davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (WA)

Filed dispute on XX/XX/20 due to the wrong amount showing on my credit report. I was able to get old bank statements that shows i made 6 payments of {$31.00}. My contract was for a total amount of {$800.00}. If you subtract what i paid i only owe {$620.00}. After my dispute they now say i owe them {$930.00}. I sent them the bank statements showing the payments I made. The companies involved are Aargon Agency which is representing the XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-04-12
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. (VA)

I am a victim of the Transunion inquiry issue and their customer service would not help and take care of the negative inquiries reporting to my credit report. They are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Transunion 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 I am requesting that these inquires be removed due to Transunion 's negligence. 

Thank you XXXX XXXX
Consumer complaint received 2023-04-10
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. (MA)

In accordance with fair credit reporting act. The list of accounts below has violated my federal protected consumer privacy and confidentiality under 15 US 1681. 
XXXX XXXX XXXX acct # XXXX, XXXX Acct # XXXX XXXX acct # XXXX XXXX acct # XXXX 15 U.S.C 1681 section602 A states I have the right to privacy 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an 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 2021-10-23
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: EQUIFAX, INC. (NY)

Since XX/XX/XXXX I send out several letters regarding inaccurate and unknown items on my credit report, send out a Federal Trade Commission report to Equifax reporting agencies. Till today XX/XX/XXXX this problem has not been resolved. I feel like the reporting agency Equifax is taken advantage of ME and ignored my disputes. I demand these accounts be deleted from my credit report or I will file for litigation due to the stress Equifax has caused me.
Consumer complaint received 2021-10-23
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. (VA)

I have tried disputing inaccuracies on my personal credit report via mail and phone. I have not been responded to. Anytime I reach out via phone, Im asked to identify myself but given very vague questions, not multiple choice, and fail the identity verification. Ive sent in my ID and social security card. I spoke with XXXX at Equifax agent ID is XXXX, whom I asked for help but was unwilling to assist, XXXX also could not assist me. No other manager was available. I have tried to access and dispute this information without success from Equifax. 

I have asked how do I know that the agent is typing the correct answers I give into the computer correctly? Its very hard to understand them in XXXX. This has been a complete disregard for assistance in correcting my personal information.
Consumer complaint received 2020-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I MOVED TO XXXX  ON XX/XX/XXXX.I HAD BEEN WORKING IN XXXX XXXX  FROM XX/XX/XXXX THUR XX/XX/XXXX. MY NEW POSITION STARTED ON XX/XX/XXXX AND I WAS LAID OFF ON XX/XX/XXXX BECAUSE OF THE COVID. I APPLIED FOR UNEMPLOYMENT FROM XXXX  ON XX/XX/XXXX, I WAS APPROVED ON XX/XX/XXXX. I DID NOT RECIEVE ANY PAYMENTS UNTIL XX/XX/XXXX, AND THEN I RECIEVED MULTIPLE ACH DEPOSITS TO MY CHASE ACCOUNT BECAUSE OF THE TIME LAG. 

ON XX/XX/XXXX CHASE BANK FROZE MY ACCOUNT AND DEBIT CARD. ON XX/XX/XXXX I CALLLED CHASE AND WAS INFORMED THEY WERE CLOSING THE ACCOUNTAND I WOULD RECIEVE A CHECK IN 7 TO 10 BUSINESS DAYS. 
SINCE THEN I HAVE SPENT HOURS ON HOLD WITH CHASE, MET WITH MY CHASE BRANCH MANAGERS 3 TIMES AND TURNED OVER DOCUMENTATION TO THEM FROM THE STATE OF XXXX. MY ACCOUNT WAS OFFICIALLY CLOSED ON XX/XX/XXXX. I HAVE BEEN IN CONTACT WITH XXXX FROM THE EVECUTIVE OFFICES AND HE STILL ISN'T ABLE TO TELL ME WHEN I WILL RECEIVE MY FUNDS.AS OF XX/XX/XXXX. 

THE AMOUNT OWED IS {$7000.00}. I MADE A DEPOSIT OF $ XXXX.FROM A FAMILY MEMBER THAT CLEARED ON XX/XX/XXXX AND ANOTHER DEPOSIT OF {$3900.00}. THAT WAS A BANK CHECK FROM XXXX  XXXX XXXX  IN THE SAME WEEK. 
THIS ACTION BY BY CHASE HAS CAUSED ME TO BE BEHIND 2 MONTHS ON RENT, CAR PAYEMENTS, LATE CHARGES, ADDITIONAL INTEREST ETC AND EMBARESSMENT AND STRESS. 
.
Consumer complaint received 2020-07-25
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: Nelnet, Inc. (GA)

Since XX/XX/2020 I have been trying to dispute and get late payments from my Great Lakes student loan. They reported wrong and inaccurate information on my student loan that have been closed and transferred. I want this information to be investigated and removed since the account have been closed and transferred to XXXX. The account is closed and have been transferred but it still showing on my credit report. I have wrote several letters to help me remove it but get denied
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

Please accept this narrow and specific Qualified Written Request under 12 CFR 1024.36 for a copy of the life of the account accounting and life of the account escrow accounting for the following two account / trade lines, 1 ) XXXX and 2 ) XXXX. Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (TX)

My criminal record for XXXX XXXX has been expunged since XX/XX/2018. Louisiana issued a Certificate of Compliance. for one XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Update your records because background check companies are still reporting I have a record.
Consumer complaint received 2023-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I Mr cooper in XXXX to cancel my escrow. The employee I spoke to said they had " processed my request and escrow would be cancelled in about 2 weeks. '' In the meantime i payed the principal amount for XXXX expecting escrow to be removed. XXXX comes around and the application says i still owe for XXXX and owe the full amount with escrow included for XXXX so I called again to cancel escrow. The person I spoke to this time told me nothing was ever processed for me, nor was the process even started by the employee i spoke to. I was then made to pay the remainder of XXXX and the entirety of XXXX just to process the application to cancel escrow which should have been processed in XXXX. I made these payments and we processed the escrow request. I was told that I did not need to pay XXXX until escrow had been canceled and that we could back-date the payment so I waited to hear escrow was cancelled. I heard it had been cancelled and that my check would be sent to me around XX/XX/XXXX by an employee initialled XXXX who was a supervisor. This was at a time that my account was cucrrent and no overdue payments at the time. No escrow check was ever sent to me. Instead the institution took it upon themselves to use my money that was no longer escrow without so much as speaking to me let alone getting my consent. The justification the company used was that my account was delinquent which is fundamentally not true. and the only reason it got to that point was because I was waiting for the check they told me would be sent to me that they withheld because i had not made the monethly payment BEFORE it was past due. I never authorized this company to use my money in any way, and again this is money from an old escrow account that had been closed in which this company had no permission to use.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (MD)

There was a false eviction on my credit report back on XX/XX/XXXX with a zero dollar balance. I was never evicted in fact I am still currently living here as of XX/XX/XXXX. I am trying to move but this is hindering me from doing so.
Consumer complaint received 2024-03-01
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX, Name : XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. However, they stated everything was complete and accurate. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-06-15
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXXXXXX 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 602 ( a ) Section 2, it states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I purchased a XXXX XXXX Security Camera On XXXX  on XX/XX/2020 from a XXXX XXXX through XXXX using a American Express credit card. Upon placing the order, the merchandise said it was delivered within one minute of placing and a tracking number was issued with USPS. The tracking never updated and suddenly a week and a half later, it said it was delivered at XXXX, the mail doesn't come at that hour at all. I went to go check the mail and there was no package there. I waited a few days because maybe it was late as XXXX told me to and it never arrived. I contacted the merchant and asked about the tracking and what it said but the merchant never responded to any messages. I also have the documents showing that the merchant ignored my messages. I contacted XXXX and they also ignored me and spent months investigating with an outcome that it was delivered. I contacted USPS and they opened an investigation and said they had no record of any package. I also have all the documents showing this. I started a dispute with American Express and I submitted all the evidence to them and they continue to try to bill me for the amount of {$170.00} even though I never received the camera. They continue to side with a merchant who ignores my messages, deleted their XXXX account and is trying to scam me into paying something I never received. This is the 4th time I am disputing with them.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Received formal documentation from the court house. The documentation stated it does not public share information with any reporting credit agencies. The investagation results from transunion, stated they received this information from the court house. In my re-investigation letter I asked them for a copy of the proof of how the verified this information. They have not provided me a copy of the proof.
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FC HoldCo LLC (CA)

INQUIRES : A credit report of inquires that do not belong to me CREDIT IN THE CREDIT BUREAUS : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLAGSHIP CREDIT XXXX
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

On Monday, XX/XX/2019 ; I was offered to enroll with XXXX XXXX in order to fix my credit. I agree to enroll and take advantage of their services to help me improve my credit. That same Monday night, I sign up. They indicated I can have a 50 % off when I sign up a friend or family member, I decided to sign up my wife as well. I notice they place my wife on the wrong plan and called again wanting to correct the issue ; they stated the problem was fixed. 

On Saturday, XX/XX/2019 I noticed in my bank account that XXXX XXXX had charge me {$20.00} dollars extra incorrectly. When I called to dispute they stated the department who handle the issue was close on weekends which it was never explained to us before and only gave us the solution to call on Monday morning. 

On MondayXX/XX/2019 ; I tried to call XXXXXXXX XXXX and just canceled the service overall and they told me I can be cancel, but I won't be to get a refund because it was 5 days after I'm requesting the cancellation. When I sign up it was told to me that I can cancel any time but was never mention that I would get a refund. Also ; I felt cheated because it may it seem like they process the payment incorrectly on Saturday XX/XX/2019 and not on Friday, like they knew if it was charge on Saturday I won't have a chance to claim my refund if I cancel the following week. The only thing it was told I was going to get refund was the {$20.00} dollars which is unfair if we cancel and never use the service more than 5 days.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

Today I write the FCPB due to the malice and misconduct that I've had to endure within my genuinely-approached encounter in having disputed the inaccurate information that remains on my impact-holding credit report, for which I have furnished and provided evidence against. 

It seems unbelievable to have engaged a scenario, where I encountered invalid, inaccurate, and false information on my credit report, and proceeded in a proper manner to take the justified measures to have it resolved ; contacting the Credit Bureau, with direct, clear, insightful evidence that proves the inaccuracy and falsehood that lives on my credit account. In my reality, what is to be unbelievable, is how this case, where I discovered and disputed information that was found to be damaging, with evidence against it, received a response from this said giant, this corporation, that delivered their stance at the disregard of the evidence that invalidated the inaccurate fields that they hosted on my account and its invalid account standing. The official response was to proceed in up hosting and upkeeping the false, harmful, and inaccurate data that the evidence clarified discrepancy against. At this response, it was where all sense of voice, protection, righteousness, safety, and foundation that I believed a human held, and I as a genuine victim, held, was removed. 

Its conclusion is one that is still affecting me today, internally. It is one that made me experience a sense of reality that held no righteousness, honesty, truth, morality, or level of safety. Encountering a corporation that nefariously felt too large to go against, yet, in an infrastructure that my heart knew to be democratic and American. 

Having endured this is where I write you : Consumer Finance Protection Bureau. 

The information that is being disputed as inaccurate is highlighted and organized in the evidence and document attached below. 

XXXX : The 'High Balance ' in my account negatively, and falsely, shows {$500.00}. The evidence shows this account to have never reached a balance anywhere near {$500.00}, never exceeding XXXX {$210.00}. This being only one of the numeral inaccurate information that lives on the account, it shows just how large of an impact an inaccurate report can have on you. With this, and to those who are aware, it expresses the extent and the harshness of how this one inaccuracy, this one false field, can negatively impact a person and their credit profile, in manners that are damaging and detrimental. A credit file that reaches or exceeds the limit set on their credit account receives heavy, and long-standing penalty as a result of this.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX is reporting a debt on my credit file that I do not owe. I refinanced this account back in 2016 to XXXX XXXX. They are reporting a past due balance along with lates. I was never late on this account. XXXX  XXXX  is in violation of FCRA. and needs to report correctly.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (FL)

Hi there On XX/XX/XXXX an inquiry from XXXX XXXX XXXX ) show on my credit report ( Experian ) that i did not authorized. 
On XX/XX/XXXX an inquiry From ( XXXX ) show on my credit report ( Experian ) That i did not authorized. 
On XX/XX/XXXX an XXXX From ( XXXX ) show on my credit report ( XXXX ) That i did not Authorized. 
My name is XXXX XXXX and ( Experian ) is showing my name as XXXX XXXX XXXX i have never had a middle name.
Consumer complaint received 2021-10-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (IL)

I XXXX XXXX entered a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Navy Federal Credit Union made me purchase my insurance separately.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Consumer complaint received 2023-04-10
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. (SC)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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