davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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. (NJ)

This Credit reporting agency are reporting inaccurate accounts on my file even though they have actual knowledge of the errors on these accounts they are now deliberately violating my consumer rights. 

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 States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C also this law clearly states that without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer,
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (IL)

On XX/XX/2022, I received an alert that my score had plummeted a significant amount. Upon reaching out to the major credit bureaus, I was received by their automated answering machines which both hung up the line several times. Upon finally getting to an actual live agent ( with Experian ) after trying for about 45 minutes to 1 hour, I explained to them that my credit score had decreased by about 50 points in one day even though I had no outstanding debts and my student loans had been paid off in full. They then brought my attention to the fact that there was still one account that was potentially still negatively impacting my credit score. It was an account that had been paid off and closed for about 2 years. Furthermore, at the time at which I had paid off this account I was told that it would be closed and would no longer be a factor in my credit report. Therefore, I proceeded with that information in mind. After explaining this situation to the agent I had finally been able to reach, they essentially told me their was absolutely nothing they could do for me except connect me with a credit monitoring agency which charges XXXX $ /month for their services which I can not afford.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OH)

The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a Pell Overpayment from XXXX University, and it was closed XX/XX/2017. However, upon speaking with XXXX University 's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. Additionally, Great Lakes was contacted and provided proof that there is a {$0.00} balance.
Consumer complaint received 2022-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (NC)

I'm a US Veteran with a Service Connected Disability and a VICTIM of Fraud Since XXXX! This was Reported on XXXX But Predates to XXXX. There has been Several ONGOING Legal Issues which have NOT Resolved since XXXX Including 100 % Loss of all Financial Assets. 
Many XXXX Related Including Health Care Issues from Hospitalization. 
XX/XX/XXXX Account Balance {$130.00} By Unknown XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX And XX/XX/XXXX Account Balance {$130.00} Credtor Name ( XXXX XXXX XXXX ) THESE ARE NOT MY ACCOUNTS
Consumer complaint received 2022-06-16
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 Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WV)

On XXXX, I used the Wells Fargo Mobile app to deposit two checks, for {$2000.00} and {$1000.00}, respectively. As is typical, the success message indicated my funds would be available the next business day, which was XXXX. A screenshot showing the deposit details, including Available Date, is included. Then, on XXXX, I received an email from Wells Fargo advising me a deposit hold was placed on my account my deposited funds would not be available until XXXX. I contacted Wells Fargo and was told that it can sometimes take longer for checks that have been deposited to clear. This did not seem to make any sense and was not in line with how Wells Fargo has processed deposits for the five years I have banked with them. A " reasonable time '' for a local check to clear is 2-5 business days, according to Regulation CC. That time period has lapsed, I have spoken with XXXX at Wells Fargo Corporate, and Wells Fargo is still unwilling to release the funds until XXXX. I believe I am being retaliated against for having a recent negative balance. I was a XXXX  at the time and just graduated. The negative balance issue has been cured.
Consumer complaint received 2022-07-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I ordered a copy of my report in XXXX  dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the following erroneous accounts that are reporting on my credit report ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-16
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. (NJ)

This Credit reporting agency are reporting inaccurate accounts on my file even though they have actual knowledge of the errors on these accounts they are now deliberately violating my consumer rights. 

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 States a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692C also this law clearly states that without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer,
Consumer complaint received 2022-06-16
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. (NJ)

This Credit reporting agency are reporting inaccurate accounts on my file even though they have actual knowledge of the errors on these accounts they are now deliberately violating my consumer rights. 

