davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 unit 50 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (ME)

Equifax will not allow lenders to access my credit report. In particular, they are returning a null response to XXXX XXXX XXXX XXXX which has caused me to be denied for a checking account and placed a limitation on my savings account. Equifax claims there is no hold on my report, but this has not resulted in them accurately reporting my information to XXXX. This is despite the fact that the information submitted in the application is accurate and up to date.
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (NY)

I am XXXX and have multiple life altering XXXX. 
In XXXX, I was notified that I was awarded a {$95000.00} HAF grant from NYS to help reinstate my mortgage. The arrears were less {$90000.00} at the time of my HAF grant approval. The servicer, Selene Finance, refused to correspond with the HAF representatives or return their phone calls. This lasted over XXXX months. 
In XX/XX/XXXX they withdrew the foreclosure action in court only to refile it months later adding more money to the balance. 
These additional months caused my arrears to become almost {$130000.00}.

So I applied for a modification of the {$30000.00} balance using the HAF grant as a credit. But they would not approve it as they used the entire arrear balance and would not acknowledge the HAF money at all.

The additional unpaid months that were added to my balance includes a large amount of " miscellaneous '' which I believe was to deliberately raise the amount I owed to keep me financially ineligible to reinstate my mortgage. 
Because XXXX would not consider the {$95000.00} HAF grant credit and refused to cooperate with HAF representatives, my grant was withdrawn by HAF at the end of XXXX. 
On XX/XX/XXXX I have submitted another modification request asking to approve a short sale of the house instead of foreclosing but XXXX has not responded.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-04-29
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. (TN)

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 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. 16815-2 ( 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. 

Also I have observed discrepancies in the reporting of the same account by XXXX and Experian. XXXX lists the account status as open, while Experian reports it as closed. This conflicting information is causing confusion and potentially impacting my credit score unfairly.

Furthermore, there are discrepancies in the last activity dates reported by XXXX and Experian for the same account. XXXX 's last activity date is listed as XX/XX/XXXX, which appears to have been re-dated, while Experian shows the last activity date as XX/XX/XXXX. These inconsistencies raise concerns about the accuracy and reliability of the information being reported by XXXX XXXX.
Consumer complaint received 2024-04-29
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. (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. 

Account Name : XXXX XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2024-04-29
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. (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  XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number:XXXX has violated my rights . Or a 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 2024-09-10
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. (CA)

I am asking for your assistance regarding this incorrect account showing on my credit report. This issue has affected my reputation, and I need your help. Your mishandling of my credit report has caused significant harm due to the false reporting. You must eliminate this incorrect information from my report.
Consumer complaint received 2024-04-29
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. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

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 XXXX out of XXXX 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 2023-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bright Capital Inc (OH)

have been dealing with this issue since XX/XX/19. I never hit continue or agree to any of the charges on the app. As soon as I realized there were fees attached I exited the app and deleted it, however I was still charged the XXXX after I had cancelled the subscription
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

Hi, so this is what happened - upon checking my report, there are credit inquiries on it that I am unfamiliar with. I don't remember about any of these and I did not authorized/consented to these companies in pulling up my report. This is absurd it's making me anxious.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc. (WY)

I went through a debt consolidation company, XXXX XXXX XXXX, to help settle my debt and make payments on my behalf, which they did. 
When the final payment to XXXX XXXXSST was made in XXXX of XXXX, I had requested a letter of satisfaction for my credit report, I was told they would not send one out until the last payment was processed in about 30 days. When I did receive the letter, it had sentence in there that said " if any payments are returned collections would resume ''. I requested they remove that sentence, but they refused, stating that it was auto generated. 
I requested they update my credit report, which they have not done. When I disputed the report they removed all notes and changed they amount owed, it now looks like I made no payments and still owe over {$5000.00}. 
I disputed this twice, and have had no luck with them adding a statement that says, " this collection was paid in full as agreed to through a settlement. '' I have provided all the documentation I could get, but I am unable to get a copy of my settlement agreement through XXXX XXXX XXXX.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (CT)

I want to report them for their incredibly poor customer service and the number of months I've tried to resolve fraudulent charges. 
Fraudulent charges appeared on this card in early XXXX. I have never used the card so every purchase ever made was fraudulent. I disputed all charges which were credited back to my account over a few months. A new card was reissued in XX/XX/XXXX and new fraudulent charges appeared. They allowed a XXXX subscription to renew on the new card. 
Again, called to dispute the new charges and requested they close the account. I was told they could not close the account until the charges were settled. And, that it may take up to 60 days to investigate. 
In the meantime, late fees and interest charges occurred each month and they were threatening to report to a collection agency. 
I have spent hours and hours each month to get these resolved. As of today, they still reported disputes under investigation since XX/XX/XXXX. 
After 1+ hours today and speaking with three representatives who I could barely understand, I'm told they will have reversed all charges but I won't be able to see that for 3-5 days.

I have to assume their systems are live and that these reversals should be visible online immediately. 
Something needs to be done. This has to fall under some kind of law which protects XXXX  ( XXXX XXXX XXXX  ). I was very close to just paying the balance to make it go away. Instead, I spend hours each month getting passed around. I was told today that I couldn't speak with a manager because they couldn't help me. 
The last agent ( work ID XXXX ) assured me the account would be credited to a zero balance and it would be closed.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (WA)

I have been wrongly been charged with a late fees of {$28.00} by Synchrony bank for a billing of the month of XXXX. Upon realizing that, I contacted my bank XXXX XXXX XXXX XXXX that confirmed that payment XXXX billing was indeed processed. 
I copied the statement from my online banking statement to send Synchrony bank as a proof but that wasn't enough to waive the late fees. 
I subsequently been calling for over 5 days and was connected to customer service to whom I reported the discrepancy but nothing was done. 
In XXXX I noticed {$210.00} was again on my account instead of minimum payment of {$95.00} to which I protested and requested for a waiver because of the difference in adjustment I asked for so I can combine 2 billing payments on same date XXXX of every month. To avoid discrepancy I requested to talk a manager and both managers on the phone were so bullying and rude pushing blame down my throat. 
XXXX and XXXX ID XXXX are bad for the future of synchrony bank because looking at my records I have been up to date with my payment without problem but they refuse to understand the adjustment and failure of synchrony bank to process billing on time is the cause of this not me. 
My records show perfect payment. 
I need this bullying of consumers by banks charging late fees at will without due diligence to stop and managers held accountable. 
Thank you.
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc (SD)

On XX/XX/XXXX I received a letter from a third party debt collector by the name of The Best Service Company from XXXX XXXX California. 
It states I owe XXXX from XXXX XXXX XXXX XXXX. 
To this date I have no knowledge or admittance of ownership of this debt. 
It states it was from XXXX and it states they are charging a additional XXXX in interest. 
I also checked with XXXX XXXX if this debt was listed with them, it shows nothing in their system.
Consumer complaint received 2022-06-06
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: JPMORGAN CHASE & CO. (AR)

I got emails from these companies and noticed that my credit file was locked at the time of these inquires. I tried disputing this with both companies as well as the credit bureaus. They keep referring me back to each other. I havent had an inquiry on my account since 2021.
Consumer complaint received 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (NJ)

There's an account showing up on my credit which the name of it is kickoff a type of installment loan that has that is not my account I am the victim of identity theft I have disputed this put a report and I would like to know how was this reported that it was mine the name of the account is kickoff LLC the open date was XX/XX/year> it's reporting on XXXXXXXX XXXX XXXX XXXX I sent an information for them to return a result on how the investigation came about I never received any more information
Consumer complaint received 2023-06-26
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: CAINE & WEINER COMPANY, INC. (NJ)

n 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 XXXX XXXX # XXXX {$1100.00}, Account name : XXXX XXXX # XXXX, 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 2024-05-18
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. (IL)

According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.
Consumer complaint received 2024-05-18
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. (TX)

PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CO)

I received a voice mail this morning that requested I contact the following number ( XXXX ) XXXX ( File # XXXX ) regarding a summons that I failed to respond to. However, I never received a summons. I called the number and spoke to an individual ( XXXX XXXX ) who indicated they represented a firm by the name of XXXX XXXX. They transferred me to a guy who indicated that I failed to pay $ XXXX Chase Credit Card balance. Ive never had any Chase account of any type. I told this guy that, and he responded caustically, and abruptly indicated that he would see me in court. I thoroughly believe these individuals were Phishing. I never gave or provided them any information. Also..Ive never received any correspondence from Chase indicating that this debt was owed. Your assistance is greatly appreciated.
Consumer complaint received 2023-04-14
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.