davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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)

According to 15 USC 1681 section 602 i have the right to privacy.

According to 15 USC 1681 section 604a section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by me the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

My accounts on all Credit bureaus XXXX, Transunion, XXXX are incorrect, If there is anything i did not include please add it in there for me.I want XXXX per violation and removed from my account with the maximum credit score adjusted immediately on all three credit bureaus. How is it they are all " supposed '' to have the same rating/scores but when i checked none are the same. The open date is inaccurate one says XXXX the other says XXXX, that in itself is a violation and it shows up 7 different times so thats 7 violations in school loans and it also needs to be removed right away, price owed on my school loans are inaccurate ( all 3 bureaus are inaccurate ), my Derogatory Accounts are all off ( only 2 match ) my Delinquent Accounts are off ( only 2 match ) Closed Accounts ( all three are wrong ) Open Accounts ( all 3 wrong.. XXXX, XXXX, transunion ) Total Accounts ( all three wrong ) Inquiries ( 1 wrong ). If im missing anything please add it in for me.. Like misspelling of my name, first and last and middle
Consumer complaint received 2022-08-31
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)

According to 15 USC 1681 section 602 i have the right to privacy.

According to 15 USC 1681 section 604a section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by me the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

My accounts on all Credit bureaus XXXX, XXXX, Equifax are incorrect, If there is anything i did not include please add it in there for me.I want XXXX per violation and removed from my account with the maximum credit score adjusted immediately on all three credit bureaus. How is it they are all " supposed '' to have the same rating/scores but when i checked none are the same. The open date is inaccurate one says XXXX the other says XXXX, that in itself is a violation and it shows up 7 different times so thats 7 violations in XXXX  loans and it also needs to be removed right away, price owed on my school loans are inaccurate ( all 3 bureaus are inaccurate ), my Derogatory Accounts are all off ( only 2 match ) my Delinquent Accounts are off ( only 2 match ) Closed Accounts ( all three are wrong ) Open Accounts ( all 3 wrong.. XXXX, Equifax, XXXX ) Total Accounts ( all three wrong ) Inquiries ( 1 wrong ). If im missing anything please add it in for me.. Like misspelling of my name, first and last and middle
Consumer complaint received 2022-08-31
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. (FL)

In accordance with the fair credit reporting act XXXX 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 customer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-24
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: Rocket Mortgage, LLC (FL)

On XX/XX/XXXX I checked my XXXX credit summary and discovered that an unauthorized hard credit hit was made on XX/XX/XXXX by XXXXRocket Mortgage ( XXXX ) ; resulting in a XXXX point credit score reduction on XX/XX/XXXX. That day I placed a call to Rocket Mortgage requesting information on who was responsible for this unauthorized hard credit pull.I was finally connected with XXXX XXXX, XXXX, and explained my concern regarding this unauthorized action.I explained to XXXX that I've had no communications with Rocket Mortgage in the last 12 months and certainly did not authorize any type of credit hit on my account. After requesting an answer to my complaint XXXX asked for more additional time to research this issue, which I approved.Five days later XXXX called to report that after checking his system he could not not find any information pertaining to this issue. After this conversation I filed a formal dispute with XXXX ( XXXX ) explaining that I never requested or approved any hard credit pull on my account and was requesting that my credit score be corrected.On XXXX, I received a follow-up call from XXXX XXXX explaining that a XXXX associated with Rocket Mortgage decided without any communication or approval to pull a hard credit report on my account. XXXX said after a " XXXX minute call '' with this banker, he explained that he pulled my credit file because he thought I might be able to get better rates, again completely unauthorized. 
As stated earlier without any conversation or authorization this banker pulled my credit report resulting in a XXXX point drop to my credit score, and ultimately causing a total drop of XXXX points.XXXX  then added that even though I never talked with or authorized any action to be taken on my account, Rocket Mortgage would not be able to correct this totally fraudulent action taken by this XXXX.XXXX  said that Rocket Mortgage would not be able to correct the illegal action and that it will stay on my record for 2 years. 
The total lack of acknowledging fault and then refusing to correct a problem that they created is totally unacceptable. 
I have filed complaints with the XXXX, this organization and will be filling additional complaints with FCRA and FTC and possible legal action for illegal actions.
Consumer complaint received 2022-04-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 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 permission
Consumer complaint received 2022-04-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 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 permission
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have contacted this company repeatedly to advise the car was purchased back and paid for by the dealership XXXX XXXX XXXX and the funds for the vehicle were cashed in XXXX and the remaining balance was sent and cashed by the company on XXXX XXXX, XXXX. They have now falsely reported to my credit a late payment to a car I have not had in over 6 months and in their system their last payment of record is XXXX which is incorrect. They have made my credit drop 51 points!!!! I even gave authorization for the dealership to contact the lender to provide the check number amount and confirmation of the check being cashed. This is not fair to me or my family!!
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

