davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-05
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. (FL)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (IN)

I disputed a paid medical collection account with Experian on XXXX that should not be on my credit report. I received the results on XXXX which stated that the account was accurate and would NOT be removed from my credit report. The medical collection account was with XXXX XXXX account XXXX which was for XXXX XXXX XXXX in the year XXXX. This medical debt for XXXX XXXXXXXX was paid and legally discharged in Bankruptcy in XXXX. Per XXXX own website paid medical debt was to be removed from credit reports effective XX/XX/XXXX. There is no way that Experian did any type of investigation into this medical collection that was for XXXX XXXX XXXX in the year XXXX account that I disputed on XXXX as if they had it would not still listed on my credit report.
Consumer complaint received 2022-12-04
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. (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I sent money to the wrong account from My Bank of America account to an account in XXXXXXXX XXXX XXXX XXXX. I contacted Bank of America within 2 days and found out that the account number was wrong and asked the representative to cancel the transaction. I asked multiple times and she said it will be canceled. 
I sent another transaction to the right account number and it went through. I found out the next week that my first transaction went through. 
I called XXXX XXXX XXXX  XXXX immediately and found out that the account belongs to transferwise. I contacted them and they emailed me back stating unless XXXX Bank contacts them they can not help from their end. 
I have asked Bank of America to get in touch with them, and XXXX Bank did not respond. I called them and a representative told me that they need to email them. I shared this with BofA and they stated they emailed them and had not gotten a response. I emailed them last week and still have not gotten any response. 
How can they keep this money when it clearly was not theirs to keep? 
I have exhausted all options at this point and want my money back in the amount of {$3200.00}. 
I have been on the phone with Bank of America for at-least XXXX times with an average of XXXX hour wait time. 
I am appalled that the transaction went through even though the account did not belong to the receiver and clearly the name was wrong on the account.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-12-05
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. (MO)

15 U. S.C. 1681 SECTION 602 ( A ) States I have right to privacy 15 U.S.C.1681 SECTION 604 ( A ) SECTION 2 : It also states a consumer reporting agency can not furnish a acount without my written instruction In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXXXXXX Account # XXXX has violated my rights XXXX Account name : XXXX XXXX Account # XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you in advance
Consumer complaint received 2022-12-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

My mortgage servicing company changed in the beginning of XXXX i was not notified until after the XXXX and that entire time i could not schedule payments. Once i was able to schedule payments i could not use the normal account we use and had to use a business account. that payment went through but was showing up in shellpoint as returned. i contacted them with no response then filed complaint. I should have an additional payment schedule for this week and now i am again locked out of my account and cant see payments made cant schedule new payments. i have been with this new company for less than a month and for half of that time i could not schedule payments view payments. i also could not use our personal bank account and had to use a business account. now i again cant access anything. This has put me at further risk of being foreclosed on and it is unfair considering my account has been unavailable to me for much of the last 30 days
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 2022-08-24
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC (CA)

I took out a personal loan with XXXX XXXX, and after I got sick with Covid I couldnt work anymore or pay any of my debts. 
So XXXX XXXX transferred my debt to Capital Link Management, this company calls me 27 times a day or more. 
And last week they called & text : My Father / My Sister / My XXXX XXXX XXXX daughter & My Ex-Husband!!! 
In the text messages they disclosed how much I owe them and they also tried to negotiate down the debt so they could probably pay it off for me. 
This was very embarrassing and Ive been very depressed!! My sister is also mad at me & not talking to me over this!
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 2024-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (FL)

