davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-25
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: JPMORGAN CHASE & CO. (TX)

Inquiries are showing more than once on my credit. Some of which I do not recognized.
XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX Chase Auto  Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. XXXX XXXX Bank has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. I do not have an account with XXXX or have I signed any documents for this company to utilize my personal information or to harass me through phone calls and threaten letter to collect an debt that I do not owe. This company hasn't validated any information and not only that XXXX and XXXX XXXX are reporting twice on my credit report and damaging my character with double Jeopardy information. 15 USC 1692d states A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 15 USC 1692k {$1000.00} COMPENSATION - Financial Restoration 15 USC 1692c,15 USC 1605 ( a ) please remove this immediately from my report. FDCPA 807 ( 8 ) 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681 section 602 A. 
This account is involved in litigation. Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715, 719, i may presume that no proof of the alleged debt, Nor therefore any such debt, in fact Exists. 

Credit Corp solutionXXXX XXXX XXXX  XXXX XXXX and FDCPA rules below : FDCPA 807 ( 8 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section2.
Consumer complaint received 2022-11-30
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. (NJ)

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. 

Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX, Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account 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 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 2020-02-26
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. (CO)

XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$9900.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I was a XXXX XXXX XXXX and was involved in a very minor fender bender. I paid out of pocket to replace the bumper on the vehicle. The money owed for the bumper was taken directly out of my paycheck and there is not outstanding balance due. Now the XXXX  company is saying I owe additional sums of money that is completely unsubstantiated. The company is in complete violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ). This act prohibits usury interest being charged on a debt owed. In this matter, I do not owe any debt. The act also says that interest can only be charged as per a signed agreement. I am no longer with the XXXX  company and I never signed any kind of employment agreement. Consequently, this false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This account was closed on XX/XX/2019 I submitted claims for unauthorized transactions due to identity theft crisis through XXXX data breach. 
The Bank of America account ending XXXX was closed with amount of {$3700.00} Which I have never received My claim number for unauthorized transactions is XXXX
Consumer complaint received 2020-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (DC)

I was trying to sell furniture on XXXX. A buyer sent me a certified check for {$1700.00}, which initially cleared my bank account on Thursday, XX/XX/2019. Part of that money was for movers to come for the furniture. On Thursday, XX/XX/2019 after it appeared the money had come through they asked I transfer {$1400.00} via. Zelle. Since I use Zelle through my XXXX XXXX   app, I thought it was secure and protected. On Friday, XX/XX/2019 they claimed they didn't want the furniture anymore and requested the rest of the money back, minus {$50.00} " for my trouble. '' I sent the remaining {$300.00} to the same user on Zelle before realizing it was probably a scam. I called XXXX XXXX, who asked me, " Well, what do you want us to do about it? '' and directed me to talk to Zelle after confirming that the certified check was bad and would eventually bounce. Zelle lectured me on how their service isn't secure or insured and said there was nothing they could do. I pressed them and they said they would try to contact the receiving user 's bank. I gave them the transaction numbers for each transfer and they told me that they didn't think I was giving them correct numbers because there weren't any letters in them ( like I could make this up ). When I asked Zelle for a tracking id number for my case and what my next steps were they seemed very confused and said I didn't need to worry about it because they would work with my bank to figure it out - they were very dismissive and rude and as a victim I felt very shamed. When I contacted XXXX again, they said that wasn't the deal, and they would have no part in investigating this. I feel like I'm in a bad feedback loop that I can't get out of, and it's all the worse since I used Zelle through my bank 's app, and both parties just blamed me for being dumb, which frankly, isn't helpful or what I need right now. I will NEVER use Zelle again and I'm telling all my friends and family to not use it either.
Consumer complaint received 2020-02-26
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 received a call from a student loan company asking me about loans that I have never applied for. I immediately registered to XXXX  XXXX to check my credit report. I found student loans and other accounts that do not belong to me. These accounts need to be deleted from my report. These accounts are fraudulent and are not mine. 

XXXX XXXX XXXX {$1500.00} DPT ED/XXXX XXXX {$1700.00} XXXX  XXXX {$430.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$7900.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

I took a first mortgage loan in XX/XX/XXXX. My first payment was do in XX/XX/XXXX. I paid it. I paid every payment afterwards. In XX/XX/XXXX, I mistakenly issued a payment of {$2000.00} instead of the correct amount of {$2100.00}. I attempted to cancel this payment and issued another payment for {$2100.00}. These payments went to Ditech. My bank would not recall the erroneous payment of {$2000.00}. 

I wrote Ditech FOUR letters. Ditech did not respond. I called Ditech when I started get " late '' notices from XXXX. Ditech sent me a payment history, confirmed I was not in arrears and that they would forward overpayments ( the {$2000.00} and the XXXX for XX/XX/XXXX ) which should have been forwarded to XXXX, the new service provider. 

Ditech forwarded the XXXX payment but without explanation or any notice, Ditech kept the {$2000.00} erroneous payment. Ditech decided to credit that amount to a shortfall in escrow. I continued writing to Ditech and XXXX through XX/XX/XXXX. 

Neither company responded to any inquiry. When I called both companies again, this month ( XX/XX/XXXX ), the companies both indicated that letters sent to the payment center ( where my checks were sent ) are " shredded '' or discarded. For 6 months now, XXXX has been reporting me 30 days behind on my mortgage. I have been late to no other creditor. XXXX has DESTROYED my credit score, which is now XXXX based on XXXX ' reports. 

XXXX has said the will not interfere with the additional funds kept by Ditech and will continue reporting me late to the credit bureau, unless I pay pay them more than {$4700.00} on XX/XX/XXXX. XXXX refuses to investigate nor take any action. 

I have actually paid {$21.00} OVER what has been due on my mortgage from it's inception. My understanding ( based on the first year ) is that if excrow is not properly planned and collected by the managing company, the company can increase your mortgage. XXXX did this -- adding {$210.00} a month to my payments. They refused to explain the change. 

Today, XXXX says that they can see the XX/XX/XXXX double payment but it was NOT credited toward a monthly payment. Instead, Ditech kept the money and credited it toward a shortfall in escrow ; without notice ; without ever admitting that to me in letters and phone calls. XXXX says it's a problem for Ditech. Ditech gives me no information. But, XXXX is falsely reporting the account as delinquent.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-28
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-02-26
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. (CO)

Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$9900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was a XXXX XXXX XXXX and was involved in a very minor fender bender. I paid out of pocket to replace the bumper on the vehicle. The money owed for the bumper was taken directly out of my paycheck and there is not outstanding balance due. Now the XXXX XXXX is saying I owe additional sums of money that is completely unsubstantiated. The company is in complete violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ). This act prohibits usury interest being charged on a debt owed. In this matter, I do not owe any debt. The act also says that interest can only be charged as per a signed agreement. I am no longer with the XXXX XXXX   and I never signed any kind of employment agreement. Consequently, this false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-26
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. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-26
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. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-26
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. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-26
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. (GA)

I tried to get a loan from my bank and got denied. I looked at my credit and saw things on there that is not mine. Bankruptcy XXXX-DSP-XX/XX/XXXX-VER-XX/XX/XXXX, XXXX  XXXX XXXX XXXX . I have contacted local police and the FTC.
Consumer complaint received 2020-02-26
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. (GA)

I tried to get a loan from my bank and got denied. I looked at my credit and saw things on there that is not mine. Bankruptcy XXXX-DSP-XX/XX/XXXX-VER-XX/XX/XXXX, XXXX XXXX XXXX XXXX . I have contacted local police and the FTC.
Consumer complaint received 2022-01-25
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. (PA)

On XXXX of 2020 I entered into a consumer credit Transaction with XXXX. They Then Illegally reached out to EXPERIAN to access my personal information and left an Inquiry on my consumer report. I was never provided my Disclosure to OPT out of my personal information being shared, and my credit score has dropped because of reporting between XXXX and EXPERIAN who is a third party in this Transaction. My credit score has dropped and has caused me mental stress and am now unable to obtain a Home due to my score dropping. Me and my family now have to look for a primary dwelling since XXXX and EXPERIAN have damaged my reputation. This has cause me and my children a great amount of stress and worry. Federal law States EXPERIAN may not report my nonpublic personal information as stated in 15 USC 6802, and any information regarding my relationship with AFFIRM, be deleted permanently from my EXPERIAN consumer report.
Consumer complaint received 2020-02-26
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: Experian Information Solutions Inc. (CA)

XXXX  XXXX XXXX put an unauthorized inquiry on my credit report XX/XX/2019. I have never applied for a line of credit of any sort. I am not sure who authorized XXXX  XXXX XXXX to obtain my credit file, but what I do know is XXXX  XXXX XXXX has broken the law!
Consumer complaint received 2020-02-26
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. (SC)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A FEW ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Consumer complaint received 2018-08-04
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: Experian Information Solutions Inc. (FL)

I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. <br>XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX/XXXX XXXX XXXX XX/XX/2018<br> <br> XXXX XXXX XX/XX/2018<br><br>XXXX XXXX XXXX XX/XX/2018<br><br> XXXX XXXX XXXX XXXX XX/XX/XXXX <br><br>XXXX XXXX XX/XX/2018 <br><br>These inquiries need to be deleted from my credit reports as soon as possible
Consumer complaint received 2022-10-07
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXAccount # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (VA)

In Accordance with the fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 Section 602A. 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.