davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have several incorrect issues reporting in my credit reports with XXXX, XXXX and Experian so on XX/XX/2021 I sent the 3 aforementioned credit bureaus dispute letters to investigate the inaccurate information reporting on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDUCATION, XXXX XXXX BANKRUPTCY # XXXXXXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX accounts. When I didn't get a response by XXXX I was concerned but, I sent more dispute letters to the credit bureaus into the incorrect issues on XX/XX/2021. It's now XX/XX/2021 and still not one letter back from any of the credit bureaus. Not one letter. The credit bureaus are obligated to respond back in 30 days to all dispute requests but, It's been 3 months and they have not responded. I am asking you to enforce the FCRA and delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDUCATION, XXXX XXXX BANKRUPTCY XXXX XXXX BANKRUPTCY XXXX XXXXXXXX, and remove the late payments from XXXX XXXX XXXX  and XXXX  XXXX XXXX.
Consumer complaint received 2018-10-19
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: LEXISNEXIS (IN)

Still at with Lexis Nexis. At last count, 39 Disputes. As of XX/XX/XXXX the fix has been ; We have now no Car ( we own one ) We have now no Home, no Home at all. We bought, own and maintain a Home since XX/XX/XXXX. 

The previous property listed prior to XX/XX/XXXX we walked away from. A Home Listed in A Bankruptcy that was discharged in XX/XX/XXXX. My one of many deliberate reasons I have issues with Lexis Nexis. XXXX Deliberate as I have disputing this among many more created and stubbornly refuse to correct.
Consumer complaint received 2023-06-13
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. (TX)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 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 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 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 2023-06-13
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: Experian Information Solutions Inc. (TX)

I recently applied for a few homes and was rejected. I contacted the home owners and they said I had a felony on my report and I do not. I called experian which was the company that claimed I do. I filed a case with them and nothing has been done. Not even contacting me. Its been over one and a half months and Im very upset and concerned. Were not able to find a decent place to live due to this error.
Consumer complaint received 2022-07-24
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. (LA)

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

15 U.S.C 1881 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 instruction. 


The XXXX Account is a result of identity theft and is not my account. 

FTC report attached.
Consumer complaint received 2015-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I saw in my credit report that is from 'Trans Union XXXX File Number XXXX, report created date XX/XX/2015I had never owed to XXXX, XXXX and Original creditor XXXX, I had never paid to anything to collection. This balance paid on time to original creditor never late. So my credit report has incorrect information.
Consumer complaint received 2023-06-13
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. (MA)

This is my complain that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from the identity theft. The following items are fraudulent and I want you to remove : XXXX XXXX XXXX # XXXX XXXX, MA XXXX ; XXXX  XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$610.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; EXPERIAN BUSINESS CRED XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$480.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, MA XXXX ; XXXX XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$610.00} ; XXXX XXXX Balance : Balance : {$14000.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

