davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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: Bread Financial Holdings, Inc. (FL)

New information. 

notice i claim harm by way of trespass and i a man privacy rights. 

YOU BROKE THE LAW my rights these are my rights i am a man i know my rights my rights are if you do any wrong if you trespass by way of extortion in any way if you harm i or goes in care of i or the property of i if any harm to property or any undue exercise of power if you did that i will hold you accountable because i know my rights and i know how to express my rights and my law and i will file a claim on you and i will press my claim.

pursuant to 15 USC 1681 ( 4 ) XXXX XXXX you fail to comply with law, i a man did not consent to or authorize XXXX XXXX a man or woman to sell or transfer my personal and private financial information or data to ANY corporation or organization or affiliates. XXXX XXXX a man or a woman fail to provide or produce material documents or law to support his or her statement. See exhibit A Notice, it is a fact, claimant is aware, pursuant to 15 U.S. Code 6801 ( a ) i a man, has the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information, please be aware that this option was not presented to i a man which is a violation of law. 

pursuant to 15 USC 1692b ( 2 ) i a man did not consent to or authorize XXXX XXXX or COMENITY BANK to furnish i a man personal or private financial information any unlawful or extortion or any undue exercise of power identified will result in a claim against you in federal court for violating i a man rights. 

i a man is demanding that XXXX XXXX delete or remove ALL three ( 3 ) accounts listed below from my consumer report. if XXXX XXXX fail to comply with the law will result in a claim file against you for failure to comply with law. 
accounts removed or deleted from my consumer report. see below account ending in ( XXXX ) account ending in ( XXXX ) account ending in XXXX, previously ending in XXXX Civil liability Notice, it is a fact, claimant is aware, negligence is neglecting requirements that should be known. i a man the claimant and consumer, made XXXX XXXX a man or a woman aware of, prior and continued failures of reasonable procedures as seen in Exhibit ( A ). i a man claimant has reason to believe and do so believes due to XXXX XXXX and COMENITY BANK unlawful or deceptive business practices, XXXX XXXX a man or woman actions are liable under 15 U.S. Code 1681o for the actual injuries caused to i a man, the consumer in fact. 

regards, i a man
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc. (NE)

I have a lot of incorrect information on my credit report that XXXX, XXXX and XXXX is refusing to take off! There are wrong balances, incorrect addresses that are not mine as well as not even valid addresses! 
XXXX dollar hospital debt from a place I have never been too! I disputed it and it came back accurate when in NEBRASKA we have HIPA LAWS so there was no way they could have accurately verified that! Would have been a violation of my rights! 
There is missed payments when I havent missed any payments! These credit bureaus are purposely being negligence towards my credit report and reporting false information! 
I have disputed repeatedly as well as tried reaching out to original debitor to resolve these debts and get them removed but all to no prevail!
Consumer complaint received 2021-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom it may concern, I am informing you of serious FCRA violations that have been conducted by Transunion in reference to my personal credit file. There were unauthorized inquiries made on my credit report. I formulated a dispute letter directed to Transunion outlining my concern for this matter. I requested an investigation into the unauthorized inquiries in which I never made. I asked for supporting documentation to solidify any legal reasoning for them to report these entries to my credit file, and if it no positive evidence materializes, remove the inquiries from my report. No investigation was ever conducted, as Transunion never responded to my request. The certified letter was delivered to : Transunion XXXX XXXX XXXX XXXX XXXX XXXX The certified mail was signed for by XXXX XXXX XXXX XX/XX/XXXX at XXXX a.m. with XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. As I am writing this complaint, today is XX/XX/XXXX, which is 7 days past the FCRA legal threshold that a credit reporting agency has to respond to a consumer dispute ; per FCRA the inquiries must be removed from my credit file. Transunion never responded nor did they remove the inquiries. My latest report from XX/XX/XXXX continually reflects the unauthorized inquiries. These are violations of the 15 U.S.C. 1681s-2 ( b ) -Obligations To Investigate, and FCRA S611 ( 15 U.S.C S1681I ) - Procedure In Case Of Disputed Accuracy. I have attached all supporting documents to this complaint.
Consumer complaint received 2022-06-28
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. (CA)

After researching, I found under the XXXXair Reporting Act ; everything must be 100 percent accurate on my credit report. Upon requesting that Experian verify and correct my credit report, I found inaccuracies from the re-investigation relative to the XXXX XXXX  account. The date of the Last Activity and the Date Reported is inaccurate. 

The inaccuracies reported are grounds for the removal of this account. The credit bureaus have violated my rights numerous times. 

