davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
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. (FL)

Two fraudulent accounts have been posted on my credit and I have No association with these accounts. Ive been battling with the debt collections and telling them this is not me and its fraudulent. Its NOT my name nor my information that they have and it needs to be removed. The two fraudulent accounts posted are : XXXX   XXXX, fraudulent balance : XXXX, alert date : XXXX. 
XXXX XXXX XXXX, fraudulent balance : {$880.00}, alert date : XXXX. 

These accounts are not mine and need to be removed. Ive never worked with any of these companies.
Consumer complaint received 2023-08-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX, and i have been trying to get information from my credit report. Reference Number : XXXX that is on my report. All I have been receiving from them is generic responses, when I have requested actual documentation from them. Attached is two letters and one documentation sheet that has been sent to them. Requesting the actual documentation on the Reference XXXX. In my knowledge if they can not obtain the actual documentation, it should be removed from my reports. e-Oscor is not valid the letter i upload are same as i sent each credit reporting burel
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2024-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

Wire transfer sent to JPMChase, we ( me & my bank XXXX ) trying to reach chase bank to recall the transfer. We are nit getting response for fraudlent transactions sent to chase bank on XX/XX/2023 for amount {$50000.00} into scammer company : XXXX XXXX XXXX. my bank XXXXput a recall request to reciepent bank : chase Bank where money got deposited. Chase bank is not responding to recall request. We did 3 recall request. I have details for chase account number.
Consumer complaint received 2023-02-28
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2024-03-06
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. (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.

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 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company. To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).
Consumer complaint received 2022-02-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I have been making additional payments on my loan, above and beyond my minimum monthly payment. I have requested these payments go toward my principle balance only in order to reasonably get out of my own debt quicker. However, the company informed me that Unfortunately as outlined in your promissory notes we must first apply payments to accrued interest, then to any fees ( if applicable ), and finally, to the principal, your daily interest accrual is {$4.00}. 

I do not doubt that this statement is correct. However, I believe this practice and policy directly violates my rights. Here is a relevant quote from the Consumer Finance website : All student loan borrowers have the right to make extra payments ( known as prepayments ) at any time, without any fees or penalties. If you can afford it, paying a little extra each month or making a lump sum payment towards your principal is a great way to lower the total cost of your loan. Not only do you pay down your debt faster, but you save money on interest charges over time. 

This company is denying me the right to do just so.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the Fair Credit Reporting Act Capital One Account # XXXX, XXXX & 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 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-07-02
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)

XX/XX/XXXX I notified Experian that XXXX XXXX in the amount of {$850.00} and XXXX XXXX in the amount of {$7600.00}, XXXX  in the amount of {$57.00}, XXXX XXXX in the amount of {$76.00} and XXXX XXXX in the amount of {$180.00} was being reported on to the credit file that they maintain under my social. I have also previously informed Experian that I was a victim of identity theft. Experian fail to investigate this manner as Fair Credit Reporting Act Section 605B describes that they do. These accounts do not belong to me and have not given proper documentation to me validating these accounts nor did they inform me that they were being place anatomy credit file. There are NO CONTRACTS AND nothing bearing my signatures that they can provide so how in the XXXX is Experian validating these accounts. These accounts were open as a result of identity theft and needs to be deleted.
Consumer complaint received 2022-02-11
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. (SC)

XXXX, XXXX, and TransUnion all have me reporting late for 12 months total between XXXX and XXXX for XXXX XXXX. I have attempted on several occasions to have this issue resolved. I have spoken with the creditor and they have confirmed that I have never been late on any of my loan payment accounts and provided me a statement letter with this information and the credit bureaus fail to update the systems with the accurate information. I have several student loan accounts with this company and only one is showing late reporting which is in accurate. I would like to have my report updated accordingly please. Thank you for your assistance.
Consumer complaint received 2022-10-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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
Consumer complaint received 2019-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (PA)

I am a XXXX XXXX XXXX Veteran who receives VA compensation and SSDI benefits. I first learned of a civil default judgment against me by my Homeowners Association ( XXXX XXXX XXXX XXXX ). I was never served or notified of the hearing. However, around XX/XX/XXXX, I realized my bank accounts were frozen and more than $ 50K was held with respect to default judgement. I filed a claim for exemption ( XXXX ) and the hearing was held with Judge XXXX XXXX XXXX on Thursday, XX/XX/XXXX. The Judge ruled that my funds at PNC bank are exempt and that the holds on my accounts be removed. I took a copy of the order to the bank on Friday, XX/XX/XXXX. On Tuesday, XX/XX/XXXX, an order was faxed to XXXX XXXX of PNC Garnishment once again requesting removal of the holds on my accounts. On Wednesday, XX/XX/XXXX, the holds on my account are still in place. In addition, I received my SSDI direct deposit benefit which is also frozen despite the Judges order that the funds be released. 

