davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Minto Financial dba Minto Money (FL)

I was investigating the possibility of getting an online payday loan using the XXXX XXXX app. Once I entered my information the app said I was approved. It prompted me to check how much I was approved for. Once I clicked to see the amount it said {$1200.00}. I was never given an option to decline or agree to the loan. I then received an email stating that the loan for {$1200.00} would be disbursed to my bank account and that the repayment was for XXXX payments of over {$300.00} biweekly to be deducted from my checking account!! I was shocked because I didnt agree to the loan or the terms!! The repayment schedule was included in the email and there was no option to enter a digital or electronic signature to consent to the terms!!!! This is A SCAM AND OUT RIGHT CRIMINAL FRAUD!! I immediately contacted Minto Money by phone to tell them not to disburse any funds to my account because I DID NOT agree to the terms of the loan and never gave my consent or authorization for the loan, but my call went to a voicemail. I then emailed them at the customer service email to inform them that I had not agreed to the loan or its terms and for them not to deposit any money into my account. This is a major payday loan scam. The finance charges they are attempting to force on me are over {$5000.00} for a {$1200.00} loan that I never even agreed to!! Please stop this transaction. I have also notified my bank that I did not sign for or consent to this loan and for my bank to stop this deposit from happening.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (AZ)

Reference my previous closed complaint against Chase and all of its affiliates that admitted they had been sending unsolicited mailings to my address. In their response dated XX/XX/21 they promised that in 90 days the mailings would stop. Today I received another harassing unsolicited offer from Chase to open a checking account. 

I want Chase and all of its affiliates banned from further solicitation with me. 

Thank you XXXX XXXX
Consumer complaint received 2019-12-06
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: I.C. System, Inc. (MI)

I C System is reporting an account that does not belong to me of {$340.00} to XXXX  and XXXX, I have never had any accounts with this company and this is not my account. Stop reporting bad information.This is harming my credit!!
Consumer complaint received 2021-08-31
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 — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

The XXXX Credit Bureau is reporting inaccurate information on NISSAN-INFINITI LT. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I noticed two collections on my credit from ARS Collection agency. I disputed it because my insurance paid it. I requested validation from ARS and sent them proof that the account was paid by my insurance. ARS just ignored my request and dispute. They continue to report the errors on my credit file. It has been 90 days and they are still ignoring my requests.
Consumer complaint received 2023-02-04
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)

My name is XXXX XXXX, I am the XXXX XXXX XXXX XXXX of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :
Consumer complaint received 2023-02-04
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 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 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 items 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 ) (! ) 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 2021-11-22
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. (MA)

The XXXX XXXX XXXX have a grave responsible to ensure all information being reported is accurate and correct. The credit bureau is required by law to preform a independent investigation after I as the consumer request that XXXX and Experian go beyond the original furnisher pursuant to section 609 and 1682. I am requesting that XXXX preform a independent investigation with XXXX account XXXX and review all support proof documentation. This account has been re-aged for the original furnisher first date of delinquent and is being inconsistent reporting. Illegally Re-aging account is a violation of the FCRA. This account is being inconsistent reporting of the first date of delinquency. XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX XXXX is not reporting this re-aged account. This account is inconsistent being with different years, months and dates of first delinquency. This are violating of the FCRA by XXXX and Experian. 
I have attached as proof documentation a copy of credit report showing the re-aged and inconsistent reporting by the credit bureaus.
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

XXXX - MOHELA Issue - MOHELA 's customer service is lacking and their phone tree system isn't aiding anyone by having to constantly by cancelling held calls versus getting a person to a service represenative. 
Their new loan system shows that my payment went up nearly XXXX dollars with no notice of change in statements or reason for change in payment/interest rate increasing. I've tried to get ahold of represenatives to no avail, and they seem to have deleted documentation in their online portal showing where I have signed up for discounts and debit information. Instead now they are authorizing payments that are more then I selected before I submitted for auto pay last year after forbearance. 

This is unaccetapble and I believe is against multiple regulations.
Consumer complaint received 2022-09-29
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. (FL)

On XX/XX/2022 two letters were sent out by me to XXXX and Transunion ( fraud victim assistance ) I let both companies know that my Identity has been compromised as the addresses, account information, names, employment, phone numbers, are wrong on both Trans union and XXXX and I also have absolutely no knowledge of the inquiries on my XXXX and Transunion. According to the law both companies have 4 days to respond once received. ( 15 USC 1681-2 ) A consumer reporting agency shall block the reporting of any information as a file of the consumer that the consumer identifies of information that resulted from an alleged identify theft ) ). As I sent these letters through certified mail I seen that both companies XXXX and XXXX did indeed receive my letters but did not respond within 4 days now it is XXXX XXXX.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America is reporting that I have a {$6300.00} debt as bad debt. I'm a XXXX veteran that was without income for over 2 years. Once my XXXX came in I settled this account with XXXX XXXX XXXX XXXX, account # XXXX. The settlement was completed with XXXX XXXX, XXXX XXXX XXXX  and XXXX  still shows an outstanding balance.
Consumer complaint received 2022-09-30
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. (NV)

Called the courthouse asking do they report bankruptcies to the credit bureaus and they said They do not report any bankruptcies to anybody. County Clerk told me reffer to there website. ( See Attachment ) So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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 2021-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau of the South, Inc. (LA)

Back in XXXX of XXXX I found out about a debt in the amount of {$830.00} while trying to get a loan on a house. I contact XXXX XXXX asking what the Debt was about she informed me it was a water bill and gave me the address. In which case I told her I had never lived there and she told me to file a police report for identity theft and send it to them. Which I did. While trying to get a loan for a car it was still on my credit report. I then disputed it and they refused to remove it. I called again she said she never got the police report. I then filed a report with the Federal Trade Commission for Identity Theft which list that account and another account I got a copy of the police report and a copy of that report and sent it to them with a tracking number which was delivered XXXX XXXX. I called them again on XX/XX/XXXX to find out what was going on she had a attitude and told me she don't know who signed for it but she did receive a copy of the police report. I called XXXX XXXX XXXX to get a cop of the agreement from the bill and they are refusing to give it to me. I asked them if it is a account with my name and SS number on it I would like to see the signature that was signed to the agreement. They are refusing to to give it.
Consumer complaint received 2019-12-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (IN)

The title company, First American Title Insurance Company, sent the closing documents, including SSN, address and financial information, via unsecured and unencrypted email. If my personal information is obtained from the unencrypted email could result in identity theft. 

The title company is negligent in handling this type of very sensitive information. Contact the company but they do not have an answer.
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX Capital One Bank sent me a notice confirming that they sold accounts were included in a bankruptcy filing on XX/XX/XXXX, On XXXX XXXX before the case was dismissed on XX/XX/XXXX. This is illegal. I have sent multiple complaints about many violations with the sale, collections practices and validity of accounts they sold to XXXX XXXX XXXX Capital One Case # XXXX CFPB Complaint # XXXX
Consumer complaint received 2023-11-02
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. (VA)

I've submitted documentation from credit card company, which stated that the credit account is fraudulent to Experian credit reporting agency, and they refused to update my credit report. I am not able to contact Experian via phone to dispute their results, I was told I must submit my request through the mail. I would also like to have the third-party vendor they've used to verify this fraudulent account.
Consumer complaint received 2021-11-22
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. (CA)

XXXX XXXX, I needed to remove judgment liens on my home. I was told by lawyer I had to file bankruptcy so i did in order to to remove them. I was never aware of the process called reaffirming mortgage loan with lender, as a result the lender reported my loan as delinquent and included in bankruptcy instead of reporting payment status ; paid as agreed. Also, XX/XX/XXXX all three credit agencies marked I was delinquent from approximately XXXX through XX/XX/XXXX which has a negative mark. However, I never missed a payment nor was I ever late and I have about 18 pages from the lender showing all payments on time, yet no one/company will remove the negative mark for XX/XX/XXXX. I also noticed that the agencies did not receive payment history several months prior to XX/XX/XXXX which shows I was delinquent or derogatory. 

All three credit agencies and the mortgage company XXXX. XXXX has not only defamed my name, they also are fraudulently reporting incorrect information about my payment history and status. 

