davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian Employers : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXXXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are inaccurate 30 day late payments being reported on my credit report on an account that has been closed for over a year. I have tried to get the creditor and the credit bureau to fix this, but neither of them will fix it. This is causing my credit scores to go down drastically and it's not right. I sent Transunion a letter disputing this on XX/XX/XXXX and they have yet to correct, delete or respond. They violated the FCRA by failing to conduct a proper investigation and knowingly reporting inaccurate information.
Consumer complaint received 2022-06-01
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX All have 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
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I purchases a car and financed it through Chrysler Capital in XXXX, about a year or so I was in an accident. The car was totaled and taken to the impound yard where my insurance adjuster viewed it and confirmed that it was totaled and that it would be paid. A month or so later I was notified that the bank had taken possession of the car and it was no longer in the impound yard. I never heard anything further about it. Then I found it on my credit report as a charge off with the full balance of {$20000.00}. I've written the bureaus and the Chrysler Capital several times and no one will give me a response.I don't think I owe this amount even if the insurance didn't fully cover the cost it wouldn't be this high. I never received any paperwork from them. A few days after the insurance confirmed the car was totaled I went to a dear purchase the same make, model and color car I have never been late. Now a week ago a tow truck showed up trying to repossess the original car that they said they had from 5 years ago and I still have yet to receive any paperwork from Chrysler Capital or the impound yard for that matter.
Consumer complaint received 2022-09-26
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX I received an email from chase at my personal email address that Chase Mortgage was about to withdraw a mortgage payment from my checking account. 
I do not have a mortgage with Chase Mortgage and have never had a mortgage with Chase Mortgage. 
First, I called to verify that the email was from Chase and not Spam or Phishing. It was confirmed that the email address was from Chase.

I asked if the mortgage information can be looked up by the email address and reviewed by Chase customer service - without giving me any information about the loan to confirm that my personal email is associated with an account that does not belong to me.

I was told because I personally can not confirm the loan information- they are unable to confirm any information. So, I explained based on Chases way of protecting a persons information, if the loan has been with Chase and it would be reasonable to believe - the person with a home loan with Chase would not add another random persons email to their personal loan to receive notifications - then the only way a random email address could have been added is an internal error on the part of Chase. So, Im my case- I called Chase customer service and asked - how can I eliminate my email address from Chases notification system- so that I am not receiving any notifications from someone else personal loan.

Again, I was told my personal email address could not be removed because I can not personally provide the security information on the loan that has my personal email address.

So we ended our conversation with the customer service agent only apologizing nothing can be done. So this seem unfair to both the party that has a loan with Chase and me because Chase made an error.

For your information, the email address Chase is emailing to in error is unique only to me - because its my name. 

This is the from email address information : Chase XXXX XXXX
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020 I submitted a request for debt validation to XXXX XXXX XXXX in accordance with FCRA regulations. XXXX XXXX XXXX failed to provide the necessary and required documentation to validate this debt, yet they failed to remove this derogatory mark from my credit reports as required by FCRA regulations.
Consumer complaint received 2018-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This compliant is regarding Portfolio Recovery, which they claim I have open account in the amount of {$180.00} that was apparently opened XX/XX/XXXX. Please be advised that not only do I have no knowledge of the trade line they are reporting on my credit report, but they are in violation of the Arizona Debt Collection Act FIN Code : 32-1001 et seq. Which prohibits a debt collector or credit bureau from engaging in debt collection in Arizona unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the with the Arizona Department of Financial Institution. 
The ARIZONA DEBT COLLECTION ACT " ( ASCT ) '' defines a debt collector as any " person who directly or indirectly engages in debt collection ... '' and further applies to creditors attempting to collect their own debts. ARZ. FIN. CODE 32-1001 ( a ) ( b ) Furthermore, Sec.32-10559 ( b ) ( c ) of the ARZ. FIN. CODE. " prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the results of sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collections attempts. 

