davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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. (IL)

Hi I am submitting this 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 n 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 im XXXX now.with no help.
Consumer complaint received 2022-09-29
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, have 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 with antedates the report by more than seven years. 

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-09-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called three times today to speak with someone that can help me with my online account and finally when I got a US Rep, she transferred me back into the que with the stupid computer asking the same questions OVER AND OVER AND OVER!!!
Consumer complaint received 2022-09-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Wakefield & Associate Collection Agency back in XX/XX/XXXX, reported to all 3 major Credit Reporting Agencies, medical debts from XXXX 's & early XXXX 's, that I was oblivious too. Because of the New Fcra Rule, that omit any medical bills from reporting on a consumer credit report, and a consumer unaware of any medical debts, has ignored this fcra rule violation twice. They recently, reported to XXXX, XXXX XXXX XXXX. Here 's the case information from XX/XX/XXXX. XXXXFBP Case regarding Wakefield & Associate Collection Agency XXXX. Reporting Unknown, old medical bills. Here 's the response from Wakefield and Associates on XX/XX/XXXX XXXX Company responded STATUS responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for giving us the opportunity to respond to XXXX XXXX XXXX complaint. After investigating these accounts, Wakefield and Associates, LLC has decided to close and return these accounts to our clients. A credit deletion request was sent to the credit reporting agencies. XXXX XXXX XXXX will receive no further communication from us regarding this matter. We encourage XXXX XXXX XXXX to contact us directly if additional information is required.
Consumer complaint received 2022-09-29
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. (KY)

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

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

15 USC 1681 Section 604 ( A ) Section 2 : 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 and consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (IL)

Hi I am submitting this 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-09-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (IL)

On XX/XX/XXXX we were approved for a forbearance plan due to covid-19. 
XX/XX/XXXX we were approved for covid-19 Advanced loan modification which had the interest rate of 3.125 %. 
We accepted the offer over the phone and they told us to wait for XXXX to deliver the paperwork for us to sign and said it would take 30 to 45 days to come, but it never came and so we called numerous times to see when the paperwork would come and they kept telling us it's still coming and don't worry and they even told us don't make any payments until you've signed the paperwork. 
Finally in XX/XX/XXXX we found out that they were not going to send the paperwork for the deal we agreed to back in XXXX and this is after we called many times to find out and they kept telling us that they are very busy but we will get the paperwork. So XX/XX/XXXX they submitted the underwriting decision letter on the website but by that time we were leaving for a trip which would take us out of the country for 2 months in XXXX. And I found out that they gave us the letter by calling again because they had previously assured us that we would get the paperwork before we leave on our trip. Now in the XX/XX/XXXX underwriting letter the interest went to 5.75 % which increased our payments from the previous agreement. But because we were out of the country now they said they had to do another decision letter and we ended up with 6.375 % with a 40-year mortgage and this is what we ended up with when previously we only had 18 years left to pay. So the complaint is that from XXXX all the way to XXXX they were not able to handle this properly and give us that 3.125 % which we agreed to, when every time we called they gave us wrong information saying that the paperwork is still coming and their delay, and it seemed maybe incompetence at the time, has now left us with a much higher interest rate and a 40 year mortgage. And so we would like to see is there a way that they can Rectify this problem because I've spoken with them numerous times about this problem and all they can say is that they're sorry we went through that but there's no fixing of the amounts to show the original agreement we agreed to. Thank you very much
Consumer complaint received 2022-10-11
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. (TX)

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

In accordance with the 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.

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 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 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

The reporting agency in violation of 15 USC 1681 ( a ) ( 1 ), Accuracy and fairness of credit reporting. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (IL)

Hi I am submitting this 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 n i made this clear for 60 days straight with transunion 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 XXXX 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 im XXXX now.with no help.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A. (WI)

PNC Bank continues to decrease my credit limit on both my credit ares for no apparent reason. As soon as I pay the balance down, the decrease my credit limit by almost the exact amount I paid down. When I spoke to them, they said it was due to my credit rating. What they are doing is exactly what they clam is the issue. By decreasing my credit limits, they are driving up my usage percentage and driving my credit rating down in the process. In the case of one card, they took {$4400.00} off my available credit in one swoop, driving my usage percentage from around 50 % to 95 %. Worst, I was on vacation at the time, and not notified of this decrease until a week later.

