davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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 there a accounts attached that

have 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 wit
hout my written consent.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX put a late payment on my account. This was an auto pay issue and the store recognized the issue on their end and fixed it when i disputed it. However, the late payment was never removed from my credit report by the credit bureau and its affecting my credit.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/XXXX I began working at XXXX XXXX for the owners of the business. I ran the company but was not an owner. In XX/XX/XXXX, I applied and was given a credit card Chase XXXX XXXX card. I did have to put in my social security card number. 

I left the company in XX/XX/XXXX but the card continued to be in use. In fact the password was changed on the card and I lost access to even log in. The debt continued to climb in my absence reaching it's current debt of {$48000.00}. Several payments were missed starting in XX/XX/XXXX. 

In XX/XX/XXXX I reached out to the company 's owner, XXXX XXXX and he agreed to take on ownership of the card and it's liability. I applied for a change of ownership/liabiltiy through Chase 's process but in XX/XX/XXXX received word that Chase had denied the change of ownership. 

In XX/XX/XXXX Chase applied the debt to my personal credit score, dropping it from XXXX to XXXX overnight. Chase has refused to give reason for the change of ownership denial and has drastically effected my credit score despite giving them a better opportunity to transfer this liability to the actual company owner. 

Thank you, XXXX XXXX
Consumer complaint received 2022-04-14
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 a company on my credit report named XXXX XXXX XXXX XXXX XXXX. XXXX on 2022 i sent a ftc report also a police report to have this item removed because i do not have a XXXX and im not on XXXX XXXX I also asked for proof to be sent yo me with my signature saying im responsible and i agreed to this term of XXXX XXXX I have no proof, the credit bureaus wont send me anything saying this court ordered debt is my obligation.
Consumer complaint received 2022-04-14
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2022-04-18
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)

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 XXXX ( Original Creditor : XXXX  XXXX Account # XXXX U.S. BANKRUPTCY XXXX REF # XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX, personal XX/XX/XXXX has violated my rights XXXX XXXX  and XXXX XXXX  XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX ( Reseller ) XX/XX/XXXX has violated my rights. 
XXXX XXXX  and XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX has violated my rights. 
XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2022-04-18
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 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

To whom this may concern my Tracking for my check was XXXX my item was picked up at a postal facility at XXXX XXXX  on XX/XX/2022 in XXXX, FL XXXX by SYNCHRONY BANK XXXX. The item was signed for by XXXX XXXX. This was for XXXX bill. 
Only a portion of my bill was paid I have evidence to prove it. I endorse the check for {$5000.00} and only {$3000.00} was honor. 
XXXX Your item was picked up at the post office at XXXX XXXX  on XX/XX/2022 in XXXX, FL XXXX. This is for XXXX bill. 
Since {$3000.00} was endorse [ wrote a check ] out for the remaining balance of {$2000.00} for the month of XXXX. 

I also had agents of the company denying my rights as a consumer to pay a bill.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I opened a new checking account with Citi and wired all my cash to them. 14 days later my funds, which they state are available, are under review and I am unable to access any of the funds. They are preventing any transfers. I have called customer service and spoken to 32 reps, spent 14 hours on the phone and went in person. I keep being told account will be in review for 24-48 hours, but its gone on for 14 days. I am now late on all my bills and I have no cash for food. They have stolen all of my liquid money with no explanation and no willingness to help me.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had been charged by bank of America on my XXXX card for several transfers of money out of my account I did not authorize on top of double charges for purchases I did make as well as purchases I did not authorize which should have been clearly obvious to bank of America if they had done any type of real investigation at all into my complaint. I have all the dates and I even have my phone conversation with them recorded. Their response was that no error had taken place at all. On my statements you can clearly see even the double charges for the exact same amount to the exact same place for the exact same time. How is it they saw no error? They obviously did nothing! Shame on you bank of America if it was your mother or sister I'm sure you would have done a better job at looking into the problem!!
Consumer complaint received 2022-04-14
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: TFC Credit Corporation of California (CA)

