davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions.
Consumer complaint received 2022-04-10
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. (VA)

In accordance with the fair credit reporting act XXXX account numbers 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. Section 2 : I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-10
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. (PA)

I AM A VICTIM OF IDENTITY THEFT, MY CREDIT REPORT CONTAINS INACCURATE INFORMATION. I HAVE ATTACHED THE FOLLOWING DOCUMENTS FOR FURTHER REVIEW.
Consumer complaint received 2022-04-10
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. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions.
Consumer complaint received 2021-05-13
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: WELLS FARGO & COMPANY (NY)

XX/XX/2019, XXXX XXXX XXXX reported an account to XXXX XXXX and XXXX. I requested that this account be removed from my credit report. the account was never removed from my credit report. I am asking for verification of this debt. the social security that the company has on file does not match my social security number. I haven't opened any accounts with this company. I am also having issues purchasing a home because of this account on my credit report
Consumer complaint received 2021-05-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX/XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

From approximately XX/XX/XXXX, to XX/XX/XXXX, I submitted HAMP loan modification paperwork again and again-wrongfully denied the HAMP loan modification each time! The loan was given to XXXX XXXX   which was taken over by the notorious foreclosure king ( XXXX XXXX, CEO, " Foreclosure King '' ), OneWest Bank! OneWest Bank   continued to pretend that they are really interested in modifying my mortgage under HAMP guidelines but cheated me out of the HAMP modification over and over again! XXXX XXXX, a loan modification agent of XXXX/OneWest Bank, denied me, once again, the HAMP loan modification on XX/XX/XXXX! He stated that the property was not " owner occupied! '' He said that OneWest/XXXX XXXX came to this conclusion and is denying my loan modification because the " sent somebody to knock on the d oor and nobody answered! '' How is that fair!!?? OneWest/XXXX XXXX made no appontment with me, dropped by whenever they felt like it, knocked on the door, and then left. OneWest/XXXX XXXX said that nobody answered the door and therefore the home is not owner occupied!! Do you see the blatant deceipt and lie that Onewest/XXXX XXXX  used on me??!! They kept playing these horribly fraudulent tricks on me because they never wanted to give me a HAMP loan modification at all. They were deceitful liars all the way through! I was in loan modification with them on XX/XX/XXXX. They dis not care. They foreclosed on my home on XX/XX/XXXX,  forcing me to find another place to live! They stole my property from under my nose without paying any attention to the HAMP loan modification that was sent to them and because they were pretending and lying all the way through. Again, they had no intention of giving me a HAMP loan modification. They wanted to foreclose from the very beginning of the process and steal the property from me! I am very upset, as a hard-working, XXXX American citizen, and I am outraged that OneWest? XXXX XXXX were able to abuse me in grand theft property and home! I did everyhthing properly to modify my loan under HAMP guidelines and both XXXX XXXX and Onewest Banks did  everything improperly to frustrate me, pray for me to go away and give up the HAMP process, and ultimately steal and foreclose on my home, my property. This is why OneWest Bank is known as the " Foreclosure King! '' Please, for the love of justice and America, please bring me justice from this extremely crooked bank!
Consumer complaint received 2022-08-15
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: CBC Companies, Inc. (GA)

To whom it may concern : On XX/XX/2022, an unknown entity - XXXX ( Miscellaneous ), ran my credit without my consent. 

Please remove, this unauthorized information from my credit. 

Thanks!
Consumer complaint received 2022-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

I have purchased some items from XXXX and XXXX, however items were not as expected and returned quickly. Chase says i will be charged interest after 45 days or so after statement. There were 2 instances. 

1. Purchased lenses for XXXX. Lense was returned 20-30 days later, the merchant however instead of 2-3 days refund promise refunded a month later. Chase charged me interest for XXXX. I contacted them by online banking text message system. The response was that someone will review the issue and contact me back, saying dont contact them again, they are too busy. 
Outcome : account closed, no response, no interest reversal. 

I asked if i should dispute the charge for credit not received, or they could manually make an adjustment. No response. 

2. Second instance was when I made few purchases from XXXX. Returned most of the items, only XXXX balance remains now. And yet again they charged me XXXX interest. 
I contacted them, got the same response, that someone will contact me, but no response. 

Basically they run interest fraud, on these " premium cards '' by offering sign up bonus, and then billing interest whatever they want hoping that no one will contact CPFB and other gov agencies to investigate them, or that they will make so much, that paying small fine will mean nothing to them.
Consumer complaint received 2019-06-29
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. (IL)

These accounts are on my credit report and they are wrong and inaccurate, please see the dates of disputes made to correct the issue : XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX BK # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The consumer reporting agencies are violating my FCRA rights please see attached dispute I received a copy of my credit report and i have found that in accordance to the FCRA you are violating my rights under 15 USC 1681 SECTION 602 WHICH STATES THATI HAVE THE RIGHT TO PRIVACY, FUTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONCUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

ACCOUNT NAME : XXXX ACCOUNT # : XXXX LATE PAYMENT DATE : XX/XX/24 & XX/XX/24
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmerAssist A/R Solutions, Inc. (IL)

