davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MO)

US Bank setup our escrow account in a way that created a hardship for us. We had an agreed upon payment that we felt comfortable with. Unknown to us the loan officer did not fund our escrow account. Our first payment was due in XXXX, the taxes were due XX/XX/XXXX. The account was funded with {$230.00}, the taxes were {$1700.00}. This made our monthly payment go up over {$120.00} a month. We've tried to get answers from US Bank and they say " well its your taxes you have to pay them ''. That is fine and I'm not rebutting that. We feel like we should be refunded whatever fee we paid to the loan officer as the services were not rendered. The bigger question is whether or not this is a common practice of US Bank to put borrowers under immediate hardship as a method of causing foreclosure on loans.
Consumer complaint received 2023-05-11
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. (CA)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complaint again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding these fraudulent items and to REMOVE them from my credit report immediately. These accounts are NOT MINE. 
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Consumer complaint received 2023-02-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a letter asking XXXX, transunion and XXXX to investigare my accounts. it has been over 30 days. these consumer reporting agencies are in violation. 

according to 15 usc 1681i-XXXX, transunion, and XXXX have 30 days to investigare and send me the results. 
and they also didn't even record the current status of the disputed information which is another violation I have all the evidence attach below.
Consumer complaint received 2023-01-21
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: CLGF Holdco 1, LLC (GA)

Checked credit report and I have alot of hard and soft inquiries on there that I didn't do, or apply for. Lost phone with all my information in it.
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (TX)

I was told by Hunter Warfield that I have a debt owed of {$9100.00} on XX/XX/XXXX. 
I attempted to discharge the debt which is my right under HJR 192 73-10. I informed them to cease and desist under those grounds. Also under 18 USC 8, all debts public and private are the obligation of the UNITED STATES. They are in violation of FDCP Act 807 ( 2 ) ,807 ( 11 ) 809, and 812. And by not allowing me to discharge my debt under HJR192 73-10 they are violating my civil rights under the 14th amendment 42 USC 1983 42 USC 242 , 245. My rights are being violated and I'm being forced into involuntary servitude for financial gain. They willfully deprive me of my rights and privileges, and they have used coercion to pull me away from financial freedom. Also, the use of extortion to have me pay a debt a have provided the remedy for. They are operating as a criminal enterprise of organized crime with 2 or more members executing these acts.
Consumer complaint received 2019-12-12
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. (FL)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2022-04-22
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 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 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (WI)

In XXXX I contacted Discover credit card because I was laid off of work and asked if it was anything they could do to assist me with my credit card payments. The informed me they could lower my interest rate which would decrease my payments to {$120.00} for 6-months. Once I returned to work, I contacted them and ask if I could come off the plan because I needed to use the card to put gas in the car and for expense until I obtained a check to get back and forth to work. At that time I was informed that I could come off the plan but would not be allowed to use my card, as of today I am still not allowed to use my card. Not at any time was I told that if I got on that plan my credit card spending privileges ' would be suspended once I returned back and I would not be able to use my card. I explained to them that I was never informed of that and I would've never went on that plan if that was the outcome. The agent did not explain that to me when she enrolled me on the plan.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (DC)

On Tuesday, XX/XX/XXXX, I saw that the XXXX XXXX  XXXX ( the XXXX  ) located in XXXX, GA sent an account to collections in my name worth {$370.00}. The last time I lived at the XXXX  was XXXX XXXX. I moved out in XX/XX/XXXX XXXX because I was moving to XXXX, XXXX. Since then, I have received no email, phone call, or physical mailing from the XXXX  communicating that I owed them anything. 

Prior to moving out of the XXXX, I took many steps with the leasing office to ensure the person replacing my lease completed the necessary steps with the XXXX  so that I would no longer be responsible for the unit. I began this process early in the Fall XXXX  semester. In fact, on XXXX XXXX, XXXX the XXXX  emailed me to inform me that someone had expressed interest in releasing me from my apartment and asked me to complete the required release form. I informed the XXXX  on XX/XX/XXXXXXXX that I had already completed the form weeks prior to them contacting me. 

Upon realizing the error on XX/XX/XXXXXXXX, I called the XXXX  to inquire why an amount was sent to collections in my name. The person who answered the phone informed me that he would follow up soon. He called me back later that day saying that since the XXXX  was now under different ownership or management, that they no longer had access to any of my information from XXXX. The next morning, I received an email informing me that the previous owners of the XXXX  were the XXXX XXXX and provided their general office phone number. 

On Wednesday, XX/XX/XXXXXXXX, I called the phone number that was provided multiple times, as their automated system provided no clear way to reach someone who could discuss this issue with me. Each dial path ended in a voicemail or asked for an extension. I found their general email address for interested parties ( XXXX ) and sent a message to them. Around XXXX on XX/XX/XXXX, an individual from the XXXX XXXX XXXX presumably ) said that she forwarded my message along to the " Portfolio Managers that oversaw the The XXXX  at XXXX XXXX a headquarters perspective. '' Ultimately, I believe this was an error on their part. I know for a fact that before I left XXXX, GA to move up to XXXX, I worked with the XXXX  to ensure I covered every required step so that I would not be financially responsible for anything at or regarding the XXXX after moving out in XX/XX/XXXXXXXX. Upon moving into my unit in XX/XX/XXXXXXXX, I paid my rent in full for the entire semester ( I have the banking statements proving such ), so I know this could not be related to rent. In the four years since then, I have not received any communication from the XXXX  at all until this week when I called them to figure out why something was sent to collections in my name. 

