davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX I entered XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX. I talked with XXXX about my concern with inaccurate information being reported in my consumer credit file and requested a copy of the original installment contract along with payment history. XXXX stated that the original contract is files kept by XXXX XXXX corporate office but she would need time to get the payment history. I told her I would return on XXXX XXXX XXXX and pick it up. After leaving the store XXXX calls me on my cellphone. She gives me a breakdown of the account that she told me when I was present in person she needed time to get that information together. According to the verbal conversation and I have included in the documentation upload the chargeoff amount is incorrect, the account status is incorrect. On the credit report Repossession shows as account status but clear from their own proof it shows account status as CHG Off. Collection status is incorrect. The date of account opening is questionable due to two dates showing XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX shows payment XX/XX/XXXX shows Invoice so which date is purchase date? 

I have disputed this information with TransUnion and somehow they seem to tell me this information is verified and accurate and I want to know how is this possible when the documentation from the creditor themselves proves otherwise.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! Account Name : XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN XXXX XXXX XXXX of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of this account immediately
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I confirm that the presence of inaccurately reported late payment comments on my accounts constitutes a violation of the 15 USC 1666. Each payment associated with these accounts has been timely submitted, and any deviation from this accurate reporting is unjust and illegal.
Consumer complaint received 2023-12-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Byrider Franchising, LLC (SD)

CNAC financing/JD Byryder intercepted my tax return before it hit my bank in XXXX, for an old car loan that defaulted through voluntary reposession in XXXX and portrayed themselves as a student loan in order to do it. I just found out this out today. The entire time, I thought it was a student loan that I paid off long before because that's what the IRS told me, but I can see in XXXX XXXX civil court search that it was actually CNAC that took it. A 9 year old debt collected by intercepting my tax refund before it was deposited into my account for a defaulted car loan. How are they allowed to do that?!
Consumer complaint received 2018-12-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Last year this time I hired an agent to short sell my home. I have had two buyers who back out. The last buyer backed out XX/XX/XXXX. The sell was scheduled for XX/XX/XXXX, however my agent was able to get the sale date moved until XX/XX/XXXX. In meantime I received another offer with was submitted XX/XX/XXXX, 30 days before the sale date. I received a letter from the bank acknowledging the receipt of the office XX/XX/XXXX. After some time my agent called the mortgage company she was told that I didn't qualify for a short sale because I hadn't submitted an offer beforeXX/XX/XXXXXXXX she was told I was sent a letter explaining ( first I never received any letter from them ) and my only option was cash for keys. 

After much going back and forth through agent and me even calling it seems that someone made a mistake at the company. The mortgage company needed some additional information that was sent to them however they keep saying the reason they denied it was because of the extra paperwork was not given to them. 

Unfortunately I don't have copies of calls, however they are recorded.
Consumer complaint received 2023-12-13
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. (WA)

i submitted a total of 3 disputes with Equifax to investigate about a hard credit pull inquiry in my credit report that i did not authorize because that credit pull came from an identity theft incident i had. i was notified that my driver license account was accessed and my information was changed, so i had to block my account and be issued a new driver 's license. then i filed a police report as well as the FDC identity theft report. i submitted these two documents to Equifax in my dispute. but every time they come back with the result stating that the credit pull was valid and will stay in my credit report for 2 years. i even did a freeze on my credit report with them and a fraud alert as well. what more could i do to prove that i was a viction of identity theft? they did not investigate properly and rejected my dispute less than 24hr as if it was an automated process. so now i am filing a complaint about Equifax and their dispute investigation into my issue.
Consumer complaint received 2016-10-10
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Manhattan Beach Venture, LLC (PA)

