davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-02
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. (TN)

In accordance with the fair credit act The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXX Account XXXX XXXX, Account XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 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 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (IL)

This is the second time XXXX has reported this to a collection agency. The previous agency rejected XXXX 's claim because the debt could not be verified, and XXXX provided no proof of what they were charging me for. 

They are attempting to collect {$470.00} on phone service I do not have -- I have been an XXXX customer since XX/XX/XXXX. XXXX has previously told me that my account was closed in XX/XX/XXXX and they are unable to access it. I do not know what this debt is for, XXXX does not know, and has not provided me or the previous collection agent any information. All they did was refer it to another collection agency. This needs to stop.
Consumer complaint received 2016-07-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I went to the bank of America on XXXX XXXX XXXX in XXXX GA on XXXX/XXXX/16 i in the afternoon when everyone in the bank started to XXXX.I complained to the manager that they was a problem.The bank was evacuated after about 30mins and people people started to XXXX vigorously outside and paramedics and police were called in. 
I left to go home only to end up in the emergency where I was given a XXXX and told to get a prescribtion.I got a bill from the hospital which I took to the bank and I was given a number to call and I did but they told me the manager had to make a complaint I went back to the manager who told me to go call the number I called XXXX XXXX who told me to call your agency.I want my bill paid and also a settlement for suffering and XXXX.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, 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. (CA)

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : XXXX XXXX XXXX - Experian XXXX -Experian XXXX XXXX XXXX XXXX-Experian XXXX-Experian XXXX XXXX
Consumer complaint received 2015-12-16
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (GA)

My client entered into a repayment agreement with XXXX XXXX XXXX XXXX ( hereinafter referenced as " XXXX '' ) on behalf of Navient in regards to private student loan which were in default. My client understood entering into the agreement would cure his default. My client has performed under the aforementioned agreement since XXXX, 2014. However, in more then one and half years, Navient and/or XXXX have refused to cure the negative reporting entries on my client 's official credit reports. This slanderous behavior is now damaging my client insomuch as he is attempting to purchase a home, has a good credit score, but it being denied a loan because of Navient and/or XXXX misleading credit report.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OK)

I started a few months ago on my XXXX credit report. I called all XXXX open collection accounts original owners, explained my heath got real bad in XXXX mostly medical bills that was not filed with my health ins. I paid my office visit copay at that time. each one that I spoke with agreed, that 's why I have no collection accounts open {$0.00} Dept w /XXXX. I then started same dispute steps with my equifax credit report, they deleted all but XXXX of the same medical accounts? I explained & disputed accounts maNY MORE TIMES THEY WONT DELETE SAME EXACT MEDICAL BILLS, THAT WERE DELETED FROM MY TRANSUNION REPORT? XXXX, XXXX, EQUIFAX CREDIT REPORTS SHOULD ALL BE NO COLLECTION ACCOUNTS. IM XXXX NOW ON SMALL FIXED INCOME. IF I GET MY CREDIT SCORE UP TO XXXX THE STATE WILL HELP ME BUY MY KIDS & I A HOUSE. PLEASE HELP ME HAVE THEM KNOW ITS RIGHT THING TO DO, BECAUSE IT TRULLY IS.
Consumer complaint received 2022-07-19
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. (NV)

I opened inquiry-dispute more than 30 days now on my account card after not receiving the service I paid for ... credit company told me it will be credited to me numerous times now ... including calling and speaking with supervisor that promised me all taking care of ... nothing has been credited to my account... I want to open a lawsuit against my bank so they will not credit that dispute and keep lies to me on the phone when I calls each time ... .as ALL credit cards companies ... any dispute needs to be resolved 15 days and not that longer time my back holds it
Consumer complaint received 2023-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute a fraudulent collection account that has been reported to my credit report by XXXX XXXX XXXX XXXX, doing business as XXXX. The account in question has the account number XXXX and the original creditor listed as XXXX XXXX XXXX. 