" ( R ) Reporting a debt to a credit reporting agency is powerful tool designed, In part, to Wrench compliance with payment terms ... ... " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( E.D.Pa. XXXX ) ; XXXX XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( D ) ebt collections use the reporting mechanism as a tool to persuade consumers to pay. Just like dunning letters and telephone calls. XXXX XXXX, letter from Federal Trade Commission Attorney 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.
Consumer complaint received 2022-04-06
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. (TX)

in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail
Consumer complaint received 2020-09-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (SC)

I have been attempting to contact XXXX  for years for them to look into an issue with my balance. When my loan was first turned over to them I was making a monthly payment of {$42.00} which would be $ XXXX/annually. I then started making $ XXXX/Mth payments for a total of XXXX/annually. After I refused to pay them until the issue was resolved, they began calling my ex husband and giving personal information to him to collect a balance. This information was used against me in a custody battle. I have spoke to two different people within the last few years, both of whom told me there was an issue with the balance and that the payments I was making were not being deducted from the balance. I paid $ XXXX/mth for a year and they only deducted $ XXXX/annually from the balance. I was told this would be adjusted and fixed so that I could pay off the entire balance. At this point I put my account on a forbearance, since this was what I was told I had to do until the issue was resolved. I will make a one time payment XXXX  to close this account but will not make any more payments towards the current balance of XXXX. They refuse to look into this issue and return calls or emails and continue to request money. As you can see on the attached spreadsheet, the amounts never went down, they continued to increase and payments were not deducted.
Consumer complaint received 2018-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CT)

Ive sent letters asking for verification of my original signature and was not given any proof only a bill that was generated from their computer systems this is old it came off my credit report and now they are back with the harassment phone calls please can you help me fix this
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

Since XX/XX/2021 I have been disputing a chapter XXXX and a chapter XXXX Bankruptcy that has been appearing on my Equifax credit report but received a response that it was verified through the courts. I again disputed the public record entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified and added that they purchased my information from a third party reporting agency called XXXX. I proceeded to write a letter to the Bankruptcy court and they responded by writing that they do not report to any credit agency nor do they verify information to any credit agency, I then disputed the information with XXXX and they in turn deleted the public record from their report. 
I have furnished the letter from the Bankruptcy court and the file from XXXX report but Equifax still refuses to delete these public record entries from my Equifax credit report.
Consumer complaint received 2021-12-04
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. (WA)

This is a company Experian and most of my profile information is wrong, repeated, spelled incorrectly, whatever! I have written, called and complained, put on hold and cut-off. Nothing is ever fixed, and this is a company that reports MY credit score?! There is no oversight here. Isn't that what you're for!?
Consumer complaint received 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX had a breach in there system exposing over 147 Million consumer 's personal information. My information was also taken and i have had multiple fraudulent inquiries. I have wrote multiple letters and made multiple calls asking them to remove all inquiries that are not attached to an open and active account. Also per 15 USC 1681, credit transactions, arising from credit cards should not be included on a credit report. I did not give any party written consent to report any information. My credit is in the 300s they are defaming my character with these inaccuracies on my consumer report which is making it almost impossible for me to be able to feed and provide for my family.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I haved disputed this with the credit bureas and provided proof of the inaccurate information. All three credit bureaus are reporting different information which proves it is inaccurate and the refuse to update this information
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by XXXX requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2022-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

I was transferring money to a friend via Venmo. I mistakenly selected someone with the same name. During the transaction, a security feature appeared asking for the last four digits of my friends cellphone number. Upon submitting this number, the transaction was complete and the payment went through to the wrong person. Obviously, Venmos security feature does not work. I was at the mercy of a complete stranger to return my funds, which they did. 

The false sense of security Venmo gives is very concerning.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

Since XX/XX/2021 I have been disputing a chapter XXXX and a chapter XXXX Bankruptcy that has been appearing on my Experian credit report but received a response that it was verified through the courts. I again disputed the public record entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified and added that they purchased my information from a third party reporting agency called XXXX. I proceeded to write a letter to the Bankruptcy court and they responded by writing that they do not report to any credit agency nor do they verify information to any credit agency, I then disputed the information with XXXX and they in turn deleted the public record from their report. 
I have furnished the letter from the Bankruptcy court and the file from XXXX report but Experian still refuses to delete these public record entries from my Experian credit report.
Consumer complaint received 2018-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX bought my XXXX XXXX Debt. They sent the initial letters to the wrong address and I did not get a chance to dispute prior to being placed on my credit report. 
Also this collection reports as an installment loan on at least one of the reporting agencies XXXX  as an installment loan. 

Please refer to complaint XXXX XXXX received complaint XX/XX/2018 Many other complaints such as mine were similar. 
This is not a installment loan Credit collection and not a loan. I paid monthly reporting as a loan is incorrect. I am requesting close with non-monetary relief no valid letter given to right address. This has caused much distress and hardship for me by not sending the validation letter to the right address, reporting as an installment loan to at least one of my creditors has greatly affected my score, as well as reporting monthly negatively on all credit agencies.