davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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. (MN)

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. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

65 pages of obviuos fraud charges DENIED 3x now simply ignired by Chase over {$32000.00} XXXX XXXX OF FRaud 18 months ago DENIED CHASE actually apprvd XXXX OVER AND ABOVE credit line as a courtesy chargng me 24 % ruining my credit score damgng my busvess loans and causing higher borrowing costs of mllions in loans # XXXX advertisement fOR THIS chase card 100percent worry free FRAUD PROTECTION chase is absolute wrong and abusing its might to cheat peope NOLAWYERS WILL FIGHT CHASE NEED HELP PKEASE. M DEBT HAS RISEN TO XXXX now iwith no end went tobranch manager 4th complaint in XXXX. And not an answer from bank or acknowldg of my in person conlaint
Consumer complaint received 2023-05-26
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. (TN)

I've made several disputes with XXXX, XXXX, and TransUnion all for the same issues. There all responding back with several excuses. The first excuse is- it takes up to 60 days for completion of investigation. 2nd - Public Records Bankruptcy was verified as accurate. XXXX and XXXX- both use XXXX as furnisher of information. XXXX has provided documentation that shows bankruptcies have been removed from there credit file. XXXX recently removed all three fraudulent filed XXXX  XXXX bankruptcies cases ( XXXX, XXXX, XXXX ), however, they did not recalculate my credit score, yet my credit score dropped significantly. XXXX- removed the bankruptcies from my credit file, however, they've since re-entered the bankruptcy case # XXXX. There was no notification from XXXX regarding this change. XXXX did not recalculate my credit score, yet it dropped significantly low. XXXX have been provided with a copy of my credit report investigation showing bankruptcies were deleted by them, also, provided letters from XXXX stating no bankruptcies are not being reported by them. A letter from the US Bankruptcy Court in XXXX XXXX office - stating they do not report to credit bureaus or third parties. A new XXXX  Bankruptcy Amendment by Congress was also attached regarding corrections and verification of bankruptcies changes. I've requested a letter of validation from TransUnion and XXXX. Both requests have been ignored. I requested any documentation bearing my signature giving transUnion, XXXX, XXXX, and LCI permission to report inaccurate information on my credit file. This too has been ignored not provided. TransUnion recent reinvestigation completion on XX/XX/2023, public record for fraudulent bankruptcy determined it was NOT SPECIFIED. However, it was still being reported as before. I informed all three credit reporting bureaus, I am a victim of Identity theft. This was a heinous act against me. I have provided each credit reporting bureaus with a police report from XXXX, TN, FTC Identity theft report, copies of my driver 's license, utility bill, social security card showing that I have always lived in XXXX, TN. Other fraudulent Identity theft accounts is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. My credit score is consistently dropping for unknown reasons. My score has yet to increase with some of the deletions. After, disputing all inaccurate information with these credit reporting agencies, my credit score drop down lower. This is occurring, while Disputes are still under investigations. The credit reporting agencies, are not making comments that such items are under investigations. These are violations, that has been ongoing out of control with XXXX, XXXX, and TransUnion. My credit score is being destroyed and the credit reporting agencies are not adhering to any FCRA laws or XXXXaccountability.
Consumer complaint received 2019-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

To Whom It May Concern : I am having issues with XXXX XXXX accurately counting their monthly payments as qualifying towards Public Service Loan Forgiveness. I began paying my first payment pn XX/XX/XXXX with XXXX XXXX   and have been on qualifying repayment plans since then. I have also completed at least three separate Employment Verification Forms since then, which have been accepted. I have always made automatic on-time monthly payments while working for approved employers. I worked full time for a non-profit organization from XX/XX/XXXX to the current date without a break in service. XXXX XXXX informed me that some monthly payments have not counted despite no changes in my employment status and the lack of any late payments or forbearances. I have never applied for any type of deferments or forbearances. Customer services representatives give me different information each time I call. Ten months ago, the company initiated a recount of my qualifying payments. Since then I have requested ( in writing ) documentation of the other alleged deferments and forbearances as well as a list of which monthly payments have not qualified as to a basis for the initiation of their investigation. I have not heard from them at all. On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payment under PSLF program was 12. I have made 23 qualifying payments to date. 
As instructed, I submit my Employment Certification Form on a regular basis. I seek the assistance of the CFPB, I've devoted my career as a public service employee and have abode by the rules of the PSLF program. XXXX XXXX is not accurately counting my qualifying payments towards the Public Service Loan Forgiveness program. My qualifying payments should be at 23 and each one should be counted going forward.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I called my mortgage servicer on XX/XX/2020. I was told that the only way to repay my forebearance was a lump sum or 40 year loan modification. I've read several news stories about this and I should be able to defer the payments to the back end of my loan. However I was denied this option. My loan is federally backed. I believe I should be able to defer my payments to the back end of the loan.
Consumer complaint received 2023-06-22
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. (FL)

