davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2022-09-07
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  an XXXX company, XXXX 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 2022-03-07
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: CORELOGIC INC (NC)

I need a validation ( not verification ) and a copy of when I sent a written permissible purpose ( 15 USC 1681b ) to validate the inquiry and a audit trail.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL (FL)

Have tried multiple times to resolve this transaction with PayPal/Synchrony Bank and they do absolutely nothing. I must have submitted this dispute multiple times and they come back with some XXXX. response each and every time meant to send me on a wild goose chase. Purchased a flight in XXXX through XXXX  XXXX XXXX. Due to the pandemic, the flight was rescheduled multiple times. So per the contract of carriage, I cancelled and asked for a refund. I got the US XXXX involved in the dispute with the airline and after several back and forth attempts, the airline confirmed the refund back to PayPal for the original amount of the flight, {$780.00}. See item # XXXX attached. Attachment XXXX is the 3rd time that my dispute has come back from PayPal/Synchrony Bank and even with the airline saying they have refunded back the money, they will not credit my account. Please get this creditor to refund back the money that the merchant already confirmed they sent back. It is illegal for them to continue doing this as I already resolved this matter and I am due the money back.
Consumer complaint received 2021-11-30
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. (LA)

I mailed in a copy of my FTC report showing fraud on several accounts. I submitted the FTC report to all three bureaus ( XXXX, Equifax, XXXX ) and none of the accounts have been removed or updated from my current credit reports. They are in direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2024-02-19
Product: Credit reporting 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. (MI)

I am writing this letter in regards to the fraudulent inquiries on my credit report. 
These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am a victim of the Equifax Data Breach, my social security, driver 's license, etc has been accessed by the hackers. They have all my personal information. I can not even access my free credit report at this time to check for issues and they tell me I can " enroll '' in their 'XXXX XXXX ' is on the X/XX/2017. I now have to worry about the long term impact this will have on me as they can sit on my information, especially my driver 's license and social security information, for years. This breach has compromised my information for the rest of my life.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I learned that EquiFax had a security breach where 143 million customers ' worth of data was accessible through a web vulnerability ( indicating very poor security practices on their part ). On XX/XX/XXXX, I used the website they set up and learned that my information was contained in the breach, meaning that EquiFax disclosed my personal credit information without my consent.
Note that I did not check on XX/XX/XXXXwhether I was involved in the breach, because I was lead to believe by ambiguous wording in EquiFax 's Terms of Service that I was waiving my right to pursue legal action against them by learning whether I was involved in the breach. After their clarification on the XXXX, I was able to check.
Subsequent to learning that my information was compromised, I pulled my credit reports to see if there was any unauthorized access ( there was n't ), and then I placed a fraud alert on my report. I did not opt into EquiFax 's offered credit monitoring, because doing so would also waive my right to pursue legal action against them.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

From Equifax 's website, I have learned that I was a possible victim of their data breach, which was announced to me on XX/XX/XXXX. These hackers had access to my name, Social Security number, birth date, addresses and possibly my drivers license number. 

This has caused an unbelievable amount of stress for me and my potential future family. It could affect my ability to get a mortgage in the future. This should not have happened, especially when they charge money to send a credit report. They should be held accountable.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

My information was stolen and I was not alerted until months later. I am upset and am filing a complaint against Equifax! I want information to seek legal assistance, their offer to help me for a year is not enough. My life and finances are compromised due to their mistake.
Consumer complaint received 2021-06-23
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: Bread Financial Holdings, Inc. (TX)

I have now submitted all necessary documents including new evidence via mail and now electronically here in connection to Identity Theft on this account reporting on my credit file. I have been professionally advised by my legal team that given this new evidence of the crime this is in blatant violation of FCRA law specifically section 605B of the FCRA. I have hired a private investigative team and legal counsel and have been supplied us with new evidence regarding this crime including fraudulent addresses and suspect information that I have since updated on official legal documents in connection to this crime, including updated FTC Identity Theft report. Please note that I've had to have new GOV Identification issued due to the compromised identity and have been advised professional that due to the crime I have legal binding rights to pursue this to the fullest extent possible. Additionally, I'm awaiting further action and evidence to pursue this as long as needed until rectified. The time, damages and monetary loss are being added up and will be all added in connection to this crime. Please update your records and stop reporting inaccurate information about a credit file that is not mine. 

