davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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. (OH)

The credit bureaus are reporting an alleged debt on my credit from the department of education. I have reached out to XXXX after disputing with the credit bureaus to ask them to remove it and they " verified '' it. However, they did not " verify '' it as XXXX contacted me via mail and they have removed the debt collection as it was unable to be verified as mine.
Consumer complaint received 2020-06-06
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (FL)

My Nationstar mortgage balance is not correct nor is it up to date. I have been trying to pay my home off early and get out of having to do business with Nationstar because of their bad business practices. I have paid my mortgage for the following months XXXX, XXXX, XXXX, XXXX and an additional {$5000.00} towards principle however they are only reporting up until XXXX. So I am going directly to each credit bureau again with documentation showing the correct mortgage balance and months paid up. I will continue filing disputes until the mortgage data is corrected. The information in my credit report and the information reflected with Nationstar is way off.
Consumer complaint received 2021-04-12
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. (TX)

fcra not mine : see attachments for proof as follows ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX CT XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IN)

Midland, credit collection has had two accounts for collections on my credit account I Have disputed the accounts several times because they are identify theft accounts I supplied documents supporting this and it turns out its XXXX they have sued me and now I have to appear in court to disclose my income so they can get paid this is ridiculous and unfair
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

American Express continues to unfairly deny me a credit line increase for my Hilton and Delta accounts. American Express has claimed the following ; We made this decision for the following reason ( s ) : Based on your credit report, you are or were past due with another creditor ( s ). Based on your credit report, you have to many requests for credit. After speaking with XXXX XXXX XXXX and their Fraud Unit, XXXX said American Express is providing " misleading information '' related to my credit report. XXXX confirmed, THERE ARE NO PAST DUE ACCOUNTS ANYWHERE IN MY CREDIT FILE. XXXX confirmed, THERE ARE NO REQUESTS FOR CREDIT ANYWHERE ON MY CREDIT FILE. American Express is fraudulently claiming there are negative marks on my credit report which prohibit them from considering my credit for a line increase. This is a violation of the FCRA. I am formally filing a complaint against American Express for violating my rights time and time again. XXXX outlined that the information presented by American Express in relation to my score is outdated and not valid. XXXX suggested that American Express ask for or review a current credit report that outlines the facts.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX XXXX : {$12000.00}
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I have been banking with JP Morgan Chase for over 3 years and have had many fraudulent charges on my account upon my own investigation found they have been exploiting and deliberately targeting elderly accounts with fraudulent charges and bank fees deliberately finding things in their favor against customers of age to explore and extort money from the elderly.
Consumer complaint received 2022-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I XXXX XXXX, natural person, consumer, am aware of all rights that I have, which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts listed in the company 's response has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Account Name : CAPITAL ONE AUTO FINANCE Account Number : UNKNOWN 15 USC 1681 Section 602 A. -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 an account without written instructions from the consumer. 

DELETE THIS ACCOUNT IMMEDIATELY, UNLESS YOU WANT TO BE HELD {$1000.00} PER VIOLATION.
Consumer complaint received 2022-07-12
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 the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Equifax found that XXXX XXXX  Account # XXXX was inaccurate and removed the accout. XXXX and XXXX is still reporting the account which is in violation of my rights.
Consumer complaint received 2022-07-26
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. (SC)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-09-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

There was a chapter XXXX bankruptcy filed in XX/XX/2013. There was an inaccuracy in the filing. I have requested the chapter XXXX be removed from my report multiple times. It has been removed from XXXX  and XXXX but is still on my Experian report. I would like for it to be removed from my Experian report.
Consumer complaint received 2018-11-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

For the past several months Sallie Mae has consistently applied late fees and given no resolve to my payments being reversed for no reason. I have contacted both my bank and Sallie Mae about this issue, but they continue to badger and harass me after these payments are being made then reversed. The banking information I have on file with Sallie Mae to make payments is correct as at least once the payment I've made posted. That payment was {$160.00} made on XX/XX/2018. After this there is a random reversal of {$53.00} made to that {$160.00} I paid which was done on XX/XX/2018. After noticing this I immediately made another payment of {$53.00} that same day. The same exact thing happened on XX/XX/2018 in the amount of {$53.00}, so I made a payment of {$53.00} again to cover this reversal. Late fees have been consistently added every time this happens, and they tell me sorry, but there is nothing they can do. I made a payment on XX/XX/2018 {$160.00} that was reversed on XX/XX/2018 as well, and again, the banking information is correct as they have had one or two payments that were debited from my bank account. XX/XX/2018 {$270.00} was scheduled to post for the ever growing amount that was past due ( even though I MADE those payments! ), and it still has yet to show debited from my bank account even when it says it has been paid on Sallie Mae 's dashboard for my transactions history. This is wrong, and I want this fixed.
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Global Lending Services LLC (CA)