I have a Dillard 's Mastercard Credit card that I have been paying on time as of XX/XX/2024 the balance was {$2000.00} and the interest was XXXX. In the month of XX/XX/2024 they sent me the statement with a balance of {$2000.00} and the new interest was XXXX. I called on XX/XX/XXXX to find out the reasons why they had raised the interest double and they did not give me any valid reason. I told them that I have paid on time and that from XXXX to XXXX they changed the interest to double without any notice. On XX/XX/XXXX and XXXX I called to solve this issue with representatives and Supervisors and they never gave a solution. Reason why I closed the account. I will pay the debt but the interest will be fair. They are abusing consumers a lot. I hope you can help me with this problem. That they give me fair interest not this treatment they are giving me.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$150.00}
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2022-12-05
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00}.
Consumer complaint received 2022-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On or around XX/XX/XXXX of 2022 I've noticed an account being reported on my credit report as a collection item Under the name : portfolio recovery and associates This account has been reported illegally to the three major credit reporting agencies including XXXX XXXX and XXXX. 


Portfolio recovery and associates debt collection agency original creditor XXXX  Bank has violated federal law by reporting this account without five business days notice as required by federal law.
Consumer complaint received 2022-09-13
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. (AL)

In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, this ground for removal they also violated my rights under 15 U.S.C 16 & 1 section 602 A. states I have the right to privacy 15 U.S.C 16 & 1 section 604 A section " ; it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX Barclay withdraw {$110.00} from my checking account. they had done a electronic transfer. Barclay scanning must have mistakly inverted two numbers, for it to be taken out of my account. the two numbers can be obtained from my bank. This was for a XXXX XXXX Visa credit card transaction. I contact Barclay on XX/XX/XXXX and was told its a XXXX Banking  situation since it was as Visa account. This wasnt accurate since Barclay took over XXXX XXXX on XX/XX/XXXX. This was Barclay first misguiding of me on solving the situation which has never been resolved. 
XX/XX/XXXX Called back and talked with a XXXX and was transferred to the Fraud dept. They kept looking for an account. Could not find one, do to me not having an account with XXXX XXXX or Barclay. Which i mention many times. 
they did find an XXXX XXXX account which was closed in XXXX. I was working with a lady name " XXXX '' I also had my bank involved with a three way converation. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX # XXXX XXXX. 
XXXX did a verification to make sure nothing was owed on the XXXX  XXXX account closed in XXXX, she used a text look up. i have the text code XXXX informed me and XXXX from my bank this would be refunded and only the paper work needed to be proceed. I would receive notice by email or a call. 
XX/XX/XXXX Had not heard anything, so i called Barclay to find out statues. I was informed there would be no refund given to me. I asked to talk to a manager and was informed no one was available. I was willing to wait until a manager was available. I was told no one would be for the remainder of the day and would have to wait for a call back. 
XX/XX/XXXX Called back after 24 hour waiting period. Talked with XXXX XXXX I was informed my concern was Red Flagged. and being investigated. Case ID # was given to me. 
XX/XX/XXXX was called about my case by a XXXX XXXX who made it clear she was doing me a favor. I contacted my bank and had XXXX and XXXX work on the situation. XXXX shared XXXX methods for resolving the situation. 
During this time the individual who had the XXXX XXXX account contacted XXXX informed her, His account was credit for payment and nothing was takin out of his checking account. This person also called Barclay and was told dont worry about it. its the other person situation. I am the other person. 
XXXX gave us an XXXX # for this person to call back Barclay. This person called Barclay a second time and was not able to resolve the situation. 
XXXX, Barclay is either creating fraud by their standards and not willing to correct the situation. 
I would still like Barclay to refund my account for {$110.00} and have this reported in as many ways as possible for Barclay falling to correct their mistake. 
thanks
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a customer of XXXX XXXX and this account is reporting late payments when during months where payments were made and received with this credit card. Please properly investigate this and correct my credit reports. The latest reporting error being marked late in XXXX but the company confirms receipt of two payments in XXXX.
Consumer complaint received 2022-08-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Skopos Financial, LLC (FL)

On XXXX XXXX, I disputed this alleged debt with Skopos Finance and they never responded to my dispute in reference to the alleged debt. I have been disputing this account for months and never received a response. {$22000.00}. XXXX paid this car off in full.