I have been disputing with Amerassist AR Solutions and XXXX and XXXX since XXXX of XXXX. This is now XX/XX/XXXX. On XX/XX/XXXX I sent a debt validation letter directly to the collection agency for the debt they are claiming I owe. I never received satisfactory tangible information that I requested which included the original bill of sale, the contract from the original creditor with my signature on it, the contract between the Original Creditor and the Collection agency for proof that they are able to collect on their behalf, and proof of licensure to collect on this debt in my State. I did not receive anything from them to satisfy my requests. After 30 days I disputed the information with the credit bureaus XXXX and XXXX. Included in my disputes with the bureau 's I pointed out the FDCPA violations that Amerassist has committed on my credit profile. One of the many violations of the FDCPA; was the re-aging of this debt by Amerassist. The debt has been re-aged by 3 years without any payment activity or promises to pay on my end ; I also showed proof that the Date of Last Payment has not been listed ; And even after the letter I sent directly to Amerassist in XX/XX/XXXX, they never updated my account to " in dispute '' nor did the Bureau 's. Amerassist has failed to provide me with the proof I requested in the allotted time frame. They have negligently reported inaccurate inconsistent information to the credit bureaus and the credit bureaus have failed to conduct a full thorough reasonable investigation since they have let such violations in inaccuracies to continue to be reported on my credit profile. This account needs to be removed immediately from my credit profile. My next step is to file a complaint with the XXXX and the FTC before finally starting litigation against Amerassist, XXXX, and XXXX for their negligence.
Consumer complaint received 2022-04-10
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-04-10
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. (IN)

Dear agency reporting please remove fraudent Account from my report : please help me I'm suffering from these scams for a few years I looked for a solution I couldn't find it, until a friend told me to get in touch with you he told me that you guys are excellent now solve these scams I'm very confident in you for please help me!
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I urge you to rectify the inaccurate information on my credit report by promptly removing the fraudulent details mentioned. The listed home addresses are not mine, and I request immediate correction, emphasizing my accurate address at XXXX XXXX XXXX XXXX, NY XXXX. Thank you for your prompt attention to this matter. XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX and XXXX XXXX XXXX, XXXX, NY, XXXX.
Consumer complaint received 2022-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avadyne Health Holdings, Inc (CO)

I was never contacted by the original debtor nor the debt collector that I was allegedly delinquent on a bill. The collector never could validate my debt nor send a proof of debt or even an itemized statement of the original transaction. The only reason I even found out about this account was because it was on my credit while I was trying to purchase a house. H & R Accounts even admitted on the phone they dont have any proof of debt and theres nothing they can do to remove it from my credit report.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have submitted this complaint multiple times to emphasize the urgency of the matter. It has come to my attention that several accounts were opened in my name without my explicit consent. Given the severity of identity theft, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (IL)

I filed bankruptcy Mariner Finance was notified along with their attorney. Even though I filed for chapter XXXX and have an automatic XXXX in place went a head got a judgement order. By law this is illegal. 

My second issue is I had a little bit of an issue while paying the loan and got a few months behind. I tried to work something out but they told me the only way to get caught up was to take out more loan. They stated no other solution was available. I didn't want to take out more loan but it was my only choice given by Mariner Finance. 

Mariner Finance is a payday type loan company and they are a predatory lender. No one should use them for a loam because they seek out people that are struggling in hopes to end up in court to take people for much more. They are criminal and break federal and local laws.
Consumer complaint received 2022-04-10
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. (TX)

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 an account without my written instructions.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (OH)

Caliber Home Loans added a separate, completely unrelated, parcel number to my account and demands that I put into my escrow that property 's taxes, in addition my own. They have used my escrow to pay the taxes for both homes. They state that I owe over {$5600.00} for the other property. This is completely false. I noticed this two weeks  ago. 
Their tax department is " researching '' while their mortgage department has increased my monthly mortgage from about {$1200.00} to over $ 2,300/month. The tax department and the mortgage department do not communicate. 
The mortgage department is aware of the tax issues but refuses to keep my original mortgage payment active until this is resolved. I have continued to pay my regular mortgage amount. This, according to them, has put me in arrears on my mortgage payment, and they send me debt collection letters, plus their debt collectors call me several times a day. They state that I owe over {$3000.00} in unpaid mortgage bills. 
Their customer service department stated today ( XX/XX/18 ) that they will not fix my credit, which is now ruined due to their mistakes, they will not refund the added fees I have accumulated, and they refuse to remove the unpaid ( completely false ) mortgage amount from my account. 
My county 's auditor has confirmed that the parcel added to my account does not belong to me, has never been listed under my name, and they stated that my own taxes have actually decreased. 
I am currently trying to fix this issue and have done so for over two weeks. Caliber Home Loans have been less than helpful, and is, frankly, completely incompetent when it comes to this matter. 
I have contacted the XXXX, my original mortgage broker has never seen anything this messed up in her entire career ( she is currently involved ), and will contact the Texas State banking division.
Consumer complaint received 2022-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MS)

My Paypal account is suddenly permanently limited without any valid reason and I am unable to get help from the customer service team. I have already provided all the information as asked by the PayPal team. But they are not ready to provide me any help and suddenly closed my account and blocked my money for 180 days. I understand how important it is to review the accounts timely to keep PayPal a safe environment for both buyers and sellers. However, I have been using the account for some time now and always work in good faith and follow all the policies and user agreements as stated and agreed upon while I signed up for the account. Even the account health is in good condition. I would request PayPal to please look into the complaint and forward my complaint to the relevant department or team who could help me solve the limitation on my account. Please help me reinstate my account back. The email id associated with my PayPal account is : XXXX XXXX
Consumer complaint received 2022-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

My payments are still going to interest and everytime I reach out to FedLoan Servicing nothing gets resolved. This is the worst, most dishonest and disappointing student loan servicer I have ever had.
Consumer complaint received 2019-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I noticed this charge card on my credit report. It's not mine but clearly it says it's paid every month and on time. I've not so much had a credit card. I didn't incur this for and I'm not able to afford someone else 's
Consumer complaint received 2022-04-10
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 an account without my written instructions.