davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Express Recovery Services, Inc. (UT)

I have sent disputes to ALL 3 Credit bureaus and have yet to receive a response. It has been over 60 days since my dispute. By law they are supposed to respond.

Express Recovery services is reporting 7 erroneous accounts on my credit report.. 
( XXXX, XXXX & XXXX ) - these accounts should have never went to collection because we have insurance. Also these were paid XXXX to them reporting to credit if you look at the attached document. They were paid in XXXX but they put them on my credit in XXXX? These are a violation and sent to collection in error!!!
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are two accounts on my credit report that are not mine they do not belong to me I have not applied, signed or used these accounts nor do I know how they got there. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX
Consumer complaint received 2017-08-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I had a bankruptcy discharge on X/XX/17 and have attached it to this complaint. My complaint is against USAA Credit Card XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. USAA Credit Card XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. XXXX. I am uploading a copy of a credit card statement they sent me whereby they are billing me for debts that were discharged in bankruptcy. They are not supposed to be doing this as this is in direct violation of the bankruptcy discharge injunction against them and they are robbing me of a fresh start. My concern is when this statement closes on the next statement cycle, or XX/XX/XXXX, they will report this to the credit bureau. This debt was supposed to have been written off by them. This debt was included in my bankruptcy and I have the claims register to prove it.
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I got a loan through my bank and they failed to do a collateral search on this piece of equipment I purchased. They asked for the machines serial number but never did any research on the machine to find out that the guy I was buying it off of, for one didnt even own the machine and XXXX it belonged to another bank. So now Im out a machine and {$80000.00} that I have wrapped up in this machine that I will never see again because of my bank did not doing the required steps
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: North State Acceptance, LLC (NC)

Northstate acceptance took this account off of my report. Months later the account was put back onto my account after they voluntarily removed it. Filed a complaint with the cfpb and they stated it would be removed in XXXX. The account is still listed.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

To whom this may concern, After reviewing the updates made to my credit report. Your company is reporting inconsistent last payment dates, incorrect credit limits, along with inconsistent last dates of activity. According to my credit report, This alleged charge off is over 9 years old your company should no longer report this debt to the credit bureaus. Please delete this alleged charge off from my credit report due to inconsistent reporting, statue of limitations has passed, and lastly due to reporting on debt over 7 years in the state of PA. 

Kind regards,
Consumer complaint received 2023-01-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-09-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MT)

I leased a vehicle from Hyundai Motor Finance then purchased that vehicle through my credit union. 

We submitted my Odometer Disclosure Statement along with the check. ( which was cashed on XX/XX/XXXX ) After a couple phone calls from my credit union they finally received the title in XXXX but no lien release. 

After several more calls, we keep getting the same run-around. They say it has been mailed and we should be getting it soon. 

It's been 3 months and I need to get this resolved before I can register it so I can drive it.
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

Wakefield and Associates placed a debt on my account XX/XX/2020 for the amount of XXXX. I never received a call or notice in the mail to resolve the debt. All the debt from XX/XX/2020, when I was involved in a car accident. I was represented by an attorney, so the account should have been sent to my attorney instead of on my credit. I called to let the company know I never received a letter from them and asked them to send me a letter they have yet to send me a statement.I also asked them remove the account of my credit and they refuse to remove the account.
Consumer complaint received 2017-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

On XX/XX/XXXX I was told by XXXX from Navient that if I made a payment using my debt card my account would show current on the Navient web page. I needed it to show current because my mom is a co signer and was in the process of closing on a new house on XX/XX/XXXX. Then I called NAvient back ( same day ), after I saw there was no change to my account even know the money was out of my bank. I was promised an email with a conformation number from a different NAvient employee. I never received that email, and 24 hours had gone by .... I called NAvient back the next morning XX/XX/XXXX to ask why my account had not change to current and where was this email I was suppose to have received. I talked to ( XXXX XXXX ) and she said that she had talked to a supervisor and I should have the email by the end of the day, but I never received anything. I called back same day XX/XX/XXXX and talked to XXXX XXXX again that told me the email department would only send emails in the order of request. I asked to speak to a supervisor and that request went unheard by the rep ( XXXX XXXX ). I was basically lied to and stalled by the Navient reps. Telling me that all the information was on its way to me just get paid and to get me off the phone. That same day XX/XX/XXXX after XXXX XXXX XXXX I finally got to talk to a supervisor From NAvient. This woman basically said why should I try to help you when you have been late on your payments. They are many reason I 'm late making payments, but the main reason is so that I can enroll in income base repayment plan. This supervisor was rude and could give me no explanation as to why I was told numerous lies from XXXX  and XXXX XXXX. She did nothing but talk in circles and trying to make me fell bad for being late on student loan payments that had nothing to do with why I was calling.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NC)

PNC, at their discretion, will make a decision on whether or not they want to have a transaction go thru at a charge of {$36.00}. That I understand, however, I am not understanding why they STILL charge me {$36.00} if they do not allow for a transaction to go thru. They will make it appear as if they are actually going to cover it and then a few days later, reverse it to not cover and then charge {$36.00}. That is totally not right as well as false information that they are giving us. Not only that, you CAN NOT send a XXXX without having the money in your account. I use XXXX primarily to send money from PNC to my other checking account. How in the world are they charging me {$36.00} in overdraft fees for sending XXXX payments all because their checks and balances are not set up correctly in their system is beyond me. When I requested my fees back, I was told they could not even though the agent agreed with me that yes, that is not correct for them to do. I also did not ask for PNC to give me a credit due to COVID. That in itself is throwing off their checks and balances as well, which the agent acknowledged. Then having the nerve to charge me an overdraft fee for money I didn't even ask for if it overdraws my account! I wasn't even given an option to opt out of it! Finally, I have been monitoring my account to see how far of an extent they are going with their shenanigans. I took overdraft protection off so that my card would decline any transactions that would not be able to be covered, and yet again, they allowed something to go thru and this time a transaction that they denied and charged me for from before! It's ridiculous!
Consumer complaint received 2019-10-30
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. (OH)

I had a balance on my XXXX credit card of {$21.00} that I was unaware. I received a credit alert in mid XXXX that my account was over 30 days past due. I immediately called the XXXX XXXX about the issue. My address that they had on file was invalid and I gave them the correct address information. They reversed the late fees and finance charges and I paid the balance immediately. Although, my other contact information was correct, I never received any phone calls or other communication from XXXX XXXX that there was an issue with my account. I asked them could they correct the 30 days past due on the credit bureau reporting because I didn't want to be penalized for the bill that I was unaware and for them not having my correct address. They said no that I would have to contact the credit bureau. Of course, I contacted the credit bureau and they said that XXXX XXXX would have to correct it. I disputed it at all 3 credit bureaus. To date, the negative reporting was reversed at XXXX. In XXXX, the negative reporting was reversed with TransUnion but they have since put it back on in XXXX. I have been given the runaround because of this issue and it has become very stressful. My credit bureau score dropped XXXX points because of this negative reporting of {$21.00}. TranUnion keeps saying that the company needs to correct it and then they close my dispute with no notification or disclosure of results. XXXX XXXX keeps telling me to contact the credit bureau. I'm at a lost here of what to do next.
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (LA)

I'm a XXXX XXXX of XXXX XXXX. I applied for a business loan from the XXXX ON XXXX of XXXX of this year. On XX/XX/XXXX, XXXX approved my loan in the amount of XXXX. XXXX was deposited into my account on XX/XX/XXXX. On XX/XX/XXXX, Chase froze the funds in my account. 10 days later, they closed my account and put the funds from the XXXX loan in suspense. I've spoken to different agents in the fraud department, and received different statements. One stated that if I was to bring in my EIN number, that the funds will be issued into a cashier 's check. Never happened. One stated that I needed to consult with an attorney to receive the funds. Another one stated that I needed to contact SBA to have them retract the loan. In which I did, but XXXX stated on numerous occasions that this was impossible since my account has been closed. I called Chase again ( fraud dep ), they stated that they will keep the funds in suspense up to 2-3 years and then release the funds to the state. This is a BIG problem, considering I've entered into a 30 yr agreement with XXXX WITH INTEREST ACCRUING DAILY, and I have no access to these funds. I can't reject the loan, since the loan was successfully dispersed into my checking account that Chase voluntarily closed!! If Chase won't release the funds to me ( in which I ' rightfully entitled to these funds, that XXXX successfully verified my identity, etc. ) then I feel it's only right for them to send them back to XXXX IMMEDIATLEY!! It's been 2 months of this with Chase and I would like to resolve this matter in a timely manner please!!
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Getting very frustrated about this whole situation already. Clearly abuse of the system with failure to verify a bankruptcy. Which I have already disputed and put in a complaint on XX/XX/21 # XXXX where it was attached and confirmed that it would be removed. 

But XXXX  and Equifax are still reporting this account and stating it is verified Attached will show the copy of the complaints and responses I still have gotten and updated file from XXXX XXXX either since I requested with the information I sent by mail. 

I disputed, asked them to investigate and give me the source of the information and kept running me in circles asking for another disclosure here and just saying it was verified and not providing any information and anytime I asked they would say they needed another disclosure. 

I want a full revised report sent to me from XXXX XXXX. I want them to send the removal notice to XXXX  and Equifax to delete these items. 

XXXX  has not responded to a single dispute and keep giving me run arounds. This is completely unacceptable. It is my right per the FCRA to properly investigate items within a reasonable timeframe or remove it. 

Now how are they investigating items if I have a paper saying it was removed from my file but still almost 2 months later it is still listed. 

Before anyone get this complaint and claims to be unable to help due to verification please look at the attached items where my " CURRENT DRIVERS LICENSE WITH ADDRESS IS INCLUDED, SOCIAL SECURITY CARD AND A COPY OF A RECENT BANK STATEMENT. ''
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I was seeking refinance rates and checked through XXXX XXXX. XXXX XXXX provided Amerisave as a lender option. Their rates were deceptive, when I asked them for a competitive rate I had seen from other lenders they tried to mislead me into thinking they could match the Arte but they were going to raise my principle significally ( in my case $ XXXX on a $ XXXX principal ) and they tried to gloss over it as if it was common. The rate that I had them compare it to was no fee with lender credits. Additionally they pulled my credit report without my permission ; in fact when they asked if they could pull it, I declined and they did it anyway. Very disreputable lending practices. I would give them no stars if this allowed.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Original creditor : XXXX Account info Account number XXXX Date opened XX/XX/2017 Account type Collection Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

I made several attempts on XX/XX/2021 via phone to dispute inaccurate information on my Credit Report as reported by Experian. However, Experian is refusing to accept my dispute and investigate the issues with my credit report. I was reviewing the information that was provided to me by Experian being a member and saw that there were three different credit inquiries on my credit report that I did not authorize. I was told by four different representatives that it is not the responsibility of Experian to accept a consumer 's complaint regarding Experian reporting inaccurate information under their credit report. The representatives I spoke in the order of contact was XXXX, XXXX, XXXX, and XXXX. At this point I am confused as to what a consumer is suppose to do if they see accurate information on their credit report and need to either correct and/or have it removed. At this point I am highly upset with the treatment I have received thus far in relation to this matter therefore I am turning to the Consumer Finance Agency for assistance. Consumers should not be held hostage regarding their credit information the different credit reporting agencies. This is completely unacceptable. Credit Inquiries : XXXX, XXXX, and XXXX XXXX.
Consumer complaint received 2019-10-30
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. (FL)

THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE LATE PAYMENT ENTRIES. THOSE LATE PAYMENT ENTRIES ARE INACCURATELY PLACED ON MY REPORT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE LATE ENTRIES PURGED OFF MY CREDIT FILE. THOSE LATE HAS BEEN CAUSING HARM TO MY FILE WHICH I WAS UNAWARE OF.
Consumer complaint received 2020-11-03
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. (GA)

I Have Called All Credit Bureaus Multiple Times And Sent In Letters Monthly Since XX/XX/2019 In Regards To Hard Inquiries Reporting. These Hard Inquiries Have Caused Me To Be At A Standstill With My Home-buying Process. I Have Also Reported That My XXXX Account Has Been Verified Over The Phone By XXXX As Accidentally Reported 30 Days Late. XXXX Removed Late Fee, But It Is Still Showing Up Late.
Consumer complaint received 2019-10-30
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. (GA)

I submitted a complaint a few months ago and did not get a response from this company, neither did the problem get fully resolve. When I reported it last, it was against XXXX XXXX XXXX, and later looked into my card account on XXXX to see when they report to Experian , and it showed each month on the XXXX but EXPERIAN are not updating the score to and updated credit score in a timely manner. This is a continuation of Experian and who knows how many other persons this kind of practice this is effecting.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. US DEPT ED XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$8200.00}