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

According to 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

According to 15 U.S.C 1681s-2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I contacted CHASE via telephone regarding my tax child credit check being put on hold until XXXX XXXX 2021. I have called XXXX waited on the line for XXXX minutes with no response and the XXXX time I called the wait to speak to the department that handled the clearance of the check had more then doubled its wait time. I have deposited several of this checks ( From the United States Treasury  ) before to my account without any problems or holds, however this time I am not being given explanations of why this particular check is being held for so long.I was told the representatives taking the calls do not ha access to this information. However the department responsible is saturated. Please help me resolve this issue
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I have CONSTANTLY been in contact with the Furnisher for a year and still no response on this FRIVLOUS DEROGATORY MARK appearing on my reports I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX  has never proved this debt belong to me legally.
Consumer complaint received 2022-03-01
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)

In accordance with fair credit reporting act XXXX XXXX  XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Insurance policies were cancelled in XXXX but yet {$53.00} continues to be outstanding I requested waiver from XXXX with no response The Subscriber Savings Account balance is due me now that there are no insurance products When I canceled policies in XX/XX/2021 I was told there was no balance on homeowners, valuable personal and vehicle policies The XXXX XXXXsubscriber savings disbursement is being held up for this {$53.00} balance Requesting waiver of {$53.00} as no policies remain. USAA cancelled some policies in XX/XX/2021 and I cancelled remaining in XX/XX/2021 Please return entire SSA Bal {$6200.00} and waive alleged {$53.00} due USAA has no complaint tracking policy which violates CFPB mandates and is constantly receiving OCC sanctions for its illegal practices This is elder abuse and age discrimination by USAA
Consumer complaint received 2022-06-28
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: CREDIT ACCEPTANCE CORPORATION (LA)

I have contacted Credit Acceptance numerous times & have gotten unsuccessful results. This company is reporting inaccurate information on my credit report also. The balance is false that they claim I owe. A lot of information they're reporting is false. The account balance was dismissed during the pandemic for insurance reasons that the collection company refuse to disclose to me. They also told me that they couldn't give me any information because they no longer have the account. Credit Acceptance told me that the account was sold to a law firm in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This number is non-reachable & I have no good contact for this company. Credit Acceptance is the ONLY collection listed on my credit report for this debt, NOT XXXX XXXX XXXX. This is illegal!!! This company is violating my consumer rights because they are reporting false information to the credit bureau on an account they claim they no longer have. Please DELETE this deceiving information/account from my credit report.
Consumer complaint received 2021-12-11
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. (OH)

Looking over my credit and seen some items does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (FL)

I have been in XXXX  getting my XXXX  for the past several years. I have never had a late payment because I would call and discuss that I am still a student and get the payment deferred until it was time for me to finish school. I have had the creditor call me to discuss repayment and each time they tell me they can defer the payment. Most recently XX/XX/2022 I noticed there was a late payment added to my credit report from Federal student loans. I am very confused because due to Covid payments were deferred and still are. I am not sure why a late payment was added to my credit report and I have reported it to the credit bureau multiple times.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have been in XXXX  getting my XXXX for the past several years. I have never had a late payment because I would call and discuss that I am still a student and get the payment deferred until it was time for me to finish school. I have had the creditor call me to discuss repayment and each time they tell me they can defer the payment. Most recently XX/XX/2022 I noticed there was a late payment added to my credit report from Federal student loans. I am very confused because due to Covid payments were deferred and still are. I am not sure why a late payment was added to my credit report and I have reported it to the credit bureau multiple times.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

he debt collector, XXXX, is claiming that I owe a cable provider debt that I do not owe. They claim that this debt was incurred in XXXXand this is OUTRIGHT FALSE. 

The last time I had cable television in my name was in XXXX or XXXX. As far as I remember, that account was closed satisfactorily with no payment due. However, even if this were not the case, this debt would be over XXXX XXXX XXXX. 

Furthermore, I lived in XXXX from XX/XX/XXXX until XX/XX/XXXX. Since I was there working the refugee crisis, my time in XXXX is well documented via major media like XXXX XXXX, and social media pages. 

At best, this company is REAGING old debt to make it appear new. A practice illegal and violating my rights to have my credit reported ACCURATELY. 

At worst, they are making up debt all together. 

Because I am rebuilding my credit and have VERY LIMITED number of accounts, the damage of this collection account has been immense and I have been rejected from many financial opportunities. 

I can not even get approved for the smallest card amounts and have been unable to rebuild my name because of their illegal practices. 

I disputed this account with Experian back in XXXX and this company verified the false information they are providing and Experian took their word for it without an further investigation that would have concluded this is NOT a valid debt or that it could possibly be recycled and reaged. 

As such, I would like to file a complaint against both Experian and XXXX. But especially against XXXX. 

For them to intentionally cause financial harm to Americans with false information after everything we went through with XXXX shutdowns is particularly repulsive.
Consumer complaint received 2022-06-28
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. (PA)

Ive been disputing these accounts because not only they are inaccurate they violate my Hyppa rights Please note that I have not given prior consent to no medical facility to give my medical information to a third-party agency please have the credit bureaus properly verify and provide The original contract with my wet signature stating that we agreed to those terms and agreement with me and XXXX XXXX XXXX And to please provide the medical Hyppa agreement stating that I gave permission to the medical facility to give my information to a third-party agency Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-28
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. (PA)

Ive been disputing these accounts because not only they are inaccurate they violate my Hyppa rights Please note that I have not given prior consent to no medical facility to give my medical information to a third-party agency please have the credit bureaus properly verify and provide The original contract with my wet signature stating that we agreed to those terms and agreement with me and XXXX XXXX XXXX And to please provide the medical Hyppa agreement stating that I gave permission to the medical facility to give my information to a third-party agency Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-28
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 RECEIVED A COPY OF MY CREDIT REPORT AND I NOTICED ACCOUNTS WHICH IS NOT MINE. 
I BELIEVE, THAT SOMEONE USED MY PERSONAL INFORMATION, BECAUSE ONE OF CREDIT BUREAUS REPORTING WRONG DATE OF BIRTH, I WAS VICTIM OF IDENTITY THEFT, I HAVE NO CONTRACTS WITH MY SIGNATURE, I DON'T WANT TO BE RESPONSIBLE FOR SOMEONE'S DEBTS.
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My husband and I refinanced our mortgage in XX/XX/XXXX and paid an extra {$15000.00} to remove PMI from our payment. Everything was great until I received notice in XX/XX/XXXX that our payment was increasing by $ XXXX due to a depletion of our escrow account. My husband is a XXXX XXXX processor, so he is very familiar with the process. Upon investigation, he realized that PMI had been added to our account and funds had been deducted from our escrow account since XX/XX/XXXX. In all, over {$2100.00} was mistakenly removed from our escrow account. We called NewRez and they agreed that it was an error and removed PMI as of XX/XX/XXXX. We also received a letter in the mail on XX/XX/XXXX indicating that the PMI provider XXXX is processing a refund. However, after waiting for XXXX months, multiple phone calls ( including speaking with various managers because there are no direct extensions ) and a few separate escrow analyses, we have yet to receive a refund. The only message we've received is to wait longer. We have wasted nearly XXXX hours on the phone, writing letters, and making calculations, and are currently being required to pay nearly $ XXXX ( initially {$400.00} ) extra for the escrow shortage. We would much rather resolve this issue with the company than submit a complaint, but it seems like this is our only option at this point.
Consumer complaint received 2022-06-28
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. (TX)

I have no knowledge of these company 's and when I reached out they had no knowledge or record of my application the companies are. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been over 30 days since I sent dispute letters to the credit bureaus of false accounts on my credit reports. I have not received any results about my investigation. This is a violation of my credit rights.Letters where sent out XX/XX/2021.
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MN)

To whom it may concern, I am filing a dispute against AmeriHome Mortgage. The company reported a deliquency in my mortgage payment stating I was behind XXXX months of payments although, as of XX/XX/XXXX, I was enrolled in auto XXXX XXXX. I had recieved confirmation that my first Auto pay would process XX/XX/XXXX. On XX/XX/XXXX my Mom was having XXXX XXXX and she became my priority focus. It was not until XX/XX/XXXX I realized my credit score had been affected ( drop in points ). While investigating what happened, I came to realize that it was from AmeriHome Mortgage stating I was behind on two payments. This was a suprise to me since I had confirmation I was set up on auto pay. Because AmeriHome is closed on weekends I was unable to contact a representive however, I did immediatley, on Saturday XX/XX/XXXX, make an on line payment to AmeriHome. On Monday XX/XX/XXXX, I contacted AmeriHome and explained the situation. They stated my payment I made on Saturday XX/XX/XXXX had not come through yet. I offered to make the entire payment over the phone and they would not let me make a partial payment over the phone until that payment came through. They also stated I was a new costomer so it would take a few months for the auto pay to go into effect but it should be working by XXXX. I have a verification that was sent to me on XX/XX/XXXX stating I was enrolled and the first payment was to come out on XX/XX/XXXX. ( See Attached ). I asked how I can get this all cleared up and remove the deliquency from my credit report and they stated I needed to file a complaint with the credit bureau. 

Series of events : On XX/XX/XXXX I started service with AmeriHome Mortgage XX/XX/XXXX I was confirmed that I was enrolled in Auto pay via email from AmeriMortgage XX/XX/XXXX discovered AmriMortgage did NOT utilize the Auto pay I set up for the month of XXXX or XXXX. 
XX/XX/XXXX electronic payment for the month of XXXX made XX/XX/XXXX I spoke with representive that informed me they do not see the electronic payment yet and that they could not take any payment from me until the posted payment is cleared and that I will need to call them back when that happens. They also told me to contact the credit Burea to file this complaint.