davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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. (GA)

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included these in my previous Complaint & I am including them again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$410.00} ; XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-16
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. (IN)

XXXXXXXX XXXX XXXX XXXX has reach out to me concerning a credit card collection .This is against my consumer rights. 
15 U.S.C. 1681 section 602 A. State 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 an account without my written instructions.

15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate in connection with the collection of any debt.
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 information incorrect
Company: EQUIFAX, INC. (GA)

I've filed multiple disputes ( XX/XX/2022, XX/XX/2022 & XX/XX/2022 ) with Equifax regarding a student loan that continues to show on my credit report with them from the XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$4.00}. 

The amount represents a student loan for which I applied and was approved for last XXXX to attend XXXX University ( XXXX ). However, I withdrew from the program prior to the last official day possible to receive refunds. I've confirmed with both XXXX and XXXX that the funds in question were returned to XXXX. However, every time attempt to have my Equifax credit report corrected to reflect such I am rejected. I have received repeat dispute rejections from Equifax stating that XXXX confirms that the information and account balance of {$4300.00} listed on my credit report is correct. But on my credit report with the other two reporting agencies, the balance for this particular loan reflects a {$0.00} balance. When I called XXXX months ago I was also told that my balance was {$0.00}.
Consumer complaint received 2022-06-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Asset Agency, Inc. (TX)

The company has been contacting me for a year trying to get me to pay from a dispatch office which first contact was XXXX XXXX. The debt I owed is now in collections and they are trying to collect more then the amount owed. My debt is {$200.00} and the collector is asking me to pay {$1100.00}. They call me at all times of day and call my references and job I don't even work at. They are stating I will be sued and incarcerated if I do not pay them. I tried to settle it once but the payments were going to some off label company not the debt collector company. I don't have all the calls because of my call log history but I can provide it.
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 information incorrect
Company: EQUIFAX, INC. (NC)

This is reporting on my credit and its incorrect for one I was never notified of when and where the car was being auctioned off also they never updated the account after selling the car at the auction.Also The account there reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately.
Consumer complaint received 2022-12-29
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. (OR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. US Department of Education : # XXXX, US Department of Education : # XXXX, has violated my rights. I've compared all three credit bureau reports side by side an notice Experian is the only credit bureau with this Inaccurate information. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
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: EQUIFAX, INC. (AL)

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

This company continues to report a 30 day late payment to XXXX, Equifax and XXXX from XXXX of 2022. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2022-06-07
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: Experian Information Solutions Inc. (GA)

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

15U.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. 

Also I contacted the debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts According to 15 U.S Code 1681i ( 5 ) the above accounts are in violation.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I contacted the chase executive office multiple times to provide information from the merchant admitting they found the product I never received that they ignored my attempts to contact them and provide the information so they wouldn't have to provide a refund. They initially ignored information to help me prove my case to save money. They are participating in fraudulent behaviors alongside merchants and I have the correspondence to prove it, The merchant contacted me on XX/XX/XXXX and admitted to never providing my product. U contacted chase executive office four times on XX/XX/XXXX twice o XX/XX/XXXX, I can provide a screen recording from the voicemail of the merchant. I've attached a recording showing the merchants number, when they called, as well as the direct contents of the voicemail admitting they never provided the item. I contacted the merchant on XX/XX/XXXX, and twice on XX/XX/XXXX requesting my refund prior to contacting the executive office.
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX of XXXX i sent in dispute letters to transunion, XXXX and XXXX After learning more about my rights as a consumer, i obtained a copy of credit report the month prior to disputing. I noticed multiple inaccurasies which i detailed in my dispute letter, not one response was made from my dispute letter. 

Each of these accounts violated, 15 usc 1681 e b- accuracy of a report, whenever a furnisher reports any information on behalf of a consumer ( me ) it shall follow maximum possible accuracy. Because these accounts have multiple inaccurasies, i demanded them to be removed because they were in violation. To add another reason why these accounts need to be removed from my credit report is each account violating 15 usc 1681 b under permissible purposes i never any of these accounts any written consent to report anything to my consumer reports and because i didnt consent that means fraud to me. 

XXXX XXXX XXXXXXXX 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 — Account information incorrect
Company: Georgia Student Finance Authority (GA)

I've filed multiple disputes ( XX/XX/2022, XX/XX/2022 & XX/XX/2022 ) with XXXX regarding a student loan that continues to show on my credit report with them from the Georgia Student Finance Authority ( GSFA ) in the amount of {$4.00}. 

