davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-09
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: T.S. Holdings (NC)

This creditor IQ DATA INTERNATIONAL is still violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, this company sent me paperwork from a company they represent with a forged signature, I do not owe IQ DATA INTERNATIONAL Any Money and I demand that they provide actual validation with my WRITTEN CONSENT, I also demand a copy of the contract binding both parties ( IQ DATA & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, ALSO IF SUCH CAN NOT BE PROVIDED I DEMAND IQ DATA INTERNATIONAL TO BE PERMANENTLY REMOVED, DELETED FROM MY CREDIT REPORT I also demand a response from IQ DATA within 5 days as listed in the terms of the the consumer book! kind regards!
Consumer complaint received 2022-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MD)

Not sure what kind of service I received requested information and never obtain it. Asked agency to provide Original contract with my signature.

Full history from the original creditor Name and address of the original creditor Contract that the have been assign to collect Or proff of debit purchase. Never received this information.
Consumer complaint received 2019-03-26
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. (PA)

I disputed the same account on my credit file three times, because it was fraud due to identity theft. Someone has been using my credit on and off for over 7 years. Equifax investigated it but did not remove it, saying that it belongs to me, but did not give any reasons or any proof. There are no reasons, because under [ 15 U.S.C. 1681c-2 ] : (  A ) the information was not blocked in error and a block was not requested by the consumer in error ; ( B ) the information was not blocked, or requested to be blocked by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; ( C ) the consumer did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions. 

I filed a complaint against them for not removing the account with the CFPB- COMPLAINT ID XXXX on XX/XX/2019. Equifax re-investigated the account, and just came with the same conclusion that it belongs to me. With no evidence or reason. I have had enough, and am ready to bring my own civil action against this company for violation of section 607 ( b ), if it is not removed within the next 14 business days.
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

To Whom It May Concern, I have been having issues with Wells Fargo bank since XX/XX/2022. It started when transactions would hard port, fall off and come back and hard post again and then I would incur over draft fees. This continued to happen with multiple charges and I had to end up using most of my paycheck one week to pay back what was said over drafted. I always make sure the funds are there to cover my charges. I even transfer from account to account within Wells Fargo and I end of being charged over draft fees for that because it was said it wasn't posted. How can that be when it is in house? I have 4 accounts with Wells Fargo. This has been continuously happening with all 3 checking accounts with them. I have had about 3 escalations and have gotten correspondence on 2 of them. I have also been scammed out of {$1500.00} through using XXXX XXXX  with Wells Fargo and I opened 2 separate claims with Wells Fargo and was told there is nothing they can do. I spoke with XXXX a few times and they advised to contact Wells Fargo about getting my money back. I have yet to get anything back and was basically told oh well you will not be able to get your {$1500.00} back. This was sent from 2 of my checking accounts for a service I was suppose to get for a home and never got the service. The only thing that was done was the other party 's XXXX account was shut down. I need some type of resolution on these issues please. I have lost thousands of dollars within the last 3 months.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In Accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX Account XXXX has violated my rights. 
In Accordance with the Fair Credit Act : XXXX Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  account XXXX has violated my rights. 

USC 15 1681 section 602A States I have the rights to privacy.

USC 15 7681 section 604A section 2 Italso states a consumer reporting agency can not furnish an account without my witten instruction.
Consumer complaint received 2022-04-21
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. (TN)

In accordance with the Fair Credit Reporting act 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 2021-08-06
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN HONDA FINANCE CORP (CA)

End of lease, made last payment and they stopped reporting to credit companys and removed the account all together. 

Therefore causing inability to purchase my lease buyout due to this missing three year tradeline. 

To resolve this matter I reached out to the finance company to have my auto tradeline reinstated. I was then advised that the finance team would submit the request to be updated on both leasees credit report within 7 days if it is not we can do a lease extension. She advised to call back in 1 week.

5 days later, I received a pick up/hang up from the finance department. Moment later got an automated message stating theyre trying to contact me and to return their call. I called them back that moment and I was then inquired about my decision with the car but I had already advised them 5 days prior that I planned to retain the vehicle. At this point financed advised me that in order to retain my vehicle I would be required to pay last months and future months car payment in addition to fees claimed I incurred with my account being frozen totaling approximately XXXX. In order to resolve the matter I offered last months payment plus {$100.00} in fees. XXXX after making said payments I was then told there was another error and I actually owed over {$800.00}. To which she responded that she made an error and that over {$800.00} was due. As of today my account reflects the {$500.00} payment however I have a new balance of {$720.00}. With the balance of {$800.00} like she had mentioned after making my {$500.00} payment my balance should be {$300.00} but it states I now owe {$720.00}. 

At this point in time the credit reporting agencies were still not reflective of this my three year history on this tradeline. My goal in reaching out for assistance is simply to have both mine and my fiancs credit reports updated and to retain my vehicle at the contracted price without all the additional fees being claimed I owe.
Consumer complaint received 2022-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERFIRST MORTGAGE COMPANY (FL)

I have received multiple mailing from this bank, each time I submitted the requested information and then call to verify that everything is ok. They keep emailing me with different excuses and pushing to buy an insurance policy on my behalf which then gets clarified after I call them. 

Couple weeks ago I called them and after over 30 minutes reviewing my information the agent said that I was " good to go and that there was no need to be worried about them buying a policy because all my docs/ proof were fine ''. 

I was charged for an insurance policy still. When I called again ( XX/XX/XXXX ) they said that there was a lapse in coverage from XXXX XXXX XXXX  which doesn't even match their last communication. 

After asking the agent to check the notes from my previous call she said that " there still a period without coverage '' I mentioned that all docs shows that its not the case and when asked her to escalate this to a supervisor she hanged up. 

This is an illegal practice and this bank is taking advantage of the insurance excuse to make money out of consumers. I provided ALL PROOFS of coverage and they still bough a policy. 

PLEASE investigate this illegal practice, demand the FULL REFUND of the illegally purchased policy and have them fined for trying to take advantage from borrowers. 

Misleading Letter and easy to read/ find proof of insurance purchased attached ( page 5 on the second attachment and page 7 on the third )
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC. 

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 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 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, 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 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to reach out to XXXX XXXX XXXX several times requesting them to provide me with an interest disclosure and a break down of how the interest is being accumulated on my credit report after several requests they refuse to disclose this information so I am under the suspicion that they may be charging more interest than legally allowed based on the contract they purchased from XXXX. 

I have requested this information XX/XX/2021, XX/XX/2021, and XXXX XXXX. 

The balances reported on my credit report are also reporting inaccurately which I have contested several times without response. I have seen a change in balance since I settled with XXXX XXXX XXXX in court however the balance reflected is still reporting inaccurately whenever I contact this company by phone the representatives hang up on my immediately when I ask for a detailed billing history.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/XXXX communication with TRANSUNION credit bureau via online dispute and phone call regarding XXXX XXXX XXXX account DISPLAYING information that has not been updated since XX/XX/XXXX. XXXX accounts are currently closed and paid in full. Loans consolidated with XXXX XXXX.
Consumer complaint received 2022-04-21
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. (MA)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the XXXX ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Consumer complaint received 2022-07-17
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)

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type account status payment status last payment term length the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-12
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. (CA)

The following creditors, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX are reporting to my credit file a fradulent account that was opened without my permission or consent. The address they have on file for me doesn't even correlate with my home address.I am a victim of identity fraud, I have filed an FTC report, XXXX XXXX XXXX Report, and filed a police report. I am demanding the following listed lenders to update my credit report within 30 days of receiving this or I will pursue more legal action to file law suit under fair credit reporting act. Furthermore both of the accounts opened with the creditors above have then been sent over to a collection agency under the name of XXXX XXXX XXXXI demand XXXX XXXX XXXX to IMMEDIATELY REMOVE THE 2 COLLECTION ACCOUNTS THEY HAVE REPORTING TO MY CREDIT FILE. FAIR CREDIT LAW SECTION 109 PROTECTS ME OF MY RIGHTS AND IF THEY DO NOT COMPLY IMMEDIATELY I WILL PURSUE LEGAL ACTION. YOU GUYS ARE COSTING ME A FINANCIAL HARDSHIP BY TERRORIZING MY CREDIT REPORT DUE TO ME BEING A VICTM OF IDENITY THEFT XXXX XXXXXXXX XXXX is reporting the account was opened XXXX XXXX with total fraudulent charges of {$320.00} XXXX XXXX XXXXXXXX XXXXk XXXX XXXX is reporting the account was opened XX/XX/2021 with total fraudulent charges of {$710.00}
Consumer complaint received 2022-11-18
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. (FL)

On XX/XX/2022 I was notified that Experian is reporting XXXX credit cards as being closed when they aren't. They referred me to call the credit card companies and both cards are active. I want them to correct their incorrect information
Consumer complaint received 2022-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Pursuant to 15 USC 1681g, Transunion shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. However, upon attempting to retrieve my consumer report on XX/XX/2022, I could not retrieve my consumer report form the Transunion website. Then again on XX/XX/XXXX and XXXX of XXXX, I could not retrieve my consumer report.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (FL)

XX/XX/2022 I tried to make a purchase for a scooter to get to and from to work I went online and found that a company XXXX had a scooter online for sale for {$71.00} I went to purchase it and again after purchase I began to do a search because something didn't seem right about the receipt that they sent me to my email something was fishy about it I did some research on the company and see that they were a scam they sent me fraudulent email saying that a tracking number for a purchase that I had just purchased within the 5 minutes was already sent out I try to reach out to the company found out that it was a fraudulent number and a fake address to the company I even tried to go to the store where there was no store there I contact my car company and told them that it was a scam and I try to reach out to the company the number for the company was not a phone number and the address was not a phone number I also sent them the emails from the company now I just got a email from the company saying that they sorry that I didn't get my purchase I just been asking for my refund back that's it from both the company that is fraudulent and also even my credit card company to stop the payment but no one is working with me I have all the emails and pictures the actual scooter that I purchase from the company that did not receive was over {$6000.00} so there's no way that I could have purchased this scooter for a {$71.00} and come to find out it was for a older person well over my age from XXXX XXXX  my card company denied my refund and I have been going back and forth with both the company with the fake fraudulent tracking number and email address phone number and also address I'm just asking for my money back thank you
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX # XXXX 30 days late in XX/XX/XXXX, XXXX XXXX 60 dyas in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Im writing this because I have inaccurate information reporting on my XXXX, Equifax and XXXX from XXXX  XXXX XXXX and XXXX, I have tried to dispute this information with them but they said that everything in correct. The amounts of each account are correct but the reporting of the late payments are incorrect in each of the credit bureaus, XXXX states that I only have one late from each of the 3 student loans, Equifax states I have 5 late payments from each of the 3 student loans, and XXXX states I have 2 late payments from each of the 3 student loans. Also all my student loans should be under XXXX XXXX but on Equifax it still says XXXX  XXXX XXXX. 
Also these I should not have the late payments because it should have been in deferred due to being in school in XXXX  XXXX, and the late payments being in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
All of this information will be attached.