davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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. (MN)

15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT I did not give permission to report on my consumer credit. 

XXXX & XXXX is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my account my consumer report Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT. report containing information solely as to transactions or experiences between the consumer and the person making the report. So therefore this company is sharing my private information. also the late payments and payment that's been made are transaction from me ( Consumer and the person that's making the report I called and ask for them to remove the late payments from my account and the rejected my request i did caught up on my payments so now I am current and the late payments are effecting me to get approved for any credit since it is new. I need the month of ( XX/XX/XXXX, & XX/XX/XXXX, for my payment history update to on time payment paid as agreed ) 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
Telling a third party that you owe a debt is illegal! First, it may not be true thus unjustly damaging your reputation and second, it is simply nobody elses business. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2022-08-01
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. (NJ)

Unfortunately, I fell ill to XXXX XXXX and was unable to work for 35 days, with all the bills pilling up I decided to called in and speak to one of there reps and explained my situation. I was told that there wasn't any available assistance from the Care Act '' and the only available option was to file for an extension or make a payment arrangement with a partial payment which I did make a payment of {$400.00} on XX/XX/XXXX and the balance {$190.00} on XX/XX/XXXX, so thats what I was told. I understand it is my full responsibility to make sure my account stays in good standing but I felt like I was mislead. To this day I have not and will not miss another payment. This payment does not show my credit worthiness. I kindly request that the information be corrected and updated to paid from my credit file, a payment was made and I did it on the phone with your rep. I was also told that if I made XXXX following payments that the action would be revised, that still did not happen. As I am in the process of buying a house this information blocks my full ability to purchase without issue. I did what was requested by your company at that moment.
Consumer complaint received 2022-08-01
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: BMW Financial Services NA, LLC (FL)

The following companies are closed accounts that are paid in full. On XXXX 2022 I disputed all companies that were over XXXX years old and requested an investigation to explain how they were able to reset the clock on the statue of limitation. The following companies have violated the laws of FCRA and failed to delete/remove their accounts from my credit file. Please, investigate my complaint and have the negative accounts that are hurting my credit worthiness for approval of credit deleted/removed or I will seek for monetary compensation for damages done to my financial well being. 
1- XXXX  XXXX XXXX {$500.00} 2- XXXX/XXXX, XXXX  {$600.00} 3- XXXX/XXXX, XXXX  {$100.00} 4- BMW Financial servic {$24000.00}
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting capital one, 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 a 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 2022-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was offered an item online and I agreed. The man said he would send the item if I gave him the amount. I sent {$550.00} dollars to multiple accounts of his. The dates include from XXXX XXXX throughout XXXX XXXX. I never received the item and got scammed from {$550.00}. The multiple XXXX XXXX I sent money to are, {$100.00} to XXXX, {$150.00} to XXXX, {$50.00} to XXXX, {$50.00} to XXXX, {$100.00} to XXXX, {$100.00} to XXXX, {$50.00} to XXXX, {$50.00} to XXXX, and {$50.00} to XXXX XXXX
Consumer complaint received 2022-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

going on three years now, this mortgage loan servicing scam and predatory lenders have tryed every trick on the book to default us, steal our property and foreclose on us.we have never missed a mortgage payment, we never missed paying our insurance directly to XXXX, and we have always pay our property taxes directly to the county as well. despite all this, they have opened escrow accounts for fictitious tax payment and insurance payments too others and have tryed to increase our mortgage payments by double digits. they have also misplaced our mortgage payments and applyed them in to suspense accounts and not the mortgage account and maliciously reported the payments late month after month in order to build a fictious case of foreclosure and make false claims that we are late and they have sent us thousands of dollars and paid tens of thousands of dollars in property taxes, which is all false and your offices continued beliving these crooks.now they conitnue with there criminal actions, if your office dont do anything to protect us consumers from these predators. what good are you for? and should then we take the matters in to our own hands and justice? we have never missed any payments. and they continue saying that we did.
Consumer complaint received 2022-03-10
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: WELLS FARGO & COMPANY (FL)

Thank you for once again responding with the same canned and deficient response complaint. You can contact me formally through email or address that was provided repeatedly. I will not however placate Wells Fargo with their canned phone messaging just so they can check their box for compliance auditing purposes. I'm happy to continue to use this form to communicate Wells Fargo 's continued predatory lending atrocities. I've clearly stated my terms of formal communication within my resolution statement, should you care to read it. I'll also break down the bone of contention for the cheap seats way up in the rafters. The so called 'Modification '' that Wells Fargo proposed was the same predatory XXXX loan that was outlawed by our judicial system steaming from the class action suit, which is why part of your multi-million settlement agreement was to review your Customers XXXX  loans and modify them so that they were no longer toxic and detrimental. In my case specifically Wells Fargo used the same XXXX adjustable rate terms and agreements, removed interest only payment options and slapped all the payment owed to date onto the back of the loan. Essentially all you did is remove interest only payment options and called it a modified loan. No real help other than to pony up 20k and try it again. As the saying goes XXXX me once shame on you XXXX me twice shame on me. I suggest you take real good look at what presented as keep your home modification and compare it to other step-down modifications from other premier lenders and then ask yourself did we really handle this in the best interests of all ... Let me help you, the answer is not even close. Your failed me, you failed millions of others I'm sure and most of all you've failed the brand name of Wells Fargo. I look forward to our next go-around : )
Consumer complaint received 2022-03-10
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: WELLS FARGO & COMPANY (FL)

