davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 2022-05-13
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. (CA)

I have made a Fraud alert with the federal trade commission involving identity theft. The following INQUIRIES ARE FRAUDULENT, REMOVE THEM ALL IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have made a Fraud alert with the federal trade commission involving identity theft. The following INQUIRIES ARE FRAUDULENT, REMOVE THEM ALL IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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. (FL)

My personal belongings were stolen from me some time ago when my vehicle was broken into. I never was aware of credit so upon checking my credit report recently and trying to get things in order I noticed some accounts were opened without my consent or knowledge. I tried contacting the companies on different occasions I can recall the dates with several failed attempts to remove this information from my credit report. I submitted a FTC report on XX/XX/XXXX and I sent it to Experian, XXXX and XXXX on XX/XX/XXXX, they received it on XX/XX/XXXX and they have not removed these accounts from my credit report even though the according to the FCRA they're suppose to remove them in 4 Business days. There are 3 accounts XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$10000.00}, XXXX $ XXXX. Included are the FTC report, my dispute letter and proof from the post office and fax document number that I sent these letters and the CRA 'S received them.
Consumer complaint received 2022-10-26
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-13
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. (FL)

My personal belongings were stolen from me some time ago when my vehicle was broken into. I never was aware of credit so upon checking my credit report recently and trying to get things in order I noticed some accounts were opened without my consent or knowledge. I tried contacting the companies on different occasions I can recall the dates with several failed attempts to remove this information from my credit report. I submitted a FTC report on XX/XX/XXXX and I sent it to XXXX, XXXX and Equifax on XX/XX/XXXX, they received it on XX/XX/XXXX and they have not removed these accounts from my credit report even though the according to the FCRA they're suppose to remove them in 4 Business days. There are 3 accounts XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$10000.00}, XXXX $ XXXX. Included are the FTC report, my dispute letter and proof from the post office and fax document number that I sent these letters and the CRA 'S received them.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My personal belongings were stolen from me some time ago when my vehicle was broken into. I never was aware of credit so upon checking my credit report recently and trying to get things in order I noticed some accounts were opened without my consent or knowledge. I tried contacting the companies on different occasions I can recall the dates with several failed attempts to remove this information from my credit report. I submitted a FTC report on XX/XX/XXXX and I sent it to XXXX, Transunion and XXXX on XX/XX/XXXX, they received it on XX/XX/XXXX and they have not removed these accounts from my credit report even though the according to the FCRA they're suppose to remove them in 4 Business days. There are 3 accounts XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$10000.00}, XXXX $ XXXX. Included are the FTC report, my dispute letter and proof from the post office and fax document number that I sent these letters and the CRA 'S received them.
Consumer complaint received 2017-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I have repeatedly, for years been solicited at my home address by CapitalOne to open a credit card account. Various names appear on the offers including my adult children who no longer live at my address or my nick name, or half of my surname ... it is endless. Multiple times I have contacted them and told them to cease from sending these solicitations.most recently I spoke to XXXX on X/XX/17 and again to XXXX on X/XX/17 informing them again never to send a solicitation to my address. I want these offers to cease immediately and forever before someone damages my credit.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction Please remove these accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit reporting Act XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy 15 USC 1681 section 602 A states I have a right to privacy These addresses do not belong on my credit report Please delete all inaccurate personal information XXXX XXXX XXXX Former XXXX XXXX XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX Former XXXX XXXX XXXX Former : XXXX XXXX Also Known As XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc (TX)

In XX/XX/2021 I did a 12 month COVID 19 Forbearance with Mid-America Mortgage. They assured me through the CARES Act that it would not report negatively on my credit. At the end of it I chose an option, allowed to me as a XXXX XXXX loan, to do a streamline modification. They tried to force me into other options by sending me the wrong docs, and I finally got them to do the streamline. They told me that their policy is to have me pay 3 payments and that after that it will be streamlined. I just made my third payment, and got a notification from XXXX that there has been a massive change to my credit score. They reported me as missing 12 payments totaling over {$33000.00}. It dropped my credit score from the XXXX to XXXX. I reported it to them and they told me they would put it under review and it could take up to 45 days if they were to fix it. That was last week. As of today they reported me late again. My understanding of the Cares act is this should not be reported as delinquent unless I defaulted on the loan after the forbearance was done. To this day, I can not make payments online. They still have me marked as in a loss mitigation and I have to make payments by calling them.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

Hi, on XX/XX/XXXX i made with JP Morgan Chase my bank a wire transfer to XXXX using XXXX  payment. This are 5 single wire transfers of the amount of {$5000.00} each. i have a business company in the XXXX where i created 5 orders for those transactions with a contract. The wire left my bank on the XXXX of XXXX. I did ask the bank associate if my bank would support and execute the XXXX transfer ( XXXX XXXXXXXX XXXXXXXX XXXX  ), the associate could not answer me my question but telling me as long the swift code will appear everything should go smooth. I waited for 5 business days and than contacted the company in the XXXX if there had receive my funds which was denied. On XX/XX/XXXX i did visit my bank to find out what happen to my wire. My associate made a phone call being connected 3 times ( assuming involving banks for the transfer ) and than letting me know the wires where completed. After that i did checked for more than one week with the company in XXXX and there receivers bank if my funds are arrived and there did NOT. On XX/XX/XXXX i visit my bank again to ask where my wire fund are, no answer and no responsibility taken. On XX/XX/XXXX i went back again very disappointed and one of the associate started making copies of my wire contracts and sending those to the wire tracking department. On XX/XX/XXXX i had to make a call to chase costumer service after not hearing back anything for the wire tracing, the associate told me i can request a wire recall and 2 days later the first wire of {$5000.00} did came back to my account, i was happy to see this happening after 2.5 weeks not knowing what happen. So i was thinking the rest will just come in in the next days and after 3 days not receiving any of the other 4 wires i had to call again, the associate told me i only requested one  wire recall which is not correct, i requested all 5 wires. So than i requested all 4 outstanding wire funds for a recall. I received the 2nd wire 2 days later and since than up until today the XX/XX/XXXX nothing more came back in. 3 wires are still missing. I did write an e mail to the CEO of chase and received a call on XX/XX/XXXX from XXXX XXXX executive department, she assured me to look in to this case to see where my 3 remaining wire are. Today XX/XX/XXXX i did not received a call back nor did i received my XXXX missing wires of each {$5000.00} I need help, also i lost so far {$5000.00} in business with my company in the XXXX.
Consumer complaint received 2023-01-13
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. (AL)

These companies are no longer available due companies close down no longer a hospital XXXX people person information identity theft required full investigation an disclosure if u can't provide anything I requested everything should be removed off my credit report I requested to dispute it from my credit report
Consumer complaint received 2022-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation (IN)

I applied for an Automotive Loan approximately 2 weeks ago at XXXX XXXX in XXXX for a XXXX XXXXXXXX XXXX, the Finance amount was supposed to be {$10000.00} My Credit Score is Average to Good. And the Interest Rate for THAT DAY was around 4-5 % when I checked it. After Obtaining & Securing my loan, about 3 Days Later I Logged in to my account to See and Check the Terms of my Loan, but the Interest Rate was Missing and Not Shown, so I called and asked if they could send me the terms of my loan to my Email, or via USPS. about 3 days later, I received in the Mail a Statement of the VERY SAME THING I saw Online. a Simple Statement of the Balance, Payment amount, but the box where the Interest Rate Was, was BLANK. It became VERY Obvious even from the first time I logged in to my account that this Company was using DECEPTIVE PRACTICES by HIDING the INTEREST Rate from the Borrower. After Calling In Again and Complaining, It was Revealed that my interest Rate was an OUTRAGEOUSLY HIGH 12.4 % More than DOUBLE the Prime Rate. A Second Statement was Mailed to me Disclosing the Interest Rate. This is Not only PREDATORY and DECEPTIVE, but there is absolutely NO REASON Why I should have been given an Interest Rate MORE than DOUBLE the Prime Rate, with Average to Good Credit.
Consumer complaint received 2022-05-13
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TN)

Nationstar Aka Mr. Cooper failed to report my mortgage account as paid in full to the credit bureaus, the account was paid in full as of the beginning of XXXX of 2022. I worked very hard to paid this account off therefore the account should be reported in a timely matter. I attached a copy of my XXXX credit report.
Consumer complaint received 2022-05-13
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. (NC)

On XX/XX/2022 I decided to take a look at my credit report. I noticed inaccurate reporting for XXXX XXXX XXXX I disputed this account immediately when the balance was {$520.00} and closed. The account was then updated as being OPEN and with a balance of {$520.00}. I disputed it again and the balance was updated to {$530.00} and 66 months late with XXXX and 24 months late with Transunion. XXXX saw the inaccuracies and deleted the account but XXXX and Transunion have not responded. This account is inaccurate and I have given them the chance to delete the account from my credit report. I have the right to have a 100 % accurate credit report.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (GA)

An inquiry was made to my consumer report on XX/XX/2022 as a result of identity theft. I did not apply for credit with Comenity Capital for a XXXX XXXXCC. I have attached my W2, utility bill, and identity theft report.
Consumer complaint received 2023-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (HI)

On XX/XX/2023 I received an email notification regarding a negative account being reported on my credit reports ( XXXX & XXXX ). I have been monitoring my reports closely due to preparing to build a home. Vance & Huffman has reported an account to the credit bureaus without properly notifying me with a validation information notice required under 12 CFR 1006.34. I have not received ANY communication regarding this debt prior to it being reported to my credit reports, as the only information I have is what is being reported to the credit bureaus.
Consumer complaint received 2022-05-13
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. (TX)

I recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by Equifax. I have disputed with Equifax, and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to Equifax. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX  Issue : Duplicate
Consumer complaint received 2018-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MI)

My mortgage was unfortunately sold to Amerihome, and I can not wait to be able to refinance somewhere else. Last year I fell 1 month behind on payments while on maternity leave. I was sending in payments as I was able, about once a week, not realizing this would throw my payments off. After many calls back and forth to them ( the specific name I believe was XXXX, though spelling may be off ) I was able to catch up, and this was verified by them, as well. Then the next month, a payment was lost it misapplied. After getting multiple proofs of payments that I did, indeed, pay them, they credited my account. Then all of a sudden they tell me Im still a month behind! Apparently they say they accidentally credited my account twice, none of which is obvious to me on their awful website, and that essentially Im responsible for their mistake. Ive sent in so much paperwork with proof of payments from my credit union, and even an XXXX  spreadsheet on all of the payments I made. Its hard to talk with anyone on the phone because it always ends up in around an hour phone call. XXXX just stopped calling me back and eventually became quite rude to me. So now Im accruing late fees, and the late payments are affecting my credit score. So over this company and their predatory practices.
Consumer complaint received 2017-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CO)

Hello, I applied for and received a XXXX XXXX XXXX XXXX XXXX credit card. Although I fulfilled the spending requirements the Barclays did not provided the promised rewards. I complained both over the phone and then in writing, on X/XX/2017, please see attached scanned documents. This attachment includes : 1 ) my written complaint to Barclay, which details the rewards received, versus the rewards promised, 2 ) a copy of the XXXX XXXX XXXX XXXX offer, which supports my request, and 3 ) the answer received from Barclays, which just states We are currently unable to complete your request. This is unacceptable, Barclays should complain with its own offer!
Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CO XXXX
Consumer complaint received 2022-05-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (GA)

An inquiry was made to my consumer report on XX/XX/2022 as a result of identity theft. I did not apply for credit with OneMain. I have attached my W2, utility bill, and identity theft report.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (GA)

An inquiry was made to my consumer report on XX/XX/2021 as a result of identity theft. I did not apply for credit with Comenity Bank for a XXXX credit card. I have attached my W2, utility bill, and identity theft report.