davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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. (LA)

So I sent a letter off on XXXX.Heres my tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report According to the Fair credit reporting act 12 USC 1681. I have a right to privacy, also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These clear violations of my my federally protected consumer Rights.
Consumer complaint received 2018-05-18
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: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX I sent dispute letter to all 3 credit bureaus requesting the removal of several items. A closed credit card account that is over 10yrs old, a charged off credit card account over 8 years old and two collection accounts that I do not owe money to and never had contracts with. XXXX  deleted all the accounts. Experian and XXXX did not, they only updated the reporting of the account. I contacted Experian and XXXX again via mail on XX/XX/XXXX. I explained to them that XXXX had deleted the accounts, provided proof of that and asked them to also delete the accounts from my credit file. Experian, updated the account again and did not remove it as requested. XXXX did the same and advised me to contact the credit card company. My complaint is that they are not required by law to continue reporting this outdated information and they ARE required by law to remove it at my request. The information I need help having deleted is XXXX XXXX XXXX on my Experian file, XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX file. Please help.
Consumer complaint received 2024-03-16
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)

I Just Recently Looked At My Credit Report Saturday, XX/XX/XXXX. I Saw Some Hard Inquiries That Did Not Have Permissible Purpose. 


XXXX. XXXX XXXX ( Bank ) / XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Hotel And Travel ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Hotel And Travel ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX Dear Experian : Please remove the bankruptcy notation from this account. I filed for bankruptcy to stop the foreclosure of my home. I did not include this XXXX account in my bankruptcy. I dismissed the bankruptcy soon after I filed it. 

I do not believe this account should be reported on my report because I did not open it up. But even if the account did belong to me, the balance is incorrect. Although the collateral ( automobile/vehicle ) securing this loan has been given to XXXX, there has been no credit to the balance. Please reduce the balance by the value of the collateral that has been returned to XXXX. 

Yours truly, XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (IL)

This collection agency is harassing me via email and never even verified the debt!! They are breaking the FDCPA!! Please deliver this CEASE and DESIST letter to them as they will just lie and deny receiving it if I mail it!! I am NOT paying them a XXXX and will sue them if they contact me again!!! Please enforce the laws!!!
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. (MO)

Yet again experian emails me there still working on the issue and 20 minutes later they close yet another complaint without addressing the issue and giving explanations that make absolutely no sense, experian stole NOW 18 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CT)

I had a joint AMEX account with my XXXX XXXX  and was settling a travel expense. I took a work trip with a coworker and paid for all expenses with the card. When it came time to do the report, I asked my employer to use a working computer, I asked for my own computer, and I asked several times for assistance. I used a mobile phone and completed the travel expense and had the report sent back with no feedback about the problem, several times. It was finally determined that their mobile program had an issue that didn't allow for " group meal '' as a reason in their drop-down menu when assigning a reason for a transaction. The program only allowed " individual meal. '' Even though the whole report was good minus this issue, the travel won't be paid for by the company. Since then, the trip has been paid for, but not the XXXX in late fees and interest. I paid XXXXXXXX XXXX XXXX on as an effort to pay for whatever tardiness I demonstrated. I believe this as an effort by the company to ruin my career by first grounding my travel, as I have a lawsuit for illegal deductions and a lawsuit for discrimination. I was promised by both my employer and by AMEX that this wouldn't go to collections or reflect poorly on my credit.
Consumer complaint received 2023-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This letter is in reply to your letter dated XX/XX/2023, in response to my complaint dated XX/XX/2023. In my letter dated XX/XX/2023, I disputed the {$850.00} debt that you are attempting to collect. Additionally, I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. 

First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you forwarded copies of monthly credit card statements. Credit Card statements are not a contract or agreement and are nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by Law. 

Furthermore, the credit card statements do not verify nor confirm my personal information. Specifically, my social security number. I received a debt validation letter from the original alleged creditor, XXXX  XXXX and as indicated in the attached debt validation letter the social number associated with the alleged debt is NOT my social security number ( last 4 ). 

