davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-01-10
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: BANCO POPULAR DE PUERTO RICO (FL)

To whom it May concern : Serve this to claim a false report on my credit. I recently applied for a loan to a credit agency to acquire a property, to my surprise, the report shows some alleged miss payments. The agent who helps us with the application provided me with the report to be able to claim these allegations. These alleged non-payments are reported in XXXX which I do not recognize since I was making monthly payments. When the account is transferred to Banco Popular, continue with it making monthly payments until XX/XX/XXXX when it was closed. 

My acquisition of an account with Banco Popular of PR ( BPPR ) was through a change made by the banking institutions of Banco XXXX of XXXX XXXX and Banco Popular Puerto Rico. Once the institutions were joined, my XXXX bank credit account goes to the popular bank, for which BPPR assumes responsibility for it. 

The purpose of this claim is to remove these false allegations to my credit. I have tried to communicate in multiple ocations with agents of the Popular XXXX and they have not been able to help me with this diligence. I have contacted the different accrediting agencies ( XXXX XXXX ) which inform me that this request can only be made by the same bank that reported them, in this case BPPR.
Consumer complaint received 2022-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington Bank Mortgage issues. 
I had my home mortgage with Chemical Bank for years. Chemical was purchased by tcf Bank XXXXXXXX. Just a few months later, tcf Bank was purchased by Huntington Bank. Now my mortgage is with Huntington.

When this first happened, we were told to continue to pay tcf. It sounds like a program issue. 
We finally were told to pay Huntington in XXXX. I paid on XX/XX/XXXX and that payment was canceled and returned on XX/XX/XXXX. I did not notice this until I got my XXXX statement saying I was delinquent for XXXX. 
On XX/XX/XXXX I paid both XXXX and XXXX. My bank says it arrived on XXXX. The payment went to some unidentified bucket and was not applied until XX/XX/XXXX when my husband went into a XXXX Michigan branch to find out why it had not been applied. The person at the branch, XXXX XXXX, confirmed I had the correct account number and sent to the correct po box . 
I paid XXXX on XXXX/XXXX/XXXX to deliver XX/XX/XXXX. It also went to the unidentified bucket. My husband went back to the branch to see what happened. Again, XXXX confirmed we had the correct info on XXXX as well. This time we also brought in the branch manager, XXXX XXXX. He says I need to review how I make the payment with my bank. 
Now XXXX, XXXX and XXXX say they are late. 
It seems like Huntington has issues with their mortgage program. 
And my XXXX statement has a {$15.00} charge for a " property inspection fee ''. Huntington bought my mortgage. I did not refinance it. Why am I paying for their inspection? 
This all has an impact on my credit and I don't think I should have to babysit my mortgage like this.
Consumer complaint received 2022-01-10
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. (SC)

This Credit Reporting Agency is willfully violating the FCRA a multitude of times. They have no written permission from the consumer to furnish anything onto the consumer report. 15 usc 1681b.

They have failed to send debt validation/Audit Trail.

Im aware that they are using an automated system, such as EOSCAR to respond and are not investigating the issue in GOOD FAITH.

15 usc 1681 ( a ) ( e ) : investigative consumer report. It cant be from a creditor of the consumer or a consumer reporting Agency.

Attachment below is PROOF that alleged debt is invalid because it was PAID!
Consumer complaint received 2022-03-24
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. (AZ)

On XX/XX/XXXX I contacted Experian Fraud department to let them know that there were inquiries on my credit report that were not authorized by me. 
XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX I spoke to the person at XXXX PM and got an email back at XXXX PM same day, XX/XX/XXXX saying that my results were back and the information was updated on my credit report. These inquiries are still showing on my report. There was no investigation on my issues.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with the fair Credit Reporting Act XXXXXXXX  these accounts listed above 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 statees a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-09
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. (SC)

This Credit Reporting Agency is willfully violating the FCRA a multitude of times. They have no written permission from the consumer to furnish anything onto the consumer report. 15 usc 1681b. 

They have failed to send debt validation/Audit Trail. 

Im aware that they are using an automated system, such as XXXX to respond and are not investigating the issue in GOOD FAITH. 

15 usc 1681 ( a ) ( e ) : investigative consumer report. It cant be from a creditor of the consumer or a consumer reporting Agency. 

