davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX, I wrote to you requesting an investigation into a loan that should be reporting on my consumer credit profile. To this date, I have yet to receive any information or acknowledgment that said investigation has begun. In my previous request I listed the information and showed my wet signature that was also notarized. This is my second attempt now, and I will be also writing to the CFPB, Federal Trade Commission and the State Attorney regarding this matter. You have violated numerous U.S. Codes for consumer reporting agencies.

As you are well aware federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( 15 U.S. Code 1681m - Requirements on users of consumer reports ). 

I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX ), you will be liable for your willful non-compliance. 
You have violated numerous U.S. Codes for consumer reporting agencies.
Consumer complaint received 2022-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CO)

We wired money ( {$14000.00} ) on XXXX XXXX XXXX  from our credit union to our Chase checking account and the credit union transposed the last two numbers of our account and the funds went into someone elses account. Chase refused to do anything about it, so the credit union recalled the wire and are now being told by Chase that the member who owns the account that received the wire must give permission for the wire to be reversed. Well this is not their money nor was their name on the wire. As of today XXXX XXXXXXXX XXXX we still do not have our many back in our credit union account.
Consumer complaint received 2021-09-01
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. (NY)

On XX/XX/XXXX, I sent a letter by email requesting that Equifax investigate or delete disputed items from my credit report as well as remove these items from my report during the investigation period. I would like to point out this is a discriminatory practice. Equifax has decided to violate federal credit laws. 

As an XXXX-American I have been denied credit based on the incorrect information and the failure of the credit organization to remove the accounts. This is dead weight that has impacted heavily on my credit score. 

I have 10 closed accounts on my credit report that should have been removed ten or more year 's ago. Including a paid XXXX XXXX account from XXXX. 

Equifax refused to respond to my inquiries. Because of the failure to report accurate information I was declined a XXXX XXXX because of incorrect and inaccurate information. 

As of this date, Equifax failed to respond to my requests. 

XXXX XXXX XXXX XXXX XXXX is still investigating the matter regarding Equifax adding derogatory information after they were told to remove it. 

Equifax illegally put derogatory information on my credit report. The Under Writer from XXXX picked it up and I had to contact XXXX XXXX to alert them and let them know. XXXX XXXX executive team reached out directly to leadership at Equifax. Their behavior is totally unethical at best. 

I still to date have not received any update on any of the disputes. Nor have I received a updated credit report from Equifax. 

The XXXX XXXX XXXX contacted Equifax on XX/XX/XXXX. Equifax held the complaint for two weeks and failed to resolve the issue. Equifax incorrectly told the XXXX  XXXX XXXX they did not know nothing about me or my complaint yet we have an actual email from Equifax addressed to me. 

They refused to work with the XXXX XXXX XXXX. In addition they lied to the NYS Attorney General back in XXXX. They failed to correct or remove anything. 

The credit report was sent to CEO XXXX XXXX and President XXXX XXXX. I also sent over all of the disputed accounts XX/XX/XXXX. 

The law stipulates that Equifax must investigate within 30 days of receiving my letter and respond within 5 days of completing the investigation. They have not followed the stipulations of the law. In addition, I filed 13 disputes and they closed each one without responding or removing any of the information. 
They are beyond reproach. A data breach settlement of, {$570.00} XXXX yet the behavior continues. They do not care about consumers. They in fact are a part of the problem. 

