davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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. (NV)

On my credit report, I have been disputing fraudulent items. The things are neither removed from my report nor do they appear to be under dispute. My credit score has been impacted by these fake things because the bureaus appear to be ignoring the pattern. If the things claim to be mine, I have asked that an investigation be opened and that verifiable documentation be provided. ENOUGH is ENOUGH for me! How much documentation is necessary to actually get someone to do something? ASK TO VIEW THE ATTACHMENTS! NOT IN ROCK SCIENCE, THIS! I've provided the documentation you requested. ANOTHER TIME, AGAIN, AND AGAIN! This is my final resort before I discuss this with my attorneys and file a lawsuit to recover all damages and money due. Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-09
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. (CA)

15 USC 1692g ( Validation of debt ) ... 15 USC 1692 ( Legal action by debt ) ... 15 USC 1692e ( False or misreading representations ) ... 1681s-2 ... Here are the accounts I would like to get Removed A.S.A.P ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... Since these companies are not the original creditors they can not validate the debt please delete A.S.A.P ... Thank you...
Consumer complaint received 2023-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' CAPITAL ONE AUTO FINANCE is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' CAPITAL ONE AUTO FINANCE the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, CAPITAL ONE AUTO FINANCE  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' CAPITAL ONE AUTO FINANCE, Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I am in bankruptcy as of  XXXX   XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all  XXXX  bureaus ) shows a   XXXX   XXXX   XXXX   account. I never had a  XXXX  account. there is a memo that states it  may be a    XXXX   XXXX   XXXX  account which was included in my bankruptcy.  XXXX  is reporting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  XXXX  reports : Collection as of  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  and Filed Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.
Consumer complaint received 2023-08-15
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: CORELOGIC INC (MD)

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to CREDCO. In my credit report from XX/XX/2023, I found unauthorized inquiries that I was not aware of, according to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and I want my credit report to be accurate.
Consumer complaint received 2023-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

My mortgage was sold several times and ended up being serviced by US Bank. Overall, the experience has been fine, but I want to pay my home insurance and property taxes directly instead of having them escrowed to have control of my cash flow and realize the interest on the money over the year. I contacted US Bank and they want to charge a fee over {$600.00} just so I can my bills myself. I think this is incredibly unfair especially as I never agreed to their terms and have been forced into them servicing my loan. All I want to do is stop having them escrow by taxes and property insurance premiums.
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (GA)

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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-11-21
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: EQUIFAX, INC. (FL)

Basically I called the credit company, and they gave me the run around, about what actions and processes had to be done. Did not help whatsoever, made it sound like they were reading the response from a script. Was not satisfied and did not get my problem resolved.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

On date XX/XX/2022 I sent a dispute letter to Experian regarding these following accounts accounts. XXXX XXXX  XXXX XXXX and XXXX XXXXXXXX. They responded on my request XX/XX/2022. And they are in Violation of Section 623 notice of dispute. Pulled my credit report today XX/XX/2022 and the notice of dispute was not there. By law they are required to put notice of dispute within 30 days when they received the dispute.
Consumer complaint received 2017-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (CA)

For the 4th year in a row AIMloan.com has charged me {$2300.00} for flood insurance because they ca n't seem to properly communicate with the insurance company that properly handles the flood insurance for my condo.     This has happened every year since   XXXX   and every year they get their copy of the insurance. I 'm tired of fixing this because AIMloan and  XXXX   XXXX  have a communication issue.
Consumer complaint received 2023-08-10
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. (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. 

XXXX. XXXX XXXX XXXX, XXXX Acct # XXXXXXXX, has violated my rights. 

XXXX. XXXX ACCT # 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 2023-05-03
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: Experian Information Solutions Inc. (PA)

Thank you for responding to my complaint, I am disputing the findings from your Consumer Reporting Agency. Please note, 611 5 ( A ) which explains, Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 
Please advise who did your Consumer Reporting Agency speak to at the US Bankruptcy Court to verify, update, correct, or modify whether the bankruptcy listed on my credit report is accurate? I ask this question because my credit report explicitly states your company got the information from a third party ( XXXX XXXX ) and therefore it may not be accurate. Did XXXX XXXX  or your Consumer Reporting Agency travel or speak to the New Jersey Bankruptcy Court and verify, modify, update, or correct the information in person? If so, please include the documents showing the bankruptcy is in fact accurate, updated, correct, and verified including the entire docket showing this action based upon the law.

