davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report which includes several inquiries that I did not authorize and the credit bureaus should not have released my report to these companies and doing so without my permission is a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-29
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: EQUIFAX, INC. (FL)

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 Acct # XXXX has violated my rights XXXX XXXX  Acct # XXXX has violated my rights XXXX XXXX Act # XXXX has violated my rights XXXX XXXX XXXXXXXX Acct XXXX XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights 15 USC 1681 section 602 A States I have the 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 2020-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MA)

I bought an item thru paypal and I did not receive it. I contacted paypal. They sent me 2 notices on about escalating the issue but I did not receive them as I was on vacation. I had already made a complaint.  There should be no escalation needed by me, especially in such a short time frame. Paid with Visa VISA Debit Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 

Ship to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX United States Category Retail Transaction ID XXXX Seller info XXXX  XXXX XXXX, XXXX. 
http : XXXX Invoice ID XXXX Purchase details 18V X2 ( 36V ) LXT LithiumIon Brushless Cordless 14 '' Chain Saw Kit - AU {$99.00} Total {$99.00}
Consumer complaint received 2018-02-28
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. (TX)

Send several certified letters with tracking numbers asking to verify debt and the credit bureau has completely ignored and have not provided a contract or anything with my signature has not been provided. my last letter i send is attached to this complaint
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I try to login with my account on XXXX, and the website says " Please give us a call, we can't complete your request at this time. '' Equifax customer service says I am using a VPN, but I am not using a VPN. I need to access my account to unfreeze my credit.
Consumer complaint received 2020-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

On or about XX/XX/2017 i was litigating ( proSe ) with case # XXXX. On those they XXXX XXXX settlement notices were sent but I couldnt received because i had file already in court. I am seeking to be added to customers notices on the XXXX dollar action..my case was dismissed i could not appeal ..coud not afford an attorney. Thanks XXXX XXXX
Consumer complaint received 2020-03-02
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (MD)

I deposited a check I received for the purchase of my sofa. The person purchasing the sofa asked me to pay the mover 's once the check cleared, so once I saw the funds in my account, I contacted them and sent the funds to who they said were the movers. The check appeared to be a cashier 's check and it was out of state from Georgia. Navy Federal put a hold on the check for two days and then released the money into my account, but did not verify with XXXX if the cashier 's check was legitimate. Well, this morning that check bounced and they are holding me responsible for this. My account is in the negative {$1500.00}, I have to pay my rent and be responsible for the charges affiliated with this transaction. Why would they release the funds before confirming if the out of state check was good? I don't have money like that. I am a single parent and given that they are the bank experts, I would think that they would do their due diligence to protect me and them.
Consumer complaint received 2024-06-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (GA)

I have sent the company and the XXXX credit bureaus letters disputing this information they have placed on my credit report, They have not validated the debt, the collects company, or the credit bureaus. They are reporting collection twice in one year for two different months. 

I have sent the debt collection Eastern Account system company three different letters to validate that is not my debt they have just sent out a bill. I have asked the credit bureaus to do their job and investigate and reinvestigate, they just send back a response within 24 hours that it is validated.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 XXXX I have the right to privacy. 
15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-02-05
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)

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

Account name : XXXX XXXX XXXX Account XXXX, Account name : XXXX Account number XXXX, Account name : XXXX  XXXX Account number XXXX, Account name : XXXX XXXX XXXX XXXX  Account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account number XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account XXXX, Account name XXXX XXXX Account XXXX 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 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 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX My husband and I drafted a letter to TranUnion outlining multiple accounts on my consumer report that are negatively affecting my credit rating. According to the Fair Credit Reporting Act, these mistake-filled accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I requested that Transunion correct my or delete personal information ( name, also known as, current and previous address, and employer ) as well as reinvestigate these accounts : XXXX XXXX XXXX : XXXX, {$210.00} XXXX XXXX : XXXX, {$300.00} XXXX  XXXX, {$1700.00} XXXX XXXX, {$410.00} XXXX XXXX, {$0.00} XXXX XXXX, {$0.00} XXXX XXXX, {$0.00} However, after receiving my letter, they stated that they dont believe that I had any part in constructing the letter that my husband and I submitted to them. This is absurd, as I am fully capable of drafting and submitting my own letter to them. My husband and I are self-taught students of our consumer rights, and we reserve the right to draft our own letters to express our rights, whether TransUnion feels we are capable of doing so or not. We drafted and submitted the letter to their agency and did not hire a third-party firm, as they have alluded to. As a result, they are refusing to investigate the accounts that I highlighted in the letter to them, which is completely ridiculous. In addition to this, each of the accounts listed in my letter meet the requirements of consumer reporting law according to the FCRA, CRSA, and Metro2 compliance standards.

