davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
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: Navient Solutions, LLC. (DC)

Navient is illegally reporting three charged-off student loans to the three credit bureaus past the 7.5-year period. In XX/XX/2021, I sent a letter to Navient disputing three charged-off student loans and requesting they be purged from the three credit bureaus in accordance with FCRA regulations ; however, Navient responded stating the information they reported was accurate and refused to request removal of the information from the three credit bureaus, XXXX XXXX and XXXX.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (LA)

Chase Bank is trying to take my money from the SBA loan I was approved for. The blocked my accounts and would not return the money to me or to them and I have to pay that money back to the SBA.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and i'm submitting this complaint myself, and there is no third party involved. Concerning a previous dispute with confirmation number # XXXX. Equifax says the alleged account was investigated and verified. according to 15 USC 1681 ( a ) ( e ) they must interview 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.

Equifax did not interview any of my neighbors, friends, or associates. therefore they are in violation of 15 USC 1681 ( a ) ( e ) and owe me {$1000.00} for violating my consumer rights, and they must delete the account from XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-01-19
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: DISCOVER BANK (FL)

I'm XXXX and I have never had a Discover card. I have repeatedly disputed this account and Discover keeps " verifying '' it. Additionally, Discover is not allowing me to opt-out of third party sharing. That's a violation of US privacy law. I want to opt out every way possible.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2021-09-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I did the wire transfer from XXXX and XXXX to XXXX HSBC bank and XXXX XXXX XXXX which is the fraud scammer s account from XXXX to XX/XX/XXXX .After did the wire I just knew that is a big big romantic scam are happening all of the world now, They are the illegal money washer account used by the fraud scammer all the time, so I ask the HSBC and XXXXXX/XX/XXXX to responsible it and pay me back. The wire Luring money totall is $ XXXXus dollars which are I borrowed from my friend and families. I dont know how to be lifing now, please help me to investigate these two illegal Accounts.
Consumer complaint received 2021-09-25
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-09-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Auto Sales Inc. (SC)

I bought a vehicle in XXXX? The vehicle was a XXXX XXXX XXXX. I purchase the vehicle from U S Auto Finance. I purchased the vehicle with gap insurance. The vehicle started to have multiple problems after thirty days? One of the major problems was the head gasket?? I called U S Auto finance and explained the problems! U S Auto gave me the run around, transferring me to different numbers who couldnt fix the issue? Not knowing what to do? I had the car towed to a nearby mechanic shop? Where I was still making bi weekly payments on the vehicle! Still calling U S Auto finance! With no response from U S Auto finance. I was put in medical leave, due to high risk XXXX! Once again I called U S Auto finance and told them they could pick up the car! I gave them the address to the mechanic? They picked the car up about two weeks later? I never received a Bill of sale a letter about payments or how much was owed on the vehicle? Theres no proof of any kind showing that this amount is still due!! I dont know if the car was sold? And if the car was sold how much was the car sold for?? Because its showing on my credit the same amount financed!! How is this possible when I was making payments and my gap coverage should have cover the balance. I believe this company is fraudulent. And they need to prove this car wasnt sold and still charging me the full total of this vehicle
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (IN)

To whom it may concern, credit acceptance, as of XXXX of 2020 during the COVID pandemic, they added on higher interest rates to the loan, they're was know help at all, They repo my vehicle, I borrowed from friend to get of out the yard the shiped to, then when I got the truck back next note add on more interest, was not trying to help. My mom loan she had, loan they took a year off the loan and drop the interest rate, I ask credit acceptance for the same service they said know, week later came picked up the vehicle again stay in that yard for XXXX weeks I didn't have the money, they added more interest rate when I got it out, They are not nice at all they try help, all about money to them. I wish they give back all that extra money they took high interest rates and extra fees not fair they don't care, they very heartless
Consumer complaint received 2022-10-08
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. (FL)

In accordance with the Fair Credit Reporting Act : XXXX XXXXXXXX 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 XXXXas 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
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Last week I received an email from Capital One. It said I could check to see if I was pre-approved for a credit card via a " soft inquiry '' that would not affect my credit score or credit report. After applying, I saw that I was pre-approved for a Capital One credit card. It explained that no " hard inquiry '' would be placed upon my credit report. 

Immediately, I received another email from Capital One stating, " We will be in touch very shortly ''. After waiting two days by my phone for a call from Capital One, I called them ( XXXX ) to find out what was happening. They explained that a " hard inquiry '' was put on ALL THREE CREDIT BUREAUS and I was refused a card because they could not ( or didn't even try to ) reach me by phone. 

After talking to a supervisor about this at Capital One, she responded with, " Go to XXXX! '' and hung up on me. This is beyond unprofessional. I spent 84 minutes on the phone trying to resolve this and they hang upon me. I did not call back. 

This is " bad faith '' business practice by Capital One. They have damaged my credit rating with a hard inquiry for the next two years. My credit score has dropped by more than 10 points due to this dishonest, lazy, and incompetent act by Capital One. 

