davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Services Group, Inc. d/b/a ConServe (VA)

This company contact on several occasions speaking about a debt I owed to a college. I told the supervisor that I never received any letter from the school stating I owe them. I told them that I didnt owe the school and I was disputing it. They sent several letters to my home, calling me asking me how I want to settle the account. I spoke to as supervisor XX/XX/XXXX, told them that I didnt owe this amount and the college stated that they could not speak to me about this account. She told me she couldnt help me with this account other to take payment. I told her to not call me again about this account since no one can explain this debt cause I didnt attend no school Summer 2018. On XX/XX/XXXX, they called me again, left message since I declined the call. On XX/XX/XXXX, they called me multiple times when I answered the phone, it was the same thing, how was I going to settle this account. I told the agent that they wasnt supposed to contact me, she placed me on hold and a supervisor came to the phone. I told the supervisor that I dont owe this money because student loans was paid out for when I was attending. I didnt attending school during that time and there was nothing to talk about. I told her that I had requested they dont contact me the last time they call, she told me they not going away. I told her I would hire a lawyer if this continues. At XXXX XXXX, I received another call after hanging up with the supervisor, asking how I was going to settle this account. They are disrespecting my privacy and request. Since no one has an answer to this debt but assumptions, I still state that I dont owe this amount. They have filed it on my credit repair before they contacted me about this account which is wrong since I never was notified of this debt from Conserve or XXXX University beforehand. They received my information by credit report since this is an unpublished number. Complete Violation.
Consumer complaint received 2019-07-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have student loan under my name and cosigner, with XXXX since XXXX which is a Federal student loan service provider and does not service Federal student loans. It only provides service for private educational loans. I was making auto debit payment option that offers me the peace of mind that comes with knowing my loan payments are being made accurately and on time. In XX/XX/XXXX, I notice my credit score drop by over 100+ point, and found out that it was missing of few payment on my loan and, I then contact XXXX for more explanation. I was told that my cosigner file Bankruptcy, because of that they did not take my auto debit payment, they just report to all credit bureaus with out my knowledge. XXXX did not send me letter or email or get no single call. They did said they will try to fix the situation, by this time damage was done. I was on process of buying house to my family, and I get deny because of this. Somehow it have been fix but it was too late. And then they did it again on XX/XX/XXXX with same unfair reason. My credit score drop by huge number again. I was told that I am not able to sign for auto debit payment no more and XXXX can not contact me or send me reminder for payment, I had to remember every month to call and make payment because the status of the loan is bankruptcy. why me? I am human I could forget payment, and XXXX did send reminder to every customer who are late from their payment but not me. I am the one who took the loan and I never say I would not pay. I only own {$290.00} from XXXX total. Its not fair for my family going through all this and pay all this price just because my old cosigner file bankruptcy. I am still paying but all I asking them that to fix the situation which they told me not this time. This matter affect my XXXX little kids life and my whole family. its cost me a lots to fix their first mistake and now back to problem. They are so fast to report late payment without one single attempt to contact me is affecting so many life.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (WV)

On Saturday, XX/XX/2019, I was trying to look at a picture of a rental home when I was immediately contacted by some Rent-to-Own company. She eventually said I was going to have to fix my credit and they could help me. I was completely unaware when she suddenly contacted a Credit Repairing company called Lexington Law. She got me hook, line and sinker on board with hiring them to help me fix my-and then also my husband's-credit. We did not expect it to be a scam or anything until I read your info earlier about how to detect the fraudulent ones, but now I'm convinced. First things first before she did anything I was informed I was going to have to pay {$14.00} for each of us on that day, immediately after telling me about the monthly fee we would be charged but " don't worry, you don't have to pay anything today ''. So I paid for mine but then when I realized I would have to do the same for hubby I attempted to stop it. I told her I did not want her running my card again because I didn't have the funds. She proceeded to say " Well I'll just run the card today and if it didn't go through it wouldn't be taken for 11 days. Confused as I was I repeated " Ma'am, I don't want you to run it again right now, can we just hold off and I'll call you later to pay it when I have it? '' She just continued to ignore me and repeated the same thing she said before. Finally, I guess to knock me even lower, she tells me that {$140.00} ( or somewhere around that ) would be debited from my account 5 days later. So tonight, when I read your warnings about being federally prohibited from requesting money right off the bat, I began this complaint. Furthermore, when I tried to set up my account, I was completely dumbfounded to only see my husband 's credit report details. Mine is nowhere to be found, when I paid for mine first, before I even added him to the whole thing. In fact, mine is the only one I paid for because I gave her a different card with no money on it. It makes absolutely no sense, except I fully understand that I got screwed.
Consumer complaint received 2019-07-11
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: Experian Information Solutions Inc. (CA)