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 States a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692C also this law clearly states that without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer,
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-16
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. (TX)

I am a victim of identity theft. I have disputed these credit card accounts XXXX XXXX XXXX XXXX for {$2900.00}, XXXX XXXX XXXX XXXX for {$5600.00}, XXXX XXXX XXXX for {$1500.00}, and XXXX XXXX for {$310.00}. I filed an identity theft report. These accounts still have not been removed from my report. I have never had an account with these companies and would like for this to be removed from my credit report.
Consumer complaint received 2022-06-16
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. (MD)

i remember going to the dealership for a car purchase.i was asked for my SSN which i obliged only to be having to deal with all this inquiries.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

. 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.
Consumer complaint received 2022-06-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

In accordance with the fair credit report. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681-section 602 States I have a right to privacy USC 1681c section 604 section 2- also states a consumer reporting agency can not furnish an account without my written instructions. USC code 1681 no consumer report containing any adverse items of information other than records of convictions. 
XXXX XXXX acct XXXX XXXX of 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 2024-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

Im k I am or a as in a XXXX XXXX  plan and I have a FIXED 2 % mortgage and I am a XXXX Homeowner exemption 50 % and my mortgage servicer who took over in XXXX as I know Shellpoint mortgage servicer which I had XXXX XXXX  until that point sent me a letter in XXXX telling me I am XXXX behind in payments and they refused to take my payments which is false as I have all my payments from XXXX of XXXX when I filed XXXX XXXXXXXX never missed a payment I went to bank XXXX and got all copies sent it to mortgage company as proff then in XX/XX/XXXX they added {$71000.00} to my monthly payments starting in XX/XX/XXXX they sent me a notice my new mortgage payment is now {$4100.00} instead of my fixed 2 % payments I was paying of {$2900.00} i am 50 % DHE homeowner and my insurance stayed the same or went down I asked I have a fixed mortgage had no increase in escrow and they said that I was XXXX in escrow so I looked back on my mortgage bills and it was like that or into been there dont no where it came from but before I entered into the XXXX XX/XX/XXXX it was there they XXXX XXXX the accounting and now they want to add it to me when I have a fixed mortgage 2 % that is improper and illegal practices by the bank and I want it fixed. I am not going to pay it I contacted my bankruptcy attorney XXXX XXXX XXXX XXXXXXXX XXXX and left numerous voice messages a numerous emails and texts in regard with no response and I have proff of all of this plus prior mortgage statement to the XXXX XXXX of XXXX and it was there so I want this XXXX they added to my monthly payments removed immediately
Consumer complaint received 2022-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

I did not know that my friends account has been hacked. I thought that was her and she referred me for investment to another person on instagram. In short these XXXX worked in collaboration for scamming. I sent XXXX transactions XXXX for initial investment, XXXX taxes, XXXX membership, XXXX ( XXXX for bitcoin mining investment and XXXX for her commission. ) This transactions happen XXXX XXXX and XXXX XXXX XXXX each day. XXXX XXXX when our common friend told me that her account was hacked. I did not know. I contacted chase every week eversince that incident. I reported them to Federal Trade Commission, FBI and even to my local police department wherein they made me a police report. As of today when i called chase, they closed my claim already for that XXXX saying that that is XXXX and i authorize the transaction and there is nothing they can do about it. They even do not want to tell me where the money goes to. They said in order to protect other party security they can not divulge that information. My local police department detective is checking with the chase department security. 
All the weeks i kept on following up with chase bank and it is a waste. I am so frustrated that they can not do anything about the XXXX usd money i have been scammed with. I am in emotional stress and distress. I have been scammed XXXX. My employer did not pay me too in NJ where i worked XXXX hours. Financial crisis is here. i do hope there is something you can help and do to recover my funds. God bless you always.
Consumer complaint received 2022-06-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have tried contacting XXXX on both accounts and tried to fix this with Transunion. 

1 Account was a credit card that was never paid late but did not show as a credit card and the other was an in-store credit account that was taken out monthly by them and was never paid late. 

I went around and around with transunion to update this and nothing has been fixed and even got the run around with XXXX and they said they would fix it and never did My attorney told me to file a complaint with CFPB and make sure that Transunion received the PDF so that we can get this filed at the local court asap to get it fixed. 

