davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Everest Receivable Services Inc. (NC)

A person called me claiming to be from Everest Receivable Services. He told me he needed the last four digits of my Social Security number before he could tell me why he was calling. I asked him explicitly three times if he was a debt collector, and he refused to answer unless I gave him my SSNs last four digits. When I told him I would not give personal information without full transparency from him, he said goodbye and hung up.
Consumer complaint received 2021-09-10
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 I send an affidavit to JPMCB Card about a hard inquiry that was put onto my consumer report. After doing some research I see that this is JP Morgan Chase Bank. According to 15 USC 1681n ( B ) this is a violation to my rights. 
I sent an affidavit through certified mail with tracking number : XXXX. I have attached the notarized affidavit that was sent with the invoice and exhibit A. Please see attached for further information
Consumer complaint received 2017-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (NY)

The company has sent me bills and I explained yo them I have know knowledge of this bill or the services. I asked for mote documentation and never received it, and instead they placed it on my credit score. I am afraid of someone using my identity and getting fraudulent bills because they have no valid documentation or knowledge of the services they sent me a bill for.
Consumer complaint received 2017-10-02
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. (CA)

the late on my XXXX account is inaccurate i have tried to called the creditor and they sent me a letter hence attached for which they approved of being inaccurate and removed from bureaus. 
but the bureau are not cooperating to have this removed please help me to remove thank you
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have filed a dispute over and over with XXXX XXXX there was 2 account open fraudenlty in my name one have since been removed but I have one they keep claiming belongs to and the infomation they are using is a phone number that activated the card that do not belong to me I advise it to them that its not my my phone number the name and number its with XXXX XXXX XXXX under XXXX XXXX and im beimg advise it under XXXX with my name which XXXX have no record I faxed proof and they claim its not vaild this is hindering me and I need removed right away
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The XXXXEquifax/XXXX XXXX  Bureaus are reporting inaccurate information in XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-10
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. (NC)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$5100.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

This has been an ongoing issue since XXXX of XXXX. The reasoning behind this complaint is that I am unable to see my Equifax credit score anywhere BUT Equifax.com. By law I should be able to pull my score collectively from any platform. With the Score showing as a XXXX on multiple platforms, I fear it is affecting my chances of getting any approval for a line of credit/any funding. On the Equifax website, it states that XXXX XXXX, XXXX. is who is the partnered party involved with reporting an accurate credit score, so I am requesting Equifax verify my score with them, as well as Equifax do their due diligence to be sure my score up to dateshowing as a valid score in all of their internal and external systems. 

Please refer to personal statements and screenshots sent out in hopes of rectifying this issue before now. I have spent so much money going back and forth with Equifax via mail, I just need this resolved immediately. Will not go another month not knowing whats going on with my score, and why it will not show up anywhere else.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Date of Birth : XXXX XXXX Social Security Number : XXXX There is a tax lien on my credit report with XXXX and Transunion that should not be reported. I have attached the documents showing paid. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2017-11-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NJ)

I was recently reviewing my loan contract because I do not understand how my unpaid principal balance is so high based on the amount I borrowed 4 years ago. 

I pulled all of my loan contracts for review and noticed a substantial discrepancy. The day that I took delivery of the new vehicle from the dealer, gap insurance I wanted was omitted, and you will notice that loan contract used an interest rate of 11 %. About 4 weeks later, I returned and was asked to sign a new contract that included the gap insurance, and the new loan contract appears to have an interest rate of more than 21 %. I do not understand this and believe I have been the subject of a bait and switch scam and also believe I have been treated unfairly and deceptively. 

Additionally, I asked someone who knows a lot more about these matters more than my husband and me, and he ran an amortization schedule for the loan. He seemed to think that the unpaid principal balance could be more than {$4000.00} too high. 

We firmly believe the car is so far under water, partly due to the potential incorrectness of the amortization schedule. 

My family is poor and we have lost my husbands income due to an awful workplace accident that has rendered it difficult for him to work. We barely get our bills paid, and I would like to know why the interest rate for this loan appears to be 10 points higher about 4 weeks after closing than it was earlier at loan closing and car drive away. 

Please help us. I can not afford an attorney. 

Thank you in advance.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2021-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

1.XXXX  XXXX XX/XX/21 I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 
I contacted TransUnion, and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business
Consumer complaint received 2022-09-10
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: Merchants Credit Bureau, Inc. (GA)

In accordance with the Fair Credit act MERCHANTS CB XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2019-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I opened checking account online with citizens bank. The initial deposit check was sent from my XXXX XXXX to citizens bank fulfilment center. That check was deposited XX/XX/XXXX Citizens bank has this {$8000.00} deposit on hold until XX/XX/XXXX. I have called citizens bank and visited the XXXX XXXX branch. I am getting a run around with no clear solution.
Consumer complaint received 2017-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (DE)

XXXX XXXX, 2017 I submitted information to the emails XXXXXXXXXXXX and XXXXXXXXXXXX at the company Procollect. They requested that I submit copies of my utility bills 3 years back proving that I did n't live at the stated address of the utility bills and a police report stating that identity theft had taken place. 

After complying with this request my account was escalated to a XXXX XXXX, who I was told would call me regarding the account. This never happened. I did however get some paperwork that stated that my accounts were now zeroed out. 

Eventually I signed up for a monitoring service and noticed there were still some issues with them. They somehow did n't connect the dots and realize that the other fraudulent account was related. 

I have since contacted XXXX XXXX at procollect and he has yet to contact me, I have not received any notice that the accounts were corrected and I have checked XXXX XXXX and I am still able to see the issue. No one else will speak to me at the company because my account has a special status and only XXXX XXXX is permitted to speak to me. 

Any assistance with this issue would be appreciated as it seems I have exhausted my own resources.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

I had an escrow analysis, it said my escrow was deficient {$500.00}. I paid {$700.00} to keep from paying the interest they tried to charge me. On my statement, it says they are refunding {$210.00} instead of allowing the money to sit in the account. As my loan servicing company, they should not being charging me interest on my escrow, unless it is deficient the funds. I spoke to my county tax office and they said they have not yet determined the amount of the tax increase for this year. I added extra money to my escrow and my principle and they are still trying to raise my mortgage payment on a fixed mortgage, but no one can tell me why the large increase on my mortgage. I do know, the property tax can not raise more than 3 %, my insurance hasn't changed yet either. Why art they stealing from me? Could you please help me understand.
Consumer complaint received 2017-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION (MN)

My wife and I do not have ANY accounts with Fifth Third Bank. However, they keep calling our numbers despite being told multiple times in the past several months that our numbers are listed on the do not call list and are unlisted/unpublished. We have also told them multiple times to stop calling us and to remove our numbers. Obviously, they have not done this since we still get calls. Every time we get a call from them it is a live person that says they are trying to collect a debt. As mentioned, we do not have a debt with Fifth Third Bank and this is just plain harassment! We have filed a complaint with the Do Not Call registry and will be following up with the Better Business Bureau as well as the FCC to report Fifth Thirds continued harassment activities. Tonight, I spoke with someone who assured me the numbers will be removed. I informed him that I would be filing a complaint with the Do Not Call registry as well as any other applicable agencies. If this harassment does not stop we will pursue other legal action against Fifth Third. This complaint process asks for my information as the borrower but as I am not said person the contact information is skewed. This is so that my personal identifiable information is not divulged unnecessarily.
Consumer complaint received 2017-11-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Since XXXX, 2017 my three loans serviced by Navient have raised my interest rates by 1/4 % three times. My rates have gone from 5.5 % to 5.75 % to 6 % to 6.25 %. Every time I call ( the first time on around XXXX XXXX ) I have been getting the run-around and bounced to different agents at Navient that tell me I can not consolidate this loan or lock in the current interest rate. I 've been informed that I must simply allow my interest rate to rise without having the power to do anything about it. I asked to speak with a superior or manager and they have refused to connect me.
Consumer complaint received 2017-11-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Express Recovery Services, Inc. (UT)

I received a gas bill collection notice from a recovery company stating I owed over {$2400.00} for a past due account. When I called the recovery company they told me it was for an address related to my husbands business. When I told them of their error the man on the phone told me that I was liable for the account under the Family Necessities Act. Basically that I am liable for anything that relates to the household. He then told me that I would need to call an attorney as they were moving the account to a judgment against me. 

When I reviewed the Utah Law, it is clear that if this were for our home gas bill I would understand. But he would not listen to my complaint even though on their billing notice it says XXXX XXXX  XXXX XXXX. Again, clearly indicating he was in error. The account itself says commercial. 

The address in the account when XXXX shows it is a business - not a home. I cant afford an attorney and want them to clear up the confusion rather than telling me they are filing a judgement against me.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX and TransUnion are reporting a government overpayment as a collection with a balance of {$10000.00}. The account was included in my bankruptcy and was previously disputed as such. However, this should n't even be reported on my credit report as it is not a consumer loan/debt.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Letter submitted to Transunion on XX/XX/XXXX via Transunion online dispute portal XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX Transunion XXXX XXXX XXXX XXXX, Pennsylvania XXXX ATTN : TRANSUNION DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX XXXXXXXX and the likes. 

US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. Having the above-mentioned information, TRANSUNION is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. 


I am hereby demanding this entry be permanently removed from my Transunion consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against Transunion..
Consumer complaint received 2022-12-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc. (AZ)

On XX/XX/2022 I applied for a loan with Conns home direct for an XXXX laptop. After repeatedly trying to contact them on movement of the product, I finally canceled the purchase over email with their team, which I got confirmation the cancelation was made. On XX/XX/XXXX, I found the purchase on my credit report. After calling multiple times, I found the computer was purchased in XXXX ( a new and separate purchase ) and delivered on XX/XX/XXXX. During that time, I never received emails to confirm the purchase, sending the tracking information, or any of the other emails that were sent with my previous purchase. Also, there was not any logs on my nest doorbell of any delivery for that day that may have been stolen. I requested the company remove this information from my credit report over the phone AND through a credit dispute. They in turn updated the dispute to show a payment was made, which I did not do. And have not made any attempt to cal back. On my calls with them, I confirmed all my information was correct so how I never received or show any of this from my emails, payment account, or delivery address screams that there is something more going on other than someone stealing my identity.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (MD)

I have 2 complaints for this company Ally credit. One is that they made repeated harassing phone calls to my number XXXX well and beyond what is required by regulation F. Twice on XXXX, twice on XXXX, XXXX, twice on XXXX, XXXX and so on leaving voice mail messages each time, even after a verbal request to stop excessive calling. After complaining that they were violation the FDCPA calls ceased. I entered into a reduced payment agreement with the company for XXXX a month on XX/XX/26 prior to my payment for XXXX becoming due. I paid above the required XXXX in that statement month but was still advanced an additional stage of delinquency. I continue to receive statements and letters from ally advertising that they could put me on a payment program despite already being on one. I called the company and they provided various amounts and delinquent stages on the account while acknowledging again that they had accepted the program and i had paid the agreed upon payments.