I have attached a copy of your initial response, as well as the letter from the original creditor.
Consumer complaint received 2018-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (KY)

Opened a savings and checking account at Chase Bank. Was charged for a debit card. No one told me. Was charged to withdraw money out of my account, no one disclosed this. Last straw was $ XXXX/month service fee on my accounts that again no one disclosed to me. Closed account and was put in negative on 2 accounts. After I told clerk that I might have pending transactions and he said " No they all cleared '' .These accounts were only opened XX/XX/XXXX to XX/XX/2018.
Consumer complaint received 2022-12-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (OH)

On XX/XX/2022 I received a letter by fed ex from Midland Credit Management , Inc . 
Stating I owe an alleged debt to there company of XXXX. 
The company XXXX are threatening to forward this and all my information to an attorney in my state for possible litigation, if I don't respond or pay this alleged debt. I am currently sending the company a proof of validation, cease and desist, requested information and credit/debt collector declaration.
Consumer complaint received 2018-12-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Immediate Credit Recovery (CA)

XXXX in XXXX CA closed down along with all of their campuses while I was enrolled and now they are asking me to pay back the loans. The amount due is {$5400.00} which I have been going back and fourth with the XXXX XXXX XXXX XXXX to see If I could either get it forgiven seeing as I was not able to finish the program or if I could set up a payment arrangement. I sent in my last correspondence and now they are sending my account to a collections agency and they have sent me a notice that they are going to garnish my paycheck by 15 %
Consumer complaint received 2022-01-29
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 have been harassed by this XXXX, The names, not my name, the address is not mine and doesn't even exist, XXXX it, XXXX, CA... never lived in XXXX and the address is not an address for commercial or residential, a bill they sent me this month from 7 years ago after saying that I was 30ddays late 6 times on a loan that's not even in my name and not even with my signature, then they remove the 6 -30 days late and say I owe them over {$2500.00} six years later, and place this on my Equifax report when it's not been a XXXX on my Equifax in the past 6 years, all the sudden this shows up on my report. 

https : XXXX? usp=sharing
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

Over the course of 2 years, I have been going through the proper channels to repair my credit. I have requested for XXXX, XXXX and Experian to remove an account that was mislabeled as a foreclosure. After XXXX XXXX  made the mistake of reporting the account incorrectly, the bureaus took over a year to do the proper investigation. I have requested that XXXX XXXX  supply me with supporting documents and they have failed to do so and it has costed me my livelihood for my family and I. I have requested a re-investigation every 30 days since XX/XX/2022. 

I also have tracking numbers for certified letters. XXXX XXXX  will not respond and I have already lost my patience!
Consumer complaint received 2018-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelson Cruz & Associates LLC (IN)

XXXX XXXX XXXX is a collection agency that has my student loan. I worked out a voluntary payment arrangement of {$50.00} per month this past summer. I told them over the phone what day to take out the {$50.00} payment each month. They called me and said that the {$50.00} a month can not be accepted anymore and they will recommend wage garnishment. My understanding is as long as I am voluntarily paying they can not garnish my wages or take my tax return. I feel like they are trying to bully me into paying more.
Consumer complaint received 2024-03-16
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. (SC)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE FRAUDULENT AND NEED TO BE REMOVED FROM CREDIT REPORT. PLEASE REMOVE ACCOUNTS. I HAVE SPOKE TO THE CREDITORS AND THEY HAVE NOT DONE ABSOLUTELY NOTHING. ITS BEEN OVER 6 MONTHS PLUS AND NO RESPONSE. MY INFORMATION IS REPORTING INCORRECTLY ON EACH BUREAU.
Consumer complaint received 2023-04-11
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. (NY)

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.
Consumer complaint received 2022-12-19
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. (FL)

