davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
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. (TX)

I filed bankruptcy and all debts owed were included and discharged in 2019. I communicated this with the debt collection company ( XXXX XXXX XXXX XXXX ) and they stated it was was not. In the event that this is true, I did not obtain, apply or consent to this loan ( XXXX XXXX ) and therefore it was obtained as a result of fraud and should be deleted immediately. 

I also contacted all three credit reporting agencies and disputed these directly ; no action was taken. This despite me providing bankruptcy information which was discharged in 2019 ; and the debt collection being reported 18 months later after the original debt was successfully discharged.
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello I asked the credit bureaus to do a verification investigation of my credit report and validate the accounts that were on my report.The reports came back & said it was accurate. I did a research myself and found improper inaccurates on my report even after they did their investigation. 



Accounts : XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights. 

# XXXX # XXXX # XXXX # XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1684 section 604 A. It also states a consumer report agency can not furnish a account without my written instructions.
Consumer complaint received 2021-08-26
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: All Debt Solutions Inc. dba: 1st Class Agency (NY)

XXXX XXXX had my contact information and instead of using it, chose to call my mother and pressure her. She said the debt was regarding my owned property ( it's not, it's a medical debt ). My mother called me to explain and I've since sorted the situation out directly with the billing company, the debt collection was rescinded. However, when I spoke to XXXX she was aggressive and lied several times. She told me that there's no way to know when the debt would be submitted to the credit agencies, so I should pay immediately - trying to pressure me into paying without researching the information or even receiving the billing information. She told me that we could postdate a form of payment and tried to pressure me into paying that way ( again, without giving me any of the bill information or time to reach out to the billing company directly ). XXXX likely knows the laws and was looking to skirt them for her own gain, but clearly has crossed at least one line.
Consumer complaint received 2021-08-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

I returned my car to Nissan in XXXX. 
In XXXX of XXXX I received a bill from Nissan for the XXXX, CT local taxes related to the period of time after I had returned the vehicle Because XXXX had not filed the right paperwork to close out the account with the government, XXXX had billed the tax I contacted XXXX and was able to easily have the charges reversed, but was told that Nissan needed to request the refund. 
On XXXX I sent Nissan what they requested to process the refund On XX/XX/XXXX I confirmed with XXXX government that they had not received any request from Nissan I also contacted Nissan who said it may take several weeks for Nissan to request the refund.

At the same time, Nissan is continuing to send me letters demanding payment and has indicated they will put me in collections I do not believe it is reasonable or legal to request payment and put me in collections for a tax that is not in fact owed and is awaiting Nissans request to close out Attached is my transcript with Nissan from XX/XX/XXXX where Nissan acknowledges the key facts above.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

I am writing to formally dispute several negative items currently listed on my credit report, which I believe to be incorrect and unverified. These erroneous entries are severely impacting my credibility and financial standing.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

I have a credit account with JPMCB that is delinquent. I am going through a security clearance with the XXXX. I needed to make payment arrangements. I called Chase on XXXX XX/XX/2022 @ XXXX XXXX  and spoke with XXXX. She stated that I needed to call the collection agency XXXX XXXX. I called and spoke to XXXX. XXXX was unable to process a payment and stated that since I am military, they were sending the account back to Chase in the military department. I called Chase in the military department and spoke to XXXX. She transferred me to XXXX in the core services team which then transferred me to the charge off department. I then spoke to XXXX who informed me that I could not make a payment arrangement with them because XXXX XXXX were handling my account. I explained what XXXX had told me earlier on the call and she stated to just call and not tell them I was military and to withhold any information regarding my military status. I called XXXX XXXX back and talked to XXXX. XXXX stated that she could only take payment in settlement or payment in full. That XXXX XXXX was not able to take payments as this account is being sent back to Chase for further review.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Early Warning Services, LLC (CA)

XXXX XXXX XXXX has been constantly charging or withdrawing money from my account for multiple years which lead me to requesting an account closure. However the account is reported to EarlyWarningServices as a closed account by the granter. This information is incorrect and EarlyWarningServices verified that the information about insufficient funds from XXXX to XXXX are inaccurate.
Consumer complaint received 2021-08-26
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: CAINE & WEINER COMPANY, INC. (PA)

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Consumer complaint received 2021-08-26
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. (IL)

This letter is a formal complaint that Equifax IS NOT reporting correct info on my credit history. I am distressed that they have not included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. Add this positive account to my report XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. Add this positive account to my report XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. Add this positive account to my report XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

7. Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

8. Add this positive account to my report XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


Failing that, these items should be ADD to the report as soon as possible. Please CORRECT this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours,
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (CA)

I received a report from XXXX stating two accounts from JP MORGAN CHASE were opened and closed shortly after without my authorized written consent. Account numbers XXXX and XXXX. These accounts were open in 2016 and closed less than a month after open.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I recieved a report from XXXX stating two accounts from JP MORGAN CHASE were opened and closed shortly after without my authorized written consent. Account numbers XXXX and XXXX. These accounts were open in 2016 and closed less than a month after open.
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (NJ)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am reporting because I am really getting annoyed with the business practices of this card. I understand that it is a card for those with limited to bad credit, but the fees are outrageous. It was reported that XXXX maxed out or exceeded my limit. I did not max out the card. The fee of {$49.00} was added to the statement, making the account {$600.00}. It was not maxed out on my end. The added fee was what gave that result of {$600.00}. I paid for an XXXX XXXX & rental with this card & was strategic on not maxing out the card. Additionally, I did not receive a reminder of payment for the first month payment. So, after only 3 days grace period, I received a $ XXXX {$45.00} charge that was reported again. All of that which is reported is not helping my credit.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I recieved a report from XXXX stating two accounts from JP MORGAN CHASE were opened and closed shortly after without my authorized written consent. Account numbers XXXX and XXXX. These accounts were open in 2016 and closed less than a month after open.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XXXX has been reporting my negative account over 7 yrs. they have made false reports about account being late 4 after years. i was late for payment first year of loan and they arrear balance..fcra states 7 years. i disputed information with experian.trans union and equifax. stating first late payment was XXXX..when first late payment was XXXX..due to hardship i was going thru. unable make payment they agree to arrear two months payments XXXX..i wish have remove immediately from all credit agencies.
Consumer complaint received 2021-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NJ)

ON XX/XX/2021 i filed a CFPB complain with the complaint number XXXX-XXXX  because there was an alleged debt being reported on my consumer reports. I sent the company a cease and desist and also a debt validation letter the company responded saying they have requested the documents from the original creditor. I received mail from the company a couple of days ago they sent me a membership agreement between me and blink fitness, Under the FDCPA this does not meet the requirements of validating a debt so I demand that this unvalidated debt be removed from my consumer reports immediately. Also pursuant to 15 USC 1692G as the original creditor only I can validate a debt and I do not validate this debt. I also found a couple of violations in the letter they sent me attached with the rental agreement which is a {$1000.00} per violation the alleged debt is for a {$130.00} it will cost you way more to keep trying to collect on this alleged debt than to remove it from my consumer reports and XXXX out the balance because I am a federally protected consumer and I know my rights and power I am prepared to go the distance if this issue is not resolved immediately. My next action if I dont get my desired outcome is to send an invoice for all the violations I found and also sue you in court for it and also for defamation of character my credit report is a reflection of my reputation and you are damaging it the ball is in your court now
Consumer complaint received 2015-12-03
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

Lender has a {$150.00} service fee which is added to the finance charge at closing. However, the APR is not adjusted to reflect this. Thus, the APR is incorrect. Also, since the top rate is 27.99 %, adding the service fee would violate usury limits.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, TX XXXX XX/XX/year> Subject : Dispute of Multiple Accounts Dear Experian, I am disputing the following g accounts on my credit report and the errors associated with them. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The account is not mine. I am a victim of identity theft and this account does not belong to me. 
I request a FULL investigation and or delete the account from my credit report. Thank you for your prompt attention to this dispute. 

Account Name : XXXX Account Number : XXXX This account contains inaccurate date information including opened date, close date and payment history. The information reported does not align with my records. The opened date is reported completely different on XXXX and is not reported on XXXX at all. The closed date is incomplete and does not align with the other credit reporting agencies. 

I'm requesting a FULL investigation into this discrepancy to ensure the accuracy of the dates and payment history associated with this account or delete it from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-27
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (TX)

I closed my home loan with Veteran 's United in XXXX of XXXX. My taxes and homeowner 's insurance paid by escrow. The lender made an error in stating the first property tax due date was XX/XX/XXXX on the disclosure documents detailing what my costs as the borrower would be to purchase my home. The initial property tax due date was actually due XX/XX/XXXX. There were insufficient funds in escrow to cover the amount due to to the lenders error. Veteran 's United has now raised by monthly mortgage payment by {$710.00} per month to cover the escrow shortage. I can not afford this increase and should have been told of the cost to purchase prior to being issued the loan, not after so that I could budget accordingly.
Consumer complaint received 2023-03-08
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Multiple letters have been sent out to Transunion Credit Bureau. And they have failed to respond and provide validating information in regards to the collections that are being incorrectly reported as well as inaccurate. I have already clarified my intent to pursue both this complaint and legal action towards the following accounts which were brought to the Transunion bureau 's attention : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-26
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: Idaho Housing And Finance Association (ID)

Idaho Housing ( mortgage lender ) continues to show payment history for 1st and 2nd mortgages made after Chapter XXXX bankruptcy on XXXX  credit report. Additionally, lender has failed to report that the 1st and 2nd mortgage were included in the bankruptcy on my XXXX  credit report. Also, the 1st mortgage shows up as being closed and the 2nd mortgage as being open. Due to the bankruptcy laws, the mortgage company is not permitted to report anything on the account, including payments, balance or missed payments AFTER the bankruptcy has been discharged ( XX/XX/2016 ).
Consumer complaint received 2023-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I have been trying to work with the mortgage to resolve this matte for some time but they went into forclosure without due process. 
I would like to pay with a negotiable instrument which within my legal rights. The bank is denying my right to pay through a negotiable instrument/Tender of payment.
Consumer complaint received 2021-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (OR)

It has come to my attention NetCredit is not licensed to do business in the State of Oregon where I reside and continues to do business here. Therefore, in accordance with ORS 725.045 my loan agreement with them is void and needs to be removed from my credit report immediately. NetCredit knowing and willingly broke the law in an attempt to get me trapped in to a loan with an interest rate so high that it is also illegal in my state under ORS 725.340. In addition to all other unlawful acts there is also nowhere in my contract an APR % listed. The harassment over this unlawful loan was unbearable to say the least. Calling me repeatedly and interrupting me at my place of work, at my church, during dinner, and every other minute of the day. Then the threatening emails flooding my inbox just added to a level of stress I already couldn't cope with was pure insanity, but that wasn't even the worst of it. I have made multiple attempts to contact the company directly, but have been unsuccessful in actually talking to a real person thus far other than an email reply ( attached ) stating that they are allowed to charge any interest rate they want and are licensed to operate in the state of Oregon which they are not.