Attachment below is PROOF that alleged debt is invalid because it was PAID!
Consumer complaint received 2022-01-09
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. (TX)

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit reports to cause this action. 
I have asked the credit bureaus to restore my credit score back to XXXX. 
This is yet to be done.
Consumer complaint received 2022-01-10
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. (MD)

During late XXXX, early XXXX of 2021, I telephoned XXXX XXXX XXXX about my personal credit card. My account was previously 60 days past due because I experienced medical issues that I had to shift my monies to ; however, I called and fully explained the issue. 

The representative ( lady, which the call can be replayed ) advised me that I had up until the last day of XXXX to make a payment then my account would be up to date. She later stated once I make a payment of {$160.00} in XXXX my entire account would be up-to-date. I made the payment of {$160.00} from my XXXX XXXX XXXX account as promised. Days later, I received notice from all three major credit bureaus that my status was further delinquent. 

Since all calls are recorded, someone should be able to replay the entire conversation.
Consumer complaint received 2022-07-15
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
Names : XXXX, XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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)

PLEASE REMOVE THE FOLLOWING FRAUD ADDRESSES AND ACCOUNTS FROM MY CREDIT REPORT TODAY : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-06
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. (NY)

in accordance with the Fair Credit Reporting act XXXX Account # 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 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

During late XXXX, early XXXX of 2021, I telephoned XXXX XXXX XXXX about my personal credit card. My account was previously 60 days past due because I experienced medical issues that I had to shift my monies to ; however, I called and fully explained the issue. 

The representative ( lady, which the call can be replayed ) advised me that I had up until the last day of XXXX to make a payment then my account would be up to date. She later stated once I make a payment of {$160.00} in XXXX my entire account would be up-to-date. I made the payment of {$160.00} from my XXXX XXXX XXXX account as promised. Days later, I received notice from all three major credit bureaus that my status was further delinquent. 

Since all calls are recorded, someone should be able to replay the entire conversation.
Consumer complaint received 2022-01-10
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: Security Credit Services, LLC (NC)

I have not received any confirmation on how the company has validated the alleged account attached in Exhibit A reporting on my Consumer Report, which I refer to in a sworn affidavit testimony I sent to them. Therefore I request that you consider this a final notice to the offices. Past this point, the company is willfully -Defamation my Character - Violation of the Fair Credit Reporting Act - Violation of the Fair Debt Collection Practices Act - Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ). 
The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that they are reporting. ***** ( copied from the affidavit attached ) ****** A major way I was affected by the subterfuge reports, is how I went through financial misery. It was very difficult to maintain a normal lifestyle without leveraging my credit. I wasn't able to purchase a home or a car to stabilize my living situation. I have to continue to pay rent at a premium rate because of the impact of Security Credit Services , LLC XXXX Inc 's willful noncompliance reports on my consumer report. I also missed out on multiple contracts, jobs and different income opportunities that lead me to financial hardships due to the noncompliance reporting on my consumer report by Security Credit Services , LLC.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (MD)

During late XXXX, early XXXX of 2021, I telephoned PenFed Credit Union about my personal credit card. My account was previously 60 days past due because I experienced medical issues that I had to shift my monies to ; however, I called and fully explained the issue. 

The representative ( lady, which the call can be replayed ) advised me that I had up until the last day of XXXX to make a payment then my account would be up to date. She later stated once I make a payment of {$160.00} in XXXX my entire account would be up-to-date. I made the payment of {$160.00} from my XXXX XXXX XXXX account as promised. Days later, I received notice from all three major credit bureaus that my status was further delinquent. 

Since all calls are recorded, someone should be able to replay the entire conversation.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (GA)

this card from navy federal had been fraudulantly obtained in my name and this reporting on all of my credit reports has been causing me undue problems with my finances i never applied for this card nor did I spend XXXX XXXX  of the said credit account. the card was obtained in late 2020 a a covid year a year in which I had no reason to apply for a credit card.this is a direct consumer violation of 15 USC 1681 a ( q ) ( 3 ) IDENTITY THEFT similiar to REG V 12 CFR 1022.3
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

Regarding Target XXXX XXXX. 

