davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX CHR Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX.
Consumer complaint received 2022-04-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TRANSUNION has NOT provided me with ANY INVESTIGATION RESULT regarding complaint ID XXXX of XX/XX/2022. It is now over 30 days and I still DO NOT KNOW what their investigation result is. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it has 30 days to investigate disputes. If it can not verify the information within the 30 day time period, it must delete all of the disputed accounts from my report.
Consumer complaint received 2021-08-17
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. (PA)

The Us department of education are in violation of u.s code -15 U.S. code 1681b -15 U.S. code 1681S -15 U.S. code 6802
Consumer complaint received 2023-04-03
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2022-01-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc. (SC)

This company did nit validate the debt. The sent me a list with my medical procedures which is a violation on HIPPA! Not to mention that is NOT my signature on the documents. I tried to handle this the correct way, but I will have my attorney involved. Not only are they in violation of HIPPA, but falsley signing documents is a criminal offense. I want this removed off my credit immediately!
Consumer complaint received 2021-11-07
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. (NY)

The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (OK)

On XXXX I received an email from venmo about my account triggering some security alerts. They temporarily restricted the account for the day and no other email was sent about why it was being restricted. Then on the XXXX I get email stating I need to update this and that which I had just received a new card at the start of the month which makes no sense all my stuff was already updated but then they send me emails stating I'm signing in with a new device which I've had this device for over 6 months. Now they want to tell me with no explanation that my account is suspended and have to wait over a week to here from them via email by an account specialist. I have two direct deposits I can't touch and {$400.00} in the account and no one wants to help.
Consumer complaint received 2022-04-29
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: AMERICAN EXPRESS COMPANY (TX)

FRCA Violation credit card AMEX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX FRCA Violation names and address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX XXXX, CA XXXX
Consumer complaint received 2020-06-03
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. (NJ)

I have an open and active credit card that the credit card company and the credit reporting agency, Experian continue to incorrectly report was closed. The card is not closed and just to prove that the card is active, I have made purchases with the card and provided that information to Experian as proof. However, it remains incorrectly reported and damaging my credit score.
Consumer complaint received 2018-02-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (SC)

I were not inform of any payment arrangements, nor did I received any letter of changes to my account. When in accutuality my loan was on forbearance and not.it in on the income driven program. 

So no the reason why late payments is on my credit report, I gave no idea? I Never had to make any type of payments since I was approve back in XX/XX/2006 until now. So maybe it was a mis hap on there part. But I never agree or sign any form make payment with this company.
Consumer complaint received 2021-01-28
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: JPMORGAN CHASE & CO. (NY)

On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XX/XX/2016 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (OH)

i am a XXXX XXXX XXXX XXXX, i am a living human being, i have rights under 15 USC 1681.

equifax is govern by 15 USC 1681 and they violated my rights numerous of times i demand the accounts listed below be remove because according to 15 USC 1681 i have the right to privacy and i did not give equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
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: Bread Financial Holdings, Inc. (NY)

I have credit cards that are closed and paid off and Im still trying to get them removed. I try not to pay someone because my funds are low but please help me remove all these old accounts.
Consumer complaint received 2022-04-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2021-08-17
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. (FL)

I filed a dispute from a debt with XXXX XXXX XXXX with all 3 credit bureaus. The problem wasn't resolved my issues I have misleading information been reported to all credit bureaus. I spoke with XXXX at extension # XXXX on XX/XX/ approximately XXXX who advised me that XXXX does not report anything once a loan is closed or payed off which leaves me to believe the credit bureaus are receiving inaccurate information from a third party which violates my rights. I'm also having the same problem with a chapter XXXX bankruptcy on my credit file. It states US bankruptcy court in XXXX is reporting this information which is incorrect and inaccurate. I spoke with agent at bankruptcy court who advised they do not report to any credit bureaus.So, my information is been sold by a third party which is misleading and inaccurate information. Please! Delete from all 3 credit files. Thanks
Consumer complaint received 2021-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (SC)

National Credit Systems Inc is reporting a debt that was paid in full on XXXX2021 in the amount of {$1500.00} yet they continue to report this item as unresolved. Pursuant to the FCRA the FDCPA and the FCBA ... .this is in violation of several federal laws
Consumer complaint received 2019-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IL)

I have attempted to log in to my account with FedLoan Servicing. After correctly entering my information, the website would load, then automatically log me out, saying it did so for my own security. After successfully logging in and then being automatically logged out several times, they informed me that my " account is locked for security purposes ''. 

I'm then instructed to email them to resolve the issue. However, the ability to email them requires me to log in. So when I try to email them to fix the problem, it states that my account is locked for security purposes. I'm then instructed to email them, and so on, in an endless cycle which presumably completes at the heat-death of the universe.
Consumer complaint received 2019-11-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (MS)

My first concern is how I owe the US Department of education has multiple debt collectors which makes it much easier to go into default. 