I need to rely on an accurate and complete statement of my credit profile. They have been told multiple times to remove this information.
Consumer complaint received 2022-07-19
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: CLGF Holdco 1, LLC (NC)

On XX/XX/XXXX documents were sent to request a loan on the amount of {$1000.00} I declined this amount and a new document was sent for {$2000.00} by FEB/XXXX-RETAIL Account number XXXX. FEB/XXXXRETAIL under united medical states that I owe {$3000.00} of a {$4000.00} credit limit. Customer service has confirmed the amount of {$2000.00}. I also have receipts from the merchant I used the funds with which stated the lender directly send them {$2000.00} the all additional funds were paid directly by me. Id like to have the inaccurate information deleted from my credit report.
Consumer complaint received 2022-01-19
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. (AL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2017-01-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WA)

I have a private student loan that I got from going to XXXX in Oregon. That school is now closed. I 'm not even sure that the degree I got is usable. I feel that I was manipulated into signing forms so that they could get paid. I was very young and I think they lied when I was signing these loan papers. I thought all student loans were federal at the time and would have a lot of repayment options. This is a private student loan and there are hardly any options for repayment.
Consumer complaint received 2019-03-08
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: LEXISNEXIS (OH)

I am having major issues with fraudulent addresses appearing on my credit report. 
The following addresses are not mine possibly a relative or friend. I live at XXXX XXXX XXXX XXXX OH, XXXX this is my current and only address. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
Consumer complaint received 2022-01-19
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. (AL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2019-03-08
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. (TX)

XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX- FIRST REPORTED DISPUTE - XX/XX/XXXX - RESULT XX/XX/XXXX WITH TRANSUNION- NO CHANGE ON INACCURATE BALANCE DUE.

DISPUTE -XX/XX/XXXX- RESULT BACK XX/XX/XXXX WITH TRANSUNION - FOR DUPLICATE ACCOUNTS And would like to know why and how they are allowed to continue to damage my credit with this inaqurancy?

Also according to credit report accurancy, the account has it 7yrs on my credit report as of XX/XX/XXXX.
Consumer complaint received 2022-08-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Management Services, Inc. (CA)

I became aware of the debt by reviewing my 3-credit score, I had insurance at that time, I was not informed of any extra charges at the time of my services ware rendered, I contacted all XXXX they removed the information as well as XXXX. XXXX is refusing to remove the defamatory information, the original date of the services according to me was over 7 years ago and by default should be removed from the report. I disputed this information with XXXX XXXX or 4 times due to the fact the medical office didn't inform me that they war going to bill me for the services were rendered. According to my understanding of the law, a patient must be informed of any out-of-pocket expense at that time of service. 
I requested a copy of my original invoice or bill from the original billing, I was never provided with that information.
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AZ)

I originally started disputing some items on my credit report on XXXX/XXXX/15. I then received a reply from Experian dated XXXX/XXXX/15 stating that they think my dispute letter was " suspicious '' and that it was not sent by me. I even sent a copy of my driver 's license and utility bill in my initial letter. What else do I need to send? I have sent them multiple letters since then to dispute my accounts again and have yet to receive any result for my dispute.
Consumer complaint received 2016-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (ME)

Navient took all of income tax refund. XXXX. 5 months to date and still have not applied it to the loans. They continue to charge late fees and interest. With the XXXX, XXXX of the loans could have been completely paid off. I dont believe I am responsible for late fees or interest since they have had the funds all along.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XXXX of 2019 Citizens Bank put a late payment on my account.This was an automatic pay issue. Although Automatic payment was set up payment did not go through. I thought the issue was solved until i noticed my XXXX XXXX notification. I tried speaking with supervisor but were not able to help. This was not my fault but I was held liable for a computing error. It is the only payment from all of my cards that I have ever made payments " late ''
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CA)

A company by the name of TrueAccord continues to contact me in reference to an alleged debt that I am not aware of. They have stated the amount of the debt is XXXX and XXXX. I have requested multiple times that they verify this fraudulent debt and they have failed to provide me with the proper verification to investigate this alleged debt. I have sent multiple letters to this company. I have now sent in another letter and also provided a police report of this matter as this is reporting negatively on my credit report for a debt not mine or verified.
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC. (MI)

We have been struggling to pay our mortgage payment through the pandemic. Triad Financial Services has been horrible. They harass us and ask personal questions, as well as, criticize us because we are late paying because of our circumstances. They are unwilling to help and work with us. They just use threats and harassment to communicate with us.
Consumer complaint received 2022-01-19
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)

