davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
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. (CT)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (VA)

Wayfair Is the company I paid it through a settlement wayfair is run by committee bank I have tried for 3 and a 1/2 months to get this corrected on my credit report and they have not corrected it
Consumer complaint received 2019-08-10
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. (IA)

Sent in a handwritten dispute to Transunion on XX/XX/XXXX about an account on my credit report reflecting inaccurate information. The account in question is XXXX /XXXX. The original dispute was regarding the high limit and close date which I disputed as incorrect. This request was sent to XXXX on XXXX according to Transunions dispute department. By XXXX the account had already came back as verified and belonging to me. However I noticed a shady tactic sometime used by creditors. The account updated on my XXXX credit report also. What I discovered is that XXXX/ XXXX did one of twin things. Either they re aged the account ( the account now says it was 1st reported in XXXX/XXXX but I have proof from previous credit reports that it was definitely reporting before then ( see attached credit reports ). Or they deleted and then reinserted the tradeline back to my credit report making it appear as if the negative was very recent, when in fact this account was discharged In bankruptcy in XXXX of XXXX. This account has been disputed with each credit bureau and somehow XXXX is able to report whatever they want on my credit bureau, without actually validating the debt or anything. They sent me no documentation, no statements, no proof at all as to how they validated the debt. The high balance was disputed and I asked in writing how they were verifying the high balance. Now, not only is the high balance unverified, they have changed the first reported date to reflect XXXX of XXXX. This information is inaccurate, along with the close date and the high balance. Can u please validate this account and show me firm proof of how the high balance was calculated and I also would like to know what Transunion, XXXX  and XXXX have in their files pertaining to when this account first reported because the date Im seeing on my credit bureau is not correct at all, neither are the high balance and close date! I request this erroneous information be immediately removed as it is hindering my ability to seek credit! I have already been denied loans and credit because of this inaccurate information!
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (SC)

I submitted a dispute letter dated XX/XX/2022. It is now XX/XX/2022 and there has been no response. According to the FCRA, if there is no response from a creditor within 30 days of dispute, items must be removed
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MN)

I have been a loyal XXXX  rewards credit card customer for 4.5 years. This card charges an annual fee of {$49.00} but it includes a free night in an XXXX hotel so I consider it an even trade. 

Due to COVID I was unable to use our free night from XXXX as it expired in XX/XX/XXXX. When my statement came in with the annual fee notice, I paid the fee because I did not want any late charges and thinking I could call them later and get the fee refunded. 

When I received a new card in the mail this summer, it was a reminder that I needed to inquire on the fee. When I finally called in to inquire about refunding the fee not only was I told it was too late to refund the fee but I also discovered they had cut the credit line on the account. The letter with the new card had a credit line 2x higher than the amount given on the phone so my credit line had been cut in half.
Consumer complaint received 2022-04-01
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. (GA)

I have submitted multiple dispute letters as well as validation of debt letter because this account XXXX XXXX XXXX in the amount of {$5900.00} is not mine however its still been fraudulently reporting on my report
Consumer complaint received 2017-12-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Independent Recovery Resources, Inc. (NY)

Repeated phone call from independent recovery resources they also call themselves IRR. # 's they call from non stop XXXX, XXXX, XXXX, XXXX, XXXX. Non stop throughout the eveni g. When I asked for a verification of this debt they have nothing. When I called and told them to stop the robocalls they told me they handed this off to an attorney and I was going to be sued
Consumer complaint received 2021-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It's almost 60 days today since Ive sent Dispute regarding to those unknown and inaccurate accounts I found on my credit report. But I haven't received any response.I was so stress and I Demand to immediately REMOVE those account on my credit report or I will file a litigation.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, I received a text indicating I had a fraudulent charge and asking for validation of the charge. When I responded, " No '', a text appeared that my message was not received. I did not follow up on the issue and then got a bill showing {$3200.00} fraudulent charges over a period of 2 weeks ( XX/XX/XXXX to XX/XX/2020 ). My wife then realized that our credit card was lost and we reported it to Chase who cancelled the card, issued a new card, and then put a hold on the fraudulent charges. We got a letter from Chase on XX/XX/XXXX confirming the above. 

