davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
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. (AL)

Okay I sent in a FTC report to experian because I had a couple of fraudulent accounts reporting on my credit report that I wasnt familiar with so. I sent them the FTC report they received it they removed one account which was XXXX that was on the ftc report but the other 3 accounts thats on the FTC report they said they couldnt block those accounts. They didnt even give me a reason why they couldnt remove it I thought maybe if I provide proof which is the FTC report they will remove it. I didnt have any other problems with the the others credit bureaus I spoke with a representative and I said it against the law to have something on my credit report that aint mines She said they dont have to provide me with any information that the creditors provide them with. I asked can I get a documentation Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. The representative told me they dont have any accurate documentation about those accounts thats reporting. I need to ask the creditors. So I said Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this request then you must remove these accounts from my credit report. 
The representative at experian told me they cant do that I tried to reach a XXXX  they want let me talk to nobody at all Im very disappointed these account I ask to be removed are 1. XXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX so basically experian going again my word over creditors
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I demand to have this removed within 14 days of receipt if not removed i will be seeking Litigation according to FCRA 605B ( 15 USC 1681c-2 and 15 USC 16a-e ) I have disputed the validity of this account numerous times. Every time its come back as factual and valid. So I want proof within 15 days of the proof and validation '' accurate '' of these account. Pursuant to 15 U.S. Code 1681a ( e ) I want to know name, time stamp, dates, phone number and which the investigation consumer report was done. What family member, neighbor, friend did you talk to say my dispute is invalid and your investigation was factualaccurate ''.
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

A company called, Conserve, from the State of New York, has managed to place a collection account on my XXXX Credit Report, even though I have a freeze. In addition, I did not receive any communication from this agency at all. They have not telephoned, written : nothing. The XXXX statement claims that it originates from XXXX, XXXX, which also did not write, email, or telephone. XXXX XXXX is engaged in fraud for doing this, and I intend to sue. I am tired of organizations trying to fleece the average citizen, and I won't accept it.
Consumer complaint received 2021-06-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

Cardinal Financial XXXX XXXX XXXX failed to follow through on his promised to fix the issue and return the Appraisal fee. Once I pressed the issue he stopped responding to my voicemail messages and emails. You would hope the Top Manager would lead by good example. In his response to my complain # COMPLAINT ID XXXX, SUBMITTED ON, XX/XX/XXXX. The company claims that my DTI was high. All this time the company knew I was going to buy a new home since my family had out grown our current home. The company even provided me with a Prequalification letter for the next house. I am not sure why they have denied me the refinance when they had all the information for more than a year since XXXX of XXXX. It feels like they were not happy that I was going with another lender for a Major loan amount with another lender. This made them furious and they denied me the refinance on my rental home.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

Hello. I have a huge issue with Chase Bank after the inhumane, immoral, and likely illegal activity that they pulled with my account. To make a very long story short, I have been a loyal Chase customer for many years. I have never missed a payment, never been late on a payment, and even paid my balances greater than just the minimums. Roughly a month or two ago, I had an outstanding credit card balance of about {$25000.00}, on a credit card with a limit of about {$30000.00}. After months of putting money together, I was able to make a total payment on my card, basically paying it down to nothing. The next thing I know, Chase takes away my credit line, decimating it from {$30000.00} to {$700.00}. Chase took 99.9 % of my credit away after making a payment in full. When I asked them about this, they said that the large payment triggered an account review, where they felt it was OK to get rid of nearly all of my credit. Not only did this make things increasingly difficult during a pandemic no-less, but they offered no assistance in making things right. Nothing. They were happy to see me leave after I made a major payment to them. I would like this instance investigated to find out exactly what they did and if it were legal to make a unilateral decision like that, without any notification. There is no doubt that to Chase I am just another number to them, but what they did was very questionable to say the least. Even asking to speak with supervisors, they brushed me off and basically told me to leave. Is there anything that can be done here? 

Thank you very much!
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (CA)

SNSC was the loan servicer for one of my loans. My property taxes and insurance were escrowed and payment was not made on one of the APN ( property had two lots ). The lot was taken and I've had to pay penalties to get it back. I reached out to XXXX XXXX from SNSC by email on multiple occasions ( XX/XX/21, XX/XX/21 ) to get this issue resolved. I had spoken to her by phone prior to that as well. She told me if I sent in the property tax bill they would refund me but even after I did there was no response. It was their fault my lot was sold and I had to pay fees to get it back so they should take responsibility for their mistake.
Consumer complaint received 2021-06-15
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. (LA)

I AM A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2021-06-15
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. (NY)

I sent out a letter on XX/XX/2021, requested that the XXXX XXXX XXXX account on my Experian credit report be deleted and not updated. This account was reporting late payments and is still reporting late payments, and the account is closed. This is a violation, and I'm asking for this account to be deleted, NOT updated.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc. (MN)

On XX/XX/XXXX I got a text message saying that the email on my account has changed and if it was not me give them a call. So I call them as soon as I seem the text ( within minutes of receiving it ) the employee that was on the line told me the bank was closed Sunday and there was nothing they could do till Monday. While I was on the phone with him I started receiving notifications about large transaction coming out of my account I asked him if they could atleast lock my account to avoid these transactions. He responded with no that they would have to let them go through and couldn't do anything to stop more from coming through until the next day and then I'll have to report them as unauthorized transactions to get my money backbecause again the bank is closed on Sunday. The next day I call them back they change my email back and phone number so I cam access my account by then every dollar I had in my checking and savings account was completely gone ( around {$720.00} ) I then told them I wanted to report these as unauthorized transactions then they started giving me different reasons why they are not liable for these transactions and I can not get my money back. I asked them to tell me where to find that under their legal cardholder agreement and when I read to them the parts they tried to point out and showed how that would not apply to this situation they would then hangup on me. I've called multiple times and have gotten multiple different answers on why they are not liable for these unauthorized transactions with the end of the call almost always being hung up while I was trying to get more I formation. I have filed a police report on some of these transactions where I've been able to locate the city they were done in.the company that this was through was XXXX/payfare.
Consumer complaint received 2021-06-15
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. (AL)

Experian did not get my written permission to furnish any of the unauthorized accounts or inquiries that's in the letters attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report any of the items listed in my attachment. 
Experian continuously fail to properly investigate disputed accounts, collections, and inquiries in accordance with15 USC 1681a e. 

Furthermore, as proof of the violations of my rights, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions ; Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act. None of these would apply to me because none of the lawfully procedures were taken to validate these alleged accounts and inquiries. I ( the consumer ) have never validated any of the item listed in my attachment. 

The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate these alleged accounts and inquiries.
Consumer complaint received 2022-03-28
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. (GA)

in accordance with the Fair Credit Reporting act XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2021-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I AM A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (LA)

I AM A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I started with Bitcoin through XXXX since XXXX XXXX XXXX or XXXX I have now connected to BB & T Bank, which I didnt have before when money was stolen from XXXX XXXX XX/XX/2021, or was XXXX and there bank. But, since I opened another account with BB & T, that they are thieves also. I transferred {$61.00} yesterday from XXXX to BB & T and now on XXXX  I only see XXXX transferred, vut there's no money on my BB & T Account. This isn't a paper check transfer, its cryptocurrency and should take less than a normal electronic funds transfer, due to better computer servers! So, please use me and my complaints, and I will be more than proud to show up for court cases?!!!!!
Consumer complaint received 2021-06-15
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I tried to get a credit score from Trans Union and was led to putting in information including Name DOB last 4 of social and credit card then I did not click anything and tried returning to the site using the user name and password The user name and password worked fine but I was denied access as they said they do not recognize me. I took pictures of the denied access. I then went to the credit card site that I input on Trans Union and saw not {$1.00} but an attempt to collect {$26.00} by TU : Transunion This apparently is some subsidiary of Trans Union that sells a subscription service. The website said that one can cancel at any time However by denied access to information one is unable to cancel. They texted me a code which I clearly suspected was weird as there was no company attached to the code ... I have saved that text as well. I contacted my credit card company to dispute the charge and as TU Transunion has not taken the money as yet ( It appears as pending ) I did file against the charge. All of this within an hour of inputting my info. I was informed by my credit card company that they have seen this before and to be aware that Trans Union may use a different name other than TU : Transunion to attempt to collect a monthly amount. They have seen several complain about this. Being denied access to the site is fishy to begin with I am able to sign in so why is this not secured? It is without a doubt a scam and Trans Union needs to be stopped I have read about the thousands of complaints online Trans Union being number one. They lead you to believe you are getting information for free then charge your credit card. That they get away with this is FRAUD and that CFPB can not stop them is odd. Hopefully enough complaints will come through to put a stop to this. My suggestion is that all credit card companies be forced to submit any complaints where fraudulent charges are filed. A database for complaints would allow bots to show how many are against specific companies. The ones that get complained about the most will go to the top of the list and can then easily be investigated. This should become law to protect consumers. Shared information from credit card companies should be mandatory especially complaints filed. Keeping this secret only hurts consumers. Also the email published by Transunion for customer service is bogus mail can not be sent there I copied from my phone and attached I also copied the denial to access of their site
Consumer complaint received 2022-06-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I currently have a VA loan for my home in which I Received through Chemical Bank which was bought out by Huntington. A few months after purchasing the Home I received a tax bill I which I ignored because my taxes and insurance are rolled into my mortgage payment. I called the bank when I received a delinquent notice and they had me send a copy of the bill to their customer service mortgage division and I did so. Then when I received another tax bill I also sent that one. I just received another bill that shows delinquency in said property taxes. I again sent a copy of this and marked the delinquency section ..... They do not respond nor can I get anyone to answer phone calls and I need this taken care of. I incorporated taxes and insurance into my loan to keep issues like this from happening .... I appreciate any help you can give. 

Thank you
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

Back in XXXX my credit score with Experian was XXXX, in XXXX it increased by 5pts to XXXX, in XXXX it decreased by 15 pts to XXXX, in XXXX it decreased by another 15 pts to XXXX give or take. There is no reason for my XXXXredit score to decrease like this. According to a source that I use, it showed me that the reason for my Experian credit score decrease was because of my XXXX Account XXXX. 

I noticed that my XXXX Account was showing date of last activity back in XXXX was on XX/XX/XXXX and now in XXXX it is showing date of last activity was XX/XX/XXXX. This account was put in a bankruptcy back in XXXX alone with some other accounts and I believe that these accounts may be getting re-aged by the different dates I noticed Experian are putting in them, I disputed this account, because it is not showing accurate information concerning dates and balances even though it was filed in a bankruptcy, but this should not cause my credit score to go down. I did the same thing with XXXX and my credit score has only gone up. 
I have disputed the inaccuracies with these accounts that were put in bankruptcy more than once and it is still showing inaccurate and incomplete information. The same amount my credit score has decreased with Experian, it should have increased by the same amount, my credit score should be in the XXXX at this point, I have not been late on paying any of my bills, my revolving accounts are paid on time and they have been paid down some more, my installment accounts have consistently been paid on time and more. 

Documentation can be provided upon request.