davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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. (KS)

XXXX 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 a account without my written instructions.
Consumer complaint received 2018-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

My previous mortgage ( XXXX ) was purchased and transferred to another mortgage company, Freedom Mortgage ( FM ), on XX/XX/XXXX. They lost my first-month payment check ( {$1900.00} ) during the business transaction. I kept calling their customer service to search for help on the second month, XX/XX/XXXX. I made a lot of phone calls ( Agents XXXX, XXXX, XXXX, XXXX etc. ) and they had no help. At the third month, my bank told me that check didn't cash out for 3 months and they had stopped payment. At the period of time asking help from Freedom Mortgage, I still keep paying my regular monthly payment ( {$1900.00} ) on time.  My bank ( XXXX ) also issued a letter of Good Faith to FM. However, FM still reported to 3 credit agencies to damage my credit scores and charged a fee ( {$15.00} ), due to the delinquency of my mortgage, which I didn't. On XX/XX/XXXX, Freedom Mortgage sent my so called 'Escorw analysis ' to me and ask me to pay extra Escorw payment ( {$880.00} ) either pay in full or split into monthly payment ( {$1900.00} ). I don't like change my regular payment. So I paid in full of Escrow payment ( {$880.00} ) with regular mortgage payment ( {$1900.00} ) on time in XX/XX/XXXX. Then, they miss calculated my whole account and want me to pay for more than double monthly payment with late fee ( {$4000.00} ) by the end of XXXX. Even though I called the customer service to get the correction, they still want to pay some extra money by the end of this month. Otherwise, the customer service agent warned me that they will report to credit agencies again. Every time they messed up my account, they charged extra fees ( {$15.00} ). I don't want to pay for their mistake, but they tried to use the Escrow payment to cover them now. I think it is the wrong way to use my Escrow account. Now, I see my account is totally messed. It showed that I didn't pay for my Escrow account and my Escrow payment was used to pay for something else, I still am charged for higher monthly payment ( {$1900.00} ) for my next payment and couples of extra fees. I feel I was mistreated by this mortgage company and try to search for help and advises. It is no help to call Freedom Mortgage customer service. I tried to contact 3 credit  agencies to hold or correct my record and no positive responses. I can provide my more details of bank account, regular payment, and their messed mortgage statements as evidence. Thank you for help
Consumer complaint received 2020-09-11
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. (TN)

I first noticed fraudulent inquires on my report with all 3 bureaus in XXXX of 2020, I promptly contacted my local police department and filed a police report for fraud. Report number ( XXXX ) XXXX Police depart located at XXXX XXXX  XXXX XXXX. XXXX TN XXXX. I then sent proof to all 3 bureaus and still nothing while this is going on a fraudulent medical bill occurs on my file while I am in the of buying a home. I contact the company ( XXXX XXXX ) account # XXXX and a representative and several supervisors confirm that I don't have and account and that the information is reporting wrong with XXXX  and XXXX. I have all the documentation I need to prove that these inquires and collection account are fraudulent, but I cant seem to get any help, I've also filed an FTC Affidavit.
Consumer complaint received 2023-05-09
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. (TX)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XX/XX/XXXX
Consumer complaint received 2023-11-29
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. (TX)

XXXX XXXX XXXXr account XXXX XXXXXXXX amount {$8900.00}, date opened XX/XX/XXXX, remove " XXXX XXXX received deed for collateral in lieu of foreclosure on a defaulted mortgage and late payment remarks '' XXXX ( Original Creditor : XXXX XXXX XXXX  ) account no. XXXX amount {$1100.00}, date XX/XX/XXXX, remove Collection/Chargeoff placement for collection and negative Derogatory remarks from my account. 

ACCT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account no. XXXX, amount {$880.00} date open XX/XX/XXXX, remove Derogatory collection remarks XXXX XXXX account no. XXXX amount {$3000.00} date opened XX/XX/XXXX, remove Collection/Chargeoff placement for collection and negative Derogatory remarks from my account, Charged off as bad debt Purchased by another lender. 

Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 In accordance with the Fair Credit Reporting act XXXX  Account XXXX listed above, 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 2023-12-13
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. (NH)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX
Consumer complaint received 2018-09-05
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: Manhattan Beach Venture, LLC (SC)

Applied for a loan in XXXX, received a credit report stating I had three months of pass due payments for about {$360.00} for XXXX, XXXX, XXXX on my credit report. I made a call to XXXX XXXX about the information. They told me I didn't do my recertify paper work. I told them I didn't received anything in my inbox, or mail. They said it was my fault, and they can't change the information. I put in a complaint to the credit bureau, and they maid contact, and was given information stating that XXXX XXXX disagree with my complaint. I just recent applied for a mortgage and it is still on my report.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 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 XXXX
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MD)

This is a two-fold complaint. First, With Wells Fargo. On XX/XX/XXXX I started working for a new company called XXXX XXXX XXXX. I was to XXXX XXXX  with my Credit Card and get re-imbursed through a WF account that I would have the routing and account number too. I never received a statement so could never verify the actual account. After making my first submission for repayment of {$2300.00} on XXXX my Bank, XXXX, within one day XXXX would tell me the funds were " RECEIVED AND CREDITED '' to my account and the new balance was XXXX. I was then free to go buy more goods as I was supposedly " paid in full. '' On approximately XX/XX/XXXX this was returned. On approximately XX/XX/XXXX I charged {$9000.00} on my VISA ending in XXXX and on the XX/XX/XXXX the check was returned UNPAID. I resubmitted it to the Wells account and it was returned again. This has happened six times now and all the money is on my CC one card for {$20000.00} and another for {$28000.00}. BOA says it a fraudulent account and that the account info was not the company I worked for but rather a stolen account of a wealthy individual who may not notice this charges until an auditor finds them and reverses them EVEN IF THAT IS 4 MONTHS AFTER. How can a bank, WF, allow anyone to withdrawal money on an account that is not there's? How can XXXX tell me my account is credited and then return the funds weeks later?
Consumer complaint received 2018-09-05
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation (TX)

in Late 2012, Performant called me at my job ( XXXX XXXX XXXXXXXX XXXX - EXXXX XXXX  ) on the main XXXX XXXX phone. They asked numerous XXXX, XXXX and other coworkers who I was and where they could find me. 

I had no idea collection companies could be this abusive, and I paid them {$750.00} that they said would be applied to my student loans.
Consumer complaint received 2018-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

I have disputed this account with XX/XX/2018, XX/XX/2018, XX/XX/2018, requesting they provide some type of application, or signed security agreement showing that this medical bill belongs to me. They continue to provide the contact for the hospital, in which the hospital billing department was not helpful. I have sent written letters to the collection company and called the hospital contact that was provided. The amount of the alleged debt is {$830.00} ; also in which I have not been to NO HOSPITAL or received any MEDICAL CARE.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-09
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. (TX)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$270.00}, XXXX XXXX Balance : {$190.00}, XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00}
Consumer complaint received 2023-12-13
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 recently received a copy of my credit report and noticed that there is anunauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove this inquiry immediately. 
XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-02-27
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. (CA)

I am writing to report the inaccurate and inconsistent information that XXXX and Equifax have reported on my account with the DEPARTMENT OF EDUCATION Acct # XXXX. Despite my multiple notices of disputes, they have failed to correct this information, which is in violation of the Fair Credit Reporting Act & 15 USC 1681i.

According to 15 USC 1681i Experian and Equifax shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They have failed to do so. 


I have noticed significant discrepancies in the information that they both have reported on this account. Specifically, they both have different open dates for the account, the original balance differs, payment history, and the term length for the account is inconsistent. Lastly after disputing theyre supposed to update the account asDisputed by consumer in which they did not. I am entitled up to {$1000.00} per violation per the FCRA. 

These inaccuracies have caused significant harm to my credit score and have made it difficult for me to obtain credit. Despite my multiple notices of disputes and requests for corrections, they have failed to update the information on my account. 
Therefore, I am requesting that you take immediate action to delete the account on my credit report with the DEPARTMENT OF EDUCATION for multiple violations. 

There failure to comply with this request will leave me no choice but to pursue legal action to protect my rights and seek compensation for any damages that I have suffered as a result of their violations and poor practices. 

