davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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. (OH)

Credit Breau did not complete investigation or mail results of where they obtained alleged bankruptcy information at. XXXX XXXX reports that no such information was released to the credit bureaus as well as the courts. I am challenging the validity of this information as inaccurate reporting information.
Consumer complaint received 2018-03-17
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)

I have had numerous issues with Transunion not reporting my correct balances on my credit accounts. The most recent is an XXXX XXXX account from XXXX XXXX. My Balance is XXXX and Transunion reported {$56.00}. I have complained previously about TransUnion not reporting correct account balances. Additionally, they recently deleted an open XXXX XXXX account in good standing and without my consent from my credit report.
Consumer complaint received 2022-06-21
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. (MD)

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. 

XXXX XXXX XXXX Account # XXXX XXXX - RETAIL Account # 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 a 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 2020-12-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Klarna AB (TX)

So on XX/XX/2020 I had bought a high ticket item off XXXX for XXXX using Klarna as the lender. When I received said item it was not as described. I had gotten scammed and fraud by somebody online. They had changed my name and my address on there to hoping I wouldn't get it and would lose the package and all my money. I was able to get the package from the post office. I opened the package and it was a bunch of fake cards in there I had recorded the opening because the cards were not welt felt like they should have been. I have records of the call logs and messages on XXXX. I called Klarna to get my money back and said they don't and you can only get the money back from the platform or the seller. So I told them to freeze the money and they did. I opened a case with XXXX  and they closed it. Because they said I did a chargeback which I didn't all I did was freeze payment closed the case I have been going back and forth with them to get my money back and Klarna has been no help at all. I'm losing XXXX, I'm stressed, Im getting XXXX, and XXXX  over this. I just want to get the refund and move one. I'm stuck in a rock and hard place and nobody seems to help and it isn't right at all. I even reported for mail fraud with united states postal inspection service and also reported with my attorney generals office. I have all the evidence and even still have the packaging. I Just want Klarna to do what is right and I can get my money back and move on. I have video evidence of me opening the package and I still have the package in my possession as well.
Consumer complaint received 2021-01-21
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: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX  XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-12-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

We closed the refinancing from XXXX XXXX and XXXX XXXX XXXX ' Representative came to our house and we signed all required loan disclosures on XXXX XX/XX/2020. The Closing disclosure shows the disbursement of our balance loan payment to Chase on XX/XX/2020 and the balance of the 1st mortgage loan as {$340000.00}. However, the XXXX XXXX XXXX representative failed to wire the funds until XX/XX/2020. Further the Chase payment shows that the actual payment made to Chase bank was $ {$340000.00}. This means that XXXX XXXX XXXX still holding the our balance of {$65000.00}. 
I am unable to get hold of the Escrow Officer Ms. XXXX XXXX on telephone and she failed to return my calls. In addition XXXX XXXX XXXX failed to respond to my email letters too as of this day. 
Failure to return the the overpaid Escrow money to the customer even after around four weeks and failure to provide full disclosure of the Escrow money and return this to the customer promptly is not only unethical practice but it may be even illegal practice. 
Nobody seems to respond to my telephone calls and not even my email letters. 
I am NOT sure if they just want to pocket this escrow money. 
I hope you may be able to take the appropriate action about such unethical & illegal practices of XXXX XXXX XXXXs which is also Title company. 
I and my wife are retiree and hoping to seek you help on this matter. 
Thank you for you help and have a great day. 
XXXX XXXX, My Cell Tel XXXX XXXX XXXX, My email Address : XXXX XXXX
Consumer complaint received 2018-05-03
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. (CA)

I was asked by XXXX bank to give my SSN, as part of the XXXX process for a credit card application for a Business. I communicated to XXXX bank the card is for a Business, and the Business is its own multi member corp, trading for tax purposes as a corp due to multi member. The banker at XXXX, assured me the CREDIT card is under the name and federal EIN of the business, and my perosnal credit report, will not be affected. The bank lied. Now three years on the Company who owns the credit card, is in a court lawsuit. Littigation is before a judge, in AZ superior court of law. Arizona civil court file number XXXX XXXX Civil court. Link here. XXXX : XXXX caseNumber=XXXX Due to legal advice, and circumstances, the company XXXX XXXX XXXX represented by a Securities attorney for white coller crime XXXX XXXX whos name also appears on the Docket number, has told XXXX XXXX XXXX not to pay credit card, as conflict dispute exists in court between the Business vendor, the debts on the card, were acrrrued on behalf of. XXXX XXXX XXXX ... and the Business, XXXX XXXX XXXX. 

XXXX despite making representations my credit will not be affected, has gone ahead, and reported the Business credit card for XXXX XXXX XXXX, XXXX as a personal individual debt, to at least XXXX and transunion as {$10000.00} owing and unpaid. This is AGAINST the law. Potentially all three credit agencies have miss information being presented to them by XXXX and agencies are un aware of the false report on my credit as delinqunet and past due, on a " Company credit card '' XXXX is reporting as PERSONAL. XXXX is markng it as an unpaid personal debt - on a {$10000.00} credit card under my name, when the ACCOUNT itself with XXXX  card services is under XXXX XXXX XXXX and in leagel dispute in Court of Law. " XXXX XXXX XXXX XXXX '' the debt belongs to not me. This is unethical practice by a bank. In addation credit agencies have FAILED to validate the name on the Credit card account and are reporting it as XXXX XXXX, when it is in fact a Business card not a personal card at all. Also, I live in California, a state where XXXX was successfully sued and lost in the lawsuit for calling its customers on Cell, in conflict with California state laws. Despite advising XXXX, I do not want to be called on my Cell, and I live in California XXXX continue to call me. This is unlawfull, as I have withdrawn all consent for XXXX to call me on a personal cell.
Consumer complaint received 2024-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (TX)

I was a victim of identity thief. I never had a XXXX account in XXXX and I have been living in XXXXXXXX XXXX  for the past 14 years. LJ Ross and associates were informed by me that this was not an account I opened and I also told XXXX but they didnt care and wanted me to pay the balance which isnt mine. I have disputed this fraudulent account multiple times. The account is for {$580.00} dollars and XXXX XXXX said that LJ Ross has had this account since XXXX of XXXX  however I dont even know the date that this supposed account of mine was actually opened. I made an identity thief report also.
Consumer complaint received 2018-05-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

We initially filed a complaint with the Consumer Finance Protection Bureau on XX/XX/XXXX regarding our disaster modification to which we received a response from XXXX XXXX XXXX on XX/XX/XXXX informing us that the late fees assessed were removed and future late fees would not be assessed. Additionally, we were told that the forbearance would continue through the end of XX/XX/XXXX at which time the disaster loan modification would be processed and that an application would not be required. 
The dealing with Freedom on this disaster modification has gone from a comedy of errors to negligence and incompetency to gross negligence. 
On XX/XX/XXXX we received a letter dated XX/XX/XXXX from Freedom Mortgage informing us that as a result of RESPA and the 60-day rule that Freedom would report our account as delinquent onXX/XX/XXXX. I  immediately telephoned Freedom and after not getting a resolution, I asked to speak to someone in the escalation department and was told that I have been assigned a Single Point of Contact and that because I was current on the mortgage prior to the disaster, that in accordance with Mortgagee Letter XX/XX/XXXX issued by HUD it was a straight forward process and should be resolved within 2 weeks and the reporting would not be an issue. 
In reviewing our credit report, Freedom reported to the various credit agencies as the mortgage as being delinquent on XX/XX/XXXX ; a violation of RESPA requirement stated in their XX/XX/XXXX letter. 
Over the course of the last 4 months we have telephoned Freedom over 20 times, only to be told we need to resubmit the same material we have been submitting since XX/XX/XXXX. 
I called Freedom again last week and was told that before I can have the disaster modification I need to complete a trial period. This too was incorrect information provided, for one, we have been paying the mortgage, and secondly as stipulated in HUD Mortgagee Letter XX/XX/XXXX, a Trial Payment Plan ( TPP ) is not required before completion of a Disaster Rate and Term Loan Modification or a Disaster Standalone Partial Claim for a Borrower who was current or less than 30 days past due as of the date of the applicable Disaster Declaration. 
Quite frankly, it is clear to me that Freedom has no idea what is going on or what to do, even though HUD has clearly outlined the policy. As a result, they are now reporting a delinquency to the credit agencies, won't return a phone call to address the issue, and fail to finalize the disaster modification. As a result of Freedoms gross negligence, this negative reporting is now causing issues professionally. In addition to this complaint I am also filing a complaint with the Florida Office of Financial Regulation.
Consumer complaint received 2021-08-13
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (HI)