As start I am non XXXX visa  holding work permit for 3 years ended on XX/XX/2021 but I was giving a car loan for 6 years and now I am not be able to finish it because my work permit is expired on XX/XX/2021 and when I was told to sign the contract they did not ask for my visa or work permit I did not know at that time because I did not get chance to think about it I was under pressure by the salesman what can I do?
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pinnacle Credit Services, LLC (GA)

Pinnacle credit Services LLC along with XXXX XXXX XXXX XXXX XXXX has repeatedly Try to collect on a A unknown XXXX XXXX account apparently from 2011 with a balance of {$1100.00} They've sent me paperwork they call me that you email me when I call them back they seem to be like a bogus company At least have a very poor phone system I was made aware of a XXXX account close to 5 years ago or so and I just speeded it and it was wiped awipe the way to the best of my knowledge I believe
Consumer complaint received 2022-07-26
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I sent a letter on XX/XX/2022 to remove : ( ), which is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this account or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-06-10
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 — Investigation took more than 30 days
Company: Convergent Resources, Inc. (IL)

This is a New Complaint filed on XX/XX/XXXX. 

I am extremely distressed that you have continued to report fraudulent reformation. For well over 4 years. You guys have Included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The last response I received on XX/XX/XXXX is as Quoted, On XX/XX/XXXX, XXXX placed this account in our office to collect a balance of {$570.00}. We sent you a validation notice on XX/XX/XXXX. This notice included your right to dispute the balance owed. To date, this complaint is the first communication we have received on behalf of this account. In response to your complaint, this account has been placed in a disputed status and collection activity has been suspended. We will obtain validation from our client. Once this information has been obtained, we will mail the documents to you. It is Convergent Outsourcings position that this account will be updated to the credit bureaus with accuracy as disputed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed especially given this process has lasted while over 5 months & I have received little to no communication from you guys which is highly unprofessional. If you are unable to provide me a copy of verifiable proof bearing my SIGNATURE. It must be removed immediately. Thank you in advance!
Consumer complaint received 2019-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I was contacted by someone claiming to be XXXX XXXX XXXX of XXXX XXXX. He emailed me setting up an interview with XXXX XXXX XXXX of XXXX XXXX  for a graphic design position. XX/XX/XXXX I was contacted and interviewed by someone claiming to be XXXX XXXX XXXX of XXXXXXXX XXXXI. On XX/XX/XXXX I received an employment offer letter containing compensation details and benefit details. XX/XX/XXXX I received a check from them for the amount of {$6900.00} that I was told to deposit and was to be used for training and equipment. On XX/XX/XXXX the check appeared to have cleared and the money was in my account. XXXXXXXX XXXXI then provided a contact phone number to be able to get in touch with the instructor. Then XXXX XXXX XXXX ( or her impersonator ) asked me to make the funds available to the instructor by depositing then into their vendor account. I did this in good faith. Friday XX/XX/XXXX I checked my account and only to find it overdrawn by {$4500.00}. It was overdrawn by that amount because {$2400.00} of my own money was in the account and Wells Fargo used that to cover the loss. Immediately on discovering this I went into a Wells Fargo branch and explained the situation. They seemed to be aware that these types of scams are common they seemed to understand exactly what happened, how it happened, and that I was the victim and not the perpetrator, and are still holding me accountable for the funds. My complaint is that if they are a federally insured institution and wouldn't lose money on a claim like this why hold me responsible? I was even willing to make payments on this amount since I was the one defrauded but they are unwilling to work with me in any way.
Consumer complaint received 2018-11-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (MN)

On XX/XX/2017 I, as a result of a desperate situation, took out an installment loan for {$2000.00} with XXXX XXXX ( Rosebud Lending XXXX ). This company touts itself as a tribal lender of the XXXX XXXX XXXX of the XXXX XXXX XXXX  of South Dakota. Since taking out this loan, I have made 24 payments of {$160.00} for a total paid of {$4000.00}. To date they are showing that I still have a principal balance of {$1800.00}. It has come to my attention that this may, in fact, not be a legal loan in the State of Minnesota ( my state of residence ). These payment have increasingly become a hardship for me and it is very demoralizing to see so little of the balance actually being whittled away. As I understand it, Minnesota caps interest rates on internet installment loans at 31-33 %. It is my contention that I have already paid the principal of this loan, as well as paying well beyond the interest rate cap outlined by the State of Minnesota. I should also add, that I have twice sent correspondence to XXXX XXXX concerning this issue and have yet to receive any sort of response.
Consumer complaint received 2018-11-16
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. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. Bankruptcy Chapter XXXX-dismissed, XXXX  : XXXX
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2400.00} XXXXXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-06-19
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. (NJ)

After reviewing my credit report for the first time in years, i noticed that I have an abundance of unrecognized hard inquiries most prominatley in the form of, but not limited too ; " XXXX XXXX. The " Creditors '' 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 not liable for these inquires and do not have a contract with XXXX  They have repeatedly failed to provide me with the original application as requested. per 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.