davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This grumbling to TRANSUNION was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC numbers XXXX ; XXXX and XXXX
Consumer complaint received 2022-11-28
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. (AR)

An inqiry was made by XXXX XXXX XXXX XXXX on my Trans Union credit report on XXXXXXXX XXXX XXXX. I never authorized this inquiry.
Consumer complaint received 2017-05-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (OH)

I am filing this complaint against PNC Bank due to the loss of my home of 15 years. The main mortgage holder was  XXXX  and  PNC  was 2nd. I lost my job due to illness and I was in a Short sale with my home. I was owing PNC under {$10000.00} and  XXXX  Mortgage was willing to pay {$6000.00} of that money and paperwork was submitted to  PNC  over 3 times of the  XXXX  to get their approval of the {$6000.00} as I had a buyer and the home was sold and the closing date was set but anyone who had my file would not, did not return our calls. Also the title company was trying to reach them and PNC would not return their calls either. In turn, I lost my buyer and my home was acutioned off for much less then the contract price due to the negligents of PNC not co operatin g. 2 real estate agents did not get paid for their time and work, I will now need to file bankruptcy, my neighbors value of their homes have gone down and the buyer lost a lot of money in fees. PNC had  10 days to sign off on the paperwork and neglected to even return a phone call either way. I even physically went to the  XXXX  Ohio branch and spoke to someone in the short sale Dept.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-06-15
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We are trying to payoff the reverse mortgage on my deceased mother 's home. Champion reverse mortgage refuses to provide the payoff amount even though requested verbally on the phone and in writing by fax XXXX. They continually state they have not received a request although they have acknowledged other information in the same fax. 
We have verbally requested how to make the payment and wiring instructions for the payment and they outright refuse to provide the information. 
Champion is proceeding with foreclosure while refusing to allow us to pay the mortgage balance.
Consumer complaint received 2023-03-13
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. (OK)

I submitted a report with the Federal Trade Commission for suspected ID theft on 5 accounts. I provided the report to Experian demanding that they block the accounts from my credit report based on federal law. Experian declined to block the accounts, in violation of federal law.
Consumer complaint received 2023-01-07
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

On XX/XX/2023, at the XXXX XXXX, TX XXXX Dealership, my husband and I went to a XXXX dealership to investigate buying a new vehicle. We told our salesman as well as the sales manager to only do a soft credit check and not to send anything off to any banks. After refusing to buy a car from their dealership, and 3 hours of waiting for some kind of offer on paper, we asked for our keys back to our trade in, and to cancel any proceedings. As we felt we had been treated poorly, and informed them we would be going to a different XXXX dealership with better customer service. After informing us of my fico score of XXXX or so, XXXX hours after we left, I received multiple notifications that our questions and personal information had been forwarded to every bank they do business with, against our specific instructions, and without our knowledge to make it harder for me to purchase a car even from another XXXX dealer. It was done out of spite after refusing to buy from their location.
Consumer complaint received 2023-01-07
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX 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.
Consumer complaint received 2023-01-07
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. (FL)

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.
Consumer complaint received 2023-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

I do not have now, nor have I ever had a credit relationship with Fair Collections & Out Sourcing. A debt verification is warranted that must be accompanied by a judge and court order, if one can not be provided -- please remove this erroneous information from my credit file as it is impacting me both financially and mentally.
Consumer complaint received 2022-11-28
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. (NJ)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I recently discovered that my bank, Wells Fargo was involved in some charges against customers, such as myself. Ive been with Wells Fargo for over 10 years. I had incidents where I had to contact the bank a few times but now theres a huge lawsuit and I want to make sure that I wasnt charged for some thing Im not aware of since Ive been with them for years and can not go back on account history
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

My wife XXXX XXXX and I XXXX XXXX have been paying our XXXX XXXX loans with Chase Auto Finance late XXXX days late but never 30 or more days late. All of a sudden Chase decided to report this specific payment as 30 or more days late when in fact it was not 30 or more days late. It was paid on the 29th day. We have disputed this to the credit bureaus twice once on XX/XX/XXXX and once again on XX/XX/XXXX but it has come back as updated and accurate but its not accurate. I have also contacted Chase Executive office and after 1 day of investigation they called me back to tell me that it was accurately reported. When it fact it was not accurately reported and they have told me theres nothing they can do to help me. Also, my brother XXXX XXXX has never been 30 days late on his chase sapphire preferred card. It was paid on the XXXX of XXXX and it was reported accurately. It was paid again on XX/XX/XXXX and Chase came back and flagged it as 30 or more days late when in fact it was not 30 or more days late because he paid it on the exact day on the previous month. I have no idea what is going on lately with Chases reporting but its not accurate. They have been reporting to the credit bureaus on different days every month lately as well which could possibly be causing the mishaps. My wife & I 's car payments are paid over the phone so there is no email sent to confirm the payment date. But we pay it every month on the same date which is usually the last day of the month so that its not 30 or more days late. We have all worked so hard to keep our credit good regardless of our current financial circumstances and were being penalized right now with this inaccurate reporting.
Consumer complaint received 2018-10-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NC)

