davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. There are also late payments reported to my consumer files which violate 15 U.S. Code 1666b, which states that no timing shall be late in relation to an open-end credit plan.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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

15 U.S.C 1681 section 602 A. States i have a 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 2022-05-04
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. (AL)

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 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My wife has opened a XXXX XXXX credit card, and added me as an authorized user, but then i got myself off her card, and theres still a missed payment showing on my Transunion credit report from my wifes card.
Consumer complaint received 2018-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OR)

It all started when moved to another town. We forgot to put in a forwarding address and when Chase Bank sent out a letter asking to confirm we have insurance on a house it didn't forward to our address. Evidently Case put their insurance on our house which included the property taxes that I pay at the end of every year. I don't know why they did that with my taxes but they took it upon themselves to add that to my payment also.. That put my house payment {$400.00} over what I would be paying. I paid it the first month and did all the appropriate things I should. I had my XXXX  rep. send them prof of my insurance, this after a full day on the phone getting the right person and giving them all the info they needed to insure everything would be straightened out. The next month Chase did the same thing. I sent them what should be my correct payment and they said because I didn't send them the correct amount they took it out of my escrow. This time when I talked to them they said XXXX  said they cancelled my insurance. Now I know this wasn't true. I called my rep. and he was appalled. This time I gave him the Chase persons fax number they gave me. And then I went to my Chase bank and again complained over what they were doing. They assured me that they will prorate any money they have taken out. I know Chase is famous for not giving back money and instead will just apply it to the principal and interest.

Then this month came and they did it again. I have talked to many people trying to straighten this out and they just keep letting it happen. It's like they are giving me the royal run around. I feel like a nobody. They are treating me like Trump treated DACA. They acted like they were going to help me, then they just went on doing what they always do. Steal my money.
Consumer complaint received 2023-03-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (GA)

This is the third Company that has tried to receive payment from me about this false account that is not mines. I've had this removed from my credit file two times from all bureaus. This is definitely against the law for even attempting to collect on a debt one. I am so so tired of this.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (KS)

I was notified that I had collections from XXXX under Amsher Collections agency. I called them, and they informed me that someone had a collection of {$2500.00}. I have never used XXXX
Consumer complaint received 2023-01-03
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. (FL)

There is information on my credit report that does not belong to me. The company does not follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as required by 15U.S.C 1681e ( b ) also they are reporting collections accounts which no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collection pursuant 15 U.S.C 1681c ( 4 ).
Consumer complaint received 2018-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The company name is : Portfolio Recovery. This company has sent hundreds of letters over the past fifteen to twenty years. I did contact the credit bureau 's and I had positive results, meaning this company was blocked from damaging my credit by from placing current dates as if I had recently applied for credit with their company. And now what this company do is track my addresses, telephone number 's and call leaving no voice messages but I have call block on all of my phones so the above mention name pops up 's from different states and phone number 's. This company conducts many soft inquiries a month on my credit. In the past in all of the letters it states that the statue of limitations of this debt does apply because it is an old debt, and I will not be sued in court. well since I don't have bad credit I just assumed for a long time this was a scam. Until I moved and I had many letters from this company waiting for me from this company. This nothing but harassment and I am sick of it now. I am a retired XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX   and this has to stop. How ever the person from this company that has been tracking me down all of these years makes me feel as though my life may be in danger because of the behavior of this person and the amount of time that this has been going on. What ever assistance that can be given I really would appreciate, because this misconduct must stop.
Consumer complaint received 2019-04-02
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. (LA)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3 and 4 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

There are inaccurate addresses, spelling of my name and Chapter XXXX Bankruptcy reporting on my credit reports. After viewing my credit reports on XXXX XXXX and XXXX XXXX both are showing inaccurate reporting of Chapter Bankruptcy XXXX discharged. On XXXX XXXX it's showing the Bankruptcy XXXX discharged on XXXX and XXXX   and not Equifax. On XXXX XXXX it's showing on Equifax and not XXXX ( attached ). 

So I contacted the couthouse in XXXX Mississippi listed on my Equifax report because on XXXX has it listed as " Federal Court ''  this bankrupcty was dismissed, not discharged and is not reporting 100 % clear and accurate information FCRA 609 ( a ) ( 1 ). The Date of filing is inaccurate also. 

After more research I found that this was also a violation of all 3 companies to insure that grave responsibilities with fairness, impartiality, and a respect for my right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ). In the case of XXXX Vs XXXX  " reasonable procedures should be carried out to assure maximum possible accuracy '' on my credit report 15 U.S.C. 1681e ( b ). 

And THE ELECTRONIC CODE OF FEDERAL REGULATIONS 660.4 Direct disputes. ( iv ) Information derived from public records, such as judgments, bankruptcies, liens, and other legal matters ( unless provided by a furnisher with an account or other relationship with me, the consumer ). I had no relationship with the courthouse or whatever company furnished this information. 

FDIC 600.1 Authority and purpose ( b ) The Fair Credit Reporting Act requires that XXXX, Equifqx, and XXXX provide information to be fair and equitable towards me with regard to the confidentiality, accuracy, and proper use of any information reporting on my credit profile. 

And first-hand knowledge, which means XXXX, Equifax, and XXXX should have on file, if this Bankruptcy was accurately reporting, the actual petition of the bankruptcy, bearing my signature in BLUE INK according to FCRA 603 ( 2 ) Verification ( I ) made in connection with an application that was made by, or a transaction that was initiated by me, or in connection with a review of an account under section 604 ( a ) ( 3 ) ( F ) ( ii ) [ 1681b ]. 

FCRA 604 15 U.S.C. 1681b XXXX, XXXX and XXXX   maintains under my social security number ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order. Making this BANKRUPTCY FILING INCORRECT, INACCURATE AND UNVERIFIABLE.
Consumer complaint received 2023-01-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I contacted Mohela on XX/XX/XXXX to complain and get this corrected : Mohela is applying my employer contribution of XXXX to the interest. 
They apparently started doing this in XX/XX/XXXX. I just noticed. 
They stated they sent an email out and said I could not change it. 
They said it is now a 'policy ' if the payment is not made on the exact same date as my payment, it will now go to interest and there is nothing I can do about it. 
They know that this is not possible to line up all employer contributions to go on the same day as the payment. Besides the fact that I am XXXX XXXX XXXX and have $ XXXX in student loans that I am trying to pay back, this small contribution that my employer makes on my behalf should be applied to the principal as was the intention when this program was initiated. I think it is a complete scam that they 'changed " their policy. This contribution was to ease the burden of the student loans.
Consumer complaint received 2022-03-04
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. (WI)

There is a mortgage from XXXX XXXX company that does not belong to me. This is my ex-wife. Somehow, even though I make no payments on this mortgage, and the name on it is not my legal name, this is being reported to the credit agencies with a devastating impact on my credit. 
XXXX refuses to give me any information about this mortgage. Repeated calls to them have been useless. How can I fight to get this off my credit report when I am unarmed with the facts? 
This only showed up on my credit 18 mo ago, NEVER prior to this.
Consumer complaint received 2019-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (SC)

National Credit adjusters has reported a delinquent debt of {$1500.00} on my credit report from XXXX. I have no knowledge of this account and was never informed of this being reported. I recieved zero letters about this collection, I only found out about it after checking my credit report in XXXX of XXXX. I sent a letter to the company asking for validation of this debt in XXXX of XXXX. The company never responded. It is now two years later and this remains on my report and I have no idea where this came from. This debt is not mine and I want this removed off of all my credit report immediately.
Consumer complaint received 2018-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

In XXXX of XXXX, I sent in a letter to the law office of XXXX XXXX XXXX and National Credit Systems and also all 3 credit bureaus in regards to a collection from XXXX XXXX  XXXX. The collection is stating that i owe {$1.00}, XXXX. XXXX XXXX is stating that I was evicted in XXXX of XX/XX/XXXXbut my lease agreement clearly states that my lease expired in XXXX of XXXX. I was no longer living at the residence in XX/XX/XXXX which is why I do not understand why I am being held responsible for rent charges between XX/XX/XXXX to XX/XX/XXXX. I have sent in numerous letters asking that the company to verify the charges and explain why the account is listed on my report. I never received a letter from National Credit Systems but I did receive a letter back from the office of XXXX XXXX XXXX. P.C. The office sent me a copy of my lease agreement. The information listed above can also be seen on the lease agreement and it shows where my lease expired on XXXX. I challenge the accuracy, compliance and reportability of this listing.
Consumer complaint received 2019-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I am trying to cancel my escrow account with my mortgage loan servicer OCWEN. All payments have remained current during the past 12 months. The underlying mortgage does not have a negative escrow balance or other outstanding delinquencies. There is not tax or insurance payment due within the next 45 days. There is no forced-placed insurance policy on the account and the underlying mortgage has not been modified within the last 12 months to include an escrow account. 

OCWEN is citing IL State Law 765 ILCS 910/5 ( Section five, paragraph 4905, Chapter 17 ). They state that this law requires that homeowners in the state of Illinois are required to maintain an escrow account until the LTV has been reduced to 65 % or lower. This law has no provisions on requirements of escrow accounts, in fact this law only states once a mortgage is reduced to 65 % of it's original balance the Mortgage Lender must notify borrower that their escrow account may be terminated or may elect to continue until a termination request is received or mortgage is paid in full, which ever occurs first. 

For your reference, this information was obtained from the following website : XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXX I have not been told that an escrow accounts is required according to an investor requirement or federal law/rule. They keep citing this IL state law that says they are allowed to hold my escrow dollar hostage until the LTV reaches 65 % LTV. I  would like for the CFPB to research this issue with OCWEN servicing to ensure they are interpreting this IL statue incorrectly and holding onto escrow monies longer than are allowed under federal/state rules or laws. If this is happening on my account there can be thousands of others in the state of IL where their escrow dollars are being held hostage by OCWEN and that is not right.
Consumer complaint received 2022-09-07
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. (AZ)

in accordance with the fair credit reporting act XXXX XXXXXXXX ACCT # XXXX has violated my rights.

15 U.S.C. 1681 section 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 2019-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/2018, XX/XX/2018, and XX/XX/2018, I have submitted disputes and 609 letters regarding investigation into XXXX XXXX XXXX about an account. I still have not received any information from TRANSUNION regarding debt verification from the company. I have also requested several times information directly from the company with no response other than late or missed payments. I refused to keep sending money for an unverified debt or contract. Transunion has continued to ignore my investigation and provided no documentation from the XXXX
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1971 SSN : XXXX PH : XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Consumer complaint received 2023-01-28
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. (IL)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D. SCOTT CARRUTHERS (CA)

XX/XX/2019 A debt collector/ Lawyer 's office started to call my place of employment months ago but more so in one week recently. The unidentified caller demanded payment and my personal financial information that very minute or else I will be sued as threatened in the past. I kindly asked for the calls to stop as I have before. That same week the same nameless person ( who refused to give me a name ) once again threatened of a lawsuit and stated I would be embarrassed at work for wage garnishments. Last call was a woman laughing and stating I will be in court and hung up .My place of employment has caller ID and all revealed the name of the same company and phone number. Clearly, this company does not honor the FDCPA rights. In addition, the main lawyer of this company has been in and out of practice due to violations of the California state bar. Now my lawyer needs to take action against this company.