davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-11
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. (FL)

XXXX  says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there.  XXXX   XXXX  is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with   XXXX   and say it is still valid. i Had   XXXX  c redit cards with  XXXX   XXXX   (   XXXX    was formerly  XXXX  ) and I had difficulty paying them in   XX/XX/XXXX - XX/XX/XXXX   and stopped paying them. Las t  XX/XX/XXXX , I  called  XXXX   XXXX  and paid off all of the debts. They had sold it to  XXXX   XXXX . I have told them that I already paid  XXXX   XXXX  and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from  XXXX   XXXX  that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to  XXXX  and other collection agencies for the same amount of money. They also need to be corrected and removed  XXXX  also refused to take off  XXXX   XXXX  and  XXXX   XXXX  collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated.    XXXX   XXXX   XXXX   XXXX -  XXXX   accounts. They were paid off completely and in full. THey are not charged off.    XXXX   XXXX -They did not verify it belongs to me.  XXXX   XXXX  is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify.     So all these inquiries need to be removed.
Consumer complaint received 2022-11-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Phone : XXXX Email : XXXX Re : XXXX XXXXXXXX XXXX Dear Sir or Madam : I, XXXX XXXX XXXX XXXX am writing to inquire about financial assistance. My purpose for this request is due to a previous student loan exceeding the limit due. I had a student loan at my previous school XXXX University which I attended from XXXX to XXXX. 

Presently, I am enrolled at the XXXX XXXX XXXXXXXX, and I am in the dissertation phase of my studies. I began my studies at XXXX University in the fall of XXXX. Unfortunately, I had to take a leave of absence in the fall of XXXX due to an unforeseen fire. Due to the catastrophic fire and being displaced, I had to take a leave of absence for a year. 

As mentioned, I previously attended XXXX University and was, at that time, in the dissertation phase of my studies. I had completed all the requirements that were necessary to be at the dissertation phase of my studies such as passing the XXXX XXXX and doing the residency requirement which includes XXXX residencies. I informed XXXX University with written consent that I needed a one-year leave of absence. However, in spite of being advised that due to circumstances outside of my control, such as my house taking more than a year to be reconstructed and having to take care of my XXXX mother, XXXX University denied my request for leave. 

In this case, I subsequently enrolled in the University XXXX XXXX. I verily believe, however, that I would never have had to go to another school and take XXXX additional classes if XXXX had reinstated me. 

I respectfully request that I be considered for financial assistance to complete my present curricula and qualify for my degree. I pray that this consideration is granted and not denied due to the outstanding financial obligation for XXXX University. 


Sincerely ; XXXX XXXX XXXX
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TrueAccord Corp. (IL)

I just received a debt collection email on Sunday  XX/XX/22 at XXXX XXXX  CST. This is outside of the debt collection hours as well the email signature of the alleged company representative says they work Monday thru Friday XXXX EST. Therefore its actually XXXX XXXX  EST. 

Also on XX/XX/22 I received an email from the same representative XXXX XXXX at XXXX XXXX  CST.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (AL)

On XX/XX/20 I received my XXXX  XXXX card for unemployment compensation. I tried several times to activate my card. It continually tells me my information isn't correct and will not let me speak to an actual person to resolve this problem. I tried sending an email to the department of labor, but it won't go through.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This complaint is linked with XXXX. I am further disputing as TransUnion stated in their official response that the XXXX XXXX XXXX, XXXX XXXX XXXX was never removed from my credit report. Attached is a screen shot from XXXX XXXX that shows that this account was deleted TWICE under my " removed collections '' section. These were deleted on XXXX XXXX 2016 AND again on XXXX XXXX 2016. TransUnion has been untruthful in their response to my complaint. Again, this is in violation of the FCRA as this account was removed and added without giving me notice. I want this account deleted from my Trans Union credit report As Soon As Possible.
Consumer complaint received 2022-11-14
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: MARINER FINANCE, LLC (PA)

Mariner Finance # XXXX The above-aforementioned company has violated my rights. 

15 U.S.C 1681 section 602a states that I have a right to privacy.

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

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

15 U.S.C 1681 s-2 states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-14
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. (NY)

XXXX XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

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 XXXX 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 2016-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Access Capital Services, Inc. (CA)

I 've been trying to get this collection of my name or get it paid! I tried to dispute it but it know shows that this company sold it to a third party and its showing on my credit report as a recent collection of 90 days with a balance of XXXX my original creditor was city of modesto with original balance of {$350.00}. when they decided to sell it to this third company they decided to put it as a new collection that just open in XXXX of 2016. I 'm trying to fight this collection because its not a recent one and the information is not correct
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WI)