In XXXX I opened an account with XXXX XXXX XXXX. In XX/XX/XXXX, I opted to have credit protection placed on my account. I payed on time payments from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX, I had a medical emergency, and the doctor took me out of work. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX ( credit protection ) payment included. On XX/XX/XXXX XXXX XXXX XXXX closed my credit protection account, unknown to me.On XX/XX/XXXX the doctor ( medical emergency ) took me out of work. I was unable to make on time payments. XXXX XXXX XXXX charged the account off and sold the account in XX/XX/XXXX. It hits my credit report with negative remarks. I'm still recovering during this process. Recently, I contacted XXXX XXXX XXXX to see what are my options, because now the account in collections and it has damaged my credit. I spoke with an account manager on XX/XX/XXXXand was instructed to call the credit protection ( XXXX claim insurance company ) and file a claim. I called on XXXX XX/XX/XXXX and was told I was not covered for that time period, due to the policy being cancelled on XXXX XX/XX/XXXX. I was instructed to call XXXX XXXX XXXX. I called back and spoke with another account manager, and that account manager verified they closed my credit protection account unbeknown to me. And it was nothing they could do! Currently, this account is sitting on my credit in collections, which is debilitating my credit score! I was NEVER informed they ( XXXX XXXX XXXX ) cancelled my credit protection! I called to file a claim and was denied ; due to the bank cancelling my account ( credit protection ) after a  payment days prior.
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (NM)

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.

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 2022-11-28
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. (MD)

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.
Consumer complaint received 2022-11-28
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. (GA)

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. 

XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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. (MI)

XXXX Bank XXXX XXXX account was hacked on Thursday for {$160.00}, and it was hacked last month for {$69.00} and a recurring account was debiting our bank account and sending the money to pay credit cards and a XXXX bill. Months ago we were hacked for {$1900.00}. I checked to learn if my name was among those hacked in the XXXX hacking and learned that my information was among the records hacked. I sent letters to the credit bureaus requesting each to remove inaccurate names and addresses because I believe the fraud is connected to inaccurate information available on my credit report. Please assist me in communicating to the credit reporting bureaus to remove all inaccurate personal information. My correct name is XXXX XXXX XXXX and I live at XXXX XXXX XXXX. XXXX Michigan XXXX. Any information contrary to my name and address is incorrect and should be removed.
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (NV)

For starters I have a co-borrower on the mortgage. The loan was sold from the company that we started with to loancare. My co-borrower had a previous loan with loan care that caused the account he signed up with not to show the correct loan for payment. It took loancare over a month to fix the account so we could make payments on the loan. With the first payment it was unable to process and we were not notified of this for over 2 weeks which make the payment even later. They also included a late fee even though they said we had 60 days to get this all sorted out. On the second payment it yet again failed to process and we were not notified of this until after it was already reported to the credit bureaus as over 30 days late on XX/XX/XXXX. Their own webpage before this had said the payment was sent before the 30 days the late.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

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 15 U.S.C 1681 section 602 A States 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.C1681s-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 2024-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XXXX of XXXX, I received a call from XXXX XXXX XXXX stating that my account was compromised and someone was using my card at a XXXX in Minnesota. I immediately, opened my account and found a charge on my account from a XXXX. I also received a written notification stating if this was a fraudulent transaction which I replied yes. The agent stated that were sending me a code to verify my identity to my phone and provided the code. They proceded to tell me that I had wire transfers coming out of my account going to a XXXX XXXX in Minnesota. They stated that the have attempted several wires and that XXXX had gone through and they were attempting blocking them and contacting the bank. They confirmed my address, my ATM card number, my phone number, they had all my information and just confirmed it with me. The call sound as if it was being recorded. They stated that will contact me again as the case developed. 
I received a call next day again from the Chase Fraud Dept with information on the wires from the previous day. contact with bank was done and working on the refund back to my account. Again they sent a code to my phone that I gave them. After that call I proceeded to go to the bank directly to find out what was going on and that is when I figure out that it was a scam. They retired XXXX wires from account for a total of XXXX from the account. The bank is denying my claim stating that I benefited from these transactions which is not true.