I have a fraud alert on my credit report due to illegal activities last year and my phone number is attached to the alert. They could have easily called and verified my identity but instead mishandled my data, and now my credit report 's status has gone from excellent to good.
Consumer complaint received 2021-09-25
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)

I have invalid incorrect data on my credit report due to a CREDIT FILE MIX WITH A PERSON WITH A SIMILAR NAME. I have contacted Experian about this merging of accounts that don't belong to me and addresses that I have never lived at, received mail, or recognized newly appearing on my credit report overnight. I demand for this information to be immediately deleted : Fraudulent ACCOUNTS THAT DONT BELONG TO ME : - XXXX opened XX/XX/XXXX - XXXX XXXX XXXX opened XX/XX/XXXX - XXXX/ XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX FRAUDULENT ADDRESSES THAT I NEVER LIVED AT/ BELONGS TO ANOTHER PERSON - XXXX XXXX XXXX XXXX nc XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX - XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX tx XXXX THESE ADDRESSES ARE ATTACHED TO ACCOUNTS THAT DONT BELONG TO ME BUT A PERSON WITH A SIMILAR NAME DIFFERENT SOCIAL SECURITY NUMBER! PLEASE HELP ME GET REMOVED!
Consumer complaint received 2021-09-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST MIDWEST BANCORP, INC. (IL)

Not long ago I noticed I had multiple unauthorized transactions on my XXXXXXXX XXXX with the title " XXXX XXXX  XXXX  ''. I had traced it back to my XXXX  XXXX  account where I saw multiple purchases. I contacted XXXX XXXX  regarding the transactions, they denied any compensation and told me to address the concerns with the company. They provided contact information and it was for a game titled " forsaken world '' I contacted them explaining the situation that my XXXX XXXX  account had been compromised and there were all these unauthorized transactions. They refused to refund. Back in XXXX I had lost a phone with no lock screen, so I'm assuming that is how they got a hold of my account. I had changed my passwords or so I thought, unfortunately I must have not changed the XXXX XXXX  that was linked. After being refused help by XXXX XXXX  and the company developer for that app, I contacted XXXX who fortunately helped with the fraud payments. However, as I was deleting all payment options on my XXXX XXXX  I noticed my debit card and XXXX  were linked. At the time I did not have a second authorization like I do now so a password was the only thing needed. I quickly checked XXXX  so the charges and contacted them. They recommended I go to my bank which I did, however my bank only covers past 60 days so I basically lost about XXXX. I'm a XXXX working full time with XXXX XXXX, so working those hard stressful hours with covid all around and haven't it be taken is devastating
Consumer complaint received 2021-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Around XXXX XXXX I noticed a negative account on my credit report. I called to inquire about the debt. It several attempts to find the info. I noticed it was in my maiden name and the debt collection agency would not give me more info. They were interested in me paying the debt. I got a letter in the mail showing that the debt collection agency sent from the original creditor. On this bill, it has my maiden name, a very old address I lived at over 15 years ago, but the dates were several years ago. At that time I didn't even have utilities in my name and I do not use my maiden name. 
I have tried disputing it several times with the credit bureaus but it keeps coming back as validated debt. 
I called the original utility company to see why was the debt sold to a collection agency that was not mine. I spoke with 3 different representatives and no one could find the debt in their system. I provided them with all the information and there was nothing there. They found another old bill in my name that was paid in full. 
Basically, I have a debt that is reporting on my credit report. It shows the dates XXXX & XXXX for {$160.00} from Transworld TSIXXXX. The original credit ( XXXX XXXX ) has no information on this debt. They were unable to locate it. I am not sure how this TSIXXXX  got this debt. 
It is reporting on my credit report on XXXX XXXX XXXX which is negatively impacting my credit score. I should not have to pay a debt that is not mine.
Consumer complaint received 2021-09-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

PennyMac has failed to pay my property taxes on time for the second time in the past 7 months. This has resulted in my account being delinquent and caused me to have to pay penalties. 

The first time they failed to pay was for a property tax bill due in XX/XX/2021. I contacted PennyMac and informed them of the failure to pay. They then paid the bill but I was required to pay the penalties. 

They have failed to pay my property tax again for a bill that was due in XX/XX/2021, resulting in my account being delinquent again. I once again informed them of this problem and they paid the bill, but I was required to pay the penalties. 

PennyMac claims that they were unaware of this supplemental property tax bill, but the payment due in XX/XX/2021 was the second installment of the same bill that they failed to pay in XX/XX/2021, which means they should have been aware that a second installment was due.
Consumer complaint received 2019-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WINN LAW GROUP, APC (CA)

On XX/XX/XXXX I found out that I was a victim of Identity theft after Win Law Group ( representing XXXX ) levied my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with XXXX and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter. 
Furthermore, my personal information showed on the XXXX XXXX XXXX XXXX is incorrect. 
1. My name is XXXX XXXX XXXX, not XXXX XXXX XXXX. 
2. On XX/XX/XXXX Case the comment was Unsatisfied in XXXX County and on XX/XX/XXXX another comment of Unsatisfied in XXXX County. However, I have never lived in XXXX County of XXXX County. I only have one address which is : XXXX XXXX XXXX, XXXX XXXX CA XXXX XX/XX/XXXX. 
I have tried to dispute this ID Theft issue with Win Law Group and XXXX XXXX   hoping to remove this case and have a refund of the levied amount. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.
Consumer complaint received 2021-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have called and disputed these inquiries because they are not mine. The credit Bureaus took one off and left 5 on. I sent the information they asked for but the credit bureaus wont help fix this problem.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.I will seek monetary compensation if this isnt handled
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-12-04
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)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-16
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. (FL)

TODAYS DATEXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reached out to Transunion on XX/XX/XXXX and on XX/XX/XXXX because they are reporting an inaccurate and inconsistent payment history under the account with " XXXX XXXX  '' and I tried to have them fix this matter, but they will not comply with the law. 

To date, it still reports me 120 days late 6 months in a row, from XXXX to XXXX of XXXX, and there is no prior dates of delinquency at all.
Consumer complaint received 2019-11-26
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. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.