davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (AL)

There are inquiries on my credit report that I didn't authorize. I've contacted Transunion and was told that I have to file report with FTC. 

XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-12
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. (IN)

XXXX waited to post my payments to my XXXX account. I do not want XXXX reporting to ANY of the credit bureaus. My payments sit in the XXXX 's mailroom until XXXX has enough staff or feels ready to post my payments. That is not fair to people trying to get their payments sent via mail. XXXX does not offer any payment options other than the US postal service.
Consumer complaint received 2022-06-11
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. (GA)

Due to title 15 usc 1605 when i got approved for the finance charge i put down XXXX $ and that wasn't even needed. According to the law the car is paid off the moment i get accepted due to " FINANCE CHARGE '' law so i DEMAND this debt gets off my credit report.
Consumer complaint received 2022-06-11
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. (MS)

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 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 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 2022-06-11
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. (TX)

In accordance with the Fair Credit Reporting act 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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2022-06-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (MI)

XXXX XXXX, and ( XXXX XXXX Management Services Incorporated. 

Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ).

As instructed by the consumer in writing. Section 604 ( a ) ( 2 ).

For the extension of credit as a result of an application from a consumer, or the review or collection of a consumer 's, account. Section 604 ( a ) ( 3 ) ( A ).

For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance as a result of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ).

When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ).

To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ).

For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ).

For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )
Consumer complaint received 2020-11-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

A prior rental I had in XXXX sued for non payment of rent. I had paid rent up for 6 months prior and during my 6 months of paid rent did not have hot water. I made numerous complaints to the office, XXXX XXXX XXXX department and code compliance between XXXX. They were sighted multiple times. Upon 6 months paid with no hot water and no signs of improvement I did not pay rent. The case was taken to court for non payment. I appealed the decision and on XX/XX/XXXX were were heard in XXXX XXXX by Judge XXXX XXXX who not only agreed with me but awarded judgement in a split favor. I would move but only be held responsible for a total amount of XXXX and {$770.00} from the appeal of rent during the safety of the paupers act. He advised the current landlord that would be the sum ( {$1100.00} ) of what she was able to collect. However she walked out of the court and threatened me that she would claim as close to {$10000.00} against my credit as she could. Which to date she has continued to attempt and hold my credit hostage for {$6600.00} I contacted the company multiple times and have disputed the information with no success. I was unable for several months in XXXX to even file a dispute against the company during Covid19.I have all my court documents including but not limited to the false documents she reported to the credit bureau after the case was legally closed out and judgement in the amount of {$1100.00} was granted.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am disputing the Foreclosure on my property at XXXX XXXX XXXX XXXX XXXX ga. XXXX by Select Portfolio Servicing. 
I'm told my loan is part of the XXXX XXXX  XXXX XXXX XXXX Mortgage Backed Notes XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX. 
I have asked Select Portfolio multiple times for information on the trust, so I know it actually exists, and all I from the in a statement that it is owne by XXXX XXXX XXXX XXXX XXXX ... no other information other than that. 
I have tried to research my self and find no current record of it, I have called XXXX XXXX XXXX XXXX XXXX myself and they refer me to XXXX XXXX, when I call XXXX XXXX I run into a dead end as well. 
Since Select Portfolio is collecting on this trust I would imagine they would have all the info I need to make a move on recovering this property, yet they seem more interested on foreclosing. 
I have submitted to dispute letter both to CFPB as well as Select Portfolio for information on this trust and am currently waiting on an answer. 
My foreclosure date is less than two weeks away and I request it be postponed due to the fact that I am lacking information to get this loan back on track. 
I have interested parties to purchase the property based on the information I get back from the dispute and I need time to act on it.
Consumer complaint received 2022-06-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

year of 2020 I quit my job to go to XXXX, while I was in XXXX  I went to see a XXXX  I used to see before I did lost my benefits from my job, I had a balance of {$70.00} to pay, they didn't even give me time they sent it to collect Bureau, I tried to dispute it they never wanted to drop it off.
Consumer complaint received 2020-11-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (OK)

I had a auto loan through XXXX XXXX, who said that I did not make a payment for XX/XX/XXXX payment was made over the phone, the then proceed to say I didnt make payment and send my loan over to Westlake financial portfolio who then sends me a letter stating they have taken over my loan and that my loan is late I then call and try to fix also send proof it has been 1 month they still have not fixed the problem also were calling multiple times trying to collect the loan after me explaining to everyone that Ive paid it and have sent proof still no resolution, I finally spoke to a supervisor who then said they would get it fixed and still nothing has been fixed. I dont dont like this company and I didnt agree to have my loan transferred over.
Consumer complaint received 2022-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (WA)

ALLY Bank froze and closed all of my accounts and denied access to my accounts completely a few days after I received a large pandemic XXXX XXXX  {$10000.00} USD deposit from the Small Business Administration due to the name on the check being my business name " XXXX XXXX  '' and did not match my real name on the bank account, " XXXX XXXX ''. I attempted to resolve the issue by providing my business license and DBA ( doing business as ) but they told me that they had already begun an investigation into my account and that I needed to contact the " US Treasury ''. Nobody at the treasury knew what was going on. I had 3 accounts open with ALLY - a checking account, a savings account, and a joint account with my partner. 

On XX/XX/XXXX ALLY Bank closed all of my accounts and withdrew a " DDA Debit Memo '' which took every last cent out of my bank accounts at the time was totaled at {$4100.00} USD. 

Received a call from ALLY Bank Called Ally on XX/XX/XXXX at XXXXXXXX XXXX XXXX US Time. I returned their call at XXXX XXXX  XXXX US Time and found out about my account being closed and being under investigation for " suspicious activity. '' They provided a link for me to submit identification documents, which I did. I received no response. 

Called ALLY again on XX/XX/XXXX at XXXX XXXX  for an update, they were unable to provide any information on an update but made notes on my account to help their investigations department. 

Called ALLY again on XX/XX/XXXX at XXXX XXXX  for an update, they told me they can no longer help me as my accounts are completely closed and they will not reopen them. 

Called ALLY again on XX/XX/XXXX at XXXX XXXX  and they told me the same thing as before. 

Called ALLY again on XX/XX/XXXX at XXXX XXXX  and they told me that there is nothing more they can do. 

I have almost lost all hope at this point and have been patiently waiting for ALLY Bank to conclude their investigation and send me my money back. I have received no word from them at all, I need my money back.
Consumer complaint received 2022-06-12
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. (GA)

These accounts are not mine. The bureaus failed to verify these accounts and this is grounds for deletion. Accounts ar Debt Recovery, Act # XXXX and XXXX XXXX, Acct # XXXX. The FDCPA and FCRA was violated.
Consumer complaint received 2022-06-11
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. (GA)

I has an account with XXXX in XX/XX/XXXX and paid the account in full a few months later. The company came back later to indicate I still owed money and when I refused to pay because I had evidence that the bill was paid in full, they reported that I was late to the 3 credit bureaus. To avoid further impact to my credit report I paid the money. 

In XXXX of XXXX, I received a letter and a check from the FTC indicating that According to the FTC 's complaint, XXXX  engaged in numerous deceptive or unfair practices, including : falsely advertising that it would accept payments by credit or debit cards failing to properly and timely credit payments made by check providing deceptive payoff quotes to customers trying to collect more money than the quoted payoff amount and making unauthorized charges to customers ' bank accounts. 

When I reported a dispute to all 3 credit bureaus to have the missing payment information removed from my credit report based on the FTC information I received, but all 3 came back to indicate that XXXX indicated the information is correct, rather than take into consideration the FTC notice which I have file several complaints with multiple agencies about XXXX practices and the inaccurate information on my credit report. I want the information corrected by all 3 credit reporting agencies because the FTC has proven that XXXX XXXXs practices have impacted my credit ratings.
Consumer complaint received 2022-06-11
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. (PA)

In accordance with The Fair credit reporting act XXXX  account # XXXX 15USC 1681section602A States : I have a right to privacy 15USC1681 604A section 2 : Also states a consumer reporting agency can not furnish a account with out my instructions
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-12
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. (NC)

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

15 U.S.C 1681 section 601 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 2022-06-11
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 has an account with XXXX in XX/XX/XXXX and paid the account in full a few months later. The company came back later to indicate I still owed money and when I refused to pay because I had evidence that the bill was paid in full, they reported that I was late to the 3 credit bureaus. To avoid further impact to my credit report I paid the money. 

In XXXX of XXXX, I received a letter and a check from the FTC indicating that According to the FTC 's complaint, XXXX  engaged in numerous deceptive or unfair practices, including : falsely advertising that it would accept payments by credit or debit cards failing to properly and timely credit payments made by check providing deceptive payoff quotes to customers trying to collect more money than the quoted payoff amount and making unauthorized charges to customers ' bank accounts. 

When I reported a dispute to all 3 credit bureaus to have the missing payment information removed from my credit report based on the FTC information I received, but all 3 came back to indicate that XXXX indicated the information is correct, rather than take into consideration the FTC notice which I have file several complaints with multiple agencies about XXXX  practices and the inaccurate information on my credit report. I want the information corrected by all 3 credit reporting agencies because the FTC has proven that XXXX XXXX  practices have impacted my credit ratings.
Consumer complaint received 2019-03-20
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)

I am a victim of a data breach in 2013, as XXXX XXXX and all of itts consumer personal financial information was exposed. Because of this recent discovery, I am very concerned about the privacy of my information, which has been compromised and it is all over in the dark web, loan accounts have been opened in my name. I was told to file a complaint now as I sent my dispute in with the major credit agencies with no action taken. A detailed letter of this dispute, my ID and my FTC ID theft report are attached. I'm requesting this information to be block from my credit report in accordance with the FCRA .Please remove all non-account holding inquiries in the last two years.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

Was attempting have annual membership fees removed from a credit card and then canceling the card. After completing a payment to bring, what I thought was the balance to zero, they attempted to keep the account open and persuade me to stay with them by offering miles and additional membership perks I dont recall. 
When I turned down the offer they, went through the process of canceling the card. 

After completing the close questions. I asked so what happens to the membership fee now that we cancelled. I was told that because it was beyond 30 days I could not receive {$95.00} dollars back and if not paid it would incur late fees. Why was I not told this before canceling the card? I communicated to them this was the reason for the call. Why would I cancel the card in month 2 if I paid {$95.00} or knew I could not get it back? 

Then they told me there was nothing the rep could do and that I would receive a managers callback the next day. I did not hear from anyone for a week. Today when I called back in I was told an investigation into the matter would occur and it may or may not be successful and payment would still be due. How is this fair. I was with that company and maintained a line of credit for 24 years. I was insulted, tired of communication promises not being kept and made payment.
Consumer complaint received 2022-06-11
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, and 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 2022-06-11
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)

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also one of the credit bureaus deleted said the account was deleted then reappeared on my credit.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX