davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (NY)

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 / Account number ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-30
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. (NY)

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 / Account number ; ( 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 2017-07-18
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. (GA)

I have submitted several written disputes with the credit agency notifying them of  XXXX   XXXX   XXXX  attempts to report fraudulent information.  XXXX   XXXX   XXXX  is stating that I owe  XXXX   XXXX  Bank {$670.00}. This information is false. I have never had a account with  XXXX   XXXX   XXXX   XXXX  . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureau and  XXXX   XXXX   XXXX  requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from  XXXX   XXXX    XXXX   authorizing  XXXX   XXXX   XXXX   to colle  ct  the debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following sectio n 16 o f the FCRA -Documented proof showing  payments  were made by me on this line of credit -Documented proof showing the dates within the credit file are correct  XXXX   XXXX   XXXX  has falsified their  reporting and the c redit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.
Consumer complaint received 2023-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (IL)

I continue to question the companies Verification of the Debt and the company will not supply the accounting or validation of debt. I ask the company to stop reporting the debt to the credit bureaus since XX/XX/2022, the debt is still reporting every month and affecting my ability to obtain credit.
Consumer complaint received 2018-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I called SLS on XX/XX/XXXX to close my escrow account since my original mortgage contract does not require me to have one and I would like more of my payment to be applied to my principal. I was told to send the request by email, and I emailed the same day. On XX/XX/XXXX emailed again because I hadn't received a response. I also called and spoke to customer service and was told they would respond by XX/XX/XXXX. It's now XX/XX/XXXX and I haven't heard from SLS. I just went into my account online and the escrow payment is still there.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MI)

XXXX has been reporting fraudulent information on me for years. Normally, I would dispute the inaccurate information and request for an investigation. However, they have went even further by reporting false criminal information on me. This false and unauthorized reportings have caused me to lose multiple jobs. I have disputed the criminal information repeatedly. I have made police reports after police reports. Yet, the still report the information as though its been verified. The domestic XXXX XXXX totaling XXXX different occasions.
Consumer complaint received 2020-04-28
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: EQUIFAX, INC. (FL)

Sent disputes out to Equifax and they have taken longer than 30 days to respond to my dispute. I am attaching the receipts of certified letter which shows they received my dispute on XX/XX/XXXX and they did not start investigation until XX/XX/XXXX. They are in direct violation of the timeline to complete a dispute in the 30 days.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXE Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2017-07-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

I had to break my lease as I lost my job and was no longer able to afford it. My final bill from the complex was   XXXX   and change.
I get a phone call from hunter warfield stating that I owe over 8k dollars and interest is accruing daily.. I explained that I am more than willing to settle this debt AFTER they remove all the fees, interest and remove from my credit report they said yes, the payments were set up, the account was removed from collections..the following month, the account was back on my report with higher amount owed. They called and I refused to work with them. Now what?
It has been disputed and I have one this battle already.. why is it back on my credit report?
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NJ)

XXXX  by   XXXX   XXXX   provides a shopping venue for hundreds of vendors including  XXXX ,   XXXX   XXXX  ,  XXXX ,  XXXX , etc. When you make purchase through the website, the vendor provides a cash-back to  XXXX  college savings account. In addition, there is a 1 % cash back from the Barclay credit card and a 4 % cash back from  XXXX  into the college savings account when you pay for your purchase with a Barclay Upromise credit card.
  XXXX   XXXX   XXXX    provides a 2 % cash back on rentals purchased through the   XXXX   website. This past  XXXX , I arranged for three separate car rentals from  XXXX  at three separate times through the  XXXX  website link for a total coast of {$1300.00}. I completed the three rental purchases and paid with a Barclay  XXXX  credit card.
The first reservation was made on  XXXX   XXXX , 2017 for a rental beginning   XXXX    XXXX , 2017 for {$970.00}. The second reservation was made on the same day for a rental beginning   XXXX    XXXX  for {$290.00}. The third reservation was made on  XXXX   XXXX , 2017 for that day for a cost of {$73.00}. All of the reservations were made through the  XXXX  link.
I did not received my 2 % cash back from  XXXX  and submitted an inquiry through  XXXX .  XXXX  responded that  XXXX  stated that I " clicked on a banner ad which rerouted and completed the transaction on the merchant website instead of the  XXXX  site. '' When I asked fro specific details about this banner, I was told " your last click was not through   XXXX   ''. No explanation was provided about the specifics of this ad banner, the mystery click, and how I was transferred to the   XXXX   website from the   XXXX    website. I am attaching the emails related to my inquires and the  XXXX  responses.
As a result of this claim that I transferred out of the  XXXX  site,   XXXX   will not pay the 2 % cash back and  XXXX  will not pay the 4 % cash back. Barclay has paid the 1 % cash back.
Consumer complaint received 2024-03-27
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. (MO)

The presence of this account has caused me XXXX XXXX, even affecting XXXX XXXX XXXX XXXX. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-03-27
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)

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. 

