davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
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. (OR)

My husband and I recently began a refinance, XX/XX/2020, on a home. Within one week of our credit reports being pulled, my husband began receiving emails and on more than one day received up to 35 phone calls from solicitors for mortgage, debt consolidation etc. 
It is a well-known fact there is a loop-hole with the big three credit reporting agencies, Experian, XXXX and XXXX  barring them from penalty for selling consumers information. This is a huge ethical violation as well as privacy violation to us as consumers. My husband 's business phone number has been compromised and is now being abused due to the three credit reporting agencies, listed above, selling our private information. This is unacceptable and it needs to be rectified. How do we close this loop-hole? 

We have both signed up for the OPT OUT as well as requested a permanent opt out. 

How do we proceed and how can you help? 

Thank you. 
A very frustrated consumer
Consumer complaint received 2022-12-28
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. (FL)

XXXX XXXX XXXX appeared on my credit report it should not be on there via : 15 U.S. Code 1681a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. Code 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s-2 ( 8 ) ( E ) Duty of person after receiving notice of disputeAfter receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( i ) conduct an investigation with respect to the disputed information ; 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( ii ) review all relevant information provided by the consumer with the notice ; 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

15 U.S. Code 1681c ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information : If this is a chargeoff, according to the IRS publication a charge off is income chargeoff is a certifcate of imdemptment. I did not receive a XXXX ( to cancel this debt ) and income is not reported on a credit report!
Consumer complaint received 2019-04-16
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. (NJ)

I see there are so many wrong inquiries on my report, it looks like identity theft case. I tried to contact Credit Bureau for that, even they are having wrong information on my identity. they asked me send my identity by submitting documents like SSN, Driver 's License, etc. I submitted everything, but there is no change in report. however they asked me to contact creditor who did inquiry. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( OK ), I called them and they are not supporting in investigation.I tried to ask them since XX/XX/XXXX, but the problem is same. I can not understand one thing that, it is wrong inquiry reported by some one else, why should I have to pay or wasting my time by calling each and every one to rectify the problem.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Capio Partners, LLC (FL)

AssetCare LLC is furnishing a negative item via my consumer report which is causing harm to my financial reputation, my character, my credit worthiness and has caused me to be denied several extensions of consumer credit in which I can not enter into consumer credit transactions for personal, family, or household purposes. I have never given them permission to access any of my information. I received a letter in the mail from them stating that they bought my collection from XXXX XXXX XXXX and it has my private information like my name and address included. My privacy has been invaded because I never gave them my individual information and that is a violation of 15 U.S.C. 1692 ( a ). I have never gave them direct consent to communicate with me in any way in regards to this alleged debt and that is a violation of 15 U.S.C. 1692c ( a ).
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (NC)

I have sent my dispute letters to Credit Bureau numerous times and Credit Bureau is refusing to investigate into existing problem. I have pulled my report from all three credit Bureau in order to COMPARE my reports and I found numerous incorrect information and DIFFERENT information on each Bureau ; I can tell they didn't even try to verify information from my dispute letters. I have also obtained my report from XXXX different sources who provide credit report, so I can proof now, they my rights as a consumer were violated. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX - XXXX ; XXXX XXXX XXXX  - XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
I'm exploding my rights and I'm filing complaint to Attorney General as well.
Consumer complaint received 2022-12-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I am filing a complaint for my son, who is deceased. This is an old complaint and is against Wells Fargo. I do not have all the details but I too reached out to Wells Fargo during the process. Basically he had a mortgage with Wells Fargo. He decided to build a shop on his property and his loan advisor told him he would be best suited to take out a second mortgage and when the shop was done and the new value established to roll it over into his original mortgage. After its completion when he attempted to do the rollover they denied it. This put him in financial distress, we made many pleas for help and they were all to no avail. In fact basically ignored by them. He ended up having to file bankruptcy. Their lack of willingness to work with him was remarkable! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This being a piece of that puzzle. Wells Fargo is not to blame for his death, but their financial tactics were abyssmal, and certainly were a contributing factor.
Consumer complaint received 2024-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

I applied to have my XXXX plan payment recalculated in XXXX because my income dropped to {$28000.00}. Mohela said my payment didn't change ( eventhough my income dropped from {$46000.00} to {$28000.00} ). I called Mohela, the representative resent the application and told me I should have a payment of {$0.00}. I paid the {$58.00} payment in XXXX after that phone conversion. 

