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: 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. (IL)

On XX/XX/21 I received a response from transunion stating that a bankruptcy on my report has been verified. If information that is being furnished MUST be verified and validated from the original source, not any other third party, How is it that Transunion can claim it is verified. Who has transunion spoken to to verifiy and validate this information at the US Bankruptcy court? I would like the name, contact information, and address of the persons contacted. Transunion is infringing on my privacy and defaming my character by furnishing this unverified and unvalidated information. This is not a dispute verifying its reporting but a dispute on the validation and verification of the item being reported. attached is the letter from the bankruptcy court stating they do no validate or verify ANY information with any 3rd party.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
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: Experian Information Solutions Inc. (GA)

Accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX 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 2015-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am not sure how this all works at all!!!!! This is the XXXX that I have ever checked my credit report at all. I have noticed that there is a lot wrong with it. and that is someone using my name and social security number. and as far I can tell it has started in 2008. Now I noticed that they have duplicated addresses on the reports, which it makes look like I move around a lot. also on XXXX report it has like XXXX phone numbers which some of them I 've never heard of myself. My concern is, is that there is someone using my personal information cause of some addresses on here that I have never live at in my life. and at the of them being on my report ( stating on report ) I was living in a whole different state at the time. I need to find someone to help me fix this & all this right on my credit report so I can find an apartment where I do live, which is Massachusetts. I would also like to get the person who is using my identity into trouble, cause this is not fair to fair to me at all for what they are doing, they are ruining my life, making it very difficult to get an apartment where I live or even open a credit card. I also would like to dispute the XXXX account that is on transunion report & then XXXX report has XXXX XXXX XXXX which I 've never heard of neither. so I need help disputing them please. there are on there also that I ca n't make out cause I did not get my full complete credit report that I was promised thru annual credit. com. so I guess I 've got to try to contact them & see they will give it to me. I also thought there was XXXX credit reports that was suppose to get from. but I only I received from XXXX, so what do I and where do I go from here???? please contact me.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I sent in my written disputes to cancel every collection account that appears on my credit reports. According to the Fair Credit Reporting Act sections 609 and 611, all of these collection accounts shall be removed from all of my credit reports.
Consumer complaint received 2022-03-28
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. (MD)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights as a consumer. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXo XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that.
Consumer complaint received 2023-02-23
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. (PA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 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: Experian Information Solutions Inc. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist bank never sent me a debit card, for starters. The wait time on the phone is upwards of two hours and then you get hung up on. I deposited a check last week and it has yet to show up in my account, so basically they have stolen my money. They will not respond to me.
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Winklevoss Exchange LLC (NY)

I am another victim of the theft of crypto assets from an IRA account maintained on Geminis XXXX exchange. On XX/XX/XXXX a bad actor was allowed to steal from my retirement account the amount of XXXX ( ~ {$42000.00} at the time event ). 
A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.
Consumer complaint received 2022-03-28
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: Fidelity National Information Services, Inc. (FNIS) (WI)

I never made this inquiry, I never been or went to this place. 
Inquiry name : XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Date : XX/XX/2021
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WV)

This complaint relates to a deceptive email that I received on XX/XX/22 from Freedom Mortgage, the servicer for the mortgage loan secured by my house in XXXX, NC. The email falsely said that lender-placed insurance had been purchased for me, and encouraged me to contact XXXX, a private company to help me find a " suitable policy. '' But I do not have lender-placed insurance on my home. There was a lender-placed insurance policy placed on my home by mistake in XXXX, that was retroactively cancelled within a few days. I have proof of this mistake, and its correction, through both my insurance provider and a letter from Freedom Mortgage dated XX/XX/22. 

When I received the email described above today I called Freedom and was told again that I do not have lender-placed insurance and that I need not worry. 

My complaint is that this email from Freedom Mortgage improperly tells me that I am still on a lender-placed insurance policy, and that I should contact XXXX to find a " suitable insurance policy. '' Many consumers would then call XXXX, and even though they already have homeowners insurance -- as I do -- and purchase a second homeowners policy. This would lead to unnecessary expense, confusion about coverage, as well as a waste of time. 

The email described was deceptive and is harmful to homeowners. For your reference, below is a copy of the email I received : Re : 2nd Notice : Your Lender-Placed Insurance Coverage From : Freedom Mortgage Corporation XXXX Reminder : Your Lender-Placed Insurance has the minimum coverage Dear XXX, We want to remind you that youre on a Lender-Placed Insurance plan, which provides only the minimum amount of coverage that Freedom Mortgage Corporation requires and usually doesnt include personal property or liability protection. This could mean that your policy may not cover the full replacement cost of your home, your personal belongings or accidents that occur to anyone on your property. It is also more expensive than most standard homeowners policies. 

How we can help Freedom Mortgage Corporation has partnered with XXXX XXXX to assist our customers on Lender-Placed Insurance in finding a more suitable policy. With over 30+ A-rated insurance carriers in their network, XXXX team of specialized agents will work with you to find a policy that provides the right amount of coverage at a more affordable price. 

Call XXXX [ there is a button that connects one to XXXX ] Schedule A Call
Consumer complaint received 2022-03-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

XXXX XXXX XXXX XXXX XXXX | Reviews | XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. ( XXXX ) XXXX. XXXX XXXXXXXX & XXXX. This business is not XXXX  XXXX. 

