davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (NJ)

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

Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (MA)

Card opened under my name on XX/XX/2023 with limit of XXXX. Its a chase card. I have XXXX  Chase cards and this one is not mine, nor under my credit card app on my phone. I have contacted my credit score apps. It seems tk being paid so is not hurting my score too much but this is not my account
Consumer complaint received 2022-12-21
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. (TX)

{$2500.00} Open balance XXXX XXXX XXXX Original creditor In accordance with the Fair Credit Reporting Act, this creditor has violated my rights! 5 USC 1681 I HAVE A RIGHT TO PRIVACY.

Consumer reporting agency can not furnish an account without my my written instructions under use 15 1666b A creditor may not treat a credit account under an open ended consumer card for any purpose.
Consumer complaint received 2022-12-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2022 XXXX pm Phone Call I have been repeatedly called by this number ( XXXX ) XXXX at this time during my work hours. They have not asked what time is an appropriate time to call me and have repeatedly called me XXXX times while I'm at work from XXXX XXXX  to XXXX XXXX. According to 15 U.S.C, 1692 ( d ) debt collectors are not to repeatedly call with the intent to annoy or harass any person at the called number. I feel as if I am being harassed since I do not receive phone calls outside of that time period or me being at work
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
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. (PA)

I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.
Consumer complaint received 2023-06-16
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX Accounts : 1. XXXX XXXX- REPORTING 4 MISSED PAYMENTS 2. XXXX XXXX XXXX XXXX-REPORTING 1 MISSED PAYMENT 15 USC 1681 SECTION 602 states I have the right to privacy.

15 USC 1681 SECTION 604 SECTION 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC code 1681a states Defintions ; rules of construction - Exclusions. -- Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B states - A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
THE FCRA ALLOWS 30 DAYS FOR THIS TO BE RECTIFIED.
Consumer complaint received 2023-06-16
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. (TX)

I requested that XXXX to do a verification of these two XXXX XXXX Accts XXXX and XXXX that are listed under my name which I dont recognize. 
After about a week I received an email response and they told that they did an investigation and everything was accurate. I did a thorough research myself and found improper inaccuracy on the credit report even though they say they did Moreover, In accordance with FCRA both XXXX XXXX Accts XXXX and XXXX have violated my rights. Furthermore, under section 15 U.S.C 1681 Sec 602A, states I have right to privacy and Under section 15 U.S.C 1681 Sec 604A, states a consumer reporting agency can not furnish an account without my consent. 
XXXX XXXX Accts XXXXXXXX XXXX XXXXXXXX XXXX XXXX late payments XXXX XXXX AcctsXXXX XXXX XXXX XXXX late payment
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: OneMain Finance Corporation (VA)

Company sent billing to wrong address when trying to make a partial payment on account representative told me that I could not make a payment until balance is fully paid. These were in between the dates of XXXX XXXX Would like to have those late payments removed from my credit report.
Consumer complaint received 2024-03-06
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. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; 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 2024-03-06
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-03-28
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. (TX)

I have lived with groups of friends in XXXX XXXX and XXXX  XXXX  and I been seeing debts on my credit report that doesnt belong to me. Hard inquiries And I have tried filed disputes and still nothing seems to work.
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (NC)

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 these accounts, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
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. (PA)

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

With several letters being sent over the year to each credit reporting agency. With no action being taken to remove late payments that these companies were/are not authorized to report without my consent. All late payments should be removed immediately.
Consumer complaint received 2023-03-01
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (TX)

I brought a cashier check at Wells Fargo located at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX on XX/XX/2023 for the amount of XXXX $ pay to a specific company. However the check was cashed on XX/XX/2023. The payee has not received it in their account. I went back to the branch for the copy of the check that has been cashed out. There was no endorsement at the back and I was told you could cash out a check without an endorsement using the app! The banker XXXX XXXX and another XXXX man were laughing regarding my questions about getting my money back since the bank paid to someone who is not the payee on the check. It was not to my awareness that anybody could cash a cashier check without an endorsement even the person is not the payee on the check. It is the bank responsibility to ensure that the fund is deposited only to the person payable to. The person I wanted to pay has confirmed that the check was not received and that it was not in the account and would like to confirm the last 4 account number that the check was deposited to but the bankers said they can not release that information until the claim department takes the case. It would take 10-30 business days. There is something wrong with the way the bank handle business. The cashier check should be the safest way where one can used to make a payment as it is drawn from the banks fund and it should know whether it was deposited to the payee correctly or not. I was told fraud is minimal using cashier check. The bankers asked me why I dont wire transfer or pay other methods instead of using the cashier check. The mistake is on the bank as they allowed the fund to be released even with no endorsement and the bank should be responsible in restoring my money back as they did not pay to the specific person I addressed on the check. If all the banks in US works this way then it is no point to mention on the check whom to payable to as anybody can cash the check using the app. The bank app must have a validation process to ensure that the check is deposited to the correct person. I hope you would look into this issue otherwise it would promote more check fraudulent activities in this country.
Consumer complaint received 2023-08-22
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: Diversified Adjustment Service, Inc. (MI)

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately. XXXX XXXX XXXX and XXXX
Consumer complaint received 2023-03-21
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 1. Account name : XXXX XXXX, Account ID : XXXX 2. Account name : XXXX XXXX, Account XXXX Number 1 & 2 has violated my rights.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2022-12-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-11-25
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. (AZ)

Hello I've been for the past 60 days informing Equifax that I did NOT give them written consent to place the derogatory items on my reports and they've yet complied to me informing them to remove the accounts from my credit reports
Consumer complaint received 2023-08-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Assistance Inc (WA)

In response to Complaint # XXXX Attached in Exhibit N is the company response to complaint # XXXX. 
FINANCIAL ASSISTANCE INC ( FAI ) responded on XX/XX/2023. 
" XX/XX/XXXX  CFPB Complaint # XXXX FAI : XXXX Since a balance is no longer owing on this account and since the CFPB is allowing the ongoing expenditure of resources by both parties, FAI will submit a request for removal of this account and the accounts of the associated cotenants to the credit bureaus. '' FINANCIAL ASSISTANCE INC ( FAI ) has clearly developed a well document case of aggravated identity theft 18 USC 1028A, pattern of racketeering, violating a cease and desist, inaccurate debt parking 15 USC 1692d ( 4 ), violating 15 USC 1692g, violating 15 USC 1681i treatment of inaccurate information, violating 15 USC 1692a ( 2 ) communicating via any medium. FINACIAL ASSISTANCE INC ( FAI ) is continuing to invade individual privacy while continuing to commit abusive, deceptive and unfair collection practices with malicious forethought and malice to cause physical and financial harm to my consumer report and financial reputation and to the reputation of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. FINANCIAL ASSISTANCE INC ( FAI ) " FAI 's normal course of business '' is to violate multiple U.S. Codes to multiple federally protected consumers. See Exhibit A, Exhibit B, Exhibit C, Exhibit D, Exhibit E, Exhibit F, Exhibit G, Exhibit H, Exhibit I, Exhibit J, Exhibit K, Exhibit L, Exhibit M, Exhibit N, Exhibit O : reinsertion of inaccurate information to CRA 's on XX/XX/XXXX  after company 's response to delete completely and from all individuals consumer reports on XX/XX/.
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

I was a first time home purchaser in XX/XX/2004, with a XXXX FICO score, with healthy reserves, and I purchased a house in XXXX GA. 

I have have a myriad of problems at this time possibly due to predatory lending and as I look deeper, I am finding a host of inconsistencies and issues unbeknownst to me, which had led me to call my mortgage servicer, JP Morgan Chase. Unfortunately, due to this Covid 19 pandemic, the wait time is approximately 3.5 hours and I have waited 2 cycles, unsucessfully. I attempted today to call, however to no avail. So much Idle time has gone by and I am feeling a bit frustrated.
Consumer complaint received 2023-06-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (MI)

A company by the name of Duvera Billing Services is attempting to collect on a debt that is not owed. The amount of the debt is {$1800.00} and {$2300.00} I CURRENTLY DO NOT KNOW THE NATURE OF THIS DEBT, NOR DO I KNOW WHEN AND WHERE IT WAS CREATED.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