XXXX XXXX Only ran my credit 6 times, after I asked them if they were only going to run it once. They lied and ran it 6 times which has brought my credit score down by XXXX points. They also ran it with several different companies. I tried to dispute the the credit companies has no way to dispute inquiry. so I was told.
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (NC)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (NY)

I would like to know why this company makes it so difficult to get answers. There is no help or message/contact us on their website under our loan. Why? Its like they avoid customers. They are awful to deal with. There is no separate escrow department with staff that deals with only this. They expect anyone to help you who picks up the phone and they are not knowledgeable. 
This is about our escrow shortage. We called in regards to this months ago, late summer or early fall, and spoke with an incompetent rep who had no idea what she was doing. She could not answer specific questions in regard to our escrow shortage, how much it actually is, where it went, are our payments going to go up, etc., etc. We asked for a supervisor and she left us on hold over XXXX minutes and then eventually disconnected the call. We were so frustrated we never called back. The reason we even called was in response to a letter we received, that i had a shortage of well over XXXX. 
When we entered into our forebearance during the pandemic we specifically discussed our concerns with escrow shortages. We were told everything was going to be put at the end of the loan and our payments would not go up. Then when we were ready to go back to paying that was not the case. They tried to not only raise our payments but also raise our interest rate! We had a huge battle, causing us to delay going back to payment for at least another XXXX months. It was a nightmare. Now we have a big escrow shortage. We want to know where this came from, we want it broken down. Why so much? Our taxes are not that high in XXXX. We were told our payments were not going to go up as a result of the shortage the last time we called but we frankly don't believe it. How could it not? That is impossible. Even if its not, fine, its still being added onto our loan. It never seems to go down. It was showing XXXX for over XXXX years now. We are not catching up. We want this explained to us, in detail.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (VA)

A Chase credit card was opened in my name fraudulently on XX/XX/2023. I received a bill in the mail for {$95.00}. I thought this card was an existing Chase account as I have several and paid the annual fee sometime in XX/XX/2023 I believe. Upon paying the bill, the following day I went in to check an existing account and noticed over {$1000.00} in charges were made to the card. I called chase to tell them I did not make these purchases and the issue with paying the annual fee. 

I have gone through XXXX thorough investigations, both resulting in Chase telling me I am responsible.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CATHAY BANK (MA)

I am the sole trustee of XXXX XXXX XXXX XXXX, I opened a business account in Cathay Bank in 2018 when we purchased the property in XXXX. XXXX  had ups and downs over the years, however we have a good will and put effort into a good relationship with Cathay bank. This year we paid off the XXXX bank loan and the bank issued satisfaction letter to us. 
Today I went to the Canthay bank branch located in XXXX XXXX XXXX, XXXX, asked the bank to issue a debit card for the business account, first the bank clerk said : did you lose your card? We have record that you already have a debit card? I answered I have never received an ATM card for this business account. I am here requesting one for this business checking account. Then the clerk said : there are notes in the account said not issuing ATM card for there are non business related activities. I asked whose mark was that? The clerk gave no answer. I said thats nonsense, all the activities are within business. 

I demand Cathay bank investigating this no notifying fraud notes in my account. A bank can not put such wrong notes in a business account without even communicating or proper process with the business owner/representative. 

This will invoke federal law on discrimination on small business.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have reached out on 4 occasion XX/XX/2022, XX/XX/2022 & XX/XX/2022 via certified mail and XX/XX/2022 via phone to Fraud Department. 

I have reviewed my credit report and they have XXXX incorrect so called versions of my name. None of which are my correct name. Also XXXX address in which i have never reside. I know we have the right to a clear and accurate credit report which i have told them numerous time yet they refused to remove this inaccurate information from my report.
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  # 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 2018-12-18
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. (NC)

XXXX XXXX XXXX in the amount of {$370.00} XX/XX/2018, which I believe to be a fraudulent account is showing up on my credit. I was never informed of this account before it illegally showed up on my credit report.