davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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. (CA)

I have reached the peak of my peatiece bedacuse of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be corrected under the provisions of the Fair Credit Reporting Act : 1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT EDXXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}
Consumer complaint received 2022-08-27
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: JPMORGAN CHASE & CO. (NV)

In accordance with the Fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-27
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)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

Zelle user and transaction fraud/scam. XX/XX/2022, I was in contact with another person from the app XXXX in regards to XXXX pair of pants bundle for {$30.00} she was interested in buying. She was unable to pay via XXXX  through the app and asked to pay through other ways. She mailed a check and it was the amount of {$1400.00}. I only wanted {$30.00} and wanted to return the {$1300.00}. This person asked for me to send the remaining amount of money through a third party ( her attorney ) as thats where the additional money originated from. Check was deposited into my bank account on XX/XX/2022 and was approved. Money was sent through Zelle XX/XX/2022. XX/XX/2022 Check was bounced back and additional {$1400.00} was taken out of my account. Person will not answer me on all emails and phone number. I ended up loosing {$1300.00}. Attached included fraudulent account holder for Zelle XXXX XXXX XXXX ) and her information, as well as fraudulent check.
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. (GA)

THIS IS NOT A DUPLICATE COMPLAINT AND THIS IS NOT FILED BY A THIRD PARTY. 

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 1. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX 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 2022-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

With the most recent press release from The Department of Education  ( see attached ) which states that NO FEDERAL LOANS have had to pay during the XXXX freeze, I request a refund of all the payments on my XXXX  loan that has been paid throughout the pause. I understand that XXXX loans were discontinued and some loans were serviced by the Department of Education while some are held by private servicers, however, these are still FEDERALLY BACKED loans, and considered Federal loans. Borrowers did not have a choice as to whether their XXXX loans were moved to the Department of Education or XXXX then Nelnet, therefore should not be punished by having to pay during this time while others did not.
Consumer complaint received 2022-08-27
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. (TX)

The Credit Reporting agency Experian has failed to do a completely thorough investigation of my file. I am a victim of Identity theft and I found negative information reporting as a result of Identity theft. I notified not only the following creditors but also the Credit Bureau about these accounts that were a result of identity theft, I also sent in a copy of all relevant information including my FTC report, ID, Social Security Card, and proof of address in which Experian had 4 business days to remove the fraudulent accounts. Experian deleted and removed the accounts then within 60 days later re-added accounts back to my profile stating the creditors sent back information stating the debt was valid. I have repeatedly asked Experian for a copy of the documentation that was provided stating that those accounts were valid and they have yet to respond and send that information to me. Not only was my rights violated by Experian deleting the accounts and adding them back after a response that took well over 30 and even well over 45 days. They have caused me so much grief also. Please read below for the following accounts 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX 3. 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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I recently disputed some accounts on my credit report that was not accurate, multiple accounts, they where supposed to be removed with proof from the original creditors, The credit bureaus have failed to acknowledge and execute on this issue for months now. This has been going on past 45 days. All proof is below, they informed me that if I was a credit repair organization or using a Credit Repair organization I would need to state that, no law says I need to state anything about my credit because it is part of my consumer privacy protection.
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. (NJ)

This company is reporting incorrect information on my consumer report. They are reporting charged off accounts as open and reporting medical information on my consumer report. According to FCRA all information reported must be 100 % accurate and verifiable.
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: CITIBANK, N.A. (VA)

have reporting several times to XXXX that an item on my report from XXXX XXXX was fraud and not my account. I want this item removed from my account
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-25
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: Troy Capital, LLC (FL)

I have 2 hard inquiries on my credit reports from Troy Capital , LLC that I didn't authorize. The dates of the inquiries are XX/XX/XXXX and XX/XX/XXXX. I have never applied for credit with Troy Capital , LLC and have never authorized this company to access my credit. 

These inquiries have damaged my credit score and have caused me to pay a much higher interest rate on my current loans. I will be seeking compensatory damages if these unauthorized inquiries from Troy Capital , LLC are not removed.
Consumer complaint received 2022-08-26
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 with the FAIR CREDIT REPORTING ACT XXXX has violatedmy rights. 