I paid XXXX XXXX XXXX XXXX XXXX XXXX in XXXX for a HSBC XXXX Bank credit card debt ( Card XXXX XXXX XXXX XXXX ). A new collection agency contacted me saying they are going to file a legal suit ( A & XXXX management ). I contacted XXXX XXXX XXXX XXXX at the above information to procure a paid in full letter to give to the new company. 

The person at the ( XXXX ) XXXX took my name and the last four digits of the card. I gave both. He said yes, we show that as paid. He then asked what is the available balance on the card. I said it was closed and charged off in XXXX. He said you have to tell me the available credit. I said : Well, okay then zero. In order for us to send out that letter, you have to get a HSBC Security Card. I asked for him to explain how I would get that. He said go a store that sells cards ( grocery, department or drugstore ) and buy it. I will wait on the phone. I said I am not in town. Please explain the process. H said you go in the store, go to the cards and get an XXXX card. I said with money on it? He said yes with {$200.00} on it. I said : All I want is a paid in full letter I shouldn't have to pay {$200.00} for that. He said : Why are you so negative? We will put the money toward the account. I said : I already paid the account in XXXX. He said, yes, I understand but let me tell you what happened : Someone used the account. You have been hacked. They did a lot of shopping on XXXX. For security, you send the card and we can close your account so that you do not have to go to court and it all gets settled and we can send the letter. I responded : You're a law firm and you are asking me for {$200.00} to send a paid letter for a debt you already collected? He responded : Whatever and hung up. 

I called back the XXXX XXXX XXXX XXXXXXXX and am now paying them again to avoid civil litigation. XXXX XXXX XXXX  settled for {$300.00} in two payments which I am paying because they say that the debt is still viable for civil litigation even though the last payment was made to HSBC XX/XX/XXXX and it was sent to collection XX/XX/XXXX and then paid to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX never sent a paid letter or email, but I do not still owe this HSBC debt and am now paying a second time. 

I wanted to see what would happen when I called back XXXX XXXX XXXX XXXX XXXX. Another man answered 'Microsoft XXXX. I explained that I had just spoken to someone about getting an XXXX card to release my paid letter from an old debt on a HSBC credit card He asked : Did you purchase the card? I said : No, I need to understand the process. He hung up.
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. (NJ)

Im accordance with the Fair Credit Reporting Act XXXX XXXX Account- # XXXX has violated my rights.

15 U.S.C. 1681 section 602.A. 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. 166b A Creditor : May not treat a payment on an open end consumer credit plan as a late for any reason.
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. (AK)

XXXX XXXX Bank Account # XXXX. 

XXXX XXXX Bank is reporting to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My credit cards are my business. My credit cards are my private information. XXXX XXXX Bank have reported my private information without my consent. XXXX XXXX Bank actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX Bank have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX XXXX Bank has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete XXXX XXXX Bank Account # 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX, 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 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: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NC)

I have been paying a very high interest loan that has used my vehicle as collateral. I have doubled up on the payments. However. I have been charged double interest on those payments instead of getting the 2nd payment applied to all principal. I called the store where I originally received the loan and they said they could not do it. They gave me customer care number and they only thing I can do is leave a number and I have called twice. This is a ridiculous about of interest and when I make a double payment the interest is higher then when I make only one payment. It is like their system is recognising the 2nd payment as a late payment for the payment already made. 
I have attached the XX/XX/XXXX statement but it only shows the payment on the first. I also made one on XX/XX/XXXX which I fear will be NOT be applied to principle only. I have also doubled up on payments in XX/XX/XXXX and XX/XX/XXXX and previous years. I want all the double payments applied to principle retroactively.
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NA., XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Consumer disputes this account information Medical Subject has not XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXXXXXXXXXXX**** -XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX  XXXXXXXXXXXXX**** -XXXX XXXX - - - - 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.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXXXXXX XXXX  {$3700.00} XXXX XXXX {$2100.00} XXXX {$220.00} Added XX/XX/XXXX Company was contacted by attorney for payment settlement offer and respones exceeded the insurance for pay out. Case opened XX/XX/XXXX & XX/XX/XXXX. Settlement with Insurance company was on XX/XX/XXXX. My attorney contacted XXXX XXXX, XXXX ( XXXX XXXX ) numerous times to no avail. I directed them back to my attorney and have since received numerous calls at all hours of the day. 

US Department of EducationXXXX {$53000.00} Added XX/XX/XXXX Company was contacted about student loan forgiveness application being submitted. They steadily increase the interest which has risen from {$33000.00} to {$53000.00}. Case Opened XX/XX/XXXX. Institution closed down citing financial challenges and accreditation issues. No transfer of credits. Student Loan debt clean. 

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX, XXXX and US Dept. of EducationXXXX have violated my rights. 

15 U.S.C1681 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.
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. (NJ)

15 USC 1681 I ( 5 ) Charge offs 15 USC 1601 Collections 15 USC 1692 c 15 USC 1681 ( 2 ) ( a ) ( i ) Income is a transaction and experience In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnauthorized Inquiries * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX