davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
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. (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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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 2023-04-22
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. (OH)

hello good day from pulling my credit report I notice that their are Multiple Inquires on my credit report. 
XXXX XXXX XXXX INQUIRED EXPERIAN XXXX INQUIRED XXXX XXXX INQUIRED EXPERIANXXXX/ XXXX XXXX INQUIRED XXXX XXXX INQUIRED Now I'm just finding out about the multiple Credit Inquires on my Credit Report This is the Reason my Credit Score has not changed the company involved did not get my PREMITTION TO DO THIS.

This has to cleared up Immediately and be Compensated for my LOST due to the company 's Lack of Common Laws of the People for the People not Credit company 's this has been going on for over THREE Years NOW???

The Law Clearly States 1681A, 16814B, 15USC1681N My Rights have been Violated as a US Citizen. 
Thank You
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Continental Finance Company, LLC (MA)

I closed my account in XX/XX/2023 with a credit balance of {$67.00}. was promised it would be refunded in 7 days. Just got a statement on XX/XX/2023 with the balance still being held by them. Called on XX/XX/2023, they again said they would refund the money in 7 days, still not received refund.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

We are filing a complaint regarding the decision to put our personal checking account on hold. We recently sold our home. We received the proceeds in a check made out to my husband and me, as trustees for our revocable family trust. Unaware of changes in regulations, we deposited this check into our personal checking account as we have done with 3 previous home sales. We have spent well over XXXX hours and have had 6 meetings with our local Chase Bank Personal Client Bankers as well as the Branch Manager over the past week attempting to rectify this horrible situation weve been put in. Were beginning to receive late notices for bills that we paid last week, have insurance premiums set up on autopay that cant be processed, etc. Weve had excellent credit ratings up until this debacle began last week. We believe there should be a thorough review and explanation of how and why the personal checking account was put on hold.
Consumer complaint received 2023-05-07
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: EQUIFAX, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/XXXX Credit limit {$800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1700.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

When I request to Equifax my credit report, they sent to me. Looking on it I found two discrepancies. The city incorrect and the DOB All the creditors and lenders that whose I requested different type of loans, my personal information was current. Any changes I personally reported to those lenders and creditors. 
For your information the other two credit agencies have the correct information. 
The present address : XXXX XXXX XXXX, XXXX, CA. XXXX DOB : XX/XX/XXXXXXXX  Based on Equifax : the city is XXXX XXXX DOB : XX/XX/XXXXXXXX  I spoke with several customer services from Equifax and something that it made me feel insecure with this credit agency is the fact that all of them have accent from XXXX or XXXX. None even one has an accent of American or even XXXX. Another issue is that upon my request to hem about how those changes related to the city and my DOB took place? Their answer was that most of the time creditors and lenders are the ones reporting to them changes in our personal information. How is it possible that creditors and lenders that even I do not know or never ever had a business, can report to Equifax personal information without first Equifax notifying us first if I had in the past any type of loan. When I request the names of those creditors they denied to me because according with their regulations I have first to send the photo of my driver license and social security. My answer was no because this is a fraudulent organization operating in USA with maybe main Headquarters in XXXX or XXXX. Please I request an immediate investigation because this agency is acting unlawful and also taking our personal information and send them to XXXX or XXXX for some kind of fraudulent activity. Also, I request to have the CIA and FBI to investigate this agency and their employees.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was a victim of identity theft back in XXXX  where my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life, and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I refinanced my home loan through XXXX XXXX XXXX on XXXX/XXXX/XXXX. Shortly after closing, the loan was sold to Nationstar. 

Nationstar must purchase these loans, but not assume responsibility for the legal closing documents associated with said loan. 

Per my original closing documents, handled by XXXX XXXX XXXX, my LTV was scheduled to reach XXXX % on XXXX/XXXX/XXXX, and as stated, gave me the right to request PMI cancellation. I reached out to Nationstar, only to be told that I must submit a signed document, enabling them to perform an appraisal ( at my expense ), before POSSIBLY cancelling the PMI. The cost of the appraisal was more than the PMI accrual between XXXX and XXXX %, so after sending a signed request to cancel PMI ( not the form they have on file, giving them permission to appraise property ), I decided not to pursue this further until I reached XXXX % LTV. 
According to this same closing document, I 've reached XXXX % LTV on XXXX/XXXX/XXXX. Upon speaking with Nationstar, they state I am only at XXXX %, but not eligible for automatic cancellation until I reach XXXX %. 
This directly conflicts with both my closing documentation, and the Homeowners Protection Act of XX/XX/XXXX, both stating automatic removal of PMI once reaching XXXX %. 

This is taking a considerable amount of my time, and I 'm not overly confident that Nationstar will comply with my request, stating they have a right to continue charging PMI until XXXX % LTV is reached. 

Your assistance is much appreciated.
Consumer complaint received 2023-11-23
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. (AZ)

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

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

15 U.S.C. 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166b states that a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XX/XX/2021 XXXX XXXX XXXX XXXX closed my account and turned account over to a law firm for collection in XX/XX/2021. I have been dealing with this law firm regarding this debt which XXXX XXXX XXXX XXXX now does not own. Under the FCRA two establishments can not collect for the same debt. A major violation of the FCRA. I have disputed this account with the three major credit agencies and did not get the results or relief sorted. I am now at the mercy of the CFPB to hold not only the agencies to the law of FCRA but XXXX XXXX XXXX XXXX to delete or remove this debt from my credit profile since they no longer own this debt.
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

SINCE XX/XX/2016 AN ACCOUNT OF XXXX IS AFFECTING MY SCORE WITHOUT ANY RIGHT. I AM TIRED OF ASKING THE AGENCY AND THE CREDIT BUREAU TO VALIDATE IT WITH NO AVAIL. IF THEY ARE NOT ABLE TO VALIDATED THEN IS NOT FAIR TO BE REPORTING ON MY CREDIT REPORT AT ALL. THE ACOCUNT IS NOT MINE.
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

I have loan number XXXX with New Rez Mortgage company. I have been paying my mortgage on time for several years. I signed up for auto payment to have them take out the scheduled minimum payment out of my account a few days before the due date. 

I reviewed my monthly statements and now see that they are taking payments out now earlier and earlier and back to back. I see one payment taken out three weeks early on XX/XX/2020 that is not due until XX/XX/2020 then the following day they took out a second payment almost two months before it is due. The just took a payment from my bank on XX/XX/2020 to pay the XX/XX/2020 statement ( which hasn't even been created or sent to me yet XXXX! 

These payments are not what I signed up for and should only be taken once a month the week they are due! 

I tried to contact New Rez via their webiste but the submit button does not work ( you fill out a form and then screen just dies ). I  tried calling but can't get live person. 


Thank you, XXXX XXXX
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

Good morning, I have attempted to close my XXXX XXXX XXXX credit card but the agents have been unable to assist. I initially had requested deferment as my children were needing my assistance financially. That was not the case, I am requesting " all '' my credit cards to be closed effective immediately. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/2010. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.
Consumer complaint received 2024-02-06
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: JPMORGAN CHASE & CO. (IL)

I received an alert saying JP Morgan Chase attempted a hard inquiry. I called Chase and they didnt see an application for a line of credit. This inquiry is still on my credit report and I want XXXX XXXX to contact me about this and remove the inquiry. 
Alert XXXX XXXX Alert type : pull attempt while locked
Consumer complaint received 2023-11-23
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. (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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts :. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

In XXXX XXXX XXXX XXXX  I received a statement indicating that a minimum payment of over {$700.00} was due to the charge card not declining transactions causing the card to be charged over the limit. In speaking with the representative they explained that in fact the card should have been declining but it did not. So the agent set up a payment arrangement to bring the balance down. The payment arrangement was set up for about {$240.00} however at the time of the payment instead of auto drafting the payment arrangement amount Macys debited my financial institution the invoiced minimum amount due which caused an overdraft and nonsufficient fee XXXX times for the auto attempts made by Macys ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have communicated with them about this multiple times being given the run around and not ever responded back from the email I was advised to send to XXXX. I want to be reimbursed for the fees charged from my bank in the amount of {$210.00} whether by check or credited to my credit card principle balance
Consumer complaint received 2023-11-23
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. (CA)

My information was sold and bought illegally because i was a victim of the Equifax data breach I want these items deleted from my credit resorts effective immediately. Iam attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing to remedy this issue. 
Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (SC)

This is one of many attempts I've made to alert credit reporting agencies to the fact that I've been the victim of identity theft and that I want to check some of the records in my files that the crime left behind. Any transactions involving goods, services, or money that I have made or authorized are unrelated to the documents I'm looking at. Remove any information that was allegedly obtained through fraud or extortion from my credit record, assuming no one is looking. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

After review of my credit report, it has come to my attention that there are various hard inquiries I am not familiar with. I never authorized the companies listed on my FTC report to run my credit.
Consumer complaint received 2024-03-20
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. (SC)

On or about XX/XX/2024 I received my credit report and noticed that Experian, XXXX and XXXX has violated my consumer right to privacy under 15 USC 1681 ( a ) ( 4 ) Right to Privacy & 15 USC 1681b ( 2 ) Permissible Purpose of Consumer Reports. Experian, XXXX, and XXXX has infringed upon my right to privacy and I never gave them written permission to report anything on my behalf which is in direct violation of 15 USC 1681b ( 2 ). By law it states these agency must have written permission from the consumer who it relates in order to furnish a consumer report. It's been difficult to live my life with these things on my report unlawfully. I demand the following items be removed immediately.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I am writing in regards to an issue with my Kohls credit card. It is a joint account with my husband XXXX XXXX In XX/XX/2022, I made what I believed was a full balance payment to my Kohls card. A {$21.00} charge that was posted to the account the day before my payment was not included in the balance at that time, but I believed it was. I was charged a late fee on the XXXX statement in error, as I made a XXXX payment that was greater than the minimum due. Another late fee was charged in XXXX. I was unaware of this because I am enrolled in paperless statements. I was not contacted by Kohls even though they have my correct home address, email address and mobile phone number. I only found out about the issue because XXXX XXXX sent me a message that my XXXX score had been effected. Although I am enrolled in paperless, I never recieved communication from them that my statement was available. Additionally, they offer paperless statements, but do not offer automatic payments, which prevented this situation. 

Since I was made aware, I have tried to contact Kohls on multiple occassions. I have twice waited through long holds times, only to be disconnected when I was finallly transferred to an agent. I have spoken to chat agents. On the first occassion, I was told that if I paid the {$21.00} transation, the fees would be adjusted, so I paid that amount. I contacted chat after that and was told they could not help me because my account was delinquent. 

Today we were working with a loan officer because we are looking to purchase a new home. I found out that this one issue, that stemmed from a {$21.00} transaction, has dropped out credit score by XXXX points. We both previously had XXXX XXXX XXXX credit scores and they are now in the below XXXX. This will make it very hard to get a mortgage. I am beyond devestated to be missing out on this opportunity beause of Kohls predatory practices. 

The fees associated with this issue have now accumulated to over {$140.00} since XXXX. Please keep in mind, the {$21.00} transaction was paid, per their instructions, and nothing was done to correct the account.