davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In 2019, I took a certification course by a company called XXXX. This certification was aimed to help advance my career. In 2019, I signed an agreement with XXXX  stating that if I met all requirements then they will waive the tuition fee ; this is also known as their " XXXX XXXX ''. 

After meeting and completing the requirements XXXX had set forth, they broke the promise and still said I owed them the tuition fee, which is about {$9300.00}. There were a lot of back and forth emails between XXXX and me regarding the tuition fee. They kept deflecting the argument and coming up with multiple excuses that I owe this money. 

XXXX XXXX, XXXX and University XXXX XXXX ( XXXX ) are two companies that Springboard uses to get anyone who signs up for the certification course to get a loan from them. I told XXXX and UAS that I dispute the loan and told them clearly over email that I do not owe this loan. My lawyer wrote them emails that I dispute this loan. 

Despite telling XXXX XXXX XXXX XXXX in written and verbal communication that I do not owe this loan and that I am disputing this loan, they ignored it and just kept twisting my arm that I must pay no questions. They are reporting it to the credit bureau, which I do not understand how that is fair. If I dispute a loan, then why am I required to keep paying when I do not owe this money. If I dispute a loan, then it goes on hold until a resolution is found. I find myself to be in a growingly difficult situation because they are reporting this to the credit reporting bureaus and tanking my credit score. I am currently in the process of finding a new home and having this on my credit report is making it difficult for me to get great mortgage approval rates. 

Can you help with my situation, please?
Consumer complaint received 2021-11-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO. (DC)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open/end credit plan was denied my right of credit by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES. INC. d/b/a CHASE on November 12, 2021 via telephone and email. I reached out to a representative who told me exactly why I was denied. When trying to speak with a manager she was very rude and got silent when I stated my case. After saying hello several times and being on hold for and hour she disconnected the call.

According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { S5000.00 }. J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE is now civilly liable to pay me for the damages.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I first noticed this problem when Capital One didnt update my credit report in time to reflect that my credit card is showing a XXXX balance & now Im seeing that theyve also added a remark to my XXXX report which has lowered my credit score XXXX points. My credit score cant increase due to how theyre reporting on it
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I've been repairing and monitoring my credit reports for about the last 2 years. I noticed in XXXX that my score with Experian is about XXXX points different from the other reporting agencies. I waited until XX/XX/XXXX to see the new report and it remained the same so I reached out to Experian to no avail. Their phone service was unable to help me. I even chatted with someone who told me that someone will be getting back to me and no one did. Now when I try catting It doesn't work for me. I would like to know why the disparity of Experian and the other reporting agencies. I'm in the home buying process and feel that this will affect that process so this is very important to me. TY!
Consumer complaint received 2019-07-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Loan company applied an escrow account for back taxes but the taxes had been paid in XX/XX/XXXX. They them raised my loan payment by {$1100.00} per month. Said loan company was refunded the overpayment of {$7400.00} in XX/XX/XXXX according to the County of XXXX XXXX. This refund was never applied to my account but the refund was verified being received by their tax department. I called the company several times and the amount was of the refund was supposed to be applied to my account. This was never done by their representative XXXX in customer relations. I now owe a {$12000.00} in erroneous charges because they didn't remove the escrow account until XX/XX/XXXX. I  have called this company several time to talk to XXXX but am told that he can not receive incoming calls but they will email him the message and of course he never calls back.
Consumer complaint received 2021-11-14
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: Experian Information Solutions Inc. (IL)

In XXXX of 2021, I sent an identity theft affidavit and police report to Experian regarding my identity being used without my authorization. Experian removed accounts off of my credit file regarding the issue and then a few days later placed the same accounts back on my Experian credit profile. Being I sent an affidavit with no response, that affidavit stands as truth in commerce. The accounts that I reported not only need to be deleted, but also need to remain off of my Experian credit profile. Experian is also violating the FCRA by not getting back to me regarding the outcome within 30 days.
Consumer complaint received 2019-08-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I sent in a letter to XXXX XXXX XXXX XXXX aka XXXX  XXXX XXXX XXXX Date Opened XX/XX/2017 Balance Date Past Reported Due Status PAYS AS AGREED Credit Limit {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX 1XX/XX/2017 Balance Date Past Reported Due {$900.00} I sent a letter to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and I have not received a response back. I tried calling and was told to go into a location. I advised them that I never lived in Nevada and could not come to the location. I filed a report with Equifax which as resulted they stated the account was remove but when I checked my Equifax report it is still showing. I was a victim of identity theft and my identification and ssn card was stolen and had to be replaced. I need this investigated immediately and removed from the crefit report.
Consumer complaint received 2022-05-20
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. (OH)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$670.00}
Consumer complaint received 2022-05-20
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. (OH)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00XXXX XXXX XXXX  XXXX Balance : {$670.00}
Consumer complaint received 2022-05-20
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. (AR)

Account # XXXXXXXX XXXX XXXX and Inquires from XXXX  XXXX and XXXX XXXX is incorrect and unauthorized accounts on my credit report. Id like a full investigation on these accounts and ask for an original copy of an agreement with my signature on each account, Thanks.
Consumer complaint received 2019-07-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Home Loan Center, Inc. (NV)

We applied for a loan with lending tree on Wed XX/XX/XXXX within two min we got a call from loan officer XXXX XXXX told us we were approved for a {$5000.00} loan thro XXXX XXXX XXXX and that they required 5 % ( {$250.00} ) security deposits because our credit score was under 700. We called XXXX XXXX and they knew nothing of this. When asked why XXXX didnt know he answer us wither deal with its investors not the branch. We followed the directions borrowed the {$250.00} from my mother and sent the {$250.00} and within 5 min we got an email forwarded from XXXX fromNV department of finance saying we had to pay another {$320.00} + {$8.00} stamp fee in fees to the state of NV, well I called the state finance department and that is when we learned we had been scammed. We have reported them to IC3, Interpol, XXXX, and the real lending tree. We want our money back ASAP, they wont answer or return calls or emails and now today Monday the XXXX their phone number is disconnected. I have all their info.
Consumer complaint received 2015-12-23
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Company (PA)

I 've always had medical insurance and XXXX bills are showing up on my credit score. When I called to pay off a settlement agreement from XXXX $ to XXXX XXXX I called to pay it because it was due by the XXXX of XXXX 2015. I was having issues with my health insurance and being billed for things after my original copay. When I talked to the representative for conemaugh he told me that the insurance must have been set straight because I had a XXXX balance. Well I called XXXX in XXXX they said it was put into collections. So the office that billed me said it was paid and not put into collections but collection 's says they have it. I was trying to pay the XXXX $ and just found I 'll this out. Plus several other medical bills in collections. Some I probably owe but others like the previous XXXX I had insurance with. I would appreciate help in this matter since it is affecting my credit score. I can communicate by email some or text or by phone would be best. My email address is XXXXXXXXXXXX or XXXXXXXXXXXX. my name is XXXX XXXX and my phone number is XXXX. Can you please contact me?
Consumer complaint received 2021-07-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've tried numerous times to have the creditor Police and XXXX XXXX XXXX XXXX to remove a inaccurately missed payment from XX/XX/2019. I never missed a payment and was told to contact the bureaus to fix and it's still not fixed. This is causing harm to my credit reports and preventing me to be qualified loans and causing tremendous stress. So since no one is fixing this problem I'm submitting a complaint. This is not fair that they messed up and I have to suffer because of their mistake.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am writing you in regards to an account that I have been trying to get information to validate that I am responsible for this account with portfolio Recovery. I sent my first request to them on XX/XX/2121. They have not yet sent the information I requested. I sent a request to cease and desist reporting this invalidated information to the three major credit unions on the XXXX of XXXX. They have failed to respond with the information I requested from them and have not removed these negative marks from my credit reports. They have denied me the right to investigate the accusation that I am legally liable for this debt. I have enclosed a copy of my original request. I thank you very much for your time and assistance. 

Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Disputed the amount of HOA ( home owner association ) fees. When amount is in dispute or not correct, homeowner is not required to make payment on disputed amount. HOA egregiously reported amount in dispute to credit bureau as late payment. Once account was reconciled, bill was immediately paid, however HOA and credit bureaus have been negligent in removing late payment from credit reports.
Consumer complaint received 2021-07-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

GOOD DAY, I AM CONCERNED ABOUT A SPECIFIC NEGATIVE ITEMS THAT IS CURRENTLY REFLECTING ON MY CREDIT REPORT BY THE NAME OF XXXX XXXX. THERE IS NO WAY ON EARTH THAT I AM LIABLE FOR SUCH DEROGATORY INFORMATION. ESPECIALLY WHEN I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO REMOVE SUCH INFORMATION OFF OF MY CREDIT REPORT BECAUSE IT IT INACCURATE AND VERY INCOMPLETE. I HAVE EVERY RIGHT AS A CONSUMER PER THE FCRA TO DISPUTE ANY INFORMATION I FEEL IS HINDERING MY CREDIT OVERALL. THE XXXX XXXX  ACCOUNT WAS REMOVED OFF OF XXXX, YET NOTHING WAS RESOLVED ON XXXX. PLEASE HELP ME RESOLVE THIS MATTER IMMEDIATELY. I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTION IN THIS CASE. I'D GREATLY APPRECIATE IT.
Consumer complaint received 2021-11-14
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: Affirm Holdings, Inc (NY)

While doing online banking on my capital one account I saw alerts of a delinquent account from a credit bureau company. Further research showed that a company name AFFIRM had a loan in my name of approximatelyXX/XX/XXXXdollars ( could be more ) that I did not apply for and knew nothing about in delinquency status and had reported it to the XX/XX/XXXX credit bureau.. 
I called affirm to report this, I made an official complaint with them. The confirmation number for this complaint is XXXX. 
So someone had used my personal information to apply for a loan from this company. At no time did I receive any information from affirm regarding this loan or default of a loan. I found out about this through checking on my credit updates.
Consumer complaint received 2021-11-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CT)

I have a car loan with Ally, I have not been able to check my balance on their website for XXXX weeks. I called Ally many times and they told me its because I almost finish paying the loan. 
Thats not a reason to block me from checking my actual balance and amount of interest on my account. 
It takes a lot of time to speak with someone at Ally and at this moment do not know any information on my loan. 
Every time I have the chance to speak with customer service they request me to make a payment with out telling me how much is for the actual Loan and how much is for interest and late fees. 
When I know for a fact that I can pay interests at the of the loan. 
Thats misleading of information, they should not omit giving the proper information. 
And I still have no information about a previous complaint that I submitted on XX/XX/XXXX with Ally.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2021-11-14
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. (TN)

I have several inquires listed on my credit report that I don't know anything about. I just noticed when I accessed my credit report. This was not done by me. I have explained this several times. Please delete this fraud information.
Consumer complaint received 2022-05-20
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. (IL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 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 2022-05-20
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. (OH)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX