davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
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. ()

Took out loan for vehicle in XX/XX/XXXX. Traded vehicle in as down payment for newer vehicle in XX/XX/XXXX. XXXX XXXX XXXX previously reported late payments on account to all 3 credit reporting agencies at the time of vehicle trade in in XX/XX/XXXX. XXXX XXXX XXXX has recently added several additional late payments in XX/XX/XXXX to an account which has been closed since XX/XX/XXXX. Additional late payments are incorrect, fictitious and misappropriated and I am requesting immediate removal of this data from account history and credit reporting agency files immediately. Credit reports in XX/XX/XXXX reflected late payments reported to all 3 credit reporting agencies. In XX/XX/XXXX, XXXX XXXX XXXX  reported several additional late payments to all 3 credit reporting agencies while account has been closed due to vehicle trade in since XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX XXXX had previously been reporting to XXXX a total of 2 late payments from XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX XXXX has added 6 additional late payments to my XXXX file for a total of 8 late payments in which none of the dates currently being reported were previously reported-data is inaccurate/incorrect and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX XXXX XXXX XXXX had previously been reporting to Experian a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX XXXX has added 5 additional late payments for a total of 9 late payments in which none of the dates currently being reported were previously reported-data is incorrect/inaccurate and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX XXXX XXXX XXXX had previously been reporting to XXXX a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX XXXX has added 2 additional late payments for a total of 6 late and there is also a discrepancy in dates being reported as they are not accurate based on previously reported data. Information is incorrect/inaccurate and needs to be removed immediately due to erroneous reporting. XXXX XXXX XXXX is also still reporting on time payments to XXXX from XX/XX/XXXX thru XX/XX/XXXX thus far while the account has been closed and paid off since XX/XX/XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (OH)

This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies posthaste. I XXXX XXXX XXXX have listed below the Accounts that are being challenged JPMCB CARD which was an account that was never approved of.
Consumer complaint received 2019-06-06
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. ()

Took out loan for vehicle in XX/XX/XXXX. Traded vehicle in as down payment for newer vehicle in XX/XX/XXXX. XXXX finance company previously reported late payments on account to all 3 credit reporting agencies at the time of vehicle trade in in XX/XX/XXXX. XXXX finance company has recently added several additional late payments in XX/XX/XXXX to an account which has been closed since XX/XX/XXXX. Additional late payments are incorrect, fictitious and misappropriated and I am requesting immediate removal of this data from account history and credit reporting agency files immediately. Credit reports in XX/XX/XXXX reflected late payments reported to all 3 credit reporting agencies. In XX/XX/XXXX, XXXX finance company reported several additional late payments to all 3 credit reporting agencies while account has been closed due to vehicle trade in since XX/XX/XXXX. As of XX/XX/XXXX XXXX finance company had previously been reporting to Transunion a total of 2 late payments from XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX finance company has added 6 additional late payments to my Transunion file for a total of 8 late payments in which none of the dates currently being reported were previously reported-data is inaccurate/incorrect and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX XXXX finance company had previously been reporting to XXXX a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX finance company has added 5 additional late payments for a total of 9 late payments in which none of the dates currently being reported were previously reported-data is incorrect/inaccurate and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX XXXX finance company had previously been reporting to XXXX a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXXinance company has added 2 additional late payments for a total of 6 late and there is also a discrepancy in dates being reported as they are not accurate based on previously reported data. Information is incorrect/inaccurate and needs to be removed immediately due to erroneous reporting. XXXX finance company is also still reporting on time payments to XXXX from XX/XX/XXXX thru XX/XX/XXXX thus far while the account has been closed and paid off since XX/XX/XXXX.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I called 3 credit bureaus to remove negative report from my public record but they didnt respond me it shoes bankruptcy on my public recort on my credit report back in XXXX they told me they gon na remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house its hurting me cant go forward to grow up Thanks
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2021-06-06
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: Overland Bond & Investment Corporation (IL)

Overland Bond. Last year aka my final year of payment to overland bond, I have been up to date on my payments, When covid hit I was reduced hours and temporarily laid off. My finance company provided that I can pay a reduced payment that would stretch out the loan longer, Fast forward to XX/XX/2021 I was told I was still still accruing late fees even tho I was on the payment plan as well as being negatively reported on my credit. I was not told these things would happen and now they say I owe a extra XXXX $ in late fees when they never mention this until my car was paid off. Now they are holding my title and negatively affecting my credit.
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC (CA)

There have been multiple harassing phone calls to my job threatening me and today they faxed a false wage assignment I have never agreed to in order to confuse my employer to withhold 15 % of my pay. I have asked them not to call my employer due to jeopardizing my job and they continue to do this.
Consumer complaint received 2021-05-02
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. (TX)

The original creditor XXXX XXXX XXXX has recognized this item as identify theft and no longer reports to the credit bureaus, or has been blocked from reporting by the credit bureaus. XXXX XXXX investments is a third party debt collect they sold the debt to before the investigation was complete. Because the original creditor recognizes this account for what it is, I request that the third party debt collector, XXXX XXXX investments do the same, and either voluntarily stop reporting, or the Credit bureaus should recognize this as party of the original debt that has been resolved and block XXXX from further collection attempts including credit reporting.
Consumer complaint received 2019-06-06
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. (VA)

There are several discrepancies that Ive disputed with the credit bureau and they refuse to fix or remove them in a timely manner. The first is the XXXX XXXX account. This account was disputed years ago and it was allegedly removed but XXXX and Experian has not removed it from my report. The second is XXXX XXXX. I have not conducted any kind of business with this organization. I dont know if they purchased an old debt of mine of whatever the case may be but that would enter XXXX and that organization into an agreement not XXXX and I. I also have a bankruptcy on my report that has been there over seven years that the bureaus have verified through XXXX XXXX but there is currently a freeze on the information being verified through XXXX XXXX. They are a third party and not allowed to verify damaging information. I asked the bureaus to remove the bankruptcy due to inaccuracies in the case filing details and there are no laws that say that a public record has to stay on my report for a minimum amount of time. There are laws that refer to the maximum amount of time they can report the public record but it has been well over seven years. If the bankruptcy was verified through the court, I would like the name of the person spoken to, the court called and the phone number used to verify the information. There are student loans on my credit report that I would also like removed per FERPA, I dont have to reveal any information regarding my education if I dont want to do therefore I would like those removed as well. My report should have been updated long ago about XXXX XXXX XXXX. This account needs to be removed based on me filing a dispute and it not being resolved until over 60 days later. I have attached the canceled check showing that I paid that debt over two months ago and it was showing delinquent and hurting my score and there was nothing done about it.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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 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 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 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 2021-11-09
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: Experian Information Solutions Inc. (MI)

I have notified Experian, XXXX and XXXX several times regarding the XXXX XXXX account. XXXX XXXX is refusing to discuss collection for XXXX account or accept any payments from me stating they are no longer handling account it is with a 3rd party. The is no other company reporting this account to my credit report, only XXXX XXXX. I have attempted several times to resolve this account with XXXX XXXX with the latest being today XX/XX/2021 at XXXX eastern, I spoke with XXXX whom once again refuses to discuss account, accept payment or even send a current dated bill for the balance owed. I have recorded conversations of XXXX XXXX refusals. I have filed several disputes advising Experian, XXXX and XXXX of the issues with XXXX XXXX and the recorded conversations with contact information to reach me to hear them. All 3 continue to close my disputes stating they verified account details without investigating the issue Im disputing. XXXX XXXX should not be allowed to remain on my credit report if they are refusing to discuss account, accept payment for account or even send me a current bill for account. At this point Im ready to get a lawyer and sue Experian, XXXX, XXXX and XXXX XXXX because Ive tried for several months to resolve this myself to no avail.
Consumer complaint received 2020-11-18
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. (AL)

I have fraudulent inquiries on my credit report. These inquiries have hurt my credit trmemdously, also causinf me a lot of emotional XXXX. Please investigate why these fraudulent accounts are popping on my credit profile. There's one from XXXX XXXX that dropped my score a lot. This is not fair.
Consumer complaint received 2023-04-07
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. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-06
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. ()

XXXX XXXX is reporting my account late for payments in 2019. I have not been late on my car loan in 2019. There was one incident where I had a typo on the information on their website and I called them to correct it and no one was able the verify the inputted data so I reentered it. There has been times in the past where XXXX got double payments because I thought the info was incorrect and resubmitted because they stalled on debiting the payment. XXXX XXXX needs to update my credit report immediately. I am not late for XXXX   because it has not been 30 days past XX/XX/XXXX which is my payment due date which is current. I paid them for XXXX. I want my account information updated with all the credit reporting agencies immediately. It is a huge disservice to me as their customer to have to go through this.
Consumer complaint received 2022-08-09
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: Global Lending Services LLC (IL)

I dont recognize the accounts in question. o The report shows I owed money to the company that I have already repaid. [ XXXX  loans were being reported as late and it was not listed on my credit file so how can they report on me ] o The status of my account is not correct.
Consumer complaint received 2020-11-18
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 checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (VA)

GM Financial is reporting my account late for payments in XX/XX/2019. I have not been late on my car loan in XX/XX/2019. There was one incident where I had a typo on the information on their website and I called them to correct it and no one was able the verify the inputted data so I reentered it. There has been times in the past where GM got double payments because I thought the info was incorrect and  resubmitted because they stalled on debiting the payment. GM Financial needs to update my credit report immediately. I am not late for XX/XX/XXXX because it has not been 30 days past XX/XX/XXXX which is my payment due date which is current. I paid them for XX/XX/XXXX. I want my account information updated with all the credit reporting agencies immediately. It is a huge disservice to me as their customer to have to go through this.
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I filed a claim ( claim ID : XXXX ) for a purchase at XXXX that was cancelled and supposed to be refunded back to the same method of payment ( which was my card ending in XXXX ). 

Chase initially gave me the money back, but later reversed the claim because XXXX sent them a proof of purchase. 

I did not dispute the proof of purchase, I disputed that the refund was never put back on my card. XXXX charged me for a service ( XXXX XXXX XXXX ) that was cancelled because of not having a valid ID. 

I paid {$2500.00} plus a {$16.00} service fee to XXXX, and received no service.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (FL)

Hi I am submitting this ( without any influence and this is not a third party ). I have complained to Equifax, however The problem has not been resolved. Equifax has violated the FCRA UNDER THE LAW 15 USC 1681 SEC. 623 I received NO RESPONSE AFTER 30 DAYS. I originally contacted Equifax reference to a XXXX XXXX XXXX FILE XXXX, Equifax failed to to respond within 30 days ( see enclosed documentation evidencing Equifax violation of the law ). 
Therefore I demand that you delete this inaccurate account ASAP, as YOU ARE REQUIRED UNDER FEDERAL LAW TO DELETE THIS ITEM SINCE YOU FAILED TO DO A TIMELY INVESTIGATION!!!
Consumer complaint received 2022-01-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG MORTGAGE, INC (AZ)

CMG Financial is the mortgage company. 

I have been trying to get answers from my mortgage company about how to submit an appraisal to get the PMI removed ( I dont want to refinance ). I called the company XXXX and used an online chat on XXXX. The customer service agent advised the ONLY way to get answers is to email this inbox XXXX. The agent couldnt provide a timeline on when I could expect an answer by emailing and said just to email. 

I emailed the company on XXXX about my query. An auto response came saying that I needed to allow up to 30 days for a response. It has been exactly 31 days and I still have not received a response. 

The company does not allow phone calls to this department and I have no other recourse. This is an unfair practice. They are not responding timely to inquiries. I am being forced to continue to pay XXXX  when my house value has increased significantly. I want someone to respond to my questions. I want access to the company who holds my mortgage.
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (FL)

This balance from XX/XX/XXXX is not owed and removed from my credit report before under other collection agencies. This new collection agency has falsely reported this as a new debt opened in XX/XX/XXXX. This is false in an attempt to reengage and make a profit on a debt that was from XX/XX/XXXX and no balance owed.