I believe that this account is fraudulent and the result of identity theft. I did not open this account or incur the debt associated with it. I have already taken steps to report the identity theft to the relevant authorities and have filed a police report. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and remove this fraudulent account from my credit report as soon as possible. I am also requesting that you provide me with written confirmation that this account has been removed from my credit report. 

I have attached supporting documentation to this letter, including a copy of my police report and any other relevant documentation. If you require any further information from me, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/1975
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX 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 2021-11-04
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-03-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XXXX of XXXX I was forced to stop working for health reasons so I got behind on my car loan with XXXX XXXX XXXX XXXX ( XXXX ). I several attempts to put 2 payments at the end of my loan which XXXX allows you to do twice in the life of the loan. The first time I file the paperwork I apparently had my account number wrong even though XXXX sent me an email saying the money was debit from my account. The 2 times after that I was told you could only be 60 days behind, once I was 61 days and the lastest attempt on XX/XX/XXXX, I was told I was 63 days late so I had to make another {$400.00} payment along with {$390.00} for interest changes. I was unable to meet the financial burden asnInhad just pay {$200.00} in reposession fees along with a {$400.00} payment. On XXXX XXXX, the day before my car payment was due, XXXX took {$300.00} of my daughters ( XXXX XXXX ) {$390.00} XXXX XXXX payment as in was deposited into our joint account. I immediately called XXXX and was told that it was in the fine print of my car loan that they could take any moneys out of any account my name appeared on. I read the loan agreement called back XXXX, told them it wasnt in my agreement and asked them to send me a copy, the did not. On XXXX XXXX XXXX from Citizens Bank Collection department called to say I was 38 days behind, so I told her you just took {$300.00} out of my daughters XXXX XXXX she we would not have done that it would be fraud. XXXX put me on hold spoke with someone at XXXX, then told me oh we can take money out of your account it is in your agreement with for your checking account, which I have read all the documents I was given with my bank account and never saw that. I asked XXXX to give my Daughters money back and they refused. In all the months I have been behind in my car loan XXXX has not ever take mine or my daughters XXXX money, as I read they are not allowed to. Citizens Bank will not allow me to download any transactions from my car loan, Ihave attached the transactions from my joint account.
Consumer complaint received 2020-05-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NV)

Due to COVID-19 there was a extension put onto my account for 2 months. I was never informed that it would impact my credit due to the extension. I now cant get into my new place because my credit went below a XXXX due to this. 
I called them I'm not getting no help
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have been working with bank of america to prevent them from foreclosing on my home. Most recently I submitted modification documents they requested to prevent my home from being sold XXXX XXXX, 2017. I also submitted my information to the " Independent Foreclosure Review '' in which they determined Bank of America was in fault in the manner in which they moved my home into foreclosure. The IFR stated that consumer credit would not be affected and the fees that were accessed against the mortgage would be removed however, the fees were kept in the modification and Bank of America stated that they are entitled to recoup and I disagree. I owe approximately XXXX on my home however the modification added approximately XXXX. I have never received assistance from a homesave program and I was told I made too little money or I made to much. I am working full time now and I have a part time job as well. Please request IFR to provide the list of benefits it offered to the consumers and that Bank of America not be allowed to double my mortgage debt in using predatory practices. Previous Case number Case number : 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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX 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 2022-07-19
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. (SC)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX 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 2019-03-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I've been attempting to pay off my student loan with Navient for some time now, and after a fight to scrape together enough money to pay it off. So I contact Navient and arrange to make my full payoff amount and have my account closed. Since I do not trust them I mail out the check. I'm not giving these crooks access to my bank account. I'm told on the phone as long as they receive the check within 7 business days, I wouldn't be charged interest and the payoff amount will remain the same. I also told that they will close my account when the check is cashed. Navient gets the check 2 business days later and cashes it that same day. 

I log back into my account a week later to confirm that my account is paid off and closed. Not only is my account still active its accruing interest and I now owe {$3.00} on a loan that has been paid off in full. 

So I call them and go ballistic. I've read online how Navient does this to borrowers and makes it impossible for people to pay off their student loans. Navient said that since its under {$5.00} they will waive the fee. 