To Whom it may concern : On Tuesday XX/XX/XXXX, I appeared in court on this matter and it has been set for trial for XX/XX/XXXX. This is almost a year from now and I do believe I have given XXXX   XXXX  plenty of time to provide me with the information I have requested to validate this debt they claim I owe. Not to mention if there intent was to ask for a continuance on this matter which would have only lengthened this issue even further. Since this matter has been set for trial, and they have yet to provide me with any other than billing statements, I should no longer have to carry the burden of this damaging information on my credit report. Unless they can show proof or provide me with anything else this should be removed immediately by the collector and if they fail to do so then the reporting agency should be notified and have action taken against them as well, I hope we can begin this process immediately.
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (FL)

XXXX XXXX # XXXX ( XXXX ) XXXX IS REPORTING THIS BUSINESS BELOW, AS A COLLECTION ON CREDIT REPORT THIS IS DUE TO IDENTITY THEFT PLEASE REMOVE OFF MY CREDIT REPORT BUSINESS THAT'S REPORTING A FRAUD ACCOUNT ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE OFF MY CREDIT REPORT.
Consumer complaint received 2023-03-24
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. (MN)

The following credit inquiries listed on my Equifax credit report is fraudulent and not my credit inquiries : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. The public record of bankruptcy chapter XXXX currently listed on my Equifax credit report has been deleted and removed from my XXXX XXXX and XXXX credit report. XXXX XXXX and XXXX deleted and removed the public record of bankruptcy from my credit report because the public record is not my public record.
Consumer complaint received 2023-03-24
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. (NC)

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 2019-07-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

transunion not letting me see my credit report b/c of my ftc violation i set up monitoring service that i'm not able to see my credit FCRA violation. XXXX and Transunion has not let me monitor my accounts onlines
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (FL)

XXXX XXXX # XXXX ( XXXX ) XXXX IS REPORTING THIS BUSINESS BELOW, AS A COLLECTION ON CREDIT REPORT THIS IS DUE TO IDENTITY THEFT PLEASE REMOVE OFF MY CREDIT REPORT BUSINESS THAT'S REPORTING A FRAUD ACCOUNT ON MY CREDIT REPORT XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE OFF MY CREDIT REPORT.
Consumer complaint received 2021-06-15
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: T.S. Holdings (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (IL)

I have reviewed my credit report and notice that there are accounts on my report that is not mine and not associated to me. I would like for the following reports that are not my accounts to be removed immediately ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-02
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: EQUIFAX, INC. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-08-03
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. (AR)

.I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXXXXXX {$2100.00}
Consumer complaint received 2021-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Back & forth miscommunication is still happening to-date with Chase Wire Team & Chase in general. No one at Chase has ever told me via phone, e-mail or Chase Secure Messaging that any of my wired funds were " no longer available, '' and the XXXX XXXX XXXX attempt regarding XXXX XXXX  still have no updates on how to move forward or if any new communication has been found ; No Hold Harmless Letter has been requested to my knowledge which is the only transaction that's still in limbo at XXXX XXXX  for {$5600.00} USD. 

After my own investigation, XXXX XXXX  notified me themselves that a Hold Harmless Letter was needed from me to process the international funds yet Chase never informed me of this, yet two Hold Harmless Letters were notarized & sent via Chase Banker to XXXX XXXX  on XXXX ; XXXX XXXX  notified me that they've told XXXX that a HH Letter was needed. What's the status of receiving my two  HH letters at XXXX XXXX  for {$6000.00} & {$4200.00} USD? Chase still can't give me any answers & I've been trying to get answers not only from Chase Secure Messaging ( all messages saved ), as well as e-mailing & calling the Chase Executive Team and e-mailing XXXX per instructions from Chase for XXXX XXXX XXXX XXXX updates. No updates have been given to me still to-date! 

