davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
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: Experian Information Solutions Inc. (TX)

I am writing to express my profound dissatisfaction and frustration regarding the numerous unsuccessful attempts to correct the late opening of my account with your institution. Despite multiple requests for resolution, the issue remains unresolved, causing significant inconvenience and eroding my confidence in your institution 's service. 

I initiated the process to open an account with your institution. Unfortunately, due to unforeseen circumstances, the account opening was delayed. Since then, I have made several attempts to rectify this situation by reaching out to your customer service department, submitting formal requests, and adhering to the prescribed procedures for addressing such issues. 

Regrettably, each attempt to correct the late opening of my account has been met with inefficiencies, delays, and a lack of tangible progress. This has not only caused considerable inconvenience but has also raised serious concerns about the effectiveness of your institution 's handling of customer concerns. 

I wish to highlight the following issues : There has been a significant lapse in communication regarding the status of my account opening requests. Timely updates are essential for maintaining customer confidence and ensuring transparency. 

I have received conflicting information from different representatives, leading to confusion and frustration. Consistency in communication is imperative for a smooth resolution process. 

Despite assurances of follow-up, there has been a lack of proactive communication and action to ensure the prompt resolution of my concerns. 

I understand that administrative errors can occur, but the repeated nature of these oversights and the lack of satisfactory resolution are disconcerting. As a customer, I expect a higher standard of service, transparency, and a commitment to resolving issues promptly. 

I am formally requesting an immediate and thorough investigation into the reasons for the delays and inconsistencies in the account opening process. Furthermore, I expect a clear and detailed plan outlining the steps your institution will take to rectify this situation promptly and prevent similar occurrences in the future. 

If my concerns are not addressed satisfactorily, I XXXX have no choice but to explore alternative avenues, including reporting this matter to relevant regulatory bodies and consumer protection agencies. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Please remove these inaccurate inquiries from my credit report Account name : XXXX XXXX XXXX : ( XXXX ) Receivable Recovery : ( Medical ) LA XXXX XXXX Delinquent Recovery : XXXX XXXX of Water Sewage 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 1681B.

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 2023-08-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

On XXXX XXXX, I call Navient customer service. I had noticed that 2 variable rate loans ( Parent plus loans ) had recently increased from 4.2 percent ( approximately ) to 8.56.per cent. I asked customer service whether Navient had a legal obligation to inform me of the rate change. One customer service representative replied " Yes '' ; she was unable to locate any notification of the rate change sent to me. 

Secondly, having had the first telephone conversation disconnected by Navient, I called back the same day and asked what the calculation was to determine the varoiable interest rate. 
Customer service informed me that they could not/ would not give me calculation used to determine the adjusted rate. 
The two loans in question go back to XXXX. As of XXXX, the rate on the variable rate loans was approximately 4.2 %. 
Supposedly, Congress sets the interest rate on these loans ; I asked for documentation of the history of these loans going back to XXXX.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2021-11-27
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: Medical Data Systems, Inc. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : MEDICAL DATA SYSTEMS Account Number - XXXX Amount - {$2100.00} MEDICAL DATA SYSTEMS Account Number - # # # # # # # XXXX Amount - {$920.00} MEDICAL DATA SYSTEMS Account Number - # # # # # # # XXXX Amount - {$1000.00} XXXX  XXXX XXXX Account Number - # # # # # # XXXX Amount - {$180.00}
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-16
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was reviewing my credit report and was sent into an anxious spiral upon reviewing it. It is clear to me that the agencies did not do their jobs to make sure that the items and information that they were reporting was accurate and this has in turn affected my life quite negatively. The information being reported is inaccurate and just incorrect and needs to be corrected.
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (GA)

There are incorrect information and accounts reporting on my credit file : Please remove inaccurate personal information : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX ( XXXX ) The following is reporting as a result of Identity Theft/Fraud : XXXX XXXX XXXX - Open date : XX/XX/2017 Bal : XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-07-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (AR)

ILLINOIS XXXX XXXX XXXX AND XXXX XXXX LOAN TO TSI FOR COLLECTIONS. THE DATE WAS AFTER XXXX. XXXX XXXX XX/XX/2019.
Consumer complaint received 2024-02-06
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. (MS)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. XXXX Bank has did this on XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX and now XXXX of XXXX.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NC)

