davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

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 2021-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (CT)

I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

A Car  dealer scammed a car in my name that I had no idea about. It shows on my report that It is a XXXX XXXX XXXX  and that I owe over XXXX $! This debt is completely false and needs to be removed. I will be writing a complaint to the Consumer finance Protection Bureau. I just want this false debt off my report thank you.
Consumer complaint received 2017-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (IL)

I have an open complaint ... .been waiting over 6 weeks for resolution ... ..Chase keeps stalling. I have sent all the proper documents 4 times ... .called ... .written many letters ... ..still no closure. 
Chase is trying to collect attorney fees for a debt that is not mine!! 
They keep telling me my litigation was for construction without permits ... ..that never happened!!!! 
They just do n't want to admit they made a mistake ... ..and I will not pay for their mistake.
Consumer complaint received 2021-02-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

I learned that Freedom Mortgage had acquired my loan in XXXX of XXXX at which time I contacted them to let them know I get paid on the XXXX and XXXX of every month to which they replied " No Problem '' we can handle that for you. On XX/XX/XXXX I learned that Freedom Mortgage had reported my mortgage payment for XX/XX/XXXX as 30 days late which severely impacted my credit score. Upon further investigation, I also learned that they had increased my mortgage payment beginning in XXXX of XXXX without my knowledge. My payment amounts did not change in the entirety of this timeline, however Freedom Mortgage claims they were taking the {$38.00} increase from escrow to cover the payment every month except XX/XX/XXXX. The explanation from Freedom Mortgage was that they saw an upcoming escrow withdrawal and did not want to risk taking the {$38.00} again for XXXX. No Calls, No emails from Freedom, just playing XXXX with my finances.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

There is an inquiry on my credit report dated XX/X/X/17. It is listed as XXXX-XXXX/XXXX. I have NEVER applied for this account. I looked up using XXXX XXXX and found it is an clothing outlet. I do not shop at online outlets. I then looked up XXXX XXXX/XXXX information ( again using XXXX ) and found the phone number of XXXX. I called on XX/XX/XXXX and spoke with XXXX in the Fraud Department. It was there he was unable to find the application in current and archived files. He stated that I have to dispute this with Equifax and that you all will call them and they will confirm they do NOT have my Social Security number on file for this inquiry. I am appalled that Equifax yet again has found a way to make my life bothersome again. The fact that you all would place an inquiry under my name that I NEVER applied for tells me you all are not about protecting someone 's identity. You are a joke!
Consumer complaint received 2017-11-30
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: ALLY FINANCIAL INC. (NY)

I applied for a car loan when purchasing a new vehicle - I obtained financing thru XXXX XXXX, the dealer also ran my credit with Ally Bank who in turn used XXXX XXXX - I received a letter today stating I was denied credit with Ally Bank via the XXXX credit report showing my score of XXXX. My current credit scores are XXXX, XXXX and XXXX - I am a XXXX XXXX XXXX XXXX XXXX XXXX and I am also in the XXXX XXXX and keep a close watch on my score. I have no idea where the XXXX is coming from and I feel it is incorrect and false reporting in order to charge higher interest rates. They stated the reasons for a low score were as follows : LIMITED HISTORY AT THIS PHONE NUMBER - I HAVE HAD IT FOR OVER 18 YEARS LIMITED CREDIT HISTORY - I HAVE TWO CARS, A MORTGAGE AND CREDIT CARDS THAT ARE PAID MONTHLY AND ON TIME LENGTH OF TIME AT RESIDENCE TO SHORT- I HAVE OWNED AND BEEN IN MY HOME FOR 11 YEARS TOO FEW ACTIVE ACCOUNTS- I HAVE TWO AUTO LOANS AND OVER 10 REVOLVING ACCOUNTS FOR OVER 5 YEARS I believe both Ally Bank and XXXX are at fault. I understand scores can be slightly different but definitely not by 100 points. These kinds of practices are unfair to a consumer especially if I was a consumer who did not understand how the credit score system works.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

Experian has noted that FCRA does NOT require them to maintain records of disputed accounts. Experian has " destroyed '' the records for a dispute that is not even 2 years aged ( was completed on XX/XX/22 ). 

Experian indicated that " keeping that information would be at my detriment and unfair ''. I explained that my " public '' credit report is much different than their internal notes, which I requested. 

At this time, Experian has indicated that I have never made a dispute on my credit file, which is inaccurate, as at least XXXX ( including this issue ), if not XXXX, have been logged with that agency. 

