davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-29
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. (SC)

XXXX XXXX XXXX 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 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MA)

Chime opened up my disputes for unauthorized activity as requested but decided to open two seperate disputes for the same incident. One was for XXXX and the other for XXXX. Well i get a notification one day later which was super fast to investigate that my claim was approved but what was approved was the dispute for a XXXX They senied the one that really is needed for my electric bill. Even though that XXXX transaction they approved was one minute away from the teansactions they denied and even same merchant. I contacted them asking how one minute in time made a difference and nobody knows ( but understand my frustration ) it makes zero sense. And if my electric goes off because they are refusing to put my money back where it belongs i really feel like there should be a heavier price to pay. I have contacted police reguarding the matter of whoever stole my tablet but they didnt even care to investigate its like the denial was automatic. Claim number XXXX is the one that was denied that needs to be reversed
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

On XXXX, XXXX a representative from the ombudsman department called me. She stated that the previous mortgage statements I uploaded were not a 'verification of mortgage. ' I asked her " How is a customer to know the difference between a mortgage statement or a verification of mortgage? ' This had not been explained to me as I assumed the mortgage statements were sufficient enough. They keep changing the document types needed. This company is extremely invasive. They never asked me where the money was coming from when I was struggling to make the payments. They are asking for new documents and details every single day. 

Then I was asked to provide a lease agreement which the renters hadn't paid since XX/XX/XXXX. I have to wait for a response from the other mortgage company to fulfill the v.o.m. request and upload a lease agreement which is no longer valid. 

I lost my second job due to Covid 19 on XX/XX/XXXX. My loan was transferred to this servicer XX/XX/XXXX. Can I ask for a forbearance related to the Pandemic? The renters job closed due to those circumstances. The companies have shut down. They didn't work long enough to claim unemployment. I also couldn't receive unemployment benefits because I was working more than 32 hours per week. XXXX and XXXX programs can't help me.
Consumer complaint received 2022-10-29
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. (AL)

I see that someone is attempting to open accounts in my name I have several inquires that are fraudulent listed on my credit report and I want them off because its fraud these people just get on my nerves and I have completed a police report and included the FTC report with this complaint. 
inquires : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-01-04
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. (FL)

I demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not permit these companies to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (OH)

I have a VA loan with Homepoint ( formerly Homepoint Financial ). Pursuant to the CARES Act, I requested and received a six-month forbearance on my mortgage beginning in XXXX, and running through XXXX, XXXX. I have received documentation from Homepoint confirming my forbearance. 

Notwithstanding my documented forbearance, Homepoint has been sending threatening communications to me in which they claim my payment is late. When I call, representatives for Homepoint claim that I can " disregard '' the notices because I am in forbearance. This includes the last notice I received in which Homepoint threatened to initiate foreclosure proceedings. I again was told to disregard this notice, and that Homepoint can not stop these " automatic '' forms from being issued. 

Homepoints actions violate the spirit and letter of the CARES act, as well as the consumer protection laws of my state. Servicers such as Homepoint are obligated to provide a CARES Act forbearance if : ( 1 ) a borrower requests forbearance, and ( 2 ) the borrower affirms financial hardship due to the COVID-19 emergency. They may not lawfully coerce or threaten borrowers into making payments despite their forbearance. While I ( as an attorney ) will not be dissuaded from exercising my rights, Homepoint does not dispute that it is threatening to foreclose on borrowers who exercise their rights under the CARES act. How many borrowers have made payments they are not required to make out of fear of foreclosure? Homepoint could fix this problem, but I suspect that they gain more by letting it go than addressing it. Short of my filing a class action on behalf of Ohio borrowers under state law ( as I understand the CARES act to offer no private cause of action, see XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX, XXXX. XXXX, XXXX ) ), action by the CFPB is urgently needed.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

Paypal support is completely unresponsive. They have an irrelevant robot speaking but nothing gets done. They seem to be permanently closed- no one to speak to. They have my money but they are not sending it to me. They have stolen it. I've tried to verify my details online- I can't. I've tried to close my account- they've responded it can't be closed. They are completely evil and unresponsive. And they have my money. They should be shut down as they are completely incompetent and unresponsive.
Consumer complaint received 2024-04-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: SBG Financial (PA)

I recieved a scam call saying that a payday loan was taken out in my name in pennsylvania back in XXXX I never did and payday loans are illegal in my state. checked my 3 credit reports and nothing shows as far back as XXXX
Consumer complaint received 2024-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Debt Management (MT)

There has been a medical XXXX recovery claim filed against my mother 's house in which we r currently living in it's our only shelter n have no means of paying the outstanding debt {$91000.00} they denied my wa ier which my nephew has a XXXX n the house ain't even worth that much we can't sell it or get a loan to pay it cuz the house ain't worth that much... this was my mother 's debt she passed away in 2021 now I'm left with this medical debt they denied the wavier
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX of 2023, I transferred {$1000.00} from my XXXX  credit card to my Bank of America credit card, XXXX claims they never received the {$1000.00} payment and BOA say they did pay the {$1000.00}. Since then I've been paying on XXXX separate {$1000.00} credit cards and interest.
Consumer complaint received 2022-10-29
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. (SC)

XXXX XXXX XXXX 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 2022-10-29
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. (SC)

XXXX XXXX XXXX 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 2021-09-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (CA)

