davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
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: Continental Finance Company, LLC (VA)

I received a credit monitoring alert a little after XXXX EST on XX/XX/XXXX, stating that a lender requested a copy of my credit file. When I logged into my XXXX  and XXXX XXXX  portal, it was clear that Continental Fin Co had in fact pulled my credit without my authorization. I have not applied for any products with this merchant. Furthermore, the address that the consumer provided to XXXX is an address that is over five years old that I have not occupied since XXXX.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

XXXX Is reporting an unverified bankruptcy on my credit report and I have no knowledge of this public record. I have disputed it with XXXX and the 3 credit  bureaus and it came back verified. I wrote a dispute letter to XXXX and I never received a response back from them. Under the FCRA section 609 any unverifiable account or tradeline has to be deleted from the consumer 's credit report. Where are the documents that your company used to verify that you are reporting this alleged public record accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item is being reported accurately.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX Is reporting an unverified bankruptcy on my credit report and I have no knowledge of this public record. I have disputed it with XXXX and the 3 credit bureaus and it came back verified. I wrote a dispute letter to XXXX and I never received a response back from them. Under the FCRA section 609 any unverifiable account or tradeline has to be deleted from the consumer 's credit report. Where are the documents that your company used to verify that you are reporting this alleged public record accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item is being reported accurately.
Consumer complaint received 2019-10-07
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. (UT)

" NEW ISSUE '' Experian and XXXX  XXXX, WY continue to report an account that was opened in my name without my permission. Additionally this was a result of fraud and identify theft. I have disputed this account to be removed. Police report is your responsibility to retrieve and investigate. Continue to report this account is a major violation.
Consumer complaint received 2019-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2019 a representative called my house phone, I wasnt available so my XXXX daughter answered. After my availability was stated the representative was aware that I wasnt available and he continued to speak to my minor daughter. He explained to her that I owe the company money and if the debt wasnt paid I will be going to jail. Unfortunately because I wasnt available I dont know all the details of the conversation. I found out that night when my XXXX XXXX XXXX daughter woke me up crying, asking if I go to jail where will her and her siblings go live, which had confuses me. my daughter explain to me what the representative on the phone said to her, she then told me she took it upon herself to pay the in accurate debt due to her being scared with my debit card. I question my daughter about the payment and she told me that the representative walked her through the payment process. He gave her some type of number. When I noticed the name of the company it had become familiar that I just received something in the mail from them a few weeks prior. Not only they made a XXXX XXXX XXXX pay this account, but the amount was inaccurate. I then asked my daughter why would she make any payment without coming to me first and how much was this debt? She said {$1600.00} I lost my mind. I went to go look for the letter that was sent to me a few weeks back. When I found the letter, Not only it was unacceptable but it was the wrong amount. The representative made her pay {$1600.00} and the man knowing the letter of the debt states {$1300.00}. I have submitted both the letters for {$1300.00} settlement notice and a confirmation of payment of {$1600.00}. I spoke with my children and explain to them that under no circumstances they are allowed to pay anything without my consent since then Ive been getting harassed with letters and phone calls from Chase bank stating I still owe a debt although in the past I had submitted police report of a home invasion showing my information was stolen and missed used. I also told chase and client services, obviously it was someone who I knew or know and who is always in my home, but I couldnt pinpoint who it was because I have multiple people in my home which at this time I did stop everybody from coming to my home, because Im not sure who has done this. i just received a letter in the mail on XX/XX/2019 from XXXX from chase harassing me including calls. i explained although the debt was paid inappropriately by a child, but the debt is paid and to please stop contacting me.
Consumer complaint received 2019-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MI)