While in the hospital from XX/XX/XXXX till XX/XX/XXXX JPMorgan Chase Bank, N.A. charged my business account Fees and Overdraft Fee in the amount totaling {$300.00} Once the account was funded again ( upon my release from hospital - while in quarantine after contracting XXXX ) I was told that the account was closed and then the bank would keep the amount due and refund me the difference. 
One and one half month later the difference was received only to notice that over the period mentioned above Chase Bank kept charging Fees and Overdraft Fees in violation of the NYS executive order XXXX. 
I made several attempt to be refunded either at the branch or over the phone but got systematically denied. 
Today I tried one more time by calling customer service and speaking with Tay ( ID XXXX ) which after asking for my FULL S/S # ( never happened before ) she denied the refund one more time. Upon my insistence, I spoke with an Account Supervisor, XXXX XXXX ID XXXX XXXX which one more time said that the bank would not refund any money, and denied to be aware of any executive order or laws to waive fees during the state of emergency due to XXXX. 
I gave them ample opportunity to make it right but they categorically deny that they should comply with any laws or executive orders. 
I told them that I will follow up with a formal complaint that might impose them additional fines but the guy could not care less. 
I have been severely and negatively impacted by the XXXX global pandemic and I am asking for reliefs for my ( one person ) interior design business. 
Attached are my bank statements for the above mentioned period, circled are the fees charged totaling {$300.00} Kindly do whatever possible to recoup the much needed {$300.00} Many thanks, XXXX XXXX
Consumer complaint received 2018-05-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Bank of America is refusing to acknowledge me as a victim of fraud and identity theft. I filedseveral claims about transactions that had occurred, in fact On XX/XX/XXXX I went into a Bank of America financial center where I was am in fax all of my evidence concerning the identity theft matter. I was told that Bank of America would be sending out a packet for me to complete and send back. I never received the packet in the mail. XX/XX/XXXX I visited the financial center again and the banker told me that all of my claims were denied because I did not file the transactions within 60 days, although one of the police reports that Bank of America is in receipt of, states that my mail has been stolen, therefore I never received the statements. OnXX/XX/XXXX I  received a phone call from Bank of America, although I missed the call the representative left me a voice mail stating that Bank of America wanted to discuss details in regards to my claims, and left a reference number. I called Bank of America at the number that was left in the voice mail, and provided the reference number, The representative stated that there was no such reference number, she then asked for my account number, after verifying my account which is now closed, she stated that the call was from the claims department and transferred me. I was transferred a total of 6 times each time assured that the department that would receive me would be able to provide me with service. Eventually i spoke with a representative that said i would have to visit a financial branch to be provided service. I was able to deduce that Bank of America is not acting in accordance with Bank law and is violating my rights as the consumer. They are not filing claims, or furnishing documents that Federal Law imposes. An unauthorized account has also been opened using my information, online, Bank of America refuses to acknowledge those claims as well, and furnished a signature card, that was electronically signed in plain texts. I have documentation showing that these requests were made.
Consumer complaint received 2022-06-20
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: SYNCHRONY FINANCIAL (OR)

I try few times to correct my credit report I called Amazon credit card issuers many times. 
They charged off my credit card and closed my account without ever sending me a bill which was about $ XXXX {$40.00} for XX/XX/XXXX statement due to bankruptcy I didnt have any bankruptcy at all It was my old bankruptcy dated XX/XX/XXXX I did not have any bankruptcy since than They mistakenly took charged off Please have them remove charged off Thanks XXXX
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (NJ)

I have received the fraudulent, unsigned debt collection letter dated XXXX, XXXX 2022 from Credit Control , LLC for XXXX XXXX XXXX to collect illegal debt from XXXX XXXX from XX/XX/XXXX, XXXX Credit Control , LLC and XXXX are third party debt collectors, third party interlopers. Credit Control , LLC and XXXX are in violation of : 1. The Fair Deb Collection Practices Act, 15 U.S.C. ( Violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 802 ( a ), 803 ( 3 ), ( 4 ), ( 5 ), ( 6 ), & ( F ) et seq., 809 ( b ) ) Violation of the 18 U.S.C. 1341 Racketeer Influenced and Corrupt Organization Act ( RICO ), and 18 U.S.C. 242. 
18 U.S.C. 242 makes it a crime for a person acting under XXXX of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States of America. To wit : A national Bank can not lend its credit to another by becoming surety, endorser, or guarantor for him, such an act being ultra vires XXXX Bank v. XXXX XXXX XXXX. 
2. The federal laws of mail fraud prohibited by 18 U.S.C. 1341 Racketeer Influenced and Corrupt Organizations Act ( RICO ). 
The offense is punishable by a range of fines up to {$250000.00}, imprisonment up to a life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any. 
3. Criminal Activity of fraud. 
4. Pattern of Criminal I formally request CFPB order the Credit Control , LLC XXXX XXXX XXXX XXXX, the third party debt collectors : 1. To cease all communications with me regards to this debt, or any other debts that these two entities allege I owe. 
2. Not transfer to anyone else. 
3. Any negative remarks made to a credit reference agency should be removed. 
4. Credit Control , LLC XXXX XXXX XXXX XXXX non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and you implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you CFPB for your help.
Consumer complaint received 2022-06-20
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. (NY)

