davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
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. (NY)

To : Consumer Financial Protection Bureau, XXXX is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. The Fair Credit Reporting Act Section 611 ( a ) stats that a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has almost been 45 days. The items that I have listed within the correspondence I sent them must be deleted immediately please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2019-08-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (WA)

Loan Care is servicing the loan which we fell behind on and we have been trying to get our short sale approved since XXXX. My agent says they don't know the process, they are asking her for things that are not legal, and now that the appraisal has been done and our offer is meeting the net, they will not send an approval. The underwriter 's name is XXXX, she will not return my agent 's calls. The supervisor we have been dealing with is named XXXX, he just continues to say that she will call us, but we have been in this loop for weeks. Today my agent called in 3 times, was on hold for over an hour and a half the 3rd time and was then disconnected.
Consumer complaint received 2023-12-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A. (NY)

Citi App CD matured on XX/XX/2023 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Requested to send me a check and close the account during grace period on XX/XX/2023. The account is closed right the way and I've been told I will received the check in mail 10-15 business day. Citibank does not provide any confirmation to the customer. 

Citi App Check not received, be told my account is not been updated and have me visit the branch. 

Branch : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Staff : XXXX XXXX, XXXX XXXX Customer Service : XXXX Check not received, visited the branch on XX/XX/2023, branch said they can not handle the transaction made online. Called the customer service and been told that she 'assure ' the check will be sent by XX/XX/2023. Citibank does not provide any confirmation to the customer. 

Branch : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Staff : XXXX XXXX Customer Service : XXXX Check not received, visited the branch on XX/XX/2023, branch said even I open an account at the branch, still have to call CS to see if they are willing to transfer the money to the account. Called customer service and the machine had no record of my account or SS number. The staff of the branch recommended to press '0 ' to see if I could get to one of the live representatives. It was not working and staff could not do anything else to help.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Multiple times I have requested that my non-public personal information and NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, to stop disclosing, to any and all non affiliate third parties. For example, Credit reporting Agencies, which are clearly by definition, non-affiliate third parties and qualify under the FCRA and the Dodd Frank Act for consumer privacy protection as non- affiliated third party. They have refused to stop disclosing and continue to violate my personal private information without my express written consent. Under the FCRA the Dodd Frank Act and the Privacy Act of 1974. This must stop immediately.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My information was sold and brought illegally because I was a victim of the Equifax data breach. 

I want these Items deleted from my credit report effected immediately. I attach proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2023 XXXXXXXX XXXX Date of inquiry XX/XX/2023 XXXXXXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX number- XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I attended University at XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. this was not a federal loan the school allowed me to attend XXXX room and board. I was unable to get financial aid so I was allowed to stay After that I left school because I did not have the money to pay for the semester I owed so I left. The statute of limitations has expired on this debt. Yet I am being harassed by XXXX and the Louisiana department of justice collections unit over this time-barred debt. I called FAFSA and they told me this is not a federal loan but a private loan from XXXX and it is still listed in my loans from federaloans.gov since the school reported a balance owed. XXXX is my loan service provider so I called them and they said my loans were all deferred even the XXXX timed barred loan. So I need help because of the Louisiana dept. of justice, collections unit are trying to get me to agree to pay now under duress. Federal law prohibits the collection of a debt timed barred and if not timed barred this law prevents repayment requests while in school. I am asking either 1. XXXX account be removed from my credit report 2. get them to comply with federal law regarding deferment and to stop harassing me.
Consumer complaint received 2016-01-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Commonwealth Financial Systems, Inc. (NJ)

I have several accounts that were to be billed to XXXX as a result of an attempt on my life in 2007 and I have funds to pay for related medical, appts, diagnostic etc. 
I have NO DOCUMENTATION FROM ER IN XXXX AND SEE THIS AS WELL! LIVED XXXX MON AWAY FROM THE.AREA 5 YRS THIS WK! 
I HAVE INCLUDED THE MEDICAL INFO AND BOLLINH YHAT OS THEVSE COORDINATION OF BENEFITS. YET STILL NOT A SYSYEMENT WASVSENT TO ME. HAVING HAD CRAMIAL XXXX, XXXX XXXX ALL COVERED IN PAST AND NOT RECEIVING ANY BILLS ... NO EXPLANATIONS? ... 
PLEASE HELP THE XXXX ACCOUNTS THAT I HAVE NO DOCUMENTS SUPPORTING ANY OF THIS. 

ALONG SAME EXACT ERRONEOUS .OR LACK OF INS BILLING ACUMEN ... COMMUNICATION BY LAW YET THEY HAVE REPORTS ONDTEAD OF BILLING INS ETC. 
XXXX XXXX XXXX XXXX had been privided the billing information and I have XXXX secondary. 
Not only didI not receive ANY NOTICE of an issue regarding slow pay, balance in addition, XXXX amount would have been adjusted amd I also advised XXXX XXXX. XXXX receive a charitable write off for the local hospital and since my services all being covered under XXXX, I see the XXXX on my credit report that is to be XXXX No fee, no copay yearly and I have seen multiple amounts that that reflect I did not pay or pay timely. 
Additionaly, I have a XXXX XXXX and we have no.msil carriers in private community yet this information goes unheard. 
There is NO CROSS-REFERENCE and ALL MAIL PKGS are not just undeliverable, I was advised by multiple businesses that they never received it back from the XXXX MAIN Post Office resulting in no notice of payment. .slow payment. .which I still can not imagine how all these covered by XXXX XXXX XXXX and I see a XXXX who read the films and his office was to bill XXXX as well..then coordinate to XXXX. 

Please help me with multiple derogatory. ..and being on fixed income as result, I chose to build my credit ... and to see this service to streamline the assistance that several points of not being followed through is such a help through XXXX XXXX.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

We purchased a new Car in XX/XX/2022- which I did authorize XXXX XXXX to run my credit but after reviewing it there are a lot of inquiries showing which have nothing to do with my loan from XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this showed up twice with XXXX different dates XX/XX/2022 and XX/XX/2022 which i authorized neither one of them
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

On XXXX, I mobile deposited a check into my personal Chase checking account. The valid check was addressed with my name from my landlord for a security deposit return in the amount of {$3400.00}. Chase Bank has withdrawn the funds from the check makers bank account, but has not released them to me or returned them to the maker of the check. Additionally, Chase has entirely suspended all of my other unrelated funds associated with this account, a total of {$84.00}, and closed my account. Chase Bank is now refusing to issue the funds ( both the {$3400.00} and the {$84.00} ) to me. They also have refused to issue the check funds ( {$3400.00} ) back to the maker of the check. Due to the negligence of Chase Bank on this matter I am currently being held liable for these funds. 

In attempts to resolve this issue with Chase Bank, I have spent a total of 227 minutes on the phone with their customer service. I first reached out to them on XXXX for a total of 32 minutes on the phone and then visited their branch in XXXX XXXX, XXXX XXXX XXXX XXXX to inquire as to why I could not access the funds. I was told the funds would be made available in 5-10 business days at the bank. My account was then suspended and the time had passed so I reached out again on XXXX to their customer service. I had 4 calls on XXXX ; XXXX 22 minutes, XXXX 1 hour and 43 minutes, XXXX 4 minutes, XXXX PM- 53 minutes all in an attempt to resolve the issue. No feasible resolution was offered. When the funds were deducted from my account on XXXX as " DEBIT DDA- CHECK CHARGE '' by Chase, I called again to inquire for a resolution for 6 minutes at XXXX and 7 minutes at XXXX. Through all of these communications no resolution for the release of these funds has been made.
Consumer complaint received 2018-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

on XX/XX/2018 I tried accessing my online banking account with Bank of America. My login credentials did not work. To avoid locking my account, i tried to reset my password. After giving my debit card and SSN details, I was then given a message that i no longer had online banking access and to call customer service. I called customer service and I can not get in contact with a human being. I keep being asked for a card number, and then Im told the card number does not exist. The automated system refuses to connect me to a human being. That last email I received from Bank of America was on XX/XX/2018. I have not since been in contact with Bank of America nor have they tried to contact me regarding the status of my account.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 XXXXXXXX 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 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Southern Credit Recovery, Inc. (LA)

i have several collections for services i never received or authorized. from the southern credit recovery for {$830.00}, XXXX XXXX for {$6600.00}, {$1400.00}. also, XXXX XXXX for {$130.00} and i never signed or authorized any of these charges. Also child support is showing {$8200.00} and i never went to court and proved any paternity or took any blood test to prove myn relations. would you please assist me in removing these unauthorized accounts. thanks
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX submitted several certified letters to XXXX, Equifax and XXXX to erase all my old address, telephone numbers and old address. They also submitted several certified letters to dispute charge off and inaccurate reports what is left on my credit.
Consumer complaint received 2022-03-22
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-04-15
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: Global Lending Services LLC (FL)

I recently pulled my credit report and noticed 2 hard inquiries on my report without permissible use. According to the FCRA they should be removed. Can you help with deleting these inquiries.
Consumer complaint received 2021-03-10
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. (NC)

On XXXX XX/XX/2021 some one applied for credit card under my name without my consent, I do not acknowledge any debt, I want everything to be deleted Im a victim.
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (NC)

Let it be know to all that XXXX XXXX XXXX have purr perjured themselves again! A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law - Heres another example on record again today. They claimed that dispute number XXXX is a duplicate of XXXX lol- it is not even remotely they same dispute and certainly not a duplicate! They are out of control!
Consumer complaint received 2022-07-06
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: ENCORE CAPITAL GROUP INC. (CA)

This company MIDLAND CREDIT MANAGEMEN Original Creditor XXXX XXXXXXXX XXXX XXXX has continually adding illegal fees, I have already file a complaint on this account to the bureaus and to the company but they never responded to my request.
Consumer complaint received 2021-06-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC. (FL)

I called Axos bank on XX/XX/XXXX to inquire about a promotion to receive {$100.00} bonus for depositing {$250.00}. A rep. named XXXX said that was all I needed to do. I specifically asked if I needed direct deposit and he said " No ''. They say it is a on recorded line. I asked them to preserve the calls. After I opened the account, I called again once my linked checking account was effective, to ask which account to deposit the {$250.00} checking or savings. A different rep. now says I need direct deposit or else I won't get it. I said XXXX told me so you should honor it. I asked to speak with a supervisor and they said he will call back the next day. He never called at all. I called again 4 business days later today XX/XX/XXXX and surprisingly XXXX answered again and said the Sup. left a secure message on their website for me and I asked again for a supervisor and XXXX said I can't speak to anyone else. It is absolutely below the basic business standards to not be able to get a supervisor. They lied about their terms on the phone giving me false information they should be responsible for and held to it. They lied about a supervisor calling on the phone. They won't make things right. I do not want to do business with them unless they pay me the {$100.00} and wouldn't of started with them without it.
Consumer complaint received 2021-06-12
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (TX)

Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/2020. Due to Covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my credit report, I want removed because I am a victim of Covid-19 and legally Freedom Mortgage Corp should not have them there.

Freedom Mortgage Corp, declined to assist me with this matter, disregarding the law, Congress put in place.
Consumer complaint received 2022-02-17
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. (GA)

On XX/XX/XXXX I disputed the following bankruptcy listed on my TransUnion consumer report : XXXX XXXX XXXX XXXX XXXX  Georgia. The dispute came back verified as accurate on XX/XX/XXXX. 

I called TransUnion to discuss the details of the investigation and to confirm the furnisher of the information on XX/XX/XXXX. A representative by the name of " XXXX '' in the " Specialized Fraud Department '' told me it was furnished by the XXXX XXXXXXXX XXXX XXXX XXXX  Georgia. However, the bankruptcy court already stated they do not furnish any information to credit reporting agencies and are not responsible for the misuse of that information. He stated he did not have much information and asked if I would like to open a new dispute only. 

As requested, no proof of investigation was provided. Proof of my expressed written consent to furnish the bankruptcy as per 15 USC 1681b Permissible purpose of consumer reports, was not provided either. TransUnion did not have my expressed written consent to furnish this bankruptcy on my consumer report. It is a violation of federal law under Title 15 of the US Code. 

I also recently disputed the above referenced Chapter XXXX Bankruptcy with XXXX XXXX because it was being furnished and shared with TRANSUNION, and other third-parties without my written consent or authorization. Furnishing bankruptcies without the expressed written consent of the consumer is an Invasion of Privacy and a violation of the Privacy Act of 1974. 

As a result, XXXX XXXX has removed this bankruptcy case from their records in compliance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) I have attached a copy of the investigation results showing the removal of the bankruptcy case. 

Because TransUnion did not perform a reasonable investigation, or provide me with accurate information on who is furnishing this bankruptcy, they are in violation of FCRA 1681 for willful non-compliance and negligent non-compliance punishable by federal law.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My credit report is showing late payments to XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX customer service representative.