I bought I saxophone, last year XXXX. Sort time after I called the company who sold telling them the sax had a defect, the woodwind brass said the only thing they could do is a claim, the guy that helped me said I had to wait for a resolution, sort after I received a another sax I called right way and asked since they sad that one, I would rather get a a better one a pay the difference, they never really asked me to return the item, I looked online and my account t was not saying tor return the broken one, I return the second one they send without open, and purshase a brand new one better, after almost 6 months I was looking at my emails and they were saying that was brought to their attention that I never return the saxophone, i have returned the one they asked me, the broken one they never send me any message saying that I should return, they send me email saying that I should pack and send to them they will send me a label, I told them I did not had any box or anything, I asked several time to send me a prepaid box so I can send back, they never did, now I have a debt collector calling me, first when they send the second saxophone because they never asked me to send the broken one I thought I was suppose to trow away because was not working. 
Anyway the company never asked me to send anything back, and after almost 6 month they want me to return The status under my order says returned
Consumer complaint received 2019-10-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: United Student Loan Assistance Center (TX)

I received a call from United Student Assistance Center. XXXX was the representative and already knew my name and I meant to reach out to see how to qualify for a loan forgiveness program. I went through the process and he proceeded to ask for money after already telling me I qualified for a {$0.00} 240 month payment forgiveness program after making 3 payments of $ XXXX.He strategically used the fact that my debt was {$51000.00} and {$600.00} is nothing compared to that. It made somewhat sense at that time assuming the funds would go toward payments. I managed to give him my card number which I can deactivate at any time I don't even use that account much at all so I wasn't worried about it I start my part time job next week so I used that information I had him push the payment back 3 weeks enough time to investigate and see how legit this was despite him making it seem ok on the phone. After researching a bit I saw they were a real company but they aren't exactly squeaky clean business wise. I have been looking to options directly with the H.E.L.P. team and I plan to pay off these loans by 2025. I do not like scammers I was really trying to explain I was behind on bills and need until XXXX then he said I can reschedule the payment with no issues then after the contract was done he told me about the {$10.00} reschedule fee. He tries to guarantee it wasn't a scam but judging from the research I've done it definitely is.
Consumer complaint received 2023-04-06
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. (VA)

On XX/XX/XXXX, and XX/XX/XXXX, I received an email and letter from the Department of Education. In regards to, Student Loan Discharge Based on Borrower Defense Evidence. The notice from the Department of Education stated, " Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX that first began from XX/XX/XXXX through closure in XX/XX/XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct. You also may receive a refund for prior payments made to the Department on your discharged loan ( s ) related to XXXX XXXX XXXX. Your servicer will let you know if you are eligible for a payment refund, which would be mailed to you. Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. Otherwise, you do not have to take any further action to receive your discharge. Your credit report will also be updated to reflect this discharge when it is complete. '' I have previously disputed with all credit bureaus and the issue has failed to be resolved. I contacted the loan servicer XXXX after receiving written notice and was advised it will be removed in 90 days. This was not resolved.
Consumer complaint received 2019-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

TJ MAXX Credit card, I went ahead and submitted a request regarding charges from an imperfect produce, the charges were all credited, at the time of the request. A new card was issued with new number. Now here we are 3 -4 mos later and the card re charged all the charges to the new card. Added it to my balance. I have not received imperfect produce, other than the introductory 1 box - which I had explained. And because of that they refuse to remove the charges/ when I call the credit company Synchrony they state they are transferring me to another dept and then I get cut off. Assist please
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: PNC Bank N.A. (AL)

