davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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 # numbers 1st account is XXXX XXXX, XXXX account is XXXX bank XXXX, and XXXX XXXX XXXXXXXX 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 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (CA)

XXXX c/o PHH mortgage alleged that I owed monthly payment which was forwarded to PHH. I disputed the amount on the PHH collection letter and requested written verification of the amount allegedly owed. That letter was sent on XX/XX/year> and to date, XX/XX/year>, PHH HAS NOT provided my requested information.

Subsequently, PHH has sent me XXXX additional collection letter with XXXX different dates XX/XX/year> & XX/XX/year> informing me of pending foreclosure action against my home by PHH Mortgage Services. 

PHH is continuing its predatory collection actions. By its actions, PHH holds itself above the law.

I dispute 100 % of the alleged amount PHH says I owe and continues to threatening to take away my home. 

On XX/XX/year>, PHH sent a person to my home who identified herself as an employee of PHH. This person took pictures of my home and told my family member that I was going to get evicted & my house was already sold- which is NOT factual
Consumer complaint received 2021-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please be advised The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX # XXXX {$780.00}, XXXX XXXX # XXXX {$380.00}, XXXX # XXXX {$180.00}, XXXX XXXX XXXX  # XXXX {$560.00}, XXXX XXXX # XXXX {$510.00}, XXXX XXXX XXXX # XXXX {$150.00}, XXXX XXXX # XXXX {$150.00}, XXXX XXXX # XXXX {$670.00}, XXXX XXXX # XXXX {$280.00}, XXXX XXXX # XXXX {$210.00}, XXXX XXXX # XXXX {$280.00}
Consumer complaint received 2017-08-24
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. (MS)

Transunion had two separate glitches XX/XX/XXXX- XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. 

During these time I used XXXX to monitor my credit file. All of my inquires were removed during the glitches. The inquires were placed back on my credit report illegally after the glitches were discovered. I was not notified in writing 5 days after the inquires were added back to my report. I have called several times and spoke to representatives about this violation with no solution.
Consumer complaint received 2021-12-13
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)

XXXX XXXX  obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. XXXX XXXX  ( XXXX XXXX XXXX ) obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2021-08-25
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. (NV)

i XXXX XXXX bought a condo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nevada XXXX in XX/XX/... on my experian report is a house XXXX XXXX XXXX XXXX XXXX nv XXXX... i did not purchas this in XXXXits on my credit report causing problems..i have sent written letter in XXXX  to experian to take it off this i did not buy..im wondering why did this guy use my ss # and have it put on my credit report..here is the info on house on XXXX XXXX ... single family XXXX XXXXXXXX XXXX address id # XXXX ... its been 3 years now how long does experian take to get this off my report..i have done everything short of going to this mans house and march him ti a lawyer so he can tell someone why he put on my credit report..i am refinancing my condo on XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX and its still there..
Consumer complaint received 2021-12-13
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: Bread Financial Holdings, Inc. (VA)

XXXX XXXX Account Number XXXX I the consumer entered into a consumer credit transaction with Victoria Secret on or around XX/XX/2017. I entered this transaction using my open end credit plan. I have been injured by the deceitful misrepresentation of Victoria Secret. I wrote into Victoria Secret a validation of debt. I did not receive the 5 required items according to congress when a validation of an alleged debt is requested. Furthermore, Victoria Secret has sold this account and has another company ADS with my personal information now alleging that I am in debt with them. 

As a consumer my consumer rights have been violated pursuant to 15 USC 1681b which states that my information should not be furnished unless in response to subpoena in connection with Federal grand jury or in written instructions, by myself the consumer which I have not. I am prepared to pursue legal action against this third party collection agency if my information is not immediately removed from all three credit reporting agencies. 

Both Victoria Secret and ADS have committed fraud and several violations of the FDCPA and TILA. ADS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery is not licensed to collect debts in Florida, they have hired a law firm in wisconsin to come after me for an old {$4500.00} credit debt that portfolio purchased.
Consumer complaint received 2023-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (TX)

Affirm - a credit company that gives shoppers another to pay for their online purchases. I had someone call me from Affirm ( XXXX-located in California XXXX on XXXX XXXX XXXX  saying that someone was trying to open up an account in my name and that I needed to fill in that I refused the debt. The number he was calling from was definitely the Affirm phone number. After this happened, I call Affirm and told them about what happened because I felt that the call was fraudulent. The next thing I know is that I owed Affirm {$2100.00} that I did not owe. I tried telling Affirm that this was a fraudulent loan. They said that they would investigate but it would take up to 90 days to resolve and that I would have to make the payments anyway. I told them that I would not make payments on a loan that I did not owe. They will not let you speak with anyone at Affirm and all discussions about this matter is done by email only. I joined XXXX and a XXXX XXXX XXXX has been trying to help me get this issue resolved for several months now. Affirm send me an email on XX/XX/XXXX that they found that this was my loan and I had to pay. After I made a complaint with the better business bureau and I thought that I had made XXXX with you, they said they would reopen the case. The XXXX  rep and call Affirm about every XXXX weeks to see if they have finally resolved the issue.
Consumer complaint received 2018-07-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

My morgage has been in forebearance since hurrican Irma hit FL back in XX/XX/XXXX/XX/XX/XXXX. My insurance company setteled my claim but the money is being held by Quicken Loans out of XXXX, MI. Repairs have been complete for over two weeks and Quicken can not get their outside vendor ( inpector ) to call me and schedule an inspection to verify repairs have been made -- -so that the balance of the money can be transfered to me. My house is up for sale b/c I am XXXX XXXX and need to move to WA state for my next XXXX assignment.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I spoke with four different reps and there was ABSOLUTELY no consistency in the communication. I called to get my credit freeze lifted for 24 hours because your website won't allow me to make any updates/changes. I was told by the second rep that it was due to an error code on my profile and she said that she created a ticket to have it corrected within 24-48 hours. 
The fourth rep/supervisor said that the previous rep should've given more info regarding the error and he said that he was going to submit a maintenance request and the completion time was five business days. Nevertheless, none of the reps would lift the freeze temporarily because they said that I failed to authenticate even though most of the questions were not regarding XXXX XXXX. The second rep said that most of the time, the questions could be pertaining to identity theft and therefore shouldn't be asked at all. I reached out via chat and that rep didn't ask me any of those questions and I was told that my freeze was temporarily lifted. The supervisor refuted that info and said that a lift request is immediate and he didn't see that the request was completed.
Consumer complaint received 2021-12-13
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. (IL)

In XX/XX/XXXX I applied for credit and was denied. I then pulled my credit reports and found several accounts between XXXX and XXXX that were not mine. The first thing I did was file an FTC report and a police report. I contacted each credit bureau via their online dispute centers and disputed the identity theft items with my police report and FTC report. 

XXXX sent me an affidavit to fill out and have notorized, which I did withint 3 days of receiving it. However, XXXX verified the information as accurate before they received my notarized affidavit. When I check on my dispute with XXXX they show no record of it. I filed another dispute with my police report, identity theft report, and notarized identity theft affidavit. 

XXXX 's portall did not let me upload documents so I sent them via certified mail on XX/XX/XXXX and XX/XX/XXXX. At this time XXXX has verified the items as accurate despite my police report, FTC report, and affidavit. 

Experian did not let me submit an online dispute and seemed to be having technical issues. I sent my dispute, police report, and FTC report via certified mail on XX/XX/XXXX and sent my notarized affidavit on XX/XX/XXXX. 

I have also contacted each creditor with the same documents but the remaining 5 accounts refuse to remove the fraudulent accounts. Two state a payment was made to open the account but my bank account was also compromised at that time. The accounts remaing on my credit reports are : XXXX. XXXX XXXX  - Account also reported by XXXX XXXX XXXX XXXX. XXXX XXXX - Also reported by XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX. XXXX XXXX XXXX XXXX - Also reported by XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also reported by XXXXXXXX XXXX XXXX XXXX XXXX. I have a current account with XXXX XXXX opened in XXXX The identity theft occured while I had a family member living with me. This family member has been removed from my home. After he was removed I was forced to close my XXXX XXXX member account and open a new one because someone had access to my online account and transfered several thousand dollars to a person that I don't know. The person returned the money through his bank after realizing it was sent to him fraudulently by someone pretending to offer him a job. All identity theft accounts opened were likely linked to that account.
Consumer complaint received 2021-08-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

This complaint is about Experian XXXX and their false and misleading television advertising. 

In their television ads, they claim they will gather information on recurring payments made to utilities and entertainment providers. 

One example they site is XXXX. I pay for XXXX every month for years, and Experian XXXX refuses to include XXXX in my XXXX  Report and resulting Credit Score. 

I have contacted Experian XXXX  numerous times in writing over this omission and the fact that they advertise extensively that they WILL ADD XXXX payments to my XXXX  Report and subsequent XXXX  Credit Score. 

This advertising is a LIE, it is FALSE and MISLEADING, and they know it is false and misleading and yet still continue to advertise that they include payments to XXXX in their Experian XXXX  product. 

Nothing has worked to get Experian 's attention and get them to fix whatever the problem might be. I have even submitted copies of my bank statements to them showing the payments to XXXX and still, they do nothing. 

Experian needs to be held accountable by the CFPB and the FTC for their bad behavior and completely unresponsive customer support.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC Bank USA has begun charging a fee when you pay your Mastercard bill, on time. 
This was written in small print to begin XX/XX/2018 without any reason given. Though only a dollar ( on my credit card bill ), it could increase without warning. 
I went to the bank, spoke with the banker and the teller. They claimed to know nothing about this. When I phoned, only robot offers given for responses. 
HSBC gives very little interest, even on a {$40000.00} savings. The Mastercard web site mentioned that the bank is responsible for the fee, as the issuer of the card.
Consumer complaint received 2022-10-11
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2019-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.
Consumer complaint received 2022-02-09
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. (TX)

I have noticed two unauthorize inquiries on my XXXXExperian Credit Report. I have reached out to the reporting companies, and it appears the issue remain unresolved.
Consumer complaint received 2021-12-13
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. (IL)

In XX/XX/XXXX I applied for credit and was denied. I then pulled my credit reports and found several accounts between XXXX and XXXX that were not mine. The first thing I did was file an FTC report and a police report. I contacted each credit bureau via their online dispute centers and disputed the identity theft items with my police report and FTC report. 

XXXX sent me an affidavit to fill out and have notorized, which I did withint 3 days of receiving it. However, XXXX verified the information as accurate before they received my notarized affidavit. When I check on my dispute with XXXX they show no record of it. I filed another dispute with my police report, identity theft report, and notarized identity theft affidavit. 

Equifax 's portall did not let me upload documents so I sent them via certified mail on XX/XX/XXXX and XX/XX/XXXX. At this time Equifax has verified the items as accurate despite my police report, FTC report, and affidavit. 

XXXX did not let me submit an online dispute and seemed to be having technical issues. I sent my dispute, police report, and FTC report via certified mail on XX/XX/XXXX and sent my notarized affidavit on XX/XX/XXXX. 

I have also contacted each creditor with the same documents but the remaining XXXX accounts refuse to remove the fraudulent accounts. XXXX state a payment was made to open the account but my bank account was also compromised at that time. The accounts remaing on my credit reports are : XXXX. XXXX XXXX  - Account also reported by XXXX XXXX XXXX XXXX. XXXX XXXX - Also reported by XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX. XXXX XXXX XXXX XXXX - Also reported by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also reported by XXXX funding and XXXX XXXX. I have a current account with XXXX XXXX opened in XXXX The identity theft occured while I had a family member living with me. This family member has been removed from my home. After he was removed I was forced to close my XXXX XXXX member account and open a new one because someone had access to my online account and transfered several thousand dollars to a person that I don't know. The person returned the money through his bank after realizing it was sent to him fraudulently by someone pretending to offer him a job. All identity theft accounts opened were likely linked to that account.
Consumer complaint received 2021-08-25
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. (TX)

I filed Disputes with all three credit bureau reporting agencies on XX/XX/2021 ( Experian ), XX/XX/2021 ( XXXX ) and XX/XX/2021 ( XXXX  ) against XXXX XXXX XXXX. As of XX/XX/2021, my XXXX  XXXX XXXX student loan was paid in full and therefore closed. On XX/XX/2021, both Experian and XXXX  closed my Disputes with no change to my account balance and status, because XXXX XXXX XXXX advised each that I still have a balance when in fact that was ABSOLUTELY false and unsubstantiated by their own records. I dont know why XXXX XXXX XXXX would intentionally provide a fraudulent response, one that has harmed me and caused extreme stress.
Consumer complaint received 2017-08-24
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: Experian Information Solutions Inc. (TN)

I submitted a compliant with the CFPB 60 days ago regarding an account that appeared on my credit report that listed an amount that I did not owe. XXXX XXXX XXXX ) According to CFPB XXXX XXXX submitted a dispute to the credit bureaus ; Experian, XXXX and XXXX but I never heard any of you. I want my credit report updated and this account removed.
Consumer complaint received 2021-08-25
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. (TX)

I filed Disputes with all three credit bureau reporting agencies on XX/XX/2021 ( XXXX  XXXX, XX/XX/2021 ( Equifax XXXX and XX/XX/2021 XXXX XXXX XXXX against XXXX XXXX XXXX. As of XX/XX/2021, my XXXX  XXXX XXXX student loan was paid in full and therefore closed. On XX/XX/2021, both XXXX  and XXXX  closed my Disputes with no change to my account balance and status, because XXXX XXXX XXXX  advised each that I still have a balance when in fact that was ABSOLUTELY false and unsubstantiated by their own records. I dont know why XXXX XXXX XXXX would intentionally provide a fraudulent response, one that has harmed me and caused extreme stress.