davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
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. (WA)

Ive been trying to dispute 6 inquires from XXXX since XXXX. All 6 of these inquires are from a car department that i did not authorize these inquires. I stated I already had financing through my credit union. They asked for my SS, and stated it wouldnt be used for inquiries or to pull credit they just needed it on file. I had my credit report locked, he said they wouldnt be able to get in contact with my credit union unless it was unlocked. I unlocked it and they ran XXXX inquires to other credit unions to find me the best deal when Ive been a member with my credit union for 10 years.
Consumer complaint received 2017-09-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P. (TX)

XXXX, 2015, I was injured in a car accident. I hired an Attorney, who acted on my behalf. All bills were paid relating to the accident accept the Medical provider who did not bill or provide the data to my Attorney timely or bill my insurance. My insurance company pays 100 % of XXXX. Record shows the hospital has my data on file as well as insurance. The hospital was paid in full. I spoke with personnel XXXX, who has yet to send me the itemized listing or services rendered for XXXX. This info remains and is affecting my credit. I called the Collection Agency, who made note. XXXX should be held accountable and liable for not reporting and filing with my Insurance company. The appearance on my credit report is viewed negative. I do not recall services rendered for the days indicated below. If I owe why was the insurance company not billed and the data turned over to a collection agency? This in general is the responsibility of the patient, initially. however, the Medical provider must do it 's part and bill.
XX/XX/XXXX - {$640.00} XX/XX/XXXX- {$490.00}
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

To the CFPB this is concerning a complaint file previosly against XXXX, but at this point this financial institution have involved and other financial institution, the name of the financial institution is : Deutsche Bank Trust Company locate at XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, CA XXXX. This financial institution do not have legall right or legall standing do to the fact they did n't recall any endorsment or assignment and now they come to be part of strime fraud committed by all previous banking institution involved. In violation of Respa, Tila, Fair Collection Practice Act.I would like for CFPB to do a complete criminal investigation.
Consumer complaint received 2022-03-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a Dept Balance of XXXX from XXXX XXXX XXXX, XXXX. 

The Dept was charged by CAPITAL ONE BANK. 

The purchases were made outside of the state I live in & I have never had a Captial One Bank account. 

Please help resolve this issue. 

Best, XXXX
Consumer complaint received 2022-05-05
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)

XX/XX/XXXX a fraudulent unauthorized closed account and account number # XXXX reappeared on my credit report. My information was leaked in the XXXX equifax data breach and was also leaked in the XXXX  XXXX data breach.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX refuses to remove an account that is completely inaccurate and will not show me evidence of the alleged accuracy. It is from XXXX XXXX and is approximately XXXX dollars. This is an account that was charged up to the secured amount originally of XXXX and never went over and should have been closed. It is now at over XXXX dollars they have charged interest on a " secured '' card that never went over the allowed amount and should have been closed. This is absolutely fraud. And they will not show evidence of charges from this account or why they are leaving it on my credit. They will not remove this fraudulent charged account.
Consumer complaint received 2022-05-05
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT 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
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT 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
Consumer complaint received 2019-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I applied for a Capital One Venture Card via capitalone.com and was approved instantly. The card was advertised as carrying an annual fee of {$95.00} but waived for the first year. I took sceenshots when I applied and even after I was charged the annual fee upon the card activation, since the annual fee disclosure was still on the application page. When I called the customer service to complain and tried to get the annual fee waived, I was told that the annual fee was " just advertisement '' and there was " no option to do anything ''. I wonder whether this is a violation of the Truth in Lending Act? How can a credit card company use unambiguous words like " {$0.00} intro for the first year, {$95.00} after that '' and then still charge full annual fee for the first year?
Consumer complaint received 2022-05-05
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. (VA)

XX/XX/XXXX a fraudulent unauthorized closed account and account number # XXXX reappeared on my credit report. My information was leaked in the XXXX XXXX data breach and was also leaked in the XXXX XXXX data breach.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2017-09-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

I XXXX XXXX was a student at XXXX College in 2016 XXXX class. I took a Naviet loan and signed a promisarry3 note to repay. No problem. I completed more than half my courses with 400 hours left to graduate. I had a issue with another student and they chose to dismisted me and kept the other student. This was at the end of module. I tried to resume back to complete my 400 of my 1200 hours and i was denied. Then i went to another XXXX  school thinking my 800 hours wpuld follow me XXXX College told me to gety official transcript from the website but i could not because they did not sign off on my hours because they claim i owed them {$4000.00}. i asked how i owe you when you got money from my student loan for this period and didnt give me a refund. They stated that they returned the loan. if i had not been contact by Naveit i wpuld not have lnown they robbed me. The loan department and FASA stated there was no return of money. This is on my credit report and im out of hpurs i actually put in and was denied to complete my education.
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (NY)

Hello I submitted a dispute with the bureaus about a closed XXXX XXXX XXXX XXXX that have late payments on them and a repo which is in accurate and unverifiable and even sent them proof that the payments they are reporting late are inaccurate i paid those months they are reporting late and they are also saying i had a repo which is not correct. I disputed with them asking them to submit the method on how this information was verified but they sent me no information. i will attach the letters i sent and also my bank statement from those months they claim i was late. 
XX/XX/XXXX i made a payment of {$350.00} for XXXX payment, XX/XX/XXXX I made a payment of XXXX for XXXX payment and on XX/XX/XXXX i made a payment of XXXX these payments were made on time and taken out of my bank account i don't know why the three bureaus still have that i was late and a repo when i was never late or got my car repo on this account. please help me fix this
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (AZ)

Experian refuses to remove an account that is completely inaccurate and will not show me evidence of the alleged accuracy. It is from XXXX XXXX and is approximately XXXX dollars. This is an account that was charged up to the secured amount originally of XXXX and never went over and should have been closed. It is now at over XXXX dollars they have charged interest on a " secured '' card that never went over the allowed amount and should have been closed. This is absolutely fraud. And they will not show evidence of charges from this account or why they are leaving it on my credit. They will not remove this fraudulent charged account.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is 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 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX XXXX {$0.00} aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : 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 open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX  balance {$0.00} account # XXXX 30 days in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/2020.
Consumer complaint received 2022-12-17
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: Experian Information Solutions Inc. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX Balance Owed : {$750.00} Medical XXXX Balance Owed : {$50.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 I sent disputes to Transunion, XXXX and XXXX about the following inaccurate and unverifiable accounts. I have done my research and according to the FairCredit Reporting Act, my consumer rights have been violated by these credit reporting agencies and their failure to reinvestigate the accuracy of my credit reports, as well as their failure to delete all inaccurate information. This is ridiculous! Additionally, Transunion will not review my dispute requests and continues sending these outrageous response letters saying " it didn't appear that you or a properly authorized third party sent this to us '' which is false and unacceptable. Each credit reporting agency has a proof of my ID and proof of my address to confirm my identity and support my disputes. These stalling responses are clearly a way to get out of doing their job in accordance with the credit reporting laws as there are MULTIPLE errors to be addressed. 

The following accounts are in error and in total violation of my rights : XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Case Number XXXX, XXXX XXXX Account Number : XXXX. 

It is completely unacceptable that these erroneous accounts have not been thoroughly investigated in accordance with the LAW and removed from my credit reports immediately after 5 months of sending reinvestigation requests and waiting for a status update or confirmation of deletion. 

15 U.S.C. 1681 Section 602 A ; States that credit reporting must be fair and accurate and unfair credit reporting methods undermine the public confidence 15 U.S.C. 1681 Section 604 A ; States a consumer reporting agency can not furnish an account without my written instructions or permissible purpose It has been well over 45 days since I've sent these different disputes. I have thoroughly reviewed the laws above and others that are applicable under the FCRA and demand they be followed by the credit reporting agencies.
Consumer complaint received 2022-10-24
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. (GA)

In accordance with FCRA, the creditors listed below have violated my rights under 15USC 1681, SEC 602, which states I have the right to privacy, 15 USC 1681, SEC 604 9a ), Section 2, which states a Consumer Reporting Agency can not furnish an account without my written instructions. 

Creditors : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONLINE Information Services, Inc. (NJ)

I contacted Online Information Services ( OIS ) repeatedly about the misinformation that OIS has provided to credit reporting agencies. I have contacted them numerous times on the phone as well as by sending them written letters over this incident. They deny that they have provided incorrect information to the credit reporting agencies and they have failed to correct the misinformation on my credit report. 
The main problem is how an alleged debt has been listed on my credit report by OIS. Normally, when an alleged debt is disputed by the consumer, the debt collection agency should list the credit account 's status as " disputed ''. By doing so, the credit score is unaffected by the disputed debt.

However, OIS did not list the credit account 's status as " disputed ''. Instead, OIS listed the debt 's status as " valid '' and simply added the remarks, " Dispute resolved ; customer disagrees ''.

This is not the same thing. By listing the alleged debt as valid but only adding remarks, the debt has severely damaged my credit score.

I have notified OIS repeatedly over the phone and via written letters that I dispute the alleged debt and that the credit account 's status is being reported incorrectly. Nevertheless, OIS has failed to contact credit reporting agencies and update the credit account with the correct status.

As a result of the misinformation provided by OIS, this disputed debt has severely hurt my credit score. Before OIS 's report, my credit score was about 850. Afterward, my score dropped down to XXXX. By law, OIS must correct any inaccurate information that they have provided to credit reporting agencies. OIS knows that information on my credit report is a mistake but they have failed to correct it. I have called them repeatedly OIS about their mistake and they fail to correct the misinformation.

Why does OIS list the incorrect status of a credit account? The most likely reason is that a properly disputed debt would have no effect on the consumer 's credit report. However, by listing the disputed debt as valid, OIS knows that the consumer 's credit score will be hurt. As a result, the consumer will be more likely to pay the debt even if the debt is invalid.

OIS has informed me that it is their standard procedure to deal with all of their alleged debts in this manner. This demonstrates that they not only have incorrectly reported my disputed debt but also have probably incorrectly reported numerous disputed accounts with other consumers. This may have resulted in unfairly damaged credit scores of thousands, perhaps millions, of consumers.
Consumer complaint received 2022-12-17
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, 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.