Some company named IC System just reported a {$440.00} collection account on my credit report. Before this account showed up on my report, I was not contacted in any way by IC System. If this was a legitimate collection, they are supposed to contact me first with a 30-day notice of my right to dispute, and give me 30 days to address the item, before they report it on my credit report. However, I was never given that opportunity. This is a violation of my rights under the Fair Credit Reporting Act, as well as the Fair Debt Collection Practices Act.
Consumer complaint received 2015-05-05
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (VA)

We were charged XXXX for XXXX XXXX seats on XXXX XXXX to XXXX. We have contacted XXXX and Chase ( the issuer of the credit card ). Both responded that we had XXXX XXXX seats so no refund was due. That misses the point. We do not dispute that we had XXXX XXXX seats ; the issue is that we were charged XXXX. 
The confusion stems from the following sequence : -- -XX/XX/XXXX We made reservations for the round trip to XXXX and purchased XXXX XXXX seats. 
XX/XX/XXXX We purchased a year long subscription for XXXX XXXX seats from XXXX. 
XX/XX/XXXX We contacted XXXX to cancel the reservations made on XXXX within the XXXX hour window for no-penalty cancellations. We explained to the agent that we intended to rebook and use our XXXX XXXX subscription to obtain XXXX XXXX seats on the new reservation.She said there was no need to cancel the reservation. She would adjust it to reflect our XXXX XXXX subscription. She did so ; sent a confirmatory email ; and the amount charged our credit card reflected the air fare with no charge for XXXX XXXX seats. 
XX/XX/XXXX XXXX charged our credit card for the XXXX XXXX seats with no notice to us. We learned of the charge in XXXX when we received our monthly statement. 
XX/XX/XXXX We submitted a written refund request to XXXX. 
Late XX/XX/XXXX After receiving no reply from XXXX, we submitted an electronic refund request. 
XX/XX/XXXX We submitted a refund request to Chase Bank, the issuer of the credit card. 
XX/XX/XXXX We received notification from XXXX that our request was denied because we had received XXXX XXXX Seats. 
XX/XX/XXXX We supplied Chase Bank with written documentation of the above transactions. 
XX/XX/XXXX We contacted Chase Bank to ask what was happening with our refund request. We were informed it had been denied because we had received XXXX XXXX seats.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my report and identified inaccuracies. I submitted a letter to XXXX on XX/XX/2024. However, it has been over 35 days, and there has been no response from the credit bureaus. This exceeds the time limit specified in 15 USC 1681i ( a ) ( 1 ) ( A ), indicating a violation. In summary, under 15 USC 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the completeness or accuracy of any information in their consumer file with a consumer reporting agency, the agency must, free of charge, conduct a reasonable reinvestigation. This process aims to determine the accuracy of the disputed information and update the current status within 30 days of receiving the consumer 's dispute notification. The agency may also delete the disputed item from the file if necessary.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2020-06-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I have been mislead by Wakefield and Associates. I have been actively paying old medical bills. I received an summons and called immediately to resolve my account. I even faxed my lengthy court summons to my case manager XXXX and inquired why wasn't the debt included with my other accounts. I also questioned the age of the debt being past statue of limitations and she initially seem confused about an summons being issued to me. It took her some time to research the summons being issued which is why I faxed over the documents. XXXX informed it was NOT necessary to go to court and we would continue our payment arrangement. She never mentioned that court cost would be tact onto my medical bills owed. They also apply payment from newest to oldest debt. Which I stressed the oldest debt should have received payment first hence the result of the summons. I disputed the court cost of {$120.00}, directly on their website and made a {$50.00} payment towards my medical bill. I logged in today to pay the remaining {$61.00} that was owed and discovered my payment was applied to court cost added in XXXX of 2020. This is unfair and unjust. I was informed the court fees would not be removed. Now XXXX claims she never advised it was not necessary to come to court, I had opportunity then to dispute this, refer to my packet and made a snide remark that the court summons got my attention for payment. I requested that my payment be applied to the medical bill and was informed it would take a week for the adjustment. Even with hardship, I have paid {$660.00} to them. I have attached the cover sheet of their summons indicating " You are welcome to contact wake & associates, inc to discuss this matter prior to your court date. Please note that although we can discuss your account and payment of them, we can not provide you with legal advice. please be advised that that costs, what may be awarded, have been incurred and are not specifically included in the suit balance. If you contact our office immediately, you may be able to avoid additional court costs ''. 

I reached out immediately for arrangements and made payment. Court cost fees is unfair and unjust. I have paid previous medical bill garnishment with this company in the past. This company is money hungry.