davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX 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 2022-04-12
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. (NC)

In accordance to the Fair Credit Reporting act XXXX account XXXX XXXX acct # XXXX, XXXX XXXX  acct XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, original creditor monthly payment acct # XXXX, XXXX acct # XXXX 120 day late payment, XXXX XXXX XXXX XXXX 30 and 60 day late payment have 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (IL)

My wife and I have our mortgage with CMC funding ( XXXX ) after we refinanced over the summer. Our first payment was due in XXXX After we made the payment, I called the company in late XXXX to set up biweekly payments to be made. The representative I spoke with set up up for the incorrect amount which I realized when I received a paper copy about 8 days later. Start date was supposed to be on XX/XX/XXXX. I called again and set up the biweekly payments again with a new representative with the start date of XX/XX/XXXX. He told me that we would no longer have to make the monthly payments. 

I began receiving calls from the number listed above this past week but no voicemail was left. I finally searched the number after 2 calls in the same day ( XX/XX/XXXX ) and realized it was our lender. I called them back and the representative informed me that we had not made our XXXX payment yet. I informed him of our biweekly payment that we set up in early XXXX. He stated that the previous 2 representatives did not set that up correctly and would need to be cancelled. He then said if I would want to set up the biweekly payments I would need to prepay my mortgage 45 days out which would mean paying both of the XXXX and XXXX payments now ( which neither representative previous informed me of ). I asked him XXXX on a recorded line ) that there was supposed to be a debit on XX/XX/XXXX and he assured me it would not occur ( on my call today on XX/XX/XXXX the representative informed me that it needs to be done 3 days previous to the draft which the representative on XX/XX/XXXX did not state ). I checked my banking account this morning and it did occur. I just called them today and asked for a refund of my money and the representative said it would take up to 3 weeks for the check although they had debited my account previous to XXXX on XX/XX/XXXX. He stated I could use that payment as a credit to my account for the XXXX payment. I am unsure if they will actually do this or not though and will probably have to call again. I also asked to speak with a manager while we were on the phone and he would not do this and stated that one will " call me back. '' Todays representative also said I could pay my XXXX payment now over the phone ( but did not state that there is a {$12.00} fee associated with this that a previous representative informed me of ). 

When I spoke with a representative on XX/XX/XXXX I asked why they do not leave a voicemail and was informed that " anyone can listen to those so they do not want private information being intercepted. '' I do not have their number in my phone so I comes up as a unknown number. Personally I feel this is a predatory practice as the consumer does not know their mortgage company is attempting to contact them. With all my encounters with this company I have noticed several " predatory '' like practices that they are. There is no accountability on there end as if we do not pay them, they have the ability to foreclose our house.
Consumer complaint received 2022-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (CO)

On about XX/XX/XXXX I received a document in my mailbox. It was from a debt collection agency, Frontline Asset Strategies. It stated I owed them {$810.00} a XXXX  debt in my name. I disputed the debt and checked the box, and asked for a verification letter. I also included a letter explaining I had my bank statements going back to XXXX, showing all my monthly phone payments. And letting them know I have been with my current cell phone provider for over 7 years. I never heard anything back from them, they never sent the verification letter... nothing! 
Then shortly afterward ( around 5 days ) another debt collector showed up on my credit report. Their name is XXXX XXXX XXXX, and they never sent me anything. Now they, XXXX XXXX XXXX, are all over my credit report. I think they are in some sort of partnership with each other. All I can say is these two debt collectors have made my life miserable, just because they could. I have spent many hours trying to figure out what to do. Shouldn't they have to provide at least some sort of proof? I can not imagine how I ended up in this situation. Thank you for taking the time to read this.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IN)

I bought music equipment from the merchant. It was several items. They sent in two separate shipments. One shipment arrived and one shipment was returned to the merchant. The merchant will not credit me for the items I didn't receive and they will not respond to my requests for a refund. Paypal Credit/Syncrhony Bank will not help me and refuses to chargeback the merchant. I have sent proof from XXXX that the merchant received the items back and I supplied emails stating the merchant would refund me upon receipt of the items. Paypal credit has denied my dispute 3 times now and will not provide me with a reason.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

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. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-12-17
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (OH)

Hello, I have been dealing with this debt for two years now from Hunter Warfield. I do not deal with debt collectors via telephone, I explain that I only deal in writing and to send me the details of the alleged debt. This debt was sold to them by XXXX XXXX XXXX in XX/XX/2019. The company claimed that I owed for something I disputed with them. I explained this in the initial conversation with Hunter Warfield along with giving the instruction to send the debt to me in writing. I have yet to receive any written communication from them and XXXX XXXX XXXX has no records of this debt in their system. I have recently had two negative hits on my credit report from Hunter Warfield. I have not been given the proper documentation and they are not taking illegal action to place this on my credit report without going through the proper procedure of debt collection.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

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 is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-05-20
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. (LA)

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 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 2023-02-21
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-05-20
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. (LA)

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 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 2022-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

JPMorgan Chase unexpectedly closed all of my accounts including two checking, savings, and two credit cards without explanation. I received a letter indicating that it was due to a " connection to a publicly reported financial investigation '' but upon inquiring about the reasoning, the bank refuses to give any information about the investigation. 

