davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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. (AZ)

XX/XX/2022 I opted out of XXXX XXXX XXXX XXXX, I completed all documents that they are not to report on me and to remove me from there system and affliates as well such as third parties etc they use. 
They continue to share my informationa and report about me which is XXXX percent of the time inaccurate. 
I requested information from Experian, XXXX and XXXX regarding what was reported by XXXX XXXX and copies of the documents they are basing the information that they are reporting on the bureau about my credit worthiness and still nothing. 
I have went back and forth with them about inquiries that were not authorized by me, that companies which include Experian reporting hard inquiries or allowing XXXX XXXX to place multiple inquiries on my report which hit me hard and they refused. They keep sending me the same generic response that its been checked and remains. 

Recently, they reported I was over my limit on a Credit Card XXXX XXXX  XXXX ) which I was not, by {$11.00} and said that was the reason my score dropped XXXX pts that it obsered. My history is good, my payment history on time, no lates nothing my usage is 17 % they don't comply to request they do whatever they wont. I was in the middle of a refinance and my score was XXXX and when they supposedly rec 'd notice that my credit card was over the limit by {$11.00} Experian dropped score to XXXX and XXXX dropped it from XXXX to XXXX and XXXX dropped it to XXXX all for the same thing over the limit which I have uploaded and spoken to the credit card company who say they have notified them its not.
Consumer complaint received 2022-09-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: Home Point Financial Corporation (CO)

I have an incorrect address on my credit report. 

It is listed as XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX This has caused a number of issues with a recent job I applied for as well as a home mortgage for verification purposes. 

I contacted XXXX and they informed me that the information was provided by Homepoint Financial. 

I contacted Homepoint Financial on XX/XX/2022 and described the dispute to them. I received an email response that they will review inquiries in the order they received them. I have and heard nothing back. 

I do not want this address on my credit report. I do not live there, never lived there and have never lived in KS. I have no idea what other issues this may create for me.
Consumer complaint received 2023-08-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Aspen Yo LLC (SC)

Recently, Gregory Funding had increased my Mortgage payments almost by a 100 %. I underwent XXXX XXXX in XX/XX/2022 and had a major setback in my health particularly my mental health. I had to relearn many thinks including speech. I am the sole person that handles my family affairs and this setback caused a major financial hardship for me. To make matters worse, Gregory Funding has doubled my mortgage payments to over {$1300.00} from $ XXXX monthly. The increase in mortgage is partly due to an error in my escrow account. Gregory Funding had allowed two insurance companies to bill me for home insurance. I have send a notice of error letter to demand and investigation to review this matter. I haven't heard from them even after bringing it to their attention months ago. Currently, I receive military XXXX and Social Security and is on limited funds. Have a just recently missed a few payments and Gregory Funding is quick to submit my mortgage for Foreclosure without offering or giving me the opportunity for Loss mitigation. My Balance is around {$80000.00} on a {$660000.00} value home. They seem very eager to take an advantage of me and foreclose my home during my time of hardship. The servicer has not informed me in writing about loss mitigation options that might be available. They are adamant about moving forward with foreclosure. You help in this matter will be appreciated.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

As a consumer/ natural person/ living man, I am enforcing my rights. 
EXPERIAN is in clear violation of the law of 15 USC 1681b ( 2 ) - Permissible purpose of consumer reports. I did not give EXPERIAN written permission or consent to furnish any accounts or information on my consumer report, this is called identity theft. Violation! According to 18 USC 1028A, EXPERIAN knowingly transferred, possessed, and used my identity without my consent. 

Furthermore, EXPERIAN is in violation of 15 USC 1681e ( e ) ( 1 & 2 ) According to the law, EXPERIAN must produce the permissible purpose, they must also certify it and send me disclosures. 

And further, EXPERIAN is in violation of the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states that transactions and experiences are not to be included in a consumer report. 

And further, EXPERIAN is invading my right to privacy and isnt adhering to 15 USC 1681 ( a ) ( 4 ). 

And further, EXPERIAN is in violation of 15 USC 6801 - Protection of nonpublic personal information. EXPERIAN is obligated to respect my privacy and to protect my security and confidentiality of my nonpublic personal information. They have not done that. My information is not a matter of public records. 

And further, EXPERIAN is in violation of 15 USC 6803 ( a ) - Disclosure of institution privacy policy, where they did not provide to me clear and conspicuous disclosures of their policies and practices. 

And further, EXPERIAN is in violation of 15 USC 6802 ( b ), I was not given the opportunity to direct that these accounts not be disclosed on my consumer report and they did not give an explanation of how I can exercise that nondisclosure option. 

The following is the account name and numbers that are illegally being shown/reported on my consumer report : XXXX Account number XXXX Account number XXXX
Consumer complaint received 2022-08-22
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. (IL)

i sent a dispute letter to the XXXX and Experian  and XXXX on numerous occasions to remove a account that is not mine. the three companies never ever got back to me about removing it. i also demanded them to provide the original contract with my signature that i sign its been over 100days and i still haven't heard anything back because of that reason and i demand for the accounst in question be removed this has been stressing me out and stopping me for being able to buy a home for my family and i
Consumer complaint received 2022-08-22
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. (IL)

i sent a dispute letter to the equifax and XXXX  and XXXX on numerous occasions to remove a account that is not mine. the three companies never ever got back to me about removing it. i also demanded them to provide the original contract with my signature that i sign its been over 100days and i still haven't heard anything back because of that reason and i demand for the accounst in question be removed this has been stressing me out and stopping me for being able to buy a home for my family and i
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (UNITED STATES MINOR OUTLYING ISLANDS)

I submitted an earlier complaint on XX/XX/2022 ( ID : # XXXX ) concerning fraudulent charges through my bank account with Chime. Chime responded by returning most of the disputed charges coming to a total of {$1300.00}. However the claim amount was for {$1800.00}. Upon reviewing the disputed charges Chime left out {$500.00} that was on of three charges at XXXX. I then emailed Chime back informing them of the discrepancy. They then responded asking for " new information '' regarding the case ( see response attached ). As I have no " new '' information to provide as it is the same case I have decided to reach out here for assistance.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (AZ)

I am having XXXX  XXXX on the XXXX of XXXX My doctor uses Care Credit . 24 mos. No interest. Went online and filled out the information, which consisted of my name, address, and amount of XXXX, SSN. I received Pending number XXXX. Several days passed I called the number XXXX XXXX XXXX. The person said I needed to go to Varify on my phone only because the camera would be used. Synchrony varify.syf.com I worked threw it, took a video of myself, then took a photo of my driver 's license front. I went to the back to it but could not get the picture. it kicked me out and Blocked me. I called the number XXXX the person I talked to said they got what they needed, just first front and back of the License plus photo and info. Then she said to wait a minute it just popped up on my computer you have been denied. I asked how could that be possible you didn't ask for any banking info or had time to check my credit. Her demeanor changed she said you will receive a letter in 7-10 days telling you why you have been denied. I asked to speak to a supervisor. No help just the same 7-10 days your letter will tell you why. I called my Doctor office They tried to help same answers. Their office called the Care Credit Rep. he was going to look into the problem. Never heard from him. Received a letter saying I needed to finish my application When I called got the same answer oops you have been denied. No one tried to help even when the doctors office called them same answer. I have a XXXX credit score just by myself for {$6600.00} dollars. I do beleive they saw my photo and age and they said not this one. I have paid my doctor and was unable to take advantage of the offer and not help to rectify the problem from Sychrony Bank. I would like to be reimbursed for lack of customer care.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-28
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: Synovus Bank (IL)

This is regarding a consumer credit transaction with your company. I demand that you Cease and Desist from disclosing/reporting any of my old/new " nonpublic personal information '' with all " nonaffiliated third parties '', which includes XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX etc.. 15 USC 6801 ( a ) clearly states : " ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Please be advised that you have a legal obligation to protect and not share my nonpublic personal information. 

" Nonaffiliated Third Party '' Defined : The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, '' Furthermore, I Do not and have never given your company consent to share my nonpublic personal information, and should there be an " Non-disclosure '' clause in your agreement/contract giving you the option to share my nonpublic personal information, I am demanding that your company provide me with the original unaltered agreement/contract with said clause included so that I can opt-out of your sharing of my nonpublic personal information. 

Per 15 USC 6802 - Obligations with respect to disclosures of personal information Before you shared my nonpublic personal information with nonaffiliated third parties, you were obligated to A ) provide me with a physical or electronic notice informing me that my nonpublic personal information may be shared with nonaffiliated third parties, B ) Give me an opportunity, BEFORE such information was shared to direct that such information not be shared AND C ) Provide me with an explanation on how I can exercise such nondisclosure option. 

With that being said, you infringed upon my privacy, violated several federal laws and took advantage of me by not informing me of my rights. Due to your negligence and furnishing/reporting of my nonpublic personal information to nonaffiliated third parties such as XXXX, XXXX and XXXX, I have been damaged, embarrassed and forced to miss out on personal and business opportunities. I hereby demand that all negative information ( E.g. Late payments, payment status, status, remarks, payment history guide ) regarding the account referenced below be removed and updated to Paid on time, Paid as agreed etc. 
account number " XXXX ''. Should you accept my demand, I will not escalate this matter further to a federal complaint and or suit. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (WA)

Hello, in early XXXX of this year I had to complete a security check for a financial institution, XXXX XXXX, and failed the check. Then on the XXXX XX/XX/2022, I failed another security check with XXXX, an insurance company. From the questions both agencies asked me and the answers that were presented, it appears that the company/companies compiling this information has me confused with a person with a similar that is my age and lived in cities that I also lived in but is not me. My recent credit reports do not have me confused with this other person, only these security questions.
Consumer complaint received 2022-09-28
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. (MI)

In accordance with the Fair Credit Reporting and XXXX XXXXXXXX Account # XXXX, XXXX Funding Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I submitted disputes and the FTC report for the fraudulent accounts that were opened using my identity and credit. After XXXX, XXXX, and Experian conducted their investigation of the following accounts they still refused to remove these accounts which are fraudulent. 