The amount represents a student loan for which I applied and was approved for last Fall to attend XXXX University ( XXXX ). However, I withdrew from the program prior to the last official day possible to receive refunds. I've confirmed with both XXXX and GFSA that the funds in question were returned to GSFA. However, every time attempt to have my XXXX credit report corrected to reflect such I am rejected. I have received repeat dispute rejections from XXXX stating that GSFA confirms that the information and account balance of {$4300.00} listed on my credit report is correct. But on my credit report with the other two reporting agencies, the balance for this particular loan reflects a {$0.00} balance. When I called GSFA months ago I was also told that my balance was {$0.00}.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Regarding complaint - XXXX Equifax stated they verified all information was accurate. 
My question is how was this information verified. What was Equifax method of verification. 
I need to know if Equifax followed reasonable procedures to verify my information, which is fair to me as a consumer, with proper regard to confidentially, accuracy, relevancy and proper utilization of the credit report Equifax is still reporting late payments Non public personal information is supposed to be excluded from my credit report, this includes transaction between myself and the furnisher. 
This is a violation of code 18 usc 894 I demand Equifax provide a agreement between me and them stating that I gave them permission to furnish any information on my behalf. 

I need proof of all of the above.
Consumer complaint received 2022-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (FL)

I have several accounts with CMRE financial, i was XXXX  every single month for a year and couldnt hold a job bc of the XXXX. While in the XXXX, i applied for financial assistance with every hospital ( all a XXXX XXXX XXXX ) and was granted assistance. So im terms my bill was paid for. 
While looking at my credit report, there are several accounts with the same dates that are reporting different amounts. I have tried to call this company and they will not return my calls.
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: AmeriCollect (IA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, AMERICOLLECT INC XXXX XXXX XXXX XXXX XXXX XXXX have 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 also states, '' a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (MS)

I live in XXXX XXXX and my Loan was purchased by a XXXX XXXX called " Planet Home Lending ''. At the time they purchased my Loan my payment went through XXXX and my note was {$410.00} Planet Home Lending purchased my loan in XXXX XXXX. Since then my note has gone up to {$820.00} nearly doubling. They are holding {$930.00} of my money in reserve ( escrow ) and not paying me interest on it. They went up on my note after me telling them to " waive the reserve '' which is what XXXX did for me so that I could keep my note affordable. I went to the XXXX XXXX and resolved the issue with my taxes which have been prorated for XXXX and I turned that in to them so they could accurately recalculate my note. I have spoken with Planet on this matter after learning of a tax mistake and I ask them to do a " Escrow Spread '' after they were to have " waived the reserve of {$930.00} '' that I have already paid them, which would not have increased my note by much but they didn't do that nor did they honor a letter I recieved after they took over my loan from the Home Affordable Act Stating that I was to recieve a {$5000.00} final reduction in my principle for successfully completing the HOme Affordable Program. THIS COMPANY SHOULD BE SERIOUSLY INVESTIGATED FOR IT'S ESCROW POLICIES IMMEDIATELY.
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

Roundpoint mortgage was the servicer on my account. My taxes were due in XXXXXXXX XXXX They sold the servicing of my mortgage on XX/XX/2022 to XXXX XXXX XXXX I received a letter from the state saying that I had not paid my taxes and now I am delinquent on my taxes. When I reached out to Roundpoint they said they accidently paid XXXX XXXX instead of XXXX XXXX XXXX. I emailed them the past due notice on XX/XX/XXXX. I have followed up with ever week since I sent the email with the notice. They keep saying they are waiting to hear how they are going to get the money back from XXXX In the meantime, my taxes are in default and I could get a lien placed on my home.
Consumer complaint received 2023-05-09
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. (TX)

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 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

UPDATED INFORMATION** I was discriminated against in this consumer credit transaction. This willfill action was adverse to the interests of me the consumer. For purposes of any determination of whether an action is an adverse action under paragraph ( 1 ) ( A ), all appropriate final findings, decisions, commentary, and orders issued under section 1691 ( d ) ( 6 ) of this title by the Bureau or any court shall apply. For purposes of 1691 ( d ) ( 6 ) subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. How can i be denied the use of my credit. It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction provided the applicant has the capacity to contract. i hope to resolve this matter of discrimination as soon as possible. I already sent American Express with a cease and desist which they violated as well. If you can prove American Express that you are not discrimination or i will have to pursue this matter though litigation as the Federal law suggests. 
CFPB Ref No : XXXX Ref : XXXX Reference Number XXXX
Consumer complaint received 2022-11-30
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. (GA)

I sold a property. The closing attorney paid off the balance with XXXX XXXX on XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX still lists the balance as unpaid and filed a XXXX day late report with Transunion and XXXX. I disputed this fact. But XXXX XXXX reconfirmed that the full balance is still owed. However, I am in possession of a XXXX statement and a letter from XXXX XXXX stating that the account is closed. I tried to dispute the reports again, submitting this information to no avail. The bureaus responded that the investigation is closed.
Consumer complaint received 2022-11-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (FL)

To whom this may concern, last year of XXXX I applied for the Forbearance program and I got approved. I was told after completing the program that payments will be added to the end of the loan. I spoke an associates back in XXXX, and I was informed they will send documents for me to sign and Notarized then send back and it should take XXXX days. I started making my regular payment of XX/XX/XXXX. I have not missed a payment yet. I continued to call every month to find out the status of the Documents and no one seems to know whats going on. I requested to speak to a supervisor multiple times but instead I got hung up on. Other times I was told a Supervisor will be calling me back and still have not got a call back yet. I am exhausted and frustrated.