davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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. (NV)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-23
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. (OH)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 have 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 an account without my written instructions.
Consumer complaint received 2024-03-29
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. (MD)

I'm not related with these credit managers, and I didn't start the inquiry. I'm mentioning that you get them out of my credit report immediately. These sales are not supported by me and are pointless to my monetary exercises. I demand their expansion from my credit report.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

An unknown person opened a credit card under my name with the company Capital One. This was not me who signed up for this card. They spent over the limit on the card. It was opened in XXXX and I figured it out by looking at my credit report with a new inquiry. This significantly dropped my credit score. I called capital one and theyre opening an investigation.
Consumer complaint received 2023-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

I am a member of the XXXX XXXX. XXXX XXXX in the XXXX Decision class. I filed my XXXX in 2014. The DoE acknowledged I am in the XXXX XXXX ( I have emails ). According to the XXXX XXXX XXXX settlement, the DoE had until XX/XX/XXXX to follow up with my XXXX  or they are required to forgive the debt. XX/XX/XXXX came and went and they have not complied with the court order. I have been trying to get a hold of someone there for months and no one has been able to talk to me about this. I contacted the XXXX, the DoE and my congressional representative on this again today. 

They are in current violation of the court order and are now require to forgive all of my debt. I need to know how to invoke my rights. 

Please help me. I've been in XXXX 's XXXX for 10 years now and deserved to be freed.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account 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 2023-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2023 ; I received an email from Wells fargo about Payment Card Fraud Alert about 2 transactions that was approved that was unauthorized for : XX/XX/2023 XXXX XXXX XXXX for {$18.00} XX/XX/2023 XXXX for {$27.00} Immediately after that email I call my bank Wellsfargo and report the charges unauthorized. Stated that those transactions are not mine and that I have no clue what XXXX XXXX  was. 


Then received a resolution letter dated XX/XX/2023 received on XX/XX/2023 that my claim was denied due to the findings that the charges were authorized. 

To which I called my bank to know why it was denied and got no help or resolution.
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MI)

Today XX/XX/2023, I received a random text message saying welcome to Chase Mortgage as of XX/XX/XXXX we will be the new mortgage service provider for your account which was held with XXXX XXXX. It is my understanding that I am to receive a 15 day notice from the new mortgage servicing company and a 15 day notice from my current mortgage servicing company regarding the sale of my mortgage. I have received nothing from either company and supposedly the transfer takes place tomorrow. I have no information on new account numbers, how to access mortgage information, how to pay mortgage, status of escrow account et cetera. I do not know if the text message is a scam as I have received nothing official.
Consumer complaint received 2018-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I have been trying to complete a successful modification since XXXX, have attempted several appeals and haven't received any resolution from the escalations department although I have reached out on numerous occasions. The escalation department nor anyone with any authority is available after XXXX Pacific time making it even more difficult to try to obtain any results. 

A supervisor today ( XX/XX/XXXX ) stated that he does not see any escalation replies on my file since their last communication of XX/XX/XXXX when they stated they will review my information and provide a written response within 15 days. However, we did receive another letter dated XX/XX/XXXX from a different department requesting additional time due to the complex nature of our situation but as of this date, no written response has come and it has been almost 2 months. This is gross negligence and is unacceptable when a family 's home is at stake. I have also been given lots of misinformation verbally by my " single '' point of contact, which we've had 3 in less than one year.

I have a pending sale date next week even though I have  been in an appeals process to the latest modification decline ( previously approved for a modification but it was falsely rescinded and now they won't approve again ). The  modification rescission, dated XX/XX/XXXX states we did not make our 3 trial payments, which is untrue and I have proof of all 3 payments. The current modification decline they state is due our net present value being too high, but this is based on errors in their calculations. This is the appeals process I have been currently trying to have resolved. 

Also, the company accepted 3 successful trial payments from us after sending a notice of default, then shortly after we received a foreclosure sale date. There are also unapplied payments and we have not received an escrow analysis. This company appears to have an ongoing history and pattern of violations, and we feel many California civil codes have been violated.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED XXXX XXXX XXXX REPORTING INACCURATE INFORMATION ON MY REPORT. I CONTACTED THE CREDITOR IN REGARDS TO LATE PAYMENTS BEING ADDED TO MY ACCOUNT. THIS SECOND ATTEMPT TO RESOLVE THIS ISSUE. 

I HAVE NEVER BEEN LATE. LATE PAYMENTS HAVE BEEN ADDED TO MY ACCOUNT DUE TO BILLING ERRORS, WHICH IN VIOLATION OF 15 USC 1666B ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement ( 5 ) A computation error or similar accounting error made by a creditor on a statement. 

THE CREDITOR FAILED TO FURNISH A STATEMENT 21 DAY PRIOR BUT FURNISHED LATE PAYMENTS. 

IN ADDITION, MY PAYMENT HISTORY HAS SHOWED ACCURATELY FOR THE PAST 2 YEARS. I CHECKED MY CREDIT REPORT AND 23 LATE PAYMENTS WERE ADDED RANDOMLY, WHICH ALSO IN VIOLATION OF 15 USC 1681E ( B )
Consumer complaint received 2021-01-20
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: Phoenix Financial Services LLC (TX)

On XXXX XXXX, 2020, PHOENIX FINANCIAL SERVIC add a derogatory mark on my credit reports. PHOENIX FINANCIAL SERVIC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2017-03-23
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Experian Information Solutions Inc. (MS)

I 've been disputing this for 2 years now. I recently Pulled my credit and saw XXXX is still on my Credit report for $ XXXX. I do not recall this debit, I sent four different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. XXXX is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (CA)

Dear Sir, I had a credit card with Wells Fargo back ending in XXXX which I launched a complaint earlier as well whereas the card was stolen but there was a transaction which I disputed and Wells Fargo got the money back from the merchant but never posted it back to my account and which is effecting my credit in a bad way as the aforesaid card has been over limits for a long period now and which is highly unethical on the financial institution 's part to withhold my personal money to themselves to their personal gain. The amount was approximately {$4200.00} and merchant was XXXX. I shall appreciate intervention and the aforesaid amount to post back and the rest of the disputed amounts to post back on my account which have been collected by the bank on my behalf as this is my hard earned and valuable money and time which I take out to build credit.
Consumer complaint received 2024-03-29
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. (NJ)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-03-27
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2024-03-29
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. (PA)

This is a brand new dispute. 
XXXX XXXX is in direct violation of FCRA Section6802 ( a ) Except as otherwise provided in subchapter a financial institution may not, directly ot through any affiliate disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information is initially disclosed, to direct that such information not be disclosed to such third party : and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative infomation without notificationand consent of the consumer. XXXX XXXX  failed to Inform Principal that it would be reporting Principals non public personal information to a third party and failed to get Principals Permissable Purpose. 15 U.S.C. 1681 ( a ) ( 2 ) Exclusions Except as provided in paragraph ( 3 ) the term consumer does not include ( i ) report containing information solely as to transaction and experiences between the consumer and the person making the report. 
XXXX XXXX # XXXX is reporting the tradeline on my credit ( s ) unlawfully regarding transactions and experiences violating principals and rights under the FCRA and could be held for Fair Debt Collection Practices Act as well because I will attest in a Court of Law that I never had an account with XXXX and I am demanding that all negative non public personal information, transactions and experiences be removed from my credit reports ( s ) immediately under the afore consumer mentioned rights and laws.
Consumer complaint received 2017-03-22
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

After being advised of a large debt on my credit report on XXXX/XXXX/XXXX, I contacted Capital One on XXXX/XXXX/XXXX, who very vaguely told me that my account was " Charged-Off '' and I needed to contact XXXX ( the collection agency ) which C1 supplied the phone number to me. I asked C1 to send me a copy of my back statements so I could find out what happened & when. As of this date ( XXXX/XXXX/XXXX ), I still have never received anything from Capital One. I then contacted XXXX on XXXX/XXXX/XXXX and asked them about my account. I was told they just received the info. They looked into it and contacted me back the next day ( XXXX/XXXX/XXXX ). Since then I was getting a call a day from XXXX occasionally 2 or 3 calls a day, until I asked them to not call me every day about it & I was looking into the matter. On XXXX/XXXX/XXXX, I received an envelope from XXXX postmarked XXXX/XXXX/XXXX with copies of my statements for the past year, and a letter from them dated XXXX/XXXX/XXXX. 

Going back through all my previous statements, I found that this automatic withdraw payment problem with Capital One has been going on since XXXX XXXX. I do not look at statements every month and knowing my other Capital One accounts are on an automatic withdraw payment plan with no issues, I did not know there was a problem. To this day, I still have not found or received any info from Capital One advising there was a problem with this account. Every month, C1 has been adding late fees, returned payment fees, interest fees, and changing the APR rate ( there may be more that I am unaware of ). The amounts keep changing, some months are higher & others are lower. 

When I originally spoke with the lady at XXXX, she agreed with me, seeing my information coincided with what she was seeing. 

Another issue compounding to this problem was my original C1 account number had been compromised. C1 issued a new card with a new number. 

I received 2 from calls XXXX last week, 2 more calls on XXXX/XXXX/XXXX and another one last night.
Consumer complaint received 2023-03-27
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service International Corp (GA)

On XXXX  XXXX alerted me via email that an a change occurred to my credit report. When I checked, I saw a collections agency on my account and they filed a derogatory remark on my account saying I was delinquent. This company was Credit Services Intl. I contacted them today via phone to discuss this issue. They started it is due to an unpaid bill from XXXX XXXX XXXX XXXX. I informed the representative that I never received a bill from XXXX XXXX nor have I received a notice from Credit Services Intl. How can I pay a debt I wasn't notified of? Then I contacted XXXX XXXX via email and they said that there's nothing they can do as they didn't started the collection agency process ; the physicians group did. I tried to contact the XXXX XXXX XXXX XXXX physician group about the collections and my missing bill ; I can not get anyone on the phone. No one is giving me a straight answer and now my XXXX score had dropped XXXX points due to other people not communicating efficiently.
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (LA)

I, the consumer, was denied credit by American Express when I applied for a XXXXXXXX XXXX 
Adverse action is AGAINST THE LAW according to the EQUAL OPPORTUNITY ACT which is codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1691 ( e ).

American Express is in violation of 15 USC 1691 ( a ) ( 3 ) because I the applicant exercised my right to extended credit in good faith. 15 USC 1602 ( f ) states that credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.

Per 15 USC 1602 ( l ) my social security number ( credit card ) was used. I received no benefit from this consumer credit transaction which is an UNAUTHORIZED USE violation pursuant to 15 USC 1602 ( p ). This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express.

If American Express fails to make any fair and equitable procedures to resolve and remedy this matter and compensate me for the use of my credit card, I will indeed make American Express civilly liable for all actual damages pursuant to 15 USC 1691 ( e ).

I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ).
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Keeping up with timely payments has always been a priority for me on this account, ensuring that no payments are overdue. Nevertheless, I find it perplexing to discover reports of late payment remarks associated with my accounts. As stipulated in 15 USC 1666b - Billing Error, necessary corrections should be enacted.