davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Wilber and Associates, P.C. (IN)

I was contacted by Wilber Group regarding a vehicle accident that occurred in XXXX. The person involved in the accident ( not me ) did not have permission to drive my vehicle. I had originally stored the vehicle with family in XXXX. The individual that involved in the accident took the vehicle without my permission and drove it to XXXX  where they wrecked it and caused property damage. 

Wilber Group has made repeated calls to me, threatening to forward information to my state and have my license suspended. After speaking with them several times and explaining I am not responsible for damage caused by someone that took my vehicle without permission, I still continue to receive phone calls from them. 

The last representative that called me said I was compelled by state and federal law to pay for the damages. After consulting a lawyer, Ive determined this is just a tactic used by them to try to get me to pay a debt Im not responsible for. The representative couldnt even tell me what law he was referring to. He also claimed my license would be suspended if I ignored their requests.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-08-03
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. (LA)

I have submitted several letters to 2 credit bureaus- Equifax and XXXX disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', XXXXdate verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

I was laid off from my job due to XXXX and was unable to make payments on my Chase Freedom credit card. I work in sports and entertainment, and my entire industry was on hold due to XXXX. I finally received employment again in XX/XX/2021. When I received my letter of employment, I immediately called Chase to accept the settlement offer that was offered to me. I have an excellent credit history and am just now coming out of the financial hole that XXXX caused. I am getting ready to buy a home and the late payments and charge off on my account are effecting my credit in an extremely negative way. It is the only negative thing on my report. I don't think that a hardship like losing my job during XXXX and being unemployed should force me to have less than stellar credit. I only wish that the senate made it mandatory for late payments and collections during XXXX to be deleted from personal credit reports instead of leaving it up to the lenders themselves. I will continue to dispute this until you find the decency to remove the late payments and charge off/collection status from this account on all three credit bureaus.
Consumer complaint received 2022-08-03
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)

I recently pulled a copy of my credit report on XXXX, and noticed several credit inquiries on my credit report that I did not authorize, as well a XXXX XXXX XXXXXXXX which I have never filed a Bankruptcy I'm afraid I might be a victim of Identity Theft. I contacted the credit bureaus back on XX/XX/2022 to dispute these items and was informed by the representatives at each bureau to file an ID Theft Report with The Federal Trade Commission.
Consumer complaint received 2022-08-03
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. (CA)

I recently pulled a copy of my credit report on XXXX and noticed several credit inquiries on my credit report that I did not authorize, as well a XXXX XXXX BK which I have never filed a Bankruptcy I'm afraid I might be a victim of Identity Theft. I contacted the credit bureaus back on XX/XX/2022 to dispute these items and was informed by the representatives at each bureau to file an ID Theft Report with The Federal Trade Commission.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OR)

Specialized Loan Servicing paid my property taxes late. I received a notice from XXXX XXXX XXXX requesting a balance due of {$50.00}. I called on the balance due notice on XX/XX/2022 and was told that from the XXXX XXXX XXXX that my property taxes were due on XX/XX/2022 and they did not receive payment from my loan servicing company until XX/XX/2022. I called loan servicing company on XX/XX/2022 and they told me they would research for a resolution. They did not pay the late penalty and interest so when we sold our property the title company withheld {$84.00} to pay XXXX XXXX XXXX. 

I want a refund issued to me from my loan servicing company in the amount of {$84.00} immediately as I did not pay this bill late so I shall not be held responsible. 

Specialized Loan Servicing had just taken over my loan servicing on or around XX/XX/2022 from XXXX XXXX XXXX  never have I had such terrible loan servicing from a lender. 

I just contacted XXXX XXXX XXXX again today XX/XX/2022 and was told that they received the late penalty and interest from XXXX XXXX XXXX and posted the payment on XX/XX/2022 and we closed on the sale of this property on XX/XX/2022 in the amount of {$84.00}. 

Specialized Loan Servicing is saying they are not responsible for refunding me my money because I already paid of my loan and it was not their fault that they paid with my escrow account my property taxes late.
Consumer complaint received 2022-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NM)

Background : Between XXXX and XXXX I owned condominium XXXX XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, NM XXXX. I sold it sometime in XXXX or XXXX and since then have had no further involvement with that property. The sale was conducted through a title company and all outstanding bills were settled at that time. 

