davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM, XXXX XXXX SUBMITTING THIS COMPLAINT AGAINST XXXX XXXX XXXX XXXX AND THEIR IS NO THIRD PARTY INVOLVED. 
I DEMAND XXXX XXXX XXXX TO PROVIDE ME A COPY OF MY WRITTEN CONSENT AND WRITTEN INSTRUCTIONS TO FURNISH THESE FRAUDULENT & INACCURATE SAID ACCOUNTS ( EXHIBITS PROVIDED ). 
AND PROVIDE ME WITH XXXX XXXX XXXX XXXX. 
VERIFICATION METHOD TO " VERIFY " SAID ACCOUNTS. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 A STATES I HAVE A 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
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OH)

Chase is charging me interest on new purchases that I paid in full. I had signed up for a 0 % balance transfer option for the amount of {$1700.00}. I had new purchases totaling {$1500.00} as I was waiting for the transfer to " complete ''. I always pay my balance in full to avoid charges. I made a payment of {$1500.00}. When I called Chase XX/XX/20, I was told that they applied half of my payment to the new charges, and the other half to the balance transfer. I advised that I was not given an option on how to have my payment applied, which most companies do. I also reminded them of the law that payments are to be applied to higher APR balances FIRST. I ended up speaking to a supervisor, as the rep was not understanding my questions and just kept repeating herself. The supervisor stated that since I still had a balance on my account ( I verified that he was speaking about my balance transfer ), that my account was subject to interest, even though I paid the new purchases in full. I reminded him that the balance transfer promotion is 0 % and he stated that did not matter. I advised him that I've done balance transfers with other companies, and none of them perform like this. He stated it's in the balance transfer agreement, so they're allowed to do that. I told him that they do not supersede the law, and have to apply my payments accordingly. He stated they're not superseding the law and they can charge me fees even though I have a 0 % promotion. I notified him that I am going to file a report and I will be closing all of my accounts with Chase. He said that's fine, and to have my attorney file charges.
Consumer complaint received 2022-12-24
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)

I have notification back from the bankruptcy courts that states they never provided my information to a third party reporting agency and under the Privacy Law of 1974, Under 15 USC 1681 a ( 2 ) ( A ) ( iii ) a consumer must be given a chance to direct weather information about a transaction should be reported, ( opt out law ) any authorization they believe they have they no longer have.XXXX XXXX, XXXX XXXX, XXXX and Experian has violated my right to privacy by furnishing private information without my written consent, I would like the unauthorized negative report to be removed in four days with a copy of all four reports showing the removal according to the law.
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CHECKredi of Kentucky, LLC (CT)

On XX/XX/20 I attempted to Call CheckRedi about an Unpaid Returned Transaction on my email. The company asked for identity verification after I gave information the associate was rude so I hung up and called back the same day about 10 minutes later. When I got to the Identity verification process again the associates told me that the address on the file did not match. However, I gave the same information as the previous call which means that an associate gave out my information using the wrong identity verification. 

Additionally, the company is attempting to collect a debt that I am not authorizing since it was wrongfully applied to my account. 

I had previously logged into the zipline website to change the account information. After changing the account information I was contacted saying that the previous, bank account was still linked despite my changing the account. The error is causing a collection item. The original charge should be {$22.00}, however, they are implying that I owe a {$20.00} balance on a collection that I did not authorize nor should be due to pay considering that I changed the back information to the correct information on the zipline website.
Consumer complaint received 2022-12-24
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. (GA)

I have notification back from the bankruptcy courts that states they never provided my information to a third party reporting agency and under the Privacy Law of 1974, Under 15 USC 1681 a ( 2 ) ( A ) ( iiXXXX ) a consumer must be given a chance to direct weather information about a transaction should be reported, ( opt out law ) any authorization they believe they have they no longer have.Lexus nexus, Trans union, XXXX and XXXX has violated my right to privacy by furnishing private information without my written consent, I would like the unauthorized negative report to be removed in XXXX days with a copy of all XXXX reports showing the removal according to the law.
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (NC)

I believe my HIPPA PHI rights have been violated. I DID NOT AUTHORIZE the sale/maufacture/contract of my personal health with this company. I recently created an account with Equifax. Upon account creation I noticed a collection account ( XXXX ) to the tune of {$1700.00} was on my credit report for medical collections. XXXX XXXX XXXX XXXXXXXX ( FL ) is the agency reporting this information. Once I recieved the information behind the collection on the Equifax portal ; I began communications with the collection agency via a Debt Validation letter. The letter was mailed certified XX/XX/XXXX. I have received a response from the company XX/XX/XXXX. The contents of their database disclose Reason for service. Not only is that my PHI but the " XXXX '' is a complete lie. I was only at the XXXX  for XXXX XXXX. I was processed in and back out within the time period of 2 hours. After reading further into their findings they included a document from the XXXX ( XXXX XXXXXXXX XXXX XXXX ). I never signed this document, received a copy from the hospital, nor signing this document. I was no incapacitated and was in a conscious state of mind. This document is signed via " Verbal Consent '' " Self '' and initialed " Verbal '' " Verbal. '' Not only was I not aware of this document but it also discloses my personal health information. I DID NOT SIGN/ AUTHORIZE this document. This is a clear violation and my personal health information was included along with extremely erroneous and false information. I need help settling this issue. The false medical reason of service is an extreme DEFEMATION OF CHARACTER. I am current awaiting response from XXXX and FTC. Seeking possible litigation if this issue is not resolved immediately. Please review my complaint as soon as possible. Thank you.
Consumer complaint received 2022-09-13
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)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX SYSTEM ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}.
Consumer complaint received 2022-03-14
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-24
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. (OH)

