davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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)

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. 

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 2023-08-14
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. (PA)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I may have given written, unwritten, verbal and non verbal per 15 USC 6802. This is immediately and indefinitely.I have reached out to all 3 credit bureaus two weeks prior to my completing this CFPB complaint. According to 15 USC 1681 inaccurate reporting ( a ) Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have even had customer support help me via Chat and I have the transcripts as well to upload as evidence. Also 15 USC 1681 ( b ) also states 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe. ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation.
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (HI)

XX/XX/XXXX my loan went into deferment due to covid and I was not able to make payments at that time. 
XX/XX/XXXX - I filled out the application for a home assistance request to see about modifying the loan. 
I filled out the proper paperwork and forms that they requests. 
Around XX/XX/XXXX I found out that the process was canceled due to missing information, when they had all the forms requests. 
I was able to restart the process and fill out all the applications and forms again. 
XX/XX/XXXX- my application was canceled again and the loan was in foreclosure status. I contacted Wells Fargo and they were able to restart the loan process. 
XX/XX/XXXX - after filling out all the requested documents, they again failed to provide options for me. I was able to restart the process again. 
XX/XX/XXXX- they canceled the process on me with no options to choose from and I had to restart the process over again. 
XXXX XXXX I Have completed all the requests forms and materials. XX/XX/XXXX - I got a letter in the mail stating that I was approved for a short sale. This is not an option that I want to take. I want to live in this house with my family. 
They have not given me any option for refinance, modification or anything. 

I have tried XXXX times filling out all the applications and forms and getting the mortgage company the requested documents only to get denied. 
Covid has put me and my family in a hardship that we are still facing. 
The mortgage company is not helping or willing to work with us. 
We need help. 
Thanks, XXXX
Consumer complaint received 2024-05-06
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

With my CHASE business savings account I found out I was having all kinds of small amounts debited from my savings account over the course of several months. By the time I noticed it ( had to get a new book keeper ) CHASE said they would not refund me all the losses that I suffered. I have a claims reference number with them : # XXXX. These fraudulent charges coincidentally began coming from my savings account almost the day I got off the phone with CHASE about fraud on my checking account ( those fraudulent charges WERE caught by CHASE ) and I had just asked the man on the phone to put extra protections on my accounts. It seems as though they dropped the safeguards on my account and are not admitting ( obviously ) anything. Also, after I contacted CHASE in XX/XX/2023 about my compromised savings account, subsequent fraud charges were caught by their system. 
I feel I should be refunded 100 % of my lost money, because XXXX ) Their system failed to catch so many charges that did not match my normal spending habit ( ACH from Savings account and fake checks written from a SAVINGS account XXXX ) Before when I would get notified by CHASE fraud department and take immediate action, when their fraud protection was working.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of Identity Theft. My information was Compromised during XXXX 's Data Breach.

Included I have added screenshots and also my Data Breach Claim Number. For the fraudulently accounts that were opened in my name. 

DELETE THESE inquiries THAT I DID NOT DO- XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ON XX/XX/XXXX XXXX XXXX  XXXX ON XX/XX/XXXX Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX.
Consumer complaint received 2023-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I'm trying to get my credit updated and Experian person that keeps calling are calling at bad times and expect me to drop everything and answer her questions. She will not give any contact information so that I may call her back. Her name is XXXX. she will not allow me to speak with her supervisor either. I really need help and XXXX is not the one. Just horrible in courtesy and professionalism.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NJ)

Submitted payment to Elan Financial Services for VISA credit account with XXXX XXXX XXXX  using Elan app for XXXX on XX/XX/year> in amount of {$2100.00}. Prior to submission in app, Payment Date listed in app was XX/XX/year>, appropriately prior to due date of XX/XX/year>. Payment date was then subsequently changed to XX/XX/year> by Elan Financial without my consent or notification. Elan then reported the monthly balance to XXXX on XX/XX/year>, prior to XXXX XXXX date of XX/XX/year>, as not reflecting acceptance of payment amount of {$2100.00}, which then caused a XXXX drop in my credit score from XXXX to XXXX. Had the payment processed properly and had reporting taken place on or after Payment Due date, not before that date, then my credit score would have risen, as the utilization percentage rate for the statement period would have been lowered by the payment made, which itself exceeded the amount of funds borrowed during statement cycle. Upon contacting Elan Financial in good faith for explanation, their customer service agent stated my payment had been entered by me in-app on XX/XX/year> at XXXX, which was " past our cutoff time. '' When asked why, in light of that fact, the app still indicated that the payment date was XX/XX/year> and not XX/XX/year>, agent stated, " Oh wait - you did that payment in the app on XX/XX/year>, not XX/XX/year>, my mistake! '' That conversation was held on a recorded line. This is now yet again another instance of this company doing this to me, reporting before my Payment Due date, reflecting a balance prior to payment, and harming my credit score over this exact issue, yet none of the previous instances of this happening with them and only them, not any other creditor of mine, have ever been to this extent of damage to my personal credit score. Never once have they been polite, apologetic, offered to pull back the report from the bureau and reissue it corrected. It appears at this point to be intentional activity aimed at harming me in particular, and is perhaps a deceptive practice being carried out in order for Elan Financial to evade awarding credit score increases to manage their balance sheet, which is undoubtedly being harmed by their inferior management practices also. If this activity has not been intentional, it is an unacceptable business practice for a company owned by a parent of such magnitude as XXXX XXXX, to be so negligent in handling consumer accounts, always blaming the consumer, never offering a remedy such as re-reporting which other creditors have done, and only ever trying to argue their way out of any accountability whatsoever. Dispute will be filed with XXXX. Please investigate this matter and Elan Financial further, for any pattern of such malfeasance and deception with other consumers.
Consumer complaint received 2023-08-14
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. (MD)

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.

