davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. ()

It has recently come to my attention that the XXXX, & the XXXX, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " XXXXXXXX XXXX '', which is the all caps version of my XXXX name which is in fact a XXXX previnusly associated with a " public office '' in the United States XXXX  by virtue of the Social Security XXXX attached to it. Further information is to help clear up any presumptions and set the record straight. 

Use of Trade Name Material Name : Under Protest and duress {$25000.00} ANY DOCUMENT PRODUCED BY ME ; {$10000.00} TRESSPASS/FAILURE TO ACT XXXX TO HONOR XXXX GIVEN RIGHTS {$20000.00} XXXX {$5000.00} XXXX HONOR/NO BOND {$5000.00} XXXX XXXX XXXX ADDRESS {$5000.00} XXXX TO FOLLOW FEDERAL AND / OR STATE STATUES, CODES, RULES OR XXXX {$50000.00} XXXX TO PRESENT A INJURED PARTY {$100000.00} XXXX PER OCCURRENCE AND INCLUDES ANY XXXX PARTY {>= $1,000,000} XXXX IN COMMERCE PER OCCURRENCE AND INCLUDES XXXX PARTY DEFENDANT {>= $1,000,000} XXXX EXTORTION OF FUNDS FROM BIRTH CERTIFICATES ACCOUNTS, XXXX ACCOUNTS OR OTHER ASSOCIATED ACCOUNTS BY FRAUD DECEPTION, FORGERY BY ANY AGENT ENTITY OR CORPORATION PER COUNT OR CHARGE. {>= $1,000,000} SHARING CREDIT HISTORY WITHOUT WRITTEN CONSENT : UNLAWFUL SEARCH WITHOUT A XXXX AMENDMENT WARRANT. VIOLATION OF THE XXXX AMENDMENT RIGHT TO PRIVACY ; ESPECIALLY OF PAPERS!!!!!!!!!!
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (CO)

Hello, on the FirstAdvantage background check a variety of things seem to be incorrect. The XXXX i'm applying for is in Colorado not XXXX florida, and the criminal record on file is for a XXXX XXXX XXXX, my name is XXXX XXXX XXXX, and do not have a record of any criminal activity and have never even been to the DC area. I would ask that this issue gets fixed as soon as possible please.
Consumer complaint received 2022-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

I just downloaded and registered for Venmo. I received my first transfer of money from a trusted source. She tries to send me more money for cleaning services but it shows " error and transaction could not be completed '' I also tried to link my bank account so i can transfer what was sent to me previously, but Venmo FROZE my account because of violation of user agreement. i called support and they told me they were not authorized to explain to why.Which doesn't make sense. How can i prevent this from happening again if I don't know what i did in the first place to have my account frozen? Very very frustrating!
Consumer complaint received 2022-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (LA)

I request Validation of the alleged debt however information was not provided that included a breakdown of the debt amount, whether or not the alleged debt is within the Statute of Limitations for my state, my physical or digital signature, the address information of the original creditor, as well as proof that the collection agency XXXX XXXX XXXX has the authority to try and collect this alleged debt from me.
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Pursuant to 15 USC 1692c ( b ) Transworld System INC is in clear violation of communication practices. Cease reporting to all consumer reporting agencies immediately. Third-Party is anyone that is not immediately associated with your company or myself. 


Failure to remove the account, subjects ARS to criminal liability for willful and knowing violation of federal law. 
15 USC 1611
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I checked my credit report last month ( XX/XX/2022 ) and noticed that Experian listed XXXX inaccurate addresses on my credit report. In the last year, I have been involved in three identity theft cases involving data breaches AND I have had my personal identifiable information show up on the dark web twice in 2022 alone! I have placed a fraud alert on all three credit bureaus. On XX/XX/2022, I sent a certified letter to Experian requesting that all addresses ( with the exception of the address on my driver 's license ( which I sent a copy of with the letter ) ) be removed because, not only are they inaccurate, I am also a victim of identity theft. 

On XX/XX/2022, Experian received my certified letter. On XX/XX/2022, Experian placed online disputes for every incorrect address. To follow up with this, I called Experian and spoke with a representative about the XXXX inaccurate addresses. This representative removed all but XXXX inaccurate addresses and stated that these XXXX wrong addresses could NOT be removed because they are associated with XXXX old and closed accounts on my credit report. I explained that these addresses are NOT accurate and need to be removed, but she refused and suggested that I reach out to the old creditors and request that they update my current address to my credit report. Please understand that these are old and closed accounts that are no longer reporting to my credit reports. 