I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report as provided by Equifax. Despite my initial contact with Equifax on XX/XX/XXXX, I have not received a response to date. In accordance with the Fair Credit Reporting Act, I kindly request your assistance in addressing this matter. 
The following discrepancies and required corrections pertain to my credit report : Account Name : XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} I confirm that the aforementioned account was never late. The reported information is inaccurate, and I request that you correct this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} I confirm that the specified account was never late. The reported information is incorrect, and I request that you correct this on my credit report accordingly. 
Account Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$600.00} I confirm that the indicated account was never late. The reported information is incorrect, and I request that you correct this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} I confirm that the specified account was never late. The reported information is inaccurate, and I request that you correct this on my credit report accordingly. 
Account Name : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} I assert that the account mentioned above is not mine. The reported information is incorrect, and I request that you remove it from my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} I confirm that the specified account is not mine. The reported information is inaccurate, and I request that you remove it from my credit report.
Consumer complaint received 2022-05-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (IL)

I, XXXX XXXX, am a federally protected consumer and THIS IS NOT A DUPLICATE COMPLAINT AGAINST LVNV FUNDING/RESURGENT CAPITOL, ( and not the same complaint as complaint # XXXX that is submitted through this portal ), but yet another/different complaint against this company for violating a cease & desist sent to them on XX/XX/2022, via certified mail with tracking # XXXX marked as delivered on XXXX at XXXX. ( certified return receipt attached labeled Exhibit B ). LVNV Funding/Resurgent Capitol has violated my rights to privacy as a consumer, and is in violation of the FCRA and the FDCPA. According to 15 usc 1692c ( C ) LVNV Funding/Resurgent Capitol is in violation by continuing to contact me via USPS after receiving a cease and desist. The Law states " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt OR that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector SHALL NOT communicate further with the consumer with respect to such debt, EXCEPT- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ''. The law goes on to say, " If such notice from the consumer is made by mail, notification shall be complete upon receipt ''. Attached and labeled as Exhibit A are scanned copies of LVNV Funding/Resurgent Capitol sending a total of five ( 5 ) different correspondences/letters ( a total of thirteen ( 13 ) pages ) ( last page with violations ) to my address, all dated for the same day of XX/XX/2022. It is obvious that this must be a computer generated error. Nevertheless, LVNV Funding/Resurgent Capitol is responsible for this error. It is my belief that LVNV Funding/Resurgent Capitol has blatantly disregarded not only my request to cease and desist, but also the Federal Laws by continuing to use unfair, unlawful, abusive debt collection practices. This company is also reporting this same account as closed on XXXX and XXXX, and reporting as a collection account on XXXX. All of this activity and inaccurate reporting is causing me much stress and harm, not only to my health but also to my financial reputation and is also a violation to my rights to privacy according to 15 usc 1681.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (WA)

Furtherance to my complaint ( Complaint ID XXXX ) that I submitted on XX/XX/2022 against Caliber Home Loans, Inc ( Caliber ), and the response from Caliber dated XX/XX/2022, it was expected my Mortgage account and payments will be accurately updated with Credit Report Bureaus. Also, that Caliber Home Loans will be more transparent. 
For the very first time, I noticed a new charge of XXXX ( {$15.00} ) called " XXXX XXXX '' on my Mortgage Statement that was due on XX/XX/2022. As a result, I made frantic efforts to speak with a Caliber representative to explain the reason for the new charge. It is on record that the Caliber representative feign ignorance of the new charge and promised to get back to me when she is able to know the new reason for such a charge. Since XX/XX/2022 till date, no person from Caliber Home Loans has ever called me on the phone or written to me on why such a charge of XXXX ( {$15.00} ) called " Corporate Advance ''. All subsequent Mortgage Statements since XX/XX/2022 include the " Corporate Advance '' charge of {$15.00}. However, I have made it a conscious decision since XX/XX/2022 not to include the " Corporate Advance '' {$15.00} charge in my monthly Mortgage payments, because the Caliber Home Loans ' staff that I had to opportunity to once make an inquiry from could not provide a reason for such a charge. 
In XX/XX/2022, I noticed that All Three Credit Reporting Bureaus had entry for my Mortgage payments for the months of XXXX and XXXX, and when I spoke to XXXX of the Credit Reporting Bureaus, I was told that my Mortgage Company has reported " Nothing '' for the months of XXXX and XXXX in 2022. Even my most recent Credit Report from all three Credit Reporting Bureaus still shows no payments for the months of XXXX and XXXX in 2022. 
In addition, I have noticed on the last Mortgage Statement for the Year ending 2022 that the " Paid Year-To-Date '' Principal ( {$10000.00} ) ; Interest ( {$15000.00} ) ; and Escrow ( {$8400.00} ) as reported by Caliber are all less than the calculated amounts that I actually paid. 
I have attached to this complaint, the different Mortgage Statements received in year 2022, Bank Print-Out showing Payments received by Caliber Home Loans, relevant pages of my Credit Report from XXXX, XXXX, and XXXX showing no entry of payments as reported by Caliber Home Loans , Inc .
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

