davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Credit reporting 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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-25
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: Central Portfolio Control Inc. (TX)

I pulled my credit report from all three bureaus on XX/XX/2022. I noticed a new collection report from Central Portfolio ControXXXX in the amount of {$250.00} on my credit file. I am unaware that there is a debt from XXXX XXXX XXXX XXXX, as my insurance covers the costs of all medical treatment. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to Central Portfolio Control. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I have sent several letters as well as proof of my identity as XXXX XXXX XXXX to Experian in order to have fraudulent information blocked from my credit report with regard to an account by the name of XXXX XXXX XXXX - Account # XXXX. This account has been on my credit report for several years with relation to a fraudulent name of XXXX XXXX XXXX. Experian removed the fraudulent name from my credit report, but is refusing to remove the fraudulent account ( XXXX XXXX XXXX ) that it is associated with. I have requested that Experian conduct an investigation and provide me with the evidence obtained such as a contract with my wet signature on it verifying whether this account belongs to me. I have yet to be provided with any such evidence. Experian continues to say that the creditor has certified that this account belongs to me. 

I have followed all of the necessary protocol to have this information blogged from my credit report. I have provided all pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency, my full name, social security number, all addresses within 2 years, date of birth, copy of my driver 's license, and my utility bill. I have provided this information several times with the last time being XX/XX/2022. Experian is violating my rights of having accurate information on my credit report. If the name associated with the XXXX account is not mine, the account is not mine either. Please enforce my rights under FCRA 605B - 15 U.S.C. 1681c-2. Experian has not conducted a proper investigation and they have not honored my rights under the FCRA. 

REMOVE the account ( XXXX XXXX XXXX - Account # XXXX ) immediately. XXXX nor Experian has been able to provide any documentation to verify that this information is accurate or that it belongs to me at all. Experian has not provided a description of what documentation they investigated to determine that the dispute should not result in a deletion as requested by my previous dispute/letters.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Company failed to provide verifiable proof ( an original consumer contract obtaining my signature ). Under the the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), companies are REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION of the SIGNED consumer contract. Report is still inaccurate as it reflects my employment history as a XXXX XXXX XXXX at XXXX, yet I do not possess a XXXX or XXXX certifications to fulfill the state 's requirement to XXXX  XXXX. DELETE ALL ACCOUNTS NOT VERIFIED THROUGH SIGNATURE OF SIGNED CONTRACT. A PAST DUE BILL OF THE ACCOUNT AS VERIFICATION DOES NOT SUFFICE.
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NC)

I have been trying to get an application completed for the TPSLF program since XX/XX/2021. When the loan was recently transferred to Mohela, issues are not getting resolved and I am not able to communicate with them at all. They now have even stopped the email message option through their website- but their letters and updates aren't correct. They state they will get back to you in 10 days and its been well over 30. I also have to wait well over 5 hours to get anyone on the line and they usually know nothing so then I have to wait ANOTHER hour for a supervisor who then will provide the same lame excuses and blame the department of education. This is ridiculous- I have been a state employee for 12 years, there is no question I meet the requirements. Also, I have paid on my loans on time for 20 years!!! 

I have done everything MOHELA has asked, I even reapplied like they stated I needed to. There are still payments not being counted correctly and they are not processing any of our paperwork. They refuse to do anything with these payments other than blame the Dept. of Education and I get stuck in the loop.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have contacted Capital One Bank about a claim for XXXX XXXX. I sent them all the. 
supporting documents needed and I did not receive a provisional credit and I had to submit the claim more than once. It was denied and I was told to deal with the merchant. I am disappointed with the service and would like my reinbursement of XXXX from XX/XX/2021. Also i submitted my first claim 6 months ago.
Consumer complaint received 2022-10-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MA)

When looking at my credit report I noticed a collections account that needed to be resolved. There was no name to the company on either 3 of the credit bureaus websites. Just a phone number and a balanced that was owed. I had to look up the company 's information by phone number. I have reached out on XX/XX/2022, at XXXX and spoke with XXXX XXXX requesting more information on this charge off account. Nothing was provided. I also Spoke with a representative named XXXX on XX/XX/2022, at XXXX XXXX and requested more information, at that point nothing was still provided to me regarding the account. This would be the second time I have requested information and have yet to receive any documentation. I also have sent in a Verification Letter on XX/XX/XXXX at XXXX XXXX Tracking number ( XXXX ) The company received the letter XX/XX/2022 at XXXX XXXX On this day XX/XX/2022, I have yet to receive any validation and proof of this debt this company has stated that is owed.
Consumer complaint received 2022-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (IL)

Rocket Mortgage is forcing me to pay over {$17000.00} in 12 monthly installments due to a shortage in the escrow account brought about by the XXXX XXXX tax bill that amounted to {$5000.00} and was paid in this summer. In the next 12 months I will only owe {$7000.00} for Principal & Interest, escrow payment, PMI and home insurance. Although I disagree with the {$5000.00} tax bill that Rocket paid, I can submit to repaying this over the next 12 months. My disagreement with the taxes is based on the fact that I am XXXX XXXX XXXX and I have sent Rocket proof that I have XXXX XXXX and Senior CItizen 's Tax Exemptions. My issue primarily is with Rocket 's projected taxes in XX/XX/2023 and XX/XX/2023 totaling {$5000.00}. They are ignoring my exemptions. Last week, Rocket called and informed me that if I can get them the exact amount of my next tax bills that they would again review the escrow account statement. This would lower the {$1400.00} a month that they are requiring me to pay them to settle the escrow shortage. It is not possible to get the exact tax bill amount until the tax bills come out in the spring. My tax bills were estimated by Rocket to be less than XXXX XXXX XXXX and that is within reason for a senior citizen in XXXX XXXX. Waiting for an adjustment is causing a severe hardship.
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NY)

