davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-09
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. (TX)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX ( Please see page 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

HARD INQUIRIES THAT I DO NOT RECOGNIZE XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX, I Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX In Inquiry from XX/XX/XXXX
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I am having issues with address appearing on my file that do not belong to me! the following addresses are no mine please delete ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATEWIDE AUTO SALES (CA)

On my XXXX credit report. The account is showing a REPO status. The car was traded in to purchase another car with a different car dealership. I was not in possession of the car when it was repo 'd from the other car dealership, my fees and everything were paid on time and in full. Please update my account to paid as agreed and not a REPO.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

I sent all three credit bureaus to delete these old/ wrong addresses from my credit reports XXXX XXXX XXXX XXXX , VA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, Wisconsin XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , Wisconsin XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Illinois XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX Illinois XXXX It has been well over 90 days since I sent the certified letters to the bureaus and they still have yet to respond or delete these addresses. This violates the fcra laws that protect consumers rights to.have accurate reporting and the bureaus are suppose to respond in a timely manner and they haven't
Consumer complaint received 2024-02-10
Product: Credit reporting 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. (AZ)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. 15 U.S. Code 1681q. Obtaining information under false pretenses XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. The following personal information is incorrect Account Number : Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2019 XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2019 As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2023-01-09
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. (NY)

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 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.

15 U.S.C 1692e 807. False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

15 U.S.C. 1681s-2 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

In addition as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification and they have continuously used itemized documents to " verify '' my debt. Attached to this complaint I have several letters and documents contacting these collection Agencies as well as the credit bureaus to try and attempt to remedy this situation, as well as their responses. I also have a copy of my credit report attached to this with several of the inaccuracies specifically highlighted
Consumer complaint received 2023-01-09
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. (TN)

I am disputing the Account stated in this document. Previously, I disputed this account ( XXXXXXXX XXXX XXXX ) information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt Tell me how is this possible when you have employees and automated systems in place reviewing and judging hundreds including my disputes within seconds. It's no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself and they have failed to validate the debt is owed by me. I have every right to believe this debt was not validated exhibit A. You sent me my investigation paperwork with the WRONG NAME ( XXXX XXXX XXXX is not my name ) You would know that if you actually investigated and read anything I Sent. 
Exhibit B. Any past due medical bill I had was paid in agreement ( Receipt with pictures ) Exhibit C. You nor the company ( XXXX XXXX  XXXX XXXX has any valid receipts governing and proving I owe them any form of debt ( I am also requesting each of you to send me any proof of any debt owed to them ) Your agency and this debt collector is in validation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.__ Except for information or any communication of information disclosed as provided in., the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is -- ( A ) Medical information ; ( B ) An individualized list or description based on the payment transactions for medical products or services ; or ( C ) An aggregate list of identified consumers based on payment transactions for medical products or services. 

Your also in violation of 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.

Under 15 u.s.c Sec. 1681 ( a ) You must complete this reinvestigation within 30 days and you must delete the items from my credit file immediately. 
If you can not verify the item pursuant to FCRA. And you continue to report it on my credit report. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. Including a smalls claims court in my area. This is my warning. I demand you to delete this ( XXXX XXXX XXXX  ) at once.
Consumer complaint received 2023-06-12
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. (FL)

I have repeatedly have been sending a 609 letter to both XXXX and Experian for the charge off accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have yet to remove these charge offs that have 1099 being sent and they fail to do the work to verify and then sent me letters saying they were verified when in fact these account have been deemed charge off and they have already been paid and I have been taxed on these accounts. I have repeatedly reached out and to no avail have they removed these accounts and how can an account that is considered income be reported and is against fcra regulations and violates the law set forth for these actions
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

A few days ago I checked my scores on XXXX, only to find that my TransUnion score dropped an amazing XXXX points in the 2-weeks since I last checked it. What Changed? A derogatory report dropped off my account and a car payment was processed. So 2 positive things happened to my account and I lose points?! This " game '' doesn't seem to have consistent rules. 

I contacted TransUnion via their site the day I found this information, but have yet to hear from them.
Consumer complaint received 2018-04-05
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX SSN : XXXX XXXX | DOB XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 


O # XXXX * Please remove all non-account holding inquiries over 30 days old. 


Thank you, XXXX A XXXX
Consumer complaint received 2019-04-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (NY)

It was too easy to get a loan that I did not want. I clicked a button and suddenly I had a loan, I was only shopping for rates. Now, they sent the money to my creditors and I have to chase around to get the money back even though they say I have 5 days I was told it was too late on the day I was notified it was send. So shady, it seemed like I was just checking rates but now I have to get the money back. Furious! 

I keep asking them to remove the funds from my account and they don't. They are waiting for the time period to lapse so they can charge me the origination fee which is not fair as I am trying to return all their moneys back prior to XX/XX/XXXX.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

My business account was restricted by JP Morgan Chase bank on Thursday XX/XX/2021. 
I called to find out the reason 3 times on XX/XX/2021, XX/XX/2021 and XX/XX/2021. 
Customer service was extremely rude : when I called second time the Lady stated that Investigator XXXX ( who takes care of my case ) " doesn't want to talk to me, due to he has not enough information and investigation might take weeks or month or years ... ''. I asked to transfer me to Supervisor. Spoke with supervisor XXXX and she stated that I can call back on Mon. XX/XX/2021 and XXXX will be able to provide some information. 
I called on Mon. XX/XX/2021 and get no answer from XXXX again. Customer service representative stated " I doesn't know what to tell you, so I will hang up on you '' and did it. As the customer I was very nice and wanted just to find out what is going on with my account and what is the reason for restriction, even offered to provide all information to help to move investigation forward. 
My money were blocked on account plus all translations, that I have from my vendors every day now are stuck. Based on Deposit account agreement I have right for Disclosure of account information to me, but Chase bank refused to do so. Now I don't have access to my funds, no information from Chase and no terms when they will open access again or will return me my money.
Consumer complaint received 2024-02-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Ray Skillman GMC Truck Inc (IN)

I gave proof of funds. Filled out all applications. Was told they needed supporting documents XXXX bank statements for deposits related to my XXXX XXXXXXXX benefits. Civilians arent required to do this. I get a XXXX XXXX pension, social security and a XXXX pension. They didnt ask for any bank statements. I feel I am being discriminated against. I feel that this is an unnecessary and unfair practice. Because of my service status I am being treated in an unfair and burdensome process.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023, at approximately XXXX XXXX. I went to the Bank of America ATM machine located at XXXX XXXX and XXXX. I requested for {$800.00}. To be dispensed from my checking account. You could hear the machine counting up the money and ready to dispense. About what seemed like XXXX - XXXX XXXX, the machine malfunctioned and a display screen came up saying that your request could not be completed and the money would be credited back to your account immediately. Now here we are on XX/XX/XXXX many phone calls later to the bank and still waiting for the funds to be credited back to the account.
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-09-19
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: Westlake Services, LLC (PA)

WESTLAKE SERVICE INC is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2023-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

I have a PSLF issue with MOHELA and the Department of Education. Both know that the payment count on the subsidized and unsubsidized parts of my consolidated loan should match, which they do not. I have been told to file a reconsideration request to get it resolved on XXXX, which I did. The problem is that my 120th payment is in 3 months and the last time I filed a reconsideration request it took 4 months to be recognized. I would like this fixed as soon as possible. The missing months are XXXX through XXXX of 2009. Thank you.
Consumer complaint received 2023-08-02
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Bread Financial Holdings, Inc. (CT)

On XX/XX/23, a balance transfer was made to XXXX XXXX  credit card from XXXX XXXX XXXX ( XXXX ) to clear debt. Not seeing the transfer was not applied to my XXXX XXXX  account, I contacted them around XX/XX/23 and they claim never receiving the mailed check from XXXX. I contacted XXXX and they stated that the check had been received and cashed by XXXX Bank on XX/XX/23. I have received documents from the credit card company to let me know they were investigating. On XX/XX/23, they requested a copy of the cashed check which I mailed via certified mail XX/XX/23 and was signed upon receipt XX/XX/23. I contacted them again and they responded perhaps the check had been declined and returned to financial services. In which case, that did not happen. Receiving another letter requesting a copy of the cashed check XX/XX/23, I resent request of the copy of the check via certified mail XX/XX/23.
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A debt from Bank of America that was sent to collections for the amount {$3400.00}. I previously set up a payment plan with them where they were withdrawing {$20.00} a week from a previous Bank of America Checking account. Then they ended up closing my bank of America checking account without providing reason. The debt was then sent to collections. Upon trying to validate the debt directly they were not able to send me any information. Upon multiple attempts to contact them for previous bank statements on XX/XX/2023 and on XX/XX/2023 and several days later I received a statement stating that my balance was {$0.00} and no last made payments. 

This same situation happened with another Credit card debt that was sent to collections for the amount of {$5800.00}. I set up a payment plan to make payments of {$50.00} a week from that same checking account which was later closed. 

These accounts were both paid it should be removed from reporting as a debt and from reporting on my credit report.
Consumer complaint received 2022-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

I purchased qty 2 XXXX XXXX using PayPal from a company named XXXX on XX/XX/14. When the items arrived, they were not XXXX but stuffed blue sharks. I initiated a complaint with PayPal, who said I could return the items for a refund. The address provided was not deliverable- I tried multiple shipping services and communicated this to PayPal XXXX but they sided with the fraudulent company and closed the dispute anyway.