I have disputed this claim about 4 times a year written in different ways in hopes they would understand their errors. To date, they, XXXX XXXX still will not acknowledge their errors, therefore the three agencies are still reporting Im delinquent/derogatory for that mortgage. 
I sold that home and paid in full to the lender on XX/XX/XXXX. Ive been trying to get another home loan which has been difficult due to this mortgage lender reporting false information. Because Ive been defamed, and XXXX XXXX has lowered due to this reporting error my quality of life has diminished to living in a rv and homeless. I deserve to have my quality of life back and these companies are destroying my mental an emotional health as a result. 

Please force them, XXXX XXXX to report correct information as I paid as agreed from XXXX through XX/XX/XXXX which was when I paid them in full, to remove the negative mark on XX/XX/XXXX and add all payments as positive, on time and never missed a payment so all three credit agencies have the correct information to change the false information about the payment history for that loan.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I CALLED EXPERIAN TODAY XXXX SPOKE WIHT SUPERVISOR XXXX of Special Services He said Experian verified Bankruptcy with XXXX I told Experian supervisor XXXX that CAN NOT be accurate because I have a letter from XXXX stating that there is no Bankruptcy record on my consumer report ( please see attached letter from XXXX ). He failed to removed the unverified information from my Consumer report.

I Have ask Experian several times to verify Bankruptcy as per : 15 USC 1692 ( B ) & 15 USC 1681c-2 Private investigation NOT THIRD PARTIES : Name, address, phone number, certify copy of judgement of public record relating to bankruptcy NONE HAS BEEN PROVIDED TO ME!!!
Consumer complaint received 2023-05-12
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX - Noticed a pending fraudulent transaction while reviewing my account disputed the transaction with Chase for {$2600.00} and onward until the new card was issued. 

The claim was pending and eventually was denied. Chase reported to me that the claim was denied due to them not being able to recover the funds and also prove the fraudulency. I advised them that I did everything on my end, starting with notifying them on the XXXX after the {$300.00} charge from XXXX smile and giving times and any information I could to help the case. 

Chase violates their own terms of service, which is their : XXXX XXXX XXXX You wont be held responsible for unauthorized charges made with your card or account information.

As well as the Electronic Fund Transfer Act ( EFTA ). If the consumer reports the loss or theft after someone used it, his or her maximum liability depends on when he or she reports it. If the report is within two days of learning of the loss or theft, the consumers is not liable.

I have done everything on my part and notified them in a timely manner however they are refusing my claim and asking for evidence that no account holder could reasonably have. They have stated that there are inconsistencies in my claim stating that I was aware on the XXXX which is inaccurate and also that only the claim for {$2600.00} was put through this is also inaccurate as I notified them all transactions after the XXXX smile were fradulent. 

Here is the call history I have, I have spoken to more supervisors than these and they all consistently are saying the same thing and when I continue to fight my case they hang up on me. 

XX/XX/XXXX - Spoke to XXXX XXXX XXXX Spoke to a gentleman with Chase XXXX Spoke to XXXX XXXX XXXX Spoke to XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (CA)

In XX/XX/XXXX I received a bank statement from XXXX XXXX  XXXX. I contacted the bank to find out what this was since I did not have a XXXX XXXX  XXXX account. They told me there was a total of 2 accounts open under my name.. I did a fraud claim with XXXX XXXX XXXX and ordered my credit report I found a loan that was from a pay day loan type company that was used to deposit the funds to XXXX XXXXXXXX XXXX. I filed a identity theft claim with XXXX and had my credit locked. XXXX XXXX XXXXXXXX sent me a letter saying that they determined that I did not open these accounts and I have the letter which I have submitted along with the police report to the credit bureaus .... Now on XX/XX/XXXX I see another loan that was taken out under my name fraudulently with the company XXXX XXXX for {$2600.00}. Who has now sold the delinquent account to another collection agency, XXXX XXXXXXXX XXXX/Drs Debt recovery solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and now there is a balance of {$4400.00}. it has gone to collections with all three credit bureaus.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: NAVY FEDERAL CREDIT UNION (FL)

My financial information was shared with coworkers and trainers regarding a personal call I made to Navy Federal Credit Union inquiring about my personal account. That information was used to harras, bully, intimate, belittle and retaliate against me