davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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. (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. 

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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX. Received this random letter in the mail stating I owe {$5500.00}. MBNA AMERICA AMERICA BANK was sold to another corporation in XXXX, so that company does not exist as named on the letter. I am cleaning up my credit report which had years of false and inaccurate information in it, as far back as XXXX. It's been a three year project. I see on XXXX  that this business has pulled this scam on many many people. Once they get your personal information they constantly call your cell phone, constantly contact employer and threaten to sue you. I am on a fixed income. I am not going to respond to this company. I am certainly not giving them my telephone number, or any other questions they expect answers to. I have attached this form letter. 
Lately, I am getting junk emails and postal solicitations from random companies offering me credit related garbage. So either the credit bureau gave out my info or XXXX gave out my info. Both need to stop now.
Consumer complaint received 2023-06-23
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. (NC)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-01-31
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-01
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. (SC)

Equifax Information Services LLC is continuing to list a fraudulent address and a fraudulent inquiry on my credit report. I have written them on several occasions and alerted them this information is fraudulent and have asked them to remove it. There is a fraudulent address from XXXX IL and a fraudulent inquiry from XXXX CRD SVC listed. I have written Equifax Information Services LLC on several occasions that these items are fraudulent and have asked them to remove them. They ignore me and never respond. Please make Equifax Information Services LLC remove this fraudulent information immediately.
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (TX)

I received a debit card from Chase Bank to be activated on XXXX XXXX then on XXXX activityI received a letter from the bank that days that the account was blocked due to recent activity. 
I also called the bank today and also immediately after I received the card by mail. 
I reported it to the fraud department. they say that will open an investigation on this matter, because the suspect that this might be an Identity Theft. and fraud.
Consumer complaint received 2021-07-31
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)

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. 

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government.
Consumer complaint received 2021-08-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

On XX/XX/2021, I contacted PennyMac to initiate a loan refinance. Rate lock of {$100.00} was given to secure our rate for 60 days and initiate the loan on the same day of XX/XX/2021. Once documents were received from us and a loan was generated by underwriting, I was contacted on Friday XX/XX/2021 to set a close date as well as I received the proposed closing documents. The loan documents received were not the loan amount or amount to close that was discussed. After returning the call the following week, I was sent back to XXXX XXXX and he agreed that it was nothing that we discussed, so he guaranteed he would work on getting it revised to reflect our agreement better and he would be in touch. No further contact was received from the company for a few weeks so I emailed XXXX on XX/XX/2021 and had no reply for 1 week. I then called all of the contact numbers I had for him and when I finally got to talk to him, he stated that he had no answer but the loan was closed and it would require a second credit pull and rate lock to get the loan process restarted. With some conversation, he promised that he would as his supervisor to review the case and get it reopened so we can still close on the loan. 2 subsequent days of calling both XXXX and his supervisor XXXX XXXX, we had no new answers and they wouldn't take the calls. We received one email from XXXX stating there is still no answer and his supervisor will work on it. Since then, there has been no communication from their side and they will not answer or return emails or calls. XXXX XXXX 's number is listed as XXXX. XXXX XXXX 's number is listed as XXXX ext. XXXX. We did not receive any refund after the communication stopped and we have nothing to show for the entire process other than the credit pulls which should be then removed from our reports as well.
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was scammed by someone named " XXXX XXXX '' using the email XXXX to communicate with me via email and using XXXX as their XXXX account email to sell me a XXXX XXXX XXXX. They had the breeder " XXXX XXXX '' from the company I applied to adopt a dog at XXXX XXXX XXXX contact me first because of XXXX regulations that if you can't take care of a dog to send it back to the breeder. They then asked me to sign a contract and send them {$500.00} via XXXX as a deposit for the puppy. I then sent them the money and haven't heard back since.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a auto loan with capital one that has 10 inaccurate payments. These items are inaccurate because for one, the balances are reporting different across all three credit bureaus and the months they claim i was late are different across all three bureaus. Also according to THE LAW USC 1666 its against the law for creditors to have billing errors on consumer reports. I WAS NEVER LATE ON MY PAYMENTS.
Consumer complaint received 2021-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKMOBILE TECHNOLOGIES, INC (WA)

