davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-15
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. (AR)

I have requested several times for Experian to remove this information from my credit file. On XX/XX/2022, they responded to my request by declaring that the XXXX XXXX XXXX  XXXX  XXXX XXXX reported this information. I have submitted a letter from this court declaring that the court does not report this information to any third party.
Consumer complaint received 2022-09-19
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. (TX)

The collection from XXXX XXXX XXXX XXXX XXXX XXXX  - amount of {$4600.00} has not been verified, is being reported to two different credit reports, have not been given noticed about who owns the account/collection, nor has given evidence of authorization to be added to my credit report.
Consumer complaint received 2022-05-15
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. (MS)

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 1681. Convergent Account # 1234, has violated by rights. 15 U.S.C. 1681 Section 602 A : States I have the right to privacy. 15 U.S.C. 1681 Section 602 A, Section 2 : It also states that a consumer reporting agency cannon furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more that seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

See the attachments showing my numerous attempts to get you to provide physical evidence of each error listed in the attached sheets.
Consumer complaint received 2022-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (CA)

This debt was already paid for in XXXX, we already settled all our debts before my family went out of the country, to stay abroad for some time, while the pandemic was happening. 

On checking my credit score, I've noticed a collection from Amsher Collection Services opened XX/XX/2021, updated XX/XX/2021. 

This can not be true, as I stated, I was out of the country, and the service I had at the time, credited by XXXX XXXX XXXX, was long disconnected and paid for.
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

Hi, My client sent payment to my account on XX/XX/XXXX via XXXX. It says there will be 1-2 days delay. I've waited but 2 days has passed. Wgen my sender checked the transfer, it shows that the money will be on my account on XX/XX/XXXX. XX/XX/XXXX has also passed and it's still not credited to my account. I started to reach out to XXXX. But their customer service is so slow! And the only response I am receiving from them are generic and they are keep on telling me that they are not disclosing any transfer details to the recipient. That I need to ask my sender directly. My sender reached out to XXXX, but he has not gotten any clear response and updates from XXXX. They already take the money to my client 's account. They just keep on telling people to wait but has no reason why we need to wait for our money. They are saying that they need to do additional checks. We are asking for what and they can not even explain it to us. Additional check from XX/XX/XXXX?? That's too long. They didn't even send updates to inform the customer what's happening to our money! When my sender checked the status of the transfer on XX/XX/XXXX ( the date which XXXX promises that my money will be here ), it shows that they removed the date. Now, me and my sender have no idea where the money is and when will it be credited to my account. They are making fool of people! I have all the screenshots for proof. 

Look at their XXXX page, many people are complainig. There are some that have been waiting from almost a month and haven't received their money. That's horrible! 

I, myself, has a family and kids to feed! I have bills to pay that are already over due and have to pay for penalties for late payments. The amount I am expecting is around XXXX and my husband is expecting to receive around XXXX. Both of our salaries are being held by XXXX! Very disappointing! 

I hope you'll do something about this ASAP. My kids are starting to starve! And WISE DID NOT TAKE THIS MATTER SERIOUSLY! 

Looking forward to your prompt response. Thank you!
Consumer complaint received 2022-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc. (NJ)

Sa-Vit Ent Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX This Company has been reported as pasted due balance on my XXXX CREDIT REPORT. I do not know this company. I have never done any business with this company. This company does not have contact with my signature
Consumer complaint received 2022-05-15
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. (TX)

Closed accounts that I have had are still reporting hard inquires on my credit report.

Closed accounts that I have had and are paid are still reporting hard inquires on my credit report.
Consumer complaint received 2022-05-14
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. (MD)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

LCI Lundquist Consulting Inc. Is a third party used by Transunion to verify public information about consumers. The fact that LCI reports information on consumers to another part makes them a Credit reporting agency or at the very least a consumer reporting agency bound by the Fair credit Reporting Act. Upon contacting LCI  on XX/XX/2022 I was advised that I am not able to dispute information with this company that I can't freeze any information that they provide other 's about me. All companies that provide information to other companies for the purpose of decision making with regard to credit, employment, housing and so forth are held under the laws of the FCRA.
Consumer complaint received 2022-05-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX Account Number XXXXXXXX XXXX XXXX XXXX  Account No. XXXXXXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account No. 
XXXX 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 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

XXXX XXXX XXXX XX/XX/2021 FAY SERVICING SENT ME A NOTICE TO FORECLOSE ON MY HOME. THE LOAN WAS SOLD TO THEM 2 MONTHS AGO BY XXXX XXXX MORTGAGE WHO HAS SERVICED THE LOAN FOR 10 YEARS. DURING XXXX, XXXX XXXX THE PROPERTY WAS UNDER FORBEARANCE PLAN UNTIL 2 MONTHS AGO WHEN FAY SERVICING TOOK OVER THE LOAN. 

XXXX XXXX TOLD US THAT AT END OF THE FORBEARANCE, THE ENTIRE AMOUNT WILL BE MOVED TO THE END OF THE LOAN AND I AGREED. 

2 PAYMENTS HAVE BEEN MADE TO FAY SERVICING BUT I TRIED TO MAKE PAYMENTS AND ACCORDING TO THEM THEY CAN NOT ACCEPT PAYMENT BECAUSE THE HOUSE IS IN FORECLOSURE. THEY HAVE BEEN HARASSING ME AND IS AFFECTING MY HEALTH.
Consumer complaint received 2022-05-14
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. (MD)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Consumer complaint received 2022-05-14
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. (MD)

XXXX XXXX Account # XXXX has been published without my written or verbal consent which violates my privacy and multiple laws pertaining to thus. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (IL)

I made a purchase of two first class tickets on XXXX XXXX on or around XX/XX/XXXX. XXXX  was unable to accommodate a pet in cabin on one of the flights. Cancelled the tickets within 1 hour of booking the flight for a full refund ( XXXX XXXX  ). Was instructed that refund would be processed 4-8 weeks after. ( Against USA law- funds must be refunded within 7 days. ) On or around XX/XX/XXXX, I filed a dispute with my bank at PNC. I have been in constant communication with the airline and my bank trying to locate my funds. On or around XX/XX/XXXX at about XXXX central, I spoke with a female voiced representative requesting expediting the my disputes due to fear that the airline was preparing to file for bankruptcy. The agent placed me on hold for several minutes and returned to the call saying that she spoke with the back office and the merchant agreed to release the funds. I would see the refund deposited into my account in about 2 days. Spoke with a representative XX/XX/XXXX and he told me that there are no notes regarding my conversation with the previous rep and that the cases are still open. Spoke with an escalated manager XX/XX/XXXX and called me without reviewing the phone conversation with their representative. Case assigned to a miss XXXX # XXXX. I would like my refund deposited to my account immediately.
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: Experian Information Solutions Inc. (TX)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MI)

My home loan is through Rocket Mortgage. I am not working on refinancing the loan. Even though I have requested they stop contacting me with " marketing '' offers to refinance they continue to call. The approach taken recently is that the representative from Rocket Mortgage leaves me a voicemail stating they have " received all of my information '', everything is in good order and I need to call them to answer a few additional questions. 

My current mortgage is in good standing. These calls/messages imply I am working with them on a refi or worse that someone has stolen my personal information and is acting on my behalf. This seems to be a predatory lending practice and should be addressed. I will be submitting a complaint directly to Rocket Mortage through their " complaint '' department however, I doubt that will go anywhere in terms of the representatives approach/tactics.
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (AL)

XX/XX/2020 I applied for unemployment. I was suppose to receive my first direct deposit XXXX XXXX that consists of 6 payments at one time that total {$4200.00}. The next day Current mobile banking started sending me emails that said if I filed for unemployment to give them the account number in my app, which I did when I first filed for unemployment so I didn't think anything of it. I reached out to the bank SEVERAL times and they kept reassuring me that everything is ok. the moment I realized they were full of XXXX, I tried to get in touch with unemployment to change my bank account information but they were so busy due to COVID-19 that by the time they returned my call, I missing two more direct deposits XXXX XXXX {$710.00} and XXXX XXXX {$710.00}. So in total I am missing {$5700.00}. Current kept telling me to contact unemployment and get the account number it went it, but of course they are not allowed to give me that information. So I got a attorney and after months he was able to get me the account the number but the account is now closed and is still giving me and my attorney the runaround. I feel like current mobile banking scammed me and I have proof. PLEASE HELP!! THANK YOU IN ADVANCE
Consumer complaint received 2022-02-23
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)

I am so puzzled about this situation. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint for the 2nd time. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again. TRANSUNION was not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-14
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)

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 an account with my written instructions.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got an email from XXXX and XXXX ( for XXXX XXXX ) today XX/XX/2022 that a credit report was done on me today. I did not authorize this at all. I called BOA and told them I dod not do this, they filled a fraudulent claim. I also contacted XXXX and they told me to contact you and file this report.
Consumer complaint received 2022-08-02
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)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
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. (FL)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Attachment of non-verified line item provided- Credit Bureaus currently displaying non-verified information, thus breaking the law. They have yet to provide evidence regarding account ownership and the method of verification. They have not provided any documentation regarding their investigation.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (GA)

I was charged an overdraft fee yesterday in the amount of {$36.00} but there was money in my account. I received a refund that was available on my account when they claim the transactions took place, but Regions Bank seemingly rearranged the transactions to where my account would overdraft. I am also not enrolled in standard overdraft coverage so i dont understand why I was charged a fee.