davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 602 A. States Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-24
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: Radius Global Solutions LLC (CA)

Since nearly 60 years ago I've been harassed by a collection company that has medical bills having nothing to do with me I've asked for reports and proof and nothing has been furnished they are in violation of the fcra reporting laws and federal debt collection act. Please produce original signatures or stop harassing me and remove it from my credit
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

Complaint was made to the companies about violating the privacy Fair Credit Reporting Act to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX About a fraudulent account opened XX/XX/2018 for {$2500.00}. 
And XXXX XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting Act. This account has violated my Federally Protected consumer rights to privacy and confidentiality under 1 In accordance with the Fair Credit Reporting Act. This account has violated my Federally Protected consumer rights to privacy and confidentiality under 15 U.S.C. 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 Lao states a consumer reportito communicate with me under the the 15 U.S.C. 1692 C5 U.S.C. 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 Lao states a consumer reporting agency can not furnish my account without written instructions In accordance with Fair Debt Collection Practices Act. Debt collectors are not allowed ng agency can not furnish my account without written instructions In accordance with Fair Debt Collection Practices Act. Debt collectors are not allowed
Consumer complaint received 2021-05-03
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. (NC)

I have reviewed a copy of my credit report and I show company XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX  ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-08-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I have tried for over 4 months to get a loan modification due to me losing my job. The co borrower is in Bankruptcy and having a difficult time as well. After I pay my mortgage, I don't have food to eat. I have since taken a job, two counties from where I live. Gas prices has increased. I have submitted everything the modification department requested and was told they had everything. Cardinal Financial has yet to communicate with a response. I'm only behind XX/XX/2021 Account Number XXXX
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

I applied for Chase credit card for Southwest Airlines in XX/XX/XXXX. I didnt hear from them so I contacted them XX/XX/XXXX. After four different emails, I was told I had mistakenly put my financial income at XXXX household and it should have been XXXX. I was told the agent could correct that but she really was unable to as I was listed as dead. I assured her that was not the case. She then directed me to reach out to three different credit agencies, which I did. Not one of these companies said they had me listed as dead. Its now XX/XX/XXXX and I have yet to get a response from a reliable person who can resolve this. My credit score exceeds XXXX and a credit report that steps I have no debts against my credit at this point I do not want the credit card but I do want a correction from Chase.
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I received notice on my XXXX credit report about a XXXX bill that was delinquent and had been bought by a collection agency. I do not remember having a XXXX account and this bill of over {$2500.00} that is more than 3 years or more old, possibly older, is not mine. I had an XXXX XXXX XXXX cell account and then I opted to switch to XXXX. XXXX paid my old XXXX XXXX XXXX account off and I continued with XXXX until XXXX XXXX caused me to not be able to continue cell service, because I wasn't able to work at the time. XXXX was helpful and that account was taken care of due to the declared disaster. Other than that, I have not had a cell account in my name, especially with XXXX. I wrote in and disputed in XX/XX/2021, and the Collection Agency said they had legal rights to collect and it was my debt. I have not been sent a copy of the signed, original contract, not have I been given any information at all about this account. I resubmitted a dispute today, and in the same day was told it was resolved and is mine. XXXX said that if I was not satisfied with the outcome of the dispute, I needed to contact CFPB. That is why I am here. I do not owe this bill and this collection company has not provided anything but a written statement to XXXX, stating how much I owe, that the claim is legit and it meets the criteria to be billed to me. I find this not only humiliating, dehumanizing and manipulative, but in a pandemic where we have just become homeless, and are doing our absolute best to be able to afford a motel room and food, as well as keep gas in our vehicle to get to and from work, this is causing a lot of undue stress and hurting my credit so badly, I will never get it turned around. I'm asking for a copy of the original, signed XXXX contract along with the phone 's serial numbers, IMEI numbers, phone numbers, date account was originally opened, where it was opened ( online or in store ) and the amount, if any that was paid up front for this account. Also, if the account had any money paid up front, were the funds, cash, credit/debit card or check. If credit/debit or check, I am asking for a print out of the payment method, as well as a copy of the address and phone number attached to payment method.
Consumer complaint received 2021-10-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (GA)

on or around XX/XX/XXXX I submitted my bank statements to home point financial corp while applying for a refinance, in order to prove I had liquid assets, to refinance my mortgage, the loan officers XXXX XXXX and XXXX XXXX refused to count my bank statements. Despite the fact that they totaled over XXXX dollars and they said they didn't count. They subjectively refused my income documents and denied my application causing me to lose over XXXX in higher closing costs higher interest payments. I later applied for the same fha refinance program with another lender and was approved., I qualified as a self employed applicant in XXXX XXXX. Later in XX/XX/XXXX I tried to request another review with home point financial, but still they continued to refuse to consider my bank statements and XXXX income. I later reviewed found out they did not conform to federal XXXX XXXX or FHA lending guidlines, their practice was subjective and not objective and predatory. It was based on personal preference.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

