davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
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. (UT)

XXXX XXXX XXXX and XXXX XXXX XXXX are in violation of my consumer rights by double charging for the same account and by double reporting the same account to third party agencies and also by sharing my information without my consented written approval. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliate third party any non public personal information, unless such a financial institution provides or has provided to the consumer a notice the complies with section 6803 of this title.

Opt out ( 1 ) In general A financial institution may not disclose non public personal information to a non affiliated third party. Unless ( A ) Such a financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title. that such information may be disclosed to such third party. 
( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. 
Limits on reuse of information Except as otherwise provided in this subchapter, a non affiliated third party that receives from a financial institution non public personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is non affiliated third party of both the financial institutions and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
Consumer complaint received 2023-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (TX)

I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC
Consumer complaint received 2023-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (CA)

I sent a debt validation letter to this company to verify 2 debts on XX/XX/23 and have not heard back from the company. I sent these letters via USPS Certified Mail and it was delivered XX/XX/23 at XXXX.
Consumer complaint received 2022-02-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (FL)

* on XX/XX/2021 I applied for a re-finance to my existing mortgage with Flagstar Bank ( loan XXXX ) with some additional cash out to cancel credit card debt. total loan was for {$140000.00} agains the equity of my home ( appraised at {$530000.00} ) .I got a loan estimate and a conditional approval letter as of XX/XX/XXXX and XXXX ( attach XXXX and XXXX ). I was given a new reference for the new loan ( XXXX ) and a interest rate of XXXX locked until XX/XX/XXXX attach XXXX * As underwriting for the loan progressed I provided the required information for their processing. I got also letter from XXXX XXXX indicating that they were handling Title insurance and loan closing. ( attachmen XXXX ) All seemed to be on track and I got a letter of acknowledgment on XX/XX/XXXX ( over 60 days from my initial application ) that all was in order and that final approval was inminent. ( See attachmen XXXX ) * Around XX/XX/XXXX however I got a phone call from loan officer XXXX XXXX indicating that my loan had been declined. I tried to find reasons for the declining and only was told I was not qualified. No documents, no letters and no emails were sent to me with detailed information on this declination, I tried to communicate with loan officer and supervisors of Flagstar several times on days ahead to no avail, On my loan portal however, the status of the loan was of : '' Conditional Approval '' with the rate still locked until XX/XX/XXXX After complains to Flagstar loan department I got email 7 days ago indicating that some one was going to communicate with mi, but to date I have not received any call from then, nor any detailed reason for the loan declination ( see attachmen 4 ) .To date, status of loan is of conditional approval, ( se attachment 4 ) but rate has been unlocked ( attachment 5 ) which was not suposed to be done until XX/XX/XXXX ( attach 5 )
Consumer complaint received 2022-02-08
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. (NY)

XXXX XXXX XXXX is reporting closed accounts as active with missed payments. The accounts attached to this complaint are not open. They are being reported on XXXX as though they were open.
Consumer complaint received 2022-02-08
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. (IL)

There were several accounts that i disputed on my credit report. They were either not my accounts, or were reporting incorrectly. I sent the dispute in to XXXX and Transunion. I asked to give me the information received from the companies that were contacted to verify that these were my accounts. I received nothing back from the credit bureaus but the accounts were verified to be mine. I then sent another method of verification letter to XXXX and Transunion. The same results, verified but they did not tell me how and by who it was verified. On XXXX the accounts were, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX which shows twice but are the same account and XXXX XXXX XXXX. On Transunion the accounts are XXXX XXXX XXXX XXXX XXXX accounts. Also on both bureaus there are inquiries that are not mine and should be removed. Every time i sent a dispute about inquiries they tell me to contact the company directly. I contact the company they tell me to contact the credit bureaus. Also Transunion has my name spelled incorrectly on my credit report.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX IS REPORTING FALSE INFORMATION ON CREDIT REPORT. 
AFTER VERFIABLE DELIVERY OF MY CERTIFIED MAI ; THEY REFUSE TO REMOVE FRAUD ACCOUNTS FROM CREDIT REPORT.
Consumer complaint received 2022-02-08
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: Credit Plus Inc (NY)

There are numerous inquiry on my report that are fraudulent. 
Here 's a list of fraudulent inquiries : Factual Data - date as of XXXX XXXX XXXX XXXX - date as of XXXX XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX - date as of XX/XX/XXXX XXXX XXXX - date as of XX/XX/XXXX 2021
Consumer complaint received 2023-04-07
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. (NY)