I would just like to know why they are doing this. I have never been late with any payments on my cards or car loan, which make this appear to be a simple vendetta against me. 
I am shopping around for a new bank now, since I am not sure what else they are capable of.
Consumer complaint received 2022-09-29
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX  XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602 A section 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 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information, any adverse item information, other records of convictions of crimes which antedates the reporting 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 information is inaccurate.
Consumer complaint received 2022-09-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (IL)

This company decided to text me instead of calling me or sending me a letter about a debt which I know is violating federal rights. They also did not provide any proof at all that it is mine. They sent me notification from an unmentioned number so they KNOW they are violating a person 's rights because they don't want responses.
Consumer complaint received 2022-09-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (OK)

I talked to them on the phone and they said I still owed a debt, I was taken to court earlier by a different attorney and this debt was dropped because I have a XXXX XXXX and paid-off note! this is not my debt. The court in XXXX XXXX has a record of this information and I am no longer to be contacted over this debt. This is unfair and the original collector knows it was paid for.
Consumer complaint received 2022-09-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (AZ)

Municipal Services Bureau has been calling for over 3 years. 
The last time they called was Tuesday, XX/XX/XXXX the at XXXXXXXX XXXX, from the number XXXX. 
I inquired about their reference id # XXXX and it was to collect a debt from a man who does not live here and is not at all related to me. 
I owe no debt with them, and they have acknowleged that, but they continue to call often.
Consumer complaint received 2022-09-29
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. (NY)

I have already disputed these accounts and collections XXXX XXXXXXXX but they do not delete me I don't know why I need someone to help me I have already disputed XXXX XXXX and nothing that erases from my credit three XXXX XXXX and three closed accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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. (AR)

In accordance with the fair credit reporting act XXXX XXXX have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C 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 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions Furthermore, as a victim of identity theft anything that I did not do is to be stricken from my credit report or I have the right to sue in state and federal court. I already have a lawyer and litigation will follow promptly
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2022 I sent in a payment to Capital One trying to pay the account in full. The payment was denied and they closed my account XX/XX/2022. I called back and tried to remedy the situation and they declined to reinstate my account. I have excellent payment history and was simply trying to attempt to pay the account in full. Since then I have paid the account in full and there is a {$0.00} balance.
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

My bank is Chase account number XXXX XXXX XXXX XXXX XXXX. I've been involved in the below fraud. XXXX XXXX XXXXXXXX and XXXX XXXX keep saying " speak to my bank '' but the phone number provided said only direct messages and the direct messages have an auto response that it takes a week. I requested a wire recall over 6 weeks ago originally. That was somehow lost. I got a status update from Chase via direct message that was non sensical cut and paste message from the receiving bank. When I replied to that message stating as such I got an automated reply that you'd get to it in another week. This is unacceptable that there's no one to call. I've been scammed out of a significant amount of money ( over {$120000.00} in total, {$65000.00} from chase ) and they've done nothing at all to assist me in the return. 

XXXX XXXX XXXX XXXX number : XXXX XXXX XXXX XXXXXXXX XXXX Case number : Claim # XXXX and Claim # XXXX I was involved ( the buyer ) in a real estate transaction where XXXX XXXX called my title company and said they wouldn't release the funds to the seller because they were running a deed fraud scam and the name on the account did not match the account number. Today has marked 7 weeks. This was not able to be recorded obviously because it was flagged as fraud. A wire recall was supposedly requested by XXXX XXXX XXXXXXXX as requested by XXXX XXXX over 6 weeks ago. I cant get any information at all. The title insurance wont pay out because its fraud and XXXX XXXX said theyd return the funds. XXXX XXXX  XXXX won't answer any questions regarding this case either. Both are pointing the finger and saying the other bank isn't responding. If XXXX XXXX is looking to make sure the case was fraud before returning the funds my title company sent hold harmless over two weeks ago, but also if you need proof that it is fraudulent ( and it's the first thing I noticed that the title company should have caught ) is that the notary stamp on page 6 ( below ) you can look up commission ID 's on Pennsylvania 's department of State website and can see that the name does not match the commission number. If you call the notary with this commission number ( her number is in the department of state directory ) she confirms she did not notarize this transaction. The Driver 's license provided as ID to the closer the DL number does not exist according to the records. I can't get any answers from anyone on this they keep telling me to speak to my bank, but my bank has said XXXX XXXX and XXXX XXXX XXXXXXXX aren't responding. Thank you for your attention to this matter, XXXX XXXX ( XXXX XXXX XXXX XXXX )