davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-21
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. (GA)

I am in total distress as to how your companies have handled my credit file. I have contacted several gov websites to ensure that Im not left liable for what your company has done to my credit. I have no control on how a company allows a breach to leak someones personal information and for that I have been led to file a complaint with the FTC along with filing a lawsuit against your company which we will begin litigation and a hearing soon. I have not been so XXXX as to how my file has been treated in the incorrect information that is on my credit file. There are so many errors listed on my credit file and I have sent several certified letters within the past few months and I havent seen any changes so I was forced to take the legal approach. I asked your company more than several times to show me any original contracts that has my signature bearing on to it and I never got a response. Remember its been more than a few months and going on 6 months now. I am looking for answers as to why your company has been not responding to my letters. Can you please explain why this process is taking a few months? I am allowing 3-5 business days to respond to my internal dispute and affidavit. This has been a very long uncomfortable process and I am seriously considering seeking an amount for damages that you have caused {$10000.00}.
Consumer complaint received 2018-04-21
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. (CA)

Experian refuses to remove or update information regarding the department of education from my report. The over payment debt was paid off and they keep reporting it as part of a bankruptcy and therefore should be removed.
Consumer complaint received 2020-06-05
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPTEDXXXX {$3300.00} XXXX {$400.00} XXXX {$640.00} XXXX {$190.00} XXXX {$630.00} XXXX {$360.00} XXXX XXXX {$520.00} XXXX {$3500.00} XXXX {$640.00}
Consumer complaint received 2020-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Estate Information Services, LLC (OH)

My father who served in the XXXX was Deceased on XX/XX/XXXX. I notified XXXX XX/XX/XXXX that my father had passed. They said they would take care of it when I called their customer service. 
On XX/XX/XXXX I spoke over the phone with attorney XXXX XXXX who filed what was needing in the court system my father had passed and the house was considered a homestead therefore a creditor could not come after the house once transferred into my name. I paid him {$1400.00} to file everything. 
Two weeks later my deceased father received a delinquency notice from XXXX. I called XXXX and they asked for money from the estate. They where informed there was nothing in the estate. They told me to apply the cash back bonus to the account. 
Several weeks later I received a call, a letter from Estate information Services. I informed them there is no estate. They said ok that was it. In XXXX XXXX I received calls and letters again from Estate information Services. I informed them the estate was insolvent. The rep replied ok. The next time I spoke with a rep they said they would still file a claim ... I told them it was insolvent.. I faxed them the court documents provided by my attorney .... A few days later I received another letter from Estate information service wanting me to settle on the account. I attempted to contact Estate information Service during regular business hours but they sent me to a voice mail and I asked them to stop attempting to collect from me. Do not call me again. Now, today I received court papers in the mail.
Consumer complaint received 2021-09-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was trying to buy tickets off someone online. I used the XXXX  extension available through my XXXX  XXXX XXXX account to transfer the money to the person I was supposedly buying the tickets from. I sent the money and then, when trying to get the tickets, the person didnt send anything. I then requested that they sent the money back to me through XXXX  and they blocked me. I contacted my bank and they claimed that they cant do anything since its already processing. I sent a request through the XXXX  extension for the person to send me back my money and they never responded. I just really hoped the bank would do something about it, but they couldnt even though the transaction wasnt fully processed, it was still just processing.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union (CO)

I opened a checking/savings account with First Tech FCU on XX/XX/2022. 

I made several deposits including the following : XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$2900.00} XX/XX/XXXX : {$990.00} XX/XX/XXXX : {$1900.00} On XX/XX/XXXX, I received a secure message that my account was temporarily suspended. 

I have contacted First Tech a number of times by phone, approximately every 2 weeks, to find out when I will be able to regain access to my account and have been provided no information. 

I have received no other correspondence via phone, email or mail since the secure message received on XX/XX/XXXX. 

As of the posting of this complaint, it has been XXXX  days since access to my account has been suspended.
Consumer complaint received 2022-06-15
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 Act, 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 an account without my written instructions
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

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 2022-06-18
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Acct 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 2022-03-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

On XX/XX/XXXX. I filed a complaint regarding the mishandling of my VA mortgage by Freedom Mortgage. 

The issue was addressed regarding my exemption of XXXX XXXX taxes, however, Freedom Mortgage continues to show my account as being delinquent regardless of my proven and documented mortgage payments. I have been advised that despite my exemption, and proof of payment, I am still delinquent for my XXXX payment. This is the fourth time I have addressed this matter with their Customer Service reps who each have offered differing excuses. I even paid a {$250.00} shortage for a XX/XX/XXXX payment, and was advised that this would bring my account up to date and that my new payment reflecting the non-advalorem taxes would take effect on XX/XX/XXXX. 
I HAVE RECEIVED NOTICES THAT MY ACCOUNT IS STILL DELINQUENT DESPITE HAVING DOCUMENTED PROOF OF MAKING THE MONTHLY PAYMENTS. The argument remains to be based on collecting the escrow for Taxes I did not owe!! The respondent to my first complaint was a XXXX XXXX XXXX, who no one seems to know at Customer Service. 

As a retired XXXX  Veteran, I truly find that such treatment and outright shuffle games are inconsistent with the espoused values of " taking care of veterans '' that such Financial Institutions often make to sell their services. The egregiousness of this whole issue is that I have spent over four months attempting to resolve this issue with little resolution. My next step is to initiate legal action against Freedom Mortgage for their incompetence in handling what should be a simple matter of reconciliation.
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX my Chase Visa Card was charged 77 ( seventy seven ) times with unauthorized charges. 76 ( seventy six ) of the charges were for {$200.00} each ( XXXX XXXX ) to  the same merchant. One charge was for {$600.00} ( XXXX XXXX ) to a different merchant. 
I called Chase in XXXX of XXXX immediately after I made the discovery of the charges. They subsequently removed the charges from my account. On XX/XX/XXXX Chase called and said I will have to pay the charges. They were not on my XX/XX/XXXX to XX/XX/XXXX statement but I do see the amount as of today on my Internet statement. 
Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-18
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. (FL)

after a check of my credit report i ask the credit bureaus to do a detailed verification of these accounts, all came back verified. after checking, i find multiple inconsistencies and errors with these accounts after they claimed to have did their checks, i also did not authorise in writing that these accounts be posted. 

in accordance to the fair credit reporting act XXXX  account has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (CA)

I deposited a bunch of checks from my mom to me for work I had done over the last year and her bank sent one of the checks not paid so for the last 7 days including the the weekend me and my mother mad multiple calls doing what ever pnc asked and they still have a hold on my funds now I have been lied to by the bankers from pnc and it got to the point where I could not feed my family all for a check signature that my mother authorized and fix with her bank and mine over the last seven days and still one of my accounts is still on hold this is bull and I am completely sick to my stomach because of how horrible these people are that just keeps putting the hold on so I cant do anything and they blocked my atm card so I cant access even the money that is released I believe that this was intentional to hurt me and I have no idea why but I think its time I talk to an attorney about this entire situation because I believe this is completely unfair I have done nothing wrong
Consumer complaint received 2022-03-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX Report # XXXX on XX/XX/XXXX has a negative account reporting from PORTFOLIO RECOVERY ASSOCIATES ( PRA ) with the original creditor XXXX  XXXX ( # XXXX ). This account has been under dispute multiple times for unauthorized reporting on my consumer report. XXXX, XXXX and XXXX have continued to report this account as a negative impact which has in return, ruined my reputation with future lenders to extend my credit. PRA claims they bought this account from XXXX  XXXX. As I have attached an identity theft report due to XXXX  XXXX not following the internal revenue service tax law. It is a tax fraud to not send copies of 1099-C, cancellation of debt and the 1099-OID Original Issue Discount forms. They have filed these forms without my authorization and then sold the alleged debt to a 3rd party to collect on an account that they have already received payment for through my social security number. This account has been reporting since XX/XX/XXXX which is more than enough time for either XXXX  XXXX or PRA to produce these tax forms and/or correct them. I am asking for the immediate deletion of this unauthorized account being reported on any consumer report I have mentioned, in addition to any I'm unaware of.
Consumer complaint received 2020-06-05
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPTEDXXXX {$3300.00} XXXX {$400.00} XXXX {$640.00} XXXX {$190.00} XXXX {$630.00} XXXX {$360.00} XXXX XXXX {$520.00} XXXX {$3500.00} XXXX {$640.00}
Consumer complaint received 2020-06-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I applied for a mortgage loan with Navy Federal Credit Union on XX/XX/2020. I submitted all of my income information, bank statements, W2s, tax transcripts. 

I was given an email address and phone number for the loan processor XXXX XXXX XXXX ID # XXXX Phone number ( XXXX ) XXXX x XXXX Email address XXXX I waited for 2 days on XX/XX/2020 I called XXXX in the morning for an Update. XXXX did not pick up so I left her a message. I called again 4 hours later, again no pick up and call back. On day 3 on XX/XX/2020, I called first thing in the morning around XXXX XXXX  thinking there may be a time difference, again left a message and no call-back. 

Day 4 on XX/XX/2020 I get an email with a document uploaded to my Navy Federal dashboard with my credit denial letter. 

I check my credit score my Navy Federal dashboard it is XXXX. They sent me a denial with a XXXX score. This enraged me since I had more than adequate income and availability of down payment for approval. I was not given a counter offer either and no one called me back. I feel they discriminated me as a minority and offer their no down payment programs to only their favored races. 

So I called them that even an FHA loan requires XXXX FICO, and my XXXX is XXXX then they said someone will call me back since I said I may file a complaint. I get a call this morning the lady says I need to call XXXX  because my credit score was under XXXX their guidelines. 

When I got denied credit, I applied at another mortgage company which pulled my credit again, which must have dropped my score from XXXX to XXXX, but that is still over their guidelines of XXXX. The mortgage company sent me a pre-approval and said I can start looking for homes. I even qualify for higher amount of loan. So I feel somewhere discrimination happened, either in processing or underwriting.
Consumer complaint received 2020-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (MO)

Paramount Recovery Systems, L.P. sent me a letter claiming that I owed XXXX for a XX/XX/XXXX visit to XXXX XXXX  located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX. The bill from Paramount Recovery Systems XXXX L.P. was dated XX/XX/XXXX and received XX/XX/XXXX. On XX/XX/XXXX I called Paramount Recovery Systems at XXXX XXXX XXXX XXXX and spoke to a representative at Ext XXXX. In this call I asked for proof of the debt and was told it would be sent. 
According to the billing department at XXXX ( was billed through XXXX XXXX  ) amount due from XX/XX/XXXX statement of XXXX was paid in full on XX/XX/XXXX. Furthermore, XXXX billing department claimed to " never have heard of '' XXXX XXXX XXXX. As of XX/XX/XXXX I have not received further verification of the debt owed in the mail.
Consumer complaint received 2022-06-15
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. (GA)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Credit Bureaus stated that they did a proper investigation on the accounts listed below. How is it possible when the open dates are inaccurate, the dates lasted reported are inaccurate, and account status are not accurate, etc. 

I requested that the credit bureaus " investigate every piece of information '' on the accounts listed below. According, to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to law.

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. 

XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2022-03-04
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. (GA)

XXXX Report # XXXX on XX/XX/XXXX has a negative account reporting from XXXX  XXXX XXXX ( XXXX ) with the original creditor XXXX  XXXX ( # XXXX ). This account has been under dispute multiple times for unauthorized reporting on my consumer report. XXXX, TRANSUNION and XXXX have continued to report this account as a negative impact which has in return, ruined my reputation with future lenders to extend my credit. XXXX claims they bought this account from XXXX  XXXX. As I have attached an identity theft report due to XXXX  XXXX not following the internal revenue service tax law. It is a tax fraud to not send copies of XXXX, cancellation of debt and the XXXX Original Issue Discount forms. They have filed these forms without my authorization and then sold the alleged debt to a XXXX party to collect on an account that they have already received payment for through my social security number. This account has been reporting since XX/XX/XXXX which is more than enough time for either XXXX  XXXX or XXXX to produce these tax forms and/or correct them. I am asking for the immediate deletion of this unauthorized account being reported on any consumer report I have mentioned, in addition to any I'm unaware of.
Consumer complaint received 2019-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

The mortgage company is charging my mortgage account with an unauthorized charge of {$37.00} monthly for an unauthorized optional service. The mortgage company is unable to provide me information as to who they are paying this monthly charge to, what is the optional service account number and what is the payment recipient 's contact information for me to remove the monthly charge from my mortgage account. This has been going on for several years now. And now, the mortgage company has started charging me monthly interest on my non-payment of this disputed monthly optional service charge. I need your help in having the mortgage company remove the {$37.00} monthly charge from my account and the interest on it. I have been trying to resolve this issue with the mortgage company for years now. Please help. Thank you PS My mortgage payments are never late. Most of the times, my mortgage payment is made earlier than the due date.