I transferred {$3000.00} from my account to my savings account at the XXXX XXXX XXXX XXXX. The bank claims to have sent the money but it has not shown up in my savings account. I tried to ask the customer service to look into it but they keep asking me to ask the destination bank that hasnt receive any funds from them.
Consumer complaint received 2021-08-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 45DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2021-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I and XXXX XXXX  have sent numerous letters to Transunion showing that the account that they allegedly claim that I had with XXXX XXXX XXXX XXXX was been reported inaccurately. We have asked them to delete XXXX XXXX XXXX XXXX from my credit report and they have failed to do so as the information been reported on my credit report as it pertains to XXXX XXXX XXXX XXXX is inaccurate. I then exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( III ) and I requested there method of verification and they have failed to provide me with this. The law states that the credit bureau should ensure that the consumer gets a copy of the method of verification within 15 days after they got the request for it. According to the United States postal service Transunion got my request on XX/XX/2021. It has been more than 15 days and Transunion has not responded. It is illegal for a questionable item to be on my credit report and I asked the credit bureau for proof that this is reporting accurately on my credit report and they have failed, cant or wont provide this proof and this is a case of severe injustice for me. CFPB I am asking you to instruct Transunion to delete XXXX XXXX XXXX XXXX from my TRANSUNION CREDIT REPORT IMMEDIATELY. I am going to attaching with this complaint a copy of the notarized letter that I sent to Transunion and a copy of the certified receipt from the United States Postal Service.
Consumer complaint received 2020-12-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (IL)

Convergent Outsourcing has put a collection in the amount of {$2600.00} by XXXX. Please note this is not my account, I do not have and have not had XXXX I have not received any form of letter or notification from this company so I can prove or validate this company. I first found out about this account when I received a credit alert, which prompted me to freeze and lock my credit profile on an already extended credit alert that I added to all 3 of my credit profiles to avoid issues and misreporting information as such. I contacted this company on XX/XX/XXXX inquiring about this account and the representative appeared to not have no information for me or on me. But yet proceeded to ask me several questions to search for an account they put on my credit report that she could not find in her system. This account was fraudulent and bogusly put on my credit report.
Consumer complaint received 2021-07-25
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: EQUIFAX, INC. (FL)

I have been disputing my erroneous accounts reported in my credit report since XX/XX/2021 and have never received a response from the credit bureaus. What else am I supposed to do so that my rights are not violated? I have already sent letters by all known means. I am not happy with the way the credit bureaus have handled my case. I am in my right to dispute all the erroneous accounts that I find in my report, and, if it is not verified, it must be eliminated.
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (KS)

Direct transfer of funds from XXXX XXXX to a bank in XXXX. Recipient unable to collect the money so Western Union cancelled the transaction on XX/XX/2021. Western Union assured me the funds would be returned to my account in 7-10 days. It has not been returned. I have made numerous calls and filed a complaint with WU. All to no avail. I have been lied to every day since the money was due. 

The initial tracking number is XXXX. The case number is XXXX. 

Today I got an email telling me the " transfer is complete and the money is ready to be picked up in XXXX!!! '' I am baffled by this behavior by Western Union. 
They have used every excuse to not return my {$8000.00}. They have my drivers license information, address, phone number, bank account numbers and I believe they have my shoe size now. 

I have double checked with my bank and there is no issue on this end. This a plain and simple case of fraud by Western Union. The money was to help a relative with a serious medical issue, which has only gotten worse. 

PLEASE HELP ME RECOVER MY MONEY!
Consumer complaint received 2021-07-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC. (FL)

I was harassed and threatened by Exeter Finance LLC that my personal property ( vehicle ) would be repossessed.

