davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (IL)

I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, Equifax, Experian, XXXX XXXX XXXX, XXXX, XXXX XXXX, National Credit Adjusters and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.
Consumer complaint received 2019-08-22
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. (GA)

I sold my house located on XXXX XXXX XXXX, XXXX, ga, XXXX  on XX/XX/2019.

1 ) my Payment history was never reported correctly by XXXX, XXXX, Transunion for my Payments to XXXX and XXXX XXXX.

With both companies, I was in a loan modification program where payments were modified / delayed ; yet I was reported late. Very late by all 3 credit reporting services.

2 ) please contact XXXX, XXXX, TranSunion to correct their reporting of me - again, not late, but in a modification program.
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. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX Account Number : 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.
Consumer complaint received 2022-01-15
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. (GA)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This is causing XXXX XXXX, Defamation of character and also I can't even attain a job. During this crises I can't even obtain a sba loan for my company as well as a place to buy in my name to stay. Applying for credit has be the most humiliating thing I've experienced.
Consumer complaint received 2020-01-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Designed Receivable Solutions, Inc. (CA)

DESIGNED RECEIVABLES HAS BEEN TRYING TO COLLECT MEDICAL DEBT FOR UNKNOWN DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. 

THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. 

THERE ARE MULTIPLE COLLECTION ACCOUNTS OF {$980.00}, {$1700.00}, {$2000.00}, AND {$4800.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.
Consumer complaint received 2022-05-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: DISCOVER BANK (NC)

I went on line to get a loan with Discover Personal Loans in XXXX. The loan was approved and I had the funds deposited into my daughters account and set up automatic payments to come out of the same account. The funds were deposited and a payment was taken out of the account. On the XXXX of XXXX my daughters bank account was charged a hold of {$880000.00} because Discover assumed there was fraud. The did not speak to me or do anything to verify that this loan was in fact good. I spoke to Discover personal loans on Friday morning and they assured me that they had reached out to my daughters bank and that they removed the fraud claim. My daughters bank, XXXX  XXXX XXXX said that they told Discover that they had to receind the claim in writing. As of Monday morning XX/XX/22 they still had not sent the letter to XXXX  XXXX XXXX. Discover said that they had to send the letter to their legal team before they could send it to XXXX  XXXX XXXX. This whole mess could have been avoided of Discover had done their due diligence and spoke to me before filing the claim in the first place. They are quick to wrongfully assume something but slow to fix their mistake.
Consumer complaint received 2021-06-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I applied for the renewal of my existing HEL/HOCL ( for {$500000.00} ) application XXXX, sometime in XX/XX/2021 thru XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.at the Huntington National Bank ( Router # XXXX ) My application got rejected due to insuffient monthly income per XXXX XXXX. 
I am retired. Hence my income is my social security pension approx XXXX per month and my MRD ( minimun required Distribution- variable ) from various tax deferred assets - multiple IRAs, my annuity + my invest incomeof assets over XXXX XXXX. I told them I can always withdraw more than MRD if and when needed.They poofaed that being 'hypotetical '!? My previous payment record is stellar. My credit score close to 800. No other liability except balance in the existing HEL of about XXXX. No other pending liability, lien of any sort. All the property taxes and Home ins premium paid promptly and on time, for the past 40+ years on the house. 
I asked for house appraisal report. They haven't provided me as required by law in spite of repeated requests on the phone and via e-mails. The bank also has NOT responded me with final response in writing with re my complaint ( XXXX ) lodged via phone on XX/XX/XXXX to XXXX XXXX XXXX on the phone. I have no other recourse, except to plead your help in this regard. Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (IL)