At XX/XX/XXXX, my wallet has been stolen and my Chase Freedom XXXX credit card has lost ( along with many other cards from different financial institution ). I was in the condition of moving-in to my new apartment so I haven't notice my wallet was lost until I got a fraud-transaction message from Chase Bank, asking me to verify that whether the {$700.00} transaction in XXXX XXXX  XXXX that they detected is a fraud transaction, I answer " NO '' to that text message. After that, I immediately called Chase to cancel whatever transaction that has been made that day and froze all of my cards, and they say that all of the transactions has been cancelled and I do not need to worry about it but just waiting to get my new cards. I also called the police to report this property lost because my driver license is also in my wallet, the police help me to place a fraud alert under my credit account, and I got a police report few days later. 

However, about one month later, I got a phone call from Chase fraud transaction review team, saying that this {$700.00} transaction is valid after their review, because I can not prove that I was not using that card at that time. I said that I called Chase and the police right after I found this fraud transaction, but they just said, " the police report is just what you told the police ''. I also provide them with the screenshot of my renew driver license, but they won't accept that as a valid evidence. Right now, they applied this {$700.00} to my new credit card account and ask me to pay for it, unless I can prove that I was not using the credit card at XXXX XX/XX/XXXX. I was staying at home all the time and couldn't get any evidence to show it, I am asking the XXXX footage of my apartment but it is very slow to wait for them getting back to me. I called the police at the second few weeks ago to report this crime in a much more detailed way, and I got a new police report but still no one is following up with my case. 

I just feel like I am a victim of everything, the Chase won't believe me, the police won't help me, the theft won't return my wallet back. I have already experienced a big loss of all of my other stuff in the wallet, but what Chase did to me is making my condition even worse. I am a loyal member of Chase, and I am using their cards for years, I even have a sapphire credit card, but the way the Chase representative talked to me via phone makes me feel like I am the suspect. I feel very disappointed about all of these things and really need support from CFPB.
Consumer complaint received 2017-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schreiber Law LLC (MA)

On XXXX XXXX, 2017 I received a letter from Schreiber/Cohen, LLC which I will attach. This letter is a notice of a debt collection for their client, XXXX XXXX, XXXX. The original creditor being XXXX , XXXX . 
I have never in my life even heard of XXXX XXXX. I have never in my life acquired debt from XXXX. 
I went online and read the long history of problems and deceitful practices by both Schreiber/Cohen,  LLC and XXXX XXXX. 

I think it is disgusting that this can happen to someone. I am in the process of going through a mortgage and if anything happens to disrupt this process I do n't know what I will do. I am SO upset about this. 

I had a recent problem with XXXX XXXX and their reporting of a debt, and the CFPB really helped me a lot. XXXX ultimately admitted the error and I would have never been able to do that on my own ... I tried, having spent hours on the phone. 

I am frankly fearful to even call this Schreiber/Cohen, LLC company after reading the stories about them online. I work full-time as a single parent and am in the midst of moving and I do n't have time to do what I did with XXXX. 
I responded in writing to Schreiber/Cohen within the 30 days they state that I need to do before the debt is then assumed to be " valid '' ... .seriously?? 

Please help!!
Consumer complaint received 2022-08-31
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. (NJ)

After requesting my credit report I found information has been furnished on the consumer report that caused discrimination against me, ruined my reputation, and caused harm to me and my family by not being able to get a better car and home due to this information on my consumer report. 

No one asked for my consent to report these accounts to my credit file, which is a clear violation of my rights according to 15 USC 1681b ( 2 ). 

Also the inquiries on my credit file again I didnt consent to them nor did I benefit from these inquiries. 

I have not been treated fair and equitably by the credit reporting agencies and there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (TX)

Account servicing on behalf of XXXX XXXX XXXX XXXX  was moved from PHH Mortgage Services to XXXX XXXX XX/XX/2019. Despite a letter from XXXX XXXX to PHH stating the account has been transferred and therefore closed, PHH continues to report the account incorrectly in open status, affecting my credit report. 

