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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b 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 2023-09-09
Product: Credit 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. (LA)

I have had XXXX XXXX Chase credit card for almost or over 2 years now. 

Order # XXXX Order # XXXX I noticed the option to have a 12 month payment schedule, instead of regular charge, at check out. Companies like XXXX, XXXX and even XXXX XXXX  as you go have similar offers and i have succesfully used these methods to lessen payment burden at times of purchase. 
I was surprised to learn that I was charged full amount of the transactions I made in XXXX and checked the *12 Month Equal Pay* selection. It even gives a dollar amount of these monthly payments. It would seem straight forward but I was wrong. Please note, I orginally used this option for Whole Food groceries, in the XXXX XXXX  but this process did not go through. Food is expensive and the fact that I thought that this option was available because it would have been helpful is sad. To learn that not just the groceries but XXXX others transactions hit my Chase card to be billed, os really discomforting. I support my mom. 

Why offer anything with such advertising wording if the consumer will be billed all the same. I dont need the credit usage to reflect on my credit report either. I have great credit and payment reputation. I am in process looking to invest in real estate and dont need finacial errors in the present. I made the purchases i chose with idea that i would me charged a monthly increment as it reflects in XXXX XXXX credit card payment option at check out. I have worked in law office since i was a teen, this matter is absolute deception. 
Also, i did not chose my Chase card with XXXX of the charges on my latest statement yet, it defaulted to Chase. That is also deceptive. I made sure to chose my bank. This is why i am removing Chase from my XXXX account.
Consumer complaint received 2023-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA ()

I can not get information about my loans because almost every time I try to access the website I get the message : " This site cant be reached. XXXX refused to connect. '' On the few occasions I could access the site, it only worked for a few minutes before I got the error message again. 

The phone lines are also overloaded, so with less than a month before my loan payments start again I : 1. Don't know my payment amount 2. Don't know my payment due date 3. Can not update my auto debit information 4. Can not complete my XXXX  application because my servicer is not accepting electronic signatures ( which I found out through studentaid.gov, NOT my servicer ) This is completely unacceptable. Today I was briefly able to access the site, but while I was trying to update my autopay, the site suddenly gave the message above and I continue to get that error every time I have tried for the past 12 hours.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have tried to get these accounts remove from Transunion report, they are reporting collection accounts from XXXX XXXX XXXX for {$6100.00} and Portfolio Recovery XX/XX/2018 for {$3000.00} These accounts are FRAUD!!!!! and are not mine. Transunion is govern by 15 USC 1681, they have violated my rights numerous times and I demand that these accounts be removed from my file. They continue to violate the truth in Lending act as well as the fair debt collection practices act.
Consumer complaint received 2023-09-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PLANET HOME LENDING, LLC (PA)

I am the widow of a XXXX vet and have been tax exempt for at least 15 years. At closing, my mortgage company, Planet Home Lending, charged me XXXX XXXXXXXX for taxes as part of my payoff. The tax collector sent the check back to the mortgage company and now the mortgage company is sitting on my refund. Please help.
Consumer complaint received 2023-09-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I repeatedly get calls from this company, which uses several numbers, and I have repeatedly informed them that nobody by the name they are looking for is associated with my number. They still keep calling. Last call was at XXXX this morning.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Based on the Privacy Act of 1974, my personal information stored in records to supply openly has been compromised. 

Transunion is reporting bankruptcies on my credit report and I did not provide consent on any level or medium for them to report my personal and private information. 
I filed a dispute online and it came back within XXXX hours as verified. This information was Transunion is in violation of 15 U.S. Code 1681 - Permissible purposes of consumer reports I have submitted a formal complaint to the U.S. Department of Justice to further investigate XXXX regarding this matter. Next step is to sue! 

I am asking, how is this verified and which neighbor, associate or family member was contacted within XXXX hours to confirm this information as verified? 
I need to attach this information to my file with the Department of Justice as soon as possible.
Consumer complaint received 2023-09-09
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: LEXISNEXIS (OK)

I have record from the court appearing on my credit report. I've Disputed the item with the Credit Bureaus XXXX XXXX XXXX XXXX in which confirmed the record was VERIFIED by you Lexisnexis XXXX all I'm asking you to please provide the procedure in which you verify records with credit Bureaus as far as my bankruptcy case XXXX XXXX XXXX XXXX XXXX my name, address, and account with case XXXX XXXX will be listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Self Financial Inc. (GA)

I have SELF LLC. Secure credit card which is reported negativity on my credit report as past due. I only am able to assess funds that I deposit a making it a secured credit card .no Credit was giving to me this is a credit builder account which states one can canceal at anytime
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit file has been mixed with my sister for almost 3 years, despite disputes. I have some of her student loans, credit cards, and auto loans on my account with Transunion and XXXX XXXX. In addition, her name and previous addresses come up using my social security number as well which prevents other 3rd party companies from verifying my address, identity, income, etc. 