I asked that she email me or send me a postal letter explaining why these XXXX inaccurate addresses could not be removed, but she refused and stated she could not send this information in writing. 

The only address that should report on my credit report is the one that matches my driver 's license. I am requesting that Experian remove ALL other addresses. Keeping inaccurate information on my credit report keeps me at jeopardy for identity theft.
Consumer complaint received 2022-06-07
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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
Consumer complaint received 2022-06-07
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. (GA)

This company is showing that i have a late payment and i have never had a late payment with them Also this company has dropped my credit score XXXX points I have never had a late payment before in my life and need this removed immediately
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (OR)

XX/XX/XXXX Started Forbearance due to COVID. End of XXXX started process for a loan modification. Loan mod was excepted and a 3 month Trial Plan Agreement was set up for XXXX, XXXX and XXXX of XXXX of {$2400.00}. All XXXX payments were made timely. Paper work for the new agreement was sent to me. I signed and sent pack with a notary 's signature. XX/XX/XXXX first payment on the new loan agreement was made on XX/XX/XXXX for the NEW mortgage payment of {$2300.00}. On XX/XX/XXXX I called to make my second payment of the new loan when I was told that my new loan was rejected due to the notary 's signature not being approved by the lender. I never received any correspondence from the lender of the signature rejection. I still made the second payment of {$2300.00} on that day but was out of town ( XXXX XXXX was a Friday ) due to a death in the family and was unable to receive and re-sign new loan docs with a notary. I had to wait until I returned home ( Monday, XXXX XXXX ) to contact the lender again about my options. Again, no correspondence or any time had been sent to me explaining the rejection. When I called back the lender said my first loan mod was void and I had to start all over again. So I filled out another loan modification in XX/XX/XXXX and waited to hear from the lender on their decision. XXXX went by and I heard nothing. XX/XX/XXXX came and I called, again nothing. XX/XX/XXXX I called and was told to watch for something to come in the mail and nothing did. Called beginning of XX/XX/XXXX and requested the whatever info to be emailed because I never received anything in the mail still. When I was on the phone with the lender he made the comment when looking at my file that he confirmed nothing had ever been sent still. XX/XX/XXXX the first letter came from the lender dated XX/XX/XXXX saying my loan mod was approved and my trial payments are for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of {$2500.00}. I made the first payment on XX/XX/XXXX but was unable to come up with the funds to cover XXXX with the timing of the notice. At that point I contacted my local Housing Authorities and Legal Aid. Legal Aid informed me that I do have a case on XXXX counts but I would have to hire a lawyer. I do not have funds to do that. My husband has struggled for the past year and a half with LONG Haulers due to contracting COVID-19 between his first and second immunizations. He has been unable to work because of his symptoms and a difficult school schedule with our children, also due to covid. I lost my second job that I made approximately {$20000.00} a year due to COVID. That loss is now permanent. I am not able to replace it with a new second job with the schedule of my primary salaried job.
Consumer complaint received 2022-06-07
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. (TN)

Multiple fraudulent credit inquiries using my name and social security number were made to different banks including XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX. They were made in XXXX and XX/XX/2022. I have contacted Experian to have these credit inquiries removed.
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (NV)

Please be advised that these following items are Unauthorized Inquiries and are showing on my credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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 already reached out to the Credit Bureaus but no changes has been made and these inquiries are hurting my credit.
Consumer complaint received 2023-04-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: VALLEY NATIONAL BANCORP (NJ)

Hello, on XX/XX/XXXX the joint checking account I hold with my wife at Valley National Bank ( XXXX, NJ ) was assessed a {$15.00} service charge. Although I get over {$1000.00} of direct deposit twice a month at Valley Bank, my balance at the end of XXXX was only {$1.00}. Since there was only {$1.00} in the account at the time of the service charge, my account balance went negative and my XXXX account statement reflected my balance as being in the red by {$14.00}. 

A few days into the month of XXXX, I logged into my online account and noticed the negative {$14.00} balance. As soon as I became aware of the negative balance, I called the XXXX number and spoke with a representative to learn more- I was not expecting a service charge, and I wanted to understand the service charge rules to avoid incurring these fees in future months. I also realized that I needed to quickly restore the negative balance, so on XX/XX/XXXX I transferred {$110.00} to the account from a savings account at a different bank. 

The representative explained that since my balance held less than {$100.00} on the last day of the month, the service charge was assessed. I informed her that I was immediately moving funds into the account so that the account would no longer reflect a negative balance and I also asked for and received a one-time courtesy waiver of the service charge. 