I need confirmation that this fee is waived and my account is closed as paid in full. I do not trust them to honor their word, they are a horrid company.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XXXX, XX/XX/2021 ), ( XXXX XXXX XXXX  XX/XX/2021 ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-01-23
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 am highly disappointed with this company with the way they are handling this issue I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in a word document, I am a victim of identity theft.I have mutiple accounts I DID NOT apply for listed on my credit report.I ask that these items be deleted so my credit report will only show accurate information.I reported the theft of my identity to the federal trade commission and enclosed copies of the report, I will like these items deleted from my credit report as soon possible.I have attached my affidavit and other supporting documents
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

To Whom It May Concern, I am writing to formally dispute the presence of a collections account on my credit report, as reported by your agency. I believe that this account is inaccurately associated with my credit profile, and I am invoking my rights under federal law, specifically 18 USC 894, to request verification of this debt.

Pursuant to 18 USC 894, I assert that I neither own nor have knowledge of the existence of the account listed under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I AM NOT LIABLE FOR THIS DEBTS. 
I DO NOT HAVE A CONTRACT WITH ANY OF THIS COLLECTION AGENCIES. 

Furthermore, pursuant to 18 USC 8, I affirm that I owe no debt associated with this accounts.

As a consumer, I am entitled to request verification of any disputed debt under the Fair Credit Reporting Act ( FCRA ). Therefore, I kindly request that your agency conduct a thorough investigation into this matter and provide me with the following information : Documentation verifying the debt, including any contracts or agreements bearing my WET SIGNATURE.

Proof of ownership of the debt by the reporting creditor or collection agency.

Verification of the accuracy of the reported information, including the amount owed and the dates of the alleged transactions.

I understand that the FCRA requires credit bureaus to investigate disputed items within 30 days of receipt of a consumer dispute. Therefore, I request that you provide me with a written response detailing the results of your investigation within this timeframe.

Furthermore, I assert that the reporting of this disputed account violates my consumer rights to privacy pursuant to 15 USC 168b. The company in question has no permission to report any information using my personal information pursuant to 15 USC 1681 4.

I insist that any communication regarding this matter be conducted in writing to ensure clarity and documentation.

Please note that failure to provide the requested verification within the prescribed time frame may result in further action to protect my rights under federal law.

Please note that pursuant to the FCRA, if you are unable to verify the accuracy of this account within 15 days of receipt of this dispute, you must promptly delete it from my credit report.

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MD)

I have a chase southwest credit card. At the beginning of the year, I enrolled in one of those chase pay over time plans where they advertise that you don't get charged interest on things you enroll in the plan. After months of paying on the bill, I noticed that my overall balance was not reducing. As a result, I decided to try and pay {$2000.00}, the total amount on the non-interest saving balance so that all that would be left is the pay over time plan portion. I logged into my Chase account and to my surprise there were only options to pay the card in full or pay the interest saving pay over time balance. I obviously didn't want to pay the portion that was not accruing interest and since there isn't an option to select that I called Chase. I asked Chase to apply the XXXX to the amount that was accruing interest. They told me that they could not allocate funds that way, but once I made my monthly payment, any extra would go towards the amount with the highest APR. So I made my monthly payment and then paid XXXX  extra so that it would go towards my non-interest saving balance. Low and behold when I logged into my account today they put all of my money towards the pay over time part that was not accruing interest. These seems to be a violation of consumer 's trust because it's misleading how the entire program works, they specifically lied about how they apply payments, refused to apply payments the way I asked or even provide an option consistent with consumers having an option to choose how to apply payments above and beyond the minimum. It took a lot to pay that money at once and it feels wrong that they are able to just take it and keep me in revolving debt by applying it however they choose. I tried calling to get them to resolve this, but I couldn't talk to anyone to get help. I decided to file this complaint because I'm sure that I am not the only consumer they have done this to.
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. (LA)

In accordance with the Fair Credit Reporting Act Bankruptcy XXXX XXXXXXXX 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