One notarized Hold Harmless Letter was sent to XXXX  XXXX XXXX on XXXX via Chase Banker as requested by XXXX  XXXX XXXX for {$3400.00} USD. Still to-date, XXXX  XXXX XXXX is responding to me directly from their Secure Messaging, stating that a Higher Up or VP at Chase needs to sign off on my HH Letter. Chase has also told me over the phone that I would need to forward my Hold Harmless Letter to XXXX  XXXX XXXX a second time, in which I've done so to their HH Mitigation Team, yet XXXX  XXXX XXXX is telling me that it needs to come directly from Chase & that I was misinformed by Chase. What's the status - has XXXX  XXXX XXXX received my first HH letter sent directly from Chase for processing? 

XXXX XXXX  responded via CFPB complaint that " Debit Authorization was needed from their client - unauthorized third-party '' regarding the stolen {$2600.00} USD & would need authorization from me to move forward with processing Chase 's Swift Wire Recall. A notarized Hold Harmless Letter was sent to XXXX XXXX  via Chase Banker on XXXX - what is the status of this transaction & receipt of my Hold Harmless Letter being accepted?
Consumer complaint received 2024-02-12
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. (NJ)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 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 2022-10-14
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. (NY)

In accordance with the fair credit reporting act XXXX account # XXXX, has violate my rights. 
15 USC 1681 section602 states I have the right to privacy.

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

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit, Inc (NJ)

I am in total disagreement with my final bill of {$1700.00} calculated by VW credit bank regarding my XXXX XXXX XXXX First, all 36 payments stipulated in the contract were made including XXXX, XXXX and XX/XX/XXXX which are now billed as deferred payments. 
I returned the car one month before scheduled XX/XX/XXXX and I leased a new XXXX XXXX on XX/XX/XXXX. 
I was even told on the phone that I had a credit for {$580.00} that it will be sent in a bank check by mail. In a XXXX telephone call a customer representative revised and change return date from end of XXXX to end of XXXX, Based on this information I went ahead with a new lease signed on XX/XX/XXXX. No remainder payment was due on that date. 
Today XX/XX/XXXX a final bill indicates 3 deferred payments already been paid in XXXX and XXXX ( made together on XX/XX/XXXX ) and XXXX ( made on XX/XX/XXXX ). 
Finally, I am also aware that I was charged on XX/XX/XXXX {$350.00} ( fees? ) I would appreciate a revision and explanation of final payment. 
Thank you
Consumer complaint received 2022-12-01
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and discarded from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-23
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. (CO)

I went to a car dealership and was told XXXX would run my credit to see if I qualified for their financing, but when I checked my credit report it showed a whole lot of hard inquiries that I did not approve. The list is as follows : 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 XXXXt 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 2021-02-17
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: SYNCHRONY FINANCIAL (OH)

On XX/XX/XXXX, SYNCB/AMAZON add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorizati on Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-09-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2019 ( approximately ), I mailed my monthly payment check to USAA Bank on my USAA RV Loan. I mailed a personal check on time for the payment amount of {$180.00}. Unfortunately, the monthly payment was actually {$180.00}. Therefore, I inadvertently wrote my payment check to USAA for XXXX cents short. As soon as USAA notified me of my error via mail, I immediately wrote and mailed a check to them for " XXXX cents ''. During this incident, I was going through a home refi loan. I was soon thereafter informed by my loan broker that USAA issued me a 30 day late on my account to the credit reporting agencies ; due to my XXXX cent error. When I telephoned USAA regarding the issue, I was informed to write an explanation/defense letter regarding the incident and they would conduct an internal review of the incident, in order to determine if their credit damaging action was valid. In one later response, USAA notified me that their final decision regarding my explanation/ defense was deemed " frivolous '' and that the 30 day late that USAA issued to me to the credit reporting agencies was valid. ( Ironically, USAA Bank didn't view their aggressive credit ruining actions regarding my minor XXXX cent error as frivolous ). Since that time, due to my frustration with USAA Bank 's unprofessional action against my credit history, I have recently sent a loan payoff check to USAA, so that I can close my RV loanand eventually end all customer banking services with USAA in the future.