I then received a letter that my estimated payment was {$0.00}. Next I received a letter that the SAVE plan was recalculated and my payment was {$58.00} ( same as when my income was {$46000.00} ). I've talked to them 5 times, been told my payment should be {$0.00}, received a letter my estimated payment is {$0.00} ( and that is what the online calculator states ) yet they are still charing me {$58.00} a month. The XXXX phone call on XXXX XXXX the representative told me my payment should be {$0.00} and she had no idea why they wouldn't adjust it, she said an advanced advisor could manually fix it and transfered me. Unfortunately, the wait was an additional 2.5hrs and I was at work when they called back. I called again on XX/XX/XXXX and told that representative all the details and that I had been transfered to an advance representative the day before but couldn't answer the call back. That representative refused to transfer me and said all she could do was fill out the SAVE application for a third time and see what happened. 

Mohela keeps putting me on a forbearance and telling me not to worry because my payment isn't due. But I am working at a non-profit eligible for PSLF and do not get credit for the time I'm in forbearance. 

I've also sent multiple emails and Mohela responds " Our records indicate that you have already called and spoken to one of our Customer Service Representative regarding this inquiry on XX/XX/2023. We will assume the inquiry has been handled. '' I've gotten other email responses from later attempts. 

Please, assist me getting this resolved since I continually try to work with Mohela.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

XXXX : Inquiry date : XX/XX/XXXX ; Removal : XX/XX/XXXX Appeared on report : XXXX XXXX XXXX XXXX NY XXXX Address ID # : XXXX Type : XXXX XXXX code : XXXX ( Info is attached ) ========================================================= <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove from all 3 bureaus immediately> DEPT OF EDUCATIONXXXX XXXX : {$2400.00} DEPT OF EDUCATION/XXXX XXXX : {$5800.00} DEPT OF EDUCATIONXXXX Balance : {$5800.00} Total balance : {$14000.00} ========================================================= *** Please remove fraud alert from all 3 credit bureaus until it's requested again ***
Consumer complaint received 2020-03-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCE CORPORATION (CA)

On XX/XX/XXXX I informed One Main Financial Branch Manager XXXX XXXX that I was filing for charter XXXX bk and obtained the services of XXXX XXXX XXXX XXXX.   Instead of coding account as bankruptcy. XXXX XXXX aided me into signing a loan modification agreement that was communicated to me deferring the payments until XX/XX/XXXX and my credit report will be okay until that time. After signing agreement which clearly has a due date of XX/XX/XXXX. I was tricked into thinking deferred payment however XXXX XXXX didn't tell me I would be negative affected credit reporting for XX/XX/XXXX and XXXX.. Poor collection practices. I have a copy of loan modified agreement for review also. In addition this company failed to report accurate credit reporting for XX/XX/XXXX despite be making a payment for that month.
Consumer complaint received 2020-03-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (WA)

I was severely harassed by Midland funding. 

I have set up several payment arrangements over 1 year ago and midland funding keeps voiding the payments. In 2018 midland funding accepted 1 payment each for 2 accounts. Midland funding then decided to void a valid payment arrangement without notifying me first. 

I was contacted unlawfully on my cell number by midland funding. My cell number which is private, meaning ( i never gave this number out to anyone ) and or if I did have to give a call back number I would of had instructions not save the number. 
Its unknown how midland funding obtained my cell number? 
Midland funding said their agency looked up my number through a government database? 
Midland funding hung up every time even though midland funding was cold calling contacting me. I told them to stop calling! Midland funding leaves strange voicemails to contact XXXX XXXX. 
I went online again and set up another payment arrangement on the 2 accounts in question. I was offered a payment arrangement online for 2 accounts. I set up again ( like I did in 2018 ) 2 payment arrangements with midland funding for 2 different accounts. After I set up the payment arrangements online I called the debt collector to inform this debt collector I had set up a arrangement with midland funding online for the 2 debts. I had also instructed Midland funding and or its collectors to stop contacting me! After I told the collector the monthly amount I had set up online, he ( the collector ) threatened me with legal action if I did not come up with XXXX to pay him. I told him I was not paying him XXXX. 
He preceded to threaten me and said I would be sued. He said the arrangement would not be valid unless I paid him XXXX. I had to talk to over 4 people that day. 
This incident above happened last week. 
Today I went online to view the account information and now it says I have I have no account information. 
They have now voided my payment arrangement again?
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (IL)

I received a letter on XXXX, stating XXXX XXXX reduced my credit limit balance from {$1800.00} to {$320.00} which {$320.00} is what I owed them with utilization of 20 %. With doing this it will reduce my credit score and effect me using my credit. Stated by XXXX, " Protecting credit scores now will give people a chance to rebuild their lives and our economy. '' I had this account for over 9 years with no late payment and for a company do this in these times with our economy is very awful. I believe because the economy is going down they are closing and reducing people credit card limits. I didn't authorize this bank to check my credit and its should be illegal during these times of hardships. The reasons they stated is not true statements and should not be considered in these circumstance with our economy. 
First Statement : lack of mortgage information ; well my mortgage recently was transferred without notice from XXXX to XXXX XXXX  and its stated on my credit report. Second and third statement : too many revolving accounts with high balance compared to credit limit ; well this is the second time this has been done to me with credit card companies are reducing your credit limit plus none of my cards are maxed out and one I'm disputing. Fourth statement : not enough balance paid down over time on retail accounts ; I have been very good with paying down my retail account, please see attach credit report. This company is making up other reasons to reduce my credit limit.
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Malen & Associates, p.c. (NY)

I owe a old credit card debt to XXXX  XXXX. the debt was taken over by Malen & Associates , p.c . The company repeated calls and harasses using a call screener with multiple automated messages. The company has a stipulation of settlement and the company has collected payments and refused settlement. the company still calls me using a automated dialer with a automated message during lunch and dinner. The company is aware i want to settle the debt for less than is owed, and will not stop the harassing communications.
Consumer complaint received 2020-03-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REMAX (AZ)

The following phone number : XXXX calls me numerous times per day regarding my parent 's home. They are reale state marketers that are trying to get my parents to sell their home. I asked them to place me on the do not call list and they hung up on me. The calls are persistent and of are harassing manner as they call at all hours of the day.
Consumer complaint received 2021-03-12
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: JPMORGAN CHASE & CO. (IL)

ISSUE : Business Credit Card Accounts, showing on my personal credit report ( never before ) as Late Payment and damaging my good 20+ years of personal credit, taking me down and troubling even Business from applying new credits /SBA Loans to jump start the operations during this COVID PANDEMIC time. 

Here are the details -- -- Chase Ink Business Credit Account Numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Credit on Business Name :XX/XX/XXXX XX/XX/XXXXBusiness Credits opened : XXXX Accounts Closed : XX/XX/XXXX due to financial troubles with Business and high interest rates on credit and so closed to pay off the balance with a monthly flat pay as agreed Payment : Paying as agreed by business. 
COVID PANDEMIC : Business was in hot water during this pandemic, missed couple of payments under $ XXXX in XXXX & XX/XX/XXXX. No help received from Chase for Business for any deferment and Officer ( I ) moved to another state ( XX/XX/XXXX ) for income generation and to support bills / payments and other financial support for XXXX treatments ( in-laws ). During this relocation and settle down time, missed communication/ correspondence from Bank on Business Accounts & Due Payments and Bank never communicated any paper bill. 
Consumer Credit Reporting : Never saw before the business credit accounts on my personal credit reports during the time XXXX for my business accounts. In XX/XX/XXXX only, those business accounts got attached to / popped up on my credit reports as Late Payments and negative accounts. 
Payment : No dues to pay and done till XX/XX/XXXX Correspondence : Disputed with Credit Reporting Agencies (XX/XX/XXXX & XX/XX/XXXXas these are Business Credit Accounts and Business is impacted by COVID PANDEMIC ..Sent mail to JPMCB CARD, Spoken to Card Services Members & Credit Dept XXXX XXXX requesting to consider, remove late payment and from consumer/ my personal credit reports, but unfortunately the associates PAID DEAF EAR, NO HELP, RE-ROUTING CALLS HERE AND THERE, which appeared to me biased, in equal, and simply ignore ... due to my slang (? ) sorry to say but that appears as if! 

PAYMENT history is good for 20+ years ( my personal ) with no late payments/ no bankruptcy / no convictions and good for 12+ years ( my business ) except 2 late payments in XXXX  XXXX ( 60 days XXXX This business accounts attached to my personal credit reporting and chase & credit reporting agencies took me down by 80points from very good status. 
- EVEN CREDIT REPORTING AGENCIES ( XX/XX/XXXX & XX/XX/XXXX ARE RELUCTANT TO CONSIDER / CORRECT AND UPDATE, EVEN SHOWING THE BUSINESS /COMMERICAL ADDRESS AS SINGLE FAMILY RESIDENTIAL TYPE
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The Capital one representative opened the dispute for the transaction I had never requested causing my air plan ticket cancellation, i had to pay triple price for the new ticket. I asked supervisor from dispute department to investigate the case and find out whos mistake was it. Ms XXXX # XXXX informed me that someone from record reviewing department confirmed that I personally requested. I told here that it is absolutely impossible and some one falsify the conversation transcript. I ask her to provide transcript to me for my investigation she refuse to do so. 
Unprofessional job of the dispute department personal caused my air plane ticket last minute cancellation, even more disturbing the fact that investigation was not completed properly and report on investigation was falsified.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I believe I qualify to get funds from Wells Fargo for improper handling of my mortgage back a few years ago. Sold the loan in the midst of getting a loan modification. Had to sort sell home to avoid foreclosure with new lender. 

Thank you
Consumer complaint received 2022-12-28
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. (PA)

In Accordance iwth the Fair Credit Reporting act XXXX XXXX  Acct # 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 604a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.