davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
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: Experian Information Solutions Inc. (TX)

XXXX XXXX has illegally placed a business loan into collections on my PERSONAL CREDIT REPORT & they immediately reported that I was at least 30 days late on my payments, which was an egregious fabrication. As the ppw that was recently sent from this companys VP, I was ONLY 17 days late as of XX/XX/2021, yet this is when they reported my account as a collection. This was also in spite of the fact that I was actively attempting to resolve this matter with this company and they proceeded to also FRAUDULENTLY pull a hard inquiry on my credit 64 days after my loan was already funded and approved. XXXX XXXX has malicious intent on this matter simply because I asserted my right to free speech and let many people know about how terrible of a company they are. Shortly after they found this out, my credit was pulled twice again and my credit score went from a XXXX to a XXXX. THE VICE PRESIDENT OF XXXX XXXX also submitted ALL of my very sensitive personal application information ( SSN, DOB, DL #. Home Address, Bank Account info, etc ) via an unsecured public server with no security whatsoever. If anyone in this company can go and pull customer credit files and just jot down their personal information, then what kind of protection is that?! None at all as far as I am Concerned.
Consumer complaint received 2022-04-08
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account Number 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 2022-01-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hey, I was taking advantage due to malpractice while several laws were broken, under the FCRA under your company. This has cause me financial injuries and this has cause me definition of character. I can't get a job and I can't apply for credit. And I can't not get and SBA loan and due to the pandemic crisis, and your company has hurt me to XXXX credit.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MO)

SANTANDER continues to inaccurately report information to XXXX and XXXX. I have pointed out several inaccuracies on this account to the credit bureaus and Santander. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. XXXX reports that the account was opened XX/XX/XXXX and XXXX reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also in a previous letter Santander claimed that the account charged off XX/XX/XXXX but reports that XX/XX/XXXX was the date of last payment. How could this be possible? This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted immediately.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

I pulled my EQUIFAX credit report through their website online XX/XX/XXXX. Then I decided to freeze my account, also done online. The last step in the Freeze process provided a page that " confirmed my transaction was successful, '' and provided a web link to a PDF that contained my Freeze PIN. I clicked on the link as directed and the PDF never loaded. Therefore, I never got my PIN. 

I called the phone number on the confirmation page, and the CSR told me she could mail the PIN to me and I would receive it within 7-10 working days. I requested the PIN immediately, because my EQUIFAX credit is now HELD HOSTAGE by them, and I am unable to manage MY OWN credit account. To make a long story short, over the last two days I've spoken with several EQUIFAX people, XXXX, XXXX, XXXX, XXXX and XXXX. ( Several of these people have foreign accents so thick that I couldn't understand them. ) Every one of them REQUIRES me to provide the last 4 digits of my Social Security number in order for them to help me. I refused to do so, because Social Security numbers are meant to be used ONLY as a vehicle for a person 's account with the Social Security Administration. 

XXXX, the last person I spoke to ( who refused to give me her last name initial, location or department name ). Instead, I wanted her to use the confirmation number on the credit report I pulled. She refused. ( She was at XXXX. ) At this point, I have no expectation that I will ever receive my EQUIFAX Credit Report PIN. The EQUIFAX online credit account Freeze process is misleading and unnecessarily difficult. By the way, I froze my XXXX  and XXXX accounts also on XX/XX/XXXX, with no problem whatsoever. 

PLEASE HELP!
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I had my mortgage loan with XXXX for past 10 years. Suddenly, I received a letter on XXXX and indicated XXXX would stop servcie our loan from XXXX XX/XX/XXXX and Rushmore, and the new loan company who bought our loan would start servicing our loan. Also, XXXX told us that we should receive the payment coupon from the new mortgage company. 

That was why we did n't given our morgage payment in XXXX becasue XXXX did n't mail the payment statement and coupon to us. At the same time, we were wariting for the Rushmore 's payment starting on XXXX XX/XX/XXXX. But we could n't recieve it, so inteand sending our XXXX XX/XX/XXXX payment to Rushmore, we sent it to XXXX. XXXX the XXXX received it, they sent us a letter that indicated our XXXX XX/XX/XXXX payment would be transferred to XXXX but XXXX told us this would be the XXXX time for the XXXX. On XXXX XX/XX/XXXX, we still could n't receive any payment coupon from Rushmore, but we decided to mail out payment to Rushmore anyway. We did it and Rushmore cashed it. 

Since we have never and ever received the payment coupon from Rushmore, the new loan company, we started to feel it must be something wrong. We did n't send our mortgage payment on XXXX XX/XX/XXXX. In XXXX XXXX we started to hear their complaints and recevied a complaint from the court and they asked the court to collect our past ten month mortgage missing payments. They indicated that we broken the contract, etc ... 

We sent my XXXX XXXX, XX/XX/XXXX mortgage payment to XXXX, they returned it to me. 

We got all our mortgage payments history and sent to them for the dispute on XXXX XXXX, XX/XX/XXXX, but they still sent us Notice Of Intent To Foreclose and said that if we do n't pay them total of {$62000.00}, the missing payment from XXXX XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX before XXXX XXXXXX/XX/XXXX, they will initiate foreclosure proceedings ... etc.. 

We do have the missing payment money for total of {$24000.00}, the current XXXX payments we owe to them but they do n't want it and they are demading on {$62000.00}, that we do n't have it. 

I will hire a attorney to send a lawsuit against the XXXX and this may be the only chice we have at this time becuase there is no way the Rushmore can do what they want and take our home as granted. 

Amyowner of the house!
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX youll seem on Page # XXXX with the letter dated XX/XX/XXXX from Wells Fargo to where they confirmed that they received the Mortgage Assistance Application and on Page # 1 they mentioned that theyre determining which payment assistance may be available. However on the letter dated XXXX XXXX Wells Fargo is lying by stating that they havent received anything on XX/XX/XXXX. These are evil and vindictive Customer Service Representatives. To whom are pretending to be Executives in the Office of the President but are just Customer Service Representatives who works at a Cubicle. And the mystery Preservation Specialist in the past hasnt returned any phone calls or been in touch with the third party. Plus they continues to harass me by sending letters addressed to XXXX XXXX who is mentally incapacitated and hasnt lived here since XXXX and hasnt been seen or heard from in nearly 8 years.
Consumer complaint received 2023-12-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Avadyne Health Holdings, Inc (NY)

HR account attempting to collect on exempt funds XXXX  was told XXXX  months ago to bill Medicaid for the balance of the copay that is due they said they will pay all pass due bills yet they sent it to collections knowing that I am exempt from debt col ; collection MEDICAID WILL PAY PASS DUE BILLS THEY MUST FILE CLAIM WITH MEDICAID
Consumer complaint received 2022-04-08
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)

I have contacted Transunion multiple times requesting an investigation to verify the unauthorized information and inquiries as I am a victim of fraud from a data breach from XXXX. I asked them to remove these fraudulent inquiries reporting on my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all according to the FCRA sec. 604 regarding Permisable Purpose. The inquiries listed on the attached documents were all unauthorized and are a result of identity theft.
Consumer complaint received 2022-01-24
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023, my XXXX XXXX  login was compromised and I was contacted immediately. The checking/savings/debit cards were suspended and new accounts were opened. 
I had started an external transfer to Chase Bank ( not knowing of the XXXX issue ). 
Chase did not receive the funds and automatically received a fraud alert. 
XXXX provided a response to Chase on XX/XX/2023 to clarify that it was not fraud. 
Thus far, Chase has not released access to any of my accounts. 
Their XXXX XXXX Department is handling this matter. 
No one can contact that department. They rely on notating the accounts. 
I can not access/close those Chase accounts. 
Chase reps can see how many times I've called, and the notes. However, the " right people '' are not responding. 
I would like to access my accounts... .there 's been no fraud to Chase!
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (CA)

I asked for debt validation on XX/XX/22 as I've never received anything from this company and on XX/XX/22 received a letter from XXXX fraud department. I just received notification from the credit reporting agency that a new collection was added to my report as now this company is reporting two times with two different dates. I called and ask them to verify and was told by XXXX that I could not request this over the phone and he hung up. They are in volitions of my credit rights.
Consumer complaint received 2022-01-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

Hey on XXXX/XXXX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-01-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

15 USC 1681c-2 ( a ). i submitted an identify theft report to the Federal Trade Commission. Attached is my identity theft report. Block the requested information off my report. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC (NY)

I am, XXXX XXXX and I Am submitting this complaint against XXXX and Valor Intelligent Processing there is no Third Party involved.Included in the Exhibits you will find my efforts to try to resolve a billing error with XXXX XXXX in which was delivered by certified mail XXXX on XXXX XXXX. XXXX has failed to acknowledge receipt of my billing error dispute stating Valor Intelligent Processing has the account in attempt to collect an alleged debt on an account in which I have reason to believe there exist a computational error and misapplied credits. Additionally as of a recent review of my consumer report on XX/XX/2022 XXXX has furnished negative inaccurate reporting to XXXX, XXXX, and XXXX ( Exhibit Attached ) Pursuant to regulation V this information lacks accuracy and integrity and I demand the furnisher XXXX to delete the account pursuant XXXX XXXX XXXX the account along with my other requests attached in my Exhibit. I did not give my written consent for you to furnish any information to XXXX, XXXX Or XXXX nor did I give my direct written consent to Valor Intelligent Processing to have my information if such a document exists with such permission provide it to me for my inspection.You have caused me injury from your conduct.This complaint shall serve as my second Notice of a billing error dispute.
Consumer complaint received 2022-01-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I've reached out about this account multiple times and have yet to get the issue resolved. The credit bureaus are reporting inaccurate unverified info on my credit report that I want to be deleted immediately. Please see attached documentation
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that the Consumer impacting unethical incentives, misleading process, and incompetent processing by XXXX AND XXXX XXXX is resulting in considerable financial damage to me personally. 

My credit report shows a {$200.00} balance was charged off by XXXX XXXX AND XXXX. I was NEVER sent a physical charge card. I was NEVER sent ANY statement. 

I have carefully built over a 40 year credit history with no missed payment. This unethical and incompetent behavior by XXXX and XXXX XXXX is impacting me financially. 

The reporting shows I applied for {$200.00} credit during checkout process during XXXX as part of instant credit offering and it was not paid back. But, again, I NEVER received a charge card, not did I ever receive a statement from either XXXX XXXX or XXXX. 

My request is to remove this damaging information from my credit report. I offered to pay {$200.00} even if the checkout clerk opened an account in my name without my permission.
Consumer complaint received 2022-04-08
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: GOLDMAN SACHS BANK USA (TX)

I received a letter from " Marcus by Goldman Sachs '' saying that they had run a credit report to determine loan eligibility. I'd never given them permission to do that. It's infuriating that they would do this illegally without my consent.
Consumer complaint received 2022-01-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've reached out about this account multiple times and have yet to get the issue resolved. The credit bureaus are reporting inaccurate unverified info on my credit report that I want to be deleted immediately. Please see attached documentation