I'm requesting that the following fraudulent items in connection to Identity Theft are removed immediately from my credit file pending further legal action : FRAUDULENT | IDENTITY THEFT | REMOVE FROM CREDIT FILE : 1. ADS/COMENITY/XXXX  VISA | COMENITY CAPITAL | XXXX XXXX Balance : {$4200.00} 2. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2021-11-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JFQ Lending, LLC (OR)

I refinanced my existing VA mortgage with a VA streamline ( IRRL ) on XX/XX/XXXX. I was promise I would get to skip two mortgage payments and I would receive my escrow reserves of {$6700.00}. 

I received all that but my mortgage is increasing from {$2000.00} to {$3400.00} on XX/XX/XXXX. They are charging me an escrow shortage of {$620.00} and increase my escrow to {$980.00} I am a XXXX veteran with XXXX XXXX XXXX XXXX XXXX and have a partial property tax exemption because of my XXXX. The agent never told me my mortgage would increase by this much and my new mortgage is larger than my original VA mortgage. I tried contacting the company but they will not help me and blame me for the increase. I will lose my house if my payment increases by this much. I never missed a payment and this new mortgage payment is substantially larger than my original monthly payment. All of our conversations should have been recorded by JFQ Lending , Inc . 

The mortgage company is XXXX XXXX XXXX The agent is XXXX XXXX, JFQ Lending , Inc .
Consumer complaint received 2023-01-27
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. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2021 scammers took over my cell phone through XXXX XXXX pretending to be XXXX XXXX XXXX. They opened an account with Zelle  and tried to transfer {$500.00} from my checking account. They were trying to buy bitcoin from XXXX. Fortunately payment was unsuccessful. But I tried to contact Zelle  through first XXXX XXXX and then directly to Zelle  customer service on XX/XX/2021. I was attempting to get any and all accounts associated with my name and XXXX XXXX accounts closed and deleted. One customer service tells me the other XXXXne has to do it. I just want my account closed with Zelle  because I dont want to use their services ever. And never did in the first place since it was opened fraudulently.
Consumer complaint received 2021-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

I XXXX XXXX mailed a Validation letter to Phoenix Financial Service on XXXX XXXX Phoenix Financial Serv, didn't reply after 5 days of speaking with according to code USC 15 1692 G Phoenix Financial Serv, did not provide validation of debt as requested Phoenix Financial Serv did not cease in their action to collect on a debt that is not owed.
Consumer complaint received 2023-01-27
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

Nelnet is reporting that I am 180 days past due on a loan that was sent back to the Federal Government on XXXX. Nelnet showed a zero balance on this loan as of XX/XX/2021. I contacted Nelnet in XX/XX/2021 and was informed that the loan had been transfered. So, why are they still reporting that I am XXXX  days past due. Also, the current holder of the loan stated that it is covered under the Cares Act and I would not be reported to any credit agency. XXXX is the only agency reporting this erroneous information.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

Equifax mishandled my personal information which has led to a breach that puts myself and the majority of Americans at potential risk. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the news. 