Hello, {$7900.00} was withdrawn from my bank account to an unknown source through XXXX XXXX which I signed out of in 2018 and haven't used since. I do not trade Bitcoin or know anything about cryptocurrencies for that matter. I wouldn't begin purchasing hundreds of hard earned money to send away to some unknown Bitcoin ID. The only thing I used XXXX XXXX for was buying meals back in 2018. It is blatantly obvious that the fraud has occurred through XXXX XXXX to some nefarious Bitcoin account which I have no knowledge of since I have never dealt with Bitcoin. To suddenly see my bank account drained of all my earnings and savings is devastating. The bank believes it's a XXXX XXXX issue and XXXX XXXX is not offering me any assistance whatsoever. Please offer me assistance as to whom I should contact. There is a high sense of urgency as I need to recover my money. I really need help with this. I am at a road block with the bank and with XXXX XXXX. I realize my rights under regulation E and federal law protection. 

Thank you, XXXX XXXX
Consumer complaint received 2021-03-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: UNITED AUTO ACCEPTANCE (OK)

United Autos keep reporting to the three credit bureaus that this account is open and due. This account was included and discharged in my bankruptcy in XXXX. The account was opened XX/XX/XXXX. This account is 7yrs and 9months old. This account should be removed from my credit report due to it being old and included in my bankruptcy
Consumer complaint received 2019-08-21
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. (HI)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXXXXXX;XXXX XXXX XXXX;XXXX XXXX;XXXX XXXX XXXX XXXX XXXX;XXXX XXXX;XXXX XXXX XXXX -;XXXX XXXXXXXX;EQUIFAX MORTGAGE SER and XXXX XXXX XXXX
Consumer complaint received 2021-10-26
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: Consumer Portfolio Services, Inc. (TX)

I gave rhino motors my information. Then after discussing I decided I would go through my bank. They ran my credit the next week even though I asked them not to.Then they shared my information and someone else ran it.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Bankruptcy listed with Equifax, XXXX and XXXX has incorrect information listed. Bankruptcy is listed with a XXXX dollar amount. Disputed with credit bureau asking for them to provide proof of how the information was verified. No information was provide.
Consumer complaint received 2019-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My state and all federal laws of reporting REQUIRE that any derogatory consumer data, TRUE OR NOT, be not only verifiably valid in its reality of being BUT MORE EVEN physically verifiable and validated as to its DOCUMENTED perfection and completion of COMPLIANCE of reporting. Of note, MINIMAL reporting standards are universally applicable and include at least the FCRA (if applies), FDCPA (if applies),HIPAA PR (if applies), and the certified correct and complete Metro 2 format reporting compliance (ALWAYS APPLIES). To date ,I have received NO irrefutable evidence in support of claims and as such I rebut it’s status as lawfully bidding and demand claim eradicated and foreverly extinguished. COMPLIANCE is a MANDATORY condition of reporting, it is NOT OPTIONAL.  I given TRANSUNION the opputunity to correct this error by sending them a request to certify this item on the following dates with no resolution:XX/XX/XXXXXX/XX/XXXX

XX/XX/XXXX
XX/XX/XXXX

XX/XX/XXXX

XX/XX/XXXX
Consumer complaint received 2019-08-21
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. (NV)

I discovered an account from 'XXXX XXXX on my credit report at least 4-5 years ago. I have been disputing it ever since I first saw it on my credit report. I never opened the account and I do not know who opened the account. Idid not give anyone permission to open an account in my name or with any of my personal information. 

I have contacted all three credit bureaus and filed a complaint of fraud and I have reached out to "XXXX XXXX" several times by alerting them of the identity theft. All of my attempts to resolve the issue has not been successful. The only removal off the credit report was done by XXXX. XXXX sent me a letter that indicates the debt was removed The debt is reported as " XXXX XXXX" original creditor XXXX XXXX. I have a PDF of the police report which is submit with the other dispute.
Consumer complaint received 2019-08-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (MO)

