davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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: SLM CORPORATION (NY)

XXXX XXXX Last Four of Social : XXXX Account Number : XXXX Dates of Delinquency : XX/XX/2019 The consumer is violating my rights under the FCRA to conduct a reasonable reinvestigation and told me via email that they do not have to response to be inquiries regarding the delinquency on my credit profile. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. ( XXXX v. XXXX XXXX XXXX. ) My inquiries about the delinquencies on my credit profile are not frivolous. 
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating : Account Number : XXXX Dates of Delinquency : XX/XX/2019 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please tell me how you verified these items. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Please delete let late payments on the account immediately.Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards,
Consumer complaint received 2023-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

In XXXX I went into default on Student  loans due to unemployment. 
I went into collections. The letter stated I owed over XXXX XXXX  in principle, interest and other fees. 
My original loan with interest was paid down below XXXX XXXX in XXXX with payments on and off until XXXX. 

At that time I requested payment history, and validation of debt by collector. 

Non was received. 

My loan went back and forth this way between Navient and collections. 

In XXXX, a collection agency finally answered my request with incomplete records. Only providing the application for consolidation of loans and a short 2 year history of payment from XXXX through XXXX. 

My student loans have been offset by my federal and XXXX refunds since XXXX and there was no record of those payments. 

When this was reported to that agency, I have heard nothing since.
Consumer complaint received 2020-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

On XXXX I was notified by XXXX  that negative information was added to my profile. When I checked I notice this was a company that I had requested validation of this debt months ago and never received the documentation to prove this is my debt. By law I am requesting this information is immediately removed from my credit profile until proof of validation is rendered.
Consumer complaint received 2022-04-05
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. (GA)

Sent Experian a follow up letter for report # XXXX. Experian has not given me a response to my question in my follow up letter. Experian stated that the items were verified but Experian has not provided a description of the procedure to verify the inaccurate items listed on my consumer report. Experian has ignored my request and has not responded to my question. Experian has ignored me and taken advantage of me. I am demanding that the two inaccurate accounts be deleted from my consumer file.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX Last XXXX of XXXX : XXXX Account Number : XXXX Dates of Delinquency : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 The consumer is violating my rights under the FCRA to conduct a reasonable reinvestigation and told me via email that they do not have to response to be inquiries regarding the delinquency on my credit profile. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. ( XXXX v. XXXX XXXX XXXX. ) My inquiries about the delinquencies on my credit profile are not frivolous. 
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating : Account Number : XXXX Dates of Delinquency : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please tell me how you verified these items. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. On this account ( XXXX ) some months are reporting as late with your company but the other two bureaus are reporting something different this means that the account has not been properly verified. Please delete let late payments on the account immediately.Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards,
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX Last XXXX of XXXX : XXXX Account Number : XXXX Dates of Delinquency : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 The consumer is violating my rights under the FCRA to conduct a reasonable reinvestigation and told me via email that they do not have to response to be inquiries regarding the delinquency on my credit profile. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. ( XXXX v. XXXX XXXX XXXX. ) My inquiries about the delinquencies on my credit profile are not frivolous. 
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating : Account Number : XXXX Dates of Delinquency : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please tell me how you verified these items. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. On this account ( XXXX ) some months are reporting as late with your company but the other two bureaus are reporting something different this means that the account has not been properly verified. Please delete let late payments on the account immediately.Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards,
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

Per the FCRA, as a Federally Protected consumer, I am opting out of any and all authorization. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the XXXX. 

Any and all consent to XXXX, XXXX, ( XXXX XXXX - XXXX XXXX  ) ( XXXXXXXX XXXX XXXX ) and ( JPMCB ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX, Never informed me of my right to exercise my nondisclosure option. 

Privacy Act of 1974 ( 5 U.S. Code 552a ) - ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 
Again they need prior written instruction of the individual to whom it relates. 

As stated before, I did not give XXXX XXXX, JPMCB and XXXX XXXX, XXXX, XXXX XXXX and XXXX consent for the record. 