According to 15 USC 1681i ( 5 ), they are supposed to delete or modify accounts that aren't reporting correctly.

15 USC 1681, Section 602 ( a ), states I have the right to privacy.

15 USC 1681, Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish an account without my express, written instructions, which I have not given.

15 USC 1681, Section 605 ( a ) : No consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-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.

In addition to the above violations, TransUnion is not in compliance with its own Metro2 credit reporting standard and has violated my rights many times over in each account. I have attached my letter to them as proof of this.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There are a number of addresses on my credit reports that are not mine. I am attaching my current driver 's license with my current address. I've contacted the three reporting agencies and requested that the addresses be removed and they advised that they could not remove them. Per the FCRA I am entitled to fair and accurate reporting in all areas of my files.
Consumer complaint received 2020-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (VA)

We recently received the note AmeriHome Mortgage sent to you on XX/XX/2020. Unfortunately, we continue to have the following difficulties with this poorly managed company. First, per paragraph 6 on their note to you, we were supposed to be able to request the company to return the {$100000.00} in principal payments to us by sending a note to XXXX. We sent a request as to this process on XX/XX/2020, but have yet to hear back from the company. We sent a follow-up note on XX/XX/XXXX and XX/XX/XXXX, with still no reply. Today is XX/XX/XXXX. Second, we sent the {$250.00} check to AmeriHome to finalize the agreement and put the issue to rest, they deposited it on XX/XX/XXXX and notified us on XX/XX/XXXX of the deposit. Third, the company had not modified the loan terms on their website for a monthly payment of {$4100.00} per the XX/XX/2020 notarized agreement signed by us and received by AmeriHome. Therefore, my wife had to submit the previous, normal payment of {$4600.00}, even though the company has had possession of our {$100000.00} recast payment toward the principal since XX/XX/2020 and had processed the {$250.00} check on XXXX. Fourth, AmeriHome finally modified the payment amount, but to {$4200.00} ; again this is not the contracted and notarized amount of {$4100.00}. If not corrected, this will result us paying more than {$37000.00} over what both parties agreed-upon per the notarized agreement. 
Given our difficulties with AmeriHome and noting recent difficulties others have had with the company per a recent XXXX XXXX XXXX article, I am surprised that they continue to operate in the US in good standing. Certainly, we would like : 1 ) to find out the process of having the money returned, 2 ) have the company return {$570.00} - the difference between what my wife paid and the agreed-upon amount payment per the aforementioned notarized document for the recast and 3 ) have the company modify of the payments to {$4100.00} per the aforementioned notarized  agreement, not the {$4200.00} indicated earlier.
Consumer complaint received 2023-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (MI)

I have an XXXX account that is fraudulent, the address that was used also is incorrect and fraudulent. 

XXXX XXXX XXXX PENN CREDIT CORP XXXX  {$460.00} Service date : XX/XX/
Consumer complaint received 2020-03-02
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: Experian Information Solutions Inc. (CA)

While in the process of attempting to establish and maintain a positive ; credit rating, score, and payment history ( six, suggested late pays ranging from 30 days to 60 days, some consecutive ) I've noticed that after my account with perfect payment history 's closure in XXXX after a financial fraud was committed on my account and they sent me a card ending in XXXX. Card was replaced twice before. After the data breach of XXXX, XXXXXXXX XXXX XXXX payment history on my account changed negatively. They also said they will be doing nothing about the matter, that the data is accurate and they can not give me any information on account closure dates. They have me red flagged ever since. I also have been having problems with their customer service agents and pre-qualification tool. 
About the pre-qualification tool first. Three different sites ( Experian, XXXX XXXX, XXXX  XXXX XXXX and suggested I was well qualified for the XXXX  XXXX Rewards Card, they offer only to be rejected for the application due to XXXXXXXX XXXX XXXX corrupt debt handling and collecting practices and policies. Thus, being well qualified? And the tool leaves a HARD inquiry on my credit profile yet suggests no harm to your credit score. 

Lastly, the ambient sounds from XXXX XXXX XXXXXXXX customer service department was suggesting a pedophile was on the phone stating, " Come on XXXX, can't we grant him a credit card? '' Only to have my customer service agent on the phone with me start talking with an XXXX XXXX accent, followed by a sniffles and laughter. I DO NOT like people trying to discriminate against me, even PLAYFUL ATTEMPTS. The customer service in the background also said that XXXX is a XXXX in XXXXl after attempting to put me on hold. 

THIS IS DISCRIMINATION ( ATTEMPTED AND SUGGESTED ) AND FINANCIAL PROTECTION ABUSE THAT CAPITAL ONE IS ; LIABLE FOR, AND NEEDS TO BE IMMEDIATELY ADDRESSED. 

XXXXXXXX DATA BREACHES XXXX, XXXX, AND XXXX. 
*SUGGESTIVE DEROGATORY REMARKS, SUGGESTED FOR ME, FROM CUSTOMER SERVICE OFFICE ( AND MANAGEMENT ) AMBIENT BACKGROUND AND PHONE REPRESENTATIVE ( S ). 
*CHANGING REPORTED INFORMATION DEROGATORILY AFTER ACCOUNT CLOSURE AND DATA BREACH ( ON STATEMENTS ALSO ). 
XXXX IF ASTERISKS 2 AND 3 ARE TRUE THEN IT'S A PART OF A DISCRIMINATORY GOVERNMENT CONSPIRACY AGAINST ME IN ATTEMPTS TO GAIN FINANCIALLY. CHECK PHONE RECORDINGS CUSTOMER SERVICE AND XXXX XXXX LAST 4 OF CARD ENDED IN XXXX. 
.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MD)

On XX/XX/year> at XXXX XXXX  EST, I was shocked to receive a notification from the Chime app about a new card being added to my account when I hadn't requested one. After getting in touch with a Chime representative named XXXX, I was alarmed to learn that my account had been closed without my consent. Despite my request to speak to a supervisor, the closure was confirmed and I was informed that my funds would take 30 days to be mailed to me. This abrupt closure will have a significant negative impact on my credit score and financial commitments. 

The next day, XX/XX/year>, at XXXX XXXX  EST, my attempts to escalate the issue were equally frustrating. A new supervisor told me that I wouldn't be able to open a new Chime credit builder account and the closure was irreversible. This is distressing since this account was crucial for my financial management and credit rebuilding. 

I am deeply disappointed by Chime 's handling of this matter and the impact it has had on my financial well-being. It's concerning that it has been over 90 days and I still haven't received my funds from the closed account. I sincerely hope that Chime prioritizes this issue and provides better support in the future.
Consumer complaint received 2023-05-12
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I filed complaint Chase refused to admit XXXX modify was not legal since then I have document prove XX/XX/XXXX i was denied modify so they had no right to move alone and extend me 30yrs start my loan over the approval on XX/XX/XXXX that I signed no witness was not suppose to continue once denied they refuse to admit denial letter is proof i was victim preditory pending want start loan over so XXXX XXXX Chase XXXX XXXX XXXX could continue profit since my principle on top i was no longer an asset never gave copy of executed modify one with my sign on it not even dated so when was it approved Chase claim they notify me by phone on XX/XX/XXXX tell me approved denial letter never mailed i searched until I got to bottom of it XXXX received letter XXXX_behind had 32day pay which cause the XXXX letter to forclose default now XXXX all from one month behind XXXX XXXX paid XXXX appraisal came forbearance agreed upon still penalized for making less then regular payments led to XX/XX/XXXX approval denial modification no trial period no witness no default all fraud
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation (MS)

World Finance continues to attempt to collect an alleged debt. This alleged debt has been sold and my no public personal information has been sold without my permission. World finance charge off this alleged debt but has not sent a 1099-C form as I requested. World finance is reporting income on my consumer report. World finance did not inform me on the use of credit along with other violations. World finance has not rebutted my affidavit, answered my questions, or provided any requested documents. I am exercising my right to opt out of world finance furnishing my no public information.
Consumer complaint received 2020-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (FL)

On XXXX XXXX, one of the representatives of Credence Resource Management , LLC called me regarding my delinquent account with XXXX XXXX XXXX. I made a payment plan to pay my account in 3 payments. The representative suggested that I make an earlier payment. I told him I lost my job and that this is the best I can do right now. He agreed to my payment plan and noted it in my account. 

I did not give my bank account details or approved an auto debit from my bank account. I specifically told the rep that if I am able to pay ahead I will call Credence. I did not make any call after the first time I spoke with Credence. 

I found out today that my account was debited an amount higher than what I said I will pay. I did not authorize Credence to auto debit my account for that amount. I did not even provide my bank account details, which makes me wonder how they got it in the first place. 

I called Credence again and the rep said they will refund the full amount debited but that it will take them 15 days to do so. I still think it was wrong practice for them to just go ahead and debit my account for an amount that I did not agree to. 

I emailed a dispute to the company and informed them that I am sending a complaint to CFPB.