davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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)

In accordance with the Fair Credit Reporting act XXXX  the following accounts listed below has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-20
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  the following accounts listed below has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I took out a Private school loan with My XXXX XXXX  ( aka XXXX XXXX XXXX ) back in XXXX. At that time I was at the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. Please note this school has changed its name to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. In XXXX I transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I am presently enrolled. A few years ago, I noticed that XXXX XXXX XXXX ( AES ) the loan servicer erroneously reported to all the credit bureaus that this student had begun making repayments on this private loan and then stopped. This resulted in XXXX issuing another false report to all the credit bureaus that this student had DEFAULTED on his loan payments and as a result, he has missed several payment deadlines. This is the crux of the problem because when you review the Credit Report ( CR ) of this student one will see that all of his student loans, both private and federal have been placed in deferment until graduation on XX/XX/XXXX. 
Interestingly, XXXX is the only servicer who has engaged in this type of unprofessional conduct. When I brought this to their attention a few months ago, they sent me a deferment form to fill out and return with a copy of school 'Enrollment Verification ' ( EV ) which was done about a month ago. Then two days after receiving the completed deferment form and EV -- -they issued a letter of denial stating among other things that I no longer qualify for deferment even though I have never left school and still in school. This 'Dirty ' tactic of reporting me as being in default is negatively affecting my CR and this reporting of false information needs to STOP.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

On Tuesday XX/XX/2020, JP Morgan Chase restricted my account due to unwarranted fraud. I am a XXXX XXXX and my XXXX check was being deposited into my checking account. I am a based in XXXX but I live in XXXX. Therefore XXXX has to issue my XXXX I spoke to someone at the branch and someone in the fraud department and advised what exactly was going on XX/XX/2020. That day I was told that they would close the account and send me the balance of {$1100.00}. I have called JP Morgan Chase several times about the funds in the closed account. The bank has been unresponsive and unhelpful after several attempts to obtain answers. I have not until this day received the funds that were in the closed account.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I 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. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-27
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. (AZ)

There is one account that is a student loan and this is not mine I have been disputing this with the bureaus for months now I need this off my credit since it does not belong to me!!! 

XXXX - Acct # XXXX XXXX {$140000.00}
Consumer complaint received 2020-12-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

This debt shows up as National Credit system in reference to XXXXXXXX XXXX XXXX. 
The alleged amount is {$590.00}. We contacted the Apartment building and they have no record of it. Contacted the prior property company XXXX and they have no record of it. 
Contacted National Credit System at XXXX and at first gave the account number listed on my credit report and my social security number was transfered to a XXXX XXXX voice mail. 
I have not received a return call yet. I have also written dispute letters to all three credit bureaus to have it removed since it seems like a fraudulent charge since no one knows anything about it. 
Please assist me in anyway you can to get this remedied. 
Thank you
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnions housed incorrect and false data that was supplied to credit and service providers who in turn took negative action against me because of the false data housed by TransUnion. 
At the time I could not gain access to my credit report and TransUnion would not provide me with a copy of my credit report when I called multiple times. TransUnion have since created a new file in my name which does not contain all of my credit information, so my file continues to be incorrect and negatively impacting my financial status. 

TransUnion refuses to provide me with access to the historical information and data that was collected about me and used against me by credit issuers and service providers. 

TransUnions has evaded all requests placed directly with them and TransUnion continuesto fail to provide notice to the creditors who used the incorrect data against me that the data they were provided with was incorrect. 

I can not get answers or a response from TransUnion and their call centre staff hang up the call when I ask to raise the matter.
Consumer complaint received 2021-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

Merchant credit Guide located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. Phone XXXX is reporting a charge off on my credit report at XXXX Reporting agency in the amount of XXXX. The Original Creditor is XXXX XXXX XXXX. I filed 2 disputes with XXXX requesting the discharge be removed from my credit report as the bill was paid in full directly to XXXX XXXX XXXX, the Original Credit in the amount of XXXX. This information was disputed twice, dispute no. XXXX and dispute no XXXX with XXXX in which Merchant Credit Guide said the account was not paid XXXX and would not delete from my credit report. As a result, my closing date on my new home was postponed due to this outstanding XXXX listed on my credit report. I also contacted Merchant Credit directly reporting that I dont owe XXXX XXXX. Merchant credit guide is a third party collection company and could have called XXXX XXXX to confirm the account information which they did not.
Consumer complaint received 2024-12-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: The Receivable Management Services LLC (CA)

I have a disputed debt with blue shield. In spite of the dispute and their statement that they would take the debt from me against my will through payments they owe me, they sent this alleged debt to collections with no notice. I have sent XXXX letters to this collection agency that this debtt is disputed. They have sent me XXXX letters, called my employer repeatedly and informed them of the supposed debt including amounts and continue to harass me
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake. I also have not received any results for the disputes that i opened on these items from the credit bureaus. Its like they didn't even open the investigations because i have received no notice regarding how the company responded. Please help me any way you can.
Consumer complaint received 2020-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (CA)

Good afternoon, I have 4 home loans with AimLoan.com. I have always made my payments on time. I requested a 3 to 4 month forbearance just in case my tenants had any issues with paying. Everything was okay, so I requested to leave forbearance and I continued making my mortgage payments timely and have done so for 6 straight months. When the company recalculated the new loan balances after I requested " payment deferral '', I received my new statements. I called the company to go over the new loan balances and if they applied my mortgage payments properly. I noticed they " suspensed '' the mortgage payments during the 3 month process to complete the payment deferral, and I am afraid they did not properly apply these payments properly. I did get a call from a manager and he stated he would go over all 4 loans with me to see if payments were applied and new loan balances were correct. He never called me back after initial phone call. I'm afraid that this company is not processing payments correctly and I need them to send me a detailed breakdown of payments received, principal applied and forbearance payments added back in. 

I have called this company probably a dozen times over the last 4 months. I have reached out to XXXX XXXX customer service and they are trying to help. 

Please help me figure this out. I understand everyone is busy due to covid and the forbearance process, but I should be able to get an accounting of my payments to my mortgage servicer. 

Thank you in advance for your help. 

Best, XXXX
Consumer complaint received 2021-09-15
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: EQUIFAX, INC. (LA)

I have made several attempts to communicate with your Offices to have the alleged accounts listed in Exhibit B DELETED from my credit report. 

The alleged accounts listed in Exhibit B are false, invalid, inaccurate and carry no documented evidence as being valid. To the least, none of these items have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting these non-compliant and unverifiable items on my credit report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer the financial institution shall provide a notice of such furnishing of negative information in writing, to the customer. 
( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

I did not receive written notice from any of the Data Furnishers that they were going to report negative information to a consumer reporting agency. 

In accordance with the Federal Law outlined above, I exercise my rights under the FCRA that you ( XXXX, XXXX, and Equifax ) provide proof of the required notice. 

I demand certified proof that your offices and the Data Furnishers complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you need to present me with a certificate in testimony that all of the alleged items presented in Exhibit B are in fact valid and not subterfuge? 

I would like this affidavit to serve as my final notice to your offices to DELETE the alleged accounts listed in EXHIBIT B. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from Attached Affidavit ) *****
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On or about XX/XX/XXXX, Capital One Credit Services closed out my credit account due to fraud suspicion. An investigation was launched and showed no fraud activity on account. I help this credit card account in good standing over 3 years, in the duration I was offered a credit increase and auto loan for outstanding payment history and relationship with the creditor. However, due to the fraud investigation results, this creditor closed out my credit card account with little to no feasible explanation why. The result devastated my credit score with a blow out decrease of 35 points dropping my initial credit score that I have worked hard to improve and repair.
Consumer complaint received 2024-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (IL)

Last XXXX week, checking my credit store I found a new opened account on XX/XX/year> from ELAN FIN SVCS/FIDELITY with a balance unpaid of {$1500.00} usd. 
The account number shown is XXXX. 
the report only has that information, account number, balance, an address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. ELAN FIN SVCS/FIDELITY as creditor and Credit card bank type. 
I have never opened an account with that bank or whatever it is. 
I'm very worry that I have been object of identity theft. 
I want this account closed and of course I am not going to pay that balance. 
please check my credit score to see that I try to be very responsible paying all my accounts. 
Please help me. 
I had to edit this section because I was asked about the billing mail address of that credit card but I have no idea which could it be. I have never received a bill by mail or by email.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I the consumer XXXX XXXX, was the victim of identity theft and have fraudulent accounts appearing on my credit report as result of that. These accounts originated from identity theft and are fraudulent, I never benefitted from these accounts. 15 usc 1681c-2 states that any items related to identity theft must be blocked by consumer reporting agencies. The following accounts are related to identity theft XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-16
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. (FL)

I would like to let you know that I found wrong and incorrect information in my credit report. These accounts that I mentioned in my complain report are not mine. Its pure identity theft, I think someone just used my personal information or I just became a victim of identity theft. I do not recognize these accounts absolutely. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2020-12-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

XX/XX/XXXX I called Carrington Mortgage Services, CMS, : Explained I wanted to change my Homeowners Ins. Co. as current company was due to renew end of XXXX. CMS already made payment to that company. I was instructed to contact co. for a refund and mail a check back to CMS to put back in escrow. I was instructed escrow payments must be sent by paper check and clearly marked escrow only, which I did on the face of check double underscored on top and escrow only in memo on check bottom. CMS advised to send check for amount that will be paid to " new '' ins. co. {$1100.00}. Please know I sent amount instructed by Cst. service. I send escrow check in the amt. of {$1100.00}, it was mailed on XX/XX/XXXX cleared bank on XX/XX/XXXX, I thought all was good. I checked my mortgage after the XX/XX/XXXX payment had slightly decreased to {$490.00}. My account page listed new payment amount of {$680.00} to commence on XX/XX/XXXX ( also stated on escrow analysis dated XX/XX/XXXX ). I was confused and called CMS at which time I became aware of negative escrow Balance : XXXX {$1100.00} ) On XX/XX/XXXX I started investigating my account payment history showed these payments made to CMS for principal on same day escrow check cleared my account ( XX/XX/XXXX ) in addition to XX/XX/XXXX reg. auto debit cleared {$520.00} then on XX/XX/XXXX the following payments were listed {$15.00} fee, {$66.00} curtailment, {$520.00} funds received, {$540.00} funds received. I requested a review and correction I was told another escrow analysis would need to done. But to my surprise on XX/XX/XXXX a draft came through on my checking account for {$680.00} a {$160.00} increase from my regular mortgage payment of {$520.00}. I never received communication from CMS of the increased amount to take effect in XX/XX/XXXX. I called CMS and explained there was an error on their part and I immediately went to bank to stop payment amount. I also stopped automatic debit on XX/XX/XXXX as the {$680.00} was taken from my account on XX/XX/XXXX causing two overdrafts. The money came back to my account on XX/XX/XXXX. I put stop payment on CMS. Meanwhile b4 the money returned ; I pleaded they send back the amount they used for another forced curtailment payment in the amount of {$130.00} and they refused. Then on XX/XX/XXXX they tried again to auto debit my account for {$540.00}. I can show where the actually took the {$680.00} and applied it to payment, forced curtailment and a late fee of {$19.00}? ( btw when they rec 'd the escrow check I saw where they charged me a late fee there again {$19.00}? ) Nothing was ever paid late. On XX/XX/XXXX I mailed a check in the amount of my payment of {$520.00} to make sure I stay current on time.
Consumer complaint received 2022-07-20
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. (IL)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$770.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX : {$84.00} XXXX  XXXX Balance : {$84.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-12-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pharus Funding LLC (IN)

They sent a letter through mail saying for me to be in court XX/XX/XXXX or they will freeze all of my acct with my name on the acct. And Garnishee my husband work check They say I owe XXXX from XXXX XXXX In Tennessee I am guessing.and the letter is showing all of our acct info on it. I have tried to email them like the letter said to do but no response.and the plaintiff is. XXXX XXXX from XXXX Oh