davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a XXXX XXXX  account and on the bank website they offer your credit score thru a portal called XXXX XXXX. I have check my score every week for the last couple of years. Over that time my score has gone up slowly 1 or 2 points here and there. This past week when I checked my score it had gone done by 64 points. I waited a week thinking there my be a problem with the bank website ( XXXX ). Then I checked all 3 of my Credit Reports ( XXXX, Experian and XXXX  ) and nothing has changed on my reports except that my loan balances have gone down each month as expected. I did not submit a loan application, I did not request a credit card, I did nothing different. The only changes in my life that happened in the past year is that I retired XX/XX/2021 and I change Car Insurance companies on XX/XX/2021. I wonder if there is/was a problem with XXXX XXXX and that maybe it had been reporting inaccurate information. Any information that you can provide into the reason for this drastic drop in my credit score would be greatly appreciated, Thank you and have a great weekend. 

P.S. My Life ( XXXX XXXX ) score drop by XXXX points at about the same time. 

Email address : XXXX or XXXX Cell # XXXX
Consumer complaint received 2019-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The Constitution Article I, section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. The Obligations of Contracts Clause, typically called simply the Contracts Clause, prohibits the states from interfering with private contracts. While the clause might be applied to many types of common business dealings today, the framers of the Constitution intended it mainly to protect contracts providing for the payments of debts. Under the weaker Articles of Confederation, the states were allowed to enact preferential laws forgiving the debts of particular individuals. The Contracts Clause also prohibits the states from issuing their own paper money or coins and requires the states to use only valid U.S. money gold and silver Coin to pay their debts. Article IV All Debts contracted and Engagements entered into, before the Adoption of this Constitution, shall be as valid against the United States under this Constitution, as under the Confederation. This  Constitution, and the Laws of the United States which shall be made in Pursuance thereof ; and all Treaties made, or which shall be made, under the Authority of the United States, shall be the supreme Law of the Land ; and the Judges in every State shall be bound thereby, any Thing in the Constitution or Laws of any State to the Contrary notwithstanding. The Senators and Representatives before mentioned, and the Members of the several State Legislatures, and all executive and judicial Officers, both of the United States and of the several States, shall be bound by Oath or Affirmation, to support this Constitution ; but no religious Test shall ever be required as a Qualification to any Office or public Trust under the United States. THERE FOR BY LAW THIS AGENCY CAN NOT DEMAND PAYMENT OF DEBT IN FEDERAL RESERVE NOTES. SEE : HOUSE JOINT RESOLUTION 192 73RD CONGRESS ON JUNE 5TH 1933 PUBLIC LAW 7310 STATES THE PASSAGE OF HOUSE JOINT RESOLUTION HJR-192 REMOVED THE ABILITY OF THE PUBLIC TO PAY DEBT WITH LAWFUL MONEY FOR THE PAYMENT OF DEBT WITH MONEY WAS REMOVED BY CONGRESS, THE LAW REQUIRED REMEDY.
Consumer complaint received 2019-10-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ALLY FINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

This evening on XX/XX/2022, I received a text message from Wells Fargo asking if I had made a purchase at XXXX for {$1.00}, and to call their customer service team if I did not make this authorization. 

I called and spoke with someone whose English was terrible. He couldnt speak English enough to understand the answers to my security questions ( or so he claimed ), and kept probing me for additional information that he again claimed was incorrect. The information I provided was correct. 

I got suspicious because the more he told me my answers were wrong, the more questions he was asking some of the questions are not pieces of information that I had ever provided to Wells Fargo. I am a fraud analyst, a certified fraud analyst. I know the interview questions and the laws and guidelines for fraud victims. I asked him at this point if he actually worked for Wells Fargo because his professionalism was terrible. He abruptly transferred me to someone else another person who did not speak English. This individual sat on the phone for a while pretending that he couldnt hear me and hung up. 

My card has been shut down. I doubt that Wells Fargo will reopen that card, which is going to hit my credit in a negative way. 

Being in the business, I know that Wells Fargo has been investigated by the CFPB for situations such as mine. 