XXXX XXXX XXXX has been reporting me to the credit Bureaus. 
TransUnion I sent letters to the Bureaus and to the collection companies. The accounts still remain and have not been fully validated. 
After 45 days the accounts were removed from my credit report and now recently they're reporting the same accounts that were closed as active.
Consumer complaint received 2020-02-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AL)

Lakeview Loan Servicing LLC/ XXXX mortgage company has taken payments for homeowners insurance out of my escrow account 3 times over the past 3.5 weeks ( dates XX/XX/2020, XX/XX/2020, and XX/XX/2020 ). There should have been only one payment taken out for the amount of {$990.00} on XX/XX/2020. Instead, the total amount taken out was {$2900.00}. They paid the wrong insurance company twice and then took another payment out before replacing those funds. I was told that all funds would be reimbursed to me by XX/XX/2020 ( one reimbursement would be made no later than XX/XX/2020 & that the other would be reimbursed no later than XX/XX/2020 ). As of today, they have replaced only {$990.00}. I am still owed {$990.00} back into my escrow account. I have been back and forth with Lakeview Loan Servicing , LLC at least 5 times since XX/XX/2020. I am attaching the payment history on my account to this email. Please note that I was also told numerous times that they could not guarantee that my monthly mortgage payments would not go up while this was all straightened out, which is completely unacceptable since this is a self admitted error by XXXX. My account number is XXXX. My name is XXXX XXXX XXXX. Address is XXXX XXXX XXXX XXXX, AL XXXX.
Consumer complaint received 2018-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have items on my credit report that does not belong to me. I have filed fraud reports to the credit bureaus XXXX, XXXX  and Transunion. 
The listed company does not belong to me : XXXX XXXX - has two different accounts listed. 

( XXXX XXXX - {$10000.00} and {$6700.00} & XXXX XXXX {$0.00} and {$0.00} ) But, both has the same account numbers. These accounts are eroneous and does not belong to me. They are hurting my credit score. The credit bureaus are doing nothing to rectify.
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (FL)

I would like to report Santander Consumer USA unfair and deceptive practices. They have participated in illegal repossession, Reporting a charge-off on my credit but told me it was not a charge-off, Fraudulent loans, and failure to comply with and disclose Truth in Lending Disclosures. I have reached out to them requesting documentary evidence. I have sustained damages from what they put me through and have struggled tremendously due to their actions. I am also requesting that they send me documentary evidence in accordance with 15 USC 44 which reads Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate records, and without all of those the error is unable to be resolved to clarify what I believe to be a billing error of the finance charge. I have also filed a complaint with the Attorney General and will be moving forward with arbitration.
Consumer complaint received 2018-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have received thousands of calls from this company 7 days a week. I have asked them to take me off of their list as I do not owe any debt. They just called me at XXXXXXXX XXXX. They call me after XXXX at night all the time, Sundays, holidays. They have called my family and coworkers to tell them I owe debt. They scream at me or hang up when I tell them to stop calling. They have been harassing me for years and I am fed up. They call me from different numbers all the time. I use my phone for business and they constantly disrupt me.
Consumer complaint received 2021-10-26
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-20
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. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Dear XXXX I mail you on XX/XX/2022 regards incorrect the balances being reported by your company are different from the other bureaus, this means the account has not been properly verified. Please delete this account immediately.
Consumer complaint received 2018-05-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I submitted an investigation request to Equifax and XXXX XXXX on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2023-01-27
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. (NY)

In accordance with the Fair Credit Reporting act 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