davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-24
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. (FL)

THIS IS NOT A DUPLICATE REPORT - 1ST REPORT # XXXX I received a " standard response '' that explained the report - it had no " response '' to my complaint. Which primarily explained the difference between the hard and soft inquiries. 

I called the CFPB and was told that I would need to file a NEW complaint even though they did not address the issue of the first complaint. I did respond to that complaint after receiving their response, but they did not address the issue. 

This response DID NOT respond to my MAIN complaint which is primarily about SOFT INQUIRIES MADE - I was told these Soft Inquiries could be " stopped/not allowed '' if I sent in by mail additional PERSONAL INFORMATION : Copy of my driver 's license, copy of bank statement or electric bill. 

This company has NO RIGHT TO ASK FOR THIS information. Since they already have enough personal information I REFUSE to send them BY MAIL or any other means a copy of my Driver 's License and/or bank statement etc. 

This is an invasion of my privacy which opens up more exposure to hackers of additional personal information. They just responded to an explanation of their policy - not to my complaint. 

I want soft inquiries stopped from being allowed by ANY company - especially since I am never late - I have opted out with the government website for all solicitations of any kind. And even if I am a credit card holder with a particular company - they should not be allowed to keep checking my credit report without my permission. 

If they can stop these soft inquiries by me sending in more information, by mail, they can certainly stop them through this complaint. 

The only response I should receive from this company is that they have " stopped allowing '' SOFT INQUIRIES too.
Consumer complaint received 2015-04-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: First Associates Loan Servicing LLC (MI)

I have attended XXXX XXXX XXXX since 2009 in XXXX Michigan ( XXXX XXXX Big XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX ), took a break and due to the opportunity scholarship that they promote decided to go back and finish my XXXX Degree. I was informed that I qualified to attend two years free tuition with no payments having to be made. Not even a full XXXX semesters in, I am getting e-mails and calls that I owe {$600.00} plus tuition for each semester. I informed XXXX XXXX that I was set up by a fin-aid representative by the name of XXXX that I would be attending free for two years due to me being a former " student '' and qualifying for the scholarship. She informed me that it was only for XXXX semester and that I now owe {$600.00} plus for a prior semester of which I was supplied with the " scholarship. '' I informed XXXX XXXX that if I knew that I would end up having to pay the upward amount of {$600.00} per semester I would not have attended XXXX XXXX. I feel that I was lied to and manipulated into receiving said scholarship. I am now receiving bills for having to pay unsubsidized and subsidized loans around the mark of {$18000.00} and {$16000.00} respectively. I would like my information to be added to the lawsuit because they are predatory and falsify information to benefit the schools profit.
Consumer complaint received 2021-08-23
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (OR)

In late XXXX, I discovered by myself that the XXXX payment for my loan had not been paid. I was never contacted about non-payment throughout XXXX, I had no idea until I had checked my bank balance. The company seem to make no effort to contact me about the missed payment. 

Later, I contacted their representative as soon as I found out. I was told on the phone so long as I submitted a payment with the amount due, and the amount that was coming due that I would receive no penalty or have it show up on my Credit Report. 

Come a few months later when looking to purchase a new home and I was reported for a non-payment. I contacted thier help center and they were not able to fix the issue. So I took their advice and messaged them on their website to get the same response. 

I'm not looking for a lot, I am looking to get my credit for non-payment resolved as was told they would do.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (PA)

I used a promotional check offer from Barclays Card ( XXXX XXXX XXXX ) in the amount of {$3000.00}. I still have the letter and the other two unused checks. 

The date the check ( cashed was XX/XX/XXXX. The date the charge posted to my account was XXXX. 

The terms of the promotional check : 0 % APR through the last billing cycle that ends on or after XX/XX/XXXX. After the promo period ends, the standard APR for balance transfers will be charged. 

Balance Transfer must post to your account by XX/XX/XXXX for promo APR to apply. 

Fee is {$5.00} or 4 % of the amount of each transactions, which ever is great, for transctions that post to account by XX/XX/XXXX. 

I was charged {$150.00} for the fee. 

The {$3000.00} was posted to my account at 24.99 % the standard balance transfer rate.
Consumer complaint received 2021-06-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. ()

Hello, I have withdrawn XXXX XXXX  cryptocurrencies via XXXX XXXX on XX/XX/XXXX XXXX. I entered my wallet address incorrectly when I was going to withdraw to another exchange ( XXXX XXXX ). When I realized it, I contacted my exchange, but they said that they could not stop the transaction, the support line did not deal with the transaction in any way, they just said they were sorry and the transaction could not be withdrawn, they did not accept my loss in any way. Plase help me?
Consumer complaint received 2022-03-21
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: CITIBANK, N.A. (WA)

I am a long term customer of CitiCards ( XXXX  ) with a high level of " XXXX XXXX. '' I took advantage of a promotional offer of a {$20000.00} advance@ 6.99 % on XXXX, I ascertained that my monthly payments would be for new purchases first, since any unpaid balance would have a high interest rate. 

Subsequently I was offered another promotional offer for new purchases which would be held@ 1.99 % .which I accepted. It was not made clear to me that by accepting this offer, that my payments would then go to the cash advance instead of to new purchases. {$18000.00} in payments over the last several months went to the cash advance rate of 6.99 % instead of to new purchases. I now received a surprising interest charge of {$230.00}, based on accumulated new charges. 

This is clear case of bait and switch.
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (NC)

XXXX XXXX sold my medical information to XXXX XXXX, which I did not give my permission for them to give my information and a company can't not give another company my information because of HIPPA Laws and Breech of contract please remove from my repost immediately. I have already told them to stop reporting information on my CRA
Consumer complaint received 2016-02-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Medical Management, Inc. (NY)

The collection company, financial recoveries, claims that they sent me the verification letter after they talked to me, but the fact is that 1 ) I did not remembered that they ever contacted me and 2 ) I never received the verification letter. I do n't know this debt until the landlord told me I have a collection record in my credit report. 

The reason I did not receive is might be they send to my old address. It 's their mistake in their job that fails to verify my information before they sending out the document. The key thing is that they put this information into my credit report without sending me the verification letter, nor notifying me that this debt has not been paid by the insurance yet.
Consumer complaint received 2022-12-02
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. (OH)

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


XXXXXXXX XXXX XXXX XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have 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.. Any other 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 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Voluntary repossession, Vehicle was resold Account is closed & remains on my credit Report
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-06
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. (NC)

in accordance with the Fair Credit Reporting act, XXXX  Accounts # XXXX from XXXXl XXXX, # XXXX XXXX & XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX DEPARTMENT OF EDUCATION, XXXX XXXX XXXX DEPARTMENT OF EDUCATION, 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 2022-07-06
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. 
XX/XX/XXXX Account # XXXX ( XXXX XXXX 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 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

on multiple occasions I've tried to access my Equifax credit report online via the my.equifax.com only to not see any information, I'm directed to call customer service, I do so then I'm put through a series of questions to verify myself, I do so, I'm told some information is incorrect, I explain to them the issues with the information they have incorrect is my date of birth, they want me to send more identification such as my social security card and drivers license, I'm currently aware of their data breaches in the past so I'm not comfortable with this process where as I've sent this information along with my dispute letters recently as XX/XX/2021, This issue has been noticed since XX/XX/2021 and I've tried a total of 4 phone attempts to rectify this issue only to have copies of my credit report to be sent to my home. on one occasion I somehow got the verification questions good enough to gain access and be told I would be able to see online credit reports on my.equifax.com only to be disappointed still to this day XX/XX/2021 I can not access my online profile I can't see my Equifax scores on XXXX, XXXX XXXX, my.equifax.com, XXXX XXXX monitoring app, or XXXX after I've disputed items reported on my credit report I start having issues accessing my credit report
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (WA)

Aldous reported this collection account that is not mine it is fraudulant it states original Creditor is XXXX XXXX XXXX XXXX for {$700.00} no address or telephone or account number to contact is listed in my credit report to contact company.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

On XXXX XXXX the company Lexis Nexis risk solution advised a potential creditor that I have an eviction and lien on my record. I have no record of that on any of my other credit reports. I have never been evicted from any of my past rental homes. Please help me! I am afraid to apply for anything because if this. I am trying yo repair my credit since s job loss in XXXX. Thankyou for your attention in this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX
Consumer complaint received 2018-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Tate and Kirlin Assoc (PA)

The debit is from prior to XX/XX/XXXX. XXXX XXXX from Tate & Kirklin, who is collecting on behalf of The Bureaus, disputed this with me so I requested documentation proving the age of the debt. The only thing they provided was a old credit card statement from XX/XX/XXXX that shows a prior balance and interest owed. 

I called XXXX back to tell him the document has no proof of date of purchase, he replied " I know but that's the only documentation we have ''. I went on to remind him that the debt is greater than 7 years old and he said he knew that and said he told that to The Bureaus. I told him this needs to be removed from my credit, he said Tate & Kirklin can't do that I needed to contact The Bureaus and gave me the phone number. He went on to say he would note in my account again that this item is in dispute due to statute of limitation being expired. 

I tried calling The Bureaus but I can never get a person because their phone lines are always full. Instead, I get a voicemail to leave my name and number for them to call back, but they never call back. 

I find it interesting that these companies can negatively impact a person 's credit but don't have to take any action to correct it in a timely manner once proven wrong. We, the individuals impacted, have spend hours trying to find someone to talk to only to get no where because no one mandates them to follow the law. 

In this case, The Bureaus bought the old debt from XXXX XXXX ( who already sent me a letter stating that the debt was too old to collect and therefore being removed from my credit ). The Bureau then hired XXXX XXXX  XXXX to collect on their behalf but they can't do anything to solve issues so back to The Bureaus I must go. This is a broken cycle of voice prompts, nasty - disrespectful individuals, unethical companies and no resolution to something that impacts ones entire life.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Chase closed my credit card. When I called, the supervisor stated a letter was sent, which o still did not receive. He suggested to look at credit report. 
I looked at XXXX. 
Chase close my card based on how I paid XXXX. My question? Did Chase not issue me a credit card after these incidents? 
XXXX XXXX is reporting information from XXXX that appears as open accounts. I disputed one of the credit lines and the bank and I disagree. I paid XXXX credit cards for both XXXX XXXX and XXXX. 
The second credit line is perplexing. 
Perhaps a different person 's. Explored with Chase and could this belong to me with another last name? 
XXXX continues to report these credit lines XXXX. The credit line was opened in XXXX and closed. Do not have date. 
However what happened to the 7 year rule for things to drop off? 

XXXX is the only bank that does not work with someone if a problem arises. At least, they ate my XXXX out. I can not buy a small condo! 
And my only credit card with a credit line of XXXX paid perfectly for 2 years just shut by Chase because they don't like how I pay wells..in XXXX! 
Why not look from the present and go back before you close a card.. look at dates.. 
I disputed those issues with XXXX and next it will have to be an attorney. I am XXXX and my former husband is responsible for this mess. But, he can work!
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

On or about XX/XX/XXXX, my Chase credit card was stolen along with other items in my wallet. I believe my card was stolen around the XXXX XXXX XXXX XXXX. I left XXXX on XX/XX/XXXX and I returned on XX/XX/XXXX. Upon discovery that my card was missing, I reported the card lost / stolen with Chase and they immediately closed and reissued the card on the account. 

There were a number of charges on the card that I did not make. I filled out claim forms with Chase and they recently sent me a letter informing me that the charges were put back on my account. There were close to {$8600.00} in fraudulent charges that I did not make. In doing research, these charges were made around the XXXX area, which is over 300 miles from where I live. 

I tried to call Chase and I was told I had to speak with a specific account representative. The number I was given was XXXX and the extension number was XXXX. I left two messages over the course of three days and I can not get a return phone call from them.
Consumer complaint received 2022-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

XX/XX/14 MD Homeowner 's Assistance Fund underwriting requested documentation from Select portfolio Servicing Inc regarding mortgage account ; XXXX ( XXXX est ) ltr from borrower updating SPS on XXXX  status and asking for a timeframe of when documents would be submitted to XXXX XXXX XXXX ( XXXX est ) duplicate payment canceled ; no mention of a demand notice until XXXX XXXX ( XXXX ) ltr demand notice generated in customer portal ; borrower was unable to access and expected such an important document to be sent certified ; XXXX ( XXXX est ) recorded call clarifying that a payment is still scheduled and asked why a demand notice was issued when customer thought SPS was waiting on funds from XXXX once they send necessary documents XXXX ltr uploaded to customer portal asking that it be sent to a specific address because of mail carrier issues or property address if it would be certified XXXX borrower tried to access " demand notice '' and was successful ; noticed the cure date was XXXX ( one for each address mentioned in letter )
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This account has been resolved as of XXXX XXXX. I want it off of my credit report NOW. 
My XXXX  score went up after reducing overall debt on XX/XX/XXXX. XXXX did not reflect this.
Consumer complaint received 2021-06-13
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. (LA)

This account has been resolved as of XXXX XXXX. I want it off of my credit report NOW. 
My Transunion score went up after reducing overall debt on XX/XX/XXXX. XXXX did not reflect this.
Consumer complaint received 2021-08-23
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 (AZ)

Rocket Mortgage checked my credit when I was not even applying for a home loan with this company. I have requested it be removed from my credit bureaus but they refused. I see online complaint about this from others as well.