davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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. (TN)

My name is XXXX XXXX. It has come to my stention that although I have written several letters asking for validation of debt and audit trails, i am not getting any response because of the automated system thats in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 

I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm the three credit reporting agencies have done to me. 

DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX. Account number XXXX on XXXX XXXX XXXX XXXX account number XXXX on Experian XXXX XXXX XXXX, account number XXXX on XXXX XXXX XXXX XXXX account number XXXX on XXXX XXXX XXXX XXXX  account number XXXX on XXXX XXXX XXXX  hard inquires on XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX billing code error : 15 USC 1666
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. In accordance with the Fair Credit Reporting Act Accounts and information above, 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. 





Sincerely, XXXX XXXX
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (NY)

Can not get a lien release from champion mortgage. They claim to have no record of me but I have a title search that shows they are a lien holder. I have had the same house and have always made payments. I believe this occurred when I refinanced to another company. They even filed the lien with XXXX county in which I live. I have tried numerous times to talk to them and they just redirect me to another company. I don't know what else to do?
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. ()

These are the hard inquiries ( & dates ) that are not made by me : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX Also, I have never opened any account with XXXX, XXXX, and XXXX XXXX XXXX My credit report shows accounts with these banks that needs to be removed. Please see attached list of accounts that are not mine and showing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (NM)

Attempted to deposit check into account check been on hold bank is withholding other funds not associated with check furthermore check for {$7600.00} has never been credited to my account not XXXX cent has ever been available and yet approximately {$2000.00} of unrelated funds being withheld and Bank has failed to provide statements of all accounts that Ive requested and or they send me digital links to statements that I have no credentials to access. Unauthorized subversion of funds through XXXX  party transfer ( CREDIT-PUSH ). transactions to PNC account number ending in XXXX. 
Full disclosure of all accounts and assets property interests policys and securities held by PNC or and Partner institutions that may hold on behalf of or for by XXXX XXXX XXXX or any variation of persons, entity, individual or corporations is hereby requested to be returned to ESTATE # XXXX as I am not lost at sea as previously assumed under cannon law/ meritime law. I am not or will never abandon any credits, funds held in any institution anywhere ever where it be in my XXXX XXXX best interest known or not known.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I deposited a check through the mobile app on XX/XX/2023 in the amount of {$3800.00} it is a XXXX check. Chase is stating that the check was double deposited which it wasnt I still have possession of the check. Since I deposited the check chase has restricted my account not letting me access any money in my account for the last three weeks. I have spoke with about 15 different people all with different answers. I also went in to the branch and the branch manager didnt even understand any of whats going on. I have talked with the check issuer and they said the check was cash on XX/XX/XXXX and it is now XX/XX/XXXX and I still dont have access to my bank account.
Consumer complaint received 2024-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Upgrade, Inc. (NH)

The company Upgrade Inc with XXXX XXXX located at XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX CA. 

I got a debt consolidation loan from them in XXXX of 2022. I had my auto pay set up. Then In XX/XX/2022, the Autopay came out on the wrong day, so payment failed. I then Set up a payment for the XXXX, in which posted successfully. Then again on XX/XX/XXXX Upgrade took another payment, Unauthorized from me. I then had to call, they did agree to refund me, then explained it will take up to 10 days to do. Which after an unauthorized payment is ridiculous. After this i took my auto off and confirmed it over the phone it was shut off. 

With Autopay shut off, upgrade on XX/XX/XXXX took an unauthorized payment again. This payment i had called and had asked why it was taken without my authorization. They had no answers just like before. Again offered to return it in 10 days. I said no, as i was planning to make the payment that week anyhow. 

Now, XX/XX/XXXX they took a payment, unauthorized. Then again on XX/XX/XXXX they took another payment untheorized. I called on XXXX XXXX to ask why this keeps happening and again, they have no answer. All payments were for {$200.00}
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (FL)

After reviewing my credit report my personal seems to be compromised and I noticed inquiries from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX DO NOT belong to me and XXXX have not received services nor goods from these providers.
Consumer complaint received 2024-03-30
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)

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 Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER APPLIED FOR ANY OF THESE ITEMS I CALLED TRANSUNION AND TOLD THEM I SENT THEM A DISPUTE ALONG WITH A POLICE REPORT AND THEY SAID THEY COULDNT DO ANYTHING THESE FRAUDULENT INQUIRIES IS STOPPING ME FROM OBTAINING THINGS I NEED TO PROGRESS IN LIFE FOR MY FAMILY
Consumer complaint received 2023-06-05
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. (GA)

I received a credit alert from Experian on Friday XX/XX/XXXX that an account at XXXX XXXX was open in my name with my social. I called the number provided on the alert. When I called, I provided the representative with my personal information. It was confirmed that an account was open out of XXXX Virginia, but my date of birth was incorrect. She then transferred me to the fraud division. Once the new representative came on the line, he explained to me that the previous representative should not have given me that information and he was unable to give me any information and I would need to subpoena the record. I explained to the rep that I needed the information so the police can stat an investigation and they could not complete or file a report without the account number. He gave me the number to call back on Monday XX/XX/XXXX. I called the police department back and informed them that XXXX XXXX would not give me the account number and other information. Again, I was informed that my case could not be open without the information from XXXX. I called XXXX back on XX/XX/XXXX and spoke with the XXXX XXXX and I explained again that I was a victim of identity theft, He put me on hold. When he returned, He said he could not give me any information. After we finished our conversation, I contacted the Federal Trade Commission and filed a report and I was given my rights as a identity theft victim and the business responsibilities. Once that was completed, I mailed a 30 day demand letter requesting all transaction records and the application used to open the fraudulent account. To open a investment account and other banking accounts you need an ID. I fear that not only my social was stolen, but my entire personal information including an ID that does not belong to me. I'm also a small business owner. This will also effect my business financials too.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One has violated my rights under the FCRA, Acct. XXXX 15 U.S. Code 1681 section 602 A. States i have the right to privacy. 15 U.S. Code 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for ANY purpose. Capital One is committing fraud by furnishing my private nonpublic information on my credit report without my consent. This information needs to be removed immediately.
Consumer complaint received 2024-03-30
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)

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 Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2023-01-24
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. (TX)

Account Name : XXXX  Account XXXX Acct XXXX XXXX I have been trying to get this account deleted I have called credit bureaus and the XXXX XXXX to get this old account deleted/removed it was paid off back on XX/XX/2017. The Credit companies stated no change won't do a proper investigation and won't update unless XXXX updates them. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number:XXXX This account was paid off and settled I have sent out a letter and statements from XXXX to the credit bureaus it is a closed account and to remove and update my account for the dispute, I keep getting unchanged and verified. No change Account Name : XXXX XXXX XXXX Account Number : XXXX -Collection Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account Account Name : XXXX XXXX XXXX Account NumberXXXXCollection Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account I have contacted the collector and they have not been able to reach the person who actually reported the collection and there is no judgment the court has never sent me anything on file in the last several years and I am trying to get a removal due to Collection Account that needs to be reinvestigated or I want it removed from my credit report.
Consumer complaint received 2023-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

Prior to applying for PSLF, my loans were serviced by XXXX XXXX. On XX/XX/XXXX, my loans were transferred to MOHELA as a result of my PSLF application. On XX/XX/XXXX, MOHELA informed me by way of letter that my application for the PSLF waiver was approved, and that my loans had been forgiven. 

During the course of my repayment, I made XXXX payments. The total refund I received is {$22000.00}. {$22000.00} / {$450.00} ( my monthly loan payment amount ) = XXXX. Mohela is not reconciling my payment history correctly. I am owed XXXX payments as a function of basic math. My repeated requests for a refund of the remaining XXXX payments has gone unanswered as well as support for how Mohela determined I only made XXXX payments towards my student loans.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I, a Federally protected Consumer, have contacted the companies and credit reporting agencies several times via USPS mail in regard to reporting inaccurate information on my consumer reports to no avail. These inaccurate inquiries are effecting my Rights and lending power. According to the Fair Credit Reporting Act 15 USC 1681 inaccuracies should be removed after an investigation of at least 30 days, I have contacted these companies including the credit reporting agencies starting in XX/XX/XXXX and there are still reporting inaccurate information on my report. I have even opted out which is my right to do so according to 15 U.S.C. 6802, 16 CFR 313.1-2, and The Privacy Act of 1974.

There are still several addresses on my report and there is only one address that is deliverable to me by the USPS this needs to be resolved immediately.
Consumer complaint received 2023-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NV)

MIDLAND CREDIT MANAGEMENT has placed a collection account on my credit report without providing debt validation in compliance with 15 USC 1692g ( a ). Attached is a debt validation request. Please be sure to provide all documentary evidence that proves that I owe the alleged debt. This includes any and all original documents with my wet ink signature.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (MD)

I was contacted on XX/XX/XXXX, XXXXXXXX XXXX by text, I looked up the company and XXXX said it was debt collection agency, I replied HELP and for help and then requested a debt validation letter. It is now XX/XX/XXXX and I still have not received a debt validation letter.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC. (TX)

My issue is with Triad Financial Services trying to XXXX XXXX Tax on a Tiny House that is in a Tiny Home Community. The lot is rented monthly and the Tiny Home is XXXX square feet which is considered an RV. Triad insists on some documentation from XXXX XXXX is required to prove that no taxes will be accessed. 
I visited the tax office and they stated that they will not provide documentation for an account that doesn't exist. Who is Triad collecting XXXX XXXX XXXX for if there is no account to send the money too? 
The consumer should NOT have to pay this for 12 months and find out that Triad was wrong and wait for a refund from the lender.
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (CA)

A wire transfer was attempted on XX/XX/year> for an amount of XXXX from XXXX XXXX XXXX to an entity called XXXX XXXX at East West Bank. East West Bank returned the wire transfer ; however they failed to provide the information that the entity was a money mule for a fraud at XXXX XXXX  ( Document XXXX and XXXX see attached ). Had they provided this information to me as a consumer I would not have transferred the money again on the XXXX of XXXX to XXXX XXXX preventing the financial loss that I eventually incurred ( Wire Transfer 3 document - see attached. The lack of transparency and withholding of sensitive information has caused financial loss to me