissory note signed by both myself and my school from Sallie Mae which was acquired by Navient and my loans consolidated with Navient. Navient did send me documentation of my consolidation but not my original promissory note for my loans through my school, Sallie Mae/Navient XXXX My consolidated loans are the original school loans I was pressured into taking through my school misconduct. It should not matter that they were consolidated nor should the private loan type prevent discharge and refund due to school misconduct along with misconduct from both Sallie Mae/Navient with my school, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

My consolidated private loan is my original loans I was pressured into taking through Sallie Mae/Navient and my school that has been investigated for misconduct and a named school in the XXXX XXXX XXXX case that I am a XXXX member awaiting discharge for government loans. My private loans should be included in the Navient school misconduct discharge and the type of private loan should not matter. 

I was told by a Navient loan service employee, XXXX XXXX, employee # XXXX on XX/XX/24 on the telephone that I was eligible and would receive the application for school misconduct discharge " pilot '' program in XXXX weeks in the mail. When it did not arrive, I filed a complaint with the Consumer Financial Protection Bureau. Only then, after another phone call did Navient change what they told me and say I was not eligible due to loan type. The CFPB complaint was pending, so I waited for their response which is that my loan type is not eligible. That is unacceptable as these are the original loans consolidated from my school investigated and found to be guilty of misconduct as per the XXXX XXXX XXXXXXXX case.
Consumer complaint received 2022-04-13
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. (LA)

FRCA Violation personal information XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX FRCA Violation auto loan XXXX XXXX XXXX XXXX XXXX LOUISIANA XXXX FRCA Violation credit card XXXX XXXX FRCA Violation other loans XXXX XXXX, XXXX. 
XXXX  XXXX XXXX FRCA Violation hard inquiries 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 FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (IL)

I retrieved my credit report and I noticed several inquiries that I did not authorize. I sent a letter to the credit bureaus about these inquiries. I never received any response.
Consumer complaint received 2017-08-29
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. (FL)

Experian continues to report inaccurate information even after I submitted proof that it is erroneous! This information reporting is INACCURATE, INCOMPLETE, and it has been changed several times stating that my monthly payment was {$530.00}, {$510.00}, {$67.00}, and now {$92.00} dollars. Also, all the previous good payment history was all deleted. The amount stated past due over {$10000.00} owed last month, now its stating {$9300.00}. This new wrong amount is stating that I am 180 days behind as of XXXX 2017 and this is going to negatively impact my Credit Score very badly and may cause my Credit Score to drop over XXXX points!!! I ca n't afford to take another hit on my Score because of them refusing to obey FCRA Rules & Laws and to report correct and accurate information!! What they are doing is illegal!!! They have clearly broken several Federal & State Laws! When you review the documents attached, you will clearly see that they are not in compliance and need to be reported and perhaps sued! 

One of the biggest discrepancies are that on two ( 2 ) different Direct Experian Credit Reporting Systems and Reports they have different information, open dates, and amounts being listed! This is clearly grounds for this inaccurate account to be DELETED IMMEDIATELY! This account & it 's errors are stopping me from getting the necessary emergency funding for me & my family! Please see the copies of proof I have of my Credit Reports showing a very serious issue with their reporting and also please see proof of XX/XX/XXXX from both Reports for Experian.com & XXXX.
Consumer complaint received 2022-10-16
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. (TX)

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. has violated my rights. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX  Account XXXX XXXX Account name : XXXX XXXX Account # XXXX-XXXXXXXXXXXXXX Account name : XXXX XXXX XXXX Account # 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 2023-07-04
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. (TX)

Illegal posting of my credit report. Violation of my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 also states that a consumer reporting agency CAN NOT furnish my written a account without my written instructions.
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX Account 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 2017-08-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (AZ)

My bill is only 5 days late, and in those 5 days XXXX has been calling me non stop. I received at least XXXX calls a day in the last 3 days alone. 

I spoke with a representative XXXX on XXXX/XXXX/XXXX at XXXX and advised her to stop calling me and to notate my account that I do not want anymore calls. 

Since that time I received another call at XXXX. The next day, XXXX/XXXX/XXXX I received a call at XXXX.
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (VA)

Im accordance with the Fair Credit Reporting act Upgrade # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A States I have a right of privacy.

15 USC 1681 604A section 2 it also states a consumer reporting Agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-13
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. (VA)

Im accordance with the Fair Credit Reporting act XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A States I have a right of privacy.

15 USC 1681 604A section 2 it also states a consumer reporting Agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-13
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)

The Fair Credit Reporting Act outlines the rights that Identiy Theft Victims and those who believe they are victims have the RIGHT to BLOCK FRAUDLENT INFORMATION FROM THERE CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT BLOCK AND REMOVE THESE TRANSUNION FRAUDLENT HARD INQUIRIES XX/XX/2022 XXXX  XXXX XXXX Transunion
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