XXXX XXXX and XXXX XXXX XXXX is reporting fraudulent accounts to my credit file. A police report and an FTC identity theft affidavit was submitted and the credit reporting agencies refuse to remove the fraudulent accounts after receiving proof the accounts are fraudulent. I ask that the credit reporting agencies cease and desist from reporting fraudulent transactions without true verification. Police report and FTC Report attached
Consumer complaint received 2023-05-06
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. (GA)

You are in direct violation of the fair credit reporting act XXXX XXXX XXXXXXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2023-05-06
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. (AZ)

Information on report does not belong to me. I have disputed and asked for information showing accurate information and what information reporting agency recieved showing validity of account and never recieved information. I have supplied police report and report to fcra and still inaccurate addresses and accounts remain on my report with no proof of accuracy. I have supplied this information to XXXX XXXX and equifax and still no correction.
Consumer complaint received 2023-05-06
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. (IN)

My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2015-07-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (MD)

On XX/XX/XXXX, I sent through CFPB XXXX Case # XXXX XXXX, a dispute on an unrecognizable entry XXXX Discover credit card, joint account ) on my credit file that was not mine. 
After Discover 's investigation, on XX/XX/XXXX, I received Discover 's final response ( through CFPB ) which reads in part as follows : " Based upon your assertion that you were added to the account without your knowledge, as of XX/XX/XXXX we have removed your name from the account and sent updates to the credit bureau reporting agencies requesting that the account be removed from your credit files. Please allow some time for this update to reflect on your credit reports. The Credit Bureau Reporting Agencies that we report to are XXXX XXXX, XXXX and XXXX. " On XX/XX/XXXX, about 7 months later, I contacted XXXX to make sure they did what Discover requested them to do and that was to remove the Discover listing from my credit file. It was not done. To find out why it was not removed, XXXXat my request, XXXX sent my dispute reinvestigation request to Discover and Discover responded XXXX via XXXX XXXX which reads as follows : " We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. " I do not know what 's going on here. The Discover letter XXXX dated XXXX/XXXX/2014 ) I received and the Discover representative assigned to investigate my dispute through CFPB case # XXXX, that the case was closed ( desired resolution in my favor ) and that Discover has removed my name from the account and sent updates to the credit bureau reporting agencies requesting that the account be removed from my credit files. 
So with all that being said, why is Discover saying that the account belongs to me when they stipulated in the closed resolution letter dated XX/XX/XXXX enclosed, that they had taken action to remove my name from the account and so forth as stated above. 
There seems to be communication problems within Discover for the reason this action should have been taken care of months ago. ( removing my name from account and XXXX removing Discover listing from my credit report ).
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

The XXXX medical collection items date back at least XXXXfive years and may even be an illegal attempt to collect a bankruptcy debt, again. These VERY small debts {$20.00}, {$20.00}, & {$40.00} were paid directly with the creditor after appropriate corrections were made. Any outstanding debt is absurd since I 've paid, on a timely basis over {$10000.00} in other medical debts since 2011 alone.
Consumer complaint received 2019-06-23
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: CAVALRY INVESTMENTS, LLC (OH)

THIS IS THE THIRD TIME I HAVE FILED A COMPLAINT OVER ACCOUNT THAT WERE OPENED IN MY NAME. SOMEONE HAS BEEN USING MY NAME AND ID SS CARD TO OPEN UP ACCOUNTS FOR CREDIT I HAVE NOT PHYSICALLY LIVED AT XXXX XXXX XXXX XXXX OH XXXX FOR OVER 5 YEARS. I AM NOT SURE WHO WAS USING MY CREDENTIALS
Consumer complaint received 2023-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

The promissory note for my FSA is invalid and expired per the following : 1. Student loan promissory notes Borrowers may sign a promissory note when they take out private or federal student loans. Federal student loan borrowers may sign a Master Promissory Note ( MPN ) that can be applied to multiple loans.

By signing the MPN, a student agrees to repay all loans according to the terms and conditions of the MPN. Federal student loan MPNs are currently valid for up to 10 years. 

My FSA consolidation promissory note was signed in XXXX it is now 5 years passed XXXX which was 10 years. It is now XXXX 15 years passed the date of validity. 

2. Except as provided in subsection ( e ), an action to enforce the obligation of a party to pay a note payable at a definite time must be commenced within six years after the due date or dates stated in the note or, if a due date is accelerated, within six years after the accelerated due date.

3. A promissory note is a written promise to pay within a specific time period. This type of document enforces a borrower 's promise to pay back a lender by a specified period of time, and both parties must sign the document. Only one signature is on my promissory note mine! There is no specified time or repayment on the promissory note!

4. A promissory note is valid for 3 years from the date of its execution. Post this period it will become invalid. Also read : Bill of Exchange. I lived in Virginia at the time of the signing of the promissory note XXXX the time limit in Virginia is 6 years. The note was signed in XXXX it is now 15 years past the signature date for the State of Virginia. 

5. The note must be written by hand. My Student Loan Promissory note is not hand written. The note must be stamped by revenue stamps as per the rules of the Indian Stamp Act. Promissory notes are valid for three years only. There is no limit on the amount to be borrowed for a promissory note to be issued.XXXX  XXXX, XXXX XXXX. All Promissory Notes are valid only for a period of 3 years starting from the date of execution, after which they will be invalid. There is no maximum limit in terms of the amount which can be lent or borrowed. The issuer / lender of the funds is normally the one who will hold the Promissory Note. The Department of Education is the loan holder not XXXX or Nelnet. 

The promissory note for my FSA is invalid and has expired per the above. 

Close my FSAL now!
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (VA)

On XXXX XXXX, 2016 I received pre-certification from my mortgage lender based on my credit score of XXXX. On XXXX XXXX Chase erroneously reported credit card account : XXXX with a balance of {$10000.00} and usage of 99 % of credit which resulted in a damaging drop to my credit score of XXXX. In less than 24 hours I will be going into settlement/closing on my primary residence after a week of painful negotiations, where my credit will go through a final review and display this erroneous, fraudulent, account on my profile, and I want Chase to be held liable for the potential of me losing my home, and/or no longer being honored the pre-authorized fixed rate of 3.25 % for a 30-year mortgage, which was calculated prior to the fraudulent report that Chase applied to my account. I have been on the phone with Chase for seven hours and still on the phone trying to resolve this. They first gave me an extremely hard time claiming they did nothing wrong and then admitted their error and sent me a fax documenting the erroneous report with the updated correct information, however the 3-5 business days turnaround is too long as I am closing in 24 hours. I asked Chase to then call each of the bureaus to make a physical follow-up phone call and XXXX ( who refused to provide me her last name ) at Chase 's Credit Bureau Specialist Unit Department was reluctant and rude and hung up on me. I called back and spoke to XXXX XXXX in the same unit and he was apologetic, sympathetic and helpful and did what he could to contact XXXX, but they still said it would take 72 hours to be removed and for the score to be recalculated. 
I beg of you to hold Chase accountable for this is complete injustice, fraud, and criminal. They need to contact each of the credit bureaus immediately, in physically speech to each bureau individually ( an electronic processing of 6 business days is not acceptable in my situation ) and have this account removed and request a rapid rescore from each bureau and I want physical documentation from each bureau that it has been removed and I want my rapid rescore provided from each so that I am not in financial ruin, and Chase needs to shoulder the cost of the rapid rescore not me. How can Chase be allowed to do something like this please ensure that they are penalized in some way, this is absolutely outrageous. How do banks continue to be allowed to hurt law-abiding citizens of our country without any recourse or accountability?
Consumer complaint received 2015-10-21
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (LA)

I have rushcard prepaid service there was an update about 2-3 weeks ago to the system this is still ongoing and putting a hold on their customers accounts prevented them from getting funds I 've worked my XXXX off for the past two weeks, life does n't stop because of an update bills, groceries, etc I have to go without because their systems are cheap and XXXX. This is a horrible way to do business especially with people you 're entrusting your money to, I 'm not a millionaire like the owner, plus when calling customer service the wait is over an hour plus they hang up on you go figure!
Consumer complaint received 2023-05-06
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: Experian Information Solutions Inc. (MO)

Edit Federal Trade Commission : IdentityTheft.gov FTC Report Number : ( to be generated ) I am a victim of Identity theft. This is my official statement about the XXXX 

Contact Information First Name : XXXX XXXX Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Phone : XXXX Email : Personal Statement XXXX XXXX  Accounts Affected by the XXXX Credit Card Opened by the Thief Company or Organization : the company Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Names : XXXX  Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 


XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 

* Check the box to sign your identity theft report : I understand that knowingly making false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

PreviousFinalize IdentityTheft.gov is the federal governments one-stop resource for identity theft victims. The site provides streamlined checklists and sample letters to guide you through the recovery process. 

Visit ftc.gov/idtheft for prevention tips and free resources to share in your community. 

Privacy Policy XXXX XXXX # : XXXX Under the Paperwork Reduction Act, federal agencies are not allowed to collect information from the public without a valid XXXX control XXXX. 

Create a Personal Recovery Plan Browse Recovery Steps Know Your Rights Sample Letters Warning Signs of Identity Theft What To Do If Your Info Is Lost or Stolen Credit Bureau Contact Info Other Helpful Contact Info