I have a Satisfaction of Mortgage that Dates back to XX/XX/XXXX That Chase states it is not there Loan, and on XXXX I have a S.O.M From Chase which is in our Register of Deeds here in XXXX Wi. I found out that Chase Not there Loan, Is XXXX XXXX  XXXX The Doc. 
ID.Match. XXXX also states paid in Full as of XX/XX/XXXX I have a S.O.M. From XXXX. Dated XX/XX/XXXX. again recorded in our Register of Deeds here in XXXX Wi. 
Info Dates back to XXXX. XXXX XXXXXX/XX/XXXX Paid Account XXXX Balance XXXX XXXX XXXX.In XXXX was going to Foreclose our Home another S.O.M. I Found out it was a Home Equity Loan This went on for Months. Found out what it From in a Chase office in Louisiana. I have a letter From XXXX XXXX  where we stated in XXXX It went from XXXX XXXX to XXXX XXXX they went Belly Up. 
took over by XXXX. I do have a Letter from XXXX XXXX that my Servicer Is XXXX. Under Wi.Law If you received a S.O.M. endorsed with Time/Date/ and Document number from Register of Deeds Office Nothing further needs to Be Made.The Home was Sold On XXXX Chase collected Approx.82,000.00 then Plus Int. from XXXX
Consumer complaint received 2022-11-14
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. (CA)

I receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and BoarXXXX where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
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: JPMORGAN CHASE & CO. (IL)

JPMorgan Chase Bank I have a checking account/ savings account & a couple of credit cards with Chase bank XXXX On my XXXX card XX/XX/XXXX to XX/XX/XXXX, XXXXPayment XXXX {$20.00} made on XX/XX/XXXX. I had instructed the bank to STOP this charge to XXXX XXXX & from this notice, they have NOT stopped the monthly donation charge. The full credit card # XXXX XXXX XXXX XXXX See message I sent again to Bank. 
I had notified the bank to STOP the monthly donation of {$20.00} to XXXX XXXX. " I looked @ my statement & on XX/XX/XXXX my card ending in XXXX was again charged the {$20.00} donation to XXXX ministries. YOU did NOT honor my request to STOP this monthly {$20.00} donation to XXXX ministries. I want this to cease immediately!!! I am making a report to Consumer Federal protection bureau since you did NOT honor my request to STOP this charge on my credit card!!! STOP itt IMMEDIATELY! '' PLEASE can you follow up on this as again I requested that this charge be stopped & yet the bank again charged me. I did notify the XXXX XXXX I was stopping the monthly donation. So they are aware of the stop payment!
Consumer complaint received 2017-01-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

I checked my credit report to find an unauthorized inquiry from chase auto in 2015. I received a letter in 2015 stating it will be removed. I also know this issue should have been cleared last year. I have a copy of the response from chase auto provided to me saying this error would be removed.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my personal mail and bills for your reference. For the record I have lived in the same residence for over 7 years.     My name is :  XXXX   XXXX   XXXX  Please remove all other name variations IMMEDIATELY. They are not accurate.     MY CURRENT WORK INFORMATION IS :  XXXX   XXXX  /  XXXX   XXXX   XXXX    XXXX   XXXX   My current phone number is : (  XXXX  )  XXXX  Also, my current and only address is :  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I HAVE RESIDED HERE FOR 7 YEARS (  XXXX  ) YEARS All other addresses are not accurate. Please remove THESES addresses IMMEDIATELY :  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , O H  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 , O H  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 , O H  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 , O H  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 , O H  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 , O H  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 , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2022-11-14
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. (MA)

On or about XXXX XXXX, XXXX I noticed in my email account that all of my payments " thank you for payment '' and " payment confirmation '' emails back to XX/XX/XXXX, have been Removed ( without my notification ) to make it appear that I have not made these payments, which I definitely have made. I believe that this may be a retaliation tactic for my court case coming up this week against XXXX. I am seriously concerned of this attempt to financially do fraudulent damage to me. I did make many calls to the customer service this past week, for this account and was told that there is a problem resending my the removed emails. I want those emails resent to my email account. This is not an online account but only I get payment receipts confirmation emails. I did do a test small payment of {$10.00} on XXXX to check on the site. The removal of these payment receipt emails I Believe is intentional to harm me legally and financially, I am near XXXX yrs old, XXXX, indigent and have dangerous XXXX XXXX and this situation is causing me enormous duress which can literally XXXX XXXX
Consumer complaint received 2022-11-14
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

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 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 payments are not correct
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the 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 Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXX XXXXXXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX  XXXX Original creditor : XXXX Account number : # XXXX Account name : XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. 
Account number : # XXXX ALLhave all violated my legal rights under the following laws : 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 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete this immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-14
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. (MI)

I ask the three credit bureaus to check and see was the information on my reports correct and no one got back with me about the XXXX accounts that's on my report none of the information matches at all the accounts numbers, dates, reported dates, last reported dates XXXX  XXXX  # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX/XXXX  XXXX  XXXX # XXXX If, after reinvestigation under paragraph ( XXXX ) 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 deleted 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
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ZIONS BANCORPORATION (UT)

https : XXXX This is a lot easier than getting Zions to own up to their incompetence. Maybe they should worry less about the company Golf Tournament and more about who keeps them in business.

Zions bank is the new XXXX XXXX.