HOWEVER, THE ACCOUNT WAS ASSESSED A SECOND SERVICE CHARGE FOR {$15.00} ON XX/XX/XXXX. 

WHEN I CALLED THE XXXX NUMBER THIS TIME, THE REPRESENTATIVE EXPLAINED THAT IF AT ANY TIME DURING THE MONTH MY BALANCE FALLS BELOW {$100.00}, THE ACCOUNT WILL BE ASSESSED A SERVICE CHARGE. 

SO ESSENTIALLY, AS THE CALENDAR ROLLED MY NEGATIVE BALANCE ( THE ONLY REASON IT WAS NEGATIVE WAS DUE TO THE SERVICE CHARGE ) FROM XXXX TO XXXX, THE ACCOUNT WAS SET TO BE PENALIZED WITH A SECOND CONSECTUIVE MONTHLY SERVICE CHARGE. 

There was ABSOLUTELY NOTHING I could do to prevent this second charge from tacking to my account. 

I find this practice to be highly egregious and I would like to request a waiver of this second service charge, but more importantly, draw attention and raise awareness about this deceptively malicious bank service charge structure. Thank you.
Consumer complaint received 2022-09-22
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: Mercedes Benz Financial Services (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : MB FIN SVCS XXXX Date Opened : XXXX Balance : {$26000.00}
Consumer complaint received 2022-06-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (SC)

Several issues in dealing with Planet Home Mortgage. In XX/XX/2022, apparently I received a letter stating that I was short in escrow. I didn't receive this letter ( rightly so with the low staffing and issues around mail ). A few months later, I got calls saying that we were short because I never paid the short fall from the escrow shortage so my monthly payment went up ( which I didn't know ) and only paid my previous monthly payment. I was short a XXXX XXXX XXXX dollars. I ended up paying the balance shortage and I was told by a manager that my payment will go back down. She requested a tax audit to review this and I would hear back soon. I got a bill in XXXX stating my XXXX payment even went higher. HOW? SO I called and the technician could not figure out why so he was going to have someone call me back. It is now XXXX and I haven't heard anything and my payment is higher than it was before the escrow shortage increase after I paid over $ XXXX to decrease that. Last week I learned something that Planet Home apparently has been paying 2 insurance companies which caused my escrow to fall short ( my insurance that i authorized was XXXX ). They were paying XXXX and randomly XXXX XXXX was sending them bills and they were also paying for that as well. so no one raised a flag on why for 2 years they were making 2 insurance payments to two different companies. Now I've been charged several late fees and still have a high monthly amount and now I have to fight with XXXX XXXX  to return 2 years of insurance payments when I NEVER authorized them to take over. Planet Home Mortgage has been nothing but issues since the refinance and someone at the highest level needs to see the horrible things that have happened and the several late fees that they have charged because of their incompetence.
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX and XXXX XXXX XXXX Acct # 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
Consumer complaint received 2022-06-28
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: CARRINGTON MORTGAGE SERVICES, LLC (FL)

In 2017 we had a forberance agreement in which XXXX added two payments on the end of our loan in the mean time Carrington Mtg bought the loan and XXXX went out of business. We are trying to get a new mortgage with XXXX XXXX and they are telling us that on the credit report they are seeing a modification with Carrington which we never had and can not finish up the refinance until this is removed from our credit report in the mean time the rates just keep going up. We both have contacted Carrington Mtg and they just keep saying we do not owe anything but can not produce an agreement and will not remove from our credit report.
Consumer complaint received 2022-06-28
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. (LA)

I have notified Experian about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXX XXXX XXXX, XX/XX/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 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Experian reported these inquires are not on my report, when in fact THEY ARE & THEY SHOULD BE REMOVED IMMEDIATELY.
Consumer complaint received 2022-06-07
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX Acct # 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
Consumer complaint received 2023-02-19
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)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-28
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)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated, but how is that possible when they didn't do a proper investigation. This is grounds for removal. 

They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy 15.U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I did not give anybody written instructions.
Consumer complaint received 2022-06-07
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. (GA)

In accordance with the fair credit reporter act XXXX  account number XXXX BANKRUPTCY COURT-XXXX  XXXX, XXXX DPT TREASURY, inquiries XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX has violated my rights. 15 USC 1681 Sec 602-8 states that I have the right to privacy. 15 USC 1681section 604-a section 2. i also states a consumer reporting agency can not furnish your account without my written instructions