davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I have two medical debts under {$500.00} listed on my TransUnion credit report from the Company XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX. As of 2023, these charges should no longer be listed on consumer credit reports. See : XXXX XXXX XXXX
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

I tried to purchase a puppy through a breeder whose website was cleared by XXXX and ran as an ad on XXXX. I was in contact with the owner and they did all of the routine steps in making sure everything went smooth and was consistent with what you would expect of most breeders. After all paperwork was drawn up, I paid {$2500.00} total using XXXX and XXXX for the dog but after noticing some sketchy services afterwards, I realized that I had been scammed. I then reported the operation to the FTC, FBI, XXXX, XXXX and XXXX. I've tried recovering my funds from XXXX XXXX, XXXX and XXXX but they all denied my claim.
Consumer complaint received 2023-02-06
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: Cascade CISS Holdings, LLC (MI)

I reviewed my Consumer Report My name and address was incorrect My ONLY NAME IS XXXX XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX Mi XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked them to investigate and remove the inaccurate form my consumer report that they are illegally reporting that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
This is a violation of The Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.
Consumer complaint received 2023-02-05
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. (VA)

My personal information was exposed in the Equifax, XXXX XXXX and XXXX data breach. And on XX/XX/22 a XXXX credit account with a limit of {$500.00} from XXXX XXXX, XXXX was open without my permission and reported on my Equifax and XXXX credit report.
Consumer complaint received 2023-02-05
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. (LA)

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : Dept of XXXX AID # XXXX, Account name : XXXX XXXX XXXX, Account name : Credit XXXX XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : DPTED/XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX section XXXX A. XXXX 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 2023-02-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Tesla, Inc. (FL)

On XX/XX/XXXX I paid a deposit online to order a new XXXX XXXX XXXX replace the current XXXX XXXX that the Lease was expiring on XX/XX/XXXX. I paid the deposit of {$250.00} online ( copy attached ). After that they kept on asking to follow up in the app but the new order never showed up. First Tesla said there was a wrong email ( I had ordered the new Tesla with my account with Tesla and my email XXXX. Tesla sent me an email that I had to make an affidavit that this email : XXXX was mine. I told them that was not my email and it was a crime to uses somebody else 's email. Tesla personal insisted that I committed fraud and state that email was mine. I provided them with proof of my email, copy of my credit card charge and also Tesla own receipt that the funds were received. After multiple correspondence explaining to them that what they were asking was illegal they arbitrary stole my deposit and told me I had lost it. 
I tried to have the deposit credited or refunded but Tesla refused to give it back or credit it. I had to place another deposit, this time with the involvement of a local Tesla store and I finally received the new car. The original deposit was never refunded and Tesla stole my money and refused to give it back.
Consumer complaint received 2023-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

I received a bill from Comenity in XXXX for {$100.00} for charges I did not make. There were 11 transactions made all on XX/XX/XXXX with the description XXXX XXXX XXXX XXXX. I did not do anything when this was received as I am not familiar with Comenity and do not have an account or card with them and thought this was a scam. XXXX I received another bill from Comenity now {$130.00} as they added on a late fee & interest to the bill. XX/XX/XXXX I spoke to a representative at XXXX XXXX XXXX XXXX and they told me Comenity is a bank and they showed an account with them from XX/XX/XXXX and I would need to file a dispute with Comenity. XX/XX/XXXX I contacted Comenity and was told this credit card was XXXX and in XX/XX/XXXX transferred to Comenity. We never received a card from Comenity and thought we cancelled the XXXX card. We cancelled the Comenity card then and filed a claim with Comenity. Was told to make a Fraud report to the Federal Trade Commission and their website directed me to the Consumer Financial Protection Bureau. I am still waiting confirmation of the closed account and outcome of the claim.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

The creditor and Equifax and XXXX continues to report numerous of inaccuracies from derogatory remarks, made on the account, remove and then put back on updating the status on the account from current to past due, and the status of the account this needs to be removed or updated immediately without the derogatory remarks, or late payments
Consumer complaint received 2023-02-05
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: Kikoff Inc. (VA)

My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a Kikoff credit account with a limit of {$500.00} from Kikoff Lending , LLC was open without my permission and reported on my XXXX and XXXX credit report.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (ID)

Goldman Sachs Apple Card are still showing my account as open on all 3 credit reports. XXXX XXXX, XXXX, and XXXX. Apple Card are aware that I am in bankruptcy, and yet still have not closed my accounts on these credit bureaus. They also mentioned something about a charge off, which is extremely harmful to my credit score, and thats illegal to create while I am in bankruptcy as well. I have been in bankruptcy since XX/XX/XXXX, my lawyer sent a letter to Goldman Sachs/Apple XXXX back oXXXX XX/XX/XXXX. This is illegal after filing bankruptcy.
Consumer complaint received 2023-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You recently stated you did an investigation on information being accurate and just updated the information, but my dispute was about the UNLAWFUL VIOLATIONS THAT HAVE BEEN ALLOWED ON MY CREDIT! This is my last attempt before moving forward with my attorney on filing suit. This is to report the inaccuracies and violations that are on my report, which are grounds for IMMEDIATE DELETION! 
FINWISE OPPLOANS XXXX ) it is AGAINST THE LAW TO REPORT A CHARGE OFF MONTHLY VIOLATION OF 623-15 U.S.C 1681s-2 Duty to provide notice of delinquency of accounts ( No later than 90 days After the furnishing information, notify the agency of the date of delinquency on the account the month in the year. 
XXXX ) the IRS CONSIDERS a Charge off as GROSS OR ORDINARY INCOME, So why is this on the credit report? I have not received a 1099C.? Violation of 15 USC 1681 ACCURACY AND FAIRNESS 3 ) This company has failed To protect my information VIOLATION 15 USC 6801 PROTECTION OF NONPUBLIC INFORMATION 4 ) They are also reporting a past due amount that is higher than the highest balance that is also an accurate reporting, which is also a violation because according to the FCRA everything report, it needs to be 100 % accurate Which are also grounds for dilation 5 ) Another violation is this company is showing that payments were made and then theyre stating that no payments were made and that I owe the full amount of XXXX how is that so if payments were made? They are not reporting correct payments, that is also Not fair and in accurate, Which are also grounds for a deletion XXXX ) VIOLATION OF 15 USC 6802 OBLIGATION WITH RESPECT TO DISCLOSE PERSONAL INFORMATION, Which means in accuracy is also grounds for deletion 7 ) also, how can this information be accurately verified when my name is incorrectly spelled in the wrong address is on file, and Ive called on multiple occasions, trying to correct this. Ive also while mailing disputes have sent copies of my drivers license my name should B displayed on my credit report as it is on my drivers license not using a middle initial that is not my name my mother and I have the Exact same first name and if youre using a middle initial, we have the exact same middle initial so our information has been messed up in the past. This is also an accurate reporting.
Consumer complaint received 2023-02-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AZ)

The people that work at the PNC branch at XXXX XXXX XXXX XXXX XXXX in XXXX, Arizona are former BBVA Compass employees, and they are wonderful. 

But since PNC Bank bought BBVA Compass, it has become a PREDATORY LENDER. 

HISTORY : On the last day of XX/XX/XXXX, I went in here to make a principal payment of {$500.00}. It was misapplied. On the last day of XX/XX/XXXX, I went in to speak with the branch manager to get the mistakes corrected from XXXX principal payment and make another principal payment of {$500.00}. It was misapplied. I called them and have spoken with multiple people from their executive offices. They have called me with assurances. I have been back and forth multiple times with them on XXXX. 

Trusting what they said, I made a {$1000.00} principal payment on XX/XX/XXXX. I checked today. HERE IS MY STATEMENT which I just reviewed. ALL OF MY PRINCIPAL PAYMENTS ARE STILL MISAPPLIED. 

PNC is RIPPING ME OFF and I want them sanctioned and fined. 

Others should be warned. 

Also, I reconcile my account monthly in XXXX and their statements do NOT show all of the charges because my account is more than {$30.00} off. What else are they charging me? 

SOMETHING STINKS.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (NV)

Experian continues to violate my unalienable and federally protected rights by reporting incomplete and inaccurate information in my credit file. They do not follow reasonable procedures to ensure maximum possible accuracy as required in the FCRA. I have filed several complaints through CFPB, only for Experian to enter a new dispute, in which I did not request. What I demanded was for them to provide me with proof that they have the authority to furnish my information and proof of the method of verification, which they have not. This last complaint submitted on XX/XX/22 they did a reinvestigation of an account that I did not even request. This is how I know they are fraudulently reporting inaccurate information to my credit file. Who gave Experian the authority to store or house my non public personal information? I have NEVER given Experian the authority or power to furnish my information, Experian does not have the right to make decisions on who my information can be shared with! Experian does not have the right to enforce me to participate in their business practices. Is Experian an actual consumer reporting agency? Experian is pretending to have a vital role furnishing private information with no authority. Experian deliberately pretending to have a fundamental concern or right in furnishing my private information with no authority is an invasion of privacy. Experian continues to respond grossly, and I intend to sue.
Consumer complaint received 2023-01-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (FL)

As dated, XX/XX/2023, Southwest Credit System has invasion my rights to privacy. I, XXXX XXXX, do not agree to contract, I do not give consent for such company to have my nonpublic personal information. See attachments.
Consumer complaint received 2020-05-27
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. (OH)

I called Experian about how to go about taking my name off my husbands credit card, I explained ( with my husband sitting there with me ) that I have my own credit card ending in**** credit limit XXXX my husband has his own card ending in**** my husband said his card came with my name on it and he didnt know why and to take it off because I had my own. The man informed me to file a dispute that he did for me over the telephone. When I checked the results I realized he took my card off my credit so I called XXXX XXXX tried to explain the situation I was sent to the fraud department I explained that Experian took the wrong credit card off my account the one that was taken off was my card I was told the card is marked as fraud I can reapply if I want but the card I was calling about is fraudulent.I gave the all my info to verify who I was and was told nothing I could do, I asked how to make a payment because I have one coming due and I was told I couldnt make a payment because its a fraudulent card ... I called over 5 times trying to talk to someone I explained to these people there was a mistake on my card its not fraudulent its mine. I was hung up on several times I was told to fax a notarized letter with 2 ids saying it wasnt fraud ..I called to see what I could send because my social security card hasnt came yet and was told by a man that I could not fax it I have to mail it he gave the address but wouldnt tell me who I need to send it too he said it wasnt the fraud department but a different department he couldnt give me a direct number because he said there wasnt one and he said he would transfer me after the second time being on hold I was hung up on again I am so angry that I cant anyone at XXXX XXXX or Experian to listen to me I have phone records to show all the calls I made to these people .what can I do?
Consumer complaint received 2023-02-05
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. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-05
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 was in communication with XXXX Bank attorney XXXX XXXX and XXXX XXXX XXXX on XXXX XXXX XXXX in regards of an account ( XXXX ) that is still on my consumer profile. 

I reached out and explained that XXXX Bank is breaking the XXXX XXXX XXXX XXXX  ) and stated what laws were being broken on my consumer profile. We had a conversation regarding the account and ultimately XXXX the attorney came to a decision to settle for a payment of {$500.00}. 

I will attach the screen shots of the emails of the conversations. 

I stated that I would be willing to settle to if they would agree to remove the negative account that is violating my consumer rights. 

XXXX came back and stated that XXXX Bank is unwilling to delete/remove the account and then offered {$250.00} more ( {$750.00} ) to " resolve '' my concern. 

XXXX Bank has attorneys representing their company that are knowingly breaking the law. I would like for this to be on record that I attempted to resolve this with XXXX  bank and attorneys. 

I have reported the issue I am having with XXXX Bank with my Attorney XXXX XXXX as well and I would like for this to be removed from my credit profile immediately as it is and has been XXXX XXXX XXXX effecting my financial future.
Consumer complaint received 2023-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WI)

I have faxed over documents to Midland Funding on XX/XX/2022 for a debt validation for {$610.00} per the Fair debt collection practices act, 15 usc 1692g. I requested they office provide me with competent evidence that I have any legal obligation to pay them. They have failed to provide me that information, instead they provide what looks like an old bill from an unknown address. They also failed To stop telephone contact after my cease and desist to stop phone call attempts. *Documents are attached of what I sent company and what company to to my response*
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do NOT recognize these credit inquiries nor do they belong to me.
Consumer complaint received 2023-02-05
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. (FL)

XXXX  to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You OR XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices. 
You, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
account ending in XXXX. 
I was never late on this account please update the account as Paid/Current. 

By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX, XXXX XXXX [ XXXX ] Without Prejudice, All Natural XXXX XXXX XXXX