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 U.S.C 1681. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts have violated my rights under 15USC 1681 section 602 A.. it states I have a right to privacy. 15 USC 1681 section 604 a section 2 it also states consumer reporting agency can not furnish in account without my written instructions. 15 USC 1681 sections ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crime, which antedates to report by more than seven years. 15 USC 1681 sections ( A ) ( 1 ) state a person should not furnace any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is inaccurate
Consumer complaint received 2020-03-04
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: AES/PHEAA (MS)

There have been at least 12 accounts for student loans that have been fraudulently opened under my Social Security Number and I have never attended a college. I have fought this since I first seen it in 2010 and they keep telling me that I am responsible for the loans even though I never have went to college. My tax returns have been garnished for years over these loans and I really need for these to be removed and my money returned from what they took from me in Income tax refunds more than {$16000.00}.
Consumer complaint received 2022-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION (PA)

I lost my job in XXXX due to XXXX. The agreement with my company was that they would not deny my unemployment claim. I applied for unemployment the following day. A strange glitch in their system would not recognize my social security number which took 4 months to fix. I still have not received a single check from them. In the meantime I paid my bills with my vacation payout the company gave me, this included my mortgage. When I realized the unemployment situation was going to take much longer than expected. And was waiting to go in for XXXX to have glass removed from my face ( which had happened at my previous job ) and had just about exhausted all other lending options such as friends and family. I went in to the bank branch ( XXXX originally held my loan, but was recently sold to WSFS ). I was informed via mail months prior that WSFS now held my mortgage. The branch instructed me to apply for covid relief to defer my payments. I followed the instructions as instructed in XXXX. After weeks of calling the customer service number with absolutely no results I went back to the branch. In the branch, I showed them my statement ( it is worth mentioning that the bill had the WSFS logo at the top ). After an hour of waiting for the branch manager to figure out what was going on. They informed me that even though I logged in to the WSFS website to pay my mortgage ( ... and all of the other aforementioned hints that would lead one to believe that WSFS held their mortgage ), they in fact did not hold my mortgage. They were unable to access my account and instead called the same customer service line I had been calling. I will spare you all of the repeat details but, in short I have been doing everything I am suppose to do upon request. Resubmit this document or that document, you don't have proof of no income then write it on a piece of paper sign it and scan it in. I have been told complete opposite information regarding extremely important details along the way, such as being told that my house would not go into foreclosure while the application is being processed then literally receiving foreclosure notices, then calling back and being told thats all in correct. Now I am almost 6 months in to this process and still being given the run around, so much so that the branch manager who gave up trying to help me, gave me the number to a lawyer to call but he didnt know how else to help. I just got off the phone with them after being told weeks ago that my application was finally complete ( the amount of times I had to resend them the same documents is absolutely stifling. I am really just trying not to lose my house and was simply requesting a deferment while I get back on my feet from a really traumatic year. Please help.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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 U.S.C 1681. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these accounts have violated my rights under 15USC 1681 section 602 A.. it states I have a right to privacy. 15 USC 1681 section 604 a section 2 it also states consumer reporting agency can not furnish in account without my written instructions. 15 USC 1681 sections ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crime, which antedates to report by more than seven years. 15 USC 1681 sections ( A ) ( 1 ) state a person should not furnace any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is inaccurate
Consumer complaint received 2020-03-04
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are any unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything else under my social security number.
Consumer complaint received 2022-12-24
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-24
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (IL)

Hello, For 7 months now I have tried setting up an escrow account for my mortgage. I have called Plaza 6 times and sent all insurance and tax information needed to complete the process. In XXXX I mailed the escrow cushion of {$3500.00} which was cashed by Plaza Mortgage. It is now XXXX and another notice has been mailed to me asking for {$3500.00} to start the escrow account. I have called and called and emailed and no one can help. Left a message on XX/XX/XXXX on a managers voicemail to call me to help resolve the situation. 

The company has absolutely no idea how to service a loan. 

The company is acting in a fraudulent and unsafe manor with customers and their money.
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (MN)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2020-03-04
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: Coastal Credit, LLC (IN)

I have contacted Coastal Credit ( inquiry XX/XX/XXXX ), XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX, and XXXX. I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.