davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NC)

I have a mortgage and associated escrow account with Cardinal Financial ( https : //cardinalfinancial.com/ ) when we refinanced our house in late XX/XX/XXXX. Cardinal Financial has failed to pay the property tax on the property associated with the mortgage account for the tax year XXXX. There is more than sufficient amount in the escrow account to cover the taxes amount. Inspite of repeated alerts by phone calls and email almost every month starting in XX/XX/XXXX, the tax has not been paid yet ( as of XX/XX/XXXX ) and is now delinquent, with interest ( and extra fees ) compounding. The tax was due on XX/XX/XXXX and now fines continue to incur starting XXXX. Cardinal Financial continues to assure every week for the past few months on phone calls that it will be paid in the next 2 days ... .so far nothing has happened. 
In addition to this I was sent an escrow refund check, when there was still dues to be paid and I am struck as to what needs to be done with the check. 
The customer service is worst I have ever encountered : It takes an hour to reach a representative and after repeated assurances that it is being taken care of, the call is put on hold for another half hour, the calls is transferred to a supervisor, who put the call on hold for another 30 mins at which point the call gets dropped. They might as well not have a customer service department at all.
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I wrote the company, Bayview Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX regarding their non-reporting of my mortgage loan payment history, ( loan # XXXX case # XXXX ), and I complained that they had not been reporting my mortgage payment activities to the credit agencies. They replied in a XX/XX/XXXX letter and said, " Due to your bankruptcy Chapter XXXX Discharge on XX/XX/XXXX we are unable to report your loan to the credit bureaus as it appears the debt was not reaffirmed prior to the discharge. Please note that if you would like for BLS to report the account to all pertinent credit bureaus, you must send us the reaffirmation agreement filed through the court. Once supporting documentation is received we review and update the account accordingly. '' I don't want to revive issues that were settled in a XXXX bankruptcy, I just want my loan and payment history reported. They are blackmailing me to accept new debt and are preventing me from an accurate credit payment history. Their actions are damaging to my ability to manage my credit and finances. Can you help me? Thank you. XXXX XXXX
Consumer complaint received 2020-08-01
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. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A fraudulent charge on my husband 's credit card was written off by XXXX XXXX XXXX ( the bank flagged it as fraud ) but they trashed his credit for this fraudulent charge. We have tried every avenue possible to get this taken off his credit report for XXXX  and Trans Union but the credit bureaus point to XXXX XXXX XXXX XXXX   points to the two credit agencies. It would take a single person 1 hour to remedy this situation but we opened a case with XXXX XXXX on XX/XX/2020 and a month later nothing is resolved. We are in the process of closing on a property where the lender will charge us additional fees of $ XXXX because of his credit score that has been trashed by this write-off. His credit is impeccable outside of this write-off as is mine. I have spent almost 20 hours working every possible avenue to fix this issue.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Prior to Pandemic I had Impeccable Payment history XXXX credit score, I value being a financial responsible client/consumer. However, during XXXX I suffered from a major hardship, I had great death in my family I lost my former husband, who at the time was my primary source of income. I also was laid off my Job due to major cutbacks. Being a Widowed wife and a mother of 3 It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX XXXX XXXX XXXX XXXXXXXX in reference to 2 Accounts that I had at the time with them. ( XXXX & XXXX ) and requested Hardship options, I agreed to do a settlement with lender account was paid. I was informed me that account would be kept current, no late payments will be reported due to me agreeing to settle account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that creditor remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditor adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amends Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXXcrisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts still remain the same inaccurately Late Payment history.
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX I received an email from Chase Bank saying that I have requested to replace my debit damaged card. I was shocked. I had my card with me all the times. Right away I called Chase customer service ( see attached ) at XXXX and told them it was NOT me who requested for replacement. The agent told me however, the card is on its way by XXXX. 

On XX/XX/XXXX at XXXX the package was delivered by XXXX and since I was at work and nobody at home, he drops it on the entrance door and left. On same day at XXXX the package was stolen. ( This is all recorded by ring door bell ). At XXXX I got a text message from Chase Fraud if I attempt to withdraw XXXX. I replied NO. Immediately I checked my account and unfortunately there were 5 transactions summing to {$2200.00} withdrawn from my account on ATM using my stolen debit card which I NEVER authorize. I called Fraud dept. to report these withdrawals and also customer service to cancel the card and issue me with a new card. The new card was to be delivered again by XXXX. 

On UPS website I added an alternate delivery location .I got an email from UPS telling me that Chase doesn't allow packages to be sent to alternative location. 

On XXXX XXXX the package was again delivered by XXXX at XXXX and since I was not at home to receive the package, the driver left it at the front door. The package is again stolen by the same person at XXXX. I saw this event live since i got a notification from XXXX about the person at the front door. I right away contacted customer service informing that the card was stolen again and to cancel the card. I requested If Chase would mail me the new card instead delivering by XXXX. 

Please see the following attached 1. documents in chronological order.

2. Video link 3. Screenshot of a thief stealing the package
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2023-03-10
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Il XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX {$25000.00} XX/XX/XXXX
Consumer complaint received 2020-08-01
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 — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC (CA)

In XXXX, I sent several letters to my then mortgage company asking for them to validate the said loan. They never sent me any validation and by XX/XX/XXXX, they transferred said loan to another mortgage company instead of dealing with me. So, I began sending validation letters to the new mortgage company and found out there was XXXX mortgage companies associated with this said loan and they too, would not validate this loan. They sent VA to my home to serve me with a summons. By this time, I had done a quitclaim to transfer my home to a 508 ( c ) ( 1 ) ( a ) irrevocable trust and had it notarized and recorded with my county. Summons was answered and court followed. Judge and plaintiff would not listen or read my trust paperwork, my quitclaim or any of my paperwork as if nothing I said mattered. So, I lost in court, than Covid 19 began. I have since, sent out criminal complaints to FBI, NSA and Homeland Security. I am waiting now for responses from one or all. 

Thank you
Consumer complaint received 2020-08-01
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. (MS)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

There are 2 Collection Accounts on my Credit Report from XXXX XXXX and XXXX XXXX. They are not valid. They XXXX XXXX XXXX XXXX had approved disputed charges with XXXX. These are the amounts in question- and they were approved disputes. This has nothing to do with XXXX who harasses me via phone with blocked numbers every single weekday. I have had to change my phone numbers 5 times. Further they not only threatened me, but they ruined my credit without me even knowing how they were at first. They violated 4 Hawaii laws as they do not have business even contacting me while I was in Hawaii, and violated Utah law too as they aren't a registered entity here either. Yet they continue to Park Debt despite the FTC lawsuit on my Credit Files with all the major bureaus. It was only after reporting to XXXX that they sent me 5 statements that are way after I stopped my relationship with XXXX XXXX. they don't know the history and the Credit Bureaus side with them because their client is XXXX XXXX and all three Bureaus get money from marketing with XXXX XXXX so they ignore the consumer and allow XXXX to fraudulently park this debt that is not mine on my report.
Consumer complaint received 2022-03-19
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: EQUIFAX, INC. (NY)

noticed fraudulent inquiries placed on my credit. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Consumer complaint received 2021-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am distressed that they have included the negative information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

XXXX  Collection Account XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$93.00} TRANSUNION XXXX Account XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Collection Account XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Collection Account XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2019-09-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

My consumer credit report has a collection trade-line from Midland Funding in the amount of {$1000.00} and the original creditor listed as XXXX XXXX. I've requested debt validation several times through the 3 major credit bureaus just to receive notification that the debt was verified by Midland Funding but no verification documents, as requested, were provided. A press release in XX/XX/2018 filed by The Attorney General of the state in which I reside, Pennsylvania, filed suit against Encore Capital Group , Inc. and its subsidiaries Midland Credit Management , Inc. and Midland Funding, LLC, which collectively form one of the nations largest debt buyers,. A settlement was reached and resolves the states investigation into Midlands collection and litigation practices. The agreement settles claims that Midland signed and filed affidavits in state courts in large volumes without verifying the information printed in them, a practice commonly called robo-signing. Proper verification as described in the press release are, " the amount of the debt, proof of an agreement, and an explanation as to why any additional fees are justified. In addition, " if a consumer disputes a debt Midland is attempting to collect, the settlement requires Midland to review original account documents before it continues its collection efforts and Midland must provide these substantiating documents to the consumer free of charge. Joining Pennsylvania in the settlement were Attorneys General from Alaska, Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, Wisconsin, and Wyoming. I am requesting such debt validation as I dispute the validity of the debt.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I filed a dispute that was mailed certified and received XX/XX/18 and signed for. I requested to have account XXXX with XXXX XXXXXXXX XXXX validated. Which means a copy of a contract in my name with them. I was never provided this info from Experian, and within 9 days they emailed me to tell me this account was updated. What was updated? The same exact information is there, and how and when was it validated with me? No validation was done, and this is what continues to be done. This is my credit, my life!
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit  reporting bureaus.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL (FL)

When coming to XXXX  XXXX  I noticed a hard inquiry from PayPal I never authorized for them to pull my credit. I do not even have a PayPal account. Please look in to thos matter for me. I greatly appreciate it. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-07-19
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. (MI)

I did not give consent to furnish my personal information regarding my open end credit plan. Ive been violated and harassed about information I deem private XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2021-07-19
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. (IL)

The Bankruptcy court has sent me the attached affidavit swearing that they do NOT verify or validate any public records with you. Delete this unverified account immediately US BANKRUPTCY COURT- ( XXXX ) FCRA states that youre required to verify accounts with the original creditor and in this situation, the court is the original creditor and they do NOT verify records!