I am not under any investigation that I'm aware of, and have no knowledge as to what this could possibly be about.
Consumer complaint received 2022-12-16
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. (AZ)

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor is reporting inaccurate information and has violated my rights for this account : XXXX XXXX XXXX XX/XX/2016 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I've attached my driver 's license and a piece of mail with my current address on it.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have tried on several occasions to repair my credit with equifax, XXXX and XXXX for the ELIMINATION of accounts that are being reported incorrectly. several accounts are in XXXX but the account status is open, the last dates of activity are reported differently in each credit bureau, how is it possible? I have sent them letters where I point out the errors in the accounts and they ignore my request. 

The accounts I need removed because they violate the FCRA ARE : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX The balance owed on this debt is allegedly XXXX and the highest balance is XXXX, this is a violation of my right to a Fair Credit Report. 

XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX This account is reporting the last activity date differently in equifax and XXXX, late payments are also reported on different dates, I am entitled to fair credit, errors like these are unacceptable XXXX XXXX XXXXXXXX account number XXXX This account is reporting the balance due other than the highest balance,. Additionally, I was reviewing it and its reporting the XXXX XXXX XXXX XXXX XXXX' Accordingly to the FCRA, it's illegal to report current payment history on a Charge off account. I have the right to an accurate credit file and discrepancies like this are unacceptable. 

XXXX XXXX XXXX account number XXXX The last day of activity, account status on this account are reporting differently on the XXXX credit bureaus. i have the right to an accurate credit file and discrepancies like this are unacceptable. 

XXXX XXXX XXXX XXXX XXXX account number XXXX The last day of activity, last payment on this account are reporting differently on the XXXX credit bureaus. Additionally, I was reviewing it and its reporting the XXXX XXXX XXXX XXXX XXXX  Accordingly to the FCRA, it's illegal to report current payment history on a Charge off account. I have the right to an accurate credit file and discrepancies like this are unacceptable.
Consumer complaint received 2022-05-20
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. (PA)

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 

Personal Information : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MO)

I have been trying to get the title for a lease vehicle that has been paid off since XXXX XXXX XXXX. The original title was sent in with the payoff check in XX/XX/2021. I kept calling to see where my title was. XXXX said they did not get my title. They got the check and the paperwork. They said it was my problem. They said it needed to send an odometer reading, which was done many times. Then they said I had not paid my personal taxes. They never sent them to me because they had no interest in the vehicle. I have been hung up on, screamed at and called a liar. I paid personal property tax for a state I have not lived in for XXXX years because they said if I pay them they would release the title. That was XXXX months ago. Now they say a duplicate title was sent to XXXX XXXX but it was filled out incorrectly. XXXX says they will not sign the title, even though they sent a no interest letter. I have been making payments to my credit union for a year, but still have no title. My tags are up at the end of XXXX. I will have to pay a XXXX dollar penalty for not having my new tags. This is not right. I paid personal tax for the wrong county and now I have to pay a penalty for something I did not do. Please help. I dont know what else to do.
Consumer complaint received 2022-05-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed out letters to XXXX and Transunion on XXXX. They have yet to respond to my dispute of inaccurate information being reported and it been over 30 days. They are not adhering to their own policies with response time.
Consumer complaint received 2024-02-16
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. (GA)

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 been waiting for the credit bureaus response and its really making XXXX XXXX XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-05-20
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. (VA)

The Credit bureaus listed the following inquiries on my report without my written permission. These are all grounds for removal They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions. 
They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute. 
They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer List of inaccurate inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 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 the information is inaccurate. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions... 

Inaccurate Accounts : XXXX XXXX ( Delete account, Not my account, Fraudulent account ) XXXX- ( Account paid and closed, Never had late payments, Reporting out dated information, Company charged me a down payment for a credit transaction, Delete late payment history and update account ) XXXX XXXX XXXX XXXX- ( Never had late payments, Delete late payment history and update account ) XXXX XXXX XXXX XXXX- ( Never had late payments, Delete late payment history and update account ) XXXX- Not mine, Fraudulent inquiry, No authorization to pull my credit profile, Delete inquiry and update profile. 

XXXX Not mine, Fraudulent inquiry, No authorization to pull my credit profile ... Delete inquiry and update profile. 

I've disputed these accounts all of 2022 starting in XXXX and they are still being reported inaccurately on my credit profile. These companies are not doing any proper investigations. How does this continue to happen and be allowed?