davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy on my consumer report that you publish. My consumer report still contains the unverified account indicated below, which is in violation of law. 
XXXX XXXX XXXX, Account Number XXXX A consumer reporting agency must include all truth, fairness, and correct information on a consumer report in accordance with 15 USC 1681 ( a ). To guarantee that the reported information is accurate, several measures must be done. 

Your inability to comply with my SECOND WRITTEN REQUEST to terminate the disputed account that you can not verify within 30 days further demonstrates your willful disregard for federal law. Please send me a copy of a revised and updated CONSUMER FILE that demonstrates that this business ' tradelines are being verified or are being immediately removed.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

I applied for credit with American Express in good faith with the intention of getting a credit card. But American Express took my social security card ( the true credit card ) used it and I received no benefit. By me not receiving no benefit American Express committed fraudulent activity ( unauthorized use of a credit card.
Consumer complaint received 2023-01-26
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX, ( XXXX XXXX XXXX ) 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 instructions
Consumer complaint received 2023-01-02
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: ALLIANT CREDIT UNION (FL)

I have several unauthorized inquiries that i have no knowledge of reporting to the credit agencies. i reached out to the companies and none of them would help me with removing the hard inquires off my report even after explaining this is a case of fraud. i did not sign, authorize or have any recognition of doing any legitimate business with any of these companies. 

INQUIRES ON XXXX XXXX : XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022 ALLIANT CU Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX INQUIRES ON XXXXXXXX : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 INQUIRIES ON XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022
Consumer complaint received 2022-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (KY)

Professional finance.com keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX. 
When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
Consumer complaint received 2022-12-09
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: Jon Barry and Associates, Inc. (NC)

I received an alert around XX/XX/XXXX, XXXX there was a collection on my XXXX report that does not belong to me. I submitted a dispute online. XXXX wrote be back and said they verified the items belongs to me. I have also written the Paragon company as well and asked them to delete this information because i have never had any account with this company. XXXX continue stop report in accurate false information on my credit file and i want hen to delete this information immediately and stop playing with my credit file.
Consumer complaint received 2022-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

I filed a complaint before threw CFPB. they presented paperwork that have an address that's not mine never have I resided there or been associated with, which is fraud!! 

They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!!

They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

Neither myself nor mortgage lenders are able to access my EQUIFAX report. They are stating inconsistencies with my address as the reason. I live in an apartment complex that does not have mail service. Because of this, I receive my mail at a po box . I have contacted the company on 5 separate occasions spanning 4 months and each time I have received a different response. I have submitted the requested documents to verify identity and address but am still unable to access my report.
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc. (CT)

XXXX has submitted a balance owed on me account to McCarthy, Burgess & Wolff XXXX XXXX XXXX XXXX, OH XXXX Main : XXXX - I have requested in writing a settlement offer on my account to close this out. I have not gotten any written communication on this matter. 
As I mentioned, according to your website, we should always get something in writing before making a move. 
As of today, {$580.00} was the settlement offer provided. I requested something in writing and nothing was provided. I was told by the collection caller, I need to pay first and then a letter would be released. I want a letter now - then I will settle my account.
Consumer complaint received 2022-10-13
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: SYNCHRONY FINANCIAL (MO)

These Financial Intuition are furnishing my information without my consent. They are in violation of Gramm-Leach Bliley Act in addition to TILA under Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant.

15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. 
( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Is your company following the requirements of the Privacy Rule? 

Before, ANY response is made " There is no LAW that states that a company must report to a non-affiliated consumer agency '' I have a Right to Privacy & without following these proper guidelines under federal jurisdictions this is indeed Identity Theft & Fraudulent activity. Furnishing information without my consent is liable for a civil lawsuit, damages & fines for each violation.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

Comenity Bank ( Bread Financial ) has not reported to credit agencies since XXXX. My last reported balance was nearly {$1200.00} and my current balance is XXXX. This is negatively impacting my credit score.
Consumer complaint received 2022-10-13
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. (GA)

I have reach out, mailed, called FED-retail along with the Credit bureaus ( Experian XXXX XXXX XXXX ) to remove all late payment. As I was never late on a payment. Nor did I give them permission to share any of this information with anyone! They are in direct violation of the credit laws listed below. 

15 US CODE 1681 ( a ) ( 4 ) Consumers right to privacy. I did not give you permission to post anything about my personal financial information for the whole world to see. 
15 US CODE 6802 ( b ) 1 ( a ) b ( c ) Obligations with respect to personal information. By law you are to disclose that you will be sharing my personal information. You did not disclose the fact to me whether written or otherwise that you were going to report my personal information. This is a MAJOR violation of my consumer rights. 
15US CODE 1681a My consumer report should not include transactions between the consumer and the person making the report Your report is clearly showing transaction between myself and the persons the fact that you are reporting accounts with and late payments and balances etc clearly shows you are in violation of this law. 
15 U.S CODE 1681b I am the original creditor and as such being born a natrual person I am the only one who has the right to extend credit. Therefore the use of any information to extend credit to me without permission is a blatant violation 15 US CODE 1666b. -Timing of payments : Nowhere in the TILA, FCRA XXXX FDCPA does it mention a late payment, but you are posting late payments to my credit report. You are being very inaccurate and devious. You are breaking FCRA laws.
Consumer complaint received 2024-12-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (CA)

On XX/XX/year>, I reviewed my bank accounts and noticed an unauthorized withdrawal of {$2600.00} from my savings account on XX/XX/year>. The transaction was labeled as a teller withdrawal conducted inside the BMO Bank branch located at XXXX XXXX XXXX, XXXX XXXX, California. 

When I contacted the bank, they informed me that the withdrawal was made with a debit card and PIN and claimed there was nothing they could do. I immediately clarified that I did not make this withdrawal and requested a review of the security footage and the initiation of a fraud investigation. 

XX/XX/year> : The bank filed an investigation claim. 
XX/XX/year> : I visited the branch for an update, but they had no information or progress to share. 
XX/XX/year> : I spoke with the branch Vice President, who stated that because the transaction involved a debit card and PIN, it was unlikely I would be reimbursed. 
XX/XX/year> : I filed another investigation claim and again spoke with the VP. He informed me that while a report was filed, there was no case number. When I asked about camera footage from XX/XX/XXXX, he revealed that the branch 's cameras were not operational that day. 
Since then, I have been given inconsistent information and excuses with no resolution in sight. To date, I have not received reimbursement or clarity regarding how this unauthorized transaction occurred. It is highly concerning that the branch cameras were conveniently nonfunctional, leaving me without critical evidence. I continue to face delays and deflections, leaving me out {$2600.00} and deeply dissatisfied with how BMO Bank has handled this matter.
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Due to prior problems I setup AUTO pay with Freedom Mortgage. Every XXXX of month they ACH deduct my mortgage from my account. My XX/XX/2022 payment was deducted as usual. On XX/XX/2022 i received a credit back from Freedom Mortgage for the amount of the payment ( although it took time to research who it was ). I could not contact the company via website or phone, there sytem was busy and my login for the website said my loan servicing had been transferred. 

I never received any letter stating this would happen. And it was not on the website as of me investigating as of XXXX. I left several messages no answer. 

Subsequently i starting recieiving debt collecting calls from XXXXXXXX XXXX. I refused the first thinking it was fraud. I spent multiple hours on the phone " verify '' information. The tone of the calls was I didnt pay my mortgage when i had. 
Freedom mortgages letter states it would foward any payments after XX/XX/XXXX. But my payment was XX/XX/XXXX. It was sent back to me. 

Freedom mortgage didnt inform me of the transfer, it violated its own letter by sending the money back to me earlier than the later stated. This whole situation took many valuable hours as I work nights in healthcare. 
XXXX says they are hearing many complaints about Freedom with the same basic information. Freedom is not informing customers of changes in a timely fashion and RETURNING legal payments they have after they have cleared for days. 

XXXX has me down as late paying, even though Freedom processed the payment. And it will take weeks to be ashured i wont have a mark on my credit. 
People who pay their bills ontime shouldnt have to spend hours on the phone to research where there mortgage is sold to. And have to deal with the Former company witholding and diverting payments after made, and treat the people who paid ON TIME as if they didnt. Money was removed from bank on XXXX, it cleared then on XX/XX/XXXX a ACH was sent back to me refunding it. They never notified the new bank that I had paid on XXXX. The new bank XXXX made multiple calls to my work and home. Stating i have not paid my mortgage.
Consumer complaint received 2022-09-27
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. (OH)

In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

remove negative accounts From Experian. 

Both medical accounts are fraudulent. 

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

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It 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.
Consumer complaint received 2022-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP (OH)

On XX/XX/XXXX us bank took all that I had and left me homeless stranded in Florida during hurricane Ian. I am Without food. I have been diagnosed with XXXXXXXX XXXX XXXX XXXX 1 year ago. I have an attorney. They took my money from my XXXX checking account. When I contacted XXXX  they would not help. They said it was a letter of intent. I needed to call us bank. XXXX new it was fraud yet still did nothing to help me. They keep telling me they will give me proof of the letter of intent. However IXXXXstill never received a copy and they closed my case without any help. I have been discharged from bankruptcy and no longer owe us bank a cent. I had proof of such. With a court ordered letter. However, XXXX Ignored me. Even knowing my condition. I contacted us bank. Us bank Then told me because I have an attorney they wont talk to me about my account. My attorney contacted them via email and called. They have not contacted him back till this day. My attorney can not work for free. Us bank has put me in a very bad place. I hope this doesnt not kill me!! Please help Im currently without a residence. Completely bankrupt and suffer from XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (WA)

I sent XXXX 's friend to XXXX {$500.00} a month ago, but he can't get it. I need a number to return them. My friend can't get money. He gets the message : transaction rejected. It used to be easier when I called and they gave me a number for a return receipt, since I paid in cash. I have not been able to get my money back from Western Union for a month.
Consumer complaint received 2022-10-13
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. (CA)

This is in reference to the consumer report sent by your company via electronic form through Equifax, XXXX and XXXX. While checking the above report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ) the term XXXX means that conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 


Thank you for your cooperation
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2022-10-13
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. (PA)

I filed a complaint against Experian ( complaint ID XXXX ) to show proof of their verification process concerning this issue ( Identification number XXXX ) on my credit report. They didn't show any proof of how they obtained this information. They only sent me my credit report saying that it is verified. There's no information for me to contact the furnisher of this information. I tried contacting the court and i didn't receive a response. I sent a certified letter with a self address envelope for them to send me information about this issue. Can you please have them show proof of how they obtained this information. This is the courts address, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. If the courts verified that this belongs to me then please let me know how you reached them so I can address this situation. If Experian can't provide updated proof that the courts reported this information to them, and how they contacted them. Then please remove it from my credit report.