davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

MY NAME IS XXXX XXXX I AM MAKING THIS COMPLAINT ON THE BEHALF OF MYSELF WITHOUT ANY THIRD PARTY OR INFLUENCE PLEASE SEE THE ATTACHED DOCUMENTS AS THEY STATE MY FULL COMPLAINT
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

This Morning, XX/XX/2022, I Spoke With A, " XXXX, '' And I Requested DELETION Of ANY CARD PREVIOUSLY Used To Pay Monthly Membership Of XXXX DOLLARS. 
I Also Requested Today 's Prorated Amount As I Am CANCELLING ENROLLMENT TODAY. 
" XXXX Quoted XXXX And I Questioned Why So Much For Just ONE WEEK???? 
I REFUSED TO GIVE MY CHECKING ACCOUNT NUMBER, OFFERING TO PROVIDE SOME OTHER MEANS FOR THIS LAST MONTH 'S PAYMENT. 
PLEASE PROVIDE AN ALTERNATIVE METHOD FOR PAYMENT.
Consumer complaint received 2021-11-06
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. (TX)

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. I sent XXXX XXXX, Equifax and XXXX all my FTC report back on XX/XX/XXXX and havent received any response Under the FRCA they had to block information from my CONSUMER report and FAILED TO DO SO within the 4 days of receiving my letter. I have over 30 INQUIRIES WHICH I DID NOT Commit nor gave my authorization so they are unauthorize!
Consumer complaint received 2022-05-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

PENNYMAC did not communicate well at all regarding my refinance. I was never called to discuss my appraisal, nor was I given a reconsideration when asked for it. I even asked for documentation stating a reconsideration was asked for and was told they did not provide that. My appraisal came in at XXXX less than what homes around me are selling for and my home was built in 2020. The company failed to enlighten as to why that was or work in my favor. The company failed to discuss the actual cost in fees to buy down my rate charging me an obscene amount in points. Without even mentioning it. I would highly advise anyone to use any company other than PENNYMAC
Consumer complaint received 2019-03-21
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

Dear Sir or Madam, Please accept this as my formal complaint that ConServe lied, in their attempt to settle my accounts. On XX/XX/2018 at XXXX I spoke to a lady at ConServe. When speaking to ConServe, she misrepresented which accounts would be taken care of with my payment. She stated that my payment of {$620.00} would settle all 3 debts ( 2 for XXXX XXXX XXXX  and 1 for XXXX XXXX College ). She specifically used the terms " released and forgiven '' when referring to all 3 accounts if I made the payment. If I had known that it would not have forgiven all 3 debt accounts, I would have made other arrangements to secure their release. 

It should be made clear that I was fraudulently told that my payment would satisfy all 3 debt accounts. As of today, a different agency is now calling for the XXXX XXXX XXXX University accounts and I am being informed that payment has not been made. 

It should not be legal for ConServe to misrepresent their ability to settle on behalf of their client ( the schools ) in order to obtain some of the money that is owed. I was willing to come to some form of agreement and was given the impression that I was settling all the accounts. 

XXXX XXXX
Consumer complaint received 2020-11-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

It must have been XXXX or XXXX. Someone attempted to deposit a check into my bank account after my debit card was stolen. I was not aware of this until Bank of America put a hold on my account due to this issue. I went into a branch a few time and was told that my account was closed and had a negative balance. I filed an appeal and was still turned down. In XXXX I could not open a bank account and decided that I would go ahead and pay the negative balance so that I could move forward with a new account at another bank. I did so and was never informed about a database that had my name attached to bank fraud. I didnt know about this until today. I called BOA and spoke with the fraud department and was advised that this matter was going to remain as it is and theres no solution to having it removed. I really dont know what to do. I have tried to explain that Ive never done any fraudulent activity with any banks. Im almost XXXX years old and I just want to open another account to manage my finances. Things have been very difficult for me because of all of this. It just seems so unfair that no one will listen or understand my position regarding this issue.
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (LA)

Several reports placed against my credit file and disputed to the credit bureau have nothing corrected after many attempts. They include bills for medical accounts which I have reported were already paid and some for services not rendered, reported to reporting collection agencies on behalf of the physicians. 
A bill for {$79.00} reported by XXXX XXXX of XXXX Was paid in full. A bill for the amount of {$200.00} on behalf of XXXX XXXX XXXX reported by XXXX was already paid in full by the insurance company XXXX of XXXX. 
A bill for {$370.00} reported by receivable recovery on behalf of the XXXX XXXX physician group is also in error and was paid in full By XXXX XXXX XXXX XXXX of XXXX 
A bill for the amount of {$360.00} reported by the XXXX On behalf of XXXX XXXX XXXX Is for services not provided and is therefore in error. 
There was also reporting errors on student loans including XXXX XXXX that are currently good standing. 
several addresses recorded against my person the name are an erroneous and fictitious They includes the following : XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX, XXXX, XXXX XXXX Because I have been a victim of identity theft on several locations throughout the years I have been forced to play the freeze on several of my accounts to further protect my integrity and identity. 
I refuse to be harassed and bullied by unscrupulous recovery companies who attempt to use high-handed XXXX tactics to squeeze consumers out of unsubstantiated debts incurred by dubious fraudsters of identity theft and therefore providing give them the rope to hang my purse and person. 
All personal credit extended to me have been diligently paid on time according to the contract stipulations signed and agreed to.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I am aware that as a federally protected consumer, you have no legal standing and are unable to hire counsel, a lawyer vs. a consumer who is protected by the law. This account doesn't even reinvestigated date reported was way back 2020.
Consumer complaint received 2021-03-08
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. (MA)

These Student Loans was deemed fraudulent by the Attorney General of Massachusetts XXXX XXXX and the Commonwealth of Massachusetts XXXX, Superior Court ( CIVIL ACTION NO. XXXX ). The CFPB has also filed a complaint against XXXX XXXX XXXX XXXX XXXX for Defrauding Students. These Loans are also in Administration Forbearance after I have filed a complaint with the U.S. Department Of Education for generating these student loans fraudulently through the Borrower Defense To Loan Repayment act. I am also part of the Class Action Adversary Proceeding Complaint filled in the United states Bankruptcy court of XXXX District of Indiana, XXXX Division ( Chapter XXXX Case No. XXXX ).
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate.
Consumer complaint received 2022-05-06
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 they violated my rights. 
Please delete the following items : Chapter XXXX Bankruptcy Case Number : XXXX XXXX  XXXX Account Number : XXXX XXXX, XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not authorize these inquiry requests mentioned in the list. I have reported the theft of my identity to the Federal Trade Commission and I have attached the identity theft report.
Consumer complaint received 2019-08-29
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. (NC)

All of XX/XX/2019 XXXX/XXXX keeps reaging a debt even though they sent me a 1099-C and debt cancellation letter agreeing there was a {$0.00} balance. Now they are adding a balance past due monthly, even past the statute of limitations here in North Carolina, constantly reporting a past due balance of {$2000.00} to my XXXX report, XXXX report, and Experian report. They only temporarily fixed it after I first complained but then continued these practices on my credit reports. This is my second time trying to get help with this company reporting a balance even though they stated to CFPB and myself that they willl report a XXXX balance and fix that false past due reports years later. I want all the past due removed from my XXXX and experian reports as soon as this is received and I want the {$0.00} balance to show on these reports. I shouldn't be charged taxes with a 1099-C then suddenly it is past due even being a very old debt that they promised to remedy assuring a reporting of a {$0.00} balance.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX I wrote XXXX XXXX XXXX XXXX a letter to ask for a copy of a 1099 because the above account is charged off. This is not a refusal to pay but I believe that XXXX is in violation of the FCRA and FDCPA because I received a letter from XXXX in response to the 1099 and they responded by saying that the account was charged off in XX/XX/XXXX for {$14000.00}. The problem is they have continued to add charges to the account to now make the balance owed to {$16000.00} according to the XXXX credit report that was pulled. I have two other accounts that are charged off with different companies and the balances have not increase after being charged off. I don't understand why the balance of this XXXX continues to increase an estimated 25 dollars a month.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

The following items are found to be erroneous in my credit report. I would like to seek your help to have these items blocked from reporting in my credit report. All the accounts listed below were closed and fully paid to the creditors but the Bureaus kept on reporting the same accounts without supporting documents submitted to me. Besides, they have failed to contact me about the issue which I have already addressed to them in my previous letters. Have these items removed immediately : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$1900.00} XXXX XXXXXXXX Balance {$14000.00} XXXX XXXXXXXX Balance {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} XXXX ( Original Creditor : XXXX ) XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$1500.00}
Consumer complaint received 2022-05-06
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: AMERINATIONAL COMMUNITY SERVICES, INC. (OR)

In accordance with the fair credit Reporting act XXXX  Account Amerinat has violated my rights 15 USC 1681 Section 602 States l 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 2022-12-14
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. (WI)

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  opened XX/XX/2022 in the amount of {$330.00}, 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 inaccuracy.
Consumer complaint received 2022-05-06
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. (NC)

In accordance with the fair credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-05-06
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. (NC)

In accordance with the fair credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-05-06
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (TX)

In accordance to the fair credit reporting act 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 an 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 2020-11-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO. (MN)

Chase Marriott Card XX/XX/2020 Caller left me a voicemail regarding a correspondence along with a phone number to call them back. Called phone number and spoke with agent. She would not connect me with the other party, nor provide details to what the original call pertained to. 

Representative kept repeating the same question and telling me I was being argumentative and unwilling to provide her with the details she needed to connect the call the correct party even though I provided a word-for-word account of the message that was left for me. 

Representative then threatened to take immediate negative action on my account if I would not set up a payment plan.
Consumer complaint received 2022-01-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Credit File XX/XX/2021, Confirmation # XXXX, Credit File XX/XX/2021, Confirmation # XXXX, Credit File XX/XX/2021, Confirmation XXXX. 

Equifax is reporting the XXXX XXXX account which is identified as an installment loan which is factually incorrect. The true account type is a credit sale agreement. I have a right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file. 

XXXX XXXX is required to report accurate information. The continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Consumer complaint received 2022-05-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (CO)

In XX/XX/2021, I went into XXXX XXXX to open a monthly membership of {$10.00} a month and they ended up creating a renewal contract for {$200.00} biweekly payments for a total of {$2400.00} that I did not sign or commit to. It wasn't until the first payment of {$200.00} hit my bank account that I realized there was something different submitted as a contract. I went into the facility to have them fix it but they said the person I needed to talk to was not in. It wasn't until the third attempt that they said she is no longer with the company. Because I was unable to resolve it with XXXX I turned to my bank ( Chase ) to dispute the charges. They did reverse the charges. However, now the " debt '' is being reported on my credit reports by collection agency Aldous and Associates. I will also enter a dispute with them, however I want to ensure this gets removed, as it dropped my XXXX XXXX by XXXX points.
Consumer complaint received 2022-05-06
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have called and sent multiple letters to this company regarding My daughter SSN and credit profile. She shouldnt have one she is XXXX years of age. Her SSN keeps being used. I would like her report to be erased and blocked as this is not her. I have attached her school Id and ssn card. Her date of birth is XX/XX/2009