davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
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: JPMORGAN CHASE & CO. (TX)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 6
11.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (FL)

These hard inquiries are fraudulent and do not belong to me 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JACKSON & McPHERSON, LLC (LA)

Jackson & McPherson LLC violated 15 USC 1692 ( e ), 15 USC 1692 ( j ), and 15 USC 1692 ( k ). They submitted false documentation to the courts in the attempt to collect a debt. Per the Constitutional Law, 15 USC 1692 ( e ) ( 3 ), it states a lawyer can not represent in a debt collection. They filed false documentation to take my home without presenting all documentation to the judge and I wasn't even given a trial date. I have requested a copy of the original promissory note as well as the on and off ledger that they claim to have from their client and have not received it. I also requested a copy of their W9 and the name of the company who there Indemnity Bond/Agreement is with because they have violated and committed fraud. I was told that she couldn't give it to me then I was told to give my email and the lawyer would contact me in which I still have not received as of yet.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlanticus Services Corporation (AZ)

Fortiva Account ending with XXXX. 

I opened this account on XX/XX/2020 for a XXXX XXXX XXXX for my home. 
Up to present date, I have made all contracted payments timely with no missed or late payment. 
Fortiva without my authorization moved my account balance to a XXXX Credit Card, which no did not give them permission to do. 
To date, I have been receiving harassing messages advising that I need to active this credit card and make a purchase or my account will be closed, which closing the account will negatively impact my credit score. 

I spoke with the company, which they said " oh well '' and they move forward with closing my account. 

They provided no information as to why, I would have to suffer a negative impact to my credit score when I have always made payments timely and did not authorize them to start a credit card in my name. They also provided no direction in how I'm to maintain payments to the account if it's closed. 

This company has very deceptive practices that punish consumers who never had any negative marks with them into forcing credit terms that were not agreed to and that will negatively impact my credit score. 

I want this fully investigated, because at no time did I authorize Fortiva to active a XXXX in my name. I never signed up, never activated a card, only wished to continue paying my security alarm system w/no additional fees attached.
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (RI)

THE BELOW ACCOUNTS HAVE BEEN ACCESSED MY CREDIT PROFILE WITHOUT MY PERMISSION AND WITHOUT MY KNOWLEDGE. I WOULD LIKE FOR THEM TO BE REMOVED FROM Y CREDIT PROFILE.

THESE INQUIRIES ARE BEING IMPROPERLY DISPLAYED ON MY CREDIT REPORT AND WOULD LIKE THEM TO BE REMOVED ENTIRELY. XXXX inquiry XXXX XXXX XXXX XXXX inquiry JXXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX INQUIRY 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC (CA)

Please help with rectifying the late payment on each of my XXXX accounts I have with United Wholesale Mortgage. I slightly remember there being some sort of technical issue with online banking when trying to make the payment in XXXX. I thought I had submitted the payments but according to my credit reporting it says otherwise. I looked at my bank statement in XXXX and it shows that payment was made on XX/XX/2022 to both accounts. Please see attached statement. I had full intent to pay and have many mortgages with UWM and plan to have more in the future. As a one time courtesy and out of goodwill, I graciously ask UWM to help me resolve this matter by removing both late payments.
Consumer complaint received 2024-10-29
Product: Credit reporting 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)

Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX XXXX BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT.
Consumer complaint received 2022-11-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

This letter is a response and an additional complaint. To XXXX. 

My complaint mentions ONLY me not having access to my experian credit report for two years. That is again is unacceptable. I also was denied from many lenders for having ZERO credit. I was told they saw no information on my experian report. I applied for a home and was told the exact same thing. They could not get any information from experian report. 

In your reply you mentioned I am currently on a free membership. But failed to mention from your research, that it was due to me not having any updates for the first XXXX months of XXXX. I canceled my membership because no one would fix my profile to show me my score. I watched my score daily. I was very active in assuring my profile was correct. I have spoken to several people at your office, every department. NO one has ever offered to update my address. Back in XX/XX/XXXX I removed every address that was incorrect from my file with a representative on the phone And as you said in your reply, instead your company removed EVERY ADDRESS IN ERROR. NOT MY ERROR. 

I have asked for compensation and you have avoided accountability for the frustration you have caused these last XXXX years. I expect the money back for not having access to my file while paying a membership. And NOW I WANT PAYMENT FOR EACH DENIAL AND EACH PHONE CALL I WAS TOLD TO CALL A DIFFERENT DEPARTMENT CASUING ME TO GO IN CIRCLES. As well AS EACH LAW YOU HAVE BROKEN. 

I now have to dispute items with ( your company ) experian that have already been removed from other bureaus. 

I WILL SETTLE AND ACCEPT COMPENSATION OF {$20000.00} FOR BOTH YEARS OF ALL THE FRUSTRATION. IF YOU DO NOT COMPENSATE ME FOR YOUR ERRORS I WILL HAVE NO CHOICE BUT TO TAKE YOU TO COURT. 

I have recorded phone calls. And all pictures and denials.
Consumer complaint received 2022-06-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I purchased this home in XXXX, the loans I obtained were predatory loans. My 2 loans XX/XX/XXXX were " sold '' separately. After much struggles, I was able to modify my first mortgage in XXXX but due to many due to many factors, including my health, and a serious case of XXXX XXXXXXXX, loss of income, etc. I defaulted in that mortgage. 
Prior to the sale of the mortgages, I filed bankruptcy while trying to save my home and all collections stopped. Specialized Loan Servicing ( SLS ), who is the servicer for my 2d mortgage has been dormant on and off for a long time. 

Since I was not able to workout a new modification with my first mortgage, I was working on a Deed In Lieu of foreclosure. My second mortgage agreed to settle for {$3000.00}. Unfortunately, my first mortgage did not move through with the process and the Deed in lieu was cancelled. They did not contact me after that. 

Even though I still had not been able to workout anything with my first mortgage, I contacted SLS for a modification or assistance at the end of XXXX, but they denied me any type of modification and only approved me for a short sale. 

Again, after that, they were dormant for a long time, but and suddenly around XXXX this year, they sent me a letter, stating that my loan was due in full on XX/XX/XXXX. 

At this time, my situation has not changed. My first mortgage has an active foreclosure process. 

I don't have the financial means to pay this predatory loan. 
I sent them a letter and offered them the same {$3000.00} that they had accepted before in order to settle this account. 

I explained to them that at this time, I have an active foreclosure process with my first mortgage and they sent me an email with a letter saying that that they will not take less that {$45000.00} paid in full before XX/XX/XXXX.
Consumer complaint received 2022-12-11
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: Experian Information Solutions Inc. (IL)

I recently viewed a copy of my consumer credit report and notice a bunch of unauthorized Inquires. The List below is all the unauthorized Inquiries on my consumer credit report. 

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 2022-04-01
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

I was scammed by someone and the transaction took place through zelle. The transaction occurred on XX/XX/22 and was for {$150.00}. I reached out to zelle and reported the incident on XX/XX/22, and have not heard back from them since.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My Credit card with XXXX Bank is NOT reporting to all the credit bureaus. XXXX, Trans Union and XXXX. THis is holding me back from relocating my home. Ive been having trouble with them reporting on a regular basis to all three bureaus since opening my account on XX/XX/2021. I've spoken to many agents at XXXX Bank and nobody there can seem to resolve my situation. Please help me to get them to report to all agencies to help my FICO scores/number with all three credit Bureaus.
Consumer complaint received 2022-06-06
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX/XXXX  # XXXX, XXXX # XXXX, Dept of education/XXXX  # XXXX, XXXX XXXX university # XXXX, Us Dist ct # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Child Support # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-09
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. (CA)

In XXXX of 2022, XXXX  XXXX XXXX 's online bill pay system sprouted some technical bug, due to which it misses the last digit " XXXX '' of my primary bank- XXXX XXXX XXXX - account number. I had autopay set up on my XXXX  card with the very same XXXX XXXX account number for years now. Due to this, there was an approx. {$13.00} missed payment which I did not notice ( since autopay was set up! ), which cause a XXXX point drop in my credit score. I have never missed or had a late payment before in the last 7 years of banking with them ( or any other bank for that matter ), and I never carry a credit balance. I promptly paid off the {$13.00} as soon as I noticed the issue, the month after the payment was due. 

When I called XXXX customer service countless times to resolve this, they have been unable to fix the technical issue, and they have refused to fix the mark on my credit report for an error that is due to their system. If their customer service uses the same XXXX account I have saved/linked on my account, to make a payment over the phone, that process just fine - So it is 100 % not an issue with an incorrect account number or any such thing. I am lost now, and have been unable to escalate this to someone who can actually make a difference. Extremely frustrating. 

Next, I disputed this transaction with the credit bureaus, explaining the technical glitch that XXXX has and has been unable to resolve for me, yet XXXX ( and the other 2 bureaus too ) have refused to fix this delinquency mark on my credit report which has brought down my credit score by about XXXX points, and has actually affected my life and my ability to take on more credit, even though I have plenty of savings and am a high earner.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (TN)

XX/XX/XXXX - The company will not place a security freeze on my file even though I have explained that there have been attempts in the USA to steal my identity. I completed the online security freeze form, which requested proof of my current address in the USA. I have lived abroad and XXXX, XXXX has been my home since XX/XX/XXXX. 

XX/XX/XXXX - I called the company about the security freeze explaining that I could not provide proof of USA residence since I live abroad but still deserved to have my consumer file frozen. I explained I was trying to stop attempts in the USA of stealing my identity or identity fraud. I do use my family address to receive my bank statements ; however, I do not have any bills or any other form of mail in the United States and my license has long expired. 

The woman screamed at me to listen to her. She said she had to verify my US address. How can a US citizen living abroad prevent ID theft if they can not show proof of US residence? Others credit reporting agencies have asked me security questions which I was able to answer to authenticate my identity. Why can not this company do the same??
Consumer complaint received 2022-06-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I entered into this contract agreement with XXXX XXXXCredit Acceptance without 1 ). Full disclosure of my right to rescind 2 ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that XXXX XXXX  XXXXCredit Acceptance willingly and knowingly took advantage of me and my consumer credit.I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as i have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission i am not liable for any finance or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 
In addition, I was given false and deceptive information ( violation of 1692e ) as i was told that a down payment of { {$3000.00} } was needed in order to drive off of the lot. Pursuant to 15 usc 1605a - a finance charge is sum of all charges.
Consumer complaint received 2022-06-06
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 without my written instructions.