davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX I notified my local law enforcement about an identity theft where a long time ( former ) friend had used my information to fraudulently obtain a large student loan in my name, when she was supposed to be helping me through a medical crisis. During that time, a separate fraudulent account opened with XXXX was also discovered. The original account that resulted in the initial police report has since then resolved and cleared from my credit. However, during the past two years, XXXX has made it extremely difficult to have the fraud removed from my credit reports and there are still fraud based negative reports on two credit reports that they are still refusing to remove. XXXX has been provided copies of the original police report through US mail, which they claim they have not received, and email correspondence. I have made several phone calls to XXXX fraud, the most recent dated today, and additionally XX/XX/XXXX, and XX/XX/XXXX ( three phone calls ) to resolve the issue. This doesn't include the numerous previous phone calls. XXXX claims that they have not deemed the account as fraudulent because, based on their policy, their company is not listed on the original police report. However, my credit reports state otherwise, with XXXX collection accounts having been removed on all three credit reporting agencies, and the original XXXX account removed with XXXX. However, during my XXXX PST phone call with XXXX fraud this XXXX, their representative advised me that the remaining original accounts will not be removed from Equifax and XXXX until the police report is amended or a new one is made to reflect their name specifically on the report. I am in contact with my local law enforcement and waiting for a reply from a deputy, although their dispatch is absolutely in agreement that the level of care that has been taken in the matter is not only greatly lacking but, basically, XXXX. I have also been in contact with the credit agencies and was advised by Equifax representatives, on Thursday, XX/XX/XXXX, that I have to contact law enforcement to find out the outcome of the fraud investigation to have the credit company remove it from my report. I asked how that is possible when the report was forwarded to another state and becomes confidential information and was told, basically, that was their policy and my problem to figure out.
Consumer complaint received 2022-06-14
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: JPMORGAN CHASE & CO. (FL)

An inquiry on XX/XX/2020, was made by JPMCB Card Services. Please delete this inquiry because the two year time limit for reporting an inquiry has expired.
Consumer complaint received 2019-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Central Holdings, LLC (TN)

I have been a customer with credit central for about 2 years and has always been treated with respect. However, I have SEVERAL issues with this company.. the employees working for this company currently are extremely rude, threatening and unprofessional. The companys turnover rate is ridiculous. Every time I talk to someone they are new. They make threats if you dont come in when they say you must come in even thought the contract states that if you pay past your due date you will have a late fee charge. They claim thay you absolutely can not pay late and will not accept late payments. Why is there a late fee if they can not accept late payments? Also, I was told around XX/XX/XXXX that my loan eliable for a increase and was told it would increase my payments by XXXX bucks a month. I agreed but what I was not told is that my loan started all over again! Very misleading and deceptive! This company needs to be stopped!!! Just treat people right which is not something that this company doing with me. I am ready to be done with them. 
XXXX, TN location XXXX, TN location
Consumer complaint received 2019-03-23
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. (KY)

XXXX  XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$9300.00} XXXX  XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXXXX/XX/XXXX {$4200.00} XXXX   XXXX XX/XX/XXXX {$4200.00} XXXX  XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX   XX/XX/XXXX {$1300.00} XXXX  XXXX XX/XX/XXXX {$870.00} XXXX  XXXX had a lawsuit in XXXX.

The for-profit company that operates XXXX  XXXX Colleges in XXXX, XXXX  and XXXX has agreed to reform its recruiting and enrollment practices and forgive more than {$4.00} million in loans for 3,389 former Kentucky students.Kentucky Attorney General XXXX  XXXX and other attorneys general Monday announced a settlement in which XXXX   XXXX XXXX. will forgive {$100.00} million in outstanding loan debt held by more than 80,000 former students.

The state and federal settlement with one of the nation 's largest for-profit college chains resolves allegations it defrauded taxpayers out of {$11.00} billion.

The agreement is expected to provide an average of {$1300.00} per student in loan forgiveness.