As of XX/XX/XXXX at XXXX XXXX XXXX, I have not received any further communication from the XXXX XXXX or the XXXX.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2019-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (SC)

I sent a certified letter in XX/XX/2019 to hunter warfield asking to validate the debt that they were reporting to the credit bureau. Here it is XX/XX/2019 no response. The invalid debt is still being reported negative on my credit report.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I sent all required documents to this company for the removal of these fraudulent accounts on my report including police reports and documentation from the police stating that these accounts where fraudulent and still have no resolution or items removed from my credit report attached to this message is police reports police verification from the police department and all supporting documents including most recent bill my identification and letters to the company
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital One continues to reopen an old account that had a balance on it, it has been taken over time and time again by every debt collector there is but none would correct errors and a majority of the records do not even exist anymore making it impossible to recreate and/or prove or disprove anything on the account, but because it is over the reporting time on the credit report Capital One will reopen it with a balance to make it look like it is still active, many times for a month, then report that a payment was due and it has an active balance, I have asked on many occasions to have it removed and then it will show active again, both Capital One and XXXX  are guilty of not removing this according to the law.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello XXXX XXXX  has a innorrect remork on my credit I told them to remove it they said ok. But its still showing REPO. My car was never late and never a REPO. Please update. 

I never had a XXXX, XXXX or XXXX XXXX This isnt my XXXX  XXXX Only one payment was made. I would never ruin my credit. 
XXXX isnt late or I dont owe remove from my credit XXXX? I dont have a XXXX account I live with my mom she has her own utlities. This is hurting me getting a mortgage please help me.
Consumer complaint received 2019-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: E*TRADE BANK (MN)

I have had a checking account at E*Trade Bank since XX/XX/XXXX. On XX/XX/XXXX I opened a new money market account at E*Trade Bank and on XX/XX/XXXX I opened a second new money market account at this Bank. On XX/XX/XXXX, I sent a certified letter to E*Trade Bank to opt-out of the mandatory arbitration clause following the instuctions contained in the Banks account agreement, which as mailed to me with the new accounts signature card. The Banks acccount agreement states opt-out of arbitration is permitted if requested within 60 days. The US Postal Service confirmed the certified letter was delivered to the Bank on XX/XX/XXXX. On XX/XX/XXXX ( 5 business days latter ), E*Trade Bank informed me they would no longer be doing business with me, were placing me on their no further business list, and I had 30 days to remove funds from my accounts. I sent E*Trade Bank a complaint letter via their online submission system on XX/XX/XXXX and I received a call back on XX/XX/XXXX in which a representative of the bank verbally confirmed that my account was being closed because they viewed me as a business risk since I was requesting to opt-out. I offered to rescind my opt-out if the Bank would allow me to keep my checking account with them open. On XX/XX/XXXX, with all my account balances at XXXX, the Bank closed my checking account without my permission and locked me out of their online website to view statements and account information. What is the point of arbitration opt-out if E*Trade Bank closes my account? That isnt an opt-out if they close your accounts because you opt-out.
Consumer complaint received 2019-01-18
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: JPMORGAN CHASE & CO. (IL)

XX/XX/2018 chase card inqury that I did not authorize XX/XX/2018 chase card inqury that I did not authorize XXXX  XX/XX/2018 and XX/XX/2018 I have never heard of this company and did not authorize
Consumer complaint received 2024-03-08
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (IL)

I received a letter from the bank closing my account without any explanation. I called the bank and was not able to get an explanation. This reminds me of the redlining the banks were doing in the 60th and 70th. I tried to contact the management staff included XXXX XXXX, which I am contributing to his XXXX XXXX compensation and was stonewall. All I want to know is why, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If there is a mistake of some sort, it can be corrected if I have the information. Please have someone to communicate the requested information. Thanks.
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XX/XX/XXXX contacted XXXX in regards to the removal of late payments from XXXX through XX/XX/XXXX. 
I requested documentation of forberance history. 
XX/XX/XXXX I received that information in the mail, and it shows during those periods, I was in fact in forberance. 
XX/XX/XXXX I contacted XXXX for removal they denied it stating they would not remove it XX/XX/XXXX I filed an online dispute with the credit bureaus Transunion, XXXX, and XXXX. 
XX/XX/XXXX no update claimed accuracy XX/XX/XXXX I mailed a certified letter to the 3 agencies with documentation that I got from XXXX and other forms. 
XX/XX/XXXX XXXX undated information as accurate from XXXX and didn't remove them XX/XX/XXXX called XXXX to reinvestigate information under FRCA and seeking violation of not removing items This late payments of being 180 past due are affects my life tremendously. I have papers from XXXX then XXXX showing that I was in Forebarnce and therefore the reporting is inaccurate. I assume going against the DOE with their own forms is difficult. I have the proof from the Department but what they are sending the agencies I figure is totally different. I'm not even sure what XXXX, is giving them saying the late payments are accurate I've fought yearly in disputing this and now that I have the papers of proof and it does not change. Makes me belive it's a greater problem
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX  & Experian are still reporting inaccurate information by XXXX XXXXXXXX XXXX. They are reporting a balance and updating monthly on an account that has been paid some time ago. I have disputed it with the bureaus and they claim it is valid even though XXXX  XXXX XXXX says it is XXXX and they are not the ones reporting wrong. They claim it is the bureaus who need to remove it.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Open Accounts : XXXX XXXX # XXXX Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX I need some help to remove some fraudulent addresses off my credit. The address above is my current and only address. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I have several numbers on my credit file that do not belong to me as well please delete/remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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