I have spoken to multiple people at PHH promising to resolve the issue over the course of the last year without resolution. Contacts include XXXX ( employee XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ). My latest interaction with XXXX XXXX XXXX ) was to send documentation of the issue from the credit bureau and two letters from XXXX XXXX clarifying the issue and the transfer to XXXX, these items are attached. I have emailed XXXX 3 times receiving no response despite his promise to respond immediate upon receipt of my emails.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC (TX)

On XX/XX/2022, I was being scammed from the Online shopping website XXXX XXXX XXXX, those scammers requested me make payment repeatly. As soon as i realize it was a scam, i contacted XXXX  XXXX XXXX immediately to stop payment.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: First Data Corporation (ID)

Hi, on XX/XX/18 I wrote a check at my local XXXX for {$45.00}. They said the ck. did not go through ETF so asked me to sign it so they could keep it and run it. I did this and told them to be sure they don't put it through twice on me. That is exactly what happened. On XX/XX/2018 and XX/XX/2018, XXXX ran the exact same check twice. Once ETF and once manually. When this came to my atten. on my back stmt. at the end of the month, I contacted my credit union and they investigated and it was a duplicate debit to my acct. and credited the {$45.00} back to me. XXXX was paid, and the MGR. XXXX, at XXXX, XXXX, Idaho stated we didn't owe them anything. In any event. Telecheck  has put a # 3/high risk code on my checking acct. and it is impossible to now cash checks in the small town I have lived and done business in for 17 years. In the 66 years I have lived, I have NEVER written a bad check. I am now holding up lines and constantly embarrassed anywhere the Telecheck  service is used. I have called them 3 times and talk to people who can barely speak English. I also sent in all my paperwork to an address in XXXX, MD. on XX/XX/18. Please help me get this off my acct. it is making a senior citizens life miserable. Changing the checking acct. won't help either from the other complaints I am reading regarding this Telecheck  company. XXXX is no help in removing this, they don't care about their customers. My husband wants to file a lawsuit which I would really rather not go there. Thank you for listening. 

XXXX XXXX
Consumer complaint received 2022-08-31
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. (CA)

I have repeatedly disputed XXXX XXXX credit card because its not mine and they refuse to remove it from my credit file. 

I also repeatedly have disputed XXXX XXXX XXXX AND XXXX XXXX XXXX because they have repeatedly failed to validate the debt and Ive never signed any type of contract with them or any company theyre claiming to represent. I want them off of all of my credit reports and XXXX XXXX XXXX  as well.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hey, this is XXXX im filing a complaint to dispute any problem that I did not do. My belongings got stolen and i been irritated, Im frustrated I been trying too open a bank it doesnt let me do to the problem with my XXXX XXXX about a year or 2 year ago my wallet got stolen and my phone I want to dispute the problem so I can open a bank account I work now and I cant even get direct deposit or apply for a debit card or make a checking account. I want to know if I can dispute my problem and be help, Im so frustrated about this. 
Thank you.
Consumer complaint received 2017-09-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

My mother and I jointly obtained a loan from XXXX XXXX XXXX Mortgage on XXXX/XXXX/XXXX in the amount of {$6100.00}. I stopped by their office and the lady was very rude stating " It left my office this morning and I could not offer life insurance on your mother ''. She kept my mothers XXXX certificate although she said she could not offer my mother life insurance for this loan. I think that was age discrimination and a joint account means two incomes had to be provided plus my mother putting her car up for collateral. I do not think this company is treating me fairly and they keep reporting to my credit bureaus. My mothers car is available and she should have been offered life insurance on this loan. I am XXXX and only draw a little over {$800.00} dollars that is why they had to have two incomes and collateral. They have had my mother sign contradicting letters and it seems that they twist things around to make them look good and collect the money. The pay off on this loan is over {$10000.00} with the interest. That is more than I make in a year. Can you please help me deal with this company that has cheated and twisted things around so much? Thank you very much and God Bless.
Consumer complaint received 2022-08-31
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX aoount 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 customer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (GA)

In XX/XX/2021, I faxed my 3 tax bills to Homeside to make sure that they had the bills in order to pay my property taxes from escrow. The 3bills are as follows : 1 - 2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- {$830.00} ( PAID ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- {$2200.00} ( PAID ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - {$200.00} ( NOT PAID ) I have corresponded with Customer Service and the Research Department by phone. I have also sent in multiple emails with the documentation including the bills, the deed to the property, as well as a map of the property. The tax commissioner also faxed in a letter explaining that my taxes were delinquent but Homeside maintains that their tax department 's research concluded that I owed no further taxes. Much to my surprise, the tax department can not provide documentation as to who they talked with and when they communicated with this person. I have requested that this information be provided, but to date, it has not. I am asking for Homeside to pay the taxes that are itemized in the bill as well as included in the closing documents. Additionally, I am asking them to pay for any late fees and/or interest associated with this incident. I should not be encumbered by any of the late fees or interest.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (IL)

Barclays card said my credit is good and that I have to send them additional document. The person on call quoted the Patriots Act and I asked why is it not mentioned when requesting for details of the application. I told them if I had known it would take 10 days to get the card then I would have not applied. The reason I applied for the card is to buy gift for someone within a day or two.

I then told them I do not need the card but they should reverse the hard hit on my credit. The Bank said they can not do anything. I spent 45 minutes explaining my predicament but looks like they do not care. 
All this happened on XX/XX/2018. I will never apply for BARCLAY bank 's card. 
This is for financing through the bank for XXXX products.