Dear Sir/Madam, This is to inform you of a matter which I experienced with PNC in XXXX Al in XXXX. They have reported me to you which I believe there was no wrong doing on my part. On XX/XX/2022, I went to PNC located in XXXX, Al to deposit a check. I proceeded to go to deposit a check I received from working at XXXX XXXX in XXXX Al. I proceeded to go to the counter and he informed me that he needed my driver 's license before I can deposit the check into my account. I asked him if he remembered me because I came the previous day to open the account, and just because I asked him if he remebered he got vey angry and he said he didn't remembered me. He was person who helped me previously to open the account. 
I also asked him if I have to present my driver 's license every time I have to deposit a check and he said he said yes. I gave him by driver 's license and he deposited my check and I left PNC Bank in XXXX AL. ( Shortly after this ) The Next day I received by XXXX from PNC Bank Corportate Office in XXXX PA stating that I acted inapproriately and was disrespectful to the teller and I'm no longer welcome back into PNC Bank in XXXX, Al. they went ahead and closed the account and reported me to XXXX XXXX XXXX  and demanded me to withdraw all my funds immediately from PNC Bank in XXXX, AL which I did. 
I went to several banks to open a checking account and the banks declined my request. PNC reported this incident to XXXX XXXX XXXX. I would like the bad report to erase from my name so I can go to other banks and open my checking account. 
Thank You! 
XXXX XXXX
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I set up an account for my wife with myEquifax to get a free credit report, I made the mistake of enter my own social security number instead of my wife 's. We have contacted them no less than 10 times to fix this. Everytime we log in it is still pulling my report even though they say it shows her social security number. If I hit the personal information tab it shows my social security number not hers. It is unacceptable that the government allows these companies this much power with our personal information without holding them accountable.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The inquiries listed below were not authorized by me. I have attached FTC report for these inquiries that are on my credit file fraudulent. 

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 TransUnion 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 2024-03-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

I was called about a {$400.00} utilities debt that I allegedly owed from a company in Texas. I advised them that I never lived in Texas, not even when I was in the military. I asked for validation proof that shows I signed up for and agreed to these utilities. They could not provide that to me. They provided an incorrect email address as well as an incorrect property address. I advised them that it was fraud. I advised them that I've only had a Florida identification and don't understand how I could be living in Texas while i live with my family in Florida. The company has now reported it to the credit bureau causing my score to drop and potentially lose my job. If this happens I will have no other choice but to pursue legal action for the false report.
Consumer complaint received 2023-04-06
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: NRA Group, LLC (MD)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-10-06
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. (CA)

I contacted TransUnion regarding the delinquent status of the XXXX XXXX XXXX XXXX account. I told TransUnion that the account was not mine. After 30 days TransUnion never personally contacted me but instead submitted this statement on my credit report. 



Balance {$140.00} Highest Balance {$140.00} Opened XX/XX/2016 ( 3 yrs, 1 mo )  Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX TransUnion is in violation of Section 603 of the FCRA. They could not have verified the account because I never signed nor did I agree to have service somewhere that I never lived.

Therefore, I want TransUnion to remove this debt immediately or I will see them in Federal Court.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

In XXXX of XX/XX/2017, I was applying for a mortgage with XXXX XXXX XXXX for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from XXXX XXXX would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from XXXX XXXX is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. 

XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX XXXX - XX/XX/2017 Equifax Mortgage Services - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX
Consumer complaint received 2023-04-06
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. (GA)

There is a collection showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts on my credit report.
Consumer complaint received 2019-04-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

Chase bank charged over {$3000.00} in Corporate Advance fees to maintain the property in XX/XX/XXXX and XX/XX/2018. There were fees were for " mold removal on siding ''. I called Chase and requested a receipt showing that the company that removed the staining was Mold Certified in the State of Texas ; they were not able to provide any information. The itemized bill states Mold Removal, but I do believe only Mold Certified companies are able to identify mold. 
We brought the mortgage up to date in XX/XX/2018, They also paid over {$1000.00} for vine removal. We were going to clean up the house, we just had health issues to deal with. We made a large payment in early XX/XX/XXXX to bring the mortgage up to speed and they claim to have change the locks in XX/XX/XXXX.
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

all 3 credit bureaus are reporting a public record on my credit that I have no knowledge of and I haven't given no one including third party companies written permission to obtain any information on me and no judicial system releases information to second or third parties because its illegal and I can sue them.
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

all 3 credit bureaus are reporting a public record on my credit that I have no knowledge of and I haven't given no one including third party companies written permission to obtain any information on me and no judicial system releases  information to second or third parties because its illegal and I can sue them.