XXXX, XXXX- Paypal " limited ''/ froze my account for supposedly breaking their Terms of service. Never told me why my account was limited even after trying to contact Paypal customer service. My account from " limited '' with approximately {$480.00} in the account. Paypal then sent me an email stating my account was limited for breaking their ToS and the money would not be available for withdrawal for 180 days. After 180 days of holding the money incase of charge backs or to settle and debits on the account, i was lead to believe that I would then be able to withdraw my money. 
XX/XX/XXXX - After 180 days, Paypal decided my untold breaking of their Terms of Service would be assessed a potential {$1500.00} fine. So they seized all the money in my Paypal account which was {$480.00}. After again contacting paypal, customer service, they still wouldnt tell me what my alleged ToS break is and why they get to steal {$480.00} from me. 
XX/XX/XXXX to XX/XX/XXXX- Multiple calls and emails with Paypal customer service, all they would tell me is that my account is limited and that there is nothing these customer service people could do about it. All emails were ignored and un answered. Only way to get into contact in any way with Paypal was to call them and wait 60+ minutes on hold. They kept saying " our back end staff have evaluated your account and have deemed that the limiting of your account was final. '' I couldnt get any contact info for the " back end '' people to get any answers. 
XX/XX/XXXX- XX/XX/XXXX - XXXX had pretty much given up on getting my money back and just let paypal rob me of {$480.00}. 
XX/XX/XXXX - Got in Paypal website to request my account be closed through their web portal. Paypal website notified me, I couldnt close my account from the website and would have to contact customer service. 
XX/XX/XXXX - Contacted paypal customer service XX/XX/XXXX, to request that all my PII ( personally identifiable information ) be deleted from their servers and my account be closed. Requested paypal delete all my banking account numbers as well as my SSN. Customer service representative XXXX ( reference number XXXX ) told me he couldnt do anything for me but led me to the Paypal website where I could request Paypal delete all my information from their servers. Upon using this website portal to delete my information, received an email stating they would evaluate my request. 
XX/XX/XXXX - Received email from Paypal stating they wouldnt delete my information from their servers because my account is " limited ''. Again called Paypal Customer service, again customer service representative said they couldnt help me in any way.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I notice according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

It seems to me that FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you take a look at the documents, please? Some of the accounts listed are incorrect, and it's causing me discomfort.
Consumer complaint received 2018-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (MI)

XXXX from XXXX XXXX XXXX based out of XXXX MI attempted to collect {$71.00} from what she said was money owed from XXXX XXXX XXXX dates included were XX/XX/2014 for {$21.00} ,XX/XX/2014 for {$25.00}, and XX/XX/2014 {$25.00}. 

I have contacted XXXX hospital financial Dept, XXXX XXXX XXXX, and XXXX health which is the company owns XXXX. All explained to me that I did not have any outstanding balances and reported to me that I do not have any debt in collections from them. 

I strongly feel this is a scam and needs further investigation to avoid others who may be victimized from this scam. 

If you have any further questions or concerns please feel free to contact me.
Consumer complaint received 2018-10-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

AFTER SEVERAL INVESTIGATIONS, EXPERIAN CONTINUES TO REPORT & REFUSE TO DELETE INACCURATE INFORMATION 15 U.S. Code 1681i - Procedure in case of disputed accuracy requires, ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if AFTER AN RE-INVESTIGATION under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material  On XX/XX/XXXX, a response from XXXX  ( XXXX XXXX ) for XXXX Smart Connect - Account # ending in XXXX - CFPB Case # XXXX-XXXX states in their response that " On XX/XX/XXXX, the above account was " charged-off '' and sold to " XXXX XXXX XXXX '' on XX/XX/XXXX. On my credit report, XXXX XXXX - Acct # XXXX is the debt buyer being reported for XXXX SMART CONNECT account on my credit file -- NOT XXXX XXXX XXXX. Based upon the response from the " original creditor, '' the information being reported under the name of XXXX XXXX is NOT my account and should, therefore, be DELETED. This matter has been repeatedly reinvestigated since XX/XX/XXXX until NOW and has caused substantial harm to my credit rating. I DO NOT WISH FOR ANY MODIFICATON AT THIS POINT. Clearly based upon the documentation by the original creditor IT IS ERRONEOUS. I WOULD LIKE IT DELETED IN ITS ENTIRETY.
Consumer complaint received 2023-04-10
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( n ) the information is, in fact, inaccurate. 

