davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent XXXX, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (FL)

I open a Jetblue credit card in XX/XX/2022. I have tried numerous times to log into my account and was unable. I have called customer numerous time spending many hours trying to rectify this problem with no results.Now when I call I get put on hold and know XXXX picks up. I would just cancel the card but I have a lot of points on it. They gave me and incident number XXXX If that is any help.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2019-12-27
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. (NY)

Today upon checking my credit report on XXXX  XXXX  my score decreased significantly because equifax reported that my XXXX  MasterCard increased by {$4000.00} this is completely incorrect my balance did not increase by that amount.
Consumer complaint received 2019-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

The view in which borrowers view their account information at the payment screen is entirely misleading and deceptive. The screen, on a mobile device, reads as if the payment amount IS the payoff quote. Aside from being confusing, once you realize that it is not giving you a payoff quote and that it is a link, I have concerns that the mobile view is not ADA complaint. As a borrower with a XXXX  XXXX, I am at another disadvantage from this one oversight.
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Is your policy to keep reporting bankruptcies which are filed or adjudicated for 7 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

Sold a car that was paid by wire transfer... us bank wont release the funds although they are shown as available. The reason they claim is to protect me from fraud when there was no fraud. I have bills due and cant access my money. The funds have been posted for over a week! The branch manager cant tell me when I can have access to my money. This was a wire transfer from a verified buyer NOT a credit card ACH that can easily be reversed. The bank has no reason to do this. I do not need them to protect me from my mnoney! The funds have posted I should either be able to get my money or told when I can get the funds. They cant seem to tell me that and it is creating a hardship for me. Once they figure out there is no issue other than the one THEY created for me... I will be closing my US bank account! Additionally the buyer of the car has a car carrier comong to pick it up ... if the funds are locked ... I cant release the car. I get sued and in turn I have to sue US Bank. Additionally when I asked the branch manager for the district managers contact info she would not give it to me.
Consumer complaint received 2023-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Love, Beal & Nixon, P.C. (OK)

XXXX XXXX bought from XXXX years ago I guess is trying to get money an just sued an put a judgement on me in which Ive never opened an account in XXXX of XXXX for XXXX an Ive told them.this company states that they sent letters to me but I never got anything in the mail from this company I didnt no anything about this account being opened until the end of XX/XX/XXXX when a guy showed up an gave me a paper. Ive tried numerous times to talk to these people but I get nowhere plus when they did finally send me the charges from a lawyer which was Saturday XX/XX/XXXX I dont recognize anything on those papers but yet its showing small amounts here an there on a few occasions that payments came from my checking account using my credit card in which that credit card was hacked into this is someone elses doing I even tried to login to XXXX Ive XXXX XXXX XXXX they told me I have never had an account with them an I never had I really dont no what to do an now theres charges an a lot of interest that has been added along with wreaking my credit. I was told if I dont have proof from these sorry lawyers then I cant prove anything an Ill have to pay everything an then some thing is is I dont have any proof to help at all.
Consumer complaint received 2023-05-06
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. (UT)

This account XXXX XXXX XXXX is in violation of my fed consumer rights 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliate third party any non public personal information, unless such a financial institution provides or has provided to the consumer a notice the complies with section 6803 of this title.

Opt out ( 1 ) In general A financial institution may not disclose non public personal information to a non affiliated third party. Unless ( A ) Such a financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title. that such information may be disclosed to such third party. 
( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. 
Limits on reuse of information Except as otherwise provided in this subchapter, a non affiliated third party that receives from a financial institution non public personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is non affiliated third party of both the financial institutions and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Is your policy to keep reporting bankruptcies which are filed or adjudicated for 7 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.
Consumer complaint received 2023-01-15
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: EQUIFAX, INC. (CA)

Equifax is in the regular business of assuming the role of a credit reporting agency and in the regular business of collecting the personal information of consumers. Equifax is bound by the Fair Credit Reporting Act, the Privacy Act of 1974 and state laws requiring the safekeeping of the personal information of consumers. However, in XX/XX/XXXX, Equifax became aware of a data breach where over XXXX XXXX consumers ' information was stolen by unknown perpetrators, of which I was affected. Equifax did not adequately inform me that my information was stolen. It wasn't until XXXX that I learned of an extended claims period. Between XXXX to present, Equifax has failed to report accurate information on my credit report. I have been denied credit no less than 20 times due to Equifax misreporting my personal credit information. I have had fraudulent accounts reporting on my credit report. I have also suffered the same through Equifax affiliate credit agencies by being denied apartment leases, employment, have a higher mortgage interest rate, higher car loan interest rates, and denied other open ended consumer credit accounts. I still have inaccurate information reporting on my credit report that Equifax refuses to delete despite numerous complaints made by me to the CFPB. Equifax consistently and negligently continues to violate my federally protected rights and state rights as a California resident. Equifax should not be allowed to do business in the US. I have spent and lost hundreds of thousands of dollars trying to repair my credit, protect my personal information and credit, and prevent my information from being stolen in the future. Equifax also admitted their fault in their own statement which reads " We at Equifax CLEARLY understood that the collection of American consumer information and data carries with it enormous responsibility to protect that data. We did not live up to that responsibility. ''
Consumer complaint received 2019-12-26
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: Experian Information Solutions Inc. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. I AM NOT LIABLE TO THOSE INQUIRIES AND WERE NOT AUTHORIZED BY ME. PLEASE HAVE THOSE REMOVE OFF MY CREDIT REPORT
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Date : XX/XX/2019 Time : XXXX I requested all three of my annual credit reports from XXXX at once, but was only allowed access to the XXXX  report. After viewing the XXXX  report I clicked the view next report button where I was taken to a screen with the logos of the credit reporters with a blue checkmark by XXXX  and XXXX  and a green checkmark by TransUnion, I clicked on the logos and was not taken to any other reports. When the XXXX  report was closed I was not led to any other reports and was denied resubmission to see the two other reports. I had the webpage continuously for less than 20 minutes and did not leave my computer unattended for the session to time out.
Consumer complaint received 2023-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

