davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

I, XXXX : XXXX am speaking for myself in this claim. CRDT CTRL CO is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. This negative reporting on my credit report has cost me securing a new car. XXXX XXXX XXXX is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to XXXX XXXX XXXX for whatever the reason, I have included, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting or I will fully exercise my rights and seek remedy in full.
Consumer complaint received 2022-11-21
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-01
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. (NY)

When I investigated my credit report, I realized that the same accounts were erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX Balance : {$4400.00}, XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 accounts. 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 2023-06-01
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. (NC)

Transunion is displaying an account that says it closed And its open. The account in question is XXXX XXXXXXXX XXXX. I've sent letters in XXXX, XXXX and XXXX asking them to update this information. They were also sent An account status update from XXXX XXXX XXXX  in XXXX and it still have been updated
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX 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 accounts. 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 2023-10-22
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC (SC)

My loan for my car was with XXXX XXXX. All of a sudden it goes to XXXX XXXX without my knowledge and I tried to trade it in to get another car, however XXXX XXXX wont do it. Someone told me this is against the law. I need some answers because Im trying to trade the car in for another cheaper car with a lower interest rate. Please point me in the right direction
Consumer complaint received 2022-12-30
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. (OH)

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  : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. States I have 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 inaccu
Consumer complaint received 2017-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

XXXX / XXXX /  XXXX   {$680.00} I did not sign, nor did I authorize this charge, I have disputed this charge, and submitted complaints, however,  chase  has simply ignored the facts that this charge was not signed for by me, nor authorized by me.
Consumer complaint received 2020-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX of 2020, the COVID-19 global pandemic began hitting the American economy hard. Wells Fargo decided to put it's customers on a " forbearance '' many did not ask for this. Wells Fargo did this as a public relations stunt, to make it seem as if it was helping it's customers. 

For me, I was told that they would pause my payment, and I could just make up for the payment at a later date. I was in a position to borrow money from a family member and continue my mortgage payments as normal, but Wells Fargo convinced me that they would simply pause my mortgage and that their " forbearance '' was a better option. 
In reality what they were doing was creating a new loan/debt in my name, so now i have a new loan to help pay for the loan I already have with them. I now own XXXX more than I did in XX/XX/2020. I have made 3 payments to my mortgage ( XXXX XXXX XXXX XXXX and I still owe more than I did in XXXX ... 
On top of this misleading new debt/loan, they are now telling me that I can not pay it off until I pay off my entire home mortgage. 

Wells Fargo, in an attempt to look humane, and decent in the face of an economic recession, while hard working Americans were losing their jobs and in some case losing family and friends to COVID, were manipulating their own customers into a new loan. While the economy crumbled, Wells Fargo ( the same company that created fake accounts in its customer 's names ) decided to trick people into larger debts by lying and manipulating us into believing they were just going to " pause '' our payments. 

During a crisis, the company found a new way to squeeze money out of its customers, rather than actually helping us out. In the name of doing a good thing, under the guise of helping their customers out, they created this scheme. Deceiving and manipulations might be fraudulent activity, but it is absolutely unethical and amoral behavior by a very wealthy and powerful company that continues to break the backs of average Americans.
Consumer complaint received 2024-03-25
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. (OH)

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.

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 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I contacted Experian Credit Bureau on XX/XX/XXXX at phone number XXXX to update my personal information on my credit file, after unsuccessfully attempting to dispute the erroneous information online on XX/XX/XXXX. I have also sent a letter, dated XX/XX/XXXX requesting my address be updated and previous and inaccurate addresses be removed. During my phone call with Experian on XX/XX/XXXX, the representative stated the computer would not allow her to remove the addresses because they were verified by other companies on my report. These companies have not provided me with any verifiable info confirming my address nor any other personal information. My latest report, as of XX/XX/XXXX still shows the inaccurate address.
Consumer complaint received 2020-02-12
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus. 
XXXX  XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$470.00} XXXX HARD INQUIRIES XXXX XXXX XXXX ( 3X ) XXXX XXXX XXXX   COLLECTIONS XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$520.00} XXXX  XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX-DISMISSED EXPERIAN HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX  XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX DISMISSED
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Highest Balance {$2500.00} Terms NA fair credit reporting act violation never late
Consumer complaint received 2017-05-09
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. (WA)

Experian continues to report fraudulent information on my credit report. Because of this, I was denied from renting an apartment due to the fraudulent information reported by Experian. This has created a hardship for me and my family. The other credit bureaus deleted the fraudulent information but Experian came back verified, how is this possible, when I sent each bureau the same information.     I sent to Experian a copy of my police report and Identity theft report on  XX/XX/2016    and also around  XX/XX/2016.
Consumer complaint received 2020-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (VA)

I moved to my new home in XX/XX/2018 and we had XXXX XXXX installed into our home. From day one, the equipment was not working because it was installed incorrectly since we have a smart home and the technician did not connect to the server properly. We called XXXX  and scheduled for a technician to come out 3 different times and they never showed up. After paying about 1.5 years for a service that we were never able to use from day one, and paying about XXXX dollars each and every month, we had them send a box to return the equipment. 

Recently I saw that a collection agency for XXXX XXXX reported on my credit report a collection for about XXXX dollars that was due which brought my credit down over 100 points, right at the time we are in the process of buying a home, and this killed us from being able to qualify for the loan now. 

I contacted XXXX last week and made a complaint and they said they would have someone from the back office look at this and try to fix the problem. I told them the equipment was returned and that I should not have to pay any extra charges for services that I never was able to enjoy. 

Well, today they told me that the equipment was credited and they would update it with the collection company but that XXXX is still outstanding for breaking a 2 year contract. I told them the equipment was never working and 3 times we had an appointment for someone to come out and they never showed up, so if anyone broke the contract, it was them, but yet I continued to pay for 1.5 years. 

This was reported to XXXX XXXX andXX/XX/XXXX. I filed a dispute with both and XXXX  took it off, but XX/XX/XXXX did not. 

I really need to have this off of my credit report as this company is charging for something they never installed properly, and now it is causing me not to get my dream home for their failure to property fix my issue. 

Please have this taken off of my XX/XX/XXXX credit report so that I can finally get my home. 

Thanks so much.
Consumer complaint received 2017-05-08
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. (VA)

I have fraudulent inquiries on my account. I disputed these through internet as well as phone calls and they are telling me it ca n't be deleted.       XXXX   XXXX   and Transunion : Credit Plus  XXXX  Transunion :   XXXX   XXXX    XXXX / XXXX /  XXXX     XXXX    :  XXXX   XXXX   XXXX
Consumer complaint received 2017-05-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capita l One Auto f inance pulled my credit  three  times in      XXXX   XXXX   2016.   I  did apply to refinance my truck loan in    XXXX    2016 but, I do not understand why my credit was pulled three times? Fo  r the same loan. I have disputed these with all   XXXX  cr edit agencies and with in 24 hours I am   being told these are factual.     I have been told by the credit agencies that if the inquiries are all within 14 days, it will not adversely affect my FICO score. The irony here is that  Capital one de clined me for a credit line increase on my credit card because I had too many inquiries.          XXXX  :  XX/XX/2016 ,  XX/XX/2016 ,  XX/XX/2016 ,  XX/XX/2016    XXXX   :  XX/XX/2016 ,  XX/XX/2016 ,  XX/XX/2016   XXXX  :  XX/XX/16 ,  XX/XX/16 ,  XX/XX/16
Consumer complaint received 2021-01-02
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. (NC)

I have reached out to Transunion on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Transunion has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Transunion refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal. 

I demand that Transunion cease reporting this false information. This is my fourth and final attempt to have this false information removed from my credit file. I attend to take legal action under the protection of Fair Reporting Credit ACT
Consumer complaint received 2021-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2020, I switched my automatic payments to pay {$800.00} dollars off my remaining statement balance instead of the the full balance of {$2300.00}. Every month, I typically have my automatic payment on to pay the full statement balance, but due to holiday expenses and my partner 's loss of her job, I wanted to pay increments to make sure we had enough on hand for emergencies before my next paycheck. I received a confirmation that my automatic payments had been modified, and so that month I only transferred enough to my savings account ( which I use to pay off my credit card ) to cover the {$800.00} with a bit extra left over. I then received notice from my bank a week or so later that Chase had tried to charge my savings account for {$2300.00}, the full statement balance. This was obviously a mistake, and I was able to have my bank reverse the penalty charge by confirming with them that this was a mistake Chase had made. I went to my Chase account and made sure {$800.00} was paid manually, but I received no communications from Chase until today, when they notified me via a letter in the mail that they have closed my account because of the returned payment. I've never before had this issue with Chase and it seems i'm being penalized for their mistake with automatic billing on their website/app. I tried to dispute this directly with Chase but two representatives told me that they couldn't reverse the decision nor make sure it would not effect my credit. I have no desire to open a new account with Chase, I would just like to make sure that my credit is not effected by their error.
Consumer complaint received 2022-12-30
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. (MD)

This is a follow-up request regarding my last complaint. I would like to inform you that the account has not been validated yet. So this time I am filing another complaint to this platform so that the 3 Credit bureaus will be notified and the issue will be addressed Here is the account mentioned above : XXXX XXXX XXXX BALANCE : {$230.00}
Consumer complaint received 2022-12-30
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. (IN)

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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX  card : # XXXX, XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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.