davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
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: EQUIFAX, INC. (CA)

I have contacted numerous time my credit report agency and every time they would ditch me and give me an XXXX excuse and couldnt resolve my situation and I told him that I have not authorized all these new inquiries on my credit report please I need someone to help me out
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation 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 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

***SECOND REQUEST*** Due to LexisNexis alleging that they were unable to verify my identity, despite being provided my full name, address, phone number, social security number and email ( the same one they allegedly attempted to contact me at ) I am submitting the same complaint, along with a copy of a recent utility bill, my IL drivers license, and as a copy of my social security card in addition to the previously submitted documents. 

There is an unverifiable public record reporting on my credit report. I contacted the court listed to which they advised that do not share any personal identifying information with any third party. I personally did not authorize any third party to collect and share my personal identifying information with any person or company. I have previously disputed this public record with XXXX and XXXX to which they have responded that it has been verified as accurate. This is not true. I spoke with XXXX today and they have advised that LexisNexis reported the information as accurate. This is a violation under 15 U.S. Code 1681b. I previously spoke with LexisNexis and they advised that they were unable to verify the public record and removed the entry from their database. I will be attaching the letter from the courthouse which states that they did not share my personal identifying information. I will also be attaching the letter I received from LexisNexis that stated they were unable to verify the public record and previously removed it from their database.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$31.00}, XXXX written off. {$31.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$31000.00} Never had account belongs to someone else. Disputed and no proper investigation within the timelines of my federal rights.
Consumer complaint received 2023-02-03
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. (MD)

Early last year, I applied for the XXXX XXXX XXXX XXXX program and in XX/XX/XXXX, my student loans were transferred from XXXX to XXXX. 

On XXXX XXXX, XXXX while checking my credit report, I noticed that my student loan balance was doubled because it was reporting twice. Upon further inspection, I realized that XXXX is still reporting my loan account as open with the full balance. 

I contacted XXXX that same day via chat to have the discrepancy resolved. I was told that I needed to dispute the information with the credit bureaus, at which point XXXX would confirm the account is closed with XXXX balance and it would be updated correctly. 

I submitted disputes with all three credit bureaus on XXXX XXXX, XXXX. On XXXX XXXX, I was notified by Experian that XXXX confirmed that the account was still open and the full balance was correct, so no changes were made to my credit report. 

XXXX continues to report erroneous information to the credit bureaus. My account is paid in full with them and closed ( which is reflected if I log into my account ) and yet they continue to report something different to the credit bureaus.
Consumer complaint received 2022-12-12
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

claim number XXXX which included two transactions from XXXX for {$1800.00} and {$1500.00} The merchant XXXX has said that the amount for {$1800.00} and {$1500.00} was credited back to me through my bank. The merchant XXXX  stated that they are unable to credit me additionally outside of the chargeback because chase is in the process of issuing the funds back to me. Chase bank has NOT credited both amounts back to me. Chase Also reversed amounts {$320.00} and {$59.00} in the dispute vs XXXX and it shouldnt have.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

Applied for a mortgage refinance with Pentagon Federal Credit Union ( PenFed ) on XX/XX/2021. 
XXXX XXXX received a Good Faith Estimate ( GFE ) itemizing the cost of providing the loan. No origination fees are associated with this loan, no origination fee on the GFE - XX/XX/XXXX, physical home appraisal completed - XX/XX/XXXX, received letter from PenFed 's closing attorneys advising to consider using a XXXX for the refinance which will save me money on transfer taxes. Cost : {$750.00} XX/XX/XXXX, payment is made for XXXX modification of {$750.00} XX/XX/XXXX- Loan is given conditional approval Submitted all required paperwork well within all the required timeline. PenFed continued to drag their feet throughout this process and was unable to meet the closing date deadline on three separate occasions. Various excuses were provided for the delays but they all were related to the Title division. In the sixth month after the process started, we have a new closing data. Three days prior to the close I received the disclosure documents. The documents now outlined new fees that were not listed in the GFE. At no time did the loan processor informed new origination fees were being added to the loan. In addition, the mortgage XXXX was never completed which resulted in the transfer taxes remaining unchanged. Payment made for {$750.00} was collected with no results. The origination fees added an additional ~ {$12000.00} to the closing resulting in it nearly doubling. 

I believe the actions taken by Pentagon Federal are in violations of the Consumer Protection laws. and amounted to a financial bait and switch.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I am trying to explore my options post forbearance with Loancare & every representative I speak to gives me contrary advice to the other representative. I have had issues with them for months now. Each time I had asked for more time, one grants me an extension on the forbearance and the other denies the expiration date. More recently I had a call with a representative by the name of XXXX ( call recorded ). He advised I had until XXXX/XXXX/2021 until my forbearance expired. I then get correspondence in the mail that contradicts that and states my expiration was XXXX/XXXX/2021. XXXX advised I was to call before expiration to explore my options post for XXXX. He advised that I could either defer my loan or modify the loan. When I called earlier this week I spoke to an individual by the name of XXXX Who advised that the deferment option was no longer available because of the amount of the loan. I asked her about the expiration date and she advised that my forbearance expired XX/XX/XXXX. I told her what XXXX  have advised me. She apologized and said that he gave me wrong information and that because of that I lost the option to defer. She advised that the only option I had was to modify. I told her that is not fair because of his misinformation, I was deprived of the deferment option. She said she would send it to another representative to escalate and take a look at the file. She advised that the representative would contact me sometime this week. I havent heard from anyone and currently on the phone again with a representative. The first one got my information while I waited on hold and hung up on me. I called again and immediately asked for a loss mitigation specialist. I am now on hold waiting for someone to take the call. However I have lost faith in any communication this company gives me and it is my livelihood on the line. I do not want to rely on any information they give me because I dont know if its going to be accurate or not. Because of them, I may go into default despite the fact that I have been diligent in monitoring every communication and every expiration date. I need you all to intervene so that I can get a resolution to my situation. The reason I want to defer is because I want to preserve my option to apply for a mortgage assistance grant through my state. The plan in California states that if you get a modification from the lender, you will no longer be eligible for the grant. That is why I dont want to do a modification at this time. I explained all of this to the representatives at Loancare.
Consumer complaint received 2023-07-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2023 a dispute was sent to Trans union in relating to accounts that were on my credit report that did not belong long to me. These accounts were fraudulent. I submitted a FTC fraud report, police report, attached to a letter to TransUnion, as well as XXXX, and XXXX. XXXX and XXXX removed the fruadulent accounts but not TransUnion. On XX/XX/XXXX, I sent a 2nd letter to TransUnion stating that XXXX & XXXX removed the information. How is TransUnion verifying this information if all 3 bureaus get the information from the same source? I reattached the police report and FTC fraud report. On XXXX, XXXX XXXX  I received a letter from TransUnion stating they will reinvestigate. As of XX/XX/XXXX the information disputed has not been properly verified by TransUnion.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (SC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXXXXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA (NV)

I have sent letters and they refuse to send me any documentations that I request that show proof pursuant section 15 USC 1681a ( 2 ) ( i ), 15 USC 1666b and 1637 ( b ) and 15 USC 1681s-2
Consumer complaint received 2023-06-14
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : 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 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 -Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2021-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORO OC, LLC (FL)

In between the months of XXXX - XX/XX/XXXX, I became enrolled in what I was led to believe was a student loan forgiveness, Revised Pay As You Earn ( XXXX ) program by way of EduLoan Servicing, in which my " account '' was later sold to XXXX, unbeknownst to me. Almost immediately after I completed enrollment with EduLoan, I began receiving multiple emails & phone calls from different people who said they'd acquired my account, and that I'd have to deal with them from now on. I had not, at the time, realize what selling information was, and that it was illegal. 

In XXXX of XXXX, after almost 5 years worth of payments, it was revealed to me by an official representative of the U.S. Department of Education that no such payments were made on my behalf and they did not recognize any such consolidation program by way of EduLoan or XXXX XXXX. Furthermore, the representative revealed that the U.S. Government suspended all student loan repayments for the year of XXXX to commence in XX/XX/XXXX, yet my bank has been charged bXXXX XXXX  XXXX every month in XXXX all the way up through XX/XX/XXXX until my card expired. 

I began receiving text messages from someone allegedly named XXXX XXXX about my card expiration & that they were looking for payment, which struck me as odd because no legitimate business will personally text you. The web link that was sent to me via this person 's email was only set up to receive your personal bank information. No further information was available on the website as to who they were, contact information or anything, only to receive your information. 

https : XXXX ) Once I was able to contact them, I told them I wanted a full refund and was told I wasn't entitled to one UNTIL I told them I was not going to let this situation go and was going to get whatever authorities available involved, possibly including an Attorney General. I told them that I now realize they've been selling my personal information without my knowledge, that the " contract '' was void because no consolidation payments were made to the U.S. Department of Education on my behalf like what was explained to me, only to them every month. 

Only AFTER all of this is when I began receiving open communication from XXXX via email, calls & voice-mail. On XX/XX/XXXX, the supervisor of the representative that was handling my file, explained to me they he would, in fact, refund me only {$930.00} to make up for just 2 years worth of payments that they knew they weren't supposed to be receiving. As of XX/XX/XXXX, that transaction never happened, nor has any further communication been made on they're behalf. 

I am including in this correspondence the initial interactions via email & text messages between myself, EduLoan representative XXXX XXXX XXXX XXXX XXXX, XXXX ' XXXX XXXX, XXXX & XXXX XXXX. I still have the original " contract '' and most, if not, all of the voice recordings over the last few years if needed for further review.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (AZ)

Spent XXXX min on phone with rep who refused to tell me why my acct was closed or why I " owed them money ''. Refused when I asked for supervisor and basically said oh well! I barely ever used this card. What do I owe and will this show up on my credit? Can I fix? What's going on?
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc. (GA)

I have submitted an identify theft report to XXXX about some inquiries that are on my credit report and they have failed to validate who the spoke to during theyre investigation saying that those inquirs are factual according to the FCRA these inquires must be removed if stated as FRAUD
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (PA)

This unknown fraudulent account appears on my credit report on XX/XX/year> in the amount of {$1600.00} this account is not mine I have know knowledge of this account its fraudulent. I have reached out to the credit bureaus am sent documentation showing this account is fraudulent
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (PA)

XXXX XXXX XXXX is reporting account XXXX on my credit report which is ruining my way of living, their reporting to my credit as a charge off but I never got an 1099c form which makes the alleged debt taxable income so how is it debt? also their violating my constitutional rights 15 USC 1681b ( 2 ) because I never gave them consent to report anything on my credit which is also fraud and identity theft.