THESE ACCOUNTS REPORTING ON MY CREDIT REPORT HAVE NOT BEEN VALIDATED. FOR A FINAL TIME BEFORE I SEEK LITIGATION WITH MONETARY COMPENSATION, I AM HEREBY OFFICIALLY REQUESTING THE ORIGINAL CONTRACTS ( For Inspection ) including ALL pages WITH MY ORIGINAL SIGNATURE ( no copies ) and also provide an affidavit certifying that you did not breach any federal state contractual, commercial or consumer laws in carrying out the alleged contract and associated transaction. Also provide a transaction history with dates and details of payments. Finally, certify that you did not unlawfully use my signature to materially alter, falsify, or endorse any contract bearing my name or signature INTO A SECURITY, in order to convert my contract into assets, or gain assets from a third party. You MUST certify and prove that you are an actual LENDER as defined by law. You are bound by law to provide this information upon request pursuant to FOIA USC 5 section 552 and the Fair Debt Collections Practices Act and FCRA. TFC - XXXX & XXXX XXXX - XXXX. REMOVE ALL INCOMPLETE/INACCURATE ACCOUNTS FROM MY CREDIT REPORT
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TN)

RE : Possible Predatory Mortgage Practices by XXXX Seterus, and Mr. Cooper In the year of XXXX, I became a proud homeowner with a {$54000.00} 30-year mortgage with a 6.1 interest rate : not the best, but manageable. In this year of XXXX, I should be four years away ( XXXX ) from obtaining my dream goal of complete home ownership. Instead, I am in an extremely distressed situation still owing a mortgage with an unpaid principal of {$52000.00}, with a maturity date of XXXX/XXXX/XXXX. This letter is an attempt to initiate an investigation into what I consider extremely gross, and exploitive mortgage extension practices initiated by XXXX. The following is a brief overview of the situation. 

Specifically, there are three problematic areas initiated by XXXX  : 1 ) Twice denial of advertised low 3.5 % interest rate. Between the years of XXXX and XXXX, XXXX offered the 3.5 % twice. During the first offer, for days I engaged with a representative in telephone communication and supplied requested information. The next step was a scheduled appointment with a rep visit for signature. Within in 15 minutes before the appointment, I received a call from someone at XXXX  informing me that I would not get the new rate because I did not have enough insurance on my home ( {$140000.00} ). Immediately, I contacted someone in management about the issue, which turned out to be a useless reply of What do you want me to do about it? A couple of years later, XXXX made a second offer, and I reapplied with no success. Instead, my mortgage was extended by 20 years and sold/transferred to Seterus. The further sting by /XXXX  is that I was a good steward with my mortgage payments never missed one, and never got the reduced mortgage rate. The irony here is that currently on my credit report, XXXX noted an excellent rating. 

2 ) Undisclosed mortgage extensions. XXXX sold/transferred my mortgage to Seterus with 60-year mortgage ; afterwards, the mortgage was transferred to Mr. Cooper with 50-year mortgage term.

3 ) Currently, the latter mortgage is the most abysmal in which only {$25.00} ( {$300.00} annually ) of my monthly mortgage payment of {$500.00} ( {$6000.00} annually ) goes toward the principal. Again, with an estimated maturity date of XXXX. Recently in XXXX, I reached out to Mr. Cooper requesting an adjustment on the mortgage, extension, and an equity withdrawal of {$10000.00} for minor home repairs. Not surprisingly, my request was denied due to credit. As with XXXX, I have been a good steward paying my monthly mortgage. 

In closing, as you can XXXXmagine, this is a very distressful situation. Please help with any recourse I may have with this situation.
Consumer complaint received 2022-04-18
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. (GA)

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$1700.00} XXXX. XXXX, XXXX : XXXX -- -> : {$1200.00} XXXX, XXXX : XXXX -- -> : {$260.00} XXXX  : XXXX -- -> {$12000.00}
Consumer complaint received 2022-04-14
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXXhas 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 2022-04-18
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  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 2022-04-14
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. (FL)

I have an account with first access and the company closed it in XX/XX/2021 due to identity theft. I have been disputing this account since XX/XX/2021 and Experian says they are disputing it and the tbXXXX XXXX says the account is open. When I call XXXX XXXX they insist that they sent a letter in XX/XX/2021. Each company is blaming each other and meanwhile 7 months later the account still remains on my credit report and my score has tanked! This is not fair and both companies are not fixing this problem! I have waited for both companies to due what is right and they have not.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stenger & Stenger, P.C (OH)

I am being sued in civil court in XXXX XXXX Ohio by XXXX XXXX also known as XXXX XXXX XXXX and their legal servicer, Stenger and Stenger. The account in question, ending in # XXXX is the result of identity theft, of which I am the victim. Resurgent, XXXX XXXX and their affiliates/ attorneys, Stenger and Stenger have failed to act in good faith with regards to providing me any kind of documentation that Ive requested, including an affidavit of fraud. Neither XXXX XXXX / XXXX or Stenger and Stenger have responded to my requests for validation of the debt or my numerous requests that they investigate this as fraud. They have not followed through and cooperated in any attempts to prove this debt is invalid and fraudulent. On XX/XX/2022 I spoke with Resurgent rep XXXX in their fraud department who admitted that they had received my requests but they had not acted on them as of yet. XXXX then assured me that they would send me the affidavit of fraud to fill out along with all of the other documentation I had requested. She told me that I must wait to receive the affidavit from them and that they would not accept a generic affidavit of fraud from any other source. As of today, XX/XX/2022 I have yet to receive the affidavit of fraud I was promised. They refuse to validate the debt as per the Fair Credit Reporting Act. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them. Resurgent, XXXX Funding and Stenger and Stenger have all failed to follow up and answer my requests to investigate this account as fraud as per the Fair Credit Reporting Act. They have failed to provide me with an affidavit of fraud to fill out to move this along to be investigated as fraud. Their failure is negatively impacting me and needs to be resolved as soon as possible.
Consumer complaint received 2022-04-15
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. (IA)

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 2022-04-15
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U. S. C 1681 Section 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 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted Transunion via phone and mail requesting to have XXXX, XXXX and XXXX deleted from my report as these accounts are closed and i would like to have them removed. Also, I have asked why when paying my cards down it is reducing my credit score for over a year I havent been able to get past a certain margin with transunion. Please help with having the above referenced accounts deleted from reporting on my credit file thank you
Consumer complaint received 2022-04-18
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)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (ME)

I am both a Chase credit card and Chase checking customer. I make payments to my Chase credit card from my Chase checking account. Chase immediately reduces my available funds in my checking account by the payment amount on the day I instruct the payment using their online banking service, however, they delay applying the payment to my credit card until the next business day. 

Most recently, I made a significant payment of {$6400.00}, which again, was not applied until the next business day but was deducted from available funds the same day. Interest accrued would be {$2.00}, which while trivial, occurs whenever I make payments. 

My complaint is that the funds are always within Chase. Their failure to credit my credit card balance, while they have debited my checking balance, is simply rewarding themselves at my expense. If I were to pay an external card with Chase checking funds, I would expect those to be immediately debited even though it may take 1-3 days for the ACH payments to be credited to another financial institution. But this funding one side of the same bank ; there should be no delay and no additional accrual of average balance interest. 

Please contact me if more information is required.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MI)

On XX/XX/2022 I filed a CFPB complaint that Discover was NOT reporting to the credit bureaus that I have a Discover Account # XXXX XXXX XXXX XXXX as an authorized user. 

I also filed this complaint with XXXX, XXXX and XXXX to confirm with Discover that I am the owner of that account. 
After no proper response I filed the claim again on XX/XX/2022 with Discover, and all 3 credit Bureaus. 
On XX/XX/XXXX, Discover sent me a letter agreeing with all my claims and promised they would provide the proper information to XXXX, XXXX, XXXX and XXXX. ( see Discover letter attached ). This account is reported on the XXXX of every month and although Discover reported for 4 other authorized users for same account ( see attached XXXX  update showing the Discover account was updated on XX/XX/2022 for another authorized user ) Incredibly Discover has either failed to follow through or the credit bureaus are deliberately withholding the information. Therefore, as my right I am requesting Discover provide me the date they reported the correction to the credit Bureaus including a copy of the AUD form they claim to have submitted to XXXX, XXXX, XXXX and XXXX.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a car in XX/XX/XXXX it was total out XX/XX/XXXX charged off XXXX but reappear XXXX. I got XXXX XXXX filed a dispute with trans union never resolved then I gor another car charged off XXXX reappeared same thing filed a dispute never resolved
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have credit card balance thats incorrect and credit cards thats was closed with no balance showing up with a balance. Information that was supposed to be removed still on there for get it now. Bankruptcy that was supposed to be removed still popping up. XXXX account that was removed now back on my credit report. Credit scores keep going down after Ive did credit repair and talked to consumer.