davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Collecons : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian placed these inquiries on my report, I have no knowledge of them. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-09
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: Experian Information Solutions Inc. (TX)

Experian allowed XXXX XXXX XXXX XXXX to pull my credit on XXXX without permissible permission. See attached letter reflecting XXXX. XXXX attached forged & fraudulent permission dated XXXX XXXX will label this complaint as duplicate and reporting accurately. Experian will not research correctly and allow their client to steal information.
Consumer complaint received 2022-08-09
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: JPMORGAN CHASE & CO. (MS)

On XX/XX/2021 I received an Inquiry from JPMCB Card. And I already reported it to the Credit Bureau. They had no right to pull my credit and I never applied for anything from that bank. There was no permissible purpose and is a violation of the fair credit reporting act
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

These are my rebuttal " comments '' from an initial report where I funds were continually and automatically withdrawn from my bank, when I knowingly called and canceled. I must file a new complaint ; they said they paid me : I was informed Experian would give me a goodwill {$99.00} settlement even though *their records* showed no wrongdoing on their part. This payment to me as an olive branch to keep peace with their company. In fact they need an overhaul their business for consumer satisfaction, for transparency and for transactions. One clear example is they put nothing in a communication exchange like other companies via email. They only want you to call in. 

Therefore, conveniently it is their word against mine. 

Additionally when I did find a customer service email, I listed a brief concern I did not receive the {$99.00} and followed up my concern with a voice action with a customer service agent. After 25 minutes of explaining the lengthy concern again, the agent wanted " me '' to reiterate all of it to the escalation team with second complaint to this company about service. 

These business practices are unacceptable to me. 

To add one final clarification my bank *never* received this denomination of {$99.00} to my account. Where are their receipts this deposit occurred? I do not have it. 

I have spent an enormous amount of time to resolve this complaint ; whereby I believe my retribution needs to be more like {$290.00} for the original complaint! It should now even be doubled as a result of chasing them down for their *supposed* {$99.00}. Why Experian could not send the " Goodwill Funds '' to my home address is beyond my comprehension! They currently do not have my banking information, nor do I want them to have it. To me, the best service they can provide me is to send an apology to the home address and whatever they *deem* as " Goodwill '' monitarily!
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NV)

Experian issue with a closed XXXX XXXX  account. I had a long time ( over XXXX yrs ) XXXX XXXX bank Master card account with EXCELLENT Payment history that I closed in XXXX. My limit was over {$26000.00} and I paid off over {$25000.00} ( NEVER LATE ). 

Well someone at Experian with bad intentions, DELETES this account from my file on XX/XX/XXXX, then drops my score XXXX points because there is no longer credit history. 

The XX/XX/XXXX credit report shows my score as XXXX. 
The XX/XX/XXXX credit report shows my score as XXXX. 

And no reason was really given as to specifically why. I had to research & discover the closed acct was deleted. Was it really bothering Experian to just leave that Master card acct on my file because it shows a potential lender excellent payment history?? 

What do you think?? 

Thanks, XXXX XXXX
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland funding at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Consumer complaint received 2022-08-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tribal Lending Enterprise, Inc. (OR)

I received an odd message that a claim is being filed against me in my county. They gave me a file number and said that they needed to verify my identity with my social. I told them that I didn't feel comfortable and they Said they would call my employer and find my location and send police. 

I told them not to call me again and send anything pertinent to me via mail. And please stop calling me. I feel like it is a scam. They wouldn't tell me who the original debtor was or anything. 

Their numbers are : XXXX and XXXX. 

I looked it up and it seemed like fraud but wanted to report. 

Thank you.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (AL)

I sent out a letter to remove XXXX XXXX Acct # XXXX for the amount of {$1200.00} from my report. I Asked them to validate the debt. Not only did they fail to provide what was being asked of them, they also violated Hippa Laws by providing medical services rendered. They didn't provide my signature attaching me to this debt, but my credit report is being affected. They are also violating my consumer rights and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states a consumer agency can not furnish an account without my written consent.
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sentry Credit, Inc. (WA)

Sentry Credit Inc. waited until after my employment ended to attempt a wage garnishment in violation of the FDCPA. 

1. ) Sentry Credit Inc, XXXX XXXX XXXX XXXX, WA XXXX, misrepresented themselves on the writ of garnishment as " West Coast Adjusters, ''. 

2. ) Sentry Credit Inc, Sentry Credit IncXXXX XXXX XXXX XXXX XXXX, WA XXXX, made 'threats to do things that can not legally be done, or threats to do things that the debt collector has no intention of doing. ' Sentry Credit has no intention of actually garnishing wages, and intentionally served a garnishment notice two days after my separation of employment of a year and a half. 

Sentry Credit did this to embarrass, harass, and intimidate me for being XXXX and owing on a XXXX XXXX XXXX phone bill. Now the employer will likely never hire me back even if business improves.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (OH)

I purchased this car in XXXX. I was in a severe accident shortly after. Insurance paid majority of the balance. I attempted to settle with the company and make payments for the difference. They were not transparent in how to do this, I got different amounts from different people. It was all very shady. In XXXX, they offered me a settlement amount. Their email went to the junk folder and I was never mailed a paper version or contacted. I was under the impression everything was okay. I responded back to this email in XX/XX/XXXX when I saw it and heard nothing. They had not been reporting negative payments to the credit bureaus so I truly did not know anything was wrong. I later was informed the balance was not settled and was showing as a charge off. I contacted them to settle the debt. I settled the debt last month and they reported 20+ months of late payments. I would have paid this a lot sooner and not allowed damage to my credit if they had been reporting accurately. I have attempted to call in. The agents are INCREDIBLY rude. They interject, dont listen. Im not permitted to speak to their reporting department and advised Ill be sent a letter. Its been a horrible consumer experience and they ruined my credit when I was making true efforts to pay them. It is very unethical to not report accurate and timely data to the credit bureaus. I have provided them payment and closed the account. My only goal is to have the derogatory remarks removed.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: HCFS Healthcare Financial Services of TeamHealth (DE)

I contacted ARS consumer reporting agency to freeze my consumer report. I was told I needed to send my state issued ID and a utility bill to prove my identity. Im already a victim of identity theft. I explained I wanted to freeze my report. To no avail was I able to do it over the phone or online without sending other detailed info about myself. I asked to speak with a supervisor or manager and more than once I was told that without sending that info I wouldnt be able to speak with anyone. After giving my social security number date of birth and address and still couldnt get a security freeze placed on my consumer report.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OH)

ON XX/XX/XXXX I SUBMITTED ONLINE PAYMENT FOR CONTRACTOR. I HAD TO SUBMIT TWO PAYMENTS DUE TO DAILY MAXX. {$5000.00} XX/XX/XXXX AND SCHEDULED XXXX FOR XX/XX/XXXX. ON XX/XX/XXXX CONTRACTOR TOLD ME I SUBMITTED TO THE WRONG PERSON. I CALLED BACK TO CANCEL. I WAS INFORMED THAT I WOULD HAVE TO FILE A CLAIM, I SUBMITTED CLAIM AND THE {$2500.00} WAS PENDING. I WAS TOL DIT WOULD TAKE 10 DAYS TO RESEARCH. I CALLED ON XXXX AND XXXX AND WAS TILD CLAIM STILL BEING RESEARCHED. I CALLED ON XXXX AND XXXX AND WAS TILD TO WAIT 10 DAYS FROM THE DAY I SUBMITTED CLAIM. XXXX I CALLED AND WAS TOLD CLAIM WAS DENIED ON ON XXXX. CHASE SAID THEY CONTACTED BANK ON XXXX AND THE MONEY WAS GONE. I ASKED WHY I HAD NOT BEEN TOLD THE CALIM WAS DENIED. CS SAID I CANT ANSWER THAT QUESTION. I WENT INTO BANK AND WAS GIVEN THE UPDATED DENIAL LETTER. I WAS SO CONFUSED ALL 4 DAYS NOONE SAID OH WE COMPLETED THE RESEARCH. THE TELLER PRINTED LETTER THAT CLARLY STATED CONTACT US IF YOU WOULD LIKE TO REQUEST THE INFORMATION XXXX. I CONTACTED NUMBER TO GET SOME ANSWERS. XXXX STATED I NEED A SUPENO TO REQUEST INFORMATION. CHASE WAITED 6 DAYS TO CONTACT BANK ABOUT FUNDS THAT WERE PENDING AND THE XXXX COULD HAVE BEEN RECOVERED. I WENT INTO BANK TODAY AND PERSONAL TELLER STATED OH LOOK AT WHAT IT SAYS WHEN YOU SEND PAYMENT. I UNDERSTAND IT WAS MY MISTAKE BUT SHOULD IT COST ME {$7500.00} THEY COULD HAD CONTACTED THE OTHER BANK SOONER. CHASE COULD HAVE CALLED CONTRACTOR HE HAD ADMITTED HE KNEW THE MONEY WASNT HIS. CS REP SAID I SHOULD HAVE SAID IT WAS FRAUD THEY WOULD HAVE MOVED FASTER. HOW IS THAT PROTECTING OUR FUNDS?
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (IL)

My equifax credit score is not accurate and equifax has violated my consumer rights. Title 15, ch. 41 and ch. 94 sub chapter 1 & 2. 
15 USC 1681a3 and 1681a4 Equifax did not exercise their grave responsibility. You were unfair, you were partial. Equifax did not respect my right to privacy. 
I never instructed Equifax to furnish this report. Nor did I give Equifax consent or to create this report in the first place. Equifax never had permissible purpose from me.
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA)

On XX/XX/XXXX, I sent a MoneyGram order to my cousin in XXXX for his medical bills. On XX/XX/XXXX, he went to 5 different MoneyGram locations to retrieve the money sent and all the agents told him that he can not retrieve the full amount. I called MoneyGram on XX/XX/XXXX, to try to resolve this issue. I was told that they would have to cancel the transaction but I would be loosing my service fee of {$14.00}. I explained to the the issue was not on my end but on their end and I was not told that there was a limit to the amount that I would be able to send. They told me that they couldnt refund me my service fee. I just want the entire amount back. Ive already lost {$60.00} in transportation fees to have my cousin go to 5 different locations. We have been giving the run around and I feel I have been scammed and violated.
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I closed my mortgage about a year or so ago, and only 3 months from today ( roughly XXXX ) ago did I get notified by New Rez that I had funds in my Escrow they distributed to the state of Colorado of the amount ~ {$2300.00}. I have been trying since then, with their mortgage servicing department, to get the funds transferred back to me. They have failed to mail the check or deposit the funds via ACH after the initiation of the xfer was started, finally, around XX/XX/XXXX on 3 separate occasions. We are now on the 4th time where they retracted the statement it was going to be auto-deposited to my account, back too the mailed check has been processed. They continuously state the wait time is 7-10 business days. It has been 3 months. If I did the same to them, I'd be hearing from debt collectors. 
Instead of any productivity and transparency from either the lender or CFPB, I get to rely on this form in hopes of what, CFPB sending a strongly worded letter? This system is entirely broken.
Consumer complaint received 2022-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (MD)

My bank shows that a payment of {$96.00} cleared on XX/XX/2022, but Affirm says it didn't and provides absolutely no way to contact them. The message from Affirm instructed me to reply to the message ( " If you need help, reply to this email, '' ), but it was configured to reply to XXXX XXXX XXXX and accordingly immediately replied to my message saying, " Thanks for getting in touch. We're not monitoring this inbox [ .... ] '' I tried manually replying to the address the message was sent from but have not yet received any acknowledgement or response. When I tried to find a way to contact them on their website, it gives me menus that result only in circular references to the same FAQs and menus. When I tried to use their chat agent, it went through some prompts with the same subjects as the FAQs, then said they'd need to get an agent and requested that I log in, and asked me to enter what I was contacting them about, and soon said no one was available and again referred me to the same circular FAQs and menus. Affirm 's website seems to show the payment did post, but they sent the email nonetheless, so I don't know.
Consumer complaint received 2022-08-09
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. (FL)

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (IL)

I have been contacted repeatedly by Tower Loan of XXXX XXXX Illinois from various phone numbers attempting to collect a debt for a different XXXX XXXX. I have told them repeatedly that they have the wrong person and need to stop contacting me. The latest attempts to contact me were impersonating an insurance claims adjuster wanting to talk to me about a claim. The insurance claim impersonator was calling from XXXX which seems to be a Texas phone number and the caller said their name was XXXX.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (SC)

I have been denied to extend my credit multiple times and then given high interest rates on loans due to the adverse action letters stating adverse items in equifax consumer report was the reason. 

Pursuant to 15 USC 1681 a ( 3 ) Equifax assumed their role in assembling and evaluating consumer credit and other information on consumers. I never gave Equifax permission or consent to report anything about me on any consumer report. 15 USC 1681 ( a ) ( 4 ) states there is a need to ensure the consumer reporting agencies exercises their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Equifax report about me is unfair and impartial because I was never consulted to verify if the information was accurate or if I even wanted the information reported at all. Equifax has not exercised their responsibility as evidenced by hundreds of inquiries theyve allowed on my consumer report. The 2017 data breach, the recent revelation that Equifax has damaged millions of consumers by sending erroneous scores, as well as the continuous reporting of unverified accounts on my consumer report. Equifax has shown a complete lack of respect for my rights to privacy, by reporting these accounts and inquiries without my consent and written instructions. These actions by Equifax are also violations of the Gramm-Leach-Billey Act, referenced by 15 USC 6801 and 15 USC 6802.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (CA)

I have been dealing with a person or persons using my credit to open accounts and abuse them. I filed an identity theft report and had it notarized. They only deleted some of the accounts. There are still accounts reporting that shouldn't be reporting to my credit because they don't belong to me.