davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-14
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. (FL)

1. A am a victim of Identity Theft and have filed a report with the FTC. 
2. My Name, SS #, and Date of Birth were stolen, and the thief was allowed to add a fraud XXXX email account, add another phone # and address to my TransUnion Credit Report, and were able to obtain a Credit Card in my name mailed to the address they added to my Credit Report. 
3. I called XXXX today after checking my report to make sure corrections were made and I do have a 7 year free credit report alert monitoring - which I confirmed - I have a " Pin # '' which I would need to use if I needed to get information - or unfreeze - my credit report - XXXX   did not ask me for this information - which I thought was concerning - since this is supposed to protect me. 
4. I have opted out from receiving any direct mail from banking agencies etc. as well as other direct mail over a year ago. 
5. Although I am not receiving those, Companies are STILL ALLOWED TO MAKE " soft inquiries '' and get my CREDIT REPORT.

6. XXXX will NOT stop " soft inquiries '' without me sending more " personal '' information - including - Driver 's License, Bank or other type Date of Birth, etc. in writing - I do not feel I should have to mail them MORE personal information. 
7. I do not want anyone checking my credit report for any reason without my permission.

8. I don't think any of the requests should be allowed or honored - this is an invasion to my privacy which has already been compromised. 
9. TransUnion and XXXX indicated that existing creditors are allowed because of the CRA Credit Reporting Act can continuously look at my report - EVEN if I am never late and have a great credit score. 
10. XXXX  said I can OPTOUT of these inquirie in # 9 - by furnishing in writing the more intense " personal data ''. 
11. SO THERE IS CONFLICTING INFORMATION GIVEN TO ME - IF THE CRA IS ALLOWING THIS - IT SHOULD BE STOPPED - AT LEAST FOR THOSE OF US THAT CONTINUE TO HAVE GOOD CREDIT.
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

On XX/XX/23 I made a payment of {$650.00} towards my car loan with Fifth Third Bank, from a XXXX checking account containing {$2800.00} on the day of the payment. The payment posted and according to Fifth Third 's site everything was fine. On XX/XX/23 the payment was reversed without notifying me. I found out on XX/XX/23 when I received an email saying only " Your account needs attention ''. 

I contacted Fifth Third and was told the payment was rejected by XXXX, I was told that usually means insufficient funds. They said there was nothing they could do and to try again with a different account. The initial XXXX payment attempt doesn't even show up in all of the screens in my online account. However at no point did my XXXX account contain less than the amount of the loan payment. From what I'm able to see in my XXXX accounts/alerts there was never an attempt to withdrawal the payment by Fifth Third. I had even checked the day after the payment supposedly posted and there was no withdrawal from my XXXX account. If the account information was correct, as I believe it was, and XXXX truly rejected the payment then I received nothing at all in any form from XXXX on the matter. 

Some quick research tells me this kind of issue is common with Fifth Third and I am very disappointed that something like this can happen at all.
Consumer complaint received 2017-07-21
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (NJ)

Due to underemployment and XXXX XXXX XXXX and XXXX, my part-time work earnings could no longer pay my mortgage as of XX/XX/XXXX. I am seven months post-XXXX hearing and the judge on my case can not make a decision. I never dreamed I would be waiting this long for back pay owed me under XXXX after working full-time over 43 years of my life. I started collecting Social Security on XX/XX/XXXX which is helpful added to my part-time salary. XXXX is the debt collector for Chase who holds my mortgage. I applied and they denied me mortgage assistance this spring. I spoke with XXXX XXXX and participated in a lengthy financial counseling session with XXXX XXXX XXXX as advised. I also applied online and traveled to HUD onXX/XX/XXXX for a XXXX XXXX grant. While visiting my only surviving relative, XXXX mailed threatening paperwork for a Trial Period Plan demanding payment of {$1100.00} by XX/XX/XXXX or my home would proceed to foreclosure. I found it odd that XX/XX/XXXX would be a deadline date in this country, but I called XXXX that day after arriving home and no one answered or returned my call. When I spoke with XXXX, the newly assigned XXXX Relationship Mgr. days later, she was abusive, threatening to assign a sale date to my home if I did n't cooperate. She said, and I quote : " You 're not taking this seriously. '' I was crying and in XXXX XXXX. I explained that I had a HUD meeting for a grant to cure my mortgage loan coming up onXX/XX/XXXX and she said government programs take a very long time, I 've seen many denied and just remember, get the money in by XX/XX/XXXX or your home is for sale. I spoke with XXXX XXXX and they told me to report XXXX. She is NOT the Sheriff and is NOT in a position to threaten to sell my home.
Consumer complaint received 2017-07-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (NC)

Even though Comenity Bank closed my account, on X/X/2017, I contacted Comenity Bank & informed them that I was experiencing a hardship, & my paychecks were being garnished for taxes. They insisted on putting me a hardship/settlement program & wanted {$1500.00}. I informed them then I did n't have it nor really could make the {$500.00} payments for 3 months. I had received various telephone calls in XXXX, XXXX & XXXX afterwards & I informed them I really ca n't pay it. On XXXX, a rep name XXXX call & I informed him that I did n't have the money to pay the settlement amount {$1500.00} dollars that they are trying to collect. I informed him that I had lost my job & just started working back again & had several bills to catch up on including my rent. In addition, I had informed him the amount they are reporting to the credit bureaus was incorrect stating I owe almost {$3200.00} & then he stated that it was {$2600.00}. He stated in a rude manner, " well, how are you living and supporting yourself '' - " why did you set up the payment arrangement if you did n't have it ''. I informed him that I had informed that hardship people at their bank that I did n't even have that amount, that I 'm a single, divorced mother with XXXX XXXX from marriage that I am caring for & that I am about to be destitute. He still had a nasty tone & stated well I 'm going to investigate you. I hang up on the rude person. After the call I was very upset. During my lunch hour, I found a XXXX store & paid {$20.00} on the account. I travel 2 hours every day for my job & I used my gas money to pay something towards the account. Today, XXXX, an unknown number called & the rep left a message saying this is an important matter from the bank. I have never provided them with my work number. My cell phone is setup to block private/unknown phone numbers. They 2 seconds later, the same female rep called from an unknown number to my new job. My employer doe n't allow for these calls at my job. I informed her & stated that she is not allowed to call me at my job. She claimed that she can. I hung up on her. I turned around & called Comenity Bank & reported it & asked to speak to a manager, but they gave me XXXX from the Resolution Team. I explained to him the incident & the various conversations I had with their reps ; and, he claimed that they removed all my numbers. I asked him to report this matter to executive ( President ) he claims that he had sent the message to the appropriate person/team, but could not sent to the President of the Company and they will handle this information as they see fit. I 'm very upset about this. I have had other Comenity Bank Credit Cards and paid them in full. This one fell behind because I do not have the money to pay it right now because I have other debts that take precedence. They do n't care and they are rude and abusive.
Consumer complaint received 2021-03-09
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. (FL)

Department of Education has duplicated the same informationthrough several companies. Making it appear that I owe 3 differentcompanies the same amount of money ; and each of them arederogatory. Each of them are reporting similar information butdifferent payment histories, different start dates, different last activitydates. Upon information and belief this is done to make the additionalcompanies appear authentic. I have never had a contract with any ofthese companies and I am in fear that I will be forced to pay upwardsof {$45000.00} to clear up my name. This has caused me unimaginable ISSUE Problem with a credit reporting company 's investigation into anexisting problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THECOMPANY?

Yes TYPE OF ISSUE Their investigation did not fix an error on your report financial stress during this pandemic. I notified the three bureaus onXXXX XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXXDEPARTMENT OF EDUCATION All student loan repayments havebeen placed on hold since XX/XX/XXXX. They are falsely reporting ithas been in collections when they are legally prohibited fromcollecting. This account payment dates are inaccurate and differentat each of the bureaus. XXXX All three bureaus are reportingwhat could be a violation of a Nondisclosure Agreement ( SF-312 ). Thecontractual agreement between the U.S. Government and me is tonever to disclose information to an unauthorized person. I have neverauthorized or consented to disclosure of my personal information. This account payment dates are inaccurate and different at each ofthe bureaus. It should also be noted that the Consumer FinancialProtection Bureau has sued XXXX in XXXX for systematically andillegally failing borrowers at every stage of repayment. I will attach acopy of CFPBs press release. XXXX All three bureaus arereporting what could be a violation of a Nondisclosure Agreement ( SF-312 ). The contractual agreement between the U.S. Government and me is to never to disclose information to an unauthorized person. I have never authorized or consented to disclosure of my personal information. This account payment dates are inaccurate anddifferent at each of the bureaus. DEPTEDXXXX All three bureausare reporting what could be a violation of a NondisclosureAgreement ( SF-312 ). The contractual agreement between the U.S.Government and me is to never to disclose information to anunauthorized person. I have never authorized or consented todisclosure of my personal information. This account payment dates are inaccurate and different at each of the bureaus.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES (NY)

Denied credit. when reviewing credit report from XXXX found GLELSI/XXXX XXXX XXXX  XXXX indicating open balance of XXXX. XXXX XXXX XXXX XXXX, WI XXXX BYMAILONLY This account was fully paid off. XXXX dispute site non-functional.
Consumer complaint received 2018-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (MD)

I was not involved in running the daily operations, unfortunately, I was on a leave dealing with my ailing XX/XX/XXXX ... .... I have been put into XXXX and EWS over a {$320.00} check sometime last XXXX. 

I am willing to provide any documents needed including an affidavit, that there was NO FRAUD and any amounts owed once justified will be made good I am in Peril, I need a checking account to go forward in life, I can not get cash, I can not open an account. 

I totally object to the way my situation is being handled by the following institutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-07-17
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. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2023-07-31
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. (OH)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (PA)

A checking account ( fraudulent account number listed ) was fraudulently opened on line using my name and ss #. No other proof was needed, such as drivers license, photo i.d., signature, etc. I researched this problem on line and discovered this scam with Chase has been going on for at least a year. Why? Since Chase does not have the proper security measures in place to avoid this fraudulent activity, opening on-line banking accounts with Chase needs to cease immediately. Chase needs to be held accountable/responsible for continuing this negligent and improper practice of opening fraudulent accounts without proper vetting. Security measures are needed to protect victims of identity theft, which Chase obviously does not have in place. For Chase to continue this practice shows negligence and criminal behavior on their part, especially since Chase is aware of this problem!
Consumer complaint received 2021-04-14
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. (TX)

XXXX XXXX should not be reporting to XXXX ; XXXX  and Transunion a collection/chargeoff of {$380.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account is 2013 and this account is well over ( 7 ) years old and therefore should not be reporting at all. This false reporting is seriously harming my credit score and this line item needs to be removed. It is violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX has violated my rights under section 623 ( a ) ( 2 ) willfully updating my consumer report with information that isnt 100 % accurate nor complete. I am requesting immediate deletion of this account for your failure to comply with the law under the FCRA federal code.
Consumer complaint received 2021-03-09
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. (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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 Acct # XXXX ( Opened XXXX ) XXXX XXXX Acct # XXXX ( Opened XXXX XXXX XXXX  Acct # XXXX ( Opened XXXX ) XXXX Acct # XXXX ( Opened XXXX ) XXXX Acct # XXXX ( Opened XXXX ) XXXX Acct # XXXX ( Opened XXXX XXXX XXXX  Acct # XXXX ( Opened XXXX ) XXXX ( OPENED 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 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 2021-03-09
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: FIRST ADVANTAGE CORPORATION (MT)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-09
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: OneMain Finance Corporation (NY)

ONEMAIN FINANCIAL, Inquiry : XXXX XXXX, 2021 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have faxed proof ( XXXX ) and most recently AGAIN to both Experian and XXXX that items on my credit report were either not mine ( I was a victim of identity fraud ) or they were inaccurate yet my score with each continues to decrease. When I try now to dispute yet again, both companies have me locked out so that I ca n't even access it online anymore.