Most recently, on XX/XX/XXXX I was unable to get a new car insurance policy due to the fact that my rate had gone up by {$670.00} because of a report from XXXX and XXXX that provided the insurance company with my sisters driving history instead of mine.
Consumer complaint received 2023-08-12
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$320.00},
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-09-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (UT)

So CBE Group from Iowa, has been repeatedly trying to contact me for months maybe even a year, to the point where they kept changing their number to call me. I advised them to stop all contact since I am in my rights to do so. They didn't stop, so I changed my phone number and that got things to calm down. But recently they began sending postage mail regarding my debt. I told them not to contact me and here they are still contacting me. This is in violation of my rights.
Consumer complaint received 2023-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NC)

I reached out to Nelnet the beginning of XX/XX/2023 for proof of agreement to pay the loans for student loans but they have yet provided me with this information. I also applied for a borrower defense application that still shows on my student aid.gov account as pending but this was done years ago and still no response on the matter. The school I attended XXXX XXXX university has been sued twice and I also attended XXXX university as well which randomly switched over to XXXX University which I feel is not fair as well to say I owe money to a school with a completely different name, leadership team, etc.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

Credit score dropped more than XXXX points, but my debt actually DECREASED by more than {$500000.00} when student loans were forgiven. This has happened before where my credit score is never accurately reported, nor is there a set formula to explain the drastic dips in credit that takes MONTHS to improve. In the meantime, I'm being offered more services from credit reporting agency. My credit score on all three bureaus should be over XXXX by now. This is predatory and unethical.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

Credit score dropped more than XXXX points, but my debt actually DECREASED by more than {$500000.00} when student loans were forgiven. This has happened before where my credit score is never accurately reported, nor is there a set formula to explain the drastic dips in credit that takes MONTHS to improve. In the meantime, I'm being offered more services from credit reporting agency. My credit score on all three bureaus should be over XXXX by now. This is predatory and unethical.
Consumer complaint received 2023-09-09
Product: Credit 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: TD BANK US HOLDING COMPANY (NY)

My TD credit card had 3 unauthorized transactions from XXXX ( Total amount around {$130.00} ). Those transactions were posted to my account on XXXX I reported to the card company but the company declined my claim. The company said it could not determine those transactions were fraudulent. 

My card number is XXXX. Please see attachment for the detail of those 3 unauthorized transactions with XXXX
Consumer complaint received 2023-05-08
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)

I paid a loan back in XX/XX/XXXX never been late Also I have proof where it says that my account was paid in full and also receipts never late XX/XX/XXXX guarante loan report my account with late payment Which already my account was close my credit score drops XXXX points My loan amount XXXX $ Was open XX/XX/XXXX  My 3 credit bureau need to be update soon is posible Im in process to get a house
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$170000.00} XXXX XXXX XXXXXXXX Balance : {$490.00}
Consumer complaint received 2023-07-15
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. (CA)

This is my 6th 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : List Name of the accounts with late payments along with their account numbers. XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Your companys is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2023-09-09
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. (MI)

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : List Name of the accounts with late payments along with their account numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Your companys is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-09-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (PA)

To whom it may concern ; I have recently reviewed my credit report and had noticed huge discrepancies. I have noticed your agency, ERC, as a collector of debts, attempting to collect a debt I am not aware of. Back in XXXX I have reached out via email to recover proof of the original purchase agreement with signatures from all parties from ERC but never received a letter of debt validation from your agency. I believe you are legally bound to do so before collecting on said debt. I, as a consumer, has the right to validate and or dispute the alleged debt. If youd be so kind to provide me with a few things as proof of validation of the alleged debt owed and any late payments accrued I would greatly appreciate it. 
A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 
In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership, Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain. 
Also include a full accounting history from the original creditor including the date and leading amount of each payment and the Date of First Delinquency to the collection status. 
lf any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 
Proof you are legally allowed to collect on alleged debt in the state of Pennsylvania, including collect on alleged Third-Party Debt Collection Bonds. 
Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including any copies of the original notice and any letter tracking your firm maintains. FTC vs XXXX XXXX XXXX make clear that it " debt parking without proper notices is a violation of consumers rights.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Credit score dropped more than XXXX points, but my debt actually DECREASED by more than {$500000.00} when student loans were forgiven. This has happened before where my credit score is never accurately reported, nor is there a set formula to explain the drastic dips in credit that takes MONTHS to improve. In the meantime, I'm being offered more services from credit reporting agency. My credit score on all three bureaus should be over XXXX by now. This is predatory and unethical.