On XXXX/XXXX/2022 I posted on XXXX I was looking to purchase XXXX tickets to XXXX concert in XXXX Ohio. Someone told me they had them and to direct message them. I did. They said they were {$150.00} per ticket. I was purchasing XXXX. I transferred {$300.00} to XXXX XXXX account on Zelle. I was then told it would be an additional amount of money and I would need to send it quickly before I could get the tickets. I then asked for a refund and stated I no longer wanted to purchase tickets. They said they are not able to do that and stoped replying. They have my {$300.00} and I never received tickets.
Consumer complaint received 2019-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

I sent a check to PHH Mortgage in XX/XX/2019 in full payment of my XX/XX/XXXX mortgage payment, {$920.00}. PHH Mortgage processed the check in an incorrect amount of {$720.00} which was {$200.00} less than my check amount. I have spoken with them 5 times, received a copy of my paid check showing the correct amount of the check with no correction by PHH Mortgage. I was told most recently on XXXX.19 that the additional {$200.00} would be recorded and applied to my loan balance on XXXX.19. This still has not been corrected as of XXXX.19. 

After calling 4 times and giving approval for them to process the additional {$200.00}, I received another written notice that they needed my approval to correct their mistake. Legally, the signed check I issued is my approval for the {$920.00} payment. I also gave verbal permission by phone on XXXX.19.  When calling today, the customer service agent placed my call on hold and then hung up without addressing the error or calling me back.
Consumer complaint received 2024-04-06
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (FL)

XXXX XXXX asked me to move out after a neighbor insisted my dogs were bothering her. I had to move against my will due the unfortunate circumstances. After agreeing that I would NOT be responsible for any fees or charges related to lease termination, they sent the account to collections. Address is incorrect, my apartment was not XXXX XXXX. This discrepency relieves me from any responsibility connected to XXXX XXXX, since lease is not valid if address is INCORRECT
Consumer complaint received 2023-05-13
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. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (IL)

Chase Card Services refuses to refund or investigate fraudulent charges made by XXXX XXXX in the amount of {$2400.00}. XXXX XXXX charged my credit card {$2400.00} for work which was covered and paid by my insurance carrier. I never received a bill. I made an agreement to pay only if services were not covered. The XXXX  office has frequently charged both myself and the insurance company, and refuses to return my funds. I signed an authorization form on XX/XX/XXXX indicating I would be responsible for any services that were not covered by my insurance carrier. 

I have reached out to Chase card services on several occasions to dispute this item. The very fist time was approximately XX/XX/XXXX, I was told there was no wrong doing found, and the case was closed. I called back in approximately late XXXX, early XXXX, to reopen the case. I was told to visit a branch to have the supporting documentation faxed over because Chase was having issues with their online document portal. I did as requested, and went to the branch. The {$2400.00} charge has not been removed. I spoke to a representative on XX/XX/XXXX. I was informed too much time had passed, and there was nothing that could be done. 

I have been attempting to work with the merchant to resolve this issue. Whenever I call clinic, the receptionist tells me the manager must fix the issue. However, the manager is never available. She is either always out of the office, or she is in a meeting. There is never anyone else to speak to.
Consumer complaint received 2023-12-07
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. (NY)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2019-12-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (CO)

I terminated the contract by returning the puppy to a no kill shelter. The contract was to be reduced to half of the loan amount due to termination yet, the lender is attempting to collect the full amount and accrual of monthly rental fees for the puppy I no longer possess.
Consumer complaint received 2019-12-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Arete Financial Group (PA)

Arete Financial Freedom is being sued by the Federal Trade Commission. I was a client of theirs. They promised to lower my student loan payment after I pay an upfront amount of {$750.00} paid in first three months of contract and then a monthly payment of {$29.00} since XX/XX/XXXX. To today 's date, XX/XX/XXXX I have paid this company {$1500.00}, all of which I thought was going toward my grand total of student loans of when I signed with this company, {$9000.00}. After receiving an email of this company being sued by the FTC, I checked my loan statuses. The total amount of my loans is now {$9600.00} with the interest it has been accruing from the non payments. So, the company put XXXX money toward my loans and I am now penalized.
Consumer complaint received 2022-10-05
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. (TX)

This is my fourth 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 Balance : {$610.00}
Consumer complaint received 2023-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LPH, Inc. (MT)

Seven years ago, I worked with this company in court to determine an amount owed, and a payment plan. I have a receipt from seven years ago showing my account is paid in full. They continue to try and collect, seven years later and two attempts for no contact. Please help me to get them to stop contacting me over this debt. They have the receipt on file and they will not stop.
Consumer complaint received 2022-10-05
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 : U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, U.S DEPARTMENT OF EDUCATION # 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.