davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (TX)

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2019-03-21
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. (MI)

I HAVE BEEN WITH XXXX XXXX XXXX SINCE XXXX AND HAVE ALWAYS PAID MY BALANCE OFF IN FULL EVERY MONTH AND HAVE A GOOD TRACK RECORD IN XXXX - XXXX. WHILE AT THE HOSPITAL, MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND W2 AND 1099 FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. I ALERTED XXXX XXXX, XXXX AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH.
Consumer complaint received 2022-07-11
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. (TX)

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-01-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

During the National Disaster of the Coronavirus outbreak, I suffered great financial hardship. I immediately contacted Chase and they assured me I would be put on a deferment program. 
When it was time to begin my payments, i was informed that it was a forbearance, my underwriter ( USDA ) changed their minds and i was to come up with {$17000.00}. 
I have tried applying for funding through XXXX for the coronavirus grants for help, uet the XXXX of Michigan hasn't released the funding. I have been on a waiting lists for about 5 months now. I have contacted my XXXX XXXX and XXXX with no avail. 
I have been pleading for help, even got scammed by a person pretending to be Chase. 

I have tried everything and the USDA will not help with the deferred payments. 
I was not responsible for the Pandemic. This was a national disaster for which no one saw coming, and the federal government has allotted monies to help the people of the state of Michigan. 

I will lose my home. 
I beg for help I dont feel the banks and underwriters are using the funding available to the people correctly nor trying to help XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have failed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2022-12-08
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. (NY)

I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of this account for me to review the exact date on which the charge off was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
XXXX XXXX XXXX Date Opened:XX/XX/XXXXBalance : {$0.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian and XXXX neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2022-01-30
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: Experian Information Solutions Inc. (LA)

I am filing a complaint again with the CFPB as I have not received any resolution from all 3 credit bureaus. I started this process on XX/XX/2021 and now I get letter asking for confirmation of my identity. I have provided it back then and now I am providing this again through the CFPB. Please act on all my disputes. I believe this is just another delay tactic.
Consumer complaint received 2021-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One is engaging in unfair business practices by charging additional interest on their credit cards after the account balance has been paid in full utilizing their mobile app. for the purpose generating additional revenue for their company. Capital One Directs all of their customers to utilize their mobile app and is marketed as the preferred method for handling all things associated with your account. When utilizing the payment screen in their mobile app you only have the following options Last statement balance, current balance, minimum payment, and other. There is no payoff amount option shown. Nor is there any information when making the account balance payoff you will be charged additional interest from the previous month 's balance despite paying off in full the account balance shown in the app. The purpose of the app is to show the status of your account in real time. 

On XX/XX/2021 my husband and I each paid off the account balance shown for our separate capital one credit cards, in his case {$3.00}, XXXX and my account balance $ {$1400.00} ahead of XX/XX/XXXX due date. We received in mail notification today stating there was a remaining balance due on both accounts. His balance was XXXX and mine XXXX which was added 14 days after or payoff payment. When we contacted the company and spoke with the supervisor XXXX she informed us the additional amounts were based upon the previous month 's balance and the interest accrued on that. She stated the only way to for a consumer to find out there true account balance was to utilize the payoff estimator, which isn't available to consumers in the mobile app but on the statements or company website. It is our belief Capital One is engaging in fraudulent business practices by not providing its customers with the actual amount owed on account or the actual payoff amount needed to pay their account balance in full should a consumer choose to do so. XXXX remarked it is a consumer 's choice to pay off their balance in full not a requirement. We believe Capital One is purposefully doing this to generate additional revenue at their customer 's expense. This practice is resulting in millions of dollars in extra revenue for Capital One. Any attempts to get the interest waived, are met the standard response they are unable to do so because of the type of card you are issued.
Consumer complaint received 2022-01-30
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)

This account owned by XXXX CARD, Account # XXXX is a credit card that was opened fraudulently and disputed. They refuse to remove the account from Experian and after directly sending them documentation and disputes via certifies USPS they have not responded in a timely manner. I have sent them numerous disputes containing my identifying information as well as details of my dispute and i continually get a generic response of them requesting I send documents that were INCLUDED in each of my letters.
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: OPTUM BANK, INC. (MD)

On XX/XX/2021 I went on the online portal of Optum Bank who administered my then XXXX with XXXX XXXX. Through the portal I made a payment of {$45000.00} to a medical provider. This transfer is showing on my XX/XX/2021 statement, but it never arrived at my providers office. They have been very patient, but my account is about to go into collections now, if I can not prove that I made the payment. 
I have called and emailed Optum Bank multiple times, and they always assured me that the payment had been made and that they would send me proof of the transaction via email. I never received a single email from them ; and yes, I checked my spam folders. 
In addition, they offered to send the documentation directly to the provider. Needless to say, nothing ever came through. 
If Optum Bank does not provide me with the necessary paperwork, I will have to pay the amount again, just to prevent it from going to collection.
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I put it into writing to both cfpb and bank of america that I wanted the account closed in XX/XX/2020. Since then I have been billed {$48.00} in fees {$24.00} of which have been removed. This XXXX XXXX  incompetent at the bank says all kinds of things and never performs any. Now I get a letter saying they have " forced closed '' the account and there is still a {$24.00} balance. If these idiots didn't know the account was to be closed how come the previous {$24.00} was removed? I wouldn't trust these bunglers with lunch money and you government people let them get away with it.
Consumer complaint received 2022-07-11
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: CLGF Holdco 1, LLC (NY)

According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Consumer complaint received 2022-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Servicer, Select Portfolio Servicing Inc ( " SPS '' ), refuses to acknowledge lease that is protected by Protecting Tenants at Foreclosure Act ( PTFA ). 
SPS has attempted two evictions and refuses to provide contact information for property manager and refuses to do repairs to property.
Consumer complaint received 2020-09-10
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: BBVA FINANCIAL CORPORATION (AL)

THIS IS MY THIRD AND FINAL DISPUTE FOR THESE ACCOUNTS. I CONTACTED THESE COMPANIES AND THEY PROMISED TO REMOVE THESE ACCOUNTS FROM MY CREDIT. THIS IS ALSO MY THIRD TIME REACHING OUT TO THE BUREAUS ABOUT REMOVING THESE ITEMS FROM MY CREDIT PROFILE. THESE INACCURATE ITEMS ARE IN VIOLATION BECUASE THEY ARE CAUSING ME A LOT OF DISTRESS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc. (NC)

FOCUSED RECOVERY SOLUTIONS is being unfair and negligent. This company has RE-AGED the account and is reporting discrepancies across bureaus. I sent them a debt validation letter back on XXXX. 

They failed to respond or even mark the account as disputed. They didn't even investigate the disputes. Basically, I was ignored by this company. 

I am disputing the following item on my report : Account information : Opened : XX/XX/2015, High balance {$56.00}, original creditor : XXXX XXXX XXXX, balance {$0.00}. 

I am willing to take this to the next step by filing a small claim against the company because they have committed multiple violations against my consumer rights.
Consumer complaint received 2020-09-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.
Consumer complaint received 2022-07-11
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. (NC)

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. XXXX Account # XXXX, XXXX XXXXXXXX Account # : XXXX, XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : 0 Court : U.S. Bankruptcy Court Liability : 0 Exempt Amount : 0, Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion TRANS UNION XX/XX/XXXX TransUnion, 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 2022-05-02
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. (KS)

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

XXXX - XXXX, XXXXXXXX XXXX - XXXX, XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX 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 2020-11-28
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: EQUIFAX, INC. (MN)

I got a notice on my XXXX XXXX  on XX/XX/2020 of a late payment on a closed STUDENT LOAN account in which is no longer reporting on my XXXX credit REPORT because it has been REMOVED. This has caused my credit to go down 30 points. How can this account still be reporting payment history when it is closed and has been transferred to another company. REMOVE THIS ACCOUNT from my credit REPORT.
Consumer complaint received 2022-08-02
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. (KY)

The company, XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX is submitting credit reports with my authorization of any kind. 

They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Have the credit bureaus remove these immediately.