davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NE)

On XX/XX/2018 fed lon serv is reporting my payment is late it was on forbearance. I talked to a manger of the company they insured me I do not owe right now. because it is on forbearance but will owe later when it comes of forbearance but it was still marked late. this is XXXX  me now because I am trying to get a mortgage
Consumer complaint received 2023-07-28
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: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2019-06-20
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. (NV)

I am so confused how credit bureaus obtained my information..I have never received any kind of correspondence from XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... I have no financial obligation to this company and because I did not sign for this account, please remove it from my credit report
Consumer complaint received 2017-12-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (AR)

Received an alert on credit file for XXXX, XXXX, and XXXX XXXX saying new collection added to file. It stated XXXX of which I have yet to have spoken to a person regarding a debt, I have never received on written documentation in order to properly research and accept this debt all verifiable.it was just added as if I do n't acknowledge, and do n't care which is never the case. I 'm a single mother bettering myself and this is a passive illegal tactic most debt collectors like to do to your credit file, to make the person seem they do not care. This is not fact when no contact an legal notice of debt has never been received from this company for this said debt, by law giving me the customer a right to dispute, or accept this debt as is.
Consumer complaint received 2016-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX I went to XXXX XXXX XXXX to purchase a car. I signed the release form to access my credit. At the dealership I received a call for an interview about my financial situation, then another interview about the fraud alert on my credit report. My credit report was to be cleaned up due to the previous complaints of inconsistent information on my credit report. I could not complete the interview because I could not remember a telephone number on the credit report. I recently circled that number on the report and told them it was not a valid number for me. Obviously, the number was not removed and caused me a problem, I had to drive back to XXXX and call the interviewer from my house phone. Completed the interview, called the dealership told The salesman I completed the interview, he said '' I will tell my boss and I will call you ''. I have n't heard back from them. It 's very clear Experian is using discriminatory practices when it comes to my name and insist on keeping me at the lowest rung of the economic ladder. I want it stopped and I want to be compensated for the continued discriminatory practices being used a against me. Any consideration given this email would be greatly appreciated.
Consumer complaint received 2023-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

Hi! 
I am following up on claim # XXXX which was closed and Cash App did not provide a response to the claim. 
Please see below for claim details : I am reaching out to complain about Cash App 's lack of action in addressing a scam that has happened. I opened up a claim for five fraudulent transactions ( Amounting to $ XXXX ) on XX/XX/2023 as I did not receive the final product from a merchant, who turns out to have been impersonating a XXXX XXXX Teacher for the past year. XXXX XXXX XXXX is investigating the case ( Rept # XXXX ). The first fraudulent transaction was executed through money added from my debit card account directly to Cash App and sent to the merchant, which was $ XXXX subsequent four transactions amounting to {$1000.00} were still pending transactions at the time I called Cash App, XXXX, and contacted law enforcement. Per phone recordings, it is evident that Cash App Customer 's Service refused to stop the payments or issue a chargeback fraud to help me, the victim, retrieve my money. The transactions were still pending since the money was NOT added to Cash App, thus the transactions were not processed yet. Cash App had sufficient time and information to be compliant and execute a chargeback to interject these fraudulent transactions from being processed but it seems as if they had not. I reached out to the fraudulent merchant to try and get a refund but was not successful. Throughout this deceptive situation, Cash App failed to responsibly protect me as a consumer from financial loss upon being informed about the situation. Both legal and financial institutions were informed about the fraud and the transactions amounting to {$1500.00} but Cash App and XXXX but both institutions failed to prevent the money from reaching the fraudulent merchants given the timeline and information received. I would like your team to further investigate this case and issue a chargeback fraud. Thank you!
Consumer complaint received 2017-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was denied from a lender due to " too many inquiries '' from Transunion. I was alerted by that, therefore i proceeded to check my credit reports from all the bureaus for accuracy purposes. I then noticed that there are several inquiries on my report that I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I contacted Transunion and was given no relief and provided no help to my issue. I placed a fraud alert to prevent this issue in the future, and it still continues to happen. Please, see the inquiries that were not authorized by me and when the report was improperly requested and received. I contacted the companies, they were unable to provide me with any information and none of them received any identification and authorization from ME to request my credit reports for any reason.      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 2024-03-12
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: EQUIFAX, INC. (MI)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}
Consumer complaint received 2019-06-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

every year, i call and get the ecrow analysis revised because of errors such as added default reserve to escrow etc. I am monitoring, tracking and reporting since 2014. 
since last year PENNYMAC LOAN SERVICES, LLC moved the escrow analysis date and forced me to pay additional amount in their every year increase in the month of XXXX and onwards. 
i have to be pro-active to make sure 1. i request escrow analysis 2. PENNYMAC LOAN SERVICES, LLC do not send hard copy of escrow analysis even after i repeatedly requested this year. 
3. i have to find errors and request every year to revise the escrow analysis.
Consumer complaint received 2019-10-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (TN)