What I found funny is that Wells Fargo did not attempt to forward this case to a fraud investigator or even show me any kind of humanity or compassion. I felt victimized by the bank who is insured to protect me. I dont even know if Wells Fargo did anything to protect my information because this appeared to be a breach on their end.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, Bank of America sent us a notice that they were revoking our credit and closing all my business and my personal bank accounts and credit cards. This is XXXX accounts total that they closed. We didn't receive any notice at all, we found out on Friday the XXXX, that it was closed when all our cards were declined and we got a notice via e-mail. 

Here 's the issue, I had banked up {$6300.00} in rewards. I know that their policy says that upon termination these rewards are null and void, but I don't think it was fair for them to close without any kind of notice. I could have used those to clear out those balances a bit before finding a new bank. 

As a practice, this seems suspect if we were in good standing, hadn't had any major issues recently and have had a relationship with them for about 20 years. I know they owe us nothing, this just seems a bit predatory. 

I contacted them multiple times on the XXXX and today the XXXX as I was overseas and all they could tell me are the dates when things were going to end. There was no leniency, explanation or flexibility given that this would massively impact my business and since I'm currently overseas on business, really forces my hand into another potentially bad situation because I don't have the time to come back and interview another bank appropriately.
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Several factors like recent past experience. Data Breach, Identity, Theft, Mortgage consumers, disadvantage or loss step 1. what happened, What is this complaint about Harasses, excessive force, XXXX XXXX, false arrests, the fabrication of evidence and the failure to keep from harm terrorized in every name business and personal and proper name. i have ever used, and under many names and accounts invasion under the court- system filed false statements causes the citizens to be terrorized victim of Portfolio Recovery Associates , LLC , the actions of a debt collector pursuing a consumer assumed debt. I have been Portfolio Recovery Associates INC not No license properly EIN/ IRS Tax ID Number/EIN Florida Business are harassment by third party debt collectors. Collector has violated the FDCPA, the collector in filed court case in court. violated the Fair Debt Collection Practices Act passed the statute of limitations in Florida. third-party collectors alleging unfair, Invasion, of privacy deceptive, and abusive debt collection acts and deceptive debt collection practices. Recovery submits that has passed the statute of limitations in Florida to the court or incomplete documents commit fraud copied information and pasted partial accounts to XXXX and senior citizens. Step 2 :  Often, harassing phone calls, then letters and now In the lawsuit Stolen personal information to commit XXXX. The documents letters that Portfolio Recovery mails or submits to the court or produces in discovery are scam claiming I owe Credit debt of incomplete documents copied information. unknown accounts. or don't prove the debt belongs to the person being sued collection agencies suing credit card owners who have defaulted on their debt No way of known How they invade every area of a person creditability. Without producing an in discovery uses Clerks to file are incomplete case and uses services and or don't prove the debt belongs to the person before being sued.in court practices. What type of problem are you having unauthorized personal information under created fabricated accounts don't prove the debt belongs to the me or person being sued. Step 3 : What happened Attorneys file violations of the Fair Debt Collection Practices Act ( FDCPA ), new accounts including improper contact sharing of information. Partial account of stolen information on its own authority. The federal legislation thats supposed to regulate the debt collection industry. They can took over or even open new accounts, Step 4 : What company is this complaint about someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception or inaccurate debt postings with credit reporting agencies, Step 5 : Who are the people involved not sure of the Object Constancy,
Consumer complaint received 2022-09-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pollack & Rosen, P.A. (FL)

Pollack and Rosen P.A. on XX/XX/XXXX claim to have mailed an Affidavit of Amount Due to me which included a claim of default of payment. This AOD never arrived at my address and a Final Judgement for Payment and Fact Information sheet was ordered in favor of Pollack and Rosen P.A.. I was shocked when I received this Final Judgment and FIS on XX/XX/XXXX. Pollack and Rosen P.A. has been notified several times by me from XX/XX/XXXX- XX/XX/XXXX that they made mistakes and asked to correct the mistake, and amount with the courts, or send me the date of the allegid default. I was not in default and the amount Pollack and Rosen is asking for is more than I owe. I make/made my payments No default exhists, that the A.O.D. never arrived to my address and was never scheduled for delivery. I was unaware of this new court action. Pollack and Rosen P.A. has not responded to any communication from me, and because of no response I was Forced under stress and duress to Pay {$440.00} within 45 days or return the Fact Information sheet which required I provide under oath the social security numbers and birth dates of myself and spouse, the names and address of my children, ALL finacial accounts including spouses ( who never had a connection to the credit card ). with account numbers, auto titles, property deeds, names and addresses of anyone I sold items to of {$100.00}. or more and names and addresses of anyone who owed money to me. This FIS is extream asking for public and non public private information and on an amount under {$500.00} and in my personal oppinion an invasion of privacy and questionable what is done with this information since the information would have no gurantee of protection. At the moment defamation of my charcter and unfair dept collection practices seem reasonable. Pollack and Rosen P.A. intent in my eyes since they have been advised several times of the mistake and asked to correct their mistake seems clear to me. The intent is not a mistake and appears to me to unfairly collect money or personal non public very detailed financial information by way of missing mail, order of FIS return or pay Final Judgement, and breech of court agreement ( Order Directing Payments XX/XX/XXXX ) by forcing me to pay all now instead of the court ordered monthly payment and asking for more than I owe. I paid what was owed. Personallyl I would like the {$440.00} returned to me and I resume the court ordered payments as Described in the Order Directing Payments XX/XX/XXXX and the court records corrected to show no default.
Consumer complaint received 2022-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As my previous complaint # XXXX stated XXXX XXXX XXXX  is still unlawfully furnishing a charge off on my consumer report with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. There is no where under the Fair Credit Reporting act requiring a financial institution to furnish negative information to a consumer report. This has been Causing me great harm and XXXX. I now have reason to believe that XXXX XXXX XXXX is using extortionate means on a extensions of credit which is a violation pursuant to 18 USC 892. My Privacy rights as a consumer are protected under the Gramm-Leech Billey Act. I Ask that XXXX XXXX XXXX immediately stop the reporting of a charge off to all 3 consumer report agencies this includes : XXXX, XXXX, and TRANSUNION. You will up date my consumer report reflecting the collection removed and updated to my report as Paid as agreed. Original assumed Creditor : XXXX XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX has violated my Consumer rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 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 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Your failure to comply with my instructions will result in civil liability for fraud Pursuant to 15 U.S. Code 1640
Consumer complaint received 2022-09-12
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. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2022-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is NOT a duplicate complaint. I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act *XXXX XXXX XXXX account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states 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 end consumer credit plan as late for any purpose. I am not a third party I am representing myself. Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. The account status is DIFFERENT with all three credit bureaus. The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. And again... all of this is PROVEN in the file attached to this complaint.
Consumer complaint received 2019-10-24
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-09-12
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: Convergent Resources, Inc. (LA)

On XX/XX/2022, Convergent Outsourcing made a soft inquiry on my XXXX credit report without my authorization, permission and/or permissible purpose. I do not and have never had an account or any business with Convergent Outsourcing. Nor have I even given Convergent Outsourcing permission to obtain/pull my credit report in any manner, whether a hard or soft inquiry, Convergent Outsourcing had absolutely no permission nor authorization or permissible purporse to pull and/or obtain my credit report from XXXX or any other credit reporting agency/company. This is a clear violation of 15 U.S.Code 1681b and illegal.
Consumer complaint received 2023-04-02
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)

I reviewed my consumer reports and noticed that I had 5 late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility with maximum accuracy. I have never been late on payments for the account : XXXX XXXX XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks YOU!
Consumer complaint received 2022-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Recovery Services, LLC (GA)

Hello I have a debt from receivable recovery collection agency and I have no idea who they are or how I owe them. I never signed anything with this company to purchase anything with them. I have no type of contracts with these people! Please remove this from my credit report. It's false info. Again I never signed any contracts with this company.
Consumer complaint received 2022-10-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

I have tried contacting the bank on several occasions, only to reach a voicemail. I leave messages for someone to contact me, but never hear back. This bank needs to return the fees they have taken. There are senior citizens and people living paycheck to paycheck & they continue to rob people out of outrageous fees. They owe me several {$35.00} fees and several fees from not being able to use their atm. If someone has an emergency, they are refusing to allow you to access money. They have an excuse that it's @ the banks " discretion " and they can't do anything about it. I'm tired, as I'm sure others are of hearing excuse after excuse.
Consumer complaint received 2022-09-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX I received an alert saying a new credit inquiry was noticed on my XXXX report, when I looked into it, it appears to be a new account opening inquiry from Bank of America. I did not initiate anything new, so I am assuming this is a fraudulent activity which could be a result of identify theft. I did call XXXX and have added alert monitoring and will be XXXX Bank of America.