davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
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. (NV)

I HAVE ASKED XXXX NOT TO SEND ME A PRE-MADE LETTER STATING THEY VERIFIED THIS BANKRUPTCY WHEN THEY DID NOT SO NOW I AM EXERCISING MY RIGHTS REQUESTING A METHOD OF VERIFICATION/VALIDATION TO THIS INVESTIGATION. I RECENTLY SENT THIS CERTIFIED ONLY TO GET THE SAME PRE-MADE RESPONSE. PLEASE READ THIS REQUEST INTEL AND SEND ALL OF THE INFORMATION THAT I AM REQUESTING FOR THIS METHOD OF VERIFICATION BELOW : RE : METHOD OF VERIFICATION XXXX  : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s )  arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/24 I obtained a copy of my consumer report from the consumer reporting agencies ( Equifax, XXXX, XXXX ) I noticed multiple accounts furnished with inaccurate information. I had previously contacted these corporations requesting an investigation however to no avail. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts have been properly verified nor have I ever entered into a consumer credit transaction with these corporations. According to 15 USC 1681s ( a ) you are required to provide adequate evidence for maximum accuracy in your reporting. A copy of a legally binding contract with my wet ink signature will suffix between these companies in myself if this evidence can not be provide after your investigation then you must according to the FCRA permanently remove these items from my consumer report because they are causing grave damage to my overall character.
Consumer complaint received 2024-02-10
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax And XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the Fair Reporting Act, 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 reports relates. These accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not accurate or complete. 

Also, according to 15 USC 1681s-2, a persona hall 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. 

Check attachments below.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my right, And lists of unauthorized inquiries 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.
Consumer complaint received 2020-06-23
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. (MS)

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XXXX Today is XX/XX/2020 and I still havent heard from these companies.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

When I got into XXXX school my loans went into deferment, I have tried to make payments but have not been able to. I contacted them about getting my loans off of deferment but received an email that did not address my concern. Specifically, the email I received said my request for lower payments was denied, that 's not what I inquired about.
Consumer complaint received 2017-08-16
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. (GA)

I was approved for deferment. My deferment began on XX/XX/XXXX and ends on XX/XX/XXXX. During the deferment, no payments are due. On XX/XX/XXXX and XX/XX/XXXX payments of {$120.00} were deducted from my checking account. In addition, I canceled my auto pay, and payment was still withdrawn, in spite of.
Consumer complaint received 2020-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Credit Shop, Incorporated (FL)

I called Credit Shop on XX/XX/XXXX to make an arrangement for SETTLE CHARGED OFF REVOLVING ACCOUNT and it was not possible, they just wanted a single full payment for the debt, they told me the company don't make any settlement, i request two time for a supervisor and they never come up, the people on the phone were very rude, they answered me gruffly, The company name to search for is CREDIT SHOP , INCORPORATED
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

On XXXX I exited my rental lease early at the apartment property ( XXXX XXXX XXXX ) a XXXX XXXX XXXX in XXXX Arizona, due to an extremely bad experience, XXXX, apartment conditions etc. A short while after moving out I received a bill for certain charges. Two of the main charges were for the carpet which was only in the bedroom and a piece of vinyl flooring. While I was a tenant, I requested that the vinyl flooring be fixed. It was a small rip in the flooring ( Photo attached ) The maintenance individual stated at the time of request to fix it, that it was not something he could fix. I ended up being charged {$970.00} and it was actually fixed after leaving. I was also charged {$170.00} for the carpet that had some discoloration in the bedrooms. I was also charged for drywall issues which they cut due to water damage. ( Photos included ) We utilized an app called ( XXXX ) to make maintenance requests. Below are photos of many of the requests and I made to maintain the conditions of the apartment, Just to avoid being charged. I asked the district manager and to explain how I was charged so much. I also have attached a video of what the flooring looked like when I moved. I was sent a ledger and bill which is also attached but I do not believe that the amount was equivalent to the condition I left the apartment. At most all the all flooring needed was a carpet cleaning which is required and mandatory in all units when individuals move out. And I do not believe that the small piece of Vinyl in the photo was almost {$1000.00}. I know individuals who have moved out with more extensive damage and I dont believe the charge was as much.
Consumer complaint received 2024-01-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

1.I have never had an account with this company Credence Resource Management , LLC, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Credence Resource Management , LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ).
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of AmericaXXXX credit card. I have had for 20+ years. Always use autopay for full amount- to pay the balance. 
I had a {$2100.00} balance on XX/XX/XXXX the autopay payed {$86.00}. 
I had a {$4000.00} balance on XX/XX/XXXX the autopay payed nothing. 
I did not turn off autopay. 
Because I set up autopay years ago online, BofA has no record of it, no record of turning it off, nothing. 
I was charged a {$25.00} late fee because of missed XXXX payment. 
Charged interest on balance of course. 
My concern : how BofA turned off autopay. Even if I did, which I didn't, they should have sent me a confirmation email. 
Are they doing this widely?
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (GA)

XXXX  separate hard inquiries have appeared on my experian credit report. I believe there have also been  XXXX  on my equifax report but  XXXX  have been removed. All of these have been from Amazon/C hase for Amazon c redit cards. My husband and I started receiving them about the same time just a few months after refinancing our home. After conta cting Chase af ter I believe the  XXXX  inquiry, they stated they would remove the inquiries from my credit reports but they have not done so. The inquiries were on  X/XX/XX ,   X/XX ,  X/XX ,  X/XX ,  X/XX ,  X/XX ,  X/X ,  X/X ,  XX/X/XX ,  and  XX/XX/XX .   Below, I am noting below I have contacted the company but not for the most recent date.
Consumer complaint received 2024-01-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (OH)

Here is a more professional version : I have recently experienced ongoing issues when attempting to use XXXX through my Discover account, both in the mobile application and on the website. Each time I try to access XXXX, I receive an error message stating that the function is currently unavailable. Afterward, when I log out and attempt to log back in to my Discover online account, the system locks my profile and I have to contact customer service to get it unlocked. 

I have spoken to several Discover account specialists about this problem. They informed me that an issue with XXXX integration is preventing access and submitted tickets to resolve it. However, despite calling back numerous times over a period of weeks as instructed, the problem persists. Each XXXX has to re-create and re-submit tickets, but XXXX remains inaccessible and my online profile continues having to be unlocked whenever I get logged out. 

I am concerned that this ongoing technical issue has yet to be resolved despite my contacting Discover on XXXX  occasions and cooperating with their troubleshooting instructions. I would greatly appreciate it if the matter could be escalated and prioritized so I can regain full access to my online account features without further disruption. Please let me know if XXXX  other information is needed from me in order to get this issue permanently fixed.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This vehicle on account was a total loss in XX/XX/scrub>XX/XX/2021. Vehicle was paid off. Never received statements of true balance that needed to be paid after GAP insurance paid the auto loan. Credit acceptance has been reporting negative on my credit report since XX/XX/scrub>XX/XX/2021. Explained to company, I am not assuming debt however recieved judgement from attorney of balance. Payment was paid in full in the approximate amount of {$750.00} with the agreement the negative reporting be removed. Negative reporting was still on my credit and has a negative impact on my credit score. No monthly payment reporting was updated on the credit report accurately. All my payments are reported late. I requested documentations to show what payments were actually late or due on time and never received anything back from this company. When I called, the representative was very rude and didn't provide help. A few days late, I see a change in the comment under this account as " settled for less amount '' which negatively impacted my credit score.
Consumer complaint received 2020-06-24
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. (TX)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is vry incorrect. XXXX XXXX XXXX {$2100.00} XXXX XXXX   XXXX {$200.00} XXXX  XXXX {$2800.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX   XXXX $ XXXX XXXX XXXX {$100.00} XXXX XXXX {$2200.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$85.00}
Consumer complaint received 2020-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX I made a Bank of America, Automated Teller Machine ( A.T.M. ) deposit of three refund checks from XXXX XXXX, two of the three checks were held for fraud on approximately XX/XX/XXXX, the fraud department locked access to my on-line account. 

On XX/XX/XXXX at approximately XXXX I tried gaining access to my locked on-line account at a Bank of America branch located at : XXXX XXXX XXXX , XXXX XXXX , OH XXXX. XXXX called the XXXX XXXX Police Department at approximately XXXX requesting to trespass me from the Bank of America on XXXX XXXX XXXX. in XXXX XXXX, Ohio because I refused to leave until a banking representative was available ( up until XXXX ) to unlock my on-line account. ( XXXX XXXX Police Department, Event Number : XXXX ) I was harassed by XXXX while waiting for a banking services representative to unlock my on-line account and ultimately denied access to the Bank of America on XXXX XXXX XXXX. in XXXX XXXX, Ohio because XXXX a Bank of America Representatives request of law enforcement to issue an unsubstantiated trespass.
Consumer complaint received 2020-05-08
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: CITIBANK, N.A. (PA)

On XX/XX/20, I made 8 charges of {$1300.00} to XXXX. They agreed to pay for a hotel reservation on our behalf. On XX/XX/20 we received an email from XXXX saying they have cancelled our reservation. They attached a statement showing a refund for the full amount but we were never given a refund. We have filed disputes for all 8 charges. They have come back and rejected one of the charges, and we havent heard back about the other 7 charges. All 8 charges total XXXX. Please let me know if you can help!
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY (FL)

I can not belief that America express denied there loyal customer an increase obase on there credit score, credit score go up and down we have XXXX America express account and never being late on any of our account. but I can see that they did not denied that membership XXXX per year .just week ago they drop our credit to a XXXX dollar just about of a score that drop but ask us to send in our finical information and once they evaluation. then they put back up to XXXX on all the account it so unfair to be denied credit increase just because we are XXXX XXXX XXXX they think that you y can pay you bill but ask them how many navigation in our credit history report. never missed any payment never being late on time with all my credit account balance sheet good and they once to deened my credit increase how about denied membership that they charger the public. it unfair to the XXXX XXXX people now I want a XXXX increase basis because I.am qualify to have it. and let be clear about it. if I do not it just take. but they no I will pay it because like before I always pay any statement that that came in my mail box came in my plus the XXXX membership.
Consumer complaint received 2016-07-19
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: The Thomas Agency, Inc. (MA)

I had no money had all I could do to pay my rent. Offered to pay XXXX $ per month and he refused it. Called me at all hours. Never in my life have I had someone be so rude and disrespectful and not want to work with me. He made me feel about an inch tall and I cried I was so upset. Now on XXXX report these do n't even show and XXXX dies and has dropped my score. I had no idea I could dispute this. I did n't know to even dispute it to. Asked to speak to his manager. He basically told me I was trash. I did end up paying the XXXX $ XXXX and it 's still on my credit report. I just want it removed off the XXXX credit report.
Consumer complaint received 2020-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from TRANSWORLD/NAT XXXX I cant say this more emphatically, I have never had a TRANSWORLD/NAT XXXXaccount in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP