davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
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. (SC)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion file . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Consumer complaint received 2020-02-13
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. (AR)

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$31000.00} XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX  XXXX {$240.00}
Consumer complaint received 2020-02-13
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. (AR)

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$31000.00} XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX XXXX {$240.00}
Consumer complaint received 2022-07-05
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)

1.Account Name : XXXX  XXXX Account Number : XXXX Amount XXXX 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 2021-04-14
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. (CA)

My Equifax credit report changed my name to name of some other person with similar spelling and included unrelated addresses in my report. This happened last year. 
I have wrote twice to Equifax with proof of my identity and name. However they did not correct my report nor give my any response.
Consumer complaint received 2022-07-05
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. (TX)

1.Account Name XXXX XXXX  XXXX Account Number : XXXX Amount XXXX 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 2019-08-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have had a second mortgage with Bank of America for years now. My payment is $XXXX due by the XXXX  of each month. I always receive a statement and since I bank with Bank of America, I simply transfer the funds by bill pay. For July, I received a statement for the month and I made the payment from bill pay on XX/XX/2019 in the amount of $XXXX. The money was removed from my account within 24 hours as usual. On XX/XX/2019, I received a notice from XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX indicating that my loan had been transferred from Bank of America  to their company and any payments after XX/XX/2019 should be paid to them. Well, on XX/XX/2019 I made the payment to Bank of America per the statement that I received. I contacted XX/XX/XXXXto advise and was told that they didn't have the payment and they were my new servicer. XX/XX/XXXX doesn't have the payment and Bank of America claims as of XX/XX/XXXX the account has been closed.I have been going backwards and forwards since then trying to locate the monies with no avail. XX/XX/XXXXsent me a statement for August indicating that the July payment is still due. Bank of America is oblivious of the payment even though the payment was deducted from my Bank of America checking account.I need to either have the payment sent to XX/XX/XXXX or the money put back into my account so that I can pay XX/XX/XXXXwithout late fees.See documents enclosed for verification.
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (MD)

I don't know that my problem falls under this exact category. 
My complaint is with Comenity Capital Bank - XXXX I was originally issued a credit limit of {$1000.00}. Admittedly, I got behind on payments. 
They lowered my credit limit to {$500.00}. I began making payments and got the account on stable footing. Despite consistent payments - {$480.00} between XXXX and XXXX - Comenity reran my credit - an existing customer - and lowered my credit limit In XXXX to just below my balance causing a negative hit to my credit rating as it now appears I am using more credit than I really am. 
I complained and was told they would reevaluate monthly.

This week I find they have again lowered my credit limit to just below my balance again unfairly causing a negative impact to my credit score.

They claim it is due to my credit score which from there own letter to me is nearly 100 pts higher than it was in XXXX only 3 mths ago. 

This is due to lack of activity on the account and has nothing to do with my credit or payments as I have paid them {$580.00} since XXXX on a card that now has a {$350.00} limit. 

This is simply not fair business practice. Why would you rerun credit on an existing customer who is NOT behind in payment? It just doesn't make sense.
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. (FL)

I Consumer and natural person am a victim of identity theft. XXXX, has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. This credit reporting agency also known as a financial institution has violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information to benefit for monetary returns. Equifax is in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which Equifax failed to do this. Equifax is in direct violation of 15 USC 1681b regarding permissible purposes of consumer reports, in which I have not authorized, signed or given any direct instruction for Equifax to report these inaccurate accounts on my consumer report. Their Wilfull noncompliance which is a direct violation of 15 USC 1681n has caused me actual damages. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. Equifax is in direct violation of the FCRA law 1681s-2 by not holding up to its duty when furnishing consumer reports. Equifax is in direct violation of numerous laws under the FCRA and is also in direct violation of the Gramm Leach Bliley Act of 1999.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (FL)

I contacted XXXX regarding the credit card issued by Goldman Sachs. In my correspondence, I explained about billing error and asked them to send me documentary evidence for this account. 
They have responded with an email that does not address my correspondence to them. I have called them and no one seems to be able to assist or act like they don't know what I am talking about. 
I have also sent them an endorsed coupon which they received ( everything was in the same envelope ) They have not contacted me to let me know whether they will honor it or not, neither have they returned it, yet the balance has not been updated. 
They continue saying they are a paperless company and continue to violate federal laws, as 12 CFR 1026.13 ( a ) ( 7 ) clearly states the creditor must mail statements to the last known address. 
They have also received my billing error notice package and signed for it on XX/XX/2022 by XXXX XXXX at XXXX ( see attached ). On the email I received XX/XX/2022, XXXXXXXX XXXX they do not address any of the Billing Error Notice I sent, therefore this does not constitute as acknowledgment of the correspondence I sent as required by 12 CFR 1026.13 ( c ) ( 1 ). They also continue collection action on the disputed amount as of the moment I am typing this complaint, nor have they sent documentary evidence for this account as requested. I also requested them to refund all monies paid until this moment, and that has not been addressed either. I requested them to give me access to my open-end credit and I zero it out at the end of every billing period, and still they have not done so.
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (CA)

I ordered stereo from XXXX XXXX, and it was paid by Affirm. I reached out to XXXX XXXX  that I did not receive the item and they said the Carrier who delivered said it was delivered and they would not do anything. XXXX XXXX said they will not refund me or send another item because XXXX said it was delivered and shut me out. I reached out to Affirm where I got the loan to pay XXXX XXXX and the did an investigation, they told me it was in XXXX XXXX XXXX  favor and to contact the Carrier who delivered it, I received information from Affirm to reach out to the Carrier which was OnTrack and they said because it took over 6 weeks they can not open a dispute and there was no notes XXXX XXXX ever reached out to me. I did another dispute with Affirm and they said they could do anything to Make XXXX XXXX refund me and I need to reach out to XXXX XXXX I have called XXXX XXXX and still to this day they have not called me. I sent an email and they just say it has been resolved and do not saay anything else. I am not paying for something I have never receive. I have used Affirm many times and now because of this I can not use them.
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MO)

Spring Oaks Capital sent me a letter stating that I had 30 days to dispute a debt with their company. I sent a debt validation letter within the 30-day time frame and Spring Oaks did not submit proper verification. I was not sent an original contract or any documents bearing my signature that prove the debt is owed by me. Spring Oaks also marked on my credit reports that this dispute has been resolved. This dispute is not resolved. This dispute will not be resolved until Spring Oaks removes this collection from my credit account. Spring Oaks has violated the Fair Credit Reporting Act by reporting a debt to the credit bureaus that I do not owe. They also reported the debt before the end of the 30 day validation period.
Consumer complaint received 2020-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (VA)

Chase Bank closed my new checking and saving accounts without providing a reason or notice. Case # XXXX. 

In Chase 's response, Chase Bank stated that they will not reopen my accounts or open any new accounts for me in the future. Chase Bank also told me the same over the phone without providing a reason although I have asked. 

Please investigate and confirm if Chase Bank will be able to reopen my accounts or open any new accounts for me. If not, Chase Bank must provide a reason. The Deposit Account Agreement that Chase Bank referenced to is on their website. However, it does not include any language regarding this.
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WY)

Rocket Mortgage has tried to slam me into agreeing to a refinancing my mortgage. They wouldn't tell me the cost of the refinance they suggested, and when I said no they won't stop calling me at work. I have contacted them and asked them to stop calling me at work. They have refused.
Consumer complaint received 2022-10-10
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. (GA)

I have disputed this debt with the CFPB with this company on multiple attempts and directly with the company. This company has been unable to validate that I owe this debt and has not sent any documentation that I owe this debt. Yet it still on my credit report. I have validated the validity of this debt over 5 times over the course of the past two years, and it has not been verified. XXXX XXXX is providing false and inaccurate information to the credit bureaus.
Consumer complaint received 2020-02-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ERC (CA)

ERS Collection Company called my employer and left a message on my work voice mail that the call was coming from a debt collector. Leaving such a message not only violates Federal Law, but puts my work status at risk. I have not received a notice of debt, nor have I had an opportunity to file a dispute. I don't know if this is a scam or a real debt. I called the company at ( XXXX ) XXXX and spoke with XXXX XXXX and XXXX XXXX to complain about the call. I played the recording for XXXX XXXX, but Mr. XXXX stated he would listen to his internal recording. I have saved a copy of the voice mail and will make it available if requested. 

Mr. XXXX put me on notice that the call to my office recorded. I am in California, which is a two party consent state and I did not consent to being recorded. The fact that my voice or message on my work voice mail was recorded without my permission should be illegal. a
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I signed for an apartment complex for my brother. There were issues with the apartment from the start. After the first week we received a {$750.00} light bill from the previous tenants. If was very hard to get in touch with corporate b/c the rental agents refused to give me their info. My brother had a home invasion a few weeks later, while he was in the shower. I was finally able to get in touch with corporate after some online research. I had a meeting with the property manager who agreed that he could break the lease and move out without any consequences b/c of the previous situations we had. The complex is now XXXX so i can not talk to anyone in regards to this.
Consumer complaint received 2019-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIRST HERITAGE CREDIT LLC (MI)

First heritage Credit in XXXX, TN called asked for the wrong person I asked that the not call the phone anymore and XXXX XXXX or should I say XXXX still did. Also called a work number and was asked not to call there and she called again the next day which is a violation of the fair debt collection practices act. That vey next day when she was told not to call the day before spoke to an HR director asking personal information about an employee. And told the HR director that she was going to garnish the wages when she shouldn't and where can she send the garnishment to. This employee has not even been served so that was a threat when the company doesn't even have a judgement. XXXX XXXX XXXX slandered this employees name and discredited her deformation of character. I spoke with her supervisor XXXX XXXX who works out of XXXX, TN office he said he knows nothing of the issue and that she shouldn't have said that if there was no judgment and employee has not been served. I also called the county clerk office in XXXX to see if they sent anything through there courts in XXXX county circuit court. I spoke with XXXX and XXXX on XX/XX/XXXX she explained she has not filings with the courts under any such name or other names possibly used. XXXX XXXX also said he would contact me by the end of the day to let me know what was going on. I never heard from him and I as well called the office back and he still was not there. This is a violation of practices when the employee has not been served or a judgement nor even a letter to inform her of the account delinquency.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (OH)

I called Chase because they marked me late in XX/XX/XXXX and XX/XX/XXXX on my chase freedom card in 2019. My autobill was cancelled for those 2 months. When I called I talked to the fraud department and they told me that someone went in and added a new email and login to my my card. Therefore, I was not receiving bills, notifications or any notice my bill pay was cancelled. The fraud department did verify this information and told me that they would transfer me to a supervisor to have those late payments removed since it was fraud. I was transferred and the gentleman on the phone told me he would take care of this for me since I was not receiving any bills. I was disconnected and then talked to lady on the phone who told me she couldn't help me. I have a police report as well to show I was a victim of Identity theft. I am upset that this was not my fault, I was not notified and now I have 2 negative remarks on my credit report
Consumer complaint received 2020-02-13
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. (TN)

I have on numerous occasions tried to get dispute remarks removed from my Equifax credit report, starting back in XX/XX/XXXX. The account that has the dispute remarks ( 'consumer disputes after resolution ' ) is XXXX  which is a student loan account, I have 2 separate accounts with them, the remarks appear on both accounts. I have long since stopped disputing this account and have tried on SEVERAL occasions to have these remarks removed. Equifax will remove the remarks from my report and then within 2-3 weeks they will reappear even though I am not disputing the account. I became REALLY frustrated with Equifax and reached out to XXXX on XX/XX/XXXX myself to let them know that I was no longer disputing this account and would they please have the bureaus to remove dispute remarks, they sent me a letter stated they would correspond with the bureaus to have remarks removed, well as of XX/XX/XXXX the remarks still had not been removed so I called Equifax ONCE again, this was on XX/XX/XXXX, the dispute remarks were removed on XX/XX/XXXX but placed back on my report on XX/XX/XXXX. I called Equifax AGAIN on XX/XX/XXXX and was told the remarks would be removed. They removed the remarks again on XX/XX/XXXX and placed them back on my report AGAIN on XX/XX/XXXX. I am sick of playing with them. They are ruining my chances of obtaining a mortgage because they keep adding the dispute remarks back to an account that I have long since stopped disputing.
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper a mortgage holder for my home loan also manages an escrow account used to pay my property taxes, and insurance. On XXXX, my wife contacted Mr. Cooper and requested our property taxes be paid. They are currently due to the county of XXXX XXXX, and will be past due on XX/XX/2020. We are refinancing our home loan with another lender and communicated this to Mr. Cooper 's escrow department. She even spoke with a supervisor of the escrow department and was informed they would only pay the current taxes 10 days prior to XX/XX/2020. Mr. Cooper was reminded that they were within the 60 days and should be paid the taxes now. They refused to provide the monetary payment to the county of  XXXX XXXX. I called Mr. Cooper and also attempted to request they pay our tax bill on XXXX. Again they refused and would not discuss their refusal to pay XXXX XXXX County other than " it is our policy to wait until 10 days prior to your bill being delinquent to pay. '' We requested that our escrow account by closed and the monies returned to us, so we could make the payment. They insisted our debt ratio was to high, I informed their staff our home had a recent certified appraisal completed and was below the 80 percent threshold the State of California required to close the escrow account. They refused to accept a certified appraisal and would only look at the amount of monies their company financed four years ago. When they were reminded the value of property had increased they would not listen or allow for an adjustment.