J.P. Morgan Chase has repeatedly failed to refund a credit card credit balance in violation of 12 CFR 1026.11 ( a ) ( 2 ) despite repeated written requests.
Consumer complaint received 2022-04-13
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. (IN)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX  / {$5400.00} / XX/XX/2022
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 information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Back in XXXX I went through a nasty breakup with my ex. Later found out that my ex stole my identity and changed my address information and long story short some of my accounts ended up going delinquent because they bills were being sent to an address that I was not located at. When I found out about it I was able to rectify the situation. Citizens Bank got me set up on a repayment plan for my student loans but then ended up charging off my accounts in XXXX. Since then I have been paying faithfully on my accounts, triple if not more than the required monthly amount. I paid one account off in full and am still paying one account monthly. The account that I am still paying on is causing issues. Back in XXXX when they charged off the account they entered a " {$0.00} '' balance for what was owed. Never thought anything of it although not my problem since I'm not Citizens bank and I don't know what they are required to report. Just recently I went and checked my credit and noticed that my credit took a XXXX point hit because 7 years later, now XXXX they decided to go in and magically update their record and update the balance of my account. Coincidence that the account is going to be falling off my credit in XX/XX/XXXX? I called them XX/XX/XXXX and when I called them the woman on the phone was very rude and she told me that they are allowed to go into my account anytime and update the balance whenever they want. If that was the case, it wouldn't take them 7 years to find out that they screwed up putting in a {$0.00} balance. I asked why in XXXX a {$0.00} was put in and the woman said it was a coding error. I stated that was unacceptable and that someone needed to fix this. She said that there was nothing they could do and it is what it is. No, that's unacceptable. I've busted my butt to rebuild what my ex did to me for the past 7 years and got my credit up to where it is today and Citizens Bank is now XXXX with me and this needs to be fixed and my credit needs to get back to where it is. I'm in the process of buying a house and this will royally XXXX my options of getting my house if they don't fix their error. I have disputed the account with the credit bureau and they have since stated that they are deleting the account from my credit but I want the creditor to fix their mistake and take responsibility for an error they made 7 years ago. They can't act all nonchalant about it and put the blame on me. I've been paying faithfully for years and they get no responsibility. I'm tired of banks taking advantage of people like this.
Consumer complaint received 2022-10-16
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. (NV)

XXXX XXXX, ( Debt Collection Agency ), has been constantly harassing me with numerous calls at various hours of the day/night while not only when Im at home, but even at work where I told them not to call during my work hours! My credit account with XXXX XXXX, ( Debt Collection Agency ), was disputed with all 3 credit bureaus. After XXXX investigation into the account they deleted their debt collection from my credit account ; however XXXX & Experian both claim I had disagreed a Correct debt with XXXX XXXX and refuse to take the collection off my report even when it was proven to be deleted by XXXX investigators/investigation claim/dispute! Through just the week of XXXX XXXX XXXX has contacted me a number of +9-10 times throughout the week under their number of ( XXXX ) XXXX from XXXX XXXX, SD as well as calling during my work hours when I specifically told their company not to do so. This is in clear violation of the harassment code of the Fair Credit Reporting Act and I would like their collection removed from my account like XXXX team has wonderfully done and want the harassment by their company to end!
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services (MD)

Inaccurate late payments are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate that the late payment marks be off this account as soon as possible.
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Illinois Collection Service, Inc. (IL)

I sent a letter XX/XX/2021 asking them to validate the debt for this collection account reporting on my credit and I never got any response at all. Per the FCRA the debt is automatically considered invalid, if it is not responded to within 30 day and should be removed.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc ()

Hello I'm having troubles with PayPal. I was having an account from 2018 and when i decide to reuse it and update my Informations there, I noticed that i can't change my address or add my company details. 
I Contact the Support team, they said to me to close it and reopen a new one, that's what i did. 
and when i Create the new one a found it immediately limited without any reason, i send them my ID card, my company papers. the girl on support team told me that she send a notice and they will open it for you but no response.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX XXXX XXXX is trying to get paid for an account that I paid in full when i recieve the first bill. 
They sent me a letter that I own {$240.00}! This is false beacause I paid my bill in full and I have proof of this payment. They try to ruin my credit reports record!
Consumer complaint received 2024-06-06
Product: Credit reporting 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. (TX)

I first contacted Equifax about receiving the BLNK error on my first login XX/XX/XXXX of XXXX, after I physically mailed them all of my updated identity documentation ( legal name change via courts, followed by last name change via marriage license ). 

I like to keep a close eye on my credit, and I do not have access to my information online because of an error that the website claims can be fixed by calling their support line, which I have done multiple times. I have also emailed them several times since the first time. 

Out of that time period, I have only gotten 2 emails back, saying " we're working on it '' or something to that effect. Otherwise I am entirely ignored, while being regularly offered upgrades to Equifax Complete Premier. Why would I upgrade when the base product won't even work, and customer service won't even respond? 

Over the phone, they offer periodically to send me my credit report, but that is ridiculous. I should be able to access it like any other person with an Equifax account.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (DC)

I had a legal name change in XXXX. Part of this process was canceling my old debit card and had a new one issued, in my correct legal name. On XX/XX/XXXX I received a replacement for the canceled card, issued in the not-legal name. I did not receive notice of this card being issued. It just showed up in the mail, under my old name. 

My prior information was expunged on my account. They issued a ready to be activated debit card on a canceled card, to the last information available at that card ( Name, address, expiration date ), rather than any information on my account. I got no notice of it sent by mail, email, or electronic record within my banking account where notices are sent. Again, the name on the card is not for a legal name.