On XX/XX/2021 by certified mail I sent in a written dispute to Experian regarding an account with XXXX XXXX ( Collection ), that was being incorrectly reported on my file. After more than the 30 Days provided to the Agency to conduct a proper investigation on XX/XX/2021, I reached out to an Agent by the name of XXXX XXXX, who is an assigned case manager to my file. I explained that I was concerned as to why the invalid account was still being reported after the 30 Day period. The agent then stated that he would resend the dispute a second time, although the original time granted was expired and three days later I received a notification that the furnisher 's information would remain. I then recontacted the agent as to how was this second investigation completed after two days, as well as, questioned the lack of thoroughness and he stated that the company could simply reply yes or no to the information remaining on the account. Experian has failed to thoroughly investigate my dispute and remains reluctant to take accountability for their lack of efforts. This reporting has lowered my score by XXXX points when it first occurred and is havoc causing on my credit file.
Consumer complaint received 2015-10-28
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (NC)

My card was made inactive as usual when you go over the limit for your plan in a month, prior to this the amount I had available at that time was XXXX {$.00} it was there until RUSH card system went down then the balance changed to {$0.00} when I access my online account. I 've called customer service several times and have been told the system is still down at this time and no answers for me.
Consumer complaint received 2022-07-19
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. (NJ)

In accordance with the Fair Credit Reporting act the following accounts, have violated my rights. 

XXXX XXXX dealer services account # XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX card services account # XXXX XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Absolute resolutions account # 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 2022-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kramer & Frank, P.C. (MO)

I froze my credit card in XXXX of XXXX after my office shut down and I was temporarily unemployed. Previous to this office closure, I had always paid on time and had not missed any payments. When I called to reinstate my account I was told that it was past due and I needed to set up a payment plan with a specific website with a specific PIN number which I obtained. I was then contacted by mail in XX/XX/XXXX by an office representing the credit card company which stated the same information with a different total then I had. I wrote them back by mail in XX/XX/XXXX as was stated in the letter and detailed the agreed upon repayment plan and to confirm the payment restart date of XX/XX/XXXX. I did not hear anything further from anyone else until I was served with a summons on Wednesday XX/XX/XXXX stating that I had a court date of XX/XX/XXXX regarding this very credit card. They set up a plan and then proceeded to ignore the entire plan without contacting me and letting me know that they were no longer adhering to the plan we had agreed upon.
Consumer complaint received 2015-10-20
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NC)

My account was froze for 5 days. I could not access my money or check my account. My payroll deposit was 2 days late and as of right now I cant log in 2 see my transactions or account balance. You call Customer service and the phone just hangs up. I had to borrow money just to pay my bills. This has been one of the most stressful weeks of my life.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries 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 inquiries and delete them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2016-08-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Midwest Recovery Systems (LA)

I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2016 I noticed a collection on my credit reports from Midwest Recovery Systems for {$1300.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$500.00} and I paid most of that back.
Consumer complaint received 2022-07-19
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. (PA)

IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY ....

15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES I DIDNT AUTHORIZE. 
______________________________EXPERIAN XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX ( Miscellaneous XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/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 XXXX XXXX AND XXXX COLLECTION BELOW : XXXX XXXX XXXX Original creditor : XXXX Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$320.00} XX/XX/XXXX XX/XX/XXXX, _______________________________________ Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount XXXX
Consumer complaint received 2022-01-19
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 have tried continuously to resolve the following errors and misinformation on my report with these agencies, but they have ignored my requests and have caused me a great deal of XXXX I have missed out on employment, housing, and loan opportunities due to their neglect. 
I submitted all the necessary information for them to block the fraudulent XXXX  XXXX account that is showing. I have sent in the FTC report, Affidavit, cover letter and everything else they needed and they still wont block this fraudulent account even after it clearly shows that an account was opened in my name, but my XXXX  misspelled my name.