Second, one of their debt collectors, Great Lakes, has caused my credit score to lower in the past 60 days making me have a late payment that I never was able to dispute, which I can because I'm not on a stable monthly income to pay $ XXXX monthly. I also have not been contacted about the billing process. Unlike XXXX, they have not contacted me through mail, email ( if they have I'm sure i missed it because i get TONS OF DAILY MAIL ), nor by phone. The only communication that they use with me is emails and I feel its because they know I might not open them and that's because I get tons of emails and most of them are easily to be missed if I'm not expecting them. However, I HAVE NOT RECEIVED ANYTHING IN THE MAIL FROM THEM TO MY PHYSICAL ADDRESS! 

It seems as if Great Lakes are purposely trying to make my credit score down, like manipulating it for their own purpose. It seems as if they are trying to squeeze money I may have out of me ( which i don't have ) or trying to punish me for not paying.

This has been affecting my credit score, but have not been able to find out any details until the so-called late payment was just reported. They are manipulating my credit score for profits or payback. 

PLEASE HELP ME, I feel BULLIED!!
Consumer complaint received 2018-02-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I am on a repayment plan that requires me to renew my loan every 6 months. I began calling in XX/XX/XXXX to renew my rate reduction plan. I called a total of 3 times and each time was directed to call back later in the month, or the following month. The last time I called, which was in the beginning of XX/XX/2018, I was told I did not have a payment due in XX/XX/XXXX. I was told then to call back again in XX/XX/XXXX to renew my rate reduction plan. 

In the beginning of XX/XX/XXXX, I began receiving calls from Navient ( but they never left a message, so I didnt realize my loan was past due ). On Friday XX/XX/XXXX I logged on to the Navient website to download my tax form and saw that my loan was past due which didn't make any sense since I was told I didn't have a payment due in XX/XX/XXXX. 

I spoke to Navient today, and I was given two options : I could go into forbearance for the last payment, or I could pay the past due amount today. Since I live paycheck to paycheck due to my large amount of school loan payments, the previously allocated payment money went towards other expenses. 

I don't think I should have to pay extra capitalized interest on a mistake that was not mine. I made several attempts to keep my account in good standing and to renew my payment plan. I have not missed any payments or paid late in several years. I'm doing my part.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mid-Atlantic Finance Co., Inc. (FL)

I have disputed this account ( Mid-Atlantic Finance ) with the creditor, as well as with the bureaus that are continuing to list this account. This account was closed years ago and XXXX is still continuing to show the account as open on my credit report. Numerous disputes have been filed and the dispute letters return back to me stating the creditor Mid-Atlantic Finance verified that this information is accurate. This information in NOT accurate. The account is CLOSED!!! Why are they continuing to list this account on my credit report as an open account. I demand for this account to removed from my credit report immediately or I will sue both XXXX and Mid-Atlantic Finance for failure to comply with the FCRA rules. Im tired of this. All this is doing is dragging my credit score down. The proof is clearly herethe account is showing as an open account. 

XXXX is also reporting just recently this month XXXX that the account has a negative status. No more reporting on this account should be taking place. Both you credit bureaus are continuing to report inaccurate information. Please stop immediately!!!! I will sue you for this defaming information. Remove it immediately!!!
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I have several accounts missing from my XXXX  credit report : - XXXX - XXXX XXXX ( authorized user ) - XXXX - XXXX  XXXX ( authorized user ) - XXXX - XXXX XXXX  ( authorized user ) - XXXX - XXXX ( authorized user )
Consumer complaint received 2018-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Wakefield & Associates has been attempting to collect a medical debt I do not owe for years and nothing I have done or sent them has gotten this line off of my credit report. The original creditor ( XXXX XXXX ) has even emailed them but they refuse to remove the line. My son was covered by XXXX  at the time of service and my state has laws that protect XXXX recipients from this sort of thing happening to people when billing errors happen. I now have provided not only the Letter of Coverage to all parties involved and I have also provided a statement from the original creditor to the collection agency as well as XXXX  which states the account was paid by XXXX in 2013 ( 5 years ago!!! ) and neither the Wakefield & Associates nor XXXX has take any action to remove this incorrect data from my credit report. XXXX  has even claimed after each of my disputes to have validated this debt despite me having proof otherwise. Both the collection agency and XXXX have been negligent in the handling of my disputes and as a result, my credit scores have been held down. Please investigate this!!!!
Consumer complaint received 2021-01-28
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: LEXISNEXIS (NY)

This company put it upon themselves to add a driver to my car insurance policy and now my rates are up that I can not afford. Based on a police report they assumed false information and did not ask my permission or ask me anything at all. I am trying to get this disputed and I have not been in reach with anyone because they dont answer their phone ( s ).