I changed banks for my personal checking. My autopay with Target would not allow me to change the account because it was too close to the due date. I therefore paid the entire balance of the statement on XXXX. My bank statement and their own statement confirm a {$0.00} balance on XXXX. Despite this, they ran the autopay to the now closed account. This of course resulted in a decline of charges, and the Target XXXX charged me a {$28.00} fee for returned payment. 
I called, and the reps ( 2 ) both agreed that on the date of autopay, no money was due. However no one will refund the {$28.00}. This is fraud. Autopay is not suppose to run if no money is due. They made a mistake, and although they admit to it, I am being held to pay for their mistake. 

Attached you will find my XX/XX/2021 Statement with a balance of {$33.00}. You will also find my XX/XX/2021 Statement showing {$33.00} paid XXXX. Then there is an autopay for {$28.00} on XXXX. This is the amount in dispute, because on that date, there was no money due, as the statement had been paid, and autopay should not have been run. 

I know this is a small amount of money, but it is the principle. I do not owe this. 
I have paid all but the {$28.00} and cancelled my Target XXXX. I just need help to reconcile this issue, which I have refused to pay. 

Thank you. 

XXXX XXXX
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (VA)

I received a letter from a company saying thanks for applying for a credit card. I never applied for a card. The company is Genesisfs Card Services, XXXX XXXX XXXX, XXXX, OR XXXX.
Consumer complaint received 2022-08-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (MI)

Eastern Account Systems , Inc. of CT closed out CFPB complaint XXXX, claiming it was a duplicate of complaint XXXX. However attached to XXXX were documents regarding its business activities in Michigan. Michigan law requires that outside firms register as foreign entity. Moreover, foreign entities engaging in activities that are regulated by the State of Michigan are also required to obtain a license in order to transact in their line of business/profession. According to the documentation attached to XXXX, Eastern Account Systems registered to transact business in Michigan and instead of stating the nature of their business akin to " any and all activities for which a firm may legally transact/conduct business in MI, '' their dumb-asses declared the field " Collection Agency, '' and then failed to register with the appropriate agency for a license to collect on debt within MI. records from the MI Department of Licensing and Regulatory Affairs ( XXXX ) show neither a current license for Eastern Account Systems to collect on alleged debts in MI, nor shows they have ever been licensed to do such in MI. Therefore, Eastern Account Systems is hereby advised they have been turned over to Michigan Bureau of Professional Licensing under complaint Record XXXX. Moreover, copies of this information are being furnished to the Michigan Office of the Attorney General, the CT Office of the Attorney General, the US Attorney 's Office for the XXXX XXXX XXXX Michigan, the Michigan Department for Civil Rights, and the Federal Trad Commission As I am someone that holds or has held security clearances, should Eastern Account Systems attempt to contact me in any way moving forward, I will report their attempts at contact to the FBI. Any and all attempts to contact my family, friends, acquaintances, employers, etc. regarding this alleged debt will result in legal action and will be reported to the FBI.
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WV)

On XX/XX/XXXX and XXXX XXXX was taken from my bank account through cash app. A lady posted on XXXX a question and I answered then she ask if I had cash app and I said yes, next thing I know my money is gone, I'm overdraft, my XXXX account was hacked and I couldn't even get on it. They used my name to try and get other people to scam into cash app, they ask me for XXXX to get my XXXX back and they apologized for doing what they did to me on cash app and said if I would give them the code to get back onto my XXXX account they would give me my money back..this is why I think they are working with the cash app company. When I filed a XXXX there were so many people that had complained about the same thing happening to them and was always denied there money back..I 've been trying since XXXX to get my money back ..Even tried to fake being a XXXX XXXX to get a code to get back on my XXXX after it took me forever to get XXXX to shut it down XXXX I figured there must be something on there they needed to hide, I couldn't even get back on it because they had it set up somehow that my phone wouldn't receive the codes I needed..there 's more pictures but I can't find them, she said her name was XXXX XXXX but I'm sure it's fake
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I am the consumer, original creditor, and natural person. 

Pursuant to 15 USC 1681 ( a ) ( 4 ), Lexis Nexis infringed upon my right to privacy by publishing alleged negative information from third parties on my consumer report and sold it to XXXX, XXXX, XXXX, and XXXX. 
Pursuant to 15 USC 1681b ( a ) ( 2 ), Lexis Nexis never received written instructions from me, nor does it have permissible purpose to furnish a consumer report about my alleged credit accounts with XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX or XXXX. I also never provided Lexis Nexis with written instructions to furnish alleged inquiries on my consumer report for : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX