davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
Product: Credit reporting 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)

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 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 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 XXXX  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 2018-08-09
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (IL)

on XX/XX/18 XXXX XXXX from XXXX XXXX XXXX contacted my place of employment. He was informed that personal calls are not accepted. He must contact me outside of my place of employment. He then informed the person that answered the phone that " Some of my personal information got out and he is working the issue '' He then asked them to provide me with callback information. 

on XX/XX/18 He called back He then spoke to XXXX. He also advised XXXX that my personal information got out and he is trying to clear it up.. She told him that she does not work in the same dept and she could locate me and transfer him.tomy voicemail. He refused to be transferred. She stated that he was extremely persistent and would not get off the phone until she took down his information.so she did. 

on XX/XX/2018 He called back. He spoke to XXXX who informed him that I did not work in her department and she could not locate me in the directory. She does not believe I work for the company. He continuously stated I did, He quoted to her what he believed my Job title was. She informed him several times she could not locate me in the directory and did not believe I worked there. He then stated that is not what XXXX told me yesterday. He refused to get off the phone without her taking down his information. She did after hanging up he called right back and asked for XXXX.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-10-12
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. (MA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I applied for an XXXX XXXX yesterday XX/XX/XXXX and was automatically denied. 

The emailed report had false credit scores. 

My score is around 450+ while the denial application shows 300s. 

The department supervisor for the XXXX XXXX division mentioned nothing could be done regarding my credit worthiness and proceeded to defy federal law.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OH)

I placed an online order for a couch on Ashley Furniture 's website XX/XX/XXXX but at the end of the transaction the confirmation page listed the color brown but I ordered taupe. The purchase total was {$1900.00} and put on my Ashley Advantage credit card financed through Synchrony Bank. I telephoned Synchrony Bank at XXXX XXXX XXXX XXXX  ( 2 hours later ) to explain the situation and completely cancel the online order, stating I'd visit the local store instead. I spoke to a male representative with a heavy XXXX accent and was guaranteed all was cancelled, " no further action needed. '' No merchandise was delivered due to the Vance of this order. However, in looking at my credit reports on XXXX XXXX it showed a balance of the {$1900.00} owed to Synchrony Bank for Ashley Furniture credit card. I've lost count of how many times I've disputed this charge! They continue to insist I owe-without explanation or proof and the disputes get closed. In fact, 1- they said I stated " fraud '' at 1 point, closed the account and sent me a new card- of which I never activated! That account number now has the {$1900.00} on it! The last call I made to Synchrony was yesterday XX/XX/XXXX. I asked the status f my last dispute and they said it would be 60-90 days and that I just " re-disputed by phone to them 2 days prior, XX/XX/XXXX! I DID NOT CALL OR COMMUNICATE WITH THEM 2 DAYS AGO!!?? In addition, my credit reports are showing PAYMENTS HAVE BEEN MADE ON THIS ACCOUNT WITH COMMENT - PAID AS AGREED.. 
I never pay d them a dime for anything because I received nothing! Isn't that FRAUD??! 
We are going on a year and I'm getting nowhere with them! XXXX also filed a dispute on my behalf following my call to them for assistance. No explanation or proof of receipt of goods has ever been presented! I said come! I still don't have furniture!!!
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Tonight, I was completely taken aback when I saw inaccurate accounts on my credit report, and I have no clue how this happened. I routinely check my credit report, and everything was normal until today when these discrepancies just appeared out of nowhere. I even tried refreshing my browser, thinking it might just be a glitch, but the inaccuracies didnt go away. Because of this, I'm asking for a thorough review of the documents I've sent so I can stop worrying about this issue.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Account reported later than 30 days and the payment was made on time since the payment was automatic. The company never communicated and reported the account at the latest in payment. There is inaccuracy in the reports. Opening day and payment days. Please request that the situation be resolved and the account be deleted.
Consumer complaint received 2024-09-11
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX CT GA XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-10-23
Product: Credit reporting 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. (FL)

XXXX XXXX, Today is XX/XX/year>. 

XXXX 's servicing company 's response letter to my complaint is totally unacceptable. 

1. My wife XXXX 's bankruptcy was declared more than 10 years ago. It should not be affecting her today. 

2. I believe that XXXX servicing company is dealing in bad faith and engaging in unfair business practices. 

3. I need for CFPB to contact XXXX CEO, XXXX XXXX who is the owner of my mortgage. XXXX is just a servicing company who has a very shady reputation. They need to report my mortgage payment history to my credit bureaus. 

4. Am I being discriminated against because I am XXXX, a XXXX Veteran or is it both? 

Please assist me in getting this issue resolved in a fair and acceptable manner. Thank you. 

XXXX XXXX XXXX.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$130.00} ; XXXX XXXX Balance Owed : {$7600.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting 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)

A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the regulations governing the collection, distribution, and use of consumer credit information are not followed. The FCRA mandates that consumer reporting agencies ( CRAs ) use reasonable procedures to ensure the accuracy of all information in credit reports. If a consumer experiences harm due to an FCRA violation, they may have the right to file a lawsuit against the CRA, seeking compensation for actual damages, statutory damages, and attorneys fees. The accounts listed in my letter are inaccurate, and I am requesting a thorough investigation into these errors.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NH)

Expperian is the only one that I have been able to work with. Most is ID theft but I can not know on a few things still not resolved. The two phone numbers that I just removed one was mine but I had a lot of issues so even trying to port it from XXXX to another carrier because it would not come in in the area the XXXX XXXX before new carrier it was fine at XXXX XXXX XXXX but it was not able to be ported. I did try to in XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX zip code is not correct but the whole residential part is the same XXXX XXXX, XXXX XXXX, and present XXXX all XXXX. 
Again on XXXX XXXX XXXX central square terrace it never belonged to me. The mail was not the same as the apartment also noticed XXXX residence which I never lived. The other telephone number I do not remember ever having. So I did start to correct the report but it is still unclear. I did have a post office box in XXXX XXXX  but I cant know which one it is. I otherwise while in the area had resident type mailbox outside. I have been looking for the XXXX XXXX XXXX XXXX. Under given name. I actually had an apartment in a different city but they apparently used the same post office. If the XXXX XXXX XXXX XXXX is ID theft. I did follow experian to come here. I am still trying to correct what I know is not accurate or may not belong to me or Could not fix. But above I am as best I can know did have at least one phone number that I had could not afford all and at the time adding a {$500.00} phone so it should have ported. Something didnt work. I couldnt save it if it was my number. I am not sure if it even was the same number.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Ive identified accounts and inquiries on my consumer report as a result of identity theft. These to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity items are not related to any transactions made by me. Ive tried to contact the companies directly.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 2018-08-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

Our mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage. We had started a home modification with XXXX XXXX XXXX and, in XXXX when the transfer took place, we were two months behind on the mortgage but all that was left was to be approved by the underwriter. 
A month later, we've had no contact from Carrington Mortgage except for them to request the same information we'd already submitted to XXXX XXXX XXXX. We finally get that fiasco straightened out and they set up the modification for our home loan. We were told that we'd make a payment in XXXX, XXXX and XXXX and be able to skip the XXXX payment and start again in XXXX. 
We dutifully make our payments and, suddenly, now we're being told that we have to continue making payments until the modification is approved by the underwriters. This is on top of our credit report now showing we're 90-120 days behind on our mortgage which has impacted our daughter 's ability to obtain financial aid for college this year. 
To make the situation even better, after making our required three monthly payments, in today 's mail we received a notice of Intent to Foreclose. I understood that any foreclosure action was put on hold while the modification process was ongoing. Apparently, Carrington Mortgage 's vision and mission statement involves lying to their customers. We were told multiple times that we would be able to miss the XXXX payment, only to be told that we need to continue making payments until the underwriter approves the modification. We started out being two months behind on our mortgage only to end up with our credit report showing we're 90-120 past due because Carrington and XXXX  XXXX XXXX couldn't communicate which not only impacted us, but also our daughter 's college aid. We were told foreclosure actions would be on hold while the modification was going only to receive an Intent to Foreclose. 
Absolutely nothing we've been told by Carrington Mortgage has happened the way they assured us it would. This modification was almost finished with XXXX XXXX XXXX in XXXX and it's XXXX and we're still trying to get this completed.
Consumer complaint received 2018-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc. (KY)

Ive contact National Credit Management on different occasions to delete an account on my credit report that is not mine. The first time I contact them via mailing in regards to validating the debt they failed to mail me copys that verify this debt as mine. They only decreased the debt from {$90.00} to {$70.00}. I recently filed a complaint and their only response was to close the account and return it to XXXX XXXX University.
Consumer complaint received 2018-08-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (VA)

XXXX 's fraud bills caused my husband 's XXXX XXXXXXXX XXXX. He is useless person. A life has been destroyed by greed? our gov't can't do anything about it!!!?? They all say they don't have teeth what's point? reminds me famous saying - When united states system fails XXXX ( XXXX ) will be there!. 
I paid my final bills with proof XXXX but XXXX still kept generating bills, send collection agency. I called collection agency demanded their business licences and insurance info they refuse to do so. Every phone company records the conversation, NSA does, so does the XXXX. How a poor person can get justice?
Consumer complaint received 2018-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED COMMUNITY BANK (GA)

On XX/XX/2018 XXXX XXXX transferred a total of {$170.00} out of my bank account without my authorization, thus committing bank fraud. The amount consists of three transactions with the first in the amount of {$4.00}, then again Ten minutes later for {$4.00}, and last {$160.00}. All three transaction detail provide a phone number XXXX, however, the number is only for their members & you have to login to you account to receive a code in order to bypass the automation. Because I did not see these transactions until the following Sat. I could do nothing to stop them, as my bank is closed on the weekend, I did report my debit card stolen and was advised that is was my debit card number that was used to in all three transactions, not my actual bank account. I also was advised that the money was transferred using a cell phone app, XXXX XXXX, and it appears to have been transferred using an email address. That's all I could get from my banks debit card hotline #. 
I immediately contacted XXXX via their customer support email, ( b/c there is no known telephone # ) and although there has been some response, nothing that is of any use or helpful. 
Early in XXXX I had to place a fraud alert on my credit due to suspected ID Theft, this fraud prompted me to check, and upon checking my credit report I realized I am not only a victim of Bank Fraud but ID Theft as well. 
Based on the XXXX XXXX, & XXXX XXXX XXXX Terms & Conditions, they should have validated this account & their Registered user. Had they done this as per their terms they would have been able to identify that this debit card did not belong to their member, or was it authorized to be used by their member. 
If they do not currently have security provision in place for the XXXX XXXX, then many Americans are & will continue to be at risk. 
XXXX this and there are many Americans that have been victim to XXXX XXXX debit card fraud, over the past few years, AND NO ONE IS STOPPING THIS COMPANY, they are allowed to transfer money using a cell phone, tag name, debit care # & email, where is the security? 

I filed a police report & the investigator advised me that he is familiar with XXXX XXXX, my little town, that's terrible. But even more I have been treated like a criminal, I'm completely broke, I'm unemployed, and have to wait 10 days for my bank to return the stolen money.