*Indiana Attorney General XXXX XXXX said the deal will provide {$5.00} million in loan forgiveness to 5,530 Indiana students of XXXX  XXXX College and XXXX  XXXX   XXXX, i also did not receive my {$1300.00}. Due to this XXXX  XXXX  closed my accounts but did not remove them. I would like them removed also
Consumer complaint received 2018-04-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IN)

ON XX/XX/2013 I SOLD THE CAR TO THE TOWING COMPANY XXXX IN CALIFORNIA THE DMV SEND ME A MAIL IN THE MAIL STATING THAT I STILL OWN PLATES AND CITY STICKER FOR THE CAR WHICH I NO LONGER HALF AND I EXPLAINED XXXX THE DMV THEY STATED THAT I HAD TO CALL THE FINANCE COMPANY WHICH IS NISSAN MOTOR ACCEPTANCE WHICH I DID THEY STATED THAT THE TOWING COMPANY HAS CALLED THEM AND I ASKED FOR A LETTER STATING THAT I DONT HAVE THE CAR NO MORE THEY KEEP GIVING ME THE RUN AROUND I JUST WANT THIS SITUATION RESOLVED
Consumer complaint received 2019-11-18
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. (NJ)

To Whom it may Concern : XXXX XXXX # XXXX**** This is a legal NOTICE AND COMPLAINT REQUESTING documents and request for proof of claim, I have been unable to find any contracts for business between my person and XXXX XXXX. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under NEW JERSEY LAW Pursuant to N.J.S.A. 2A:19-13, the assignee The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account. I have make a request for any and ALL legal contracts obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between XXXX XXXX AND XXXX XXXX XXXX.
Consumer complaint received 2018-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (OR)

Keep getting calls. Looked up number and it said it was from Tate and kirlin associates. I had remembered getting something in mail from them claiming I owed them {$100.00} some dollars on behalf of some company called XXXX XXXX which I had never heard off and lettter had no description of anything of what it was. Looked up online and see tons of complaints from people saying they get letters claiming to owe the same XXXX XXXX place and not knowing what that it. When searching for XXXX XXXX, there is no website that pops up, no info on what the place supposedly does or sells nothing. Only info that pops up is ripoff complains threads with people saying same thing, claim they owe and have no idea what it is, some claim they called and said it was for some supplement trial they never returned and are being charged or some scamming thing. I have not ordered any trial supplenents. Did find website ( link posted ) mentioning this scam from a company called " XXXX XXXX '' where packages show up at people 's doors they did not order, they send it back and then get collections notice from this Tate and kirlin place and another place saying they owe that place. I never received any random package either. XXXX XXXX XXXX Everything I have read sounds like this random XXXX place and debt owed is a total scam and this collection place is trying to collect fake debts from people so therefore they would be scamming people too. I sent Tate and kirlin several messages about calling and that I had no idea what this XXXX place was and even sent them the link to article. They kept calling my cell phone XXXX XXXX XXXX which is my only phone number. I called back and left them voicemail too telling them this seemed like a scam and I didn't know what the place was and there is no info on them and to send proof in mail of real debt from real place.
Consumer complaint received 2022-06-14
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. (TX)

Ive submitted mutilple disputes to block and remove accounts on my credit file that I know that all fraud. Experian has to investigate each account and make sure there 100 % accurate and reporting the same on all three consumer reporting agencies XXXX and XXXX. I demand you block and remove the accounts pursuant to 15 USC 1681c-2 of the Fair Credit Reporting Act. An you should be reporting 100 % accurate according to congress and the Fair Credit Reporting Act if not you will be held civil liable for all damages you have cost me as a consumer because I cant get approve for credit. Pursuant to 15 USC 1681 ( a ) ( 1 ) the bank system is dependent upon you Experian reporting 100 % accurate and fair. I demand that your reinvestigate and block these entries now and be removed within 4 business days.
Consumer complaint received 2022-06-14
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: CITIBANK, N.A. (FL)

In accordance with the fair credit Reporting act XXXX  Account " XXXX XXXX '', " XXXX XXXX XXXX A '', " XXXX XXXX '', " XXXX XXXX XXXX  XXXX '', '' XXXX 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.
Consumer complaint received 2022-01-11
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (MI)

I have disputed public filings on my credit report from XX/XX/2021 up until now, XX/XX/2021 with XXXX, XXXX  and Equifax. I have been given the run around as to who verified or added this information to my profile with XXXX. XXXX  and Equifax have not even responded to any of my dispute letters. XXXX has not shared any of that information even after reaching out to courts myself and finding out they did not report such information to my credit.
Consumer complaint received 2023-06-29
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)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I, XXXX XXXX, do not recognize the following inquiries on my credit report and did not give permission to share any of my personal information with these companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
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. (TX)

I previously wrote to TransUnion to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from TransUnion lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report :
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG PAYMENT HISTORY should not have XXXX + XXXX thats inaccurate should have XXXX. Does not report on XXXX & XXXX. DATE OF LAST ACTIVE IS OUTDATED XXXX. THERES NO LAST PAYMENT DATE nothing reporting. Not saying i want documents of payment i want this account removed. No update in comments from last dispute. This account does not report correctly needs to be removed in statute of limitations HISTORY IN INCORRECT IN STATUTE OF limitations I DONT WANT VERIFICATION I WANT ACCOUNT REMOVED PLEASE XXXX XXXX XXXX XXXX XXXX  XXXX is reporting inaccurate on TU HAS 90 days & XXXX  HAS 60 days. last reported dates are wrong & different last payment TU HAS XX/XX/2022 & XXXX HAS XX/XX/2022. THIS ACCOUNT HAS BEEN OPENED 2 different TIMES TU XXXX & XXXX XXXX. Im sorry but this account inactive doesnt want to update please delete this account for frca rights THIS ACCOUNT IS REPORTING 60 days LATE BUT NO LATES IN PAYMENT HISTORY NEED REMOVED DUE TO INACCURATE INFORMATION Want both removed 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

THANK YOU
Consumer complaint received 2023-10-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BMO Bank, N.A. (KS)

Per my previous complaint ; I requested actual statements from XXXX, XXXX, and XXXX to reflect the mortgage balance before, during, and after the partial claim payments were made by HUD to BMO that were to be applied to my mortgage. BMO replied by sending me a copy of my publically accessible partial claim agreement ( that I provided to them ) along with some end of the year tax documents for a few years. Up to last week, I have still made numerous requests for my actual statements and BMO has not been able to provide them, and claim that they can not find them. The information I have requested are my XXXX, XXXX, and XXXX actual mortgage statements. This has NOT been provided, nor has it been shown the payment from HUD was actually applied to my mortgage balance. ( The reason for requesting these statements ).
Consumer complaint received 2021-07-20
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: Navient Solutions, LLC. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2020-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OR)

So on or about XX/XX/2020 I had a lady named XXXX XXXX call me from the executive office of chase and we spoke for some time she stated to me that as of XX/XX/2020 that I had been added to the loan she then went on to state that in XX/XX/2020that one of the loans had been taken out of forclouser so that I was good on that one she then stated to me that on XX/XX/2020 that the other loan had also been taken off foreclosure she then stated that I was denied a mortgage assistance and it could have been because my name was not on the loan at that time she then advised me that I should hurry up and file new paper work for mortgage assistance now that I have been added to the loan she also advised me that sence I have so much equity into the house that they should be able to use that to catch up what I am behind she said there was about 105 k owed on the place and that the value of it was around 280k so there is plenty of money there to do so she then stated she was going to send me everything that we had talked about on the phone which I have never received she also said that my relationship manager would be calling me to see what options we have and talk to me about the equity and using that well I still haven't talked to her they did call and leave me a message about giving me XXXX to move out but when I returned the call all I got was a machine and never a call back well I'm still getting papers saying that the forclouser is still set for the sale date well if both loans have been taken off forclouser wouldn't they have to start all over again not just to decide that they are going to move forward with it and keep all of the same dates after they took it out of forclouser they are just trying to steal the equity that I have in my house and not trying to work with me what so ever I think they should take some of the equity I have and put it towards what I'm behind and then start letting me make my payments again instead of trying to steal my house do they even have legal right to for lose sence they don't even own the loan
Consumer complaint received 2022-07-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-11-30
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

16 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (OH)

Paid for a removal said they would take it off my account once I paid the XXXX company lied said I had to go on there website and asked for a removal. I want this off my credit report, They took my money and didn't make good on there promise.