davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
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. (IL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-07-01
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. (NY)

XXXX  XXXX XXXX  is reporting a charge off in an amount of XXXX. Yet at the time this loan was paid off by my insurance company - there is GAP insurance that was purchased through the dealership to cover the difference between what the insurance paid out and what remained. Yet this company after just 1 delinqincy ( which occurred when the insurance company was processing the payout of the loan_ charged off the account in the amount of XXXX knowing that GAP insurance would cover this amount. I have called multiple times written multiple letters in regards to this, yet they do not give any documentation as to what happened in regards to this. 

Also, I have attached the account details on their website which does not even show they charged off the account. 

They also failed to provide me any signed original contract when asked to verify the debt XX/XX/XXXX and failed to provide any billing statements after XX/XX/XXXX. They also did not provide any disclosures stating my rights under 15 U.S. Code 6802. 

There are so many violations here creating a HARDSHIP on my life from being approved from future lenders. This account needs to be removed from all three credit bureaus.
Consumer complaint received 2022-08-12
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. (MA)

I have Submitted disputes to you and I didn't get a response within 30 days and ya '' ll are required by law to do so. Please investigate my disputes, please Thank you.
Consumer complaint received 2019-06-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

I have four private student loans in total that were handled by AES and owned by NCT. Two of the four loans have been given to XXXX from AES. The AES Account Number for my loans is Account # XXXX. The XXXX Account Number fir my loans is Account # XXXX. I have requested multiple times from both loan services for my terms and agreement paperwork and ownership documents that NCT owns my loans. The fact that I am asking for help with repayment and to see my terms and my services won't provide me any paper is concerning as I do not believe the amounts I owe are the true amount. Can you please get my terms and agreement paperwork and ownership documents from NCT so I can have the binding documents that my loan is in fact still intact.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX are reporting incorrectly a joint account for the XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have not been associated with this account, nor has my name been on the loan since 2011, and the account has since been transferred. This incorrect reporting is harming my credit score. Please delete this item from my credit report.
Consumer complaint received 2022-07-05
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. (GA)

incorrect information on my credit report # XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX # XXXX XXXX  XXXX Bankruptcy on XXXX XX/XX/XXXX # XXXX XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX # XXXX inquiry XXXX XXXX XXXX Bank XX/XX/XXXX # XXXX XXXX  XXXX Bank XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, Dept of Education/ XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2021-10-18
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: JPMORGAN CHASE & CO. (GA)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collections were posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY ; THE BUREAUS ( Original Creditor : XXXX XXXX XXXX ) -XXXX-Balance {$1100.00} THE BUREAUS ( Original Creditor : XXXX XXXX XXXX  ) -XXXX-Balance {$270.00}
Consumer complaint received 2022-06-07
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. (FL)

XXXX XXXX, {$3000.00} Representative stated to me that paid off balance will be reported as {$0.00} agreed upon because of my fast payment. XXXX XXXX XXXX XXXX did not have my permission to run my credit threw different lenders for approvals.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

So i sent a letter off on XX/XX/2022. To remove personal information that i dont want on my credit report. According to the Fair Credit Report Act 12 USC 1681. I have the right to Privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protection consumer rights..
Consumer complaint received 2021-10-17
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. (VA)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST (OR)

I opened an account at Bank Of The West and most of my charges were fraudelent. Bank of the west returned about {$700.00} of the {$5000.00} I was owed and now says that the loss of my money was fraud and is withholding it. Please see attached of fraudulent charges
Consumer complaint received 2021-10-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (OH)

My account was comprimised and paypal did nothing to protect my money even after i reported it stolen and refuse to correct their wrong in the amount excess XXXX dollars and their customer service rep stated to me i wouldnt get my money back so just close the disputes, I did that and now they tell me i would of been accepted but i closed them so now i cant get my money back. I have been telling them for 3 months about these charges to no avail and XXXX, & XXXX " supervisors ' basically laughed at me and rejected me on the phone. i have 21 closed cases and 12 open currently and received XXXX  dollars back. i have over 50 unauthorized charges and its MY money im begging for. i can upload all of my documents to you but its sensitive info but it definatly exceeds XXXX
Consumer complaint received 2021-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AZ)

Tried to resolve multiple times with PNC Bank on Homeowner 's Insurance policy on our current address. There was a lapse in coverage due to an error during loan processing and no binding from the homeowner 's insurance on the previous home to the new home. PNC Bank placed a forced hold amount nearly doubling the amount we currently pay in homeowner 's insurance in backpay. PNC would not inform us of which company is collecting backpay and assured us that we can find another insurance company, if we wanted to cover the backpay. We found out no other insurance company will cover backpay because it is considered fraud. Multiple attempts were made to PNC to reduce the amount of what they are trying to collect in backpay, a total of {$1900.00} approximately, nearly double of what we pay now. 

Back pay $ XXXX vs $ XXXX - nearly double the amount we pay now for homeowner 's insurance. We are willing to negotiate with PNC on the backpay amount of what we currently pay on the Homeowner 's Insurance policy. Doubling the amount of our current policy should be considered unethical business practices on their behalf.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX, I had made a payment on my Chase credit card account. Due to XXXX and a job XXXXXXXX XXXX, I was unable to make a payment in XX/XX/XXXX, and went ahead and ensured COVID-19 payment assistance was applied to my account. By adding the payment assistance, it made my minimum payment {$0.00} so I did not pay for XXXX. I resumed payments in XX/XX/XXXX after the assistance expired. 