I have included a PDF for both accounts.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (VA)

Experiencing financial hardship I have attempted to deposit my stimulus check from the U.S. Department of Treasury. Current Mobile bank states this check could not be verified. In turn, confirmation from U.S. Senator XXXX XXXX 's office with the verification, Taxpayer 's Advocate ID, was submitted still wasn't enough for Current Mobile banking. 
Yet, this bank advertises for direct deposit to include Social Security checks which are dispersed from the only U.S. Treasury Department.
Consumer complaint received 2022-11-23
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. (NJ)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2022-06-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

Greetings, I received a letter stating, the accounts below were verified in which disputes still arise to exist for the following : 1. ARS ACCOUNT RESOLUTION # XXXX I did not authorize for the original creditor to release any private medical information to any third party. Please be advise ; this goes against HIPAA under a violation as Im allowed to dispute when it involves PHI ( Protected Health Information ). This needs to be removed from my report immediately. 

2. ARS ACCOUNT RESOLUTION # XXXX This also goes against the violation of HIPAA in which I have every right to dispute the PHI obtained by all unauthorized third parties. Without privacy forms filled out nor granted ; the original creditor was not given permission to release PHI ( Protected Health Information ). This needs to be removed from my report immediately.
Consumer complaint received 2022-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (GA)

XX/XX/2022 called AidVantage at approx. XXXX XXXX  -- My original call was to request a refund of payments made during XXXX back on XX/XX/XXXX. I was told it would take about 4-6 weeks. I waited 6 weeks before calling back for a status. I was then told I could not be given a status and that it is now taking 10-12 weeks. I was of course not happy about the lack of communication about the time frame change and the inability to tell me where I was in the process. We did not agree on the time frames and she thought she put me on hold to hang up. While she thought I was on hold she called me an ungrateful XXXX then when I asked not to be spoken to that way, without comment, the call was disconnected and went to an automated survey. I understand frustration but I am not OK being cursed at by a customer service rep at any time from a company that I am forced to do business with. Especially when I did not use any foul language towards the rep.
Consumer complaint received 2022-07-16
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: EQUIFAX, INC. (FL)

Im an XXXX person whom never had a change. I know I tried many times over the years to build credit only for it to say I have no credit history. For the more there are many inconsistencies on all my on all the credit bureaus not allowing me to ever establish or apply for any housing or even obtained a phone. When applying for housing or a phone or any kind of thing my credit is always looking to account it's low and I have been establishing my credit since my twenties I am now XXXX XXXX XXXX and I still do not have credit after XXXX hit my credit has not took another hit I feel I am being XXXX  discriminated against are are my children. As XXXX counterparts have a higher credit score and even XXXX  I have tried multiple programs of repairs and everything but it doesn't matter my credit score always says the same thing low no credit history which is not true and a lot of delinquencies which is not also true they continue to have a bunion see of credit inquiries on my credit account and will not removed all three bureaus I am in so I am also in the process of suing because they are blocking my opportunities I'm not able to apply for housing through Section 8 I'm not able to obtain housing first time home buyers I'm always told I have to wait two years to build my credit with XXXX XXXXhis is only due to XXXX XXXX  yes on my account I know I have a few account I even attended to pay the boss I even attempted to take them off and they have charged-off accounts on my account and will not remove them they are XXXX XXXX me and keeping me in a position where I'm not able to even purchase a home I always have to pay higher rates deposit down because everyone sees me as a high-risk and I'm so fed up with it.
Consumer complaint received 2022-07-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After the investigation, on XX/XX/2022 i was told the two accounts mentioned are not listed on the credit report and all other accounts have been verified. This was false, I listed all accounts with inaccuracies being reported. Refer to the documents attached which shows proof of my complaint. I have not been given a fair and accurate investigation. 

This includes the date last active, the open date, two year payment history, last payment date, and the date last reported. I feel like my rights was violated and i didn't receive a fair investigation. This has cause me so much hardship and stress.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report. 

Please refer to accounts listed on the documents provided.