I am paying on several school loans, I thought this loan was paid off. The company did not reach out to me with any late notices. I noticed my credit was effected in a negative light. So I found out my loan was not paid off. Before and after this incident, I have no other non payments. I asked them to take this off my credit report after i was current. The delinquent accounts were in XXXX, XXXX, XXXX, XXXX of XXXX. I asked if I paid them if they would take them off. My credit is very low because of this school loan. Company Name is FEDLOAN servicing.
Consumer complaint received 2020-12-06
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: DISCOVER BANK (FL)

CFPB : I have been a Victim of the 2017 XXXX Security Breach. I have disputed with XXXX XXXX over six times regarding the same thing and I have sent them police reports along with FTC reports explaining the situation and each representative assures me that these inquiries are going to be removed. Then once the investigation is complete they sent me a copy of my credit report stating that the inquiries have been deleted but they still remain. I have contacted XXXX because most of the inquiries are from XXXX and they agreed to have them removed but they remain. This is a trying time for many American and worldwide people some of us need to take out loans and due to the fraudulent inquiries it is a hindrance right now to take loan.
Consumer complaint received 2018-01-30
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. (MD)

I had a perfect credit history. I had no late payments with my creditors for some several years.  My score ranged for XXXX to XXXX normally.  On XX/XX/XXXX, the XXXX company reported a 90 day late to the credit bureau for the months of XX/XX/XXXX and XX/XX/XXXX.  This infarction caused my credit score to drop to XXXX.  I had been making payments monthly to XXXX. Consistently, the XXXX Reps ensured me that as long as payments were consistently made; I would be in good standings. However, that was not the case. I made my last payment on XX/XX/XXXX. and was held in default for not only XXXX but XXXX as well. I have contacted XXXX by phone to dispute, but was unsuccessful. I have submitted a written Dispute that is pending. My frustration comes because XXXX  incorrectly informed me on my account situation and also was not given the appropriate consideration.I asked that the 90 Day lates be removed from my credit report. Thank you in advance for your cooperation into this matter.
Consumer complaint received 2022-06-20
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. (IN)

In accordance with the Fair Credit Reporting act 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 2022-06-20
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. (VA)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anyone. '' The data furnisher XXXX XXXX can not verify the bankruptcy either. So if thats the case How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-06-20
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

. In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2022-06-21
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( 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
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

These following accounts do not belong to me and reports were made already. My identity was stolen and I have tried several attempts to get these accounts removed as they do not belong to me. I have asked for proof that they belong to me and it was not given. I have attached an identity theft report with further details. The credit companies are also breaking several laws which I will include in here. Account XXXX XXXX XXXX, open date XX/XX/XXXX, XXXX. Account XXXX XXXX XXXX, open XX/XX/year>. These are two of the same account that dont belong to me. I would like proof that these accounts belong to me from the company reporting them. Account XXXX XXXX, open XX/XX/year>. These accounts do not belong to me and was involved in my identity being stolen. Laws, under 15 USC 1692g. validation of debts. under 15 USC 1681c-2. block of information resulting from identity theft.