davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
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. (NJ)

On XX/XX/2018, I have asked XXXX, TransUnion and XXXX verification and validation of a Negative Public Record : XXXX XXXX XXXX NJ XXXX. 
I have explained my name XXXX XXXX XXXX is a very common name and we have over sixty XXXX XXXX just in NJ and 89 In NY. The Bankruptcy has been mixed up with someone else. I have sent letters and disputed this negative report on line with no success. This negative information is affecting me financially and emotionally. I have found several innacuracies on my report, however, this is the most damaging of all.
Consumer complaint received 2021-10-26
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. (TX)

I sent Experian a dispute earlier in the month because I noticed inaccurate information of my consumer report. Experian responded back claiming the following accounts were verified. I am requesting the method of verification as well as the legal required documents. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be EXCLUDED from the consumer report. Experian sent me a correspondence saying these accounts were verified which is admission of a violation of my federally protected rights. I also understand that pursuant to 15 USC 1681i ( A ) ( 1A ) an account must be removed from my consumer report until you are able to legally verify the account. I have attached with this complaint a letter explaining why the accounts are inaccurate, my passport card and utility bill for verification of identification.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

disputed with the three credit bureaus and transunion and experian have yet to remove these items i do not have a account with them nor do i owe them anything. I have been disputing for months. I have listed the accounts below Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX balance : {$4200.00} Identity Theft XXXX XXXX XXXX Account Number : XXXX balance : {$170.00}
Consumer complaint received 2022-04-30
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. (MS)

The credit bureau never did a proper investigation according to the FCRA.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (GA)

In the accordance with fair credit act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX - account # XXXX, XXXX XXXX  - account # XXXX, XXXX XXXXXXXX - Account # XXXX, XXXX  - account # XXXX, XXXX XXXX # XXXX, XXXX XXXX- account # XXXX XXXX  XXXX- account # XXXX XXXX XXXX -account # XXXX, XXXX  XXXX- account # XXXX, XXXX XXXX -account # XXXX, Has Violated My Rights. 

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

15 U.C.S 1681 section 604 section 2. It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.C.S 1681c. ( A ) ( 5 ) section States. No consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-09
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: EQUIFAX, INC. (FL)

I noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer I demand the following accounts be removed from my credit report immediately. In addition I demand to have a copy of my updated consumer report once the following changes have been made.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I pulled my credit report from all three bureaus and realize that there is an account I don't recognize. I wrote a littler to all bureaus stating ... 

" It has come to my attention that you are reporting an account that I do not recognize [ XXXX XXXX ]. After pulling a report from all three bureaus, I noticed that the account type is listed differently with each bureau, the open date is different, the past due amount is different, monthly payment is different, original limit and high balance lists different amounts. 
A few years ago, I was a victim of Identity Theftcopies of the police report and FBI agent contact information was sent to you at the time. To my understanding the law allows me to ask for all the documentation associated with this accountany detailed proof and/or copies of the original contracts and signaturesas I need to compare and match with my records. 
Please send an updated copy of my credit report to the above address ; in addition, I request that you send notices of corrections to anyone who received my credit report within the past six months. ''
Consumer complaint received 2022-04-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NC)

An unknown account flagged my credit files with inaccurate/unverified collection information. Their account was updated on XX/XX/2022. It took quite time to locate the company. There are not any names, addresses, or phone numbers listed on the attachments and I had no idea of who to contact. 
Please be advised that Credit Collection Services ( CCS ) are not Holders in Due Course ; no services or goods were received from Credit Collection Services ( CCS ) and I have not agreed to pay/tender anything to Credit Collection Services ( CCS ) on behalf of their alleged client for any reason. Credit Collection Services ( CCS ) have not provided any documents or itemized statements VIA MAIL proving I owe a debt to them. 
Proper documentation from Credit Collection Services ( CCS ) was NOT provided to me to allow Credit Collection Services ( CCS ) to verify the accuracy of their data before placing their account with the credit bureaus for collection. Credit Collection Services ( CCS ) did not include any contact information nor a number. 
This proves Credit Collection Services ( CCS ) is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 
I have not provided signed wet-ink releases of my private medical information to Credit Collection Services ( CCS ). This is proof that my HIPPA rights have been violated. 
Credit Collection Services ( CCS ) do not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Credit Collection Services ( CCS ) s reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof also. Please abide by all mail codes. All calls are recorded for my safety.
Consumer complaint received 2018-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC. (WA)