On XX/XX/19 at XXXX XXXX i received a phone call from Comenity Bank. On several occasions I have told them they can not call me while I am at work to call after XXXX XXXX. This day the agent who identified as Ms. XXXX took the note and preceded to have a conversation with me saying that I needed to handle the situation although I told her I could not talk. She then proceeded to harrass me about my bill and ask when I'm going to pay it. This is not the first agent that has done this. It happens repeatedly and my request to call me after a certain goes unnoticed and are ignored. I asked for a supervisor and when that was done i was hung up on. I called back to speak to a supervisor and again my call was disconnected.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXXXXXX incorrectly updated my account balance information to the credit bureaus which is drastically hurting my credit report and putting me in a state of financial distress. Every month for over a year XXXX XXXX XXXXXXXX updates my account balance on my credit report on the XXXX. I monitor my credit report frequently on Experian almost every day. I paid down my balance with a payment of {$11000.00} on the XXXX of XXXX this month which brought my balance down to {$380.00}. XXXX   XXXX XXXX for some reason decided to update to the bureaus earlier on the XXXX of XXXX without any prior notification and brought my credit utilization up to 102 %. Even still my new balance of {$380.00} should have been reported since I made the payment of {$11000.00} on the XXXX of XXXX, when my due date was the XXXX. The XXXX was a saturday so it didnt post until monday the XXXX. Still in time before the ending statement date of XX/XX/XXXX. When i login to my XXXX XXXX XXXX account it shows i made the payment on the XXXX and then it shows it posted on the XXXX, but it still shows all my XXXX activity because the billing period still hasn't ended. And yet they reported early.I called XXXX  XXXX XXXX to dispute the mishap on their end. I initially spoke to a rep about the situation and had to be transferred numerous times after asking to speak to a manager or  supervisor. I eventually got on the phone with a lady named XXXX who explained nothing can be done even though it was their error. I asked to talk to her manager which she then transferred me to a person named XXXX XXXX. Again, XXXX explained to me they would not be able to update the information with the bureaus until after 30 days. He explained there was nothing he could do but put in a dispute which takes over 30 days and have his superior contact me to discuss my options. They did send me an updated balance letter, which its attached. A woman by the name of XXXX XXXX was supposed to contact me and assist me in fixing the error that was their fault has yet to do so. I have been a good customer with them for almost 2 years. I always pay my bills on time. For them to make a mistake like this and offer me no solution to fixing it in a timely fashion after speaking to half a dozen reps I feel worthless and cast aside. I've done nothing but good business with them since I opened the account. All they have to do is update the proper account balance to the credit bureaus the same way they've been doing every month since I opened the account. I find this to be unacceptable that they're telling me they can't do what they've always done. I use the card frequently spending a substantial amount of money with them. I know what i'm asking for can be done and again was their error. Please help.
Consumer complaint received 2022-09-27
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. (CO)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX  : XXXX, XXXX Personal loans XXXX The law of privacy 15 U.S.C 1681 602-4 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 604 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.

15 U.S.C 1681 623 subsection ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1681c. ( a ) ( 5 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (WA)

I received a call from someone claiming to be a lawyer from the XXXX XXXX XXXX XXXX When I called back a man named XXXX XXXX, claimed I owed him {$22000.00} on a chase credit card debt from 2004 He said he was coming to my house to collect the money and if I wasnt there he would be tracking me with his cell phone He demanded that I pay him in full at the moment without providing me any information I had an old debt with Chase from 2004 which was resolved maybe 15 years ago though the debt was sold off to a company called a Unifund. This person XXXX XXXX claim to be a paralegal and working for a law firm that simply does not exist He threatened me he called me a liar he told me I was unworthy that I would be punished that he would track me by my cell phone at work or at home and regardless of who was there he would demand that I pay him the money This was an incredibly disturbing interaction and this man should be stopped
Consumer complaint received 2023-10-16
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or 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 2022-05-26
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: American Credit Acceptance, LLC (FL)

in accordance with the fair credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for and purpose.
Consumer complaint received 2017-07-09
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. (IN)

On X/X/2017 I mailed a dispute letter to TransUnion regarding a Tax Lien showing on my credit report. TransUnion signed for this letter on X/XX/2017 as proven with USPS tracking ID : XXXX. <P/>On X/XX/2017, I received a notification that the tax lien was " verified '' Absolutely no documentation or proof was sent with this " verification '' notice that the debt is mine or is being reported accurately. <P/>On X/XX/17, I sent yet another letter to TransUnion, requesting their method of verification, the name and telephone number of who they verified the information with and specific instructions to provide me with the documents that support their reporting. TransUnion signed for this letter of X/XX/2017 as verified with USPS tracking ID : XXXX. <P/>Today, X/X/2017, I received yet another notification that this tax lien has been " verified ''. Again NO DOCUMENTATION WAS ATTACHED TO SUPPORT THE REPORTING OF THIS PUBLIC RECORD. <P/>The Resolution Summary states the source of the public record is a courthouse, however, upon contacting the courthouse listed on my credit report prior to filing the dispute, they stated the court does NOT report to the credit bureaus and therefore, could not help me with the issue. To further complicate matters, TransUnion then sent a separate letter on X/XX/2017 stating they use a third party to verify their information but did not list who that third party is. As a consumer, I have the right to know, who is reporting negative information against me and where that information came from. <P/>As I read through the new credit report provided to me today ( X/X/17 ), the tax lien listed states that the information was updated on X/XX/2017 ( which is the day they signed for the second letter ) which indicates to me, no further validation was done on this item in question after my second letter was received.
Consumer complaint received 2019-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

On XX/XX/2018, this debt for { {$970.00} } account # XXXX appeared on my credit report from XXXX XXXX. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. I have disputed this collection five times with no resolution. I have also contacted the company and they don't have me listed for this account number. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.On XX/XX/2018, this debt for { {$970.00} } account # XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2017-12-29
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: First Investors Servicing Corporation, Atlanta, GA Branch (DE)

Company XXXX XXXX keeps running my credit every 3months, I dont know this company and never applied with them. A lot of hard inquires on file, I have no knowledge of. A lot of fraudulent inquires.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.