davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (PA)

This company outright lied to me in order to secure a payment and stop me from filing bankruptcy and including my car. I was told repeatedly by multiple people that if I made 1 payment of {$440.00} I'd be able to get an extension of my other past due. 

After literally taking the food of my kids table to pay this amount I was told less than an hour later that management won't approve my extension but that my car will be safe for a while 6 days before it goes back up for reposession on XXXX. 

I was LIED to and taken advantage of by this unscrupulous company who said anything to stop me from filing bankruptcy because they new they could squeeze one more payment out before taking my car.
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I began my search for 2 XXXX puppies to purchase. I located XXXXXXXX XXXX XXXX online and contacted XXXXXXXX XXXX XXXX for more information. After communicating with XXXX XXXX XXXX  via e-mail, we soon both agreed that I would like to purchase the 2 puppies. I received a contract ( attached ) which I signed and sent back. I then sent deposits, etc ... after sending payment through my Chase bank app I was notified from XXXX XXXX XXXX that the puppies were delayed in XXXX XXXX and more funds were needed via XXXX. I sent the money, and then the sketchiness began. I stopped receiving calls, etc... 

I contacted Chase bank & XXXX to resolve this issue and they provided me with no resolution and said that there was nothing they could do for this. Obviously disgusted by the matter and who would do something like this, I began utilizing all resources and securing documents that were exchanged. But with no luck or resolution from either company. 

Chase Bank & XXXX who both were notified refused to resolve this issue on my behalf as a result. Even with proof. Maybe it is something I would have to in the end look into a lawyer because the end result after having contacted both Chase Morgan & XXXX was not acceptable to say the least.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

I disputed the wrong information that Regional Acceptance has given to the credit bureau such as late payment, current owe a balance, and last payment balance. 
XXXX sent me a dispute update on XX/XX/XXXX stating per their last update as of XX/XX/XXXX all the information is correct and that my current balance is {$12000.00}, which as of XX/XX/XXXX, that's incorrect. 
They also reported my last payment was XX/XX/XXXX, which is also incorrect ; the actual payment amount owed is also wrong. 
I can provide that dispute update and a copy of my regional acceptance that shows as of XX/XX/XXXX ; my balance is {$8200.00} ; I have paid {$460.00} on XX/XX/XXXX, {$1500.00} on XX/XX/XXXX, {$1000.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX. 
This company continues to provide wrong information to the credit bureau, or the credit bureaus are reporting wrong information and I ask that all late payments be removed and that the account be updated. 
Please also be advised per Regional acceptance my next due date is not till XX/XX/XXXX The wrong report is impacting me on buying a house. 
I can provide statement documents proving what was reported is wrong.
Consumer complaint received 2022-08-25
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. (TX)

There are 4 unauthorized hard inquiries reporting on my XXXX and Equifax Credit reports from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-25
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. (FL)

This is not a DUPLICATE Report and this not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : US DEP ED Account Name : 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 an account without my written instructions.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (FL)

I recently pulled an Early Warnings reporting and XXXX XXXX report, and XXXX XXXX XXXXXXXX is still reporting an old account with a balance on the report that had caused an adverse action against me and my business when attempting to open a new business account. I filed a XXXX XXXX Bankruptcy on XX/XX/XXXX and it was Discharged by the Bankruptcy  Court on XX/XX/XXXX, and the XXXX  XXXX XXXX account was included in the Bankruptcy that was to be discharged. I called back in XX/XX/XXXX, and was advised that the bank would resolve this, but it appears it never has complied with the bankruptcy order.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

The credit bureaus stated that my accounts were properly investigated which is not the case the open date is inaccurate, the date last active is inaccurate, and last date reported is inaccurate. 
violation of the fair debt collection practices act violation of fair credit reporting act
Consumer complaint received 2022-08-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC (MS)

THIS IS CURRENTLY ON MY CREDIT REPORT AS THE ONLY BLEMISH. I have no idea who it is or what it is about. It is a false claim/transaction. 
The collector ( MRS BPO ) hung up when I called. ( I XXXX  the number from the credit report. ) I called back immediately and they were from XXXX and that they turned my information back to XXXX XXXX  ( without even discussion ) this may have been a fake call. 

