davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-11
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX/XXXX   XXXX : XXXX XXXX : XXXXTransunion : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SERVICEMAC, LLC (FL)

Incorrect info from ServiceMac stating we were late in XX/XX/2022 and it showed on our reported pulled by lender for new mortgage when payment was made XX/XX/2022 posted and cleared XX/XX/2022 for mortgage amount of {$1100.00} and shows at ServiceMac that it was posted but they chose to commit fraud on all three credit bureaus for both my wife and myself. This payment is done online from husbands account. So now we can't get a loan even though payment was made and has been for one year. Phone calls and complaint files with ServiceMac has done no good. Please help us remove the incorrect info that ServiceMac has chosen to ruin our credit for us two senior citizens in XXXX XXXX, Florida.
Consumer complaint received 2019-09-18
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: First Investors Servicing Corporation, Atlanta, GA Branch (PA)

FIRST INVESTORS FIN SERVICES is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2021-07-02
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: United Resource Systems, Inc (GA)

Fraud Alert added to report. Suspicious inquiries reported to credit report ( XXXX  ). contacted credit bureau to have removed. 
Also collections reporting in violation of my consumer right and the Hipaa laws.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Repeated and incessant calls at all times of day, manipulating the blocked number feature by using several different numbers with separate area codes. If you'd like dates I can provide them, but they have called at least twice per day for the last two weeks. I will not put up with their XXXX much longer
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

I have an XXXX credit card from Barclays Bank. Around the second half of XXXX, I found an error in my statement and immediately called XXXX XXXX credit card customer service department and explained my concern about an unauthorized purchase at restaurant. I even spoke to the supervisor, at least the clerk told me about it. 
My old credit card has been canceled and replaced with a new one. About a week ago ( XX/XX/19 ) someone contacted me from the security department of the bank and told me that I would return {$16.00} for someone's purchase ( unauthorized purchase ). I tried to explain the situation again, even asking the clerk to allow me to talk to his supervisor ( again, as before, a couple of months ago ). The contact person only told me that the manager would call me within 48 hours. However, no one called me back. What is wrong with this bank - once issued a credit, in a couple of months it requires a money back!
Consumer complaint received 2022-08-18
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. (GA)

XXXX 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 a account without my written instructions
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Hi, I am writing to you about my account. This credit card company XXXX XXXX XXXX is furnishing you wrong and incorrect information. They continue to update information trying to keep this account active so that it will continue to be on my credit report way past 7 years. At one point this account was deleted from my credit report XXXX in the past but reappeared back. I do not know how that happened but it did. According to FCRA, this is a violation. They seem to not report the same information to each credit bureaus. That alone is a violation of the FCRA. For an instant on my XXXX  report, they are reporting that my account was charge off on XX/XX/XXXX. On my XXXX report you are reporting it was charge off XX/XX/XXXX, and on Experian report, you reported it was charge off on XX/XX/XXXX but recently it was XXXX. This is one of their tactics to keep this account active pass 7 years. This account must be deleted off my credit report because of wrong and inaccurate information according to the FCRA Act. Please delete this account off my credit report and never to reappear.
Consumer complaint received 2022-08-18
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. (CA)

XXXX XXXX Bank XXXX is reporting my mother 's credit information on her XXXX XXXX account with XXXX bank when I am only an " authorized user ''!!!. so far I know of it being reported to Experian only... but I have not checked with the other credit reporting agencies. 

today ( XX/XX/2022 ) i called XXXX bank and the cust svc agent stated that the credit card account disclosures states that " authorized user '' will also be reported to credit agencies. strangely, I asked the agent to mail or email me the " disclosures '' which he said could not be done. why not sounds suspicious to me!! 

so I went to the bank branch in XXXX XXXX, CA XXXX and got a copy of the " disclosures ''. in the disclosures it does NOT state authorized users would be reported to credit agencies! 

I am going to follow up with this complaint filing with a call and letter to XXXX XXXX bank XXXX. to immediately decease from reporting my mother 's XXXX XXXX Bank XXXX account on my credit reports!!
Consumer complaint received 2019-09-18
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. (PA)

XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES (NM)

I had a hardship that caused me to default on my mortgage in XXXX. I went into the HAMP program and the 2nd mortgage refused to participate. The second mortgage refused to do anything on the note, and sold the loan several times until after the new servicer Land Home Financial took over the loan. The books were fraudulently changed by one of the mortgage servicer 's to reflect that payments were made through XXXX of XXXX. Land Home has refused to supply payment record 's to myself, but did produce them for the New Mexico Attorney General. The payments reflect false information that the company used to then file for foreclosure, and to make it look as if the last payment was 7 months later than it truly was. They have also refused to hand over the default letters, and if Land Home only has default letters from XX/XX/XXXX, then the previous letters were either erased and hidden to try and make it look as if the loan had been paid through XXXX, and foreclosure would still be valid, but this loan is past the statute of limitations if not for the fraud that was written by the servicer.
Consumer complaint received 2019-02-11
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: EQUIFAX, INC. (FL)

Hi, I am writing to you about my account. This credit card company is furnishing you wrong and incorrect information. They continue to update information trying to keep this account active so that it will continue to be on my credit report way past 7 years. At one point this account was deleted from my credit report XXXX in the past but reappeared back. I do not know how that happened but it did. According to FCRA, this is a violation. They seem to not report the same information to each credit bureaus. That alone is a violation of the FCRA. For an instant on my Equifax report, they are reporting that my account was charge off on XX/XX/XXXX. On my XXXX report you are reporting it was charge off XX/XX/XXXX, and on XXXX   report, you reported it was charge off on XX/XX/XXXX but recently it was XXXX. This is one of their tactics to keep this account active pass 7 years. This account must be deleted off my credit report because of wrong and inaccurate information according to the FCRA Act. Please delete this account off my credit report and never to reappear.
Consumer complaint received 2019-09-19
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: Experian Information Solutions Inc. (LA)

I sent a dispute letter via certified on XX/XX/XXXX, to XXXX, XXXX and Experian asking to investigate the reporting or validate the debt of these accounts I have listed. Its been over 30 days and I have not received a response. This is violating my FTC rights. 
XXXX XXXX XXXX XXXX XXXXxxx XXXX XXXX XXXX XXXX XXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX XXXX XXXX XXXXXXXXXXX XXXX XXXX XXXX 1XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-02-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

1. On XX/XX/XXXX, I deposited a check for US {$8200.00} from XXXX into my savings account. 
2. Check was drawn on XXXX XXXX XXXX. It was issued by XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX. 
3. On XX/XX/XXXX, our savings account ( XXXX ) with Capital One Bank, XXXX, VA, was credited with US {$8100.00}. Please note that US {$62.00} were deducted.

4. I talked to Capital One Bank Branch Manager in XXXX and their customer support department representatives several times. Spent hours on telephone holds and got no answer as to why us {$62.00} were deducted and by whom.

5. Sent a written complaint on XX/XX/XXXX. Received a response, dated XX/XX/XXXX, stating, " ..payment dispute was not a result of a Capital One error. '' 6. Called to seek understanding several times. Wasted hours on telephone holds and no answers.

To date I have no answer from Capital one Bank as to by who and why US {$62.00} were deducted? 


XXXX XXXX XXXX ( XXXX ) XXXX Email : XXXX XXXX
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (CO)

About 5 days ago I got an agent on the phone that said he was with American Express. He started asking me for personal information and I told him I wasn't interested with American Express. He kept trying to get personal information and I told him I don't have to give it to him because I'm not interested. He said no problem. XX/XX/19 I received 11 different envelopes for me to fill out to join American Express. I was so angry.. I talked to a Rep today and she said to give this information to you and you would be able to help to clear up this situation. I had no idea people trying to get people to join could be so ruthless! I hope this story helps someone else.
Consumer complaint received 2019-02-11
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. (WI)

On XX/XX/XXXX I received an alert stating there was potentially negative information on my account. I called the credit monitoring company who stated I needed to call the lender. I had to wait until XX/XX/11 to do that. I called the lender who stated they had no record of the reported account in my name, so recommended I call the credit bureau. I called the credit bureau and could not get through to a person. I called the credit monitoring company again who gave me a different number to call stating it was for a live person. It was still for a recording and I could not get through to a person. I started a dispute online and they gave me yet a different number to call because it appeared to be fraud, but I could not speak to a person nor could I enter any information about my situation. I was on the phone for 45 minutes before the computer system disconnected me. I have also yet to receive a confirmation of the online dispute or that it has been received.
Consumer complaint received 2022-09-16
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: Southern Management Systems Inc. (FL)

SOUTHERN MANAGEMENT SYSTEMS INC. IS A THIRD PARTY CREDITOR WHO HAS NEVER RECEIVED MY WRITTEN INSTRUCTIONS TO REPORT ANYTHING ON MY CREDIT. THEY HAVE PRODUCED SOME FRAUD DOCUMENTS WITHOUT MY SIGNATURE. SOUTHERN MANAGEMENT SYSTEMS INCXXXX IS AWARE THEY ARE VIOLATING THE LAW! In accordance with the Fair Credit Reporting act SOUTHERN MANAGEMENT SYST 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 2019-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I received a bright green notice on the front of my property from the Tax collector ( XX/XX/XXXX ) indicating that my property was up for auction in XX/XX/XXXX, due to non-payment of taxes for XX/XX/XXXX/XX/XX/XXXX. I have all my taxes and insurances escrowed in my mortgage payment which I have never missed since purchasing the property at the end of XX/XX/XXXX. I attempted numerous times to contact XXXX XXXX XXXX XXXX and they referred me to the tax collector -- and I never was able to get a resolve because the taxes were not paid and the tax collector stated I needed to settle this with my mortgage company. After several months I became increasingly concerned - having checked my escrowed amounts online and seeing that all was escrowed in properly. I contacted a lawyer to assist me. During the course of his investigation he stated that finally the tax collector had a long conversation with XXXX XXXX which stated they had actually mistakenly applied the tax payments on the property to a parcel listed under my address but in a different location???? How can that be? Suddenly, my taxes all were paid within a week. Thinking this was resolved, I was relieved. The next mortgage bill was drastically higher - $ 900+ which showed that they actually " fronted '' my " shortage '' of paying my taxes and now required me to pay an additional {$900.00} a month in my mortgage payment til I am " caught up '' at the end of this year. The total they stated was the amount escrowed that they stated was paid by them on the late taxes. I have paid a lawyer over {$3000.00} to not be resolved yet. I paid my mortgage amount in XX/XX/XXXX and they cashed my check but still showed I am in arrears on the amount they say I owe them. I just received a notice from them that they will no longer accept any amount of mortgage lower than their required amount of over {$2700.00}! I have forwarded all this information and documentation to my lawyer who is trying to get this resolved but has not yet succeeded. I also had received a letter from the " Chairman '' stating that they were looking into this and would let me know the results. I have yet to hear a result. My lawyer has requested XXXX  audit my account and has not been given any results as well. They have admitted to improperly paying my property taxes that were escrowed into my mortgage on a parcel that was listed as my address but was not my property? This is fraud. Now I am being forced to have my credit ruined due to their error and am locked out from paying my mortgage by them. I need help! I need this to be resolved before my credit is ruined. I have a monthly lawyer bill and he can not even get a resolve after nearly 6 months as well as now a " late fee '' on my mortgage payments each month for the " overage '' they say they paid for me.
Consumer complaint received 2019-04-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

Since the data breach involving my equifax file, i have tried on dozens on occasions to have my credit file corrected. My identity was comprised because of that breach. My disputes were successful with the other two credit reporting companies. However, Equifax continues to report erroneous records on my credit file. Between XXXX and XXXX, I have disputed these things over a hundred times. You would think that the company would be more helpful, since their breach caused this and all I want is my file correct instead of suing for damages. This issue alone has kept me from my dream of homeownership and i am at my wits end.
Consumer complaint received 2022-08-18
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXXXXXX 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 2019-01-31
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase Bank, please answer the following questions : 1. ) On XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, JPMorgan Chase accessed information about me through XXXX XXXX XXXX , XXXX. 
*What was the valid reason for accessing my personal information through XXXX XXXX XXXX , XXXX? 

2. ) The Chase Checking Account that was closed recently during XX/XX/XXXX had a routing or XXXX number of XXXX, according to checks and statements provided to me by Chase. 
XXXX XXXX XXXX showed Chase reporting an XXXX routing number of XXXX, before and after I had disputed the XXXX number with Chase. 
*Why do these two routing numbers not match? 

3. ) XX/XX/XXXX, I received a response, from XXXX XXXX XXXX XXXX, to a dispute about information Chase was providing on my report. Dispute case ID XXXX The information Chase had been submitting was deleted due to disputed info being incomplete, inaccurate or unverifiable. 
*Is this true? 

Once again, I have asked 3. ) * questions. 

I will send the CFPB copies of the information I have pertaining to the 3 questions in this complaint, via US Mail, which are the XXXX XXXX XXXX, XXXX reports I've received. 

Thank you for your attention and humbly await your response,
Consumer complaint received 2019-09-18
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. (PA)

XXXX XXXX is reporting that on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2019-09-18
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. (PA)

XXXX XXXX is reporting that on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.