I a hospital bill that was turned over to collection to XXXX XXXX XXXX XXXX XXXX I paid off my bill in full on XX/XX/XXXX. Because they failed to discontinue my automatic payments from my checking account, they withdrew another {$50.00} dollars from my account on XX/XX/XXXX. I called them this same date and told them what happened and they said they would reimburse my account. On XX/XX/XXXX, I still did not receive the reimbursement and called them again. This time they said they didn't show that they had taken the extra money and I needed to send them proof of payment. On XX/XX/XXXX, I faxed them proof of payment. Called on XX/XX/XXXX and they said they received the fax and would reimburse me and that it would take a couple of days. On XX/XX/XXXX I still had not received the money and called them again. They said it would take up to 10 days for the money to be reimbursed. Today is XX/XX/XXXX and I still have not been reimbursed. Every time I call these people they give me a different answer. I think they are just stonewalling me hoping that I will give up. I am on social security and {$50.00} is a lot of money to me. This seems like an unfair and illegal practice to me.
Consumer complaint received 2022-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have been paying this debt since XXXX to Navient for the student loan I took out to attend XXXX XXXX  ( a subsidiary of XXXX XXXX ). Never have I once failed to meet my part of the agreement between myself and Navient/Sallie Mae XXXX This XXXX when I tried to recertify my XXXX with Navient I was told that I no longer qualify for the program. Since the beginning of my dealings with Sallie Mae/Navient they have failed to properly apply/allocate payments and refused my instruction, or just not held their end of our agreement. First, they steered me into paying more than needed on the loan by pushing forbearance on me ; then they capitalized all of the interest on the back of the principal between XX/XX/XXXX and XX/XX/XXXX. They repeatedly tried to convince me to privatize the remaining loan balance through consolidation with the promise of lower interest-rates, which would have removed me from the loan forgiveness process. Every year they make recertification details unclear. This has resulted in increased payments, added accrued interest to my principal, and even worse; caused loss of both protections and progress toward loan forgiveness. I HAVE NEVER MISSED A PAYMENT EVEN DURING GAPS OF EMPLOYMENT, AND DURING THE ENTIRE COVID-19 PANDEMIC. I was at the brink of losing everything, and still made the scheduled payments. Navient has been sued for violation of the XXXX XXXX XXXX Reform and Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. This organization has caused financial harm to countless consumers through their illegal ( and I would say criminal ) actions. The lawsuit against them included my home state of Florida, and the for-profit institution, XXXX XXXX  XXXX which I attended from XXXX. Once again : I HAVE NEVER MISSED A PAYMENT. Now I am being told that I no longer qualify to recertify my debt-forgiveness program. That I can not continue the XXXX which I have been in for over a decade now ; and would need to make less money if I hoped to restart the clock on my student loan forgiveness program. The only parameter I have not met is default of my loan. Now it seems that my honest effort to uphold my end of this entire mess is being snubbed because I made the personal sacrifice to do the right and honorable thing despite being lied to about opportunities that would be made available to me if I would only continue forward. This is beyond reprehensible. I am asking for some assistance in pushing back against this predatory behavior. It has been a struggle to make it this far alone. I need help. Please, some resources, advice, or actual legal and monetary assistance would be greatly appreciated to help me overcome this burden. Thank you. - XXXX XXXX XXXX
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Got a call from random person, saying they are working for some agency that help consumers to eliminate credit debts because they are paying too much interest. They told me not to pay any credits company such as Chase, and other credits card companies for 1 year and they will help me take care everything for me. They were sound very convincing and professional so I fell into their trap So on XX/XX/2021 XXXX XXXX charged me for {$3000.00} as a service fee for help me to eliminate Chase credit card debts. 
I did a research online and realized that these might be a scam, so I contacted Chase credit card to ask for disputes. I also emailed XXXX XXXXXXXX asking to cancel, but not reply at all. So Chase denied my dispute despite that I sent them the supporting documents that I emailed XXXX XXXX To reopen the dispute, I have to fax Chase a letter explaining the details. I sent to Chase a letter about 4 times, and I got denied from Chase every time. Chase told me to call the company and I did, but I always run into voice messages and I left my phone ask XXXX XXXX to call back, but never get any calls back. Chase doesn't want to work hard to help my dispute to get my money back from 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 — Old information reappears or never goes away
Company: EQUIFAX, INC. (MS)

On XX/XX/2021, I submitted a dispute for an account with XXXX. I think the balance on the account was {$390.00}. The estimated completion date for the dispute was set for XX/XX/2021. However, the dispute was never completed by that date. I called Equifax in regards to the dispute not being resolved within the 30 days and the rep told me that because of this, the account would be removed. The account was removed. 
On XX/XX/2021, I received an alert stating that the same account was placed back on my credit report, causing my score to drop by 32 points. I logged back into my My Equifax account to just see that the original dispute still hasn't been resolved and is still showing under investigation. Furthermore, there's a dispute that was done on XX/XX/2021 and shows completed on XX/XX/2021 that was NOT SUBMITTED BY ME. Shortly after that dispute was submitted and completed, the account with XXXX was added back to my account. According to the Fair Credit Reporting Agency, the original dispute submitted on XX/XX/2021 was not completed within the 30 days so the account was removed and should have remained removed. It should not have been placed back on my credit causing it to drop 32 points. What do I need to do fully resolve this matter?
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

CITIBANK is A FRAUDULENT CRIMINAL AND USES WORD SEMANTICS AND MANIPULATION OF FACTS, so i read the response, and it doesnt answer my questions, and is very deceptive, so you kept the original check, how long did you keep it before you sold it with a cusip number as a securities instrument?, I have located the financial institution you sold it to, did you also sell my original contract with the wet ink signature?, I BET YOU DID, AND ARE YOU GOING TO CHARGE SERVICE FEES TO MY TRUST ESTATE?, I BET YOU ARE FOREVER, so CITIBANK has sold the original instument which now there is no proof of indebtedness, I havent received a sworn statement from ANY citibank representative stating a wrongdoing committed by me, sworn to before a notary which makes it binding ; ; and yet citibank makes false claims on me? send me a sworn statement of wrongdoing committed by me and swear to it under oath, because you cant do it, YOU SOLD THE ORIGINAL INSTRUMENT AND MADE PLENTY OF PROFITS FROM IT AND IM GOING TO PERSUE THIS MATTER AND PROVE THE FRAUD AND LIES COMMITTED BY CITIBANK, I NEVER RECEIVED ANY ''BILL '' EITHER, SO SEND ME A ''BILL '' AND NOT A STATEMENT, A STATEMENT DOESNT PROVE ANYTHING, its all presumptions you XXXX liars creepy freekazoids criminals, HOW MANY SIGNATURES ARE YOU SELLING EVERYDAY YOU LYIN MOTHER XXXX, AND THE LAW SAIS YOU OWE ME THE INTEREST WITHIN 3 YEARS FROM ALL THE SECURITIES YOU SOLD USING MY TRUST ESTATE,
Consumer complaint received 2022-04-30
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. (MS)

The credit bureau never did a proper investigation according to the FCRA.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions