davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-28
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: Lending Club Corp (TX)

I reviewed a copy of my currrent credit report and show inaccurate information with creditor name LENDING CLUB account number XXXX. This account has been satifed and paid as agree with no balance which is to be reported as {$0.00}. I have contacted Lending club you advise that this account is closed and paid as agree with no late payments. This account is still shown as open with a balance which is incorrect. I have sent mulitple dispute with no reply.
Consumer complaint received 2020-11-02
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. (FL)

EXPERIAN CREDIT SERVICES, continuo to report a fraudulent account in my report that is the result of Identity theft i have provided all documentation to experian and XXXX CREDIT CARD # XXXX of the illegality of this account, identity theft report from FEDERAL TRADE COMISSION, XXXX COUNTY SHERRIFF REPORT, IRS IDENTITY THEFT REPORT and continuo reporting this Ilegal account in my report I have requested the help the state attorney, FTC, and lastly your. 
The solution is to remover this fraudulent account from my report
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I opened a XXXX XXXX credit card in XX/XX/XXXX and always paid in full every month. My balance was zero an XX/XX/XXXX and again on XX/XX/XXXX when I closed the card because I didn't use it enough to be worth the annual fee. I received a call last week from XXXX stating that my payment was 57 days past due and I asked how could that be if I closed the account months ago with a zero balance. They stated that a charge was allowed in XXXX of XXXX XXXX months after the account was closed. I have since disputed this charge twice, but have failed to get it removed from my credit report and I am still incurring late charges on a fraudulent charge. I do not receive a paper bill or have access to this account through the app since it has been closed for many months.
Consumer complaint received 2021-05-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters Confirmation # XXXX I paid my account in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Good morning, I purchased a home from Navy Federal XX/XX/17 at closing my principle and interest payments were XXXX with taxes included, after tax assessments, I now pay XXXX a month which is outstanding and the result of someones inexperienced. I putting a burden on my family, please assist me. I would also ask that you review my closing documents to see how its structured and if follow XXXX XXXX and XXXX XXXX guidelines, at the time of purchase me credit was a high XXXX and low XXXX I received a unfair rate of 4.875
Consumer complaint received 2022-04-08
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights.
Consumer complaint received 2021-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (OH)

I am XXXX yrs old and live on a budget. On Saturday the XXXX or XXXX. Someone was able to make 10 charges to my account. At first, i thought my XXXX yr old grandson did it because he just got a phone. Then when they said it came from a XXXX XXXX??? I have no games and neither does my grandson. I dont know how someone did this??? I closed my bank account and my bank feels that XXXX should refund the money they got!!! Any help??? XXXX XXXX for acct # issue XXXX.
Consumer complaint received 2020-11-23
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)

I am filing a complaint about a Public Record USBK COURT XXXX FLORIDA XXXX listed on my credit report which does not belong to me. I contacted the Bankruptcy Court and they informed me that they do not have any information under my full name, social security number, address and date of birth. They also told me that they don't have jurisdiction or the right to report information to the credit bureaus anyway. I then contacted XXXX XXXX giving my full name, address, full name and full social security and they do not have a file of me. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They reporting requirements do not comply with FCRA 611 ( 15 U.S. 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-05-28
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. (TX)

I have contacted Transunion about the inquiries in question only to be met with " Inquiries are a statement of fact ''. I have been disputing the following unauthorized inquiries : XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX. Only XX/XX/XXXX XXXX was removed and I am asking that since the aforementioned were not verified, that they be omitted and removed from my report per the FCRA.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc. (UT)

Express Recovery is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt was reporting on my credit file. I however, never received a 30 day right to dispute notice from Express Recovery. This is a violation under the FDCPA and the FCRA and it must be removed on that basis. I am aware that Express Recovery can report to the bureaus as they deem necessary since they are the furnisher, I ask they remove the collections from my credit file until this debt is validated to me. Until then all negative reporting must cease. Reporting invalidated debt can constitute fraud under both federal and state laws so It would be wise for Express Recovery to remove this immediately.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

I attempted to get my free annual credit reports on XXXX  from all 3 bureaus on XX/XX/XXXX, and received a denial for 2 of my requested reports. The last time I requested my free annual reports was in XXXX. I did not have issues with XXXX and was able to answer security questions and obtain my XXXX report. Equifax and XXXX  'XXXX  links did not ask any security questions, and immediately denied my request. The following day, on XX/XX/XXXX, I called the XXXX to request by phone for both Equifax and XXXX. I went through the prompts and expected to receive in the 15 day time frame as mentioned. It has now exceeded that time frame and I have yet to receive my reports. My residence changed back in XX/XX/XXXX and was updated with all creditors, as well as a post office forwarding address so that should not be the issue. I do not know why it is so complicated to request my reports online annually with these two companies. This is very suspicious and inconvenient.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MS)

RE: SHELL POINT MORTGAGE/ NEW REZ        My complaint is against Shell point Mortgage also known as New Rez. I currently hold a home loan with them! My mortgage loan was sold to them (New Rez) back in XX/XX/XXXX. Since my loan was sold to them, it’s been a total nightmare! They claimed my loan payments were late when they weren’t! And I just got with them. They have been calling and calling harassing me as if I’m not making my payments!  When I first connected with New Rez they told me when I could start making payments, which was told to me wrong when I spoke to them in XX/XX/XXXX. They told me by XX/XX/XXXX is when I could start making my payments.  Fast Forward a couple month..  I went to check my credit file, my credit file indicated that I was still with XXXX XXXX XXXX XXXX all the way until XX/XX/XXXX...although payment were going to Shell point.  I also was writing to Shell Point (New Rez) trying to dispute this situation several times and also behind a late payment for XX/XX/XXXX...And need I remind you, I WAS SOLD TO THEM and this is happening. I did not hear back from them at all! After making several attempts to reach out to them, I noticed they have me late again for several months when I was not! When a Loan has been sold to another loan company, consumers are entitled to protection. Mortgage companies have a legal obligation to protect consumers during loan transfers. And I felt like I was not. I did receive a letter from XXXX that my loan had been sold but when I call XXXX, they told me to give NewRez a call. I never received the Transfer notice. So I did call NewRez and that’s when they told me I had time to make arrangements but I still end up getting a late. I was in good standing with my last loan company up until I was given to NewRez (Shell Point)…I am sending copies of the payment History dates that I made payments before the 30ty day late! Oh and why I ended with making payments before a 30ty day late is because how my payments started with NewRez.
Consumer complaint received 2021-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my XXXX on XX/XX/XXXX and saw some fraudulent accounts and inquiries that don't belong to me. I didnt authorize anyone to use my information. This information is not information relating to any transaction done by me. I did not benefit in any way from the fraud. None of these fraudulent accounts are related to any of my legit transactions. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen your identity. 

Please place an immediate block on the following fraudulent information in my credit file immediately upon receipt of this correspondence. I have enclosed a copy of my identity theft report, a copy of my government issued identification as proof of my identity. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX {$13000.00} XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$3200.00} XXXX XXXX XXXX  XXXX. XXXX, XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$130.00} XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX INQUIRIES : XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 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 2018-03-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CNG FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX has within the past two weeks contacted by brother, sister, brother in-laws, mom, ex husband, former employer and an old roommate. After my brother was contacted I called the number given to him and asked for clarification of debt or something in writing. The guy told me I was refusing to pay by asking that and wanted a debit card number for payment. I refused, he also stated to my brother in-law that it sounded like he didn't have a job and he could fill out a loan application. 
This harassment has caused extreme problems in my life and the constant phone calls to my family, ex family, ex employer and ex roommate are beyond extreme. 
I asked the gentleman that answered when I called how he got my brothers information and he said he looked up all of my contacts. My brother in-law was also told that I used him as a reference which I would never do because I can't stand him. They are asking for {$940.00} for a XX/XX/2016 debt that I don't recall having with checkngo. I had a previous loan with the company that was paid in full. These people are extremely rude, aggressive and vague on every conversation they have had.
Consumer complaint received 2022-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2020-11-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO. (TX)

I reached out to Chase Bank on XX/XX/20 and attempted to settle an outstanding debt. After agreeing to a settlement amount, I was asked if I would like to pay over the phone. I instructed the representative that I would not and instead would like to pay via a check. I was then told that Chase already has my bank account information, and I agreed to pay over the phone. I then responded that I agree to the settlement amount but not to pay over the phone. I then responded that I would pay the amount via money order. The representative then told me that my settlement agreement might not arrive on time as it was coming from The US postal service and that I would not know where to send the settlement if I chose not to pay over the phone. I then responded that I have the right to pay via money order and that If it's through the US postal service, I should receive the letter. This is a case of misinformation and harassment to get me to pay via my checking account over the phone, which I said I was not comfortable doing. After this exchange, the representative said he could no longer hear me. He wished me a good day and hung up. I called chase back and had my bank account removed from their system and had their team confirm where my payments should be sent.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX  and Equifax continue to allow XXXX  XXXX  to report incorrect and inaccurate information to their bureau stating I owe the {$1400.00} for car payments. I sent XXXX  and Equifax both a letter from the company itself as documented proof that XXXX XXXX closed this account in XX/XX/XXXX and that there was a XXXX balance owing and that the lien account was paid in full. This account was a car loan that was cancelled due to a repurchase by the manufacturer XXXX for an acceleration defect on the car, in which the dealership was not able to fix. This car was repurchased back under the California lemon law and I was due to be refunded back everything I paid towards the car : my down payment and the car notes. The amounts of {$1400.00} are not the amount for the two car payments I paid. The Car payments came to the amount of XXXX each for a sum of {$1200.00} ; so that also is an inaccuracy as far as these two bureaus reporting. I have sent in the proof attached to show that this account was closed and paid in full and the break down from XXXX XXXX as to what was credited and what was due to be refunded to me. XXXX XXXX was not supposed to keep the car payments ; I repeat, they were to be refunded to me. Ive been disputing this issue since XX/XX/XXXX and this company continues to report these inaccuracies. I never received the refund of the money I paid toward the car, and XXXX XXXX as well as, the dealership were refusing to accept my calls, therefore, I went through my bank to get my money back after providing the bank the same proof from the company, my bank deemed it enough evidence that there was in deed a refund owed to me by XXXX XXXX and the Dealership. Both XXXX  and Equifax continue to allow XXXX XXXX to report every month and tell me that as long as they are reporting every month, the account will show up on my credit reports. However, both XXXX  and Equifax still are ignoring that the information XXXX XXXX is reporting is incorrect and again not accurate with regards to this account is supposed to be closed and the amount they are reporting for the two payments they say I owe, doesnt equal the amount of the two payments I paid. Please read the attached documents from XXXX XXXX sent to me! XXXX  and Equifax are ignoring the documented letters and ledger I have provided to them which disputes XXXX XXXX information. The attached documents are from XXXX XXXX ; I am no longer responsible for this account because it was a repurchase by XXXX. So they need to contact the manufacturer if they feel they are to be paid {$1400.00}
Consumer complaint received 2022-04-07
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX repossessed my car. The company is reporting incorrect and inaccurate account information to all three credit bureau. I never received a letter stating the company was coming to get the vehicle. I was only late 30 days before XXXX repo the car. On my credit report it shows that the car was repossessed in XXXX which is not true I was in the hospital with XXXX at the end of XX/XX/2021 my car was already gone. My car was repossessed on XX/XX/2021 for being 30 days late. 

the are reporting XXXX different account number for the car loan. XXXX account shows the repo and the other account shows the balance after the car was sold. 

account number ending w XXXX is showing {$1800.00} account number ending w XXXX is showing {$17.00} and is saying unsecured for a car auto. This is inaccurate both account number belong to the car loan.
Consumer complaint received 2020-11-02
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. (MI)

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TransUnion and XXXX  XXXX Expedited resolution request XXXX, XXXX and XXXX XXXX have been reporting accounts in my name to XXXX, XXXX  and TransUnion inaccurately. 
I have disputed these accounts over 8 times since XXXX, the most recent XXXX, XXXX, XXXX & XXXX. Claiming the balances are incorrect and that these accounts have been settled. However, each time I made this claim XXXX and XXXX have alleged they conducted a proper investigation and each time verifying the accounts have been reporting correctly. This is not possible to be accurate as XXXX and XXXX exercised a CANCELLATION OF DEBT back in XXXX and reported this to the IRS, I am attaching irrefutable proof of the cancellation of debt. 
Despite this fact, XXXX and XXXX have been updating and reverifying this inaccurate information to all three mentioned credit bureaus every single month for over 2 yrs, causing severe harm to my credit resulting in numerous credit denials, increased auto insurance and denial of my XXXX XXXX XXXX loan, forcing me to close my XXXX XXXX. 
As a result of XXXX and XXXX  reckless actions they each have committed over 60 direct violations of the FCRA. I am demanding those mentioned accounts be completely deleted from my credit reports as required by LAW, which obviously XXXX and XXXX do not give a XXXX about.Regardless, a lawsuit will be filed in the coming weeks. 
I am attaching the cancellation of Debt documents AS for XXXX XXXX, although I have filed disputes and requested XXXX to provide a full accounting and other information over the last 18 months, they have refused to do so, I have never received any response from them. NEVER!