I can go on and on. 
The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this NOW! They keep responding within one day of receiving my complaint, so I now feel as the consumer they are doing this to buy time and avoid from removing those discrepancies and in accuracies from my report. Can you please help. This is now a Demand Complaint.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX : XXXX, XXXX of XXXX XXXX. There is no 3rd party submitting documents on my behalf! Hello XXXX XXXX! Youve stated XXXX XXXX XXXX that you guys confirmed my account did not have any payments made for the months of XX/XX/XXXX through XX/XX/XXXX when IN FACT the account was paid in full the moment my credit card pursuant to 15 USC 1602L was accepted. You also said youve confirmed there were payments made to the account that were less than the required minimum amount. & enclosed my XX/XX/XXXX through XX/XX/XXXX billing statements and collection letters, which reflect the delinquency progression on the account. XXXX  XXXX, Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave You, XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices. Please see Attached documents for Exhibits!
Consumer complaint received 2018-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (PA)

this 3rd party company did not validate this information with whomever is reporting this information about me and provide full documentation associated with this including my signature that contractually binds me to this account. as asked in previous disputes to the cb they have yet to provide the information that i have asked for under my rights of the fcra they have not verified anything only harassing me by phone and mail to collect a debt that i have no knowledge of and i have no idea how this company got my personal information i have sent letters to the CBs requesting validation which was received all by certified mail return receipts.
Consumer complaint received 2018-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/18, I received an email stating I had reached the spending requirement to receive XXXX membership rewards points for my account ending in XXXX ( now XXXX ... due to American Express ' lack of customer service, in order to get a simple card replacement for a damaged card, I had to change the account number and didn't even receive the card when promised ). I contacted customer service via chat on XX/XX/18, who advised me that the offer was not on my account and no record of it or the email exists. To ensure there is no question as to the legitimacy of my concern, I have attached the email in both pdf and email format, and ask that American Express kindly fulfill the promise of the email without delay or hesitation.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a XXXX from XXXX XXXX  about an old credit card account I had. Since XXXX cancelled the debt and I have to report it as earned income, the balance on my credit report should be {$0.00}. I have tried disputing the balance amount with the three major credit reporting agencies, and they keep saying that the amount has been verified. But how can XXXX XXXX cancel the debt and then still say that balance is valid?
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MO)

This complaint stems from the original CFPB Complaint # XXXX. The original complaint was prematurely closed after Navient responded. 

As of XX/XX/XXXX my cosigner and I of a private student loan taken out around XX/XX/XXXX, settled a defaulted student loan. I made sure that both I and my cosigner received an email of the settlement agreement and were told by Navient 's agent ACT ( collection agency ) as of XX/XX/XXXX, the account was listed as settled in full and closed meaning it was sent back to Navient to update on both of our credit reports among other things. However, Navient still has the account status listed as a charge-off. Additionally, on Navient 's student portal through my account overview, it is listed as behind in payment. It has been more than 45 days and Navient refuses to uphold the terms of our settlement agreement. ( See attachment : Updated Navient Settlement Agreement ).

A settlement agreement was made by Navient 's agent with " actual authority, '' and it has to be honored. I am still being adversely affected credit wise while Navient has accepted payment in consideration for settling this entire private loan. Moreover, under the original CFPB complaint # listed above, you will find that Navient concedes to receiving this payment in its response but continues to state that it will remain on our credit reports until paid-off, in what world is that a settlement? I responded by questioning this statement because the language in our settlement agreement and our intent was to settle the account in full, not payment in full, meaning " One, Single, Final Payment '' to be done with.

According to Navient 's standard, settlement agreements are just a payment arrangement. Wherein the American justice system a court would read within the four corners of this agreement and find express language that no longer holds me or my cosigner accountable monetary wise for this private loan.

Nevertheless, to continue to report the status of the loan as a charge-off, and behind in payment would be '' inaccurate '' and a violation of the Fair Credit Reporting Act which carries {$1000.00} penalty per occurrence.

Further, I am alleging that Navient entered the agreement with " bad faith '' as it had no intent on holding up its end of the agreement instead it thought it could deceive a student into making a payment and continuing collecting the full balance. Fortunately, I received the settlement agreement via email before the account was sent back to Navient as " Settled in Full. '' I have attached all of the documentation as well as a recorded call that confirms that this account was sent to Navient as " settled in full '' and closed.
Consumer complaint received 2018-10-28
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. (KY)

Navient/Sallie Mae would not allow me to apply payments above the monthly amount due to higher interest loans and instead applied anything over and above the amount due to the loan with the lowest interest rate. This finally stopped last year, but had been going on for twelve years prior to this.