Thank you for once again responding with the same canned and deficient response complaint. You can contact me formally through email or address that was provided repeatedly. I will not however placate Wells Fargo with their canned phone messaging just so they can check their box for compliance auditing purposes. I'm happy to continue to use this form to communicate Wells Fargo 's continued predatory lending atrocities. I've clearly stated my terms of formal communication within my resolution statement, should you care to read it. I'll also break down the bone of contention for the cheap seats way up in the rafters. The so called 'Modification '' that Wells Fargo proposed was the same predatory XXXX loan that was outlawed by our judicial system steaming from the class action suit, which is why part of your multi-million settlement agreement was to review your Customers XXXXt loans and modify them so that they were no longer toxic and detrimental. In my case specifically Wells Fargo used the same XXXX adjustable rate terms and agreements, removed interest only payment options and slapped all the payment owed to date onto the back of the loan. Essentially all you did is remove interest only payment options and called it a modified loan. No real help other than to pony up 20k and try it again. As the saying goes XXXX me once shame on you XXXX me twice shame on me. I suggest you take real good look at what presented as keep your home modification and compare it to other step-down modifications from other premier lenders and then ask yourself did we really handle this in the best interests of all ... Let me help you, the answer is not even close. Your failed me, you failed millions of others I'm sure and most of all you've failed the brand name of Wells Fargo. I look forward to our next go-around : )
Consumer complaint received 2022-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

Constantly impacting my credit score, reporting to the agencies without my consent and they keep calling me to pay the debt. All debt is obligation of the United States per 31 U.S. Code 3123 18 U.S. Code 8 15 U.S. Code 1692/1692e and 1601.
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Fair Collections and outsoucing is reporting a debt for XXXXFair Collection and outsourcing did not provide any signed contract .When a debt validation letter was requested all they sent was a ledger with charges. I am asking that Fair Collections and outsourcing please provide validation indicating that I owe the debt, a signed contract and details on why I owe the debt.
Consumer complaint received 2022-09-21
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Georgia Student Finance Authority (NC)

This is my second complaint with Georgia Student Finance. This time I am filing a complaint because the school XXXX XXXX closed down back in 2019. I was misled into believing that I would have gainful employment after completing the degree program. I was forced into signing that Master Promissory Note. 

I do have an active borrower 's defense application with the Department of Education. They have not made a ruling as of yet XXXX ( application number ) Can provide a copy of the application that was in fact for the former school, XXXXXXXX XXXX. 

While the Lender has my signature and I disputed the debt before as not valid, to me, I believe the contract should not be enforced. Because I was like many other students forced to take out extremely expensive loans. 

I also informed the organization that I am no longer in the state of Georgia and had no choice but to move because I had not gained employment. This is what I was promised when I enrolled in the program. 

I have tried to work with this agency but they are not willing to work with my at all and left me no choice but to filed another complaint with the cfpb.
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (TX)

Diversified ADJ has wrongfully inserted derogatory information into my credit profile. 

Derogatory data includes a collection amount of {$890.00}. I have requested a copy of the original contract to be provided to me with my signature. To assist in verifying the claimed debt. The above-mentioned company has failed to provide requested information and continues to report inaccurate information into my credit profile.
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not authorize the credit inquiries below. 

XXXX XXXX XXXX  Location XXXX XXXX  XXXX  XXXX XXXX XXXX, CA XXXX Inquiry Type Individual Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX/XXXX  Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with XXXX  Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2022-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TransUnion reporting agencie is reporting false and inaccurate information on my credit report I have reached out to them on this matter there are XXXX medical debt collections appearing on my credit file that are inaccurate reporting. 

XXXX XXXX XXXX in the amount XXXX. 
XXXX XXXX XXXX in the amount XXXX. 
XXXX XXXX XXXX in the amount XXXX. 

I Have reached out to this Agency many times with XXXX disputes per accounts that are not been properly Investigated the disputes is coming back as updated and accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have tried uploading documents on line on the website and unsuccessful also the accounts that are being reported on my account is a Violation of HIPPA and a complaint Has also been Filed in that matter. the XXXX accounts listed was coved by medicaid Insurance to the original Creditor I owe no debt collector agencies listed above for any debt I have not received any services from these companies nor have any contracts with them they are operating illegally and illegally sharing my healthcare information. and also documents was signed that my healthcare information would not be shared with any third parties so I don't even understand how theses companies has access to my healthcare data
Consumer complaint received 2023-04-16
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. (DE)

In XXXX I filed complaint XXXX and XXXX in regarding to the inquiries listed on my credit report prior to XX/XX/2022. The listed companies responded with statements of removal on both my Experian and XXXX accounts and to date as of XX/XX/XXXX, they are still on my credit report. They have not done as they said they would. I want all inquiries prior to XX/XX/2022 removed since I have already explained my reasons for the initial complaint filed. Please see that my complaint and request as the consumer is meet.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (FL)

XXXX, 2022 paid last payment to AFFIRM INC . I RECIEVED EMAIL CONFIRMING PAYOFF. I DISPUTED WITH BUREAUS IN XXXX... .THEY GOT REPLY ON XX/XX/XXXX A MONTH LATER STATING THE DEBT WAS STILL VALID. WHEN I CALLED AFFIRMS REPS VERIFIED MY PAYOFF. HOW OR WHAT KIND OF PROOF COULD AFFIRM SUPPLY INXXXX ON AN ACCOUNT PAID OFