davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
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. (OH)

In Accordance with the Fair Reporting act XXXX Account, 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 2020-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

In XXXX, a payment was taken out of our escrow account by our mortgage company, Mr. Cooper to pay someone else 's hazard insurance in the amount of {$7600.00}. We discovered that they had made the error in the early XXXX, when I found that our escrow balance was significantly negative on our monthly statement. I called the Mr. Cooper insurance department to find out what was going on and immediately, Mr. Cooper took responsibility for the error and told me our account would be refunded as soon as possible. 

In XXXX, our mortgage was transferred to a new company and unfortunately, our negative escrow balance followed us to the new mortgage company because it hasn't been resolved. We are attempting to do a streamline refinance and can not because of the negative escrow balance that was created by Mr. Cooper 's error. 

After numerous calls to the XXXX department, escrow department and escalations department within Mr. Cooper, the issue is still not resolved 4 MONTHS LATER! We have been told multiple times that a refund check was being mailed to us. When the check does not arrive as promised, we call back and get a different story from a different representative from the company. Mr. Cooper has assigned a escalations department representative to our account to help us resolve it, and she will not return calls or emails. 

In my opinion, this is fraudulent. Mr. Cooper took money out of our escrow account by error and are not returning it. This issue has gone on for 4 months without resolution and we are running out of patience!
Consumer complaint received 2019-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX -XX/XX/XXXX 2. XXXX XXXX XXXX XXXX -XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

XXXX XXXX I made a purchase at XXXX XXXX XXXX  for XXXX. It shows the transaction went through successfully on Cashapps end. I was charged XXXX by XXXX XXXX. 

On XX/XX/XXXX XXXX XXXX issued me a refund for XXXX back to my Cash card. 
I also have a transaction number receipt from XXXX XXXX showing that they processed a refund on their end back to my Cashapp account. 

I also made a successful purchase for XXXX to XXXX XXXX the same day ( XX/XX/XXXX ). Since the cruise was cancelled, XXXX refunded me for that cruise and I received the refund with no issues. The refund shows XXXX in black bolded letters showing that the refund amount successfully deposited to my account. 

For the XXXX refund On Cashapps end the refund is showing the refund amount but it is greyed out and has a strikethrough line through the amount. Normally when Cashapp issues refunds the refund amount shows a plus ( + ) sign in bold font plus the dollar amount. So this is off that there is a gray strikethrough & nothing has deposited to my account. Where is the money and why has that one not refunded!?! 

Nothing ( the XXXX ) has deposited to my account. No one has been able to assist me with receiving the refund to my account. This has happened to me in the past where Cashapp illegally kept a XXXX $ dollar refund from me and I basically lost money on my end because they refused to assist me in anyway.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I don't remember the dates as its been a while since I first brought this process credit reporting companies ( Transunion ) manipulating my credit score based upon arbitrary and capricious determinations.

Instead, they are basing the score on the number of credit cards I use ( 3 ) rather than my excellent payment record and credit with the credit card companies.

I brought this to their attention previously and as I stated it's been some time ago. 
But recently, XXXX when I received my billing online from the credit card company the also a service provide a FICO score. 
This is where the problem occurs. In or around XX/XX/XXXX and prior to that date ( I've had this service for quiet sometime. 
At the highest score in or about XX/XX/XXXX the FICO score was, XXXX. I then dropped XXXX points for no obvious reason. I obtained a COPY OF MY CREDIT REPORT AND REVIEWED IT AND THERE ARE NO ADVERSE SITUATIONS SUCH AS, PAYING LATE, EXCEEDING MY CREDIT LIMIT, CARDS BEING CLOSED DUE TO DELINQUENCIES, OUTSTANDING DEBT, BANKRUPTCY, ETC. 
THE ONLY 'REASONING ' TRANSUNION GAVE IS THAT I USE XXXX DIFFERENT CREDIT CARDS TO MAKE PURCHASES. NOT, THAT I HAVE AN EXCELLENT CREDIT REPORT, PAY TIMELY, HAVE NO ADVERSE REPORTS FROM CREDITORS, DISCHARGES OF DEBT, LATE FEES AND INTEREST, ETC. 
For a period between XX/XX/XXXX thru XX/XX/XXXX my credit score has went from a high of XXXX to a low of XXXX. This is when Transunion uses an arbitrary and capricious determinations to recalculate your credit score. 
I'm thinking realistically it should have increased to the maximum credit score,XXXX  I pay timely, even before the due dates in most cases. Even when having the account set up with what is referred to as, Autopay ( a directly withdraw from my financial institution monthly. Thanks, for your checking into this obvious intentional manipulation of my credit score.
Consumer complaint received 2019-01-04
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: Experian Information Solutions Inc. (NJ)

According to my recent credit report request from XXXX, XXXX, Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX   XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX contact information XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX  , XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME
Consumer complaint received 2023-03-23
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: LCI Acquisition Inc. (GA)

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2019-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Made a deposit to my Chase account on XX/XX/XXXX. The check was paid and cleared by the issuing bank on XX/XX/XXXX. I was then charged {$230.00} in overdraft fees on a cleared deposit of good funds.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Alorica Inc. (CA)

On XX/XX/XXXX, I was approved for a {$7000.00} hybrid loan from XXXX. {$4000.00} available immediately, and {$3000.00} secured in a 'locked ' savings account. The monthly payment was {$320.00}, which I kept current. 

On XX/XX/XXXX, I received an email from XXXX stating that my loan was being taken over by their 'trusted partner ', SST. The monthly payment was still {$320.00}, which I kept current. 

On XX/XX/XXXX I decided to pay the loan off and have the savings account unlocked. I initiated a payment of {$4000.00} which was processed, and deposited, by SST on XX/XX/XXXX. I immediately called SST and asked them to release the lock on the savings account so I could access the much-needed funds. Was told they would unlock the funds and have it deposited to my checking account as soon as possible, but no later than XX/XX/XXXX. 

It is now the end of business on XX/XX/XXXX and I still do not have the funds. Furthermore, SST outright lied on an email to me about the payoff of the account, claiming it was XX/XX/XXXX ( please see attached document ). The payoff was 17 days earlier. 

Furthermore, SST initiated an auto-withdrawal from my checking account AFTER I paid off the account even though I have called numerous times informing them the auto-withdrawals need to stop immediately. In total, XXXX/SST owes me {$3300.00}, DUE IMMEDIATELY.
Consumer complaint received 2019-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (PA)

In reviewing my credit report, I noted a medical debt and have attempted numerous times calling the company listed on my report to resolve it. I have called probably 8 times, each time am placed on hold for 20+ minutes by an automated system. I select the option for an automatic call back and they never call me back. I am trying in good faith to resolve the debt and receiving no reply from this company.
Consumer complaint received 2018-11-03
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/2018 I had a hard inquiry enter onto my credit report. I noticed it was through a bank, I havent applied for anything to obtain this inquiry, so I contacted the company from the phone number provided in the inquiry, they were unable to find any account for my social, however found plenty with my name. Was wanting to file a complaint to have this remove from my account.
Consumer complaint received 2019-03-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Compass Recovery Group, LLC (NY)

On XX/XX/ 2019, a representative from Compass Recovery Group contacted my son and left a message on his cell phone with an XXXX number for me to call them. When i called this number, I was surprised to see it was a collection agency. The woman i spoke with did not verify me by name, address, DOB or give me a Mini Miranda warning.She also did not tell me how much the debt was. After I explained my financial situation and living arrangements ( I'm out of work on Worker 's Comp and receiving NO benefits ; I live with my elderly mother and care for her. She is on a fixed income ), she kept insisting I ask my family or friends to help pay this debt.She then stated they would just turn it over to another associate and get a judgement. I told her to go ahead. I have no dispute with my owing it. 
What I have an issue with is the direct violation of the FDCPA. I recently worked in collections and I know the laws. There is also a HIPPA violation with this woman not verifying me and disclosing sensitive information. A debt collector may also not leave messages.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I modified my mortgage through XXXX XXXX XXXXy on XX/XX/XXXX and received a cancel debt for {$58000.00} which don't state it nowhere in the mortgage note, I've called serval times  and talked to an XXXX XXXX about the balance and canceled debt, she stated that the balance shouldn't be that amount and also told me that mortgage had been sold to XXXX XXXX XXXX, I have been emailed XXXX for them to explain but the only them they explain is the note. I have not been late or behind in mortgage since XXXX
Consumer complaint received 2019-01-04
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: Medical Data Systems, Inc. (LA)

Medical Data Systems, Inc placed a collection account on my credit report. I request validation of this account as I thought it was not mine. After the 30 day investigation I was sent no proof of validation or any information at all from the company showing that this account belongs to me. I then tried to dispute the information once again and still it was said the FCRA requirements were met. 

The company has not met FCRA requirements and should remove this account information from all three credit bureaus immediately.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I have unrecognized and unauthorized credit inquiries on my report. I have never had any accounts with any of these named inquiries, nor have i applied for credit with any of them. 

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 2023-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP (MI)

Key bank has taken my money and wont give it back even though XXXX XXXX which is who they took my money for has told them on A LOT of occasions I DONT OWE THEM! But for some reason they refuse to give my money back. The manager of the hotel has agreed to talk to them and has sent emails. Ive sent emails and so have XXXX. They still wont refund my money. I dont have a lot of money so I need it back ASAP!
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (IL)

hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NH)

This fall, I received in the mail and email a special offer if you activate and spend {$500.00} per month, you will earn {$30.00} additional XXXX XXXX for the months of XXXX, XXXX, and XXXX. I thought that was a good deal, so I activated my XXXX XXXX card and started using primarily that card for holiday shopping and vacation. I called the company questioning where the XXXX XXXX  were today ( XX/XX/19 ) and I was told I never activated the promotion. When receiving the follow up mail, it said if you already activated your card, ignore this. So now I am out the additional XXXX XXXX and since I wasnt using my normal card, I didnt get that cash back. I am very frustrated. And this is the third issue I have had with this XXXX XXXX/citi card since activation in XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XXXX Date- XX/XX/XXXX XXXX XXXX XXXX Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX XXXX || Date- XX/XX/XXXX XXXX. XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXXL || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX XXXX XXXX Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX XXXX || Date- XX/XX/XXXX
Consumer complaint received 2021-04-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I provided proof that the XXXX bill, XXXX/XXXX bill and XXXX that is on my credit was paid in full. I provided documentation. MY BK XXXX was denied and therefore the debt was no loner BK protected and I paid all of these debts in full. Yet, XXXX, Equifax and XXXX are still reporting BAD DEBT and Derogatory. I have been fighting for correct information for over a year, and would like these debts to be investigated thoroughly and do not exceed 30 days to correct.