As of XX/XX/2024 there is inaccurate reporting information on my Experian, XXXX, and XXXX credit report. My name is incorrect and missing generation identifiers. The law prohibits the reporting of inaccurate information reporting and must be removed, not updated by law. There are several accounts across my credit reports with variations of a name similar to mine but not me. These accounts need to be removed by law.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX, I called Comenity regarding payment for my XXXX XXXX XXXX account and spoke with XXXX Reference # XXXX who transferred me to XXXX, Supervisor who transferred me to XXXX who advised he would file a dispute. The reference # I was given for that call is : XXXX. 
On XX/XX/XXXX, I called to follow up and spoke with XXXX, Senior Account XXXX @ Comenity. She said she put in a dispute where they will look at all payments coming in on XX/XX/XXXX and trace back to XXXX and I would receive a notice. 
On XX/XX/XXXX, I received the attached letter from Comenity stating my claim was received and were currently researching it. If additional information was needed a notification would be sent and to allow up to 90 Days to complete the investigation. 
On XX/XX/XXXX My bank, XXXX said they sent proof of payment was sent to XXXX XXXX XXXX XXXX OH XXXX - File Trace # XXXX ; Electronic Trace # XXXX On XX/XX/XXXX I called Comenity to check the status of dispute, I spoke with someone who said her name was XXXX & she was in the Ohio office Extension # XXXX and she was going to get this resolved On XX/XX/XXXX I received a letter from Comenity stating I am a valued customer and to call XXXX to resolve the inquiry On XX/XX/XXXX I called and spoke with XXXX XXXX, Supervisior who gave me a reference # for the call of XXXX. She told me I could upload the proof of payment documents through my account online. I proceeded to do that with XXXX XXXX on the phone, 3 times and received error messages and emails stating there was an technical error. XXXX XXXX said she was sending an email to the Dispute Team with a " time stamp '' and check on for documents. 

Last week I called Comenity and spoke with Senior Account XXXX, XXXX and was a advised the proof of payment was never received.
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (MD)

I notified Planet Home Lending , LLC regarding difficulty making the monthly mortgage payment. My husband and I were out of work for an extended period with no income because of the national COVID-19 pandemic. Planet Home Lending , LLC placed the loan on a forbearance planned and promised that once the forbearance program was over, the loan would be modified into a COVID-19 modification program. The forbearance ended and no COVID-19 modification program was provided. Even after requesting several times and offering to resume monthly mortgage payments. Planet Home Lending , LLC refused to accept our monthly payments and requested we pay several of thousands dollars at once to bring the loan current. We could not provide the insane amount to bring the loan current, so Planet Home Lending set a foreclosure sale date. We attempted to sell our home to avoid foreclosure but Planet Home Lending , LLC canceled the XX/XX/XXXX  sale date to allow the sale to happen ; however, they immediately rescheduled the sale for XX/XX/, while the contract was still valid. Unfortunately, the sale fell through because the home would not appraise for the amount Planet Home Lending , LLC would accept. Now we are faced with another foreclosure sale date of XX/XX/. 

Planet Home Lending , LLC was contacted to inform contract had fallen through and that we now wanted to remain in our home and attempt a modification. We were denied the right to apply stating we are going to turn it down, so don't bother! 

I believe Planet Home Lending , LLC has misled me and my husband and is more interested in foreclosing on our home than helping us to save our home, I believe that Planet Home Lending , LLC is in violation of RESPA and dual-tracking, by preventing us from applying for mortgage assistance, promising assistance, canceling the sale and immediately rescheduling sale for a later date to force another foreclosure auction.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion, TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion, Please unlock my account so I can lock in, freeze, and unfreeze my account, as well as get credit reports. 

I have called numerous times, and no one can resolve my issue. 

Attached to this report is : drivers license social security card address complaint screen shot of issues Please have this resolved as soon as possible - and resolved for good. Stop blocking access TO MY CREDIT PROFILE!