davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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. (GA)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX -XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ''
Consumer complaint received 2022-06-14
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. (GA)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-03-24
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. (TX)

I discovered this new account on my collections report and this information is incorrect! This college continues to sell this negative account to different debt collectors giving my PII to random companies and I do not owe this debt! this is my second time disputing this same information and I will be seeking legal action for fraudulent charges. I do not owe this college any money I withdrew the correct way I returned all materials and I have never stepped foot into any of their classrooms this is a fraudulent charge and I refuse to pay or have this negative information reported on my credit report. I demand a written contract with information that states I attended and owe this college AND this collection money with verifiable proof ie, dates and contract with my signed signature this is a violation of the FCRA and I demand to have this negative information removed my report. Dated XX/XX/2019
Consumer complaint received 2019-03-24
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: Eagle Accounts Group, Inc. (TX)

I discovered this new account on my collections report and this information is incorrect! This college continues to sell this negative account to different debt collectors giving my PII to random companies and I do not owe this debt! this is my second time disputing this same information and I will be seeking legal action for fraudulent charges. I do not owe this college any money I withdrew the correct way I returned all materials and I have never stepped foot into any of their classrooms this is a fraudulent charge and I refuse to pay or have this negative information reported on my credit report. I demand a written contract with information that states I attended and owe this college AND this collection money with verifiable proof ie, dates and contract with my signed signature this is a violation of the FCRA and I demand to have this negative information removed my report. Dated XXXX/XXXX/2019
Consumer complaint received 2022-06-14
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. (DC)

In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX BANK ACOOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, AND XXXX XXXX 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
Consumer complaint received 2022-01-11
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: Resurgent Capital Services L.P. (OH)

This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -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 -LVNV FUNDING LLC XXXX XXXX
Consumer complaint received 2021-10-20
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. (TX)

As described in the attached text document, the basis for my complaint is the conflict of interest inherent in Equifax permitting false and fraudulent information to be included in my personal credit file, in promotion of their credit repair scam business and extort payment from me of {$19.00} per month for all eternity, to remove the very same false and fraudulent information Equifax has permitted to be placed there to begin with.
Consumer complaint received 2019-03-24
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: CITIBANK, N.A. (MS)

Dear Consumer Financial Protection Bureau : On XX/XX/XXXX, I received my first phone call from Citibank notifying me I had not paid a Home Depot charge. The Citibank employee ( XXXX ) investigated and found that I had not paid for a part that was ordered online in XX/XX/XXXX. 
I explained that I had not received a bill and she notified me that I had signed up for paperless billing. I would beg to differ that I also signed up to receive a paper copy as well however they did not have a record of that process. I was connected to a supervisor, XXXX at this time. 
XXXX stated I owed {$140.00} and I asked for a decrease and Citibank decreased the amount by {$37.00} which left a balance of {$110.00}. I also explained to XXXX the situation and that I had inadvertently missed the emails and they could not re-send what they had emailed me now. I said this sounds " fishy '', explained that I had an EXCELLENT credit score and pay my bills! So I paid Citibank {$110.00} on the phone. 
Now, I am looking at my credit score and it has dropped to " very good ''. I think this is un
Consumer complaint received 2022-06-14
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. (NJ)

In Accordance with the Fair Credit Reporting Act, XXXX XXXX Bank, account ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This credit account with XXXXXXXX XXXX has been opened without my consent and it needs to be closed and removed from my credit report immediately.
Consumer complaint received 2022-02-12
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. (FL)

I do not want this complaint to be transformed into a request for contestation. I've already done it. I want this information DELETED by the FCRA. The offices had MORE THAN A YEAR to solve this and they failed. Now is the time to DELETE the accounts according to the FCRA. Please do not close this complaint without resolving it completely. Thank you
Consumer complaint received 2020-12-15
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 victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-11-18
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. (SC)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (WA)

Afternoon, I submitted a refund request to my federal student loan provider, Fedloan, back in late XXXX, as I was eligible for one ( paid off my federal student loans during the summer of 2020 ), and they promised to submit confirmation of my successful refund request to my email ( XXXX ). I never received confirmation, and now they seem to have transferred my loan account to another provider. I do not know which provider that is, as they haven't communicated with me at all. 

Thank You, XXXX
Consumer complaint received 2019-03-24
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. (TN)

On XX/XX/XXXX I received a letter directly from the creditor asking that their tradline be removed from my report. The first CFPB complaint was opened due both companies past experiences with not complying creditors request and sometimes flat out ignoring the direct request to complete the task and passing it on to another department to handle as you can see in response from Transunion who closed the ticket almost immediately and passed it on to another department and XXXX who has done absolutely nothing and now a second complaint was escalated to the CFPB on the same issue because Transunion and XXXX   refuses to properly investigate consumers request as directed by law and does not comply when a creditor request to have their tradline removed. In this case they just past it on to there coustomer relations team that does nothing. They cant even call the number and speak to Mr.XXXX ( the creditor who requested this trade line to be removed ) and whose address and phone number on on the the original document. There is no investigation there is no complying to the request of the creditor or consumer. This why I opened the second complaint against Transunion and XXXX.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I started a banking relationship with Chase bank, I made a couple purchases on the card and paid back account in full. My accounts were closed within the first couple months. The reason I made such large purchases was to meet the spending bonus that they offered within the first three months. I opened separate business accounts for my business and never even made a purchase before the accounts were closed. I feel that this decision was unfair and unjust. Please open my accounts asap. I have perfect payment history on all my credit. The last four numbers of the accounts are listed below. 

