davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
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)

transunion credit reporting has violated my privacy rights 15 U.S.C 1681 section 602a states that i have the right to privacy U.S.C. 1681 section604a scetion 2 states that a consumer reporting agency can not furnish an account or my personal information without my written or verbal consent i did not give transunion nor the following companies consent to furnish information, after multiple attempts transunion ignores my request for debt validation so i can follow up with compaines. these are not my accounts and need to be removed asap 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX inquiries_ 1 ) XXXX XXXX 2 ) dept of education 3 ) XXXX  4 ) XXXX XXXX  XXXX  ) XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX  8 ) XXXX 9 ) XXXX 10 ) XXXX  11 ) XXXX 12 ) XXXX 13 ) XXXX 14 ) XXXX 15 ) XXXX 16 ) XXXXXXXX XXXX XXXX 17 ) XXXX XXXX 18 ) XXXX XXXX 19 ) XXXX
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

Ok so I opened an account at truist-during a time where i was going thru some crypto scam and my account at XXXX XXXX XXXXXXXX had been compromised. Plus credit cards were being opened in my name by " someone ''. anyway i opened an account online w Truist and deposited {$10.00} then " someone '' deposited checks x 3 totaling around {$5500.00} and now I am responsible. I dont understand if these checks were cashed why were they when only {$10.00} in account? why were they cashed? I did not deposit these checks nor do i know who did but now I am somehow responsible for {$5500.00}. I just sent in a payment plan -- -bc basically i dont want it to go against my credit -- I value that too much and also its embarassing. I did file complaint w fraud but account was dismissed quickly -- at time i was going thru so much w XXXX  that i was exhausted w it all. Please advise. XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked at a copy of my credit report. It stated that the credit inquiry mentioned below was the source of the credit request. On the other hand, I did not authorize this inquiry. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

To whom it may concern. 

On XXXX XXXX, I sold my vehicle to a company called XXXX. The car that was sold was a XXXX XXXX XXXX XXXX which was financed through XXXX XXXX. After the selling of my vehicle, I noticed that my loan was still showing active with XXXX XXXX. This was a huge red flag. I looked at my other car loan company ( Capital One ) and saw that my XXXX XXXX XXXX was showing paid off. So, XXXX mistakenly paid off the wrong vehicle. After going through months and months and multiple phone calls and emails I was able to correct the issue and reinstate my loan with Capital One. Very frustrating process, but I was able to pay off XXXX XXXX Capital One reinstated my loan stating that I was 90 days past due. This dropped my credit score roughly XXXX Points nearly ruining my credit score. I have sent Capital One a Credit Bureau dispute form per their request to fix, but I am uncertain if they will really help given the issues I have had with them. 

My father reached out to me and gave me this web site as a POC to help me with this credit dispute. Please help any way you can please! 

Thank you in advance! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-07
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'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 XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the presence of fraudulent accounts on my credit report that have not been removed despite previous requests and confirmed identity theft documentation. It is my understanding that failure to comply with the law by removing these fraudulent accounts constitutes a violation of regulations governing credit reporting. 
Account Information : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

my mortgage co. is..freedom mortgage... i took a forebarance on my house for a year..i started paying on my house again afterwards..i never missed a payment befor or after the forbarance..i got my forbarance papers the first week of XXXX XXXX.they came with my ex wife name on them..i called freedom mortgage the same day to explain the papers were wrong..i was told they would redo them... i called every other week for months to see where they were..and then..early XXXX.im told they need the deed... i called my lawyer and he sent the deed to me and freedom mortgage..i also sent them... i called twice a month or more to get a update... then im told by freedom mortgage several times its not the right deed ... so in XXXX me and my lawyer have a 3way call with freedom mortgage... they finally agree the deed was correct..since then still nothing..they also tagged my credit as 180 days late ... my understanding is thats illegal to do that when im in forebarance or loss mitagation which i still am..i also recieved no less than 4 foreclosure notices on my house..freedom mortgage has told me not to worry about them..they even told me that on the 3way call with my lawyer..i feel that my rights have been violated and want this corrected immediatly..i still donot have my forebarance papers 10 months later..
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

I have sent documented requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX requesting validation of this debt with my wet-signature where I have entered into an agreement with this company. This company is not able to nor have Midland Credit Management supplied me with any documentation where I have entered into an agreement or binding contract with them. 

The most recent bully tactic being used is a lawsuit threat dated XX/XX/XXXX for services I have never received from Midland Credit Management. I am being harassed for {$2200.00} worth of debt from this company and it is preventing my ability to gain credit because an egregious debt from Midland Credit Management is listed on all three of my credit bureau reports.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AR)

I am not able to view my credit report on this company 's website or on my annual free score. I have also been disputing incorrect information for three years and this company keeps saying they have verified the account but the report that the company sent me in the mail shows the same errors. I uploaded my exhibits with this compliant.
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cooling & Winter LLC (GA)

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Cooling & Winters for committing fraud and identity theft. I have never contracted with Cooling & Winters and I did not authorize nor consent to the use of any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe them. These abusive, deceptive, and unfair debt collection practices committed by Cooling & Winters, have brought me severe stress and anxiety. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations u

nder 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any
communication and collection activity, of this and any alleged debts until Cooling & Winters, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Cooling & Winters, continues its collection efforts, I will file for litigation for actual damages caused, and Cooling & Winters will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2019, I received unsolicited offer in the mail from Chase Bank for the United Club Mileage Plus card. This offer was the United Club Card Intro Offer-First Year Free. It states " With this invitation-only offer, you'll enjoy a {$0.00} Introductory Annual Fee for the first year, then {$450.00} '' with a response by XX/XX/2019. I applied for the card and was accepted and received the card in the mail shortly after. My first charge on the card was XX/XX/2019. On XX/XX/2019, I was charged the {$450.00} fee that was supposed to be waived. I contacted Chase and was told I 'was n't eligible for the offer. ' I was going abroad and needed/planned to use the card so I paid the fee with the intent to contest the fee at a later date which I am doing now. I have the mailing/offer with my name and address on it in my possession. 

This is bait and switch and I want a refund of the {$450.00} fee I paid.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-04-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Augusta Collection Agency, Inc. (GA)

In 2017 I was transferred to the XXXX  and after a while XXXX XXXX XXXX sent a surprise bill with astronomical fees added and refuse to file this against my insurance .They have put this on my credit report and damage my credit and financial well XXXX XXXX XXXX has a history of mistreatment patients with surprise medical bills for many years and need to be investigated thoroughly! Please assist me in getting legal action against this company for damages and charging a {$2200.00}. fee for a local transfer to the XXXX
Consumer complaint received 2022-04-22
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 Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-22
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 Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Parkway Financial Group, LLC (CA)

On XX/XX/22 an official request was made with my lender Inspire Home Loans servicer XXXX XXXX to begin the BPO process to remove the mortgage insurance and escrow payments from my mortgage.

A Brokers Price Opinion ( BPO ) would be required to assess the current value of the home. 

On XX/XX/22 an automated email was sent to me saying the request was being forwarded to the loan specialist department. 

No contact was made by the lending company over the next few weeks. 

On XX/XX/22 I reached out via phone to the lending company again and asked for an update on my request. At that time the lending company charged and withdrew a {$150.00} BPO fee from me and stated an appraiser would be on calendar to visit my home and give the new appraised price.

A few weeks went by and there was still no contact by a BPO appraiser or the lending company. 

On XX/XX/22 I reached out to the lending company via phone requesting an update. At this time the phone agent XXXX informed me my {$150.00} payment was mistakingly applied to my principal balance and that the process to re-appropriate the funds and schedule a BPO appraiser to visit my property would not take place until XX/XX/22. 

At this point it will be close to two months from the original request to the time someone finally comes out to my property for the BPO appraisal. 

Consumer protections state this process should be timely and communication should take place throughout the process. The experience with Inspire Home Loans and XXXX XXXX have been neither.
Consumer complaint received 2022-04-22
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. (KY)

Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-04-22
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. (IN)

In accordance with the Fair Credit Reporting Act the listed accounts below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 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 7 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 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (VA)

I received a notice on XX/XX/22 that my mortgage would be transferred from HomePoint Financial to a different servicer, XXXX XXXX, as of XX/XX/22. This appears to violate the 15-day notice requirement under 12 CFR 1024.33 ( b ).

In addition, the notification did not provide any contact information for the transferee servicer, which also appears to violate 12 CFR 1024.33 ( b ).
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (KY)

I have a XXXX XXXX XXXX, and a business checking through Chase bank. Someone hacked into the tshirt company that I order my blank shirts from and made 22 orders under my account and company debit card. All of these orders were shipped to New York. I have filed a police report. I have closed my account with the tshirt vendor and cancelled the debit card from Chase. There was about {$8500.00} worth of charges that were not authorized by me taken directly from my account. I have never shipped an order to New york. Chase says it isnt fraud because I regularly use this vendor, but I sent them all the invoices showing that the goods were not shipped to me or received by me., or authorized purchases. I have filed a claim with Chase 3 different times. I have contacted the office of comptroller of the currency who sent me to you. I do not know what else to do. This was absolutely fraud on my debit card and I am currently in the negative with my checking account at chase. PLEASE HELP ME GET MY MONEY BACK! 

I do not have the documents scanned into this computer but I will happily fax them somewhere if you could please forward me the fax info.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX sold this account to XXXX XXXX. XXXX XXXX hired XXXX, XXXX and XXXX XXXX XXXX XXXX to garnish {$8000.00} from my income. Approximately {$1600.00} was collected through XXXX XXXX XXXX in XXXX, Virginia through this garnishment. A payment plan was installed with XXXX XXXX and XXXX XXXX XXXX XXXX for the remaining amount to be paid in the amount of {$130.00} due on the XXXX of each month beginning XX/XX/2022. Payment plan is active and current as of XX/XX/2022.