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 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Back in XXXX of 2018 I began working on cleaning up my credit. After sending in my driver 's license, social security and proof of address to TransUnion they mailed me a copy of my credit report. After reviewing it I noticed incorrect names, addresses, accounts etc listed on my report. I filed disputes with TransUnion requesting that they remove the inaccurate information from my record. I continued to notice that TransUnion was not correcting my personal information. So after mailing them at least 4 times, I decided to call. I contacted TransUnion on XX/XX/2018 and spoke with a rep who stated that they had corrected my name and I requested that they mail me an updated report with my name corrected. Unfortunately when I received my report my name was still incorrect. I am not sure how I can trust TransUnion to accurately report my credit history if they can't even get my name right. So that is why I am filing this complaint. I just want them to have my correct name on file.
Consumer complaint received 2024-05-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc. (SC)

Hello, forgot to add these attachments as further evidence. Checked the portal this morning and still no document updates... everything is still showing from my side on pause for the forbearance.
Consumer complaint received 2023-05-03
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. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for these accounts : XXXX XXXX Balance : {$41.00} XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

AMEX advertised to offer XXXX XXXX points after spending XXXX dollars in first 3 month for XXXX XXXX  credit card. I spent XXXX dollars but did not receive the offer. I called the about this issue. They said they told me I won't receive this offer during my application. However I did not find this item during my application!
Consumer complaint received 2023-11-11
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. (NJ)

I attempted to file a dispute online but was blocked by the system. 
I am attaching proof of XXXX inaccurate accounts from pages XXXX and XXXX of the XX/XX/XXXX XXXX report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX XXXX XXXX due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX XXXX listed under page XXXX of the attached XXXX report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX The payment history shows okay for XX/XX/XXXX yet the last payment was supposedly made in XX/XX/XXXX which makes no sense. On an XXXX report from XXXX dated XX/XX/XXXX under revolving accounts XXXX XXXX XXXX XXXX shows NO late payments ( See attached page from XXXX ). 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( s ). I have no records of signing with my wet signature to authorize the account. 
I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock. 
Finally, I never received the accounting statements from the financial institution related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099. 
On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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.

As a result, this invalid/ inaccurate XXXX account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Recently, i did an investigation on my credit report which caused severe 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 1681i ( 5 ) these accounts are violation of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX CHARGE OFF BUSINESS ACCOUNT OPEN XXXX
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX, XXXX 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.
Consumer complaint received 2017-05-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (CA)

I have received ( 3 ) telephones on my house phone which is on the Do Not Call Registry. They keep asking for XXXX XXXX, my son about collection of an owed debit. These calls are from a company identified as being ; AFNI Inc. ( XXXX ) XXXX. They claim to be located in XXXX, IL. Upon research there is an AFNI Inc. located at XXXX XXXX XXXX in XXXX, IL XXXX.
I have repeatedly told these callers that this phone number is a Do Not Call Registry. I am not XXXX XXXX, advised them that they are in violation of FDCP 15 USC 1692 ( c ) 805 ( b ), Communication with a Third Party.
I have asked them to Cease & Desist in their continued efforts to contact me about this.
Date & Time of each call : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.
AFNI INC. is listed as having ( 2 ) addresses : XXXX XXXX XXXX., XXXX, IL XXXX  and maybe know also as being XXXX XXXX with a secondary address of XXXX XXXX XXXX XXXX, XXXX, IL XXXX
Consumer complaint received 2023-05-03
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$200000.00}, XXXX XXXX XXXX Balance Owed : {$350000.00}, XXXX XXXX XXXX Balance Owed : {$9800.00}, XXXX XXXX  XXXX Balance Owed : {$1300.00}, XXXX  XXXX XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXX Balance Owed XXXX {$120000.00}, XXXX  XXXX Balance Owed : {$11000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX XXXX Owed : {$2700.00}
Consumer complaint received 2023-08-14
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. (FL)

In accordance with the fair credit reporting XXXXXXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681, section 60 for a section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions.

4 U.S.C 1666B : a creditor may not treat a payment on a credit account under an open and consumer credit plan as for any purpose.
Consumer complaint received 2022-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WI)

I requested a refund of student loan payments of ~ {$19000.00} made during the COVID-19 CARES act period from Aidvantage on XX/XX/22. Aidvantage has not issued any refund related to my request and has not provided any update as to why that is the case. I have attempted to contact them on five separate occasions to no avail and have not received my refund.