I want XXXX XXXX and the PNC garnish department to be forced to comply with the Judges order. Anyone can look up the Civil Case ( XXXX ) and it states the Judge ruled the funds are exempt from garnishment on XX/XX/XXXX but, now, nearly a week later funds are still frozen, defying the Judges order.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I paid my statement balance in full in the amount of XXXX and after, Capital one charged me interest in the amount of XXXX. I called and asked them to waive this as it is a fee only balance and they refused. I am asking for this to be waived and my balance to be at XXXX since i paid the balance in full.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

online account access has been changed, Esxperian allowed someone to change my email address this is the 2nd time this has happened and I can not access my account I had a freeze on my account and this still was allowed to happen I could not access my account because the email address had changed I finally got through to a real person on the phone after 2 hours of trying and going through the automated system and getting disconnected when I finally got through to a person and went throught security questions i requested verification that email was in fact corrected, she said she couldnt send me an email I asked to talk to a supervisor and again had to wait on hold for 20 minutes the " supervisor '' who after explaining my situation hung up on me this is MY information they have access to and seem to not care what happens with it I work hard to keep my credit in good standing but it is a constant battle with Experian it seems that I have to constantly check with them again my information is being compromised and they do not seem to care keeps happening and I shoiuld not have to constantly check with them to make sure MY information is safe they have sloppy security practices
Consumer complaint received 2023-06-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-07-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Allied Union Group Inc (AR)

EVENTS SURROUNDING AUTO LOAN PURCHASE XXXX XXXX, XXXX, I signed loan agreement on used XXXX XXXX XXXX ***Before signing I was notified that the XXXX was In a accident but no damage was reported and there were no visible signs of damage at all but a small surface dent on rear bumper. 

I first contacted the dealership XXXX XXXX, XXXX, about the vehicle I got from them. It began having serious issues that made me feel unsafe. The first issue was when accelerating it would begin losing power then jolting repeatedly for a minute or so until it would catch up to itself. I'm no mechanic but I figured there was a issue with the master airflow intake. Next issue appeared right after, which had me really concerned. When i made a turn in the XXXX  it started running rough and i realized the rpms were jumping and a red flashing lightning bolt light appeared on the dash so i parked the XXXX  and turned the vehicle off and re cranked it and it went away. This would happen also when I turned on the XXXX  and sat idling for a minute. 

Reached out again to the dealership XXXX XXXX to get something done. On *XXXX  XXXX I believe I talked to the mechanic for Central Auto sales, set up appointment to get the XXXX checked. Within a day or so I started having doubts the XXXX would make it to the shop located XXXX hours away. 

On XXXX XXXX, my account manager at JP Capital which is the lender of Central Auto Sales, contacted me and I made it clear that I wanted different terms, a different vehicle, or they could just get their vehicle and the deal be done. I was very respectful and responsive, and sent her a video to get a better insight on the situation and for proof that the issue was real. She let me know that someone was coming to get the vehicle but wouldn't tell me if it was a repossession. They came **XXXX  XXXX or XXXX and got the vehicle. I gave them the key that I had and everything that came with it. I let account manager know there is No more damage created but would need to be vacuumed. 

*******************STANDING ISSUE WITH THE AUTO DEALER PURCHASE Central Auto sales lied and sold a vehicle that was damaged past what they disclosed to me. Attempted negotiation within the first 30 days to handle Issues before any payment was ever due. Account manager would not inform me if they were counting the action as repossession. 

******************STANDING ISSUES WITH AUTOLOAN*************** JP Capital says I broke the contract, but the dealership committed fraud which should rescind the contract. Also JP Capital has some concerning mistakes in their paperwork. They notified me by certified mail they were selling my XXXX XXXX XXXX to collect what is owed which is completely not related to or linked to my contract or me.
Consumer complaint received 2019-10-16
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. (OH)

I have contacted Transunion several times about the issue that I have with an account that they are reporting on my credit report. I have been trying to resolve the issue for the last few months. The account had been blocked from my report then later added back. Since then I have submitted letters to Transunion showing the Fair Credit Reporting Act 609 ( a ) stating that all accounts must be verified by federal law showing that all accounts must be verified by physical verification by the original signed consumer contract. As of this point the account has not been verified but remains on my report.
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

As evidenced by the enclosed reporting to the IRS - 1099A - Select Portfolio Servicing stole {$31000.00} in insurance proceeds due me, as the beneficiary, for work I completed to the house PRIOR to them foreclosing on the " property ''. *PROPERTY being the contracts and security futures - separate and distinct from the real property they simply stole ( or believe I gifted to them ). 

Nonetheless, if SPS is able to refute the claim put into the IRS for the {$31000.00} please do so. Otherwise, I wish for the funds to be returned to me within 14 business days time. 

Thank you. 

A formal demand letter has been sent to SPS attorney XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and the XXXX XXXX XXXX  to audit the account.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (OK)

I have a debt reported on my credit report from Convergent Outsourcing. It is for a debt claimed by XXXX. 
On XX/XX/2019 I submitted a request to XXXX to validate the debt in writing or remove the incorrectly reported account from my credit report. 
On XX/XX/2019 they mailed a letter refusing to remove it. They have not provided any proof in writing that the debt is mine. 
I do not owe XXXX anything and request XXXX XXXX to remove it from my report.
Consumer complaint received 2023-08-10
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. (TX)

In accordance to the fair credit report act XXXX  account number : XXXX, XXXX XXXX account number : XXXX XXXX  XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX  account number : deptedXXXX, XXXX XXXX account number : deptedXXXX  XXXX 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 my account without my written Instruction.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX and XXXX Account # XXXX has violated my rights. 


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

XXXX5 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 2019-10-16
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. (NV)

Hello, As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity : that do not belong to me. Please remove this from my credit report immediately as this is poor judgement on my credit worthiness. Please assist me in remove these items from my report.

DEPT OF ED/XXXX Reported : XX/XX/XXXX DEPT OF ED/XXXX Reported : XX/XX/XXXX {$13000.00} US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPARTMENT OF EDU Reported : XX/XX/XXXX {$0.00} Closed US DEPT. OF EDUCATIO Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1400.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$190.00} ETC : Please see attached FTC reports
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

was charged a late fee for payment due on XX/XX/2023 which lands on a Sunday. I promptly paid my balance on XX/XX/2023 on Monday. i reached out by chat to American express and they said they would not reverse the XXXX late fee. but i think its unfair practice to charge late fee on a Sunday. a day that is considered religious for some people.