Ad Astra sent me a collection letter for a loan that was previously paid to the orginial creditor. I have tried several times to dispute debt with my credit bureau with out any response from Ad Astra. I also sent them a letter asking for validation. No correspondence received. So finally I sent a payment to Ad Astra through my banks bill pay, and the next day also sent them a letter saying that they should have received payment for exact amount. Also that I was requesting validation of the debt. Did not receive. I also sent Ad Astra a copy of bank statement showing payment to the orginial creditor. I have attached all documents that I have in regards to this matter. And I want this removed from my credit.
Consumer complaint received 2019-08-21
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: JPMORGAN CHASE & CO. (IL)

I booked a flight for XXXX on XXXX  via XXXX on XX/XX/2019 with my Chase XXXX credit card. I checked my account later that day and saw that the booming had vanished. I called XXXX  and was told it had been cancelled by the airline. I then received an email from XXXX  that XXXX had cancelled the flight. When I didn't get a refund I filed a dispute with Chase for XXXX The claim was denied by Chase because XXXX claimed that I had cancelled the flight reservation on XX/XX/2019, well beyond the 24 hour free cancellation period. Indeed I did receive an email from XXXX on XXXX XXXX that the flight reservation had been cancelled. XXXX used this as proof that I, not them, had cancelled the flight. I faxed my proof to Chase that XXXX, not I, had cancelled the flight the same day the reservation had been made. XXXX then changed their story and admitted that the reservation had been cancelled the same day, I.e. XXXX XXXX, and not XXXX XXXX But now their claim was that I, not them, had cancelled the reservation. XXXX claimed they do not have to follow DOT regulations for flights booked through XXXX. I have sent multiple faxes and emails and made multiple phone calls to Chase and they refuse to do anything, not even to acknowledge the many commucations I have had with them and refuse to give me back my XXXX
Consumer complaint received 2022-11-16
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. (TX)

XXXX XXXX has been listed on my credit report. I have called them directly and they can not verify my information or why the charges are on my report. When I disputed with XXXX on this matter, they simply blow this off and offer no proof that I have ever done business with this company. I have no knowledge of this company and yet it sits on my credit report. Please remove XXXX XXXX XXXX for {$530.00}.
Consumer complaint received 2021-10-26
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: Conn's, Inc. (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} CONN APPLIANCES INC XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX  XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (NY)

The company McCarthy , Burgess and wolff, claim that they have tried calling me about this situation, however i have NEVER received communication from them until now, in which there threats for me to pay a debt unknown by me. I have never owned a “XXXX” phone or have done any business with XXXX, also, XXXX XXXX XXXX  is not associated with me and i have no knowledge of this whole situation. Attached is the first and only correspondence I received from MB&W. I ask the cfpb to assist me with this matter.
Consumer complaint received 2022-02-02
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. (MI)

I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX  Date of XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: APO LLC (IL)

I have 16 payday / installment loans. I live in the state of Illinois. I was not aware that, by law, I should not have been allowed to have more than three & that they should not total more than 22.5% of my income. Why 16 loans?  Because I was constantly trying to catch up one loan with another, thinking that once I brought the one down, I would be able to take care of the new one. Well one led to another and then another, all at astronomical expenses to my wallet. I recently found my checking account in the negative, because I just plain and simply could no longer handle the juggling act. I need help. I didn’t even realize that I had 16 loans, until I really began trying to get to the bottom of my financial crisis. Is this legal for companies to continually extend loans to me, without verifying whether or not I was at the maximum loan amounts for the state of Illinois? How can I get all of this debt off of my back? Is there help out there for my situation?
Consumer complaint received 2021-04-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I have several items listed from NA National Credit Systems XXXX XXXX XXXX XXXX, Ga XXXX Phone number XXXX NA XXXX {$150.00} NA XXXX {$92.00} NA XXXX {$91.00} NA XXXX {$74.00} NA XXXX {$59.00} NA, is claiming not to have this debt because they are illegally attempting to collect a debt parking debt of {$8200.00} Account # XXXX
Consumer complaint received 2019-08-21
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. (CA)

XXXX XXXX. Is a company I never heard of or Reposes Auto I sent a Certified letter to Trans Union and XXXX XXXX. asking for Validation that I had a loan form them for a car.
Consumer complaint received 2019-08-21
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. (NV)

I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked XXXX  and Transunion where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE Remove  XXXX XXXX  (Original Creditor: XXXX XXXX XXXX HOSPITAL) XXXX, XXXX  (Original Creditor: XXXX XXXX) XXXX, XXXX XXXX XXXX    (Original Creditor: XXXX XXXX XXXX XXXX) XXXX
Consumer complaint received 2022-04-28
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: JPMORGAN CHASE & CO. (GA)

In accordance with the fair credit Reporting Act, JPMCB, Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on accredit card account under an open end consumer credit plan as late for any purpose.