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 2017-07-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (FL)

This Company, which I have no contract with nor have I received service from, reported a collection account against my SSN in the amount of  XXXX  with  XXXX ,  XXXX , and  XXXX  credit reporting agencies. I requested verification and they false recorded me in terms of agreeing with this debt and or me making payments for their satisfactory to keep attaching this debt to me. I requested to obtain written agreement verifying I personally agreed upon this debt and account however Aargon Collection Agency failed to provide adequate to No information at all regarding proof of being my consensual account. Considering they do not have a contract with me for the goods or services they have provided or have they provide adequate proof. I AM NOT OBLIGATED TO PAY FOR THIS ALLEGED DEBT.
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2017-07-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

We attempted to buy a mortgage with Chase in XX/XX/XXXX with a {$10000.00} down payment. We were ready to close but when we went to meet with the officer to sign the papers, the loan officer was not there. There were lots of whispers and waiting when we finally learned the truth. The loan officer disappeared with all our paperwork, turns out, he was seriously ill and the paperwork was on his home computer and could not be retrieved. No one bothered to tell us. We had to start the process all over and almost lost the house. The new loan officer who was assigned, sold us an FHA. She said we could refinance soon because we were paying a larger down payment and get rid of the private mortgage insurance. We decided to refinance in XX/XX/XXXX because the value of our home increased and we wanted to get rid of the pmi and get a lower interest rate. The same loan officer who closed the loan was working on this. Chase only offered a 1/2 % of our current rate, but she said we 'd save money because we could get rid of the PMI. She said if the refi was denied, we 'd get our {$500.00} application fee back. Then, THAT LOAN OFFICER HAD SERIOUS XXXX IN THE MNIDDLE OF THE REFINANCE, and again, no one bothered to tell us. Several different people took over but even though we 've never been late with our mortgage and our credit score was XXXX. Chase denied the loan and kept our {$500.00}. The denial came XX/XX/XXXX after we had everything in order, ready to close. Now Chase is express mailing, sending and phone soliciting all kinds of offers to refinance. We could have sued them for mishandling our initial loan but we decided to give them another chance. Then they do this. We want our {$500.00} back. I tried, but no one is listening.
Consumer complaint received 2024-03-27
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. (SC)

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX  XXXX Balance Owed : {$96.00} XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$840.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-27
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. (TX)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am writing to file a complaint regarding a recent dispute decision. I disagree While the decision stated that the dispute was resolved, I am concerned about the lack of transparency regarding the investigation. I am requesting a detailed description of method of verification. I'm seeking clarification on the steps taken, the sources consulted, and the criteria used to validate the accuracy of the information in question. Your prompt attention to this matter would be greatly appreciated.
Consumer complaint received 2022-11-22
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. (MD)

I have several accounts thar are reporting incorrectly. 

These following accounts are being reported as opened on a charge-off. My score dropped over XXXX00 points because Experian is reporting a charge-off as open and not closed. Also, the last active dates are current dates and that is not correct. 

XXXX XXXX XXXX XXXX This account is not even mine. I have been trying to get proof of signature and proof that this is my account on XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL reporting open
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (VA)

PNC Bank has not fulfilled its obligations pursuant to its advertised promotion. I opened this XXXX  XXXX  account in XX/XX/2022 and fulfilled all requirements ( recurring direct deposits, etc. ) for the advertised {$400.00} bonus. However, PNC has not honored its promise by posting the bonus to my account.
Consumer complaint received 2022-11-30
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. (MI)

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items
Consumer complaint received 2017-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have reached out to have these unauthorized inquiries removed ; however, this company will not respond or make adjustments.To the best of my knowledge I have not approved your organization, any person associated with your organization, to make such an inquiry on these dates. This violates the Fair Credit Reporting Act, Secti on 1681b ( c ) :  Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied.     I have attached the documentation I sent to the company. I have no open accounts with them. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (IL)

XXXX has stated that I and/or my wife XXXX XXXX owes {$1400.00} from past due tuition for our child attending daycare. This amount is wrong as there was a huge computer issue that overcharged our account by XXXX and this amount that National Recovery saying we owe is the remaining balance that was never issued by XXXX back to us! 

The statement records will show the large overpayment and the issues in returning our funds. This was a huge mess and we have tried to resolve this with XXXX however no one was able to help and we refuse to double pay! 

This debt should be removed from my wife name ( XXXX XXXX ) and should be a XXXX balance based on the fact this was already paid.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.