davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX continues is a collection company that has continuously kept this on my credit report. I left the school who used deceptive tactics to recruit and promise an education when in fact they were for-profit using unqualified teachers/professors per article from XX/XX/2007, " the New York State Education Department reported deficiencies at the XXXX XXXX New York campus. The problems related to faculty qualifications and remedial course offerings. New enrollment was limited and the Education Department stated it would close the college if improvements were not made. '' Improvements were not rectified. I am disputing the loan with the Board of Education and was advised the process takes time.

The credit agency is threatening and is posting on my credit report when it should be removed after some years. They refuse to do so and are holding my credit report " hostage '' for payment threatening they will remove negative reporting only if I pay them. They are menacing and unethical practices are causing frustration, time, and unable to move forward. This has been harassment non-stop.
Consumer complaint received 2019-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On the XXXX of XX/XX/2019, I purchase a computer from XXXX for {$530.00} and on the XXXX of the same month purchase a year warranty for XXXX. On the XXXX of XX/XX/2019, I send a payment of {$820.00} on line to Capital-one. Now a few days later I received a bill from Capital-one and I believe that I was charge twice. I immediately called Captialone and spoke with a Mr. XXXX. Later I got a request on how to send the computer back and was too late to cancel the complaint. Anyway, I did what the XXXX representative stated and all XXXX broke out. I started receiving double bills with different amount. I even went to a branch in XXXX. I just got disgusted because all I was getting was a run-around. I finally went to my bank and talked with a representative a Mrs.. I have talked with so many people that I didn't get all the names. Anyway, on the XXXX of XX/XX/2019 I was informed to collect all document and sent to him. I mail them, I believe. At this point I have been so confused that I not sure of anything. My money of {$600.00} according to Captialone is stilled. I still want to know how? The has been credit and token back so many times that I'm just a confuse as my bank representatives. Now if you could assist me in this matter it would be appreciate.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

XX/XX/2019 a mortgage payment was made to XXXX XXXX. The payment was deducted from my checking account balance and was forwarded by XXXX XXXX XXXX XXXX electronically to XXXX XXXX. 
Select Portfolio Servicing, Inc. ( aka SPS ) took over the servicing of my mortgage + escrow accounts on XX/XX/2019. 
SPS continued up to the time in XXXX when I re-financed my mortgage with XXXX XXXX aka XXXX XXXX. 
The Payoff Statement reported by SPS includes the " missing '' payment from XXXX, late fees and Interest that includes interest owed on the XXXX " missing '' payment from XXXX to the closing of my account with SPS in XXXX. 
Calls to the Ombudsman Dept of SPS reported to me that my supplied bank statements from XXXX thru SPS takeover in XXXX were in their data base. The computer database at SPS verifies that the XXXX payment is there, it was not late and late fees and interest due should not have been charged by SPS. 
SPS will not research the incorrect information, and will not contact me either by phone, or by mail that the " repair '' that I have requested since their takeover in XXXX has been completed, and that XXXX XXXX has received a new closing statement.
Consumer complaint received 2019-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I purchased a computer from a local computer /cellphone repair company for {$450.00} dollars. I purchased it from the owner he told me to make sure it worked when I got it home this was confusing to me but I agreed. I hadn't had time to try the computer until Sunday the XXXX. However on Saturday I received a call from the owner asking me if the computer worked with him on the phone I connected the computer and it indeed turned on. The next day I had the first chance to use the computer it was then that I realized the computer wouldnt update to any of the products that I needed if for. Because the system was outdated and wouldnt allow for updates. I immediately called and left a message with the owner stating I'd he returning the computer. 
I returned the computer the following week within 1 week. 
When I got to the store to return the computer one of the owners received the computer but said the other owner had my money for the return since it was a debit card transaction I said it so the funds should be returned to the original form of payment. When the money wasnt returned I contacted the merchant he said it was a consignment it and the owner hadnt returned his calls so he only had half of my money which he offered to give me but he wanted me to sign an agreement stating I would accept half of what he sold it for if and when he sold it no matter how much that was. I questioned him regarding no posting of the return policy. His response was well ypu should have asked me about the policy. I told him that the state of MA allows any return policy but whatever that policy is it must be posted and it wasnt. All of this was made clear to Bank of America when I disputed the transaction they denied the dispute stating the merchandise wasmt returned even the merchant didnt dispute that they have the computer the merchant also supplied there return policy which states that consigned items can be returned within 1 week. The merchant also supplied a false invoice that states consigned items cant be returned but they also supplied there return policy that they claim is on the wall in clear view of customers within this policy under merchandise you will see my claim that comsogmed items can be returned it's my contention that bank of America didnt investigate this claim they simply denied it I have all the supporting documents to send proving my claims
Consumer complaint received 2023-04-10
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. (IL)

These are the several times that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I opened an auto loan XX/XX/XXXX through USAA. I had always paid the loan on time and even was paying more than the amount that was due. I paid extra in XX/XX/XXXX which bumped the due date for my next payment to XX/XX/XXXX. USAA sent my auto loan to collections as a charge off in XX/XX/XXXX. They never notified me before sending the account to collections. USAA had even reported to the credit reporting agencies that I had never had any late payments and payment was current and up to date. I called USAA multiple times and spoke to them on the phone for many hours after finding out about the charge off. I was told by the USAA bankruptcy department that even though my account was current and not late, it had been charged off due to account inactivity and there was nothing they could due to correct the information. I paid off the account and now, over 2 years later, it is still showing up on my credit report as a charge off. I contacted them recently to try to resolve the issue again, but they responded that they have insufficient information to investigate the problem. I have screen shots and my checking account statements to support my information, but all my auto loan statements are mysteriously missing since XX/XX/XXXX and I have no access to them. I also have phone recordings of my conversations with the USAA bankruptcy department that can verify this information.
Consumer complaint received 2023-04-10
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. (IL)

These are the several times that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX.
Consumer complaint received 2023-04-10
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 Balance : {$0.00} 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 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX re-aged a old debt that was never properly report to the credit bureau by the Fair Credit Reporting Act. The debt is an old debt back in XXXX and they are saying it a fresh debt from XXXX. This account was never on my report, so I believe that they only have 180 days to report this on your credit file. They are 1825 days to late to report this which violates my rights.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (NJ)

I recieved a letter from what appears to be a law office in XXXX, Ca. They are threatening to file a form 1099-C against my XXXX taxes. The debt that they are claiming is not owed and is dated XX/XX/XXXX.
Consumer complaint received 2019-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (IN)

I have money on deposit with Chase Bank. It is my money. I tried today to schedule a valid payment of {$600.00}. Chase accepted the transaction but delayed it pending " review. '' No other explanation was provided. I waited a reasonable time ( 12 hours ) then contacted Chase. My first call was put on hold 5 minutes when I got a recording saying they were too busy to answer, and I should call another number.. 

Then I called a customer service number. they said they would not help but would transfer me to XXXX. 

I called that number and was on hold 30 minutes. 

Meanwhile I tried the website again, and when I tried to log on, I received the following message : " Important : We locked your account to protect it from suspicious activity. 
To unlock it, call XXXX. 



After waiting on hold for 30 minutes, " XXXX '' answered and asked me personal questions about my transaction that were none of her business. Nevertheless I answered her questions. She put me on hold again, and returned and said she would not help me. I insisted on an explanation, and she refused. 

This is not just bad service it is theft! The minimum a customer should be able to expect from a bank is that if the customer deposits good money, he should be able to draw it out when he wants. Even if the bank has no sense of ethics, there must be some regulation that requires that they not obstruct my transactions and confiscate my money
Consumer complaint received 2023-04-10
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. (MN)

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. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 2019-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have disputed the collection amount of XXXX with Portfolio Recovery several times. The amount owed is incorrect and has been settled. This debt is no longer valid. ( Non-verified ) please remove from credit report. Under the FCRA is information is incorrect.
Consumer complaint received 2023-04-10
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX WY XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/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 2020-09-15
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. (MI)

This company is reporting me for being delinquent. I paid for them months and months ago. 

I reported them to YOU. They said I'm not delinquent. My report literally says delinquent. 

They're committing fraud, then lying about it, AND YOU DO NOTHING. 

Please help me.
Consumer complaint received 2023-04-10
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. (VA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX  XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX VA XXXX XXXX  XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XXXX Balance Owed XXXX {$280.00} XXXX XXXX XXXX  XXXX Balance Owed XXXX {$540.00} XXXX  XXXX Balance Owed : {$310.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-10
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. (NY)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} XXXX ( XXXX Creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-02-03
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. (OH)

I was trying to look at a new car when my credit was pulled I saw several accounts that I have never done business with, I don't have any paperwork or bills from collections agencies or any type of notifications. I have been back and forth in College between XXXX and XXXX. I now live in Florida. Someone has you my information to open accounts and credit. 
XXXX XXXX File Number : XXXX EQUIFAX Report Confirmation # : XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX  # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are not mine on my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am a victim of ID The