Thank you, XXXX XXXX Chase Account numbers : XXXX XXXX XXXX
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TN)

I was once a fraud victim of identity theft and notified the credit bureaus about the fraud. The bureaus worked with me to solve all problems. I recently changed my phone number. My old number was XXXX an my new number is XXXX. I reached out to bloomingdales credit card company to change my number on file with them. They told me it needed to be changed with the credit buraus too. I sent the credit bureaus certified letters about 3 months ago letting them know I had a new updated phone number. Everytime I attempt to place a order or even add a authorized user to my account with bloomingdales they always say they will place a call to my old number ( that I don't have anymore ) to verify its me. I have tried NUMEROUS of times to get my phone number changed on file with them and they wont do it. I called the Credit Bureaus and the REASSURED me that the new number was reflecting. I would like to be able to use my Bloomingdales card however they wont allow me due to me having a new phone number. I would like to solve this issue as soon as possible. I have had this card about 5 years or longer. When I call they will place me on hold and sometimes even hang up on me. Bloomingdales should pull my credit record and it will show I have updated my number with the bureaus. Instead they tell me the bureaus need to contact them which makes no sense at all. I would like to keep my card and be able to actually use it in store and make purchases online. They also once had me to set up a telephone password and they still wont ' allow me to change my number .Thank you.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment needs to be updated on all 3 reports consistently.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (AZ)

XXXX XXXX XXXX VS XXXX XXXX DEBT CARD XXXX XXXX XX/XX/XXXX on XX/XX/XXXX I lost my card. Tried to report it that night but couldn't get through to bank due to high volume of calls. on XX/XX/XXXX called cancelled card reported it lost and was told charges were pending to call back in two days to dispute charges which I did. Received paperwork four days later with the XX/XX/XXXX being deadline. I returned packet with a police report filed and notarized. was told by post office packet would be received by the XX/XX/XXXX at the latest. the bank claimed not to received it till the XX/XX/XXXX. I called several times for reimbursement on unauthorized charges and was told I had to wait on pending investigation. on XX/XX/XXXX I received letter from bank stating they had conflicting information and could not confirm fraud and for me to report it to police and work with merchant. I then tried to get paper work on this decision and was giving a phone number to call for XXXX XXXX at Fraud dept. This number is a voice mail only number. My card was found and used for a total amount of {$400.00}. I have done everything by the book. This bank did not honor the liability policy and as far as I'm concerned called me a thief and liar. Upon researching the bank I discovered this is the banks common treatment to costumers disputes. The US Dept of Treasury contracted with this bank for goverment payments to provide extra protection for its clients. People were able to use the card with no problems, where is the protection. I am a representative payee for my son whom lives on the SSI payment of {$750.00} a month. I accept responsibility for losing the card. However it is not right to just accept a XXXX loss due to unauthorized transaction that I'm sure there is video tape of. My pin was not used and we should not be held liable. In order for this matter to be resolved with out my filing of court I would like to see the bank follow policy with respect to federally insured money, consumer protection act and replace the funds back to the card. the dispute claim number with the bank is XXXX. the XXXX police report number is XXXX. I would also like to see the US Dept of Treasury and Fiscal service review this banks treatment of clients and considered a new contract with a more reputably bank. Thank you for your time.
Consumer complaint received 2018-10-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: McCarthy & Holthus, LLP (NV)

it appears there is a respa violation re pmi mo kickback scheme of 40 % plus alleged late fees being allegedly paid when upon default the pmi reinsurer paid XXXX when the servicer instructed me to default which caused a XXXX XXXX and additional emotional duress they have alleged XXXX is in a escrow account yet i am paying my property taxes directly to the assessor and there would not be any pmi mo or pmi mo late fee ... allegedly every mo the date is XX/XX/XXXX amt XXXX and XXXX ... total XXXX after 12 years.. 

XXXX would have paid XXXX upon default and the servicer instructed me to default XX/XX/XXXX which caused a XXXX XXXX and emotional duress thereafter since they allege they are paying the pmi mo this would indicate the respa violation is renewed so the statute has not expired. 


it looks like they want to be compensated that XXXX amount if the judge should grant them a foreclosure which i am fighting and disputing since they forged all the docs see attached all their docs are forged and they have never verified their docs are legit ... which they aren't everything fabricated by XXXX XXXX and XXXX XXXX XXXX  XXXX a person that alleged to be XXXX was actually a XXXX XXXX  employee named XXXX XXXX ... passing himself off as XXXX the file shows who he is with and then after mediation he made a request for payment of fees ... i was forced to sign out under duress ... see attached file
Consumer complaint received 2019-03-24
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. (MA)

I have tried to get the information of my chapter XXXX verified and asked which company or person did they use to check my chapter XXXX.it is reporting open and it over 2.5 years old. Was deleted from both of the other to credit reporting agency XXXX and XXXX yet experian will not make removal of wrong information!
Consumer complaint received 2019-03-24
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. (OH)

I have written 4 letters within the last 6 months demanding removal of this account and no one will remove or verify this account with my original signature. Furthermore XXXX XXXX XXXX is not licensened in the state of Ohio where I reside to collect debt