davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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: ALLY FINANCIAL INC. (MA)

My divorce decree states that my ex-wife took over the payments on a vehicle lease. 
She decided to stop paying the payments because she said she couldn't afford it and because the vehicle was originally registered in my name it's going on my credit report instead of hers. 
At the time of the divorce she had lost her job due to COVID so there was no way for her to refinance the vehicle into her name. 
Ally financial wouldn't let her do it. 
So now Ally has trashed my credit report. 
They won't do anything about it because they say it's a contract and it can't be broken. 
I guess a court document is irrelevant in this country now because they don't have any say over what corporations can do. 
And big corporations like Ally can just do what they want to do. 
This is just such a common sense issue I'm not sure why it matters to Ally who ultimately gets their credit report destroyed. It should be the person who is responsible which is my ex-wife not me. 
Ultimately we need to have legislation to force these companies to be accountable to the people rather than to themselves. The credit reporting bureau doesn't even explain it in my credit report so when someone reads it all it says is I've disputed it. 
And who even knows if someone that's reviewing my credit would even bother to review a note. 
The system is broken and needs to be overhauled
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Uplift, Inc (OK)

This company said l signed up for travel account for a cruise. I told them l didn't do it and they shouldn't have been selling it because covid was in affect and cruises were not even sailing out. At that time they weren't even allowing people to travel. I also filed a report with the police because there was a lot of fraudulent activity happening with my credit report, bank accounts, mail and so forth. On all my credit report l have them locked that no one should be assessing any inquiries. But they're still able to. And my credit score has dropped. The name of the company is uplift. And XXXX also has me as delinquent and l went to there store to buy something. I gave the clerk my debt card to pay for the items and she goes and signs me up for a XXXX XXXX credit card. It was around XXXX and so the credit card came to my address in XXXX. When l got the card l was furious l went right to XXXX XXXX paid it off and closed the account immediately. I have called the store several times and told them to get it off my credit report. I never asked for a credit card. I don't even like XXXX XXXX store. And l don't shop there.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I mobile deposit a company paycheck on XX/XX/22 and my bank placed it on extended hold for no reason it will clear its a paycheck from my job Im working at I been without money for 4 weeks and I need my money my phone bill is overdue now it shouldnt take 4 weeks to verify a paycheck they told me I would get it on XX/XX/22 at XXXX and now Im going to get it XX/XX/22
Consumer complaint received 2022-04-26
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. (FL)

My score was XXXX on XXXX XXXX XXXX. I paid off several accounts and my score went down XXXX, points. From XXXX, to XXXX, on XXXX XXXX, XXXX. My delinquent went from XXXX, to XXXX. My score should have risen. 
I called several times and was on hold, when someone answered they always hang up..
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

Hello, I received a letter from a collection agency ( Convergent Outsourcing, Inc. ) dated XX/XX/2022. I attached a copy for your review. 

The letter claims that I owe {$50.00}, however, I paid my final bill to XXXX which was actually {$85.00}. I have attached evidence of this as well. 

The debt amount does not even make sense.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit Reporting act Experian, XXXX and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These names, numbers and addresses do not belong on my credit report. 

NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES:XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, AR XXXX NUMBERS XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX
Consumer complaint received 2022-04-26
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)

What happened? 
XXXX XXXX XXXX has flagged your account as Charged off as bad debt with XXXX, which may negatively impact your credit score based on TransUnion data.

Source : TransUnion Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Activity : Charged off as bad debt 15 U. S. C.1681 section 602 A States I have the right to privacy 15 U. S. C. section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I submitted CFPB XXXX XXXX - Results due by XXXX XXXX. 

Ever since I submitted this case, Experian has been actively blocking me from accessing my records, making it an undue burden to view the results of 14 disputes results sets returned. 

In their first line defense, the email me that dispute results are ready, I follow the process to view said results, and they deny me access. They supply a form that I can mail or submit online with supporting documentation to establish my identity, but their second defense is blocking my ability to submit in this manner, despite submitting in a .pdf format and all less than 4mb, a far cry from their limit. 

They then tell me that I must mail a shorter mail form, with additional layers of documentation and that I can not call in, fax, or use the online method, thus rendering my timely review and response impossible since they never mail the results back or reply ( as they have not replied with you ).
Consumer complaint received 2022-04-25
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. (AR)

In accordance with the Fair Credit Reporting act XXXX, Transunion and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A states I have the rights to privacy. 
These names, numbers and addresses do not belong on my credit report. 

NAMES : 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 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
Consumer complaint received 2022-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-04-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Since XXXX this morning Sunday XX/XX/2022 Portfolio Associates has had people outside my house and has been harassing me to include inside my bedroom and even so low as to go inside my bathroom while I attempted to go to bathroom. They made derogatory and thinly veiled comments that were easily deciphered. the violated my spiritual life by suggesting they were delivering a message from XXXX XXXX suggesting i was not welcome and should stay away. They stayed around my house harassing me and my elderly father for my over three hours. These were the worst kind of dispectbal ever. They were beyond all bounds of human decency and were making a big joke out of things while causing embarrassing and attempting to humiliate and torture us orally with constand ugly and outlandish remarks. Any assistance with having these unsavory characters cease and desist would be greatly appreciated.
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

Phone call says his name is XXXX does not give me last name asays I owe a debt from XXXX that I paid on he says for nine years then stopped in XXXX Refuses to tell me what the debt is for except the name of some bank I have never heard of HSBC gives me a phone # which I called its a Nevada phone # i have never lived in Nevada or heard of this bank XXXX ( XXXX ) XXXX When i call they answer XXXX XXXX XXXX but I look up this law firm and its different phone # in Nevada and not a debt collector? 
This XXXX on phone Threatens to sue me and garnish 25 % of my wages. 
I have never heard of this bank and I am so concerned and confused please help me He faxed me a paper wanted me set up payment plan without allowing me to know how I obtained this debt. He has my employers information. 
I'm really worried cause I can't understand what is going on.
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (IL)

On XX/XX/2022, I sent a wire transfer to EAST-WEST Bank in the amount of {$28000.00} to the account holder XXXX XXXX XXXX This money was for XXXX XXXX XXXX ' XXXX XXXX However, this transaction turns out to be a total fraud. In addition, this company promised me a refund if they did not perform. However, East-West bank is XXXX and abetting criminals to commit fraud on people like myself. In addition, it appears to be a pattern with this bank that is allowing their clients to scam people. I am one of many that have fallen prey to their client 's schemes. Please see my attached documentation to verify that I have fallen prey to East-West bank 's clients that are scamming people.
Consumer complaint received 2023-01-03
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. (IL)

In accordance with the Fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name 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 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 2022-12-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (OR)

On XX/XX/22 I obtained my credit reports from Experian, XXXX, and XXXX and these 3 companies are continuing to illegally furnished incorrect and inaccurate data on my credit reports for XXXX XXXX ACCT ( ACCT # XXXX ) and a XXXX XXXX acct that has not been validated and/or verified. After asking numerous times for validation of these debts and if I did in fact give authorization to these companies to legally use my personal information according to the FCRA no legal remedy has been made. They continually use my personal information without my consent I want it to stop immediately.
Consumer complaint received 2022-04-25
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. (FL)

I disputed all accounts that were opened using my information as fraud to all 3 credit bureaus. They advised me to file an FTC fraud report with each account number & submit back to them via fax to have it removed from my credit report.
Consumer complaint received 2022-04-25
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. (FL)

I disputed all accounts that were opened using my information as fraud to all 3 credit bureaus. They advised me to file an FTC fraud report with each account number & submit back to them via fax to have it removed from my credit report.
Consumer complaint received 2022-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

I was told by several of the customer service reps that I missed a XX/XX/2022 payment, as such my XX/XX/2022 payment was applied to the XXXX installment. Additionally, that my account is past due and has a late fee. 

I went through my account and all payments have been made timely, including XXXX. Two different reps argued with me, one hung up on me and neither communicated clearly at all. I asked to speak with a manager and was told they weren't available. I have since sent in screen shots of my XXXX payment transaction as well as transactions for the last 10 months. I have NOT missed any payments. I believe the issue is on their end. The XXXX payment was successfully processed on XXXX. 

I've asked that the company immediately ensure that the payment is credited to my account and that the late fee is removed. 

As a side note, when I went through my account with the service rep checks are routinely sent timely and are posted past due.
Consumer complaint received 2022-04-24
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-04-26
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. (OH)

In accordance with the Fair Credit Reporting act the following company & accounts have violated my rights ; 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 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 2022-04-26
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. (MA)

In accordance with the Fair Credit Reporting act 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 section2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-25
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. (GA)

in accordance with the fair credit reporting act account # 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
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: PENTAGON FEDERAL CREDIT UNION (GA)

This is against Penfed Credit Union. On my XXXX statement I noticed that I have been getting a {$3.00} charge for a cash advance. I contacted them to ask about this cash advance as to when it was made and how much. I have not gotten a response as to date. I called and could not get an answer. Penfed # XXXX Thank you for contacting PenFed. 

Weve received your support case ( XXXX ) and have forwarded it on for reviewa representative will be in touch with you as soon as possible. 


Sincerely, PenFed XXXX XXXX Take PenFed with you!
Consumer complaint received 2022-04-25
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. (GA)

in accordance with the fair credit reporting act account # 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
Consumer complaint received 2022-04-26
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX  XXXX XXXX Account # 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 2022-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (SC)

On XX/XX/XXXX I was called by a person claiming to be a XXXX XXXX rep after I received a text about a potentially fraudulent charge. I was instructed to send Zelle payments in order to have them flagged as fraud and theyd come back into my account.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Law Offices of Mitchell D. Bluhm & Associates (WA)

In accordance with the fair credit Reporting act XXXX Account # 12345, has violated my rights.

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

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

15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX {$730.00} XX/XX/XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX {$2800.00} XX/XX/XXXX MBA Law {$2200.00} These dates and any other improper use of reports sent out against me was and is direct violation of my right which is illegal.