davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: REGIONS FINANCIAL CORPORATION (AR)

I financed a solar system through XXXX XXXX XXXX at XXXX  XXXX XXXX ( XXXX ) in XX/XX/2021 through XXXX. I was promised by the company to receive refinancing after 1 year. After the initial year was expired, I reached out to XXXX and he sent me out a " refinance '' agreement with XXXX. I signed it for the lower interest rate that he promised to get me away from. 
Immediately after I signed the new " refinance '' agreement I started getting billed by both XXXX and XXXX. I called XXXX ( which there is an on going internal investigation ) and they informed me they don't even do refinancing. XXXX fabricated my paperwork as a new construction project, frauded XXXX, got paid, pocketed the money, and now I am paying on 2 loans. XXXX won't pay off either loan and has left me holding the bag on both. I'm on the hook for XXXX $ XXXX loans right now. I'm a XXXX XXXX  on a fixed income and I need help. 
XXXX XXXX XXXX has already done 18 months in the XXXX for XXXX XXXX and bank fraud. 
He ran XXXX XXXX in XXXX XXXX the same way, by scamming people. He is a con-man. I have 5-6 people I'm in contact with that I can give to you that also have 2 loans out. I have more people outside of that with a litany of other problems. 

I am attaching receipts of payments I've made on both accounts as well as balance due on both.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

I have tried for months to get my credit report from Equifax and myequifax.com. Every time I try to login I get an error to call them. I have spent hours on the phone trying to get this fixed. Whenever I'm told it's been escalated I call back and I'm told it wasn't escalated. No one will fix the issue so that I can get my credit report.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (NC)

In Accordance with Fair Credit Reporting Act XXXX  account number XXXX XXXX XXXX XXXX violated my right. 
15 u.s.c 1681 602 section A states I have the right to privacy.

15 u.s.c 1681 604 section A states a consumer agency can not furnish an account without my written instructions.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SLM CORPORATION (CA)

Hi there, I have a sallie Mae credit card, I have been making payments on time but I cant use the card. Upon call the company for last YEAR AND HALF they told me that the card has been blocked due to some fraudulent activity on the card. I said okay, now whats the fraudulent activity and they said I will have someone call you tomorrow and for past YEAR and Half no one has called me. They have been taking money from my account every single month. I didnt cancel my payment because it will affect my credit score. Last time when I called them they said administration will look into it and give a call back tomorrow, its almost one year and they never called me back. Each time I call them, they say their has been fraud activity on the account.I called them several times but always their answer would be same that they will call me tomorrow I called them again today and the story again. The number I have been calling is XXXX XXXX XXXX XXXX XXXX. 
I am going in circles so please help me before someone ruins my credit.
Consumer complaint received 2024-06-09
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)

XXXX has been inaccurately reporting on my account, XXXX and XXXX my credit report. I have tried to fight this several times and it hasnt been removed or successfully resolved. There are accounts that are reporting as open when the collection or accounts have been labeled as charged off. I need this removed immediately, per 15 usc 1681 it has been breached and isnt fairly reporting.
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

Transworld Systems Inc. is demanding {$52.00} on behalf of XXXX bridges and tunnels. This amount constitutes penalty amounts that would have been due if original toll was not paid in time. All of the tolls were paid in time ; however, the collection continues in order to harass me into paying charges not owed. 

Transworld Systems Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit is attempting to collect on a debt of {$11000.00} that does not exist.since XXXX. 
Midland Credit has served papers in a XXXX XXXX Court in an attempt to sue for debt that was settled and removed by original creditor I've attached the original complaint/request from XX/XX/XXXX advising this company was illegally reporting a debt that was not valid and they have continued to defame and violate FRCA laws without consequences.
Consumer complaint received 2024-02-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

There has been harassing calls and e-mails about collecting a debt. Weve been homeless since the year XXXX, the Covid-19 pandemic was critical. Weve been staying in rooms, with associates or family members. This is a fraud near Invalid property lease dated from XXXX as dated on there negligent emails. Im following up with this complaint and balance of fraud and doesnt pertain to me to clarify and confirm this claim! 

Original Balance : {$10000.00} Current Principal : {$10000.00} Interest Due : {$600.00} Total Due : {$11000.00} ORIGINAL CREDITOR : XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX XXXX XXXX Genesis understands you claim the alleged debt is the result of fraudulent activity.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Affirm Holdings, Inc (TX)

I called Affirm Co. 
Ask to have my personal information deleted from Affirm 's Database. Response was that Affirm couldn't do such deletion. They should be able to accompany my request right? Thanks
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (TX)

On XX/XX/2022, I sent XXXX  a dispute advising that there was an account reporting on my credit report that was unknown because the furnisher was not listed for the alleged collection account. According to the FCRA every account must report accurate, complete, and verifiable 100 %. Only the account number was present for these collections. After reviewing an updated copy of my credit report on equifax.com I noticed they simply changed the account to reflect with a furnisher name. XXXX did not send me anything acknowledging the dispute. They also did not add the notice of dispute per Section 623 and that is a violation.
Consumer complaint received 2020-10-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (TX)

Im now without a home because they told me it was ok to switch jobs months ago and then 3 days before my closing after everything including me paying XXXX for an inspection, they say that we cant close because of the job switch, which I had gotten approved by my loan officer months ago! 
Now Ive requested a supervisor and a contact to their lawyer and no one even responds to my emails. Its been days and days Ive been trying to reach someone higher up or their corporate complaints department and not a single email. 
Its now been 4 days since Ive requested a corporate complaints number, a supervisor to XXXX, or a contact for a company lawyer and I have yet to receive anything. 

First request was Wednesday XXXX Second request Thursday XXXX And now we third request today Sunday the XXXX. 

I also want to state how n the email that not a single person has called or emailed me since my request or even called to explain why I wasnt approved. 
Just a email 2 days before Im suppose to close, after my employer offered to send whatever was needed and no one ever said what he sent wasnt enough. 
Also after I got approval from this company to switch companies since its within the same industry, and then yiu wait till 2 days before closing to decline. 
Im now out a home since Im already packed to home into my new home, Im out my inspection funds of XXXX dollars, which had someone said dont switch jobs until after closing i would have just taken a later start date which I was given the option to do.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NJ)

I have an auto loan account with JP Morgan Chase and on the app, i was provided an option to open checking and savings account online. I raised a request to open the account on XX/XX/2024 and provided all correct information and next day i got an email from Chase stating that my request has been denied. 
I called Chase customer care today XXXX XXXX at XXXX XXXX XXXX to understand why they have denied my request to open checking account even when i have auto loan account with them. However, i was just told that bank decided not do to any business with me for checking account and provided no further explanation.
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

This was never mine. My ex left in 2013 and took all my information bank account etc. 
I have not opened this account and know nothing about it till I got this notice of a judgement. 

I have had to fight several of the debts he opened. In my name. 


Please help me get this cleared from my name Thank you XXXX XXXX
Consumer complaint received 2023-01-07
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. (TX)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (PA)

Have tried several times to contact Firstmark Services regarding my private student loan that is currently in repayment. I've asked several times why my interest rate continues to rise and even asked for an origination statement. However, I can not get an actual agreement from Firstmark Services from when my loan originated. They send me the latest statement only. They say my interest rate is variable which has caused my payments to increase drastically. However, I have never had my monthly payment increase in the past. It has only increased over the last 6 months. I never asked for my student loan to be transferred from XXXX XXXX to Firstmark. And I find it absolutely ridiculous that I can't even get information on the original loan I agreed to.
Consumer complaint received 2020-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

I gained a car loan XXXX XXXX XXXX for a 2013 XXXX XXXX hybrid. I've had loan for 41 months -- simple interest loan- ( unbeknownst to me initially at dealership-XXXX  XXXX XXXX Illinois- Sales Rep- Mr. XXXX  ) through financial institution Prestige Financial. As of today XXXX, It has been stated that I owe XXXX. 

I strongly believe I have been a overcharged based on being a XXXX XXXX woman. 

Please help! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-01
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. (NY)

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX, Account Number XXXX XXXX : XXXX, Account Number XXXX TransUnion : XXXX, Account Number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (PA)

I had went to a car dealership and I told the people that I was just looking that I didn't actually want to apply, and they still took my information but I told them that I did not want to actually apply. So I look on my credit report and I notice all of these hard inquires that I listed below that I didn't even apply for or authorize anybody to use or run my credit. And the rest of these hard inquires I absolutely do not recognize I already submitted those to the identity theft department. 

XXXX. XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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  )
Consumer complaint received 2020-06-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

TWO TIMES NOW I HAVE TRIED TO DISPUTE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MY ACCOUNTS I NEED THESE ACCOUNTS REMOVED OFF MY REPORT I HAVE NOT LIVED IN THE XXXX AREA I HAVE FAMILY THERE BUT NOT ME I DO NOT KNOW HOW THESE ACCOUNT POPPED UP ON MY REPORT PLEASE LOOK IN TO THIS MATTER.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

I went on Chase.com to open a Business checking account for my mortgage broker business and I was denied the account opening when I entered the XXXX XXXX XXXX and I was asked to visit a branch location for opening the account. Today morning at XXXX I went to a Chase Bank branch on XXXX XXXX XXXX XXXX XXXX and met with their banker XXXX XXXX to open the business checking account and provided him the XXXX and the certificate of formation from the State of Texas. When XXXX entered all the information and then entered the XXXX XXXX XXXXXXXX he got the same message on his screen that Chase will not open by business checking account due to that XXXX XXXX. As per the anti trust laws this is stifling competition and for that purpose CFPB needs to investigate Chase bank to stop the practice of refusing opening accounts for Mortgage brokers to reduce competition in the mortgage industry. This is illegal.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (NC)

Comenity bank continues report inaccurate information on my report, the report states that I closed these accounts which is not true.I received a letter that the store was going out of business so I personally reached out to them to try and settle or come to some kind of agreement that is reasonable due to the pandemic and now only having one income. The declined my offer and continues to report outrageous late fees every month which is hurting my score and keeping me from getting a more affordable home for my kids. The credit limit for the XXXX XXXX card was only {$200.00} but the balance is now {$610.00} due to my fees.

And the other 2 cards are reporting but shows no balance due and they refuse to remove.
Consumer complaint received 2020-10-01
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: EQUIFAX, INC. (NV)

These medical collections are not mine, nor have I even went to any medical facility. I am not sure how this person got my information, but I want it removed immediately. Additionally, I am NOT a credit repair company, and I can assure you that this is my credit profile that we are talking about.
Consumer complaint received 2022-11-09
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. (OH)

This credit bureau has information on my report that is inaccurate. I have never opened an account of any kind ever in my entire life. I have never authorized any accounts to be opened in my name, ever in my entire life. This bureau and any accounts/creditors can not prove or provide any evidence of me opening any accounts in my life. I have never had a utility in my name, a credit card in my name, or any debt in my life. I have never provided my social security number to anyone/entity or authorized the use of my social security number to be used. This bureau is reporting false information on me and in no way can supply my signature on any contract or my identification associated with any account that is reflected on the false report it continues to house. I have never authorized any inquiries on my credit report and will be having this bureau audited and all creditors/inquires audited as well.
Consumer complaint received 2022-08-17
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: Avant Holding Company, Inc. (MI)

To Whomever Concern, On XX/XX/XXXX. The Original Creditor AVANT/WEBBANK added a collections account on my credit report per XXXX XXXX XXXX XXXX Upon further research, on XX/XX/XXXX When First Noticing the account. I asked the company XXXX XXXX XXXX in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. AVANT are breaking multiple laws as they have sold this debt 3 times, and each time I XXXX XXXX Has disputed the inaccurate account, In results the account was not verified, and was removed immediately. After the 30 days, but the debt was SOLD TO XXXX XXXX XXXX, and the company put the debt back on my credit report. Im demanded for this account to be removed from my credit report, due to the fact the original creditor could not verify the collections account. AVANT immediately sold the collections account to XXXX XXXX XXXX Without any acknowledgment XXXX XXXX XXXX is also reporting the inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this COLLECTIONS ACCOUNT off my credit report. As I have no association with AVANT/WEBBANK OR XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-05
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: EQUIFAX, INC. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX XXXX $ XXXX XXXX {$1100.00}
Consumer complaint received 2023-03-17
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: JPMORGAN CHASE & CO. (WV)

XXXX shows three hard inquiries that are not mine shown listed below XX/XX/XXXX JPMCB Card  Services XX/XX/XXXX JPMCB Card Services XX/XX/XXXX XXXX XXXX XXXX I have contacted all creditors and credit reporting agencies about this matter and have verified that all inquiries are fraudulent but yet the hard inquiries have not been removed from my credit report