American Express was notified to cancel the card and refund membership fee of {$690.00}, subsequently I elected to cancel card and representative said I had 60 days to seek refund. A new representative said the policy is now 30-days. This card is not in use and American Express has refused to give me a refund for the membership fee. American express is essentially charging for an annual membership fee which I have cancelled and not used.
Consumer complaint received 2023-01-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek grand jury on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties FIFTH THIRD BANK, NA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Opened : XXXX XXXXXXXX XXXX Amount : XXXX 


FIFTH THIRD BANK, NA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX Opened : XXXX XXXXXXXX XXXX Amount : {$54000.00}
Consumer complaint received 2020-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/2020 I was to check my bank account and noticed there is transaction that pertains to company Comdata. I do not have account with them, nor purchased any services from them. They withdraw from my account {$4300.00}, and made my account to go into negative status. I attempted to call them at multiple phone numbers : and finally got to XXXX at XXXX. She listen to my compliant and transferred me to XXXX, who was very rude, and transferred me to XXXX. I told to XXXX XXXX would like to know how did they get my account info, and she told me : Call your bank, we do not have anything to do with that. I stated to XXXX, that I am, and that they will be reported to Government agency for hacking into peoples accounts, and getting money they way the wanted. I want to report you this fraudulent transaction, and please if you can contact Comdata. Once again, I never gave them authorization nor bank account number, so I have no idea what this charge is. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-04-08
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: Experian Information Solutions Inc. (PA)

To Whom It May Concern, I was looking at my XXXX XXXX, There a few inaccurate things on my credit report that I never authorized or gave anyone the authority to run my credit. Some of these things never even came off after the 2 years so I'll add them also. All should be deleted from my credit report Ttbom XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The first 3 I never gave anyone authority to run my credit so I believe that to be fraud. 

The other 2 I was told by both companies should be off my credit report
Consumer complaint received 2020-04-08
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. (PA)

To Whom It May Concern, I was looking at my XXXX XXXX, There a few inaccurate things on my credit report that I never authorized or gave anyone the authority to run my credit. Some of these things never even came off after the 2 years so I'll add them also. All should be deleted from my credit report XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The first 3 I never gave anyone authority to run my credit so I believe that to be fraud. 

The other 2 I was told by both companies should be off my credit report
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

On XX/XX/2018, I opened an account with XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Consumer complaint received 2024-03-19
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 XXXXXXXX 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 2023-05-13
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. (IL)

In accordance with the fair credit reporting and XXXX  account XXXX XXXX {$10000.00} has violated my rights 15 U.S.C 1681 section 602A stats I have the right to privacy. 
15 U.S.C 1681 section 604A section 2 It also state consumer reporting can not furnish a account without my written instructions.
Consumer complaint received 2020-04-08
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. (LA)

This company consistently is violating my FCRA rights by keeping identity theft items on my file and removing or blocking them. I have attached my official signed FTC fraud report which includes numerous off accounts and inquries and public records that need to be removed from my file. I have suffered tremendous stress and scrunity from employers to clean this up to even keep my job or get a job for the longest and this company is damaging my financial life and making it hard for me to even take care of my family. I have one time where they removed a public record from XX/XX/2014 and put it back on there without any explanation of saying why they put a public record thats not mine back on my report after i got the courts to remove it. I have 3 public records thats on my file due to identity theft and I have contacted the courts and they keep telling me they have listed them as fraud and are willing to talk to the credit bureaus about this but the credit bureau is hiring a third party company to verify this information and no one never reaches out to the courts at all to get this removed from my file permanently. I would like for all these fraudulent accounts removed from my file immediately and my report updated accordingly I have attached my FTC fraud form which lists ever fraud/identity theft accounts that needs to be removed.