XX/XX/XXXX : I received a demand letter ( copy attached ) from Diversified Adjustment Service ( DAS ), XXXX, MN for a bill from XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) that I did not owe. The DAS letter did not provide the service address or the service dates. I called DAS twice and spoke first with XXXX and then with XXXX. XXXX provided me with the service address which was condominium XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NM XXXX. 

XX/XX/XXXX : I called XXXX ( XXXX ) and spoke with XXXX. I explained the background and the DAS letter. She called me back in about an hour and apologized for the XXXX error. She said that XXXX would advise DAS that the debt had been satisfied. I asked for a letter assuring me that this " debt '' would not appear in my credit bureau file or any information that I had paid it. XXXX said she could not do that and that I would have contact DAS and the three credit bureaus individually to get any information they have corrected. I am XXXX years old and I don't need this aggravation. I believe that this bill qualifies as a zombie loan and that the statute of limitations was passed many, many years ago.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

EQUIFAX is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EQUIFAX permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EQUIFAX are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2022-08-03
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. (PA)

In accordance with The Fair Credit Reporting Agency Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A States that 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 consent
Consumer complaint received 2022-08-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (IN)

I was told that my mortgage was six months behind, and the mortgage company company can't tell me what months I fell behind. They said that I owe them XXXX dollars but I'm disputing that amount. Now they have remodified my loan my payment increase and they increase my interest rate too.
Consumer complaint received 2022-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

ACCORDING TO THE BANKRUPTCY COURT THEY ARE NOT REPORTING ANY BANKRUPTCIES AND THEY DON'T HANDLE IT BUT WHY ARE YOU REPORTING THIS BANKRUPTCY ON MY CREDIT REPORT?
Consumer complaint received 2022-08-03
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. (MA)

I booked my airlines ticket through Chase bank for about {$1900.00} for ( my mother, wife and daughter ). 
My XXXX and XXXX holds XXXX passport but have valid XXXX documents. 
My XXXX  is XXXX citizen. 

My family had a flight from XXXX to XXXX ( XXXX XXXX - XXXX XXXX XXXX - XXXX and XXXX XXXX - XXXX  ) on XXXX at XXXX. They had XXXX transfer from XXXX to XXXX, XXXX to XXXX and finally from XXXX to XXXX. They were not allowed to board the plane, reason from airline '' they didnt had transit visa. " Please see attached files. 
XXXX ) Letter from XXXX XXXX ( exempt list for transit visa ) XXXX ) XXXX XXXX website ( exempt list for transit visa ) XXXX ) Below file is a flight details. 

From the XXXX embasy letter it clearly says person having XXXX XXXX XXXX are exempt from transit visa. 

I called my travel agent ( Chase bank ) asking about clarification about visa requirement. They were not aware. So my wife and myself called lots of time at XXXX ( airlines ) and no one responded with proper answer initially ( They said since we didnt booked tickets with them they are not responsible to advise us. After repeated calling someone responded my wife and confirmed we dont need visa. Also i contacted XXXX embassy and they replied saying the same that person holding valid XXXX visa are exempt from transit visa. 

To be on safer side I uploaded all the visa information on XXXX website, if they wanted to deny ; why didnt they contacted me earlier? Saying you can not fly since you dont have proper documents. 

Since they were not allowed to board they had to return to a hotel and they were harassed by taxi driver on their way. This is not fair. I had to book a new flight in emergency which costs me {$5300.00} USD. I would request you to please look in the matter and pay me for all my damages. 

I am asking these because i called XXXX and also my bank ( Chase travel reward ) multiple times with the same question ( requirement for transit visa ) and no one informed us that they can not travel. 

I would request someone to really help me with this request. 

I raised a complain with XXXX ( airlines ) and Chase bank ( travel agent ). Without proper investigation they refused my claim.
Consumer complaint received 2022-08-03
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: CLGF Holdco 1, LLC (IA)

In accordance with the Fair Credit Reporting act, my rights were violated. 

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 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX and XXXX. Cc Federal Trade Commission. Cc XXXX XXXX XXXX.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.