Please explain how your Consumer Reporting Agency intends to modify the information in the bankruptcy filing. Can your Consumer Reporting Agency modify the information in the PACER Database that Lexis Nexus used? Can your Consumer Reporting Agency modify the information in the State, Federal, or Public records related to the bankruptcy? Per the US Bankruptcy Court, they do not modify, verify, or update the information for Consumers or Consumer Reporting Agencies. Please advise and share in writing the workflow and documents in place to open the docket to update, modify, verify dispute, and correct information on my behalf with the US Bankruptcy Court as a Consumer Reporting Agency.
Consumer complaint received 2023-08-10
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. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of inaccurate addresses which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2013 XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2013 According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-02-11
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. (NJ)

This is criminal. 

I have an old XXXX XXXX XXXX account ( XXXX ) showing on my credit reports with inconsistent and inaccurate information. I will attach a a picture for reference. You can see on the 3 credit report attachment that the following information is inconsistent across the three credit agencies : 1. Account Status 2. Date Opened 3. No of Months ( Terms ) 4. High Credit 5. Payment Status 6. Last Reported 7. Date Last Active 8. Date of Last Payment The payment history is also inaccurate. XXXX had the account in Charge Off Status for over a year after it was legally settled. I obtained a car loan 13 months ago and my interest rate was affected by this fraudulent information ; meaning I have monetary damages due to this illegal reporting. I disputed multiple times and the information is still there, the only thing XXXX did was change by last few payments to " On Time ''. IF IT WAS A CHARGEOFF HOW CAN IT SUDDENLY BE PAID ON TIME THE LAST 6 PAYMENTS. Please look at the attachment and see how insane this reporting is. I will be seeking legal advise.
Consumer complaint received 2023-08-10
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. (SC)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00}
Consumer complaint received 2023-08-10
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 third XXXX  to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I obtained a loan to buy a new car in  XXXX  from  XXXX   XXXX   XXXX  and have been paying the loan on time as stipulated in the loan agreement. Recently I obtained my credit report in an effort to obtain a mortgage and it showed on my report that I have been late on my payments for that particular account. The report stated 60 days late payments for the following months  XXXX ,  XXXX ,  XXXX  and 30 days late payments for  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . I have never been late on my payments so I contacted the credit union to have them correct my report. I received a letter from them stating that their reporting was accurate and the was nothing they could do therefore I contacted the credit reporting agency with proof of my timely payments. The credit agency contacted the credit union and now they changed the late payments for 30 days to  XXXX ,  XXXX  and 60 days late for  XXXX  and  XXXX . This was the report I received from the Credit Bureau Transunion.   I am not satisfied with this findings so I am contacting your office to help me resolve this issue and have  XXXX   XXXX   XXXX  take off all the late payments because I was never late.
Consumer complaint received 2023-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

I have attempted to contact MOHELA by email, phone, through my account and have not received any response. I was on hold with customer service for over an hour and then they disconnected the call. Other calls only gave automated voice response, and after answering all prompts, I was told no one could help me. They have not updated my payments to reflect my PSLF payments. I recieved 2 letters from Dept of Ed in XXXX of 2022 that stated all of my loans met PSLF payments - still no updated info from MOHELA. With the pause on payments, but still those months still counting toward PSLF, I have MORE THAN 120 payments- why is MOHELA holding up my forgiveness?
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (AZ)

I applied for an amazon  Visa by Chase o n the  Amazon Website.  On t he Amazon Website th e interest rate stated was 14.99 to 22.99 % depending on credit worthiness. I have a  XXXX   Credit Score.  I was approved for a card with the highest possible interest on the card. I called Chase to ask about the interest rate and they told me that was the lowest possible rate for this  Amazon Visa ca rd. I asked about why the  Amazon Site says 14.99 to 22.99 r ate, and was told that 22.99 % was the rate for this card. Had I known the only rate was 22.99 %, I would never have applied for this card. The offer on the Amazon website for this card is misleading if they will only issue a card at 22.99 % instead of a range between 14.99 and 22.99 %. You do not know what rate you will be given until you have completed the application and submitted. This seems misleading to the consumer. Thank you.
Consumer complaint received 2017-05-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Radius Global Solutions LLC (FL)

Wednesday,  XXXX   XXXX  at  XXXX  ( cst ) Central Credit Services  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , Florida  XXXX  Phone  XXXX   XXXX  Repeatedly contacted my employer in attempt to contact me with total disregard to the FDCCPA!   The fact that this debt is not valid is irrelevant.
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

Hi my name is XXXX XXXX my paypal account was limited back in XXXX with funds still inside, however I received a confirmation email at the end of the year stating " my funds are now eligible for withdrawal '' on XX/XX/XXXX. I have successfully added my bank as of today XX/XX/XXXX however when I try to withdraw the funds as instructed I get the following error message stating " Things don't appear to be working right now Sorry, somethings not right. '' I am being declined and I now need further assistance with the final step in retrieving my funds.