davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
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. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Autovest, L.L.C. (GA)

To whom is may concern ; Company AUTOVEST contacted me to attempt to collection on an allege debt I have no clue of! and violated several consumer rights laws here 's a few listed below : 15 USC 1692a ( 6 ) ( A-C ) 15 USC 1613 18 USC 1341 18 USC 1701 Rule 10b-5 15 USC 1666b 15 USC 1666d
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (UT)

I HAVE REQUESTED THAT EXPERIAN, XXXX, AND XXXX REMOVE THE FRAUD ALERTS FROM MY CONSUMER PERSONAL CREDIT REPORTS THAT THEY CONTROL CONCERNING MY DATA OF DISCLOSURE. 
WHICH IS MY RIGHT UNDER THE FAIR CREDIT REPORTING ACT, TO CHOOSE TO HAVE OR NOT A FRAUD ALERT ATTACHED TO MY CREDIT REPORTS. 
THE SAID ABOVE CREDIT AGENCIES HAVE NOT COMPLIED WITH MY CURRENT REQUEST TO REMOVE THE FRAUD ALERTS.
Consumer complaint received 2023-01-02
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. (MI)

Credit reporting Bureau Experian is Under reporting my score well my report has no debt listed since everything 's been paid off and they have yet to reevaluate my number score and update it it has been the same for over 60 days with major changes happening during that time I feel I am being on accurately reported which is hurting my chances of receiving opportunities
Consumer complaint received 2023-01-02
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-02
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

Applied for a $ XXXX on line company XXXX XXXX with XXXX XXXX. Stated I was approved. Email Loan Agreement. XXXX XXXX signed and I signed. In order to deposit the money you had to have a online account. Did not have one so I open one. He send {$2000.00} for me to deposit in the account. When I did he said he would send the $ XXXX. When I did this XXXX XXXX wrote XXXX checks signed my name and the bank cash then. The bank signature does not match my signature which the bank have on file on my signature card. They went ahead and cash over $ XXXX of checks against my account. I emailed all the information from XXXX XXXX. I even called the bank to tell them to close my account. When into the bank the same day to have it closed. Yet the bank still paid the checks. Filed a police XXXX. Sign a bank affidavit. Bank even mailed a letter after they had cash the checks stating the checks did not look real. Yet they cash them. I had a direct deposit of {$1200.00} the fraud department took the deposit. I never received any documentation stating what they did with it. They also took {$100.00} from my business account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Only reason I was trying to get a loan was because my motor blow up and my roof is leaking on my house. The fraud department at Trusit Bank has every sheet of documentation. Even after I went in the bank they still paid the checks. I never write checks. Been with this bank over XXXX years I do not even own a check.
Consumer complaint received 2023-01-02
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. (OH)

I have tried several times with all the credit reporting agenciesand with this company to get my credit report 100 % accurate! This is extremelyfrustrating and not fair that neither of these companies are helping me inany way!!! This is the United States LAW to have my credit file 100 % accurate! You are also failing me by NOT HELPING ME get this 100 % accurate! I have even sent you ALL THE LETTERS of me trying to communicatewith this company and each of the credit reporting agencies. I will ask you onXXXX lasttime to help me get my report 100 % accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!
Consumer complaint received 2023-01-02
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)

My name is 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 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (NY)

I have been trying to get a Short Sale on my home from Shellpoint Mortgage Services. The closing was set for tomorrow, XXXX XXXX, 2016 but had to be adjourned because of issues with Shellpoint. I have had to submit numerous documents multiple times to them because they kept saying they did n't receive them or were the wrong form, etc. I have called my representative at Shellpoint numerous times and she never answers the phone and never returns calls. Then she went on vacation and no one else seems able to help. It is my contention that they have received all the necessary paperwork, etc from me and my attorney but due to their incompetence the deal keeps getting delayed. Shellpoint already approved the Short Sale conditionally but we had to adjourn the closing because they say they did n't get certain forms back in time.
Consumer complaint received 2016-07-28
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

Judgment against me in XX/XX/XXXX for $ XXXX.Instead of bankruptcy I chose to pay my debts. For some reason this debt was n't inc when I refinanced my home in XX/XX/XXXX. From XX/XX/XXXX-XX/XX/XXXX monthly payments $ XXXX {$600.00} automatically deducted from my checking account. Then deduction stopped I had paid {$9000.00} of the debt. Apparently Asset sold the acct to Midland Credit for the balance of {$1100.00}. Midland filed papers with XXXX XXXX, Fl with the ORIGINAL debt of {$100000.00} and started garnishing my wages. Midland refused to send me or my employer anything written of the balance, would n't return phone calls to my employer. They are still garnishing my pay and to date have about {$5000.00}. Midland rep told me they " have the right to collect up to the original debt ''. Is this legal. This is causing a financial hardship. I 'm a RN, I have to refuse addtl shifts, because that much more is taken. This month, XX/XX/XXXX they will have kept over {$2000.00} in one month. I need help I ca n't afford a lawyer.
Consumer complaint received 2023-01-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (SC)

Me and the apartment complex I lived in while in college had a disagreement about me having a XXXX XXXX XXXX XXXXold to me by XXXX XXXXXXXX XXXX  department. It was serious enough that they gave them XXXX  days to fix it. Since then I started to be XXXX. The place never kept a XXXX while I was a tenant. Most correspondence was through emails which I still have from XXXX 2018. 
XXXX  XXXX came in when my lease was up and went about things the wrong way of cleaning up the complex. Tried to track on extra fees and charged almost a month after I moved out. I disagreed from the beginning and was threatened with balance bring place in credit report.
Consumer complaint received 2023-01-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (MD)

I lost my job and have been in financial ruin every since. My bank advised that Im eligible for a Short Sale option. I submitted my loss mitigation packet XX/XX/2015 and have experienced nothing but delays, lack of communication, mistakes and hassel with this bank. My intention is to avoid forclosure, but this bank and the behavior of its staff will almost guarantee the loss of my home because of staff incompetence, mistakes, and all around negligence. I want someone to investigate the shady practices of this bank/servicer and get to the bottom of my concern. This company is a sham.
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX XXXX I received an offer to upgrade from Gold to Platinum and receive XXXX reward points if I spent {$5000.00} within 3 billing cycles ( which I did ). I contacted AmEx to confirm this was the deal and even opened a ticket so that I had a reference in case the points were not deposited. ( Ticket XXXX ). 

XX/XX/XXXX comes and no points have been deposited. I called and asked a rep to inquire and they claimed to escalate the request because they were n't sure what happened and told me I would be called back. Never happened. 

On XXXX XXXX, I called again ( I have the rep name if needed ) only to find out the ticket was administratively closed with no commentary or follow-up. We worked for an hour to track down the bonus offer ID ( XXXX ) and the promotional ID ( XXXX ) associated with the offer and the rep confirmed she saw the original offer email on my account. She set up a new XXXX number and assured me I would be contacted shortly with a full resolution. Never happened. 

On XXXX XXXX I recontacted support only to find out that the ticket was closed again with a comment along the lines of " Closed due to Non-AmEx issue. No further research is required ''. I requested a supervisor. The rep put me on hold for 5 or so minutes while the supervisor researched my issue. She came back on and said that " Unfortunately your promotion was only for people who were applying for new cards. '' I corrected her and re-read the offer which is in the original email that it was specifically to upgrade from Gold to Platinum. She was confused and could n't understand why it was a problem in that case. She claimed to escalate it further but based on my experience thus far I have no faith that this will be handled properly or resolved to my satisfaction. 

I have been nothing but an excellent and loyal cardholder of AmEx for years and feel that I am getting the runaround in an attempt for them to avoid honoring what was a legitimate offer I immediately took advantage of. I still have the original email with the offer. I enrolled in a timely manner. I have confirmation from the original rep of the legitimacy of the offer. I have the promotion and bonus ID numbers matched to my account. Yet I continue to get the runaround. I am not asking for anything that I did not rightfully apply for or earn, I simply want AmEx to honor their marketing promotion commitment and deposit XXXX rewards points into my account.
Consumer complaint received 2023-01-02
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022 2022
Consumer complaint received 2023-01-02
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-02
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: Consumer Portfolio Services, Inc. (PA)

I received an unauthorized inquiry from CONSUMER PORTFOLIO SERVICES XXXX XXXX XXXX XXXX, CA XXXX I did not apply for credit from this lender. When I called the phone number on their website, they identified themselves as a debt collector and asked for my full social security number.
Consumer complaint received 2023-01-02
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. (DC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-01-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (NY)

I have three student loans two with Sallie Mae. The government has automatically put my loans into deferment. Which I opted to still pay minimum monthly payments on. The issue that I have is that the government has suspended payments but is still adding interest during the entire time of deferment. I believe if the government was going to defer payments then they shouldve deferred interest at the same time. But they are using this to increase interest on our student loans.increasing the amount of repayment when the deferment is lifted.
Consumer complaint received 2023-01-02
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: Financial Data Systems (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. They are XXXX, badgering my credit with no explanation on an erroneous, alleged collections.
Consumer complaint received 2023-01-02
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: Neon Newco Corporation (CA)

Netspend XXXX XXXX XXXXXXXX XXXX they have sent me atleast XXXX cards, i have sent my information many times and they continue to ask for my information every time i call customer service. they asked for my Adress, social ID, state ID, IRS paperwork, its been almost XXXX XXXX and i have gotten no actual response. and its become a problem because ever since i opend that account many banks have sent me emails but none give me service.
Consumer complaint received 2023-01-02
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. (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with XXXX XXXX and they do not have information pursuant to XXXX XXXX XXXX. They are XXXX, badgering my credit with no explanation on an erroneous alleged chargeoff.
Consumer complaint received 2023-01-02
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (MD)

I have been a good member before Covid. I lost my phone and majority of my credit card was maxed as it was difficult for me to get a new job due to Covid and I ended up becoming homeless. 

Date : XX/XX/2023 CHASE BANK XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX. CHASE CUSTOMER SERVICE - DISPUTE PROCESSING Re : To Whom It May Concern, Please accept this letter as my request to remove all/any negative items ( late payments ) from my credit report ( XXXX, XXXX, XXXX, XXXX, etc. ). In support, I want to state the following : First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer with exceptional payment history, paying on time and accepting all your company conditions. Unfortunately, I went through a financially tragic moment where I lost my job due to C O V I D - 19, and as a result, I missed several payments. 
According to the law I have my right to dispute what I consider unfair, and I consider it unfair that I tried to communicate with your banking institution representatives on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me. 
To make your process of deletion easier, please find the late payment dates below ( which I would like removed ) : XXXX I appreciate your time and consideration. Please, contact me by physical address/mail or email only, which are both verified and linked to the account I hold with you. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX Maryland XXXX