There have been no attempts to collect, and my account with XXXX is in good standing with their billing department. They are unaware. 

I have been hacked. Police and federal authorities have been contacted. I need to assure that credit is frozen. From what I understand removing this will immediately increase my score by XXXX points. There are plans to move forward with other harassment and identify theft/stolen information charges-pending result. 

Please help me remove this bogus account from my credit report! I will do whatever I need including all police reports and legal cooperation. Online harassment has gone on for more than 2 years. Thank you.
Consumer complaint received 2022-08-25
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. (TX)

The credit bureaus stated my was properly investigation but how is that possible if the open date is inaccurate t, the date last active is inaccurate, and date last reported is not accurate. This 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 604 A Section 2 : It also stated 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
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

National Credit Systems , Inc., continues to send collections notices regarding a debt not owed. I spoke with their direct client, XXXX XXXX XXXX and I was told they would handle and remove this as a debt based on their ledger it was for carpet, etc. Because there was no debt owed. They sent a ledger for carpet replacement upon moving out of the unit and prior to moving out of the deplorable unit after I communicated many times to property management the carpet needed cleaning ; however, they never cleaned the carpet. I reached out to the direct client and the direct client representative stated I should have never received any bill for this type of service because once a guest moves out of a unit, they replace the carpet, etc. 

The latest attempt was to collect from a letter dated XX/XX/2022, from National Credit Systems , Inc . The letter states a Resolution Offer of {$1100.00}. Again, I do not own or owe this debt. These business practices are beyond me to accuse a guest of XXXX XXXX XXXX of something beyond rent.
Consumer complaint received 2022-08-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

equifax recieved my documents by fax and certified mail. I spend hours on the phone. They have incorrect information reporting and I sent all proof they said they never recieved it several inquires and XXXX XXXX XXXXXXXX on my credit report.
Consumer complaint received 2022-08-25
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. (KY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX and 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 an account without my written instructions. 

ACCOUNTS XXXX. XXXX XXXX XXXX Account # XXXX Balance {$430.00} Date XX/XX/XXXX XXXX. XXXX XXXX Account # XXXX Balance {$220.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$810.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Accounts # XXXX XXXX {$0.00} Date XX/XX/XXXX XXXX. XXXXDept of Ed Account # XXXX Balance {$8900.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$760.00} Date XX/XX/XXXX
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I DONT KNOW HOW MANY TIMES I HAVE TO REPORT THIS TO XXXX  XXXX XXXX XXXX TO XXXX XXXX TRANSUNION and XXXX BUT EVERYBODY WILL BE GETTING A DEMAND LETTER FROM MY ATTORNEY TO SHOW CAUSE AS TO WHY THIS IS STILL ON MY CREDIT REPORT. MY ACCOUNT XXXX XXXX ENDING XXXX NEEDS TO BE COMPLETELY AND INDEFINITLEY REMOVED FROM MY CREDIT REPORT. IT WAS NOT OPENED XX/XX/XXXX AND EVERYBODY KNOWS IT. ATTACHED IS SCREEN SHOTS DIRECTLY FROM XXXX XXXX XXXX  MY ACCOUNT WAS OPENED IN XXXX AND CHARGED OFF IN XXXX. XXXX  PURCHASED THE DEBT XXXX OF XXXX. THAT IS NOT DATE OPENED. THIS IS TOO OLD TO BE REPORTING IT IS ILLEGAL AND I WANT TO BE COMPENSATED DUE TO MY RIGHT OF ILLEGAL REPORTING XXXX PLUS DAMAGES. SINCE IVE REPORTED THIS TO YOU NUMEROUS TIMES- PLEASE TELL ME WHY YOU DID NOT DO YOUR DUE DILLIGENCE ON MY BEHALF?
Consumer complaint received 2020-04-16
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: CITIBANK, N.A. (NC)

URGENT. APPLYING FOR HOME LOAN. CREDIT SCORE IMPACTED BY INACTION. 

