davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (MD)

I called Experian on XX/XX/2022. They told me that had respond to my CFPB Complaint and they didn't receive any of my letters. I'm here again submitting proof of all documents. XXXX XXXX XXXX XXXX XXXX XXXX. I Receive a letter from the bankruptcy court states that the bankruptcy court don't report to the credit bureau. I also called XXXX to get this my information remove from XXXX XXXX because they where the ones that stolen my Identity. I also field a identity theft report with the Federal trade commission. I don't understand how this accurate is being accurate or verified. When I call the XXXX XXXX and also receive a letter. This account is in VIOLATIONS Law 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose XXXX XXXX XXXX XXXX XXXX. I file a complaint with this company to XXXX XXXX XXXX  there respond was everything was accurate and verified. How can this account be verified. When they are show inaccurate on my credit report. This account is in VIOLATIONS 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose XXXX XXXX XXXX XXXX XXXX XXXX was told this account was was remove in my last Complaint against this company threw the Consumer financial protection bureau XXXX this account is still on my credit report i need this remove IMMEDIALTLEY The law states 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose
Consumer complaint received 2022-06-13
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. 

Account Numbers 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 2022-06-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc. (IL)

Alliance continues to harass by sending letters after letters without providing what is needed. I have requested many times to provide me with what is the logical under the Fair Debt Collection Practices Act ( FDCPA ). As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. They continue to ignore the request. As of today, my credit bureaus are showing this company violating the Fair Debt Collection Practices Act. I requested validation of the debt and instead, they send the information to the collection agencies ( XXXX, XXXX & XXXX ).
Consumer complaint received 2022-10-09
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. (VA)

My name XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-12
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: CITIBANK, N.A. (NY)

In XXXX of XXXX  Ive made all payments on time. There was a charge of an interest left that was in the amount of {$2.00} that was paid. I wasnt ever assessed a late fee. I ended up seeing a late payment on my credit report and contacted home depot several times, they told me they don't see any late payments. That the payment history is perfect and on time. Ive also tried to contact credit bureaus they wouldn't fix it neither. Ive explained to them many times. Home depot also sent a referral letter stating they'd have it removed and nothing has happened ever since. There is a human error for something thats paid on time without defaulting on any payments. PLEASE HELP!
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

this lady XXXX XXXX XXXX ; They are giving out fraudulent documents where I never gave them any paperwork. They are trying to follow the same process to foreclose on my home loan and I never spoken to this lady XXXX XXXX XXXX nor did she show up for the first appointment and I ended up speaking to an in placement case manager by the name who is XXXX XXXX who was very helpful and answered all my questions ask and was insightful I feel comfortable speaking to her. MS XXXX XXXX XXXX was late for the second appointment she call back but by that time I had to leave. It seems like a setup and they are a fraudulent company where this lady left a very squeaky message hard to understand as well understood and not good for me and to speak too. They Are seems to be doing the same thing as Ocwen mortgage did. After I sent them an email as requested to change my relationship manager they refused to. You can tell by the transfer that the investors never review the loans they bought them in bulk fraudulently. They did not check to qualify the loans for transfer. 
I have been " impacted by the coronavirus covid 19 '' / pandemic-related financial hardship. Also, " NOTED '' it does not matter the status of the loan. current, delinquent or foreclosure status or to file bankruptcy XXXX! I ask for my loan to be place under the Protection of the " cares Act ''. I have included my letter sent to Phh Mortgage and the letter of response that they receive it on XX/XX/2021. For I spoke to a XXXX at XXXX mortgage and had a very lengthy conversation and he stated to me that he was going to send a email to the other department concerning my complaint and have someone reach out to me concerning my concerning my complaining to change relation manager and who ever is reading these emails seems like they are looking for certain customers to call and give them a series of excuses as not to help fix or change the status of certain loan for i find that very very rude by the constant rejection to whatever i ask for they just send out rapidly to me please fix this whole situation please. etc etc etc etc!
Consumer complaint received 2022-06-13
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. (NC)

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (MO)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated My rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. Account number XXXX appears several times on my credit under different names. I have no knowledge of these accounts and would like to see a signed contract. Also these accounts listed above dont match all XXXX credit bureaus have different information on each accounts, Different dates and amounts etc. I have sent several letters trying to get this taken off my credit with no help.
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (TX)

There is a False Bankruptcy reporting on my credit report. I have requested the removal of this item several times. ( Account XXXX ) This is illegal to report false information This bureau has stated several times it verified the item thru XXXX XXXX which is false. Attached is a copy of my XXXX XXXX  report stating there ins no item reporting. I will be forced to file a lawsuit if this item is not removed immediately.
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (KS)

I received a call from phone number XXXX on XX/XX/XXXX at XXXX CST. I did not answer. The person calling left me a voicemail stating his name was XXXX XXXX with XXXX XXXX XXXXXXXX and that he was calling about a pending judgment against me that was going to be filed with my county court clerk. 

I called back at XXXX and XXXX immediately answered. He tried to verify me by both my married name and my maiden name. I have not gone by my married name since XXXX. I asked him what this was concerning and he proceeded to tell me that there was a judgment against me for a credit card. I told him that I have never had a credit card with the company he mentioned. 

He proceeded to tell me that I did have a credit card with that company. I told him I did not and that I wanted proof that I owed this debt. He said he didn't have to prove anything to me and that all they had to do was prove it to the courts. I told him ( again ) that I wanted him to provide me with proof that I owed this debt and he said he would provide it to my lawyer. He then asked me if I had a lawyer. I told him no I did not have a lawyer because I believed XXXX was making false and bogus claims. He told me that he hoped I was right because I was going to get sued. I asked him when the card was supposedly opened and he said he didn't know. He again said that the county court clerk was going to get the judgment today ( XX/XX/XXXX ). I told him I would call the credit card company directly to find out what the debt was about to which he responded " good luck '' and hung up. 

I do not owe this debt. I have never had a card with the company he was referencing. When I asked for proof, I was denied. I looked up XXXX XXXX  XXXX. They have a website : https : /XXXX/ On the website there is no address for them. No description of who they are. 

I HAVE NEVER HAD A CREDIT CARD WITH THE COMPANY MENTIONED AND I DO NOT KNOW WHY I WAS THREATENED IN THE MANNER THAT XXXX XXXX WITH XXXX XXXX XXXX THREATENED ME. I WAS TRYING TO BE FAIR AND HONEST BY ASKING FOR MORE INFORMATION ABOUT THIS DEBT. I WAS REFUSED ANY TYPE OF INFORMATION, WRITTEN OR VERBALLY. HE DID NOT HAVE ANY INFORMATION TO PROVIDE ME. HE COULD NOT TELL ME WHEN THIS CARD WAS SUPPOSEDLY OPENED. AND HE WOULD NOT PROVIDE WRITTEN PROOF. HE THREATENED ME. ALSO, DEBT COLLECTORS ALWAYS STATE IN THEIR PHONE CALL " This is an attempt to collect a debt, and any information obtained will be used for that purpose. '' MINI-MIRANDA. THIS WAS NEVER STATED IN OUR COMMUNICATION.
Consumer complaint received 2019-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (WA)

We refinanced our mortgage in XXXX of last year. Our loan was sold to Round Point Mortgage and our first payment with them was XX/XX/XXXX. Our escrow account included homeowners ' insurance and property taxes. Our FHA loan requires that these items be paid through escrow. Without notice, Round Point decided that they would pay our irrigation fees. These fees are not a tax and were not included in our escrow. The first we knew about this was when we received our Escrow Analysis in XXXX of this year. There was an item marked " Ground Rent ''. I first called Round Point on XX/XX/XXXX to get a clarification for this {$420.00} charge. It took two weeks to get the clarification that this was for our irrigation fees. I then requested that they remove that from our escrow. I had several more telephone calls from Round Point. Finally, on XX/XX/XXXX I received a telephone call that the Irrigation Fees had been removed. I asked for a new Escrow Analysis report, and on XX/XX/XXXX I paid our Irrigation Fees. On XX/XX/XXXX I received another follow up call from Round Point and this person seemed to know absolutely nothing about the removal of the Irrigation Fees. I asked to speak with a supervisor and was transferred to XXXX XXXX. He took my information and said he would submit the request to their Escrow Department. On XX/XX/XXXX I received a telephone call from XXXX at Round Point, telling me everything was done and gave me a new payment amount. This amount was significantly smaller than the original and I told him I didn't think it was right. He told me I would be receiving a new Escrow Analysis and the information would also be available online in 24-72 hours. I looked on XX/XX/XXXX and found they had removed my property taxes from my payment but the Irrigation fees were still there. I sent an email to XXXX XXXX, but he hasn't responded. Then, yesterday I received a check from Round Point in the amount of {$610.00}. I sent another email to XXXX XXXX today and he hasn't responded yet. At this point, Round Point has us in violation of our mortgage agreement with FHA and I can't seem to get this fixed. Any help would be appreciated. I still haven't received an new Escrow Analysis. I am attaching my closing papers and the escrow analysis we received in XXXX.
Consumer complaint received 2022-06-12
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. (FL)

n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has validated my rights.

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

15. U.S.C. 1681 Section 604 A Section 2 : it also states a consumer repotting agency can not furnish an account without my written
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (MO)

Chime closed out dispute XXXX due to the fact that XXXX already provided a refund, however I have XXXX separate purchases of XXXX  I made with XXXX. One on XX/XX/XXXX and one in XXXX. The refund XXXX gave was for the return I did on the purchase in XXXX, they have not refunded the purchase I made on XX/XX/XXXX and returned at the end of XXXX. There were supposed to be two refunded items and only got one. 

Chime is trying to say XXXX already made the refund but that was for a separate purchase. They do not answer emails or tickets I open in chat in the app
Consumer complaint received 2021-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC (FL)

I HAVE NOT SUPPLIED PROOF UNDER DOCTRINE OF SILENCE, ENGLEHARDT V. GRAVENS MO 281 SW 715,719.NO PROOF OF THE DEBT EXIST OR DEBT EXIST TITLE 15. CREDIT REPORTING IS IN FACT OPTIONAL, WILL MOVE TO ARBITRATION.. Under title 15 credit reporting is in fact optional. In accordance to 15 USC 1692 e, f, i. I have all rights reserved as a consumer citizen of heaven and I do not give permission to any company to speak, embezzle or coerce any debts.
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (OH)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX. XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, ACCT # unknown, has violated my rights. 
XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX acct # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX, acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states I have a 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.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated for accounts - XXXX But how is this possible if the following information has come back inaccurate : ACCOUNT NUMBER, Date Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Rating, Creditor Type, Payment Status and monthly reporting. I have attached evidence showing these fields are all inaccurate and subject to CFPB fines if not deleted immediately. This is ground for immediate removal. Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval, which they were unable to provide.
Consumer complaint received 2021-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My account was frozen when I ask why they said it was under investigation I still have funds deposit into this account no one has contacted me after several attempts to fined out what is going on my income-tax is being deposit into this account. I live in Louisiana and still filling the effects of hurricane Ida I need my funds available as soon as possible.
Consumer complaint received 2020-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

They havent giving me my money I donated to XXXX XXXX hes a XXXX and XXXX giving organization. I gave a XXXX of my stimulus check and he has others give to me. They did. I dont know why or where the money came from I have his number XXXX XXXX XXXX XXXX XXXX but they did
Consumer complaint received 2022-06-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

USAA SVG BK XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00}
Consumer complaint received 2022-06-12
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. (CA)

I checked Experian, I saw my credit score ws XXXX. For the past 25 years it has been XXXX. I asked Experian why the score had dropped so much. The only different on my credit report was that I had paid off our mortgage, and all but one of our credit accounts has been paid off. Never late, never a problem. 

Experian passed me off to several people, none would take a dispute. 

I looked at my checking account and on XXXX, Experian had debited {$2400.00} from my checking account. They were not authorized to do that. I never signed up for any membership. Experian refused to credit my account for the {$2400.00}.