15 USC 1681 section 604 states i have the right to privacy 15 USC section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

XXXX -- Carrington Mtge . Said this is a duplicate copy of XXXX I don't know why any one would read this and come to that conclusion. This complaint is more damaging. I made a mistake on XXXX. The Insurance Carrington put on the house XXXX is {$400000.00} NOT {$300000.00}. That's the Correction from XXXX complaint. Carrington Mtge. took out Insurance from XXXX XXXX XXXX XXXX no # XXXX was issued XX/XX/XXXX at XXXX through XX/XX/XXXX. Why would Carrington put insurance on our home and we already have insurance. We had already paid {$2600.00} The premium paid to XXXX from Carrington was {$3700.00}. We had already paid XXXX XXXX {$2600.00}. Total paid out of Escrow was {$6300.00}. 
Carrington has not paid the Taxes on our property. It should have came out the Escrow. 
Account. The Current Year Fair Market Value in XXXX was {$230000.00} That's what 100 % Appraised Value. Why is Carrington have the same house paying insurance premium for a {$400000.00} thousand dollar house that should only value {$230000.00}. This is a Mortgage SCAM
Consumer complaint received 2022-08-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am a co-signer on a student loan. I was never notified that the payment was late and did not receive any invoices. The first correspondence was sent via US mail stating that the loan was late. I immediately made an on-line payment. This should not have been reported to credit reporting as I never received an invoice. I have tried to work with the loan servicer XXXX XXXX but they are not cooperative.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MD)

PNC called me about my 2nd home ... which is in default ... no fault of mine ... I tried to correct the problem but PNC would not work with me. I have a tenant with many children ... who is through XXXX XXXX XXXX. My tenant was to move XX/XX/XXXX ... but Covid-19 hit and we are in a state of emergency. PNC just called me ... threatening me ... ..and told me to evict my tenant in the middle of a global pandemic. 

Please see my email XX/XX/2020 ... to them ... and asking for at least payments to be deferred to the end of the loan ... as the President stated. 

To PNC : Good afternoon XXXX I just received a very disturbing call from PNC. 

We have a global pandemic and PNC just called me about my payments. 

As of now ... everything is frozen ... no evictions and no foreclosure because of Covid-19. 

My tenant was to move out XX/XX/XXXX ... but she is through Housing and Housing and our State has put a hold on everything. I have not received a payment from Housing because of the hold. The tenant is still there ... and I will not break the law by evicting her in the middle of this epic pandemic. 

PNC just told me to evict! Please tell PNC to back off or I will make the phone call very public. 

I expect ... as it's been stated - that at least 3 mortgage payments can be deferred to the end of the loan because of the global pandemic. 

Can you please have my payments deferred for 3 months ... as there is nothing I can do to change this situation. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD 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: Nelnet, Inc. (NY)

XXXX reporting late pay for XXXX 2022 when the other XXXX XXXX are reporting on time. Correct this inaccuracy immediately. According to federal law, everything is supposed to be accurate on my report. Even the balance is incorrect. Update immediately.
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NJ)

I paid off a loan for XXXX through Citi - customer service says XXXX but that site is not valid. When I call XXXX, it says my account is closed ( because I have paid it off ) ; however, a monthly recurring, automated bill pay for the amount of {$220.00} is still paid to this closed account. I have twice called my bank to try to stop the payments but they do not have a record of this. I'm confused, as this bank has my only checking accounts. XXXX will not give me the last four digits of the account from which the funds are drawn, but I gave them the last four digits of all known accounts but they do not match up. So I have to repeatedly request refunds from XXXX. I don't want them earning interest on my money that is not rightfully theirs. How do I rectify this very frustrating situation?
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

In XXXX of 2022, Loancare through their lawyers filed a MFRS ( Motion For Relief of Stay ) against my bankruptcy claiming I was over {$5000.00} in arrears. Through countless emails, time and work with the help of my bankruptcy lawyer we explained to them I was not behind and that the motion should be dismissed. 

While we were going back and forth LOANCARE sent a latter through their lawyers that I had an escrow overage in the amount of {$1200.00} and change that were going to keep because I was behind in payments. On XX/XX/XXXX LOANCARE through their lawyers files a motion to dismiss the MFRS because we proved to them that I was not behind on my payments. 

I have asked LOANCARE 's lawyers to have their client return my escrow overage to me since it is my money and I was not behind in payments. I still haven't received my overage.