All constitutional rights invoked none waived. I XXXX XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2018. During this consumer credit transaction a finance charge was involved. 15 USC defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but XXXX XXXX XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX XXXX charged me insurance seperately. XXXX XXXX XXXX XXXX willfully and knowingly failed to provide/ disclose information under the provisions of 15 USC 1601. All documents have been sent to XXXX  XXXX XXXX XXXX and a copy has been sent to Consumer Financial Protection Bureau. All documents sent by mail have been notarized and signed by the consumer.
Consumer complaint received 2022-10-30
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. (GA)

Inquiries were made and attached to my credit file without my consent. I filed multiple disputes over the past months stating that these inquiries were made without my consent and they are acts of fraud. They will not remove the fraudulent inquires. This is causing my family and I great hardship. These are the fraudulent inquiries : Equifax Mortgage XX/XX/22. XXXX XXXX XXXX XX/XX/22 XX/XX/22. XXXX XXXXXX/XX/22. XXXX XX/XX/22 XX/XX/22.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-30
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX, XXXX XXXX XXXXk # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX, XXXX XXXX XXXX, US DEPARTMENT OF ED XXXX XXXX, and XXXX 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
Consumer complaint received 2022-10-31
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. (CA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} ; XXXX XXXX Inquired on XX/XX/2022 XXXX
Consumer complaint received 2022-02-16
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 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 2022-02-16
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. (GA)

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 2024-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (MO)

Ncb debt management is incorrectly reporting on all XXXX credit bureaus saying I owe a debt to them. This is incorrect I have never signed anything for anything with NCB. NCB has had multiple disputes with me and send no information but a bill from another company. Ncb is listing and reporting inaccurate information and needs to be deleted. Please show my signature where I owe u for a debt.
Consumer complaint received 2023-03-15
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. (GA)

I know my rights so please correct the following accounts.I reviewed the law located at 15 USC 1681i which describes your investigation responsibilities.Please complete this dispute in a timely manner and send the results to me so I can verify my credit.Thank you for your help.Please correct the accounts listed below. 

Account name : XXXX  XXXX Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

THIS CASE OF # XXXX FILED IN XXXX COUNTY WAS SETTLED AND DISMISSED FOR THE TOTAL AMOUNT OF {$5300.00} AND NO FURTHER COSTS TO MY SELF OR BANK OF AMERICA. JUDGE SIGNED OFF ON XXXX XXXXTHE REASON IT WAS SETTLED IS BECAUSE OF FRAUD CHARGES ON THE ACCOUNT. THE SETTLEMENT FOR {$5300.00} WHICH WAS PAID WITH A MONEY ORDER # XXXX WAS FOR FULL SETTLEMENT PAYMENT IN FULL. NOW BANK OF AMERICA PUTS ON MY CREDIT REPORT THAT I STILL OWE THEM {$2600.00} AND I WANT THIS TAKEN OFF THE REPORT SINCE IT WAS PAID IN FULL PER OUR AGREEMENT DUE TO FRAUD CHARGES ON THE ACCOUNT. AND I DO NOT OWE THEM ANYTHING. THANK YOU
Consumer complaint received 2023-03-14
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. (TX)

I was rejected for a loan from XXXX XXXX XXXX ON XX/XX/23 STATED/ EQUIFAX SCORE WAS XXXX Now I HAVE JOINED PAY THOUGH XXXX CREDIT AGENCY- to monitor ALL 3 AGENCIES. 

Right now MY EQUIFAX SCORE PER XXXX SCORE FOR EQUIFAX SHOES XXXX On XX/XX/23 upon applying Thur aforementioned XXXX  ON XX/XX/23 my exquifax score WAS XXXX yet on rejection letter states I WAS REJECTED BECAUSE EQUIFAX REPORTED A XXXX score, I called EQUIFAX FINALLY TALKED TO A AGENT - he said HE HAS NO ANDWERS AND COULDNT EVEN TELL ME MY CURRENT SCORE ON EQUIFAX . Im confused- it was as if I AM BEING PUNISHED FOR NOT PAYING EQUIFAX FOR THE SERVICES I PAY XXXX TO AVCESS ALL REPORTS.
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (NY)

To whom it may concern I was on my XXXX XXXX and noticed a XXXX XXXX  I am an authorized user on is only showing up on XXXX and no where else. I will attach proof as I screen shot it. I am on my cousins card. XXXX had said I would be updated to XXXX and equifax but never happened.
Consumer complaint received 2022-02-16
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. (MI)

My updated credit report from TransUnion was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If TransUnion has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX BANK Inquired on XX/XX/2020 2020
Consumer complaint received 2024-04-20
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CT)

I signed up for an IKEA XXXX Visa Credit Card in XXXX. I used my card in XX/XX/XXXX. I had a XXXX balance on it for the rest of the year. 

I attempted to use my card in XXXX and XX/XX/XXXX. I never received any notice of my account closure and continued to receive statement summaries, including a year-end statement summary. I last received an e-mail update on my account summary on XX/XX/XXXX. 

I called Comenity Bank, the company issuing the account under a license with Visa, and was only told this information over the phone after I called. I was first told my account was going to remain open, and after I spoke with a supervisor, I was informed my account would be closed. 

Comenity Bank is a deceptive company and did not provide me notice of any account action and suspended my ability to use the card to my detriment.