Citi Bank Credit Card - signed to get approved in order to obtain a Coscto Membership. 
Never activated the Citi Bank Credit Card - Costco charged the membership on the credit card without my knowledge. Therefore, since the card was not activated, I never received : A ) Statements, B ) Emails, C ) Notification of charges. Late fees were charged since XXXX of 2016 without my knowledge. 

I was alerted LAST MONTH in XXXX of these charges when my credit score was pulled to apply for a home loan. I spoke to a representative through Online Citi Bank Chat since I am hearing impaired. The representative I spoke to canceled : A ) The Bill, B ) The Late Payments, and C ) Closed the account. This should be as if the 'lateness of a bill ' never existed. I have attached the conversation between myself and the representative. 

Now, over a month later in XXXX, I found out my credit score has dropped even further due to Citi Bank 's inadequate reporting. It reads 'late ', 'delinquency ', and 'inquiries impacted report '. Questions impacted my credit score? I'm not allowed to ask a question without risking  my score dropping? I was assured on XX/XX/XXXX that the issue from Citi Credit Cards would be reported to the credit companies [ XXXX, XXXX, and XXXX ]. Obviously, that has not been done correctly. 

I am applying for a home loan and I have to be moved in by the end of May due to my new job. Can you please help me resolve this?
Consumer complaint received 2022-08-25
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)

The credit bureaus stated my was properly investigation but how is that possible if the open date is inaccurate t, the date last active is inaccurate, and date last reported is not accurate. This 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 604 A Section 2 : It also stated 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
Consumer complaint received 2022-08-25
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. (MN)

I am trying to clean my credit reports to the current date. I have sent letters requesting the removal of the bankruptcy reported by XXXX XXXX XXXX. I had the bankruptcy removed from this reporting agency back in XX/XX/2021. I have constantly written to XXXX, Experian, and XXXX requesting that this information be removed, to reflect that it was removed from XXXX XXXX XXXX report in XX/XX/2021. I will list all my information concerning this in my disputes and show how they will not update my credit report, with the current information that is reported by XXXX to date. All information related to the Bankruptcy and accounts should be removed from all three credit reporting agencies. These credit bureaus, that I have worked with over the last 3 to 4 years, have cleared information from my reports with no problem. I have removed old addresses, phone numbers, and incorrect business names, that were connected to someone with the same name as mine. This has become a really difficult process, but I must fight for my credit history to be updated to reflect my current situation.
Consumer complaint received 2022-08-25
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. (FL)

I DONT KNOW HOW MANY TIMES I HAVE TO REPORT THIS TO XXXX XXXXXXXX XXXX XXXX TO XXXX XXXX XXXX and EQUIFAX BUT EVERYBODY WILL BE GETTING A DEMAND LETTER FROM MY ATTORNEY TO SHOW CAUSE AS TO WHY THIS IS STILL ON MY CREDIT REPORT. MY ACCOUNT XXXX XXXX  ENDING XXXX NEEDS TO BE COMPLETELY AND INDEFINITLEY REMOVED FROM MY CREDIT REPORT. IT WAS NOT OPENED XX/XX/XXXX AND EVERYBODY KNOWS IT. ATTACHED IS SCREEN SHOTS DIRECTLY FROM XXXX XXXX XXXX MY ACCOUNT WAS OPENED IN XXXX AND CHARGED OFF IN XXXX. PCR PURCHASED THE DEBT XXXX OF XXXX. THAT IS NOT DATE OPENED. THIS IS TOO OLD TO BE REPORTING IT IS ILLEGAL AND I WANT TO BE COMPENSATED DUE TO MY RIGHT OF ILLEGAL REPORTING XXXX PLUS DAMAGES. SINCE IVE REPORTED THIS TO YOU NUMEROUS TIMES- PLEASE TELL ME WHY YOU DID NOT DO YOUR DUE DILLIGENCE ON MY BEHALF?
Consumer complaint received 2022-08-25
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)

