davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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. (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 XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX Account # 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 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 2022-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

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 XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/1983 XXXX  XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: On Q Financial (GA)

I can absolutely provide all documentation to show what I am saying. 
This company gave me the run around through the entire process and they they are trying to force me to sell my home. 
They agreed to a loan modification process which we engaged in have done everything they asked and now they are sending me a letter that they are going to force sale my house over the federally approved mortgage assistance. They want me to pay them all of the fofebearance due to COVID at one time or they are going to force sale.

I am not sure how that is right. I am not trying to get anything for free but I would like for them to honor the agreement they made to a loan modification.

If you start down this road allowing mortgage companies to require mortgage holders to pay all payments at once that they could not pay to begin with because of Covid, your gon na have a mess in your hands.
Consumer complaint received 2022-04-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: OneMain Finance Corporation (NJ)

One main financial keeps increasing a loan that was already discussed. The continue to have a collection agent contact me posing as an XXXX and threatening me with jail time. One agent called to try and settle the debit after garnishing my full unemployment payment causing my bank account to reflect a negative balance. I had to call and report them after a week they called stating I needed to pay them {$3500.00} on a {$1200.00} loan or they would legally seize my car and bank account. After I spoke with unemployment they were forced to return the money to my account and called me again asking me to pay {$3000.00} or a lawsuit would be filed. Days later they sent multiple emails and phone messages with different amount I need to pay each time increasing it saying they would add {$100.00} interest every week I didn't pay. After asking them to stop harassing me they have kept updating my credit report stating this was a new debt which it has been over 7 years so it remains on my credit report. Please help
Consumer complaint received 2022-08-22
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. (FL)

In accordance with the fair Credit Reporting act 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 violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-04-19
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. (CA)

My name is XXXX XXXX I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2022-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (TX)

Hi. I urgently need help. I am in the midst of purchasing a home and got a notice from the lender Comenity Bank ( XXXX Credit card ) showing my payment was past due for 3 months. The amount past due was approximately {$190.00}. However, in XXXX XXXX XXXX, I spoke with a CSR regarding my account and re-enrolled in autopay. The CSR stated that my account would be good to go for auto pay as well as paperless statements for the next 12 months. In 12 months I would have to call back and enroll in autopay again. However, this was not the case. To make matters worse, this was the second time I've had this same issue with the same company. I've been a loyal customer and have never had issues paying my bill on time. NEVER. I attempted to speak with 3 different managers over the past 24 hours and have gotten the run around 3 different times on how to have this fixed. I advised the managers to listen to the recorded phone conversations from the last 2 years and theyll be able to see exactly what was said to me by their customer service representative. Nonetheless, I paid the account back up to date. All of my bills are enrolled in autopay and I receive E-Statements because I am hardly at home due to my work profession. I am so close to accomplishing a life goal of purchasing a home but these 2 late payment notices are the only thing hindering it. My credit score dropped over XXXX points and I need to have this late payment removed from my credit report.
Consumer complaint received 2022-08-22
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. (FL)

In accordance with the fair Credit Reporting act 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 violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (TX)

I have a Discover card that I do not use any more and do not get statements to this card either. My doctor accidentally processed my session on XX/XX/2022 using the incorrect card on file which I was not expecting. I even double checked with my doctor to make sure they used to right CC on file, that CC bill is set up for auto pay and paid in full every month. I got an email from Discover saying my payment was late so I paid my balance from the doctor and asked for the late fee to be removed due to the error. 

They would not remove the 2 fees on the account and said I will continue to accrue interest and late fees until the balance is paid. I closed my account and asked if they could please remove the {$80.00} in fees- as a single mom with XXXX kids, this was not possible for me to budget and I have a long credit history that is great with them. I called them today XX/XX/2022. 

I would like my balance brought to zero because it is just late fees and it will continue to grow every month unless I can get it stopped where it is and then be able to pay it off. Please tell me what my options are to get help. 

Thank you,
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (FL)

On XX/XX/22 I was called by XXXX to supply the letter of which apartment complex I lived in for an address in XXXXXXXX  XXXX. They were delivering a package that was ordered under my name from XXXX. I live in XXXXXXXX XXXX I called XXXX and they stated that my name was used and it was purchased with a genesis credit card. The email provided was different from mine. A week later, I received a bill in the mail from genesis fs card services for {$520.00}. I never opened this account.
Consumer complaint received 2022-08-22
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: The Best Service Co.,Inc (FL)

CFPB + XXXX + The Best Service CO/XXXX  On a recent review of my credit reports I discovered your company pulled my credit on XXXX without my written authorization on : XX/XX/2021 I request that you mail me a copy of my signed authorization forms that gave you the right to view my credit within 5 business days of receipt so that I can verify its validity. 