Several months prior to sending Exeter Finance Company some paperwork certified mail on XX/XX/XXXX I have been constantly harassed and threatened by phone from Exeter Finance that my vehicle would be repossessed. 
On XX/XX/XXXX I sent Exeter Finance LLC certified mail with the following documents, 1. Affidavit of truth, 2. A Debt Validation Letter, 3. A Cease and Desist letter, and some of the harassing phone calls records. As of XXXX XX/XX/XXXX. I havent received any response to the info that I sent them. 
On Tuesday XX/XX/XXXX around XXXX late evening my wife alerted me that some men were outside in my driveway getting ready to tow my XXXX XXXX XXXX. XXXX in color. I went out to see what was going on. The lead guy told me that the bank told them to come out and repossessed my vehicle. I ask the gentleman to see a repo order. He said he didnt have to show me anything. I also asked if he notified the local police. He then stated that I didnt have to notify them. I told him that I sent the finance company some paperwork, Notice to Cease and Desist, Debt Validation letter and and affidavit of truth. He stated He didnt care what I sent them. He was there to take the vehicle. I tried getting into my vehicle but prevented me from going into my vehicle as he and three other guys stood in front of my vehicle in my driveway. He said the only way that he would allow me into my vehicle is if I would turned over my keys to him. So in fear of not getting hurt from these four guys I gave him my key. He then towed my vehicle out of my driveway on the side of the road to let me get some of my belongings out of the vehicle. I got some of my belongings out of the vehicle. I also took of my license plate off the vehicle. I asked what repo company they work for but they never identified what company they worked for. They hook and chained down my vehicle and left the area. 
On XX/XX/XXXX I got a letter from Exeter Finance Company which says NOTICE FOR PLAN TO SEL PROPERTY.

I called Exeter Finance on XXXX XXXX to ask if they got my certified mail which was signed for on XX/XX/XXXX. The representative stated that they have no records of getting any mail from me. I told her that I sent them certified mail containing 1. Affidavit of truth 2. Debt Validation letter 3. Cease & Desist letter and also all of the harassing records and as off todays date XX/XX/XXXX, I havent gotten any response regarding the matter. She didnt respond to the questions that I asked her. She hung up the phone after I got through asking questions.
Consumer complaint received 2021-08-01
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: Experian Information Solutions Inc. (TX)

Experian is reporting an inaccurate credit score which has cost me the opportunity to obtain a hard money loan to buy my first real estate property to sell back on the open market. This has cost me the potential of making thousands of dollars. Seriously considering weighing my legal options if my credit report isnt investigated properly
Consumer complaint received 2021-07-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Kentucky Higher Education Assistance Authority (NC)

Good Afternoon, I am a single parent of XXXX. I graduated from XXXX XXXX XXXX  in XXXX NC, on XX/XX/XXXX, then XXXX to XXXX ; I took 11 classes at XXXX XXXX  now -- XXXX XXXX XXXX XXXX NC, I have never been able to pay student loans after stopping classwork in XXXX, In XXXX student loan billings started to form, I could not pay and informed to deferment payments in which I have done since XXXX XXXX with XXXX XXXX XXXX I have written and sent in hardship documentation yearly and after I could not pay XXXX XXXX sent my loans to collection agencies, the list is below : All of these was listed on Chapter XXXX BK. 
1.XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX, WA XXXX {$10000.00} and # 2.XXXX XXXX is a registered Business operating as a Debt Collection Agency - # 3 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX - {$5900.00} # 4. XXXX XXXX XXXX / XXXXXXXX XXXX XXXX XXXX {$10000.00} # 5 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX {$46000.00}, # 6. XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, In the years,XXXX, A place called XXXX started sending me bills for SL. 
XXXX Bankruptcy case was entered with the above creditors listed and I was granted a special hardship XX/XX/XXXX, 4/5 years later another company XXXX, 5 years later now XXXX asking for {$94.00}, XXXX which has been granted with XXXX XXXX
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (PA)

LexisNexis Had False/erroneous information showing on my consumer report which is harming me and my credit score I reached out to them with a letter they did not respond at all. I sent them a non-response letter, they did not respond. I submitted a complaint with the CFPB they still did not respond in 30 days.
Consumer complaint received 2024-03-25
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. (NY)

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. I contacted the company via phone call and they agreed to update the account to reflect open/not late status. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 

XXXX XXXX XXXX