Since I can not see the details, I assume that I have the correct dispute report number of XXXX ( see attached email confirming that Experian knew of and sent correspondence related to this dispute ).
Consumer complaint received 2021-02-08
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. (GA)

I have never had any STUDENT LOAN ACCOUNTS! I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of dispute dated XXXX XXXX ... proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2017-11-30
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)

I was reviewing a copy of my credit report after the equifax breach for accuracies. Noticed an account I did not recognize. I felt this account was in error so I wrote the company, attached is the response letter they sent to me. In the letter I attached a copy of my social security, id, and copy of my credit file. Per the letter the company was unable to locate my information and advised me to contact the reporting agencies to get the matter resolved. I contacted the agencies and they were unwilling to cooperate with my request even after i uploaded the letter online for them so they could view this letter. I have done everything in my power to follow the correct procedures to get this matter resolved, and yet as I type this the incorrect account continues to remain on my credit report. Thank you for taking your time to read this.
Consumer complaint received 2022-02-02
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)

The Experian credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX )
Consumer complaint received 2018-01-05
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: Experian Information Solutions Inc. (TX)

I have these accounts on my credit report that are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX {$3100.00} 2. XXXX XXXX {$1500.00} 3. XXXX {$1000.00} 4. XXXX {$41.00}
Consumer complaint received 2018-01-05
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. (TX)

I have these accounts on my credit report that are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX {$3100.00} 2. XXXX XXXX {$1500.00} 3. XXXX {$1000.00} 4. XXXX {$41.00}
Consumer complaint received 2017-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

i had submit all the doc the bank ask by fax and also by certified mail so when i call today to check onthe status of my loan modification i was told they did n't received in time and something was missing so ask many times what was missing they dindt know i have the name and badge of the person i ve talk to
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

BANKRUPTCY LETTER Your Name/ XXXX XXXX XXXX Your AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX City, State , Zip code/ XXXX IL XXXX Receiver Name/ Experian Receiver Address XXXX XXXX XXXX City, State, Zip code XXXX, TX XXXX To whom it may concern, I am contacting you because you have a bankruptcy reporting on my consumer report that is not accurate and has not been validated. 
According to the FCRA If the credit reporting agency can not validate with the ORIGINAL CREDITOR the information must be removed from my consumer file.

you are saying that the US bankruptcy courts are the furnisher of this information but the bankruptcy courts do not report to any credit reporting agency and XXXX XXXX has provided me with documentation that they could not validate this public record information. You are also false and misleading by stating that the furnisher of this bankruptcy is the U.S. Courts Your company is not upholding your grave responsibility to report, fair and accurate information, because you have never validated or verified these public record entries on my consumer report, which is a violation of 15 USC 1681a ( e ). Your company is committing FRAUD.

Because of these many violations and fraudulent activity. I have suffered greatly by not being able to extend credit, as well as not being able to sleep at night. Because you have failed to validate, verify, and uphold federal law, this bankruptcy needs to be permanently deleted from my consumer report immediately. 
Your company has 30 days by law to comply with what l am asking of you. Failure to comply is willful noncompliance and your company will be held civilly liable. 
Thank you for your attention in this matter, Last : First-Middle Without prejudice, All Natural Rights Reserved
Consumer complaint received 2022-01-06
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. (MO)

I viewed my XXXX credit report and noticed 4 inquiries for attempts to establish credit. Below are the inquires with the inquiry date : JPMCB XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-05
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. (TX)

I have these accounts on my credit report that have been deleted more than once and readded more than a year later. I have added proof of these accounts being deleted. these accounts are not mines as well or was due to fraud. 
I have these seven accounts that needs to be deleted again. 

1. XXXX XXXX XXXX XXXX {$4100.00} 2. XXXX {$10000.00} 3. XXXX {$7600.00} 4.  XXXX XXXX {$1300.00} 5. XXXX. XXXX {$1000.00} 6. XXXX XXXX XXXX {$3100.00} 7.  XXXX {$1400.00}
Consumer complaint received 2017-11-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Pitbladdo Botteron and Jarvis, LLC (FL)

I have a car through XXXX XXXX XXXX I was making payments every 2 weeks like I was suppose maybe 3 times out of the 2 years I had had it never was a problem some new company comes in calls claiming to be XXXX XXXX XXXX I make payment over the phone like I usually  do some times check my account for my card it says XXXX XXXX so  I called them up asking who they were they told me XXXX XXXX XXXX went out of business that i needed to start paying them I said to them muy loan was not through them so let me see if I can get advice from a legal person only because I was making payments but nothing was never getting reported so I go to DMV to see if I have a hold(lien) on the car  the print me out a paper saying it's still in me and XXXX XXXX XXXX name so now I'm asking question they won't or can't answer no I'm like stuck because I'm making payments every 2 weeks or just putting the whole amount down in 1 payment for the month but it's
Consumer complaint received 2017-11-30
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Onity Group Inc. (MD)

I made payment on XX/XX/XXXX in the amount {$920.00} for acct # XXXX, paid to Ocwen Loan Servicing, LLC. I notice that the payment was returned along with receiving a fund returned letter dated XX/XX/XXXX. for not sufficient to satisfy the reinstatement amount on the account. Which I have always pay the escrow, which is my taxes and insurance., The payment applied is the correct amount, that I previous pay consistently. Further investigation needs to be looked at in a timely manner according to my records. I also receive a letter separate class action suit in regards to phone calling and harrassment. and challenged the debt that is supposed to be correct. However I will submit the evidence for your record.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NC)

Thursday, XXXX XXXX, XXXX I purchased a ring for my daughter ( who is an authorized signer ) on Saturday, XXXX XXXX at the Zales store at XXXX XXXX XXXX in XXXX, NC in the amount of {$1800.00}. The ring was never in my daughters possession as she had requested it be resized. Since XXXX XXXX fell over the XXXX XXXX weekend, the ring would take several more days than usual to be sent off and resized. 

On Sunday, XXXX XXXX, my daughter called the Zales store referenced above, and cancelled the purchase of the ring. She was told by an associate that the ring had not been sent off to be resized and they would return the ring to their inventory and credit the Zales Credit Card account immediately. My daughter was told there would be no need for additional action. 

On Sunday, XXXX XXXX, my daughter checked the balance of Zales Credit Card ( with my permission ) and noticed that the ring had NOT been returned and was showing a balance of {$1800.00} with a LATE FEE of {$25.00}. My daughter then called the Zales store the ring was purchased at and demanded to know why the account was showing the ring was not returned. She was then informed by an associate who claimed to be the manager, that in order to return the ring, my signature or my daughters as she used her Zales authorized signer card, would need to complete the return. 

Due to the ineptitude of the store associate my daughter spoke with on XXXX XXXX, my account was placed in a COLLECTION status and reported to the credit bureau. I am beyond furious at this turn of events. Store associates need to be properly trained on how to deal with returns. Because of turn of events, my credit has been negatively impacted due to a store associate not understanding the return process. If we were informed the return would require a signature, there would be no question it would have been taken care of BEFORE the first due date of the payment on XXXX/XXXX/XXXX. 

The issue with the credit bureau should be corrected ASAP. I do not want to pursue this matter further by filing a complaint with the CFPB or other consumer protection bureaus, but I am beyond furious this has happened.
Consumer complaint received 2023-02-07
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)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I made a cash deposit of {$250.00} ( 2 {$100.00} bills and 1 {$50.00} bill ) and the ATM took my money but did not credit it to my account. It gave me a receipt citing an ATM error and asked me to call a 855 number. I called immediately and was told the funds would be in my account after the holiday, on Friday XX/XX/XXXX. It is now XX/XX/XXXX and the funds are still not in my account. I had to make another {$200.00} deposit to cover some of the transactions and avoid overdrafts but over the following weekend, a lot of transactions hit and overdrew the account, since they did not deposit the {$250.00}. I spoke to XXXX at the XXXX Branch, XXXX Branch Manager at the XXXX branch and they refused to give me a provisional credit on my account. The funds are still not there, and the practice that this bank has of taking funds and refusing to give provisional credits while they investigate THEIR own ATMs is the worst disservice to their customers. What if I did n't have any money for food, gas, etc.? The bank is putting people in very precarious situations and it is unacceptable!
Consumer complaint received 2017-11-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I have been in a constant battle with Navient-Private loan for years. Ive been paying on my loans for years and havent seen my principle Balance go down. They cant send me promissory notes of the loans I have with them. Interest rates are ridiculous and customer service XXXX. Theres something that has to be done. Theyre getting over on people. There are some people that do try to pay back their student loans based off income and Navient doesnt negotiate.
Consumer complaint received 2017-11-30
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. (TX)

I have a active fraud alert on my account and currently I have XXXX inquires with XXXX and XXXX with Equifax. I spoke several representatives that state I need to produce a police report. I am lost as to what the police report will do for the XXXX inquires when I placed a FRAUD alert on my account due to my personal information being stolen. I was told that I would be notified as to when anyone applies for credit in my name via my phone number. This happened a few times.
Consumer complaint received 2021-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have never had any STUDENT LOAN ACCOUNTS! I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of dispute dated XXXX XXXX ... proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.