As a result of this security breach, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WA)

Im not sure if this is correctly routed as I am just the buyer on the home and not the seller but nonetheless this needs to be reported. After months of searching a super tough market and i found a home i could afford and that was perfect. It was a short sale so i had to wait a few months to go through the process. I got into contract late XX/XX/XXXX and we wen through all the proceedings and settled on a close date of XX/XX/XXXX. Ocwen and XX/XX/XXXX were the lien holders. We had extensions in place, my loan was approved, appraisal and inspection done and so much work and money put into other parts of the loan .... only to receive an email from XX/XX/XXXX ( negotiators on this deal ) that Ocwen had wrongfully foreclosed on the property without notifying anyone and breaking the contracts/suspension we had in place. The property i was to close on this week is sold. The investor who bought it is going to resell it but for XX/XX/XXXX more ... not something i have. This has been beyond devastating and heartbreaking. I am still in shock. This is beyond NOT ok.
Consumer complaint received 2017-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I 'm a victim of identity theft. The following XXXX credit card account is listed on my Trans Union, XXXX and XXXX credit credit report and it 's a fraudulent and unauthorized account. I never applied for the following XXXX credit card account : XXXX. Someone stole my personal information and identity, and fraudulently applied for and used the above XXXX credit card account. The XXXX credit card account do n't belong to me, because I did n't apply for the account.
Consumer complaint received 2024-02-17
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. (TX)

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 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

About 18 months ago I had a freeze placed on my credit reports. For the past several months I have tried to have the freeze removed but to no avail. I do not have the pin numbers for the freeze and the credit bureaus will not accept my answers to security questions even though the answers are common knowledge to me. I have done everything that has been asked of me but the freeze can not be removed according to the 3 credit bureaus. I have not been able to get an application processed for an automobile loan or a housing loan or to be approved to rent housing.
Consumer complaint received 2017-08-17
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: EQUIFAX, INC. (DC)

I noticed a fraudulent account on my Equifax report XXXX of 2016 from a company called, XXXX XXXX XXXX. They were, and still are, reporting that I owe a {$7000.00} debt for an involuntary repossession. I filed a police report and submitted it to XXXX XXXX as well as Equifax asking them to remove this fraudulent item from my credit report or furnish proof that the debt was mine. I 've not received favor responses from either company. In fact I was threatened by an employee from XXXX XXXX. And Equifax continues to tell me that XXXX XXXX has verified the debt is mine but refuses to show me the proof. I am obviously frustrated and dissapointed that both companies are so unwilling to help.
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (PA)

A fraudulent purchase was made on my Macy 's card  on XXXX/XXXX/XXXX. As this is a rarely used card and I had paperless billing set up, I did not notice the charge until I started receiving phone calls for my account being past due. The fraudulent purchase was reported to Macy 's immediately upon discovery on XXXX/XXXX/XXXX. They sent me a form to fill out that was dated XXXX/XXXX/XXXX, which was filled out and returned to them with all requested information on XXXX/XXXX/XXXX. I have called them nearly every month to check on the extremely slow progress since then. The majority of the charges were finally removed in XXXX, however, late fees accrued that are directly related to the fraudulent purchase still remain on my account as of XXXX/XXXX/XXXX. In addition, this has reflected extremely negatively on my credit score, as all of this has been reported to the credit bureaus as if I am not paying my bill.
Consumer complaint received 2017-09-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (HI)

On XXXX XXXX, 2017, my Mortgage # XXXX serviced by Seterus Inc. was paid in full. There was an overpayment made by XXXX XXXX as well as residual in the established escrow account. I had requested that Seterus to return the funds back to me immediately. They refused. They then advised me that they do have up to 30 business days to get the funds back to me and there was no way that they would try to assist me further. This is their policy and that is it. Numerous calls to their company requesting to speak with the refund department personnel or department head was denied. This behavior and unacceptable because I was advised that the funds would be returned back to me within a week. 

Written confirmation correspondence to expedite the return of funds, twice, led to a form letter which dis not address the complaint. They have not been responsive to my additional inquiries or confirmation of final figures on the overpayment of my mortgage loan. 

Seterus has a long history of not dealing with their customers fairly and in a timely manner. There was been numerous lawsuits on their improper conduct and unprofessionalism.