davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-04
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: EQUIFAX, INC. (CA)

Since early this year, 2019 and I have been contacting Equifax every now and then trying to get them to remove the freeze and or the fraud alert on my credit report. I'm currently in escrow and I'm unable to close escrow due to the freeze that the lender can not pull Equifax credit report. I called Equifax multiple times and they say no freeze or fraud alert but they are locking my credit and no lender is able to obtain a copy of my report. I faxed my DL and SSN with a letter to remove the freeze or the lock they have multiple times but still not moving and I'm unable to fix this problem with them. lenders can not pull Equifax 's report, they are locking my report and I'm facing a major financial loss due to the Equifax 's system.
Consumer complaint received 2019-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (ND)

I am having an issue with a debt which is being reported on my consumer credit files, I have tried multiple times to explain that the account is a mixed file issue, as it is not mine. The company keeps saying they have validated the debt but have not shown me what this validation is. 

Furthermore, both the company and a collection agency they have hired are both actively reporting my file as flagged and active in collection. I am seeking help in this matter to mediate the problem and have the company comply with the FCRA and provide an investigation, provide me with documentation or other material. I am asking for a review of the matter so that I can get some help getting this fixed.
Consumer complaint received 2019-10-15
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)

ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING
Consumer complaint received 2019-10-15
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)

ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING
Consumer complaint received 2022-12-01
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. (FL)

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.
Consumer complaint received 2022-12-01
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX  : XXXX, XXXX  XXXX ; XXXX  XXXX 15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A section 2 Also, it states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-08
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. (FL)

Third Request I asked TRANSUNION, XXXX, XXXX to remove the wrong hard inquiries that I have on my credit reports because I have been victim of identity theft. 

My life have been impacted because of that and I am victim of emotional distress because of the non answer of TRANSUION XXXX AND XXXX. 

I am asking for the last time those company to remove the hard inquiries because the investigation and police reported clearly prove that I have been victim of identity theft. They never respect the 60 days investigation and never provided me any documents on that legal timeframe. 

My lawyer has all proof and ready to file a lawsuit for emotional distress caused by TRANSUNION, XXXX, XXXX. 

Its our last attempt before filing : We ask you to remove all the credit inquiries except : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 

We expect you to proceed immediately because you do not respect the 60day period and we can prove it. 

Find attached again the police report.
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

this company is in violation of fcra section 609 623 and several others they are not able to show original signed contracts or any form of proper debt validation at all this has been an ongoing issue that ive tried to resolve with this company to no avail
Consumer complaint received 2019-10-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (NC)

Applied at PNC Branch for Personal Line of Credit ( Application # XXXX ) XX/XX/2019. 
Received letter from PNC bank XX/XX/19 notifying me of credit score of XXXX. 
Underwriters requested my salary and provided it to branch to send. 
Several weeks followed without hearing anything so I contacted the PNC branch. 
They were very professional and each time they attempted to learn status of loan they were given the run around by underwriters. PNC claims it takes 10-15 minutes to obtain a personal loan is misleading. I applied 60 days ago and have yet to get confirmation.of loan. I personally feel this was intentional and after financing auto loan along with credit cards do not plan to bank or recommend PNC Bank.
Consumer complaint received 2018-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC (GA)

In XX/XX/XXXX, I sent in a letter to the law office of Brett M. Borland and XXXX XXXX XXXX and also all 3 credit bureaus in regards to a collection from XXXX XXXX XXXX. The collection is stating that i owe {$1.00}, XXXX. XXXX XXXX is stating that I was evicted in XX/XX/XXXX but my lease agreement clearly states that my lease expired in XX/XX/XXXX. I was no longer living at the residence in XX/XX/XXXX which is why I do not understand why I am being held responsible for rent charges between XX/XX/XXXX to XX/XX/XXXX I have sent in numerous letters asking that the company to verify the charges and explain why the account is listed on my report. I never received a letter from XXXX XXXX XXXX but I did receive a letter back from the office of Brett M. Borland. P.C. The office sent me a copy of my lease agreement. The information listed above can also be seen on the lease agreement and it shows where my lease expired on XX/XX/XXXX. I challenge the accuracy, compliance and reportability of this listing.
Consumer complaint received 2019-10-15
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. (ND)

Issue with a financial institution which financed my auto loan. Account was paid as agreed without late history and/or late payments. The matter was brought up to the bank which understands that the history is inaccurate and explain that the credit bureau is to blame for the incorrect history. 
I contacted the bureau which states the information is being reported as accurate by the bank. Each company tells me the other is responsible for the error and the matter does not get resolved. 

I am asking for assistance as a consumer under the Fair and Accurate Credit Transaction Act and the Fair Credit Reporting Act. I am further asking that this agency help mediate the matter so that the entity reporting the inaccurate data corrects the issue with finality. 

Late history is reported thus : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-12-02
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. (IN)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX XXXX, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-02
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. (MA)

XXXX XXXX XXXX account on my credit report is reporting incorrect. Ive sent several disputes regarding this account and nothing has change. On XXXX, and XXXX of 2022, Ive sent several disputes to correct the information even after the reinvestigation. This process is violated my rights and want removed. After notifying them of inaccurate information they still did fix. Under 15 usc 1681, you must hold my report to maximum accuracy. Also, you can not furnish inaccurate information knowingly wrong. The reinvestigation did not fix these problems even after factual disputes sent. This is a clear violation of my rights.
Consumer complaint received 2022-01-25
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: Specialized Loan Servicing Holdings LLC (CA)

In 2013 a Home Equity Line of Credit was transferred to Specialized Loan Servicing. Since 2013 payments to SLS has been made, not all on time, but in good faith. Since 2013 SLS has been reporting to the credit bureaus as a collections account. The account was part of the housing crisis and the interest rate was adjusted. Payments have been paid for almost 9 years and the status has not changed. SLS sent a 1099C for the 2013 tax year. We did not request the cancellation of debt. Since the cancellation SLS has taken upon themselves to continue to report it as a collections account. I have requested several times for a copy of the note to reflect the status of the account, additional research to resolve the issue and for my own records. I have disputed the account on several occasions and still have not had a clear understanding why this account reflects as a collections account. It is not right or appropriate that SLS is hindering my ability to repair my credit for 30 years.. Please help
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX reported a late payment XX/XX/2020 during the coronavirus pandemic when I was told due to my list of employment due to coronavirus my account would be put on hold and not be makes late ...
Consumer complaint received 2015-11-10
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: American Coradius International LLC (LA)

I filed bankruptcy in XXXX 2010 and there was a loan from XXXX and now they are trying to call it a student loan. the loan was included in my bankruptcy which was discharged this past XXXX and now ACI of XXXX, NY is sending me letters and calling stating i owe {$7300.00}. i am also wondering why they are trying to collect on the debt and the statues of limitatons are 6 years and the loan was taken out in XXXX XXXX i am just getting out of bankruptcy and who has that kind of money. i want to request a discharge because i am disputing this debt.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (CA)

I went to University of XXXX in XXXX California from XX/XX/XXXX to XX/XX/XXXX. The location closed. My original loan was through Sallie Mae, then Navient and now Department of Education. I am now an income-based repayment plan which is been very low or zero and so Ive now I have accrued over {$20000.00} in interest in the last nine years. I didnt start making more than my loan until XX/XX/XXXX! 

Even the Department of Education is giving awesome repayment plans but it just keeps the interest stacking up. So I have got to pay it for 20 plus+ years before I get forgiveness unless I work for a nonprofit.
Consumer complaint received 2019-10-15
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Inquiries continue to pop up. I admit are not mine. I would want deletion from this. It is affecting me. Dates are listed on credit reports. 
XXXX  shows XXXX XXXX twice. XXXX. XXXX XXXX, XXXX XXXX and all others that show on XXXX and XXXX XXXX where i sent the uploads. I had open and closed a credit card with XXXX XXXX and claed the account due to loss of job and months later i notice two inquires for the same credit card service i didn't apply. I spoke with someone and they where not able to tell me why they are inquiries on my account. I ask for deletion and was advise no.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

This complaint is related to Complaint # XXXX. 

On XX/XX/2019, XXXX XXXX ( Walmart ) pulled an unauthorized amount of {$300.00} from my XXXX  checking account. As of today, XXXX XXXX  has told me that they can not locate the payment that they pulled from my bank account on XX/XX/2019. I called my bank, XXXX XXXX, and reported this issue and asked that this payment be reversed. That unauthorized transaction was reversed from my bank. As a result, XXXX XXXX  has added the {$300.00} to my account as a charge, although they say they couldn't locate the XX/XX/2019 transaction. Plus, now they've added a late charge to my account in the amount of {$27.00} and I've never made a late payment. 

My Walmart account was transferred to Capital One on XX/XX/2019. Per my conversation with Capital One personnel and one of the letters that I've received from XXXX XXXX, they keep erroneously referring to the {$300.00} payment amount that I did authorized on XX/XX/2019.
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

I have disputed the amount of debt on my credit report of {$4000.00} about 6 times on numerous different occasions XX/XX/30 being the last time. This is not my debt. I have never had a credit line or phone bill with XXXX XXXX XXXX in my name. I have always had t mobile or been on my mothers plan.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (CA)

I obtained NetSpend prepaid Visa card and after paying {$4.00} deposited {$200.00} on XX/XX/XXXX. After I tried to use card I was informed that I would be able to use it for 2-4 weeks! I wasn't able to pay bill while NetSpend was holding my money! In XX/XX/XXXX I filed lawsuit in small courts against NetSpend but it wasn't resolved since they haven't showed up.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I went to the local chase atm XX/XX/22 around XXXX. Deposited all of my money ( literally every last dollar ) and the atm glitch after taking my cash deposit. The gear spinned for about XXXX minutes. It then showed the screen in the picture I attached. Telling me to call chase if I didnt see my deposit. I didnt see my money in my account so I called the number provided and the representative told me that claims was closed and I would have to call back in the morning. I called claims directly as soon as they opened XX/XX/22 and made the claim. The representative told me it can take up to 10 days to get a response or even see a temporary credit but its usually much sooner. I called back XX/XX/22 checking the status and that representative told me its in the Finance departments que for approval so it should only take XXXX business days. Called back XX/XX/22 for an update because like I stated, I deposited all of my money into the atm and with XXXX kids at home, waiting another two weeks isnt going to work. The initial representative just kept repeating I had to wait and would not transfer me to her supervisor. After telling her several more times, she finally transferred me and that took another 20 minutes. The supervisor researched about 10 minutes the first hold she put me on then continued when she took me off of hold and told me Im not going to risk losing my job to approve a temporary credit for your account. Im not saying youre lying but I cant see your atm transaction so I have to wait until our 3rd party atm vendor counts the money and gives us a report but we dont have schedules for when they empty atms I told her pull the cameras, you will see my car, and I even reached out of my car! But she just kept repeating she wasnt going to lose her job to help me and I had to wait. I informed her I had no money and was unable to go grocery shopping, had to cancel doctors appointments, And would have to cancel my daughters birthday party and all she said was well there is nothing I can do.
Consumer complaint received 2019-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (TX)

On XX/XX/2019 a letter was sent to me from XXXX XXXX XXXX regarding a debt that is owed to XXXX XXXX/ XXXX XXXX XXXX, XXXX. I proceeded to contact XXXX XXXX through the mail for the second time that this debt was not mine. They did not respond with the information I requested. On XX/XX/XXXX I then received a pre-approved letter from XXXX XXXX indicating I was pre-approved for a {$2000.00} credit line for their XXXX Platinum credit card. My concern is that if the debt they claimed I owed was mine I would not be eligible to be approved for a credit line through the same company claiming I owe them. I want the account mentioned in the letter sent on XX/XX/2019 removed from my credit report immediately.
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

My issue is with Paypal. Debit cards I use with small business transactions are automatically added to my profile on paypal without my authorization. Then scammers hack into my profile and use my debit and credit cards for purchases I did not approve. This happened a few years ago with a XXXX  XXXX XXXX account of mine I had to close due to the extreme amount of fraud coming from Paypal. I disputed it with paypal several times and they ultimately said the transactions were valid and my money was stolen. i reach out to Paypal to cancel my account and make sure all of my personal and financial information was no longer activated. As of today, XX/XX/22 I received email notification of 3 separate charges to separate people on paypal, none of which I approved or authorize. I was traveling and did not use my card at all during this time. Paypal does not allow you to speak with an agent, they only allow you an automated call or chat and my issues are occurring again. They will not let me remove payment methods or close my account. They should be shut down for the amount of fraud.
Consumer complaint received 2022-08-27
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: MOUNTAIN AMERICA FEDERAL CREDIT UNION (AZ)

Dont report credit utilization and payment in accordance with the fair credit reporting act 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 an open end consumer credit plan as late for any purpose