15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX to my credit agencies ) is a financial institution by definition under that title. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (TN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Hello friend, I am seller of XXXX, I am XXXX and by obligation charge by paypal, it turns out that a few days ago paypal limits my account and ask me, some proof and fractures, sent them and it took 5 days to respond, The result was that I can no longer do business with them, that is I closed the account I can not pay to ebay the commissions, XXXX sends me messages I can not take my money because they do not leave me, I have to wait 180 days, that is a lot I have family to feed, {$4000.00} lock, help me please
Consumer complaint received 2022-04-05
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. (SC)

In accordance with the Fair Credit Reporting act 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 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 2021-04-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OH)

Hi my name is XXXX XXXX and i have a prepayed unemployment pua card from ohio.so i noticed on XX/XX/2021 the the XXXX XXXX where i was staying at the time.chaged my card 4 times..in one day..all 4 charge 's where alot..the first was XXXX then XXXX and XXXX and then XXXX ..i informed the manger  at the XXXX XXXX..he assured me that this wasn't ment and he would fix it right away..it was a Saturday XX/XX/2021 So i contacted card service 's and they said to wait to see if he fixed it.well next thing i know im at the dmv getting plates for my sons car and my card is frozen and has been since. That was XX/XX/2021 ive been asked and told several different ways to prove who i am ... ie fax email and selfies and done evey one.many times .for almost 2 mo..to no avail..the just tell me to resubmit my paperwork..because ALL I HAVE IS A PAPER COPY from job and family services..everything was stolen from me while i waited for my pua to come..it took 10 mo ... im not born in ohio so my birth certificate is XXXX and they wanted another XXXX for my ss card..i have noone..and with out my money..im back to home less and my car was imponded 2 weeks ago.i need my money desperately and idk what to do..all i have is this papper copy from job and family services..please help me Usbankreliacard  ...
Consumer complaint received 2017-06-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (IL)

I sent a western union in the amount of {$290.00} to A friend in XXXX and When they sent me a picture of the receipt I realized that only {$190.00} of the money was received. I was prompted to investigate why the full amount was not delivered and I decided to file a complaint
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MN)

XXXX XXXX store card issued and serviced by TD. When trying to make a payment on line and if using wrong user name it does not say that, it only prompts to new password. Then when I try to create new password, as that is what the TD payment system directed me to, it doesn't accept my SS # thinking that my number was entered in wrong by the store. In reality the user name is not right and this continues every month when trying to make a payment. confusion causes late fee of {$28.00}. I feel this is a " gotcha '' tactic to drive revenue on late fees because this is interest free account for 36 months. 
The customer service rep said their are other payment methods on line but I could never get on line because the user number was not correct, again it would only tell me password reset and then not allow password reset which then causes me to manually call and if I'm at a location where that is not possible or it's past hours or I'm on airplane or in meetings all day then and I'm past my US mail deadline to mail the payment, then I'm charged. 
They offered a reversal of late fee bACK in XXXX, but every month I have the same issue and sometimes it gets me - thus the unneeded difficulty that causes confusion, frustration and then a late fee that no matter what you say they will only refund every 12 months. 
All of my bank accounts that I pay on line will tell me when the user code is incorrect, but not TD. I feel this is a harmful tactic to make late fee revenue in place of interest free.
Consumer complaint received 2020-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MD)

Debt was paid in full with original Creditor for {$660.00} in XXXX of 2020. Debt was wrongfully put on my credit report as a collection and needs to be taken off by collections agency immediately. This has been fraudulently added to my credit report and is damaging my credit.
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was issued a XXXX XXXX debit card with Bank of America to reimburse my loss of benefits from ssa. I have received the card, and can not activate it. Bank of America told me that The XXXX XXXX gave them the wrong information to activate the card. I have submitted the correct information to both Bank of America and The XXXX XXXX, as well as gone to Bank of America branches to try to activate my card, but I am having no luck. I still can not activate the card. Please resolve this issue thank you.
Consumer complaint received 2020-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

Debt was paid in full with original Creditor for {$660.00} in XXXX of 2020. Debt was wrongfully put on my credit report as a collection and needs to be taken off by collections agency immediately. This has been fraudulently added to my credit report and is damaging my credit.
Consumer complaint received 2023-02-08
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)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2022-04-05
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. (OH)

I have not received any confirmation on how you verified the alleged account attached in Exhibit C therefore request that you consider this final notice to your offices. Past this point, the CFPB will authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting.