davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Please remove these inaccurate accounts and unauthorized inquiries stated in my credit report, and correct/update late payments on the accounts I was never late.
Consumer complaint received 2022-05-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct number 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 Acct number XXXX
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Two issues, 1. old debt that was written off over 20 years ago.

2. Is a medical loan charging 21 % interest and not paying down Principal with the monthly payments on a larger percentage of the split in how they record the monthly payment.
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (TX)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury also defamation of character. I can't get a job nor can I apply for credit.
Consumer complaint received 2018-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

I had my loans sold to Navient when starting school back in XX/XX/2010. Since then, there has been no assistance with help to make reasonable payment options. Even when you're told you are placed in deferment for school, they place a Forbearance on your account and charge you huge amounts of interest, that negatively affect your credit for the worse. Just recently, I became XXXX and was placed on XXXX XXXX. I could no longer work. I called customer service with help for my options. I was not offered a deferment, when in fact I still have deferment time left ... ... Instead they placed a Forbearance on my account, charged me interest through the roof. Took weeks to email the information I requested about an income repayment, and then my score dropped by 155 points. I feel as though Navient, bullies students into more money. They do no address your issues no help you, it's a scam.
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association (TN)

CBSA has violated my consumer rights. The organization never verified the debt nor did the company provide any agreement that proved that I owe the alleged debt. I have requested a cease and desist order of all communications. Reporting any information to my consumer report is considered communication according to the fdcpa. CBSA shall remove all of my information from their records and all consumer reporting agencies immediately.
Consumer complaint received 2021-06-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

XXXX - I lost my job and had to move out of apartment in XX/XX/2020 due to Covid. I told them all this when I called multiple times and went in-store to return equipment. 
Not 1 person said I owe ANYTHING. Come to find out they charged my credit card {$250.00} without me authorizing it. 
I contacted XXXX multiple times and the associate is not able to make any executive decisions only a manager. I asked multiple times to speak to a manager and no one ever called me back or got on the phone.

I contacted my XXXX  credit card and they disputed it for me and reverse the charge and then XXXX put it into collections. 
XXXX says I owe a cancellation fee and other money. There is NO way due to Covid that XXXX is the only company not helping people. I had no idea about a contract - let alone a XXXX fees. 
I just called them again, and they still wont put a manger on the phone. 
They are a disgusting company and inhuman.
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA is acting with gross negligence and incompetence regarding a financial matter. At issue is a short sale request that was submitted back on XX/XX/XXXX. As you will see from the information attached we have tried contacting BofA multiple times to get this short sale going but they are 100 % non-responsive. BofA has a horrible phone service that keeps routing you back to the same automated system. We keep asking for the short sale department and we keep getting assured that is going to be happening only to be routed right back to the same automated system. This is now a running joke. BofA should not be handling loans if they can not service them properly. BofA is in violation of RESPA guidelines which require them to respond to a request within 5 business days. They are way past that.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX
Consumer complaint received 2020-12-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I submitted a formal written request to all 3 credit bureaus seeking the deletion of erroneous and inaccurate information contained in my credit file on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020 In my letter sent and received by Experian, XXXX  and XXXX on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 6 months from my first written request and almost 4 months since my second written request and I still have not received any responses.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21 CA EDD deposited {$720.00} to my prepaid card and on the same day the money was withdrawn from an ATM in the city of XXXX, XXXX XXXX. That afternoon I called Bank Of America Prepaid Card, ( XXXX ) XXXX, and notified them of this fraud. I was told that a claim would be started ( XX/XX/21 ). The claim number that I was given is XXXX. I was advised that it would take about 10 to 12 day to be process. I was also ask to process a report with the police which I did the next day ( report number : XXXX ). I called the Bank Of America Prepaid Card ( XXXX ) XXXX on XX/XX/21 to let them know that I have the police report and that I was going to fax it over but I was told that my claim was closed and that they could not take any more information from me. I have called several time after that day and I was told that they would be sending an email to the " back '' so they can open the case again. I am not sure exactly what she meant by the " back '' but that was what I was told. I was also told several times by an agent that they are not responsible for the prepaid card.
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (CA)

I was contacted by RMP, A XXXX RCM company around the XXXX of XX/XX/2022 with regards to a debt I owed XXXX XXXX for various medical bills including my sons. They offered me a settlement for {$680.00} of which I agreed to and requested the debit this amount from my XXXX XXXX account on XX/XX/2022. The entire conversation was recorded and I provided my routing number and bank account number for them to debit the {$680.00}. However, on XX/XX/XXXX they debited {$1100.00}. I called immediately and spoke with employee # XXXX ( XXXX ) who acknowledged the error and assured me they would credit me back the difference of {$450.00}. I was given reference number XXXX and assures me I will get the difference ( {$450.00} ) back but they have not. I called several times and keep getting a promise they will refund me the difference but they have not. I have filed a dispute with XXXX # XXXX do not believe this company intends to pay me the incorrectly debited amount and uses settlements as a ruse to get your bank account info and then overcharges you and just assumes there is nothing you can do. The company info is below. 
RMP, A XXXX RCM company XXXX XXXX XXXX XXXX, IN XXXX Office Hours : Monday Friday XXXX XXXX  Email : XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2018-03-10
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. (SC)

I have been speaking to different representatives for over 2 month because of fraudulent inquires on my credit report and they refuse to delete the inquires off of my report because they don't belong to me. I have been going through this for the longest and it is a shame that you have to go through so much just for something that they allowed to happen to your report.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

On or about XX/XX/2017, I called my bank XXXX XXXX to ask for new checks to be sent to my new home address because I had run out of checks. They said that they would send the checks right away. After a week, the checks had not arrived so I called them again and they said the same thing. I wound up calling XXXX XXXX six times over a two month period, each time urging them to send the new checks because I had bills to pay on another bank account ( XXXX XXXX ). Finally I was late on a car payment ( 30 days ) because I did not have the checks to make the deposit to XXXX XXXX. The checks finally after 6 calls and two months did in fact arrive, after which I immediately went to XXXX XXXX to make the deposit and the loan payment. XXXX XXXX in the meantime, filed a 30-day late notice with the credit reporting agencies. I feel that this is completely wrong and irresponsible on XXXX XXXX 's end that they did not send the checks and now I have this on my credit score which has gone from XXXX to XXXX on one credit reporting agency.
Consumer complaint received 2022-01-19
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

There are two fraudulent accounts on my credit report. One is from Capital One Auto Finance and the other is XXXX XXXX XXXX Credit Card XXXX sold to XXXX XXXX XXXX. I have never allowed anyone to use my personal information nor have I ever conducted business with those companies. 

I have contacted capital one over 32 times, I have expressed to them that I never obtained a loan from them nor do I have a drivers license. I have mailed and emailed them an official police report where it states that I am a victim of ID Theft. I have been trying to contact and get a resolution on this account but Capital One Auto Finance does not respond to any of my attempts to have this resolved. 

XXXX XXXX XXXX  XXXX sold to XXXX XXXX ). I have contacted XXXX XXXX XXXX  Directly and they agreed that the account is fraud and removed it from their system. XXXX XXXX is now trying to collect on a fraud debt that was deemed fraud from the original creditor. I have called and sent an official police report to XXXX XXXX and they are refusing to remove the negative item from my report. I explained to them that XXXX XXXX XXXX has deemed the account fraudulent and that XXXX XXXX shouldn't even be allowed to collect on a debt that was erased by the original creditor. They have never responded once to my many attempts to have this resoled.
Consumer complaint received 2022-05-02
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: CITIZENS FINANCIAL GROUP, INC. (FL)

Citizens bank reported an unathorized inquiry on my credit report specifically XXXX and XXXX. I have no knowledge of this transaction, and I want to report this suspect inquiry. ( FRAUD )
Consumer complaint received 2020-09-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG FINANCIAL CORPORATION (AL)

Check-n-go representative contacted me to set up a payment arrangement. After I agreed, I found out that the account had already been written off. I filed a complaint asking them to remove it from my credit report. The account is being reported on my credit report as written of, which has severely damaged my credit. They also debited my bank account after it was written off. This is in violation of the Fair Credit Practices.
Consumer complaint received 2018-02-20
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: CORELOGIC INC (FL)

I applied as a cosigner for an apartment. I did not expressly authorized the landlord for a Hard Credit check on my credit report, but still a hard credit check was performed by the company CoreLogic. I have reached out to them and they refuse to remove the inquiry saying that I authorized it, when in reality it is not expressly stated that I signed for a hard credit check to be performed
Consumer complaint received 2020-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (IL)

This is the THIRD time i have had issues with this company. Back in XX/XX/2020 i set up a payment plan to pay off my debt. i told the rep to please take out {$85.00} every 2 weeks according to my pay dates. I was told the first time it would come out of my checking account and it never did. I called and confirmed the correct bank information and they confirmed that was what they had in their system as well. i am not sure why the money was never withdrawn. I called and set up the payment again and confirmed they can withdraw {$85.00} from my account every 2 weeks automatically. The bank information was viered and it was taken out 1 time. After that happened in the spring i submitted a complaint back in XXXX because the money was never taken out of my account. Even though i gave permisson to do so. I spoke to MS. XXXX who again confirmed with me that starting XX/XX/XXXX i would have money taken out of my account every 2 weeks starting XX/XX/2020. I later got a call from someone named XXXX i believe who asked if i wanted a payment to be set up. I told him the payment should have already been set up to take out {$85.00} every 2 weeks. IT WASNT SET UP! I confired with him the infomration AGAIN to have payment take out starting XXXX XXXX   and he ASSURED me that i would not have to repeatedly call back and it will be automatically taken out. That i would not have to worry and its been set up for payment every other week. Well now the ONLY PAYMENT THAT CAME OUT WAS ON XX/XX/2020.
Consumer complaint received 2020-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

please help me with these credited loans sharks I took a {$400.00} dollar 's and a pirate added to the tennis ticket XXXX  office and added interest to me and surcharges for the next amounts of money to be {$1100.00}. thank you for your attention to this point
Consumer complaint received 2018-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have been receiving calls from XXXX XXXX XXXX, XXXX within the past couple of months everyday, at least twice a day regarding an account that I had with XXXX XXXX ( I believe this is the creditor ) in XX/XX/XXXX or XX/XX/XXXX. I believe the original amount was about {$2400.00}. The business has been closed for several years and I received calls from the law office a couple of years ago and started making payments. When I requested a copy of my original loan documents and totals of payments made directly to the law office, I believe XX/XX/XXXX or XX/XX/XXXX, I never received documentations. Around XX/XX/XXXX, I spoke to a representative and explained that I did not owe any monies to XXXX XXXX and requested that they stop calling me. Since that time, I have continued to receive numerous calls daily. No voicemail messages are being left but the calls continue to come in. I received a letter on XX/XX/XXXX, dated XX/XX/XXXX, from the law office stated that the letter was in regards to : XXXX XXXX XXXX, XXXX vs XXXX XXXX XXXX, Index Number : XXXX. I am guessing this is for the old account and have no idea who XXXX XXXX is. It states that I owe {$9900.00} with daily interest rate of {$1.00} which is insane to me. I want them to stop harassing me for monies that I do not owe to them. Again, XXXX XXXX do not even exist so I am not sure why after all these years, the law office has starting calling me again.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

Today I received a TD Bank debit card # XXXX in the regular mail. I called TD Bank to inquire about the card since I have never opened an account at this bank. I was explained that this was fraud but no other detail can be given such as when, where and how the account was opened. I asked how can I have received a debit card with my name and not be able to get any other details. I was told such information was not known by the bank. I was explained to complete the process to freeze my credit report with the three credit agencies, to freeze my SS # and to file a report with the trade commission. All three actions have been completed.
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.