Furthermore, I expect to receive written confirmation of any actions taken by both XXXX and Equifax to correct this matter. I have also filed a complaint to the XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. Evidence provided below.
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (TX)

Previously, I filed a CFPB complaint XXXX against JP Morgan Chase for their illegal theft to my personal checking account. In response, JP Morgan Chase filed a letter of complete and blatant lies claiming that I had NSF 's due to my own fault. This filing by JP Morgan Chase provided to the CFPB was also sent to The XXXX XXXX XXXX. The XXXX XXXX XXXX doesn't represent me in my filed CFPB complaint ( see above ). The XXXX XXXX XXXX, was NEVER mentioned in my filed complaint with the CFPB as my legal representatives. Nor was JP Morgan NOTIFIED by me in any way that I was being represented by the XXXX XXXX XXXX in my filed CFPB complaint. Therefore, JP Morgan continues to violate my Civil Rights by releasing my private information to the XXXXXXXX XXXX XXXX. I can " only '' assume that it was JP Morgan Chase 's way of notifying me that they were aware of the XXXX XXXX XXXX  representing me in a separate matter that doesn't include my filed CFPB complaint. JP Morgan Chase continues to illegally practice DISCRIMINATION/HARASSMENT/RETALIATION against me and my personal Chase account ( which isn't a joint account ) by illegally changing my personal PIN number ( that was recently changed in XX/XX/2018 ) and by accumulating and holding my deposited funds. I totally disagree with the previous responses provided by JP Morgan Chase concerning my filed complaint ( listed above ) and their intentional violation of my privacy to the XXXX XXXX Firm. It is a fact, that JP Morgan Chase was intentionally causing NSF 's to my personal account by stealing monies from my account to pay a debt that belong to another person. That persons debt, doesn't and didn't involve me. Any and All supportive documentation will be FAXED to the CFPB for the specific use of the CFPB ( NOT, JP MORGAN CHASE ) OR  THE XXXX XXXX XXXX.THE END!
Consumer complaint received 2023-11-29
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: EQUIFAX, INC. (CA)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-05-09
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This has been going on since 2007 and is currently going on now. This has been going on for over 14 years. I owed a debt for a XXXX XXXX XXXX XXXX that I VOLUNTARILY TURNED BACK INTO XXXX. XXXX XXXX THEN turned it over to PORTFOLIO RECOVERY ASSOCIATES. These people have harrassed me on my mother 's phone which she passed away from XXXX XXXX. They have repeatedly sent letters. Recently, some lady called me and read me all of my information including my whole SS # and also told me she worked for law enforcement and that they are suing me in the county in which I live in GA. She was very RUDE, OBNOXIOUS, BELLIGERENT TO ME, CUSSING ME OUT, CALLING ME A LIAR, THREATENING ME AND THEN SHE STARTED YELLING AT ME AND HUNG UP IN MY FACE. I HAVE SINCE BLOCKED EVERY NUMBER I CAN THAT I KNOW IS HER WHEN I HEAR HER VOICE. I asked her several times to stop talking to me like she is crazy and she tells me that she is taking out a warrant on me as well.
Consumer complaint received 2018-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ABR Recovery Services LLC. (CA)

ABR Recovery keeps reporting the same time barred debt on my XXXX Credit report I have disputed several times and XXXX says they verified it was mine and leaves it on my report ABR recovery changes the open date and account number so that XXXX claims it not to be a duplicate Debt. This is a XXXX account that has has no payments made previous to XX/XX/XXXX. That is the last email confirmation I received from them before the debt was charged off so obviously payments were not being made months previous to this date. I have contacted ABR and they refuse to remove the Debt even when I sent them proof thats its time barred and they can no longer report. ABR Recovery claims they do not have to follow California 's guidelines. I have asked for proof that this is a new debt as they are reporting an open date of XX/XX/XXXX and XX/XX/XXXX and they do not provide anything because they don't have it. XXXX at ABR recovery even admitted over the phone it was a old XXXX debt. ABR also admitted they changed the dates to current dates to be able to report in hopes to get some money. My other credit cards are decreasing my limits and I can not refinance my house to pay my medical debts from XXXX XXXX do to ABR Recoveries incorrect reporting of this time barred debt. It is crucial that this gets taken care of correctly