davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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: Possible Financial Inc (FL)

In accordance with the Fair Credit Reporting ActPossible Financial has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Part 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 any purpose.
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  as well as the Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Card, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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 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 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- XXXX XXXX XXXX XXXX XXXX XXXX  /Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX CT FL XXXX XXXX # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX XXXXAccount # XXXX ) Has violated my XXXX XXXX ( XXXX XXXX/Account # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

SEVERAL WEEKS AGO I PRESENT A FRAUD PROBLEM TO MY BANK ACCOUNTS FRAUD DONE WITH THE DEBIT CARDS CARDS THAT I NEVER HAD IN MY POSSESSION, OF HER I ONLY HAD ONE I CUMUNIQUED ME WITH THE BANK AND I LET THEM KNOW ABOUT THE FRAUD AND ALL THE TRANSACTIONS MADE WITHOUT ME CONCENT, THEY STARTED AN INVETIGATION AND THEY ONLY TOLD ME IN 10 DAYS OF INVESTIGATION THAT THEY COULD NOT RECOVER THE MONEY, THEN AS WHO AM I THAT IS LOSING ALL MY MONEY AND THE ACCOUNTS IN NEGATIVE, FRAUD FOR MORE THAN XXXXXXXX XXXX DOLLARS, THAT RESPONSE TO A CUSTOMER THEY DIDN'T WANT TO RESOLVE ME THEY DON'T HAVE CUSTOMER PROTECTION, I MADE SEVERAL CLAIMS AND I ALWAYS KEEP UP TO DATE AND CALLED TO KNOW ABOUT MY CLAIMS BECAUSE I DIDN'T GET A LOT OF CONFUSION EVERY TIME I CALLED THEY ASKED ME THE SAME QUESTIONS AND THEY DIDN'T KNOW HOW TO ANSWER THEM, I NEED HELP TO RECOVER MY MONEY SINCE WELLS FARGO DOES NOT WANT TO RESOLVE.
Consumer complaint received 2022-04-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX This is not a regular dispute at all. I have filed a complaint with ftc and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.
Consumer complaint received 2022-06-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (TX)

On XX/XX/2021 the landlord and I XXXX XXXX XXXX XXXX XXXX XXXX went before a judge for the amount of XXXX the case was DISMISSED being that I paid the amount due it was never XXXX not sure how or where that came from can provide proof and moved out over a year ago my new lease is currently ending as its been a year. Southwest recovery services never reached out to me about this said debt as its inaccurate and a judge already ruled the case number is XXXX and you can investigate this by visit my justice peace court and entering mine or the plaintiffs information as this info doesnt go away for several years I do not own this or anything major it need to be removed and Ill be pressing criminal charges as well
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

12 CFR 1026.21 Treatment of credit balances ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 

Bank Of America is liable and held accountable under CFPB regulations under 12 CFR 1026.21 to return to me as demanded in writing a full return of Credit Balance and limit payable by cashier 's check to address given and failure to do so will result in WILLFUL ILL-WILL and Federal Violation against I the original creditor and protected consumer.
Consumer complaint received 2022-04-29
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX  Account # : XXXX has violated my rights. 

XXXX Account # XXXX Has violated my rights XXXX XXXX Account # XXXXhas violated my rights. 

XXXX XXXX IN Account # XXXXhas violated my rights. 

XXXX XXXX Account XXXXhas violated my rights. 

XXXX Account # XXXXhas violated my rights. 

XXXX XXXX CO Account # : XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX  Account # XXXX has violated my rights. 

XXXX XXXX XXXX Account # XXXXhas 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 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX  XXXX , XXXX XXXX XXXX XXXXXXXX , XXXX XXXX XXXX XXXX, XXXX XXXX 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 2022-04-28
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX  XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX 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 2022-04-28
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: Experian Information Solutions Inc. (MD)

I received a hard inquiry alert stating XXXX XXXX XXXX made a bank inquiry on XX/XX/2022. I do not have any accounts or applications at XXXX  XXXX XXXX
Consumer complaint received 2022-08-02
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Experian on XX/XX/XXXX to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-04-28
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. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-11-22
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. (MI)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

A debt collector re-aging an account can cause serious damage to your credit files. Re-aging would allow a collection account to remain on your credit reports in-perpetuity. Take the following steps if you believe you are a victim of re-aging. 

I have Disputed this account many times and they just re-age the account. The date of first delinquency is wrong. Transunion refused to correct it, they told me to contact XXXX XXXX because they only place whatever information they are given on my Credit File, I advised her the account was re-aged and that it is illegal for them to report it being an open account XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2020 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX It is a criminal offence to re-age an account and I want this account removed from my Credit File Immediately they have never verified this Debt and are always stating the it was verified and accurate which is FRAUD.
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Good Afternoon Not sure if this is the right place to file my complaint, but I will try. 
I keep getting emails from quicken loans and many of its subsidiaries about new loans, and refi 's. I get about 4-5 emails a day. The address me as XXXX, or XXXX XXXX. Highly unprofessional. There is a link to unsubscribe but it does not work. I tried to email them back but it gets bounced back as a bad address Please see sample email : XXXX, You could pay off your mortgage faster! [ XXXX ] XXXX XXXX at XXXX PM XXXX  message Quicken Loans XXXX To : XXXX XXXX XXXX To protect your privacy, has blocked remote images in this message. Show images XXXX XXXX, We hope this email finds you well! As we write this, with today 's rates, it may be the perfect time for you to consider refinancing. Quicken Loans is ready to help you look at your options before it's too late. 

VIEW NOW This is an advertisement Rocket Mortgage , LLC, ( XXXX Quicken Loans ) ; XXXX  # XXXX ; XXXX  XXXX XXXX XXXX. Licensed in XXXX states. AL License No. XXXX XXXX, XXXX XXXX. XXXX. XXXX, TX : XXXX XXXX XXXX, XXXX, MI XXXX, ( XXXX ) XXXX ; AZ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, Mortgage Banker License # XXXX ; CA : Licensed by Dept. of Business Oversight, under the CA Residential Mortgage Lending Act and Finance Lenders Law ; CO : Regulated by the Division of Real Estate ; GA : Residential Mortgage Licensee # XXXX ; IL : Residential Mortgage Licensee # XXXX Dept. of Financial and Professional Regulation ; KS : Licensed Mortgage Company MC.0025309 ; MA XXXX Mortgage Lender License # ML XXXX ; ME : Supervised Lender License ; MN : Not an offer for a rate lock agreement; MS : Licensed by the XXXX  Dept. of Banking and Consumer Finance ; NH : Licensed by the NH Banking Dept., # XXXX ; NV : License # XXXX ; NJ : XXXX XXXX Rocket Mortgage , LLC , XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, ( XXXX ) XXXX, Licensed by the N.J. Department of Banking and Insurance . ; NY : Rocket Mortgage , LLC, XXXX XXXX XXXX, XXXX, MI XXXX Licensed Mortgage Banker-NYS Department of Financial Services ; OH : MB XXXX ; OR : License # ML-1387 ; PA : Licensed by the Dept. of Banking License # XXXX ; RI : Licensed Lender ; WA : Consumer Loan Company License CLXXXX. Conditions may apply. XXXX Rocket Mortgage, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Rocket Mortgage , LLC ( XXXX Quicken Loans ). All rights reserved. Lending services provided by Rocket Mortgage , LLC, a subsidiary of XXXX XXXX XXXX XXXX ( XXXX : XXXX ). Quicken Loans is a registered service mark of XXXX XXXX, used under license. 
To no longer receive emails from Rocket Mortgage unsubscribe here. For the best client service, we record and monitor your communications ( e.g., phone, email, chat, our website ) with us. 
This message was intended for : XXXX XXXX were added to the system XX/XX/XXXX. 
For more information click here. Update your preferences Unsubscribe | Unsubscribe via email XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act, XXXX  Account XXXX XXXX has violated my rights. This account is under litigation the balance is incorrect I need it closed and removed from my credit report immediately. 


15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-04-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (IN)

I submitted a partial payment via wire at XXXX and I have the receipts of the proof. I had to pay the remainder of my mortgage home payment to Caliber Home Loans, and none of the representatives told me I couldnt go through XXXX at the time. Caliber gave me their wire information with the account number and routing number with the financial institution they go through. I wired the payment through XXXX and somehow caliber has not received it. When their bank verified the payment was received. I went back to XXXX to get my funds refunded to me, and they wasnt able to do so. Caliber Home Loans reported to the credit bureaus I never made the payment even though I have the proof the payment was made by the XXXX to avoid negative credit reporting. I had to file a dispute with XXXX because it is on my credit. Keep in mind, the year of 2022, some representatives will take partial payments over the phone, and others wont. Ive had to argue with them about taking my payment over the phone. Some are rude about it & wont even check my status of past partial payments Ive submitted to them via phone. I have several times requested I speak to a supervisor, more times than I can count on this issue. They refuse to transfer me or they will not have them return my call. I have the print out of receipts that I have submitted the funds before the XXXX. To this day Caliber is saying they have not received my payment.