I have contacted Chase numerous times because my account was reported as late to the credit bureaus. My account payment for XX/XX/XXXX should have been {$0.00}, and I was affected by a natural disaster and delinquency was still reported. 

I have been in contact with Chase since XX/XX/XXXX and the issue has not been resolved. I have attempted to dispute the item on my credit report and that has not been resolved either, because Chase reports it as accurate.
Consumer complaint received 2022-06-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc. (IA)

Sent in copy of carmax reporting thats resulting in an inaccurate report on my credit report. Carmax acknowledge the error but still wont remove the negative reporting. and also n 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 a account without my written instructions
Consumer complaint received 2021-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LDF Holdings, LLC (MI)

they released my personal and private information to a third party via text. 
they gave my name and amount owed. 
they texted an old phone number and the new owner was able to contact me and let me know he took screenshots from his phone and sent them too me iv attached the screenshots. 
the old number was XXXX XXXX XXXX.
Consumer complaint received 2018-01-13
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: CORELOGIC INC (AL)

This complaint is to remove multiple inquiries that I did not approve or initiate. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis (OH)

To whom it may concern, I have some major issues with my credit report fraudulent addresses, inaccurate name, and un-validated accounts showing on my report. My name is XXXX XXXX. XXXX not XXXX XXXX please delete ANY and all variations of my name they are not accurate. I beg that your department might consider helping with a difficult situation. I have managed to get my XXXX XXXX Credit Report updated properly. However managed to acquire some unverified items that have effected my FICO. 
Eventually I look forward to applying for a home loan, and as a result I am worried this inaccurate information may spoil my credit rating. Please delete the following accounts this is a 609 FCRA dispute on the following : XXXX XXXX XXXX, XXXX I have never had accounts with theses companies.
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

The following accounts are all fraudulent, has previously been deleted from my credit report by Equifax countless times and keep reappearing on my credit report : XXXX XXXX XXXX XXXX, {$5900.00}, XXXX XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, {$19.00}, XXXX, XXXX XXXX XXXX, {$4800.00}, XXXX XXXX, {$1700.00}, XXXX XXXX, {$14000.00}, XXXX XXXX XXXX, {$22000.00}, MN XXXX XXXX XXXX, {$8300.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$29000.00} and XXXX XXXX XXXX XXXX, {$370.00}
Consumer complaint received 2018-01-13
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: LEXISNEXIS (IL)

Third party are reporting a bankruptcy on our credit reports. The bankruptcy is not disclosed by the bankruptcy court and are in violation to the fair credit act. I have asked for it to be removed from our credit reports but keep getting from the credit bureaus that it is a valid reporting without having verification other than stating theu received it from a third party. The bankruptcy court has informed me that they do not report information to the third party and that they do not disclose bankruptcies.
Consumer complaint received 2019-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diaz & Associates, Inc. (IL)

On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (TX)

- In accordance with the fair credit reporting Act XXXX  XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX, XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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
Consumer complaint received 2022-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (NY)

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX of XXXX billed me for unauthorized charges in the amounts of {$910.00} and {$940.00}. A family member that has the same or similar name is responsible for these bills. I have contacted several companies because of this matter.
Consumer complaint received 2019-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MO)

On XX/XX/2019, I submitted a complaint to your office. It was Complaint No. XXXX. It involved my student loans through Pioneer Credit Recovery. I had defaulted on my student loans. I entered into a payment plan with Pioneer Credit. I have been faithfully making monthly payments. The Dept of Education took my federal income tax refund this year. They should not have done so because I had entered into a monthly payment plan. On XX/XX/2019, Pioneer Credit Recovery responded to Complaint No. XXXX. Pioneer had responded that my account was erroneously certified for treasury Offset. Pioneer responded that it had taken necessary steps on the Dept of Educations system to request a refund of taxes in amount of {$1500.00}. I still have not received a refund. I have been waiting for it and I have not received. When will I receive the {$1500.00} refund which I deserve?? The Complaint was not resolved so I have filed another complaint.
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC (TX)

I have credit XXXX account and found that JHPDE Finance 1, LLC, also with XXXX XXXX serviced by XXXX XXXX XXXX that it was reported on XX/XX/21 that there is a debt being collected. I have yet to know anything about this.
Consumer complaint received 2018-01-13
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: EQUIFAX, INC. (LA)

I 've been trying to submit complaint about some accounts are my credit report. For some reason it 's like the credit bureaus are not taking my disputes serious at this point. I 've spoken to a consumer right 's attorney and he 's telling me i have a case against the credit bureaus. I 've decided to submit complaints before taking that step. 

The following accounts are incorrect XXXX XXXX # XXXX This account is inaccurate. Please verify this account to make sure that EVERYTHING is reporting correctly. 

Office Of The XXXX XXXX # XXXX This account is reporting inaccurate. The balance is incorrect. If you do VERIFY this account please provide me with the steps you used to verify it. Who did you speak with, time and date or Please remove this account. 

XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove. 

XXXX Credit Card Clearly this company has made a mistake. I never asked to be an authorized user on this account. 

I know that mistakes happen but it should not happen at my credit 's expense.
Consumer complaint received 2021-10-16
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: EQUIFAX, INC. (OH)

I have been trying to contact them for over 60 days to investigate some accounts on my credit report. They have failed to respond to my disputes. I have not received no correspondence about disputes at all. The information they are reporting is inaccurate and unverifiable. They are causing me great stress.
Consumer complaint received 2022-08-12
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)

Unauthorized and Inquiries on Equifax 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 In accordance with the Fair Credit Reporting 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 : also consumer reporting agency can not furnish a account without my written instructions