On XX/XX/22, I mailed a letter drafted from my Financial Advisor to CCS Collections. I did not hear back from them. Over a month later, XX/XX/22, I called them back. They stated that they have not received my letter and that they are " behind. '' After explaining the contents of the letter and my intentions to resolve the debt in full, they stated that they would not be able to help me resolve the debt showing on my account under the conditions the letter articulates. I asked them to put their refusal to accept the conditions in writing. They stated that they will not put anything in writing. I re-submitted the letter to their website correspondence. While on the phone with CCS Collections, I asked them to make note that a call back will not work for me, I will need their response in writing. They stated that they " will make note but will not be writing back, [ they ] prefer to call. '' I asked what happens if I can not answer the phone when they do call. They gave me an unclear answer which deduced to them just not making any further attempts to communicate.
Consumer complaint received 2022-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (MO)

On XX/XX/2022, I transferred my Citi XXXX XXXX Account in the amount of {$21000.00} into my XXXX XXXX Citi Bank Credit/Debit card to purchase a new car. I later was told that the car dealership would not accept payment by debit card, so I transferred the balance to my local checking account. I was told it would take 3-5 days.Five days later, I called to see why my money had not been transferred to my checking account ; I was told the refund hadn't been approved. On XX/XX/XXXX, a letter was drafted by Citi Bank saying it would be 10-14 days for my refund. I have called innumerable times, I have been hung up on, stonewalled ; I asked to speak with a supervisor twice and finally a supervisor on XX/XX/XXXX that he would move my request to the front of the queue and I should receive my refund by the end of XXXX. This experience has been frustrating, embarrassing, and an emotional drain on my old body. It should NEVER take this long to get my money back.
Consumer complaint received 2023-03-18
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. (MO)

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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number:XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Name : 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 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.

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 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (TX)

Greetings, I have applied for multiple jobs in the past 4 months. In XXXX of XXXX I was granted XXXX  XXXX  in the State of Texas for a previous charge out of XXXX XXXX, Texas where a judge in XXXX had XXXX  me to XXXX XXXXn. I received a report from First Advantage, and I have also received a consumer report from XXXX XXXX indicating the XXXX  with a disposition of a sentence imposed including the deferred adjudication however the consumer reports are no loner correct. Under the Judicial Clemency statue in the State of Texas, a person is no longer held responsible or penalized for the formerly imposed sentence. Public records may only indicate that this was an XXXX  and no longer imposed as a sentence. Consumer reporting agencies have a responsibility to report information especially criminal records properly because it can have a drastic effect on whether a potential employer or creditors would choose to do business with the person. The records aforementioned are not correctly reported and need to be corrected. I have a copy of the orders issued by the Judge in this case that updates it however, it should be a responsibility of the consumer reporting agency to accurately obtain and report the information since the order issued by the Judge would be a public record. 

Thank you.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I have a credit card with XXXX XXXX XXXX through Comenity Capital bank. I have had this card since XXXX of 2022. The last time they updated the account with the 3 credit bureaus was in XXXX of 2022. The account has been showing an incorrect balance with all credit bureaus since then. I have reached out to the company to see why they are not accurately reporting and they stated that " due to a system update they have chosen not to report account updates at this time ''. Their failure to report updates misrepresents my credit worthiness and credit score.
Consumer complaint received 2022-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

During the XXXX pandemic I had an income reduction. I fell behind on my mortgage XX/XX/XXXX. I am now back on my feet financially and would like to resume my mortgage payments. I contacted my lender for help and was told that they had offered me a modification that I did not accept. I was told the modification was mailed via the XXXX XXXX XXXX XXXX in XXXX of XXXX. I did not receive or even have a chance tor review before they told me it is no longer available. I was told to apply for a modification and I tried to comply by submitting requested documents, however I was told I was issued a denial XX/XX/XXXX. I requested a copy of the denial on XX/XX/XXXX and XX/XX/XXXX but to date have still not received it nor any procedure to appeal the decision. I believe I should have a chance to accept the previously offered modification. My hardship is the same and I believe it is unfair for me to lose the opportunity of becoming current and lowering my monthly payment due to not receiving the offer. After the offer was sent I was not contacted via telephone or email to advise of the offer. I would like to accept the previous offer. I am now denied with no paperwork to appeal and am unable to accept the original modification.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CO)

I signed up for XXXX XXXX XXXX  on XX/XX/XXXX. The first time I was ever notified of any XXXX 's to review was XX/XX/XXXX. I approved them and saw between XXXX - XX/XX/XXXX I had 11 XXXX  payments blocked by the bank claiming I did not review them. I was never notified. I also log in multiple times a day to check for any pending reviews, and nothing. This has caused me to lose other credit accounts. Bank refuses to acknowledge their error when all I need from them is a letter stating this error. Because of me losing my other account, it impacted my credit in a negative manner and can no longer qualify for my mortgage. After this, my next call is a lawyer.
Consumer complaint received 2022-10-25
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-12-29
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. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or removed. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are repaired immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.