I am a 2014 graduate of a XXXX program with over XXXX worth of student loans. Naturally, I was looking for some debt relief or a solution to improve my financial situation. My mom sent me a facebook article about 'debt relief ' which led my to the " Student loan relief department '' ( I use this title very lightly ) based out of XXXX , California . I talked to a representative for a decent period of time via phone and before I knew it I was locked into a $ XXXX/month service ( they fill out your paperwork for the PAYE government loan forgiveness program ) before even thinking about what I signed/read ( my lender has made me aware of that I am able to do myself for free ). I attempted to cancel the service when I was made aware ( by fed loan servicing, my lender ) that I am able to complete the 10 minute process myself when I was made aware by " Student Loan relief Department '' that 'it was too late and the work was already done ', I could not turn back. I was also initially told that I owe {$800.00} up front or {$1200.00} over 3 years ( with interest included ) to only find out that I owe {$1200.00} PLUS interest accrued over the three year period. This company has misled me about many things on the initial phone call as well as over time through email and follow up calls. They denied my request to end our business relationship ( which was a scam in the first place ) and now are virtually unreachable via phone. My lender ( XXXX ) has directed me to the FTC and XXXX to report this and states that these are scam companies. Now I am stuck paying {$1200.00} PLUS interest further putting me into debt due to being misled and misinformed. Please help me! I am willing to do what ever is necessary to help other new grads avoid falling into this trap as well!
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Account XXXX XXXX XXXX XXXX XXXX I provided the original contract showing that the information on my credit report was incorrect and did not match the original contract. 

Experian keeps denying the original contract which is against the law of FCRA. To willfully allow incorrect information on a consumer report is a direct violation. 

I have provided proof by another Credit Bureau, XXXX that got the same dispute as Experian and XXXX deleted the account because it did not match THE ORIGINAL CONTRACT, I signed with XXXX.
Consumer complaint received 2023-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IN)

Per the FCRA, as a federally protected consumer.

SouthWest Credit Systems is furnishing inaccurate and incorrect information to the consumer reporting agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes.

Their inaccurate reporting has damaged my livelihood.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something As Defined by The IRS The IRS Clearly defines a charge-off as considered a certificate of indebtedness as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes their reporting of this account inaccurate! 


By Definition The IRS and CFR Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 Says SouthWest Credit Systems is a furnisher of information to a consumer reporting agency. 

XXXX XXXX XXXX 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.

In conclusion, I have shown them and I have put them on notice that they are reporting inaccurate information. The information is, in fact, inaccurate.

The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. 

Tracking Number : XXXX XXXX XXXX XXXX XXXX Tracking Number : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (MO)

I received a notice XXXX XXXX from Barclays of account been closed stating delinquency and revolving balances too high. There source of reference was a independent consumer reporting agency. Which credit reporting agency was not disclosed in the notice. This is also a violation of 15 U.S. Code 1681 ( a ) ( 4 ) a right to privacy and 15 U.S. Code 1681 ( a ) ( 2, disclosure of account information without my instructions.

This adverse action of withholding my rights to credit is discrimination, Securities fraud, violation of the Equal Opportunity Credit & Consumer Credit Protection Acts, RICO Act violation, engaging in dishonest and fraudulent business dealing involving my Securities account. Please rescind my original credit application on record and all associated Securities collateral.

I will file the following IRS and Treasury forms 1099-A, 1099-OID, FS 1048 and SF 95 for recoupment and file charges with the Securities Exchange Commission, for violation of 18 U.S. Code 1349. Section 10 ( b ) of the Securities Exchange Act of 1934, Material Misrepresentation or Omission.

In reviewing the Barclays Form 424 ( b ) ( 5 ) prospectus, Indenture Trustee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX that deals with debt securities it is in Barclays to close my account and refuse my tender to maintain the debt ( Receivables ). 
Receivables means all amounts shown on the servicers records as amounts payable by an obligor on any account from time to time, including amounts payable for XXXX XXXX XXXX XXXX XXXX XXXX Receivables that become Defaulted Receivables will cease to be included as Receivables as of the day on which they become Defaulted Receivables. For purposes of the FDIC Rule and GAAP, Receivables are financial assets ( XXXX XXXX I am aware you are trading my securities as a XXXX XXXX XXXX XXXX XXXX XXXX, with the indenture trustee as the nominee with XXXX XXXX XXXX with Barclays acting as the beneficial owner.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

The following inquiries were done without my written authorization or consent : 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and found a number of inaccuracies, including unauthorized inquiries and accounts with creditors and lenders that I have never done business with. I disputed the inaccurate information with XXXX, Equifax, and XXXX, but I have not received any feedback from them despite it having been over 30 days since I sent them letters requesting investigations.
Consumer complaint received 2023-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (WI)

I received a debt collection letter from AMCOL Systems in regards to a debt owed to XXXX XXXX XXXX. The letter did not include any information on the dates or services of this debt. I have been on a payment plan with XXXX XXXX for the past few years regarding all bills I have received. I have called them consistently to update my account and adjust my payment plan as needed. I spoke to them as recent as XXXX XXXX XXXX to make sure I was paying on my account and to adjust as needed so when I received this collection letter from AMCOL I wasn't sure if this was a scam or what to think. I contacted XXXX XXXX as well as AMCOL to dispute this debt as I have been paying on my XXXX XXXX account through direct deposit. I am waiting on documentation from XXXX XXXX
Consumer complaint received 2024-06-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (NC)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute Ticket # XXXX Hello Chairman : My name is XXXX XXXX XXXX I am a current, in good standing customer of the financial company, XXXX. I hold a Checking and XXXX banking product with So-Fi. 
More recently, during a routine checkup of my savings account ( # XXXX ). 

I was very disgruntled to find that there were two transactions allowed to be withdrawn from the account, which were not associated with any business relationship or product that I have ever purchased. 
On XX/XX/year> and XX/XX/year>. 

















These transactions are listed as follows : Upon noticing these within my account ledger, I immediately reached out to the support department to inquire and file a dispute. 

I was then advised by email that I would be out of all of the funds, because the transactions were over 60 days old and that the bank would do nothing to help me as a customer to recover my stolen funds from this business. 

With the state of consumer information in the United States being compromised at many business locations, I have no choice but to believe, that since I do not know or every have had any relationship with this merchant, that my information has somehow been compromised and my personal information has been along with it, as a customer of SoFi.

This should have been resolved by the customer support team, however since they are not based in the United States, I believe that they are not willing to assist and support me as an American citizen.

I am asking for a thorough and expeditious review and recovery of every amount of the funds that were taken out of my account and I am expecting a letter and phone call with an apology, that I have had to take my time from work to contact you this manner. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-09-14
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. (GA)

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

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 z : It also states a consumer reporting agency can not furnish a accounts without my writtenn instruuctions 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 vears 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reportings agencys if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2021-05-06
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: AmerAssist A/R Solutions, Inc. (PA)

My records associated with the account AMERASSIST, with account # XXXX, do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to AMERASSIST but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

My Chase XXXX XXXX XXXX XXXX XXXX XXXX checking account was closed some time around XX/XX/XXXX, which is also when Chase allegedly sent a letter to my home address detailing why which I did not receive. I requested another copy of the letter to be sent which was not approved. I waited around a month for the check to be sent before receiving no communication which prompted me to call them. The account funds total {$46000.00}, but Chase said that they will not send them to me until they verify XXXX checks from which I received the funds of 4 customers from. They asked me to provide the contact information of the 4 customers which I did on XX/XX/2024, but they claimed that the phone numbers I gave were not verified despite me directly obtaining them from the customers/check writers. On XX/XX/XXXX, I called the company 3 separate times and each time I spoke to an associate, when I raised the issue of them being vague about the verified numbers and how it does not make sense why they can not just contact the numbers I gave, I was hung up on all 3 times which led me to file a complaint. Furthermore, Chase has already deducted the money from all XXXX checks so they have all been cleared. For the documents I have attached, they include the customer business name or personal name, contact information, check amount, and a picture of the check written to my company. Because these checks were deposited online, I unfortunately can not send a receipt because Chase has blocked my access to online banking.