XXXX XXXX Adjustment - Account Number XXXX - Amount : {$360.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX-EXPERIAN-XXXX  XXXXXXXX XXXX XXXX Account XXXX XXXX - Amount {$600.00} XXXX XXXX - Account Number XXXX -Amount XXXX {$950.00}
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (AZ)

Date of incident XX/XX/XXXX COMPANY : CONTINENTAL FINANCE COMPANY ( SURGE CARD ) I made a payment on XX/XX/XXXX in the amount that was due {$35.00}, but later I was checking my acct with XXXX ( surge XXXX ) on line an saw XXXX payments were initiated. 
I didn't feel like calling and being on hold, so I just said I would let them both process. 

A week went by and the money never came out of my checking acct with XXXX which is what I used. I called the representative ( male ) told me tht the XXXX payments were being returned by my bank, I told him impossible they money is there, there are no RTItems on my account so something on there end must be wrong. 
He then said it was rejected never hit my bank, I told him all my information was correct and that the day I made my payment XX/XX/XXXX i only made one but two was initatied and that maybe that had something to do with it. 
I asked him to remove the late fee XXXX on XX/XX/XXXX and return item fee XXXX for both which would total XXXX and he said he couldn't because it was showing yet wait for my statement. 
but it did show on my end so I called back XX/XX/XXXX wanted the charges removed it was not my fault that the money was there.I told them he talked to my bank on a three way call, and they confirmed the money was in my acct and had been. 
that nothing tried or attempted to process and the bank got off the phone. 
He said he didn't have ref # for calls but that when I called back to get fees waived they could listen to the call and he would put notes. 

anyways, i asked them to listen to the call and waive all fees, clear my acct so it doesnt reflect anything negatitive as I pay always on time, and twice a month some times since i had the card. 

they refused. 
Also, i spoke to a specialist she had over three checking accts on her end but I couldnt see them on the online system were you select your acct and what she had was not anything i use. 
She deleted them all, but again the accounts i used and read the number back to her, she didnt even have. So what I did and will continue to do is caLL AND USE A DEBIT CARD. ON XX/XX/XXXX WHEN I CALLED I PAID XXXX WITH A DEBIT CARD WHCIH CLEARED INSTANTLY WITH A FEE OF COURSE. IF A CONSUMER HAS TO PAY WITH A FEE BECAUSE THERE IS A ISSUE WITH PROCESSING THROUGH CHECKING ACCT 'S IT SHOULD BE WAIVED. 

WHY ARE WE BEING CHARGED TO USE A DEBIT CARD?
Consumer complaint received 2022-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOUSTONIAN MORTGAGE GROUP, INC. (TX)

I requested validation twice. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. They should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 ay validation request to prove i owe the debt to XXXXXXXX XXXX directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.
Consumer complaint received 2022-08-22
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. (NY)

I reached out to XXXX in regards to an account that does not belong to me. They have continuously denied my dispute requests even after sending in personal identification documents to verify the account. This account does not belong to me yet they continue to report it on my credit file. I have disputed this account with Equifax numerous times and they continue to verify it as accurate however upon reaching out to XXXX, they are reporting an address and name that does not belong to me nor shows up on any of my credit files account. I reached out to XXXX and requested proof of ownership of this account, however XXXX was not able to provide this proof of ownership. They were not even able to send a letter back stating that they can not provide proof of ownership. When I contacted them, they claimed that it should've been mailed to my address on file. This is blatantly idiotic because I have disputed that the information they have on file does not match up with my personal information, so clearly I would never get letters about an account or dispute decision to an address that doesn't belong to me. I have contacted XXXX numerous times and they refuse to remove this account from my Equifax credit file even though my personal information shows that the account doesn't belong to me. I disputed this same account with XXXX and XXXX and it was swiftly removed because it doesn't belong to me.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have not used my reports from XX/XX/2021 I have 10 inquiries on my record that I did not authorize anyone to try to apply for and I have two collections on my record that I do not use by anything I have internet service from XXXX XXXX phone company I do not have a tv I did not authorize any information on this report it is all fraud and I need them to delete this immediately