If you can not provide me with proof that I authorized to view my credit report, then I am demanding that you contact XXXX immediately and have them remove the unauthorized hard credit inquiry. 

Please send me a written confirmation that you have complied with my requests. 

I fully expect this unauthorized credit inquiry to be removed from XXXX immediately as you will not find my written authorization as I did not give it. 

Your failure to act will be this matter being referred to the Attorney Generals Office. 

I can be reached at the mailing address on this letter and expect this resolved within 30 days or less of receipt. 

Thank you for your attention to this urgent matter. 

Attached to this complaint are : - copy of drivers license - copy of social security card - copy of address - snapshot of unauthorized credit pull
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

My identity was stolen in XXXX and XXXX. I contacted upon discovering that online purchases had been made, but not by me or with my consent. The bank XXXX stated that there was nothing that they could do to help me. I called consumer reporting agencies also known as the credit bureaus. I was passed around from agent to agent. No resolution was reached. The fraudulent accounts were eventually removed from my reports. However, upon attempting to purchase a home. I discovered that accounts have reappeared on my consumer reports. I need this information removed permanently.
Consumer complaint received 2022-04-19
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-04-19
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. (WA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX ACCOUNTS : -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 Subject has not satisfied debt. XXXX 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.
Consumer complaint received 2022-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CO)

On XX/XX/2022, I made an online payment of XXXX to Comenity Bank for my XXXX, XXXX credit card. On XX/XX/2022, XXXX Bank ( my bank ) processed that payment, and the payment was taken out of my account that day. I confirmed this with my bank. However, the payment isn't showing up on the Comenity Bank credit card. It's also not showing up as a pending payment, so I called Comenity on XX/XX/2022. They said it was showing up on their " backend '' and that they would make sure the payment showed up on my account by XX/XX/2022. It's now XX/XX/2022, and the payment is still not showing up on my account. I called today, and they said the payment may not post for 90 days. Even though they confirmed they could see my payment on their " backend, '' it might not credit to my account for 90 days.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/22 and XX/XX/22, I contacted EXPERIAN via phone to initiate a dispute of inaccurate and incorrect information reporting on my consumer report. I noticed EXPERIAN is reporting " charge offs. '' Charge off is defined as gross or ordinary income and should not be reported on the consumer report, or file. After the first dispute, I asked for the results of their investigation since the accounts came back as verified or updated. I have not received a copy of the investigation. I disputed them a second time stating the accounts are reporting inaccurate information and EXPERIAN is willfully neglecting to delete an account they can not verify. I instructed them to delete former names and addresses and they have failed to do so, the inaccurate information remains on my consumer report. I have also instructed EXPERIAN to delete the XXXX account as they have failed to provide me with sufficient documentary material to validate this alleged debt, they have failed to delete this account as well. EXPERIAN is civilly liable for willful and negligent noncompliance with the federal law, pursuant to 15 USC 1681 n & o.
Consumer complaint received 2022-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

On XX/XX/2021 ambulance service responded to a call from XXXX, I had a case of low blood sugar but I did call them because it happens often in a checkout line. .Ambulance service wanted to medically kidnap me. i declined there service and had to talk to someone and sign off so they would not be liable. Days later I gat a bill in the mail XXXX I LET THEM KNOW I DID NOT CALL THEM AND DECLINED SERVICE. THEY SAID THEY HAVE TO CHARGE ME FOR THE SERVICES THAT I DECLINED.
Consumer complaint received 2022-08-22
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. (DE)

My name is 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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively affecting my credit score. I have reviewed my credit report carefully and found the following discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I submitted a complaint and tried to dispute it through XXXX XXXX, but nothing happened. I have an collection on my account that was supposed to come off but never did. I paid it already, and the addresses on my report are outdated.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a complaint and tried to dispute it through credit karma, but nothing happened. I have an collection on my account that was supposed to come off but never did. I paid it already, and the addresses on my report are outdated.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Checking fifth third bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Telfono : XXXX XXXX VS_______________ Fifth third bank XXXX chain XXXX XXXX XXXX GA XXXX # cuenta XXXX Collection Departaments fifth third bank ge into my account without authorization and get money At the moment in my behalf I contact them XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Fifth third bank summit a bank transfer without my unthorization. I contact them and their allegations is that own them money from my car loan which is just current pay. The withdrawal the amount XXXX. I request money back. 
Thanks for you prompt answer To your success. 
XXXX XXXX XXXX XXXX