We then received a XX/XX/XXXX letter from Chase that the fraudulent charges were being re-instated and we were liable to pay for them. I immediately called the point of contact and could not get a hold of anyone from the Fraud department. I then followed up with an email listing every charge and showed how they displayed behavior and locations outside of my previous spending patterns. Three more emails and five phone calls over three months yielded the Chase Fraud Department calling me up and saying that the information with the card reported missing was not enough evidence to show Chase liable to accept the claim.
Consumer complaint received 2019-06-07
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: EQUIFAX, INC. (GA)

There is a multitude of errors on my report ranging from items reporting that appear to be someone else 's information, i.e bankruptcies, to items I believe are outright fraud. I have attempted to fix these errors in XX/XX/2016 but did not follow up as diligently as I should. Therefore, there are several items that still remain and some new items that have have appeared. I receive mail at my current resident often with names that are similar to mine but misspelled. I am not sure how this is related except for the fact that my credit report is entirely inaccurate. Please help!!!
Consumer complaint received 2019-08-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (TX)

I received an email from XXXX XXXX XXXX company on XX/XX/XXXX regarding an alleged debt of the amount $ XXXX.The email stated they have been authorized to accept a one-time payment of {$1700.00} as settlement in full which will end XX/XX/XXXX.As a consumer, I have every right within thirty ( 30 ) days after receiving this notice to dispute the validity of the alleged debt. 

On XX/XX/XXXX I requested all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing that I am responsible for this debt, or a copy of any judgment. 

They made no effort to follow the laws in making me aware of such debt, I wrote to them within 30 days of being notified of the alleged debt, they should have ceased attempting to collect this alleged debt until after I have provided the requested information.The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt.Harassment is more than just repeatedly asking you to pay money, .Its whats being done on a day-to-day basis. Its something thats misleading and done for the purpose of coercing me into doing something that I otherwise wouldnt want to do, or couldnt do, for fear of retribution. 
On numerous occasions I have repeatedly been receiving phone calls to collect payment without identifying themselves as debt collectors. Most recent on XX/XX/XXXX, I  received phone calls from a gentleman who identified himself as XXXX and he works for : Midwest Recover Systems, XXXX.Debt collection agency in XXXX XXXX, Missouri Address : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX They threatened to take damage my credit if I did not pay up the alleged debt. Now, I believe Collectors are required by Fair Debt Collection Practices Act to send me a written debt validation notice with information about the debt theyre trying to collect. 

Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. I believe the statute of limitation on Medical Debt in Texas is 4 years. The Original creditor and any third party debt collector only have a limited amount of time in which they can pursue repayment of debt by filing a lawsuit. 

Today, XX/XX/XXXX I received an email from XXXX XXXX stating a new collection account with MIDWEST RECOVERY SYSTEM was added to my XXXX credit report.Like all debt, This alleged medical debt is damaging to my credit .I have encountered such behavior, this why I am filing a complaint with the Consumer Financial Protection Bureau . 

By them continuing attempt to collect on this debt or seek judgment for payment of the debt without first providing written verification, they are in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-01-09
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. (NJ)

XXXXXXXX/Equifax/XXXX  credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

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 2022-09-18
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. (LA)

Three violations of 605 - 15 U.S.C. 1681c ( d ) ( 2 ) occurred on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Two more violations of 605 - 15 U.S.C. 1681c ( d ) ( 2 ) occurred on XXXX XXXX and XXXX XXXX 

EXPERIAN violated 609 - 15 U S C 1681 ( f ) ( 2 ) by failing to disclose any information and reasoning for the adverse actions against the consumer report and account, despite multiple requests made by consumer, resulting in injuries to the consumer.
Consumer complaint received 2019-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

In 2017 Citibank charged me {$1500.00} for 2 fraudulent transactions that weren't made by me. Now after 2 years, Citibank added {$1300.00} in interests and fees and sold the debt to multiple collection companies. One after another tried to collect the same amount of money from me. 2 weeks ago, XXXX XXXX XXXX agreed not to contact me anymore for the debt. Today, XXXX XXXX XXXX contacted me to try to collect {$2500.00}.
Consumer complaint received 2019-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MI)

This is the second complaint Ive done, and the the first complaint Shellpoint Claims to not recognize me as a customer ( This complaint lists someone the company does not recognize as their customer or their customers authorized representative. ) complaint ID # XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Struggling to pay mortgage They were sold my mortgage by another company and I have not had the opportunity to verify any information for accuracy, the loan was originally started in XXXX by XXXX XXXX loans, then XXXX XXXX XXXX, and has continued to have gotten sold and Shellpoint has foreclosed it. 

Its obvious they practice doing this because they have tons on complaints ; I will continue making complaints until I am heard. ShellPoint LLC is company that should not be in business
Consumer complaint received 2019-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (CA)

After receiving a new credit card with a new credit card number due to a fraudulent charge, I noticed that certain companies were able to charge my monthly subscriptions to my new credit card number without me having given them my new card information. I called both XXXX XXXX and Visa to understand why they were giving out my new credit card information to companies without my consent and they said that it was due to the VISA account updater service. I explicitly asked to opt out of this service and both companies denied my request. My credit card information is being given away to companies without my consent and although I asked both XXXX XXXX and VISA to stop this, they refuse to stop. What do I do?
Consumer complaint received 2022-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

My complaint is about FedLoan Servicing ( myfedlaon.org ). 
I am a student borrower. 

My complaint is that they are not properly responding to my email questions or phone calls. The email responses I get are boilerplate information from their public announcements and do not directly address my questions. Also, the phone number their emails refer my to ( XXXX ) operates on a perpetual hold ( I have waited up to XXXX minutes, twice ). 

The context of my questions is, why was only a portion of my student loans dismissed under my Public Service Loan Forgiveness application? Are there steps I need to take to get the rest of my loan balance dismissed? What do they need from me? 

Please help.
Consumer complaint received 2022-04-01
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. (FL)

IN ACCORDANCE WITH THE FCRA XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX ACCT # XXXX {$470.00} EQUIPMENT WAS RETURNED AFTER MOVING OUT OF STATE, XXXX SAYS DIDN'T RECEIVE. REQUESTED THEY RUN CAMERA SURVEILLANCE AND THEY DENIED.
Consumer complaint received 2024-02-20
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX  XXXX, XXXX : # XXXX XXXX, XXXX : # XXXX  XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

Redemption of miles shown for charge never made. Company refuses access to credit card account and replacement of card never received, including change of address to receive account documentation.
Consumer complaint received 2019-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

Resubmitting this to fix the fair resolutions that should read * We want our property back ... 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Today we were shocked to get tones of calls that our property was sold at the auction this morning. Breaking the federal dual tracking law. They also broke Washington State law which will be another complaint. When I called PHH/Ocwen today and talked lenghty to XXXX XXXX while recording her, she just kept spinning and sent me to the trustee sales lawyer at XXXX XXXX and the county sheriff. 
When I asked her about my modification application status, she said she has nothing in file so I explained to her that when I called on XX/XX/XXXX, they told me that Ocwen had transferred my file to them PHH and they will review so the sales which was then on XX/XX/XXXX can be postponed We then received a letter dated XX/XX/XXXX that our file wasn't complete and they can't review it which again is within 15 days that Washington State requires for the review. When I called them on XX/XX/XXXX that I filed for bankruptcy which was the only way then to stop the sale, they told me that they had cancelled the sale and will review my application. So we were waiting for the follow up after ressending the whole application. She said she has nothing on file so when I asked her what document was missing per the letter their sent us on XX/XX/XXXX and she wouldn't respond. When I asked her when was the letter for XX/XX/XXXX sale send to us, she had no information to tell me and asked me to call the trustee lawyer, which again we didn't receive anything from. 

Talking to the trustee lawyer, he said the house was advertised on XX/XX/XXXX and they didn't have be sure that we received the documents postponing the sale. He then said they sent us a certified mail, which I asked if he has a day which we picked it up, he said he isn't required to know that I received it. Again we never received it. Its pretty clear that their violated Washington State RCW6124031 This is just weird, and this sounds like from a movie and we are going to fight this to our last breath. I talked to the Trustee firm to XXXX XXXX who seemed nice but it's pretty clear to me that their didn't even advertised the XX/XX/XXXX sale which beg the question on their practice stealing people 's house to the benefits of their hidden network. The property supposedly sold at {$1.00} when a similar property sold {$1.00} next door. XXXX seemed very understandable but I wonder what he doesn't know. He tells me that letters were sent to us. Who sent them and how come we never receive them and he also said they aren't required to know that we actually received them. I also spent time discussing our bankruptcy with the Trustee and he said my case was dismissed even though still active. We had some paperwork to provide to the court but they still sold the house.