These accounts do not belong to me. I've contacted the bureaus in reference to inaccurate information and they didn't respond and didn't address anything. Please see attached FTC report.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is currently listing a bankruptcy on my personal credit report. They have listed the source of this information as the U.S. Bankruptcy Court of Florida. The U.S. Bankruptcy court was contacted and they responded stating NO information was shared or verified with Transunion. I requested this information be removed from Transunion and they have stated that it was verified through the U.S. Bankruptcy court and it remained on my report. The paperwork attached verifies that the information has not been verified. 

I have attached it stating that the court does not report any filing to the credit agencies nor do they verify or validate such information with the credit agencies.
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NV)

Hello good afternoon! 
I got scammed and sent money through Zelle to the scammer and was not able to reverse the transaction in the amount of 2000 XXXX 

I spoke to the bank and Zelle fraud office and all they said is " we filed a claim '' there is nothing else they can do! 

It's a lot of money and I need to pay bills!!! 
please let me know if you can help. 
thank you!!!
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

I rented from XXXX XXXX XXXX  in 2016. I fulfilled a year lease and stayed 6 days in XXXX the following year before moving for a job. I was {$300.00} short on the rent which is a valid charge but I received a letter from XXXX stating I owe just shy of XXXX. I called them to get details and they had a long list of things like baseboard replacement, door replacement, hardwood replacement, 34 holes in the wall. My girlfriend and I took VERY good care of the apartment. There were scratches on the floor where my dogs cage was but other than that we were some of there best tenants. I had meeting with property and they thanked us for being so great and things seemed good. Few years later we get a false debt bill and are being harassed to pay. Also when we requested pictures of the damage from the apartment complex and XXXX neither could provide.
Consumer complaint received 2020-04-16
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. (AR)

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$110.00} XXXX XXXX XXXX  XXXX {$500.00} XXXX  XXXX {$300.00} XXXX XXXX {$1000.00}
Consumer complaint received 2022-08-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT I attempted to open a savings account with XXXX twice, once on XX/XX/XXXX and again, at their request, on XX/XX/XXXX. Both times I was declined. I received mail from XXXX dated XX/XX/XXXX that I was declined for the XX/XX/XXXX application due to information at ChexSystems. I requested on online a report from ChexSystems, which I received dated XX/XX/XXXX. All of the information from ChexSystems was correct, and matched what was provided to XXXX. On XX/XX/XXXX I contacted XXXX and requested more information. They advised me to resubmit my request. I did so on XX/XX/XXXX. This request was also denied. I followed up with XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX responded that I needed to verify my identity with ChexSystems. Although I am not sure of they date, sometime after this and before XX/XX/XXXX I called ChexSystems, which put my on hold several times while they reviewed my information but provided no resolution. They eventually sent me a new report, date XX/XX/XXXX, with the same information as before, with the additional inquiry from XXXX added. After receiving this mail I called ChexSystems again and was told they do not verify identity. On XX/XX/XXXX I called XXXX and was told the accounts were denied because of the response from ChexSystems, with no additional detail. on XX/XX/XXXX I called ChexSystems and was told they will not provide any details on the inquiries from XXXX and will only send the same report I have already received twice, which all has accurate information, and that I should check with XXXX as to whyI was denied. I am now at an impasse as both XXXX and ChexSystems are blaming each other an each refuses to provide any details.
Consumer complaint received 2022-08-25
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. (PA)

THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE GRAMM-LEACH BILLEY ACT I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT