davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2023 a Business account of JP Morgan Chase Bank was wired XXXX from my SBA loan account. Immediately upon not receiving the merchandise Chase was warned that the account the funds were wired too was a deceptive business who had been pirating photos of equipment on the internet and selling via multiple mediums to multiple people. Evidence was provided of piracy, and other victims. Chase said only the sending bank needed to reverse the wire. When sending bank attempted to reverse it, instead of letting the reversal go through or temporarily freezing the funds and opening an investigation, Chase took the response of the accused business that they " by terms of contract " they had 30 days to ship. There were no such terms, with out investigating or asking for proof Chase denied the reversal. Over 30 days past the incident sending bank asked for follow up and again Chase did nothing. I have researched and believe the offender does not have a Federal tax ID number and should have never been granted a business bank account. Chase representatives have not followed up with me or sending bank. Lack on their part of any investigation or attempt to stop this criminal
Consumer complaint received 2023-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (PA)

I am requesting the removal of this account from my credit report, as it currently displays a balance of {$0.00}. Additionally, I urge the inclusion of legislation that safeguards me, as an American, against debt collectors. Account details are as follows : Account # : XXXX Status : Closed Credit Limit : {$200.00} High Balance : {$300.00} Payment Amount : {$0.00} Last Payment : XX/XX/XXXXXXXX  Term : 0 Month ( s ) Description : Individual Open Date : XX/XX/XXXXXXXX  Closed Date : XX/XX/XXXXXXXX  Last Reported : XX/XX/XXXXXXXX  Days Late : XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status : Coll/Chargeoff Past Due : {$0.00} Worst Rating : Remarks : Payment after charge off/collection Paid profit and loss Completed : XX/XX/XXXXXXXX  Don't Remember Being Late : I have no recollection of ever being late with a payment on this account. Kindly furnish statements and records of all payments made and missed since the inception of this account.
Consumer complaint received 2023-04-24
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: Nelnet, Inc. (VA)

In accordance with the fair credit reporting act this creditor, Department of Education/Nelnet has violated my rights under 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 2023-04-14
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. (TN)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-24
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. (AR)

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. XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-04-14
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. (SC)

I sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX/XXXX, XXXX XXXXXX/XX/XXXXXXXX Balance : -, XX/XX/XXXXBalance : {$590.00},XX/XX/XXXXBalance : XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$100.00}, XX/XX/XXXXXXXX Balance : {$570.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXXXX/XX/XXXXXXXX Balance : {$1400.00}, XX/XX/XXXX XX/XX/XXXXXXXX Balance : -, XXXXXX/XX/XXXX ( Original Creditor XX/XX/XXXXXXXXXX/XX/XXXX ) XXXX Balance : {$700.00}, XX/XX/XXXX( Original Creditor :XX/XX/XXXX) XXXX Balance : {$270.00},XX/XX/XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$730.00}, XXXXXX/XX/XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00},XX/XX/XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00}, XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00}, XX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXXXX/XX/XXXXXXXX XXXX ) XXXX Balance : {$620.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX,XX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit Management has been reporting a debt on my credit report, and they have provided a court judgment to pursue wage garnishment. However, I believe there are issues with their ability to legally enforce this judgment. Additionally, I am concerned that the judgment may not have been obtained or assigned properly, and Midland has failed to provide sufficient documentation to prove their legal right to enforce it. Despite the removal of Midland from my credit report, they continue to threaten wage garnishment, creating an undue financial burden and stress.
Consumer complaint received 2023-04-24
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  XXXX - XXXX, Account XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX 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 XXXX XXXX, XXXX - XXXX, Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: P&B Capital Group, LLC (AR)

I received an email from XXXX XXXX  a representative of XXXX a debt collection agency on XX/XX/2023. The next day I saw this email on XX/XX/2023. The email was an offer to pay the balance of XXXX off in total at a discounted amount of XXXX. I processed a payment by debit card the same day XX/XX/2023 for this amount and received a message from XXXX stating it was paid off in full on XX/XX/2023 and further attempts to collect on the debt would cease. I have screen shots and a bank statement I can provide as proof of the offer, the transaction completion and bank statement records. Later in the this month I received a message from P & B Capital Group LLC. This is another debt collection agency stating the balance owed is still XXXX. I received this email on XX/XX/2023, upon receiving the email I immediately contacted the company at the phone number provided ( XXXX ) XXXX in the email. I spoke to a XXXX XXXX who is a floor manager. I explained the situation to him and we had several email messages back and forth following the call. I sent screenshots of the confirmation of payment made and the offer from XXXX. He stated that the offer I received on XX/XX/2023 was only valid for that day, however there was no indication of this in the email and certainly not when I processed the payment and received confirmation the debt balance was paid in full. XXXX XXXX then sent me a offer letter with the original balance of XXXX discounted to a pay off amount XXXX. So according to their records there was never a payment made which makes no sense. He stated the offer he sent was only valid up until XX/XX/2023. This entire situation seems unprofessional as I processed the payment and received confirmation the balance was paid and collections would cease. I have not received an explanation for where my funds paid on XX/XX/2023 were applied from XXXX XXXX.
Consumer complaint received 2023-04-14
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$870.00}, XXXX XXXX XXXX Balance Owed : {$3600.00}
Consumer complaint received 2023-04-24
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. (CA)

I am filing this complaint to Experian I sent them communication letters regarding the errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. It has already more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. 

My rights have been violated numerous times. 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 instruction.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC (MS)

This account is on an income driven payment plan and up to date and should not be listed as adverse. Also interest rates applied to balance are inaccurate. Account exceeds 7 years of being able to be listed on credit report.
Consumer complaint received 2023-04-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kovo (SD)

On XX/XX/2021 I sent the KOVO the following message from XXXX " I have enjoyed my service with Kovo. How ever, because I have been in the hospital for a month fighting COVID, I need to close all of my non-essential accounts. Please close my account before the beginning of the month. I don't believe I am entitled to anything but if I am please mail it to XXXX XXXX XXXX. XXXX, SD XXXX. '' They did not close my account like they should but instead added months of late payments to a secured loan against their own rules.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc (NY)

Hello I want to make a complaint against consumer report agency that disclose information that wasnt authorize by me to share nor wasnt even right to share since case was open and pending decision. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company ruined my opportunity to work for XXXX XXXX  all over an XXXXXXXX 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  I want consumer support from them froze, not only froze I a payment for my opportunity lost because checkr disclosed info that didnt need to be reported until the case was resolved. Innocent until proving guilty
Consumer complaint received 2023-04-24
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. (MA)

I have had a freeze with Experian since XX/XX/2023 and all of a sudden today my credit score dropped XXXX. I have not opened a new account since 2023, finished any kind of application to apply for a mortgage or done anything to deserve a drop this severe. This is the " answer '' on Experian 's website to what is hurting my credit score : Lack of recent non-mortgage loan information HURTING You have a lack of recent activity from a non-mortgage installment loan. 
Your credit report shows a {$0.00} balance on your non-mortgage loans ( such as auto or student loans ) or a lack of sufficient recent information about your loans. Having a non-mortgage installment loan with no missed payments and a low balance along with other types of credit demonstrates that a person is able to manage a variety of credit types. Having a 0 % installment loan balance to loan amount ratio is considered slightly more risky than having a low installment loan ratio. 

It does not list any hard inquiries or other accounts being open, and if so how did they get past my freeze?
Consumer complaint received 2023-03-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peoples Financial Corp. (GA)

Tried disputing in XX/XX/2022, XXXX, and XXXX XXXX every dispute was sent back verified even after request all documentation with my original signature but has yet to receive. This company has double reported for over a year damaging my credit as you can see enclosed Peoples are double reporting the same account with 2 different account numbers saying one is paid in full, and one is charged off. Report dates and open dates as well as amount is in accurate
Consumer complaint received 2023-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Select Portfolio Servicing, the company that service my mortgage has increased my payment starting in XX/XX/XXXX without any explanation, from {$600.00} to {$1000.00}. This loan is part of the bankruptcy discharged on XXXX XXXX. They are now calling me and harassing me demanding the payment. 

I have requested a modification since XXXX XXXX Also I have sent all the documentation and they are in the back and forth asking for more information. 

I lost my job recently since this one was a seasonal job. But income from unemployment is coming to pay the mortgage. 

I want this harassing stop and keep my payment of {$600.00}. Please help me and intervene so all these stop. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX # XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

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. XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-08-12
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC (TN)

I bought a XXXX XXXX XXXX  from US Auto sales around XX/XX/XXXX was supposed to have a XXXX warranty on it and a week later the check engine light came on. I tried to call and take it back to be looked at and the car lot was empty. Got an email saying they had to temporarily close the car lots but to still pay the bill through the finance company. Paid my bill then the people who took over called a month or XXXX later stating they were taking over and basically none of the money I put towards the car mattered and I would have to start payments all the way and not have my XXXX year warranty anymore because the warranty was voided when the car lot closed. So I been having to car out of work because the car has a coolant leak somewhere, the air dont work and I have XXXX kids that I have to take to school and football practice and games and the check engine been on since a week after I got it and it runs hot.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

I got a letter from Wells Fargo by mail on XX/XX/XXXX showing my checking account ending in XXXX will be closed by XX/XX/. The letter doesn't give any reason of the account closure. I contacted the phone number on the back of letter, XXXX, on XX/XX/XXXX, XXXX. One agent answered my call and tell me this is the final decision. They can not disclose any additional information.