davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
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. (TN)

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX , XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX  XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family
Consumer complaint received 2022-05-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2022, by phone, I requested closure of a CD account with Synchrony Bank. I was told it would take 4 days for closure and another 3 to send me the funds. On XX/XX/XXXX I called back after noticing the account is still not closed. After being on hold for 30 minutes, I was now told it would take 7-10 business days just to close the account because they are backed up on account closures and paperwork. This is unacceptable for a bank to take up to 10 business days just to close an account. I requested a second CD account to also be closed and again was told 7-10 business days just to process paperwork for that closure because they arent able to keep up with customer requests at this time. Someone should look into this bank and remind them they should be placing customers first.
Consumer complaint received 2023-04-08
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX, XXXXXXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account Number XXXX, XXXXXXXX XXXX Account Number XXXX, XXXX XXXX XXXXXXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX. XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$900.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$230.00} XXXXXXXX XXXX XXXX - XX/XX/22 - {$170.00} XXXX XXXX XXXX - XX/XX/22 - {$180.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 2016-01-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

I have a rental property that is now vacant. I can not afford it. The tenants left with 4 months of rent due. After the tenants jumped XXXX, my husband and I were helping my daughter and her XXXX children. I am now retired. Green Tree Servicing service this mortgage. I contacted a realtor and begin applying for short sales starting 18 months ago. I had to fax information and so did the realtor. We got a short sale approval then we were told we did not get a short sale approval. We needed to start over again. I had done everything they told me to do, the few times I have talked to someone I was told to leave a message with my account representative. I have left messages sent emails and left more messages. I got a supervisor 's name left messages and included her on emails. Collections continued calling, we would tell collections we are doing a short sale they would not know because one department area does not know what the other area has on file.. Personnel changes did not help the situation. In these XXXX months I have had XXXX different persons working with my account, if not more. We went to court ( XXXX/XXXX/XXXX ) and Ditech Foreclosure XXXX was present, I told her we have had offers on the property and have not heard from Ditech. She said she did not know anything about that in her area. My realtor told me they sent the offer to Ditech. I physically handed her ( the specialist ) a copy of the offer there at the courthouse. She said she would image it. I called ( approx. XX/XX/XXXX ) Ditech they said they did not see the offer. I called the Foreclosure Specialist she checked the file and the offer was there and had been there since XXXX/XXXX/XXXX. This has been the same kinds of scenarios we have had to endure all these months. Last week I was told by my realtor that Green Tree, who is now Ditech, actually called and I needed to fax more information to go forth. I faxed the information and I am waiting to hear from Ditech. Yesterday XXXX/XXXX/XXXX I got an email The buyer now wants their deposit back/withdraw their offer for the property because of the length of time this has taken. The house goes to foreclosure XXXX/XXXX/XXXX. I do n't want foreclosure on my credit report.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$900.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$230.00} XXXX PARTNERS XXXX - XX/XX/22 - {$170.00} XXXX XXXX XXXXXXXX - XX/XX/22 - {$180.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 2022-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: EAST WEST BANK (TX)

On Sunday, XX/XX/XXXX, I received a notice from East West Bank that my application was approved for an account through them. However, I never applied for a checking account through this institution. I attempted to contact them through their questions email ( XXXX ), but did not receive a response. This account was opened as the result of fraud.
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

on XX/XX/XXXX, with no notice, my bank accounts were locked and restricted at Chase Bank. After several hours on the phone and 2 trips to the local branch I was told it was due to my husband receiving unemployment funds. These funds are legitimate and we provided 20+ pages of documentation. Additionally my own payroll deposits from my employer were questioned and I was informed those funds are being held due as well. No matter what documentation we provide we were informed that our accounts are closed and any funds would eventually be returned to us, up to 4 months. This is crazy when the payments are legal and legit payments.
Consumer complaint received 2022-06-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2022 XXXX XXXX pulled my credit from Bank Of America after they were told several times not to and they assured me they would not. 
I spoke with the sales/financial manager XXXX and he stated they made a mistake but it was no way for them to remove it unless I disputed and they would not contest. I sent XXXX XXXX a letter on XX/XX/2022 as well, during that time asking them to remove both inquires because I received a inquire from XXXX XXXX XXXX Bank of America because of it. App # XXXX & App # XXXX. Please remove any inquires from XXXX XXXX XXXX Bank of America because of this issue.
Consumer complaint received 2022-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (NY)

Hi good afternoon My name is XXXX XXXX I'm XXXX XXXX XXXX and im a client of XXXX XXXX, After being a victim of Robinhood and have lost nearly XXXX from my XXXX  checking account usd I've contacted Robinhood however they were unwilling to provide a refund without providing any legitimate reason so I've requested them to close my account but they were unwilling, only until I've lost an additional XXXX usd, I then ask XXXX XXXX If they can investigate the matter but they were unwilling even just to take a look this has caused me a lot of stress and mental issues as well, im devastated by the despicable act of XXXX XXXX And I'd like you to please request from XXXX  to investigate the matter XXXX did not profom any due diligence while this transaction took place I've been decpted by XXXX and this is unacceptable behavior, Thank you so much for your service and have a nice day Sincerely, XXXX XXXX
Consumer complaint received 2015-12-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AL)

My complaint is with Ditech formerly known as GreenTree servicing LLC. I was informed by my Realtor on Saturday that he pulled up auction as he does and my home was listed to go up for auction on Monday XX/XX/XXXX. My home had been up for short sale and has some potential offers coming through. I made contact with Ditech Monday morning XX/XX/XXXX and talked with a rep and asked if sale could be postponed so my realtor can drop price and get an official offer. I was told by the XXXX rep that she will send to upper management and will callback within a hour. No callback so I called and was told still had not heard anything and that I should try back. I called back 2 more times and they new nothing. I called Tuesday morning and talked with my normal Rep XXXX. She looked over case and asks the normal questions is it your intent to keep the property as they do every time you call and I have been since XX/XX/XXXX been saying no its up for short sale. I asked her about auctioning of house scheduled for XX/XX/XXXX and that we have not received any notice and that only reason that we know if because of realtor seeing home on auction list that he gets. She said that we notified your realtor. I said no you didnt and why would you tell them and not send some sort of notice to me the homeowner. She then bags off and says well we cant speak with you because your intent is not to keep that property. I said that has been this way since XX/XX/XXXX and you all have called me 2-3 times a week. XXXX then states that they can talk to me if I call them. I told her once again they have been calling weekly. XXXX hangs puts a manager named XXXX on the line who tells me that my short sale was denied back on XX/XX/XXXX. I informed her that I was not under short sale then. She then tells me that it was denied XX/XX/XXXX. I told her I received a letter from them stating that my modification was denied and that I have other options such as Short Sale or Deed in Lieu of. I am supposed to be doing Short sale so what is problem. She said oh well nothing we can do. I then asked her when was I gon na be notified that house is up for auction and she tells me oh the sheriff will serve you or you will receive certified mail. Neither has happened and auction is on Monday XX/XX/XXXX and its XX/XX/XXXX. This is not the only issue with Ditech formerly known as GreenTree. I have never received notice that they were taken over by Ditech as recovered by law. I also have not received a statement from GreenTree/Ditech in almost 2 years. I have filled out modification paperwork over 7 times only to be denied each and everytime. The have violations they have committed.
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX/XXXX XXXX  XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XXXX XXXX XXXX/XXXX  DC XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX-XXXX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 1st Franklin Financial Corporation (NM)

Dear XXXX XXXX, I am sending this letter to inform you that I have filed a 1099 due to a recent credit report checking that showed my account being charged off since XX/XX/2022. 
After the finding of the charge off on my credit report, I have since sent a letter to the branch at XXXX XXXX XXXX XXXX and have attached a copy of such letter for your viewing. I have filed with the IRS, the CFPB, and I have also sent this information to the bureaus. 
As I have stated in the attached letter to the XXXX branch, I am requesting that the account be removed from my credit report within ten ( 10 ) business days from the date stated above of this notice.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 
-15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
- 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission. 
- 15 U.S.C 1692C : There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is an accurate, the date last active is an accurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-23
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FREEDOM FINANCIAL NETWORK (PA)

This company calls me every single day, multiple times a day, mostly at XXXX XXXX, but has recently been calling past XXXX, with the worst incident being after XXXX pm. The caller says that their name is XXXX XXXX and to call her at XXXX. I have explained the situation to them multiple times, however they will not leave me alone. They have yet to communicate with me through mail. Doing business with them was one of the biggest mistakes I have ever made.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXXXXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, 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 so XXXXXXXX XXXX has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and I didnt give them permission to do so.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 
-15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
- 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission. 
- 15 U.S.C 1692C : There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Consumer complaint received 2019-07-30
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. (IL)

Equifax ; XXXX and XXXX are reporting incorrectly ( 30 ) plus days late on the XXXX XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5, 6, and 7 of the attached credit report. ) These accounts are reporting the ownership status as joint. These accounts do not belong to me. I have attached documents of the relevant paragraphs from our divorce decree pertaining to the ownership of the mortgages which clearly show ownership of the properties as the responsibility of my ex-husband. Please see Paragraph 18 ( a ) and 18 ( b ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX stating 100 % ownership of these properties is allocated to my ex-husband wherein he is solely responsible for the mortgages and other debts and liabilities associated with these properties and he shall indemnify myself ( XXXX ) with regard to same. This incorrect reporting of these accounts is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2023-10-01
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. (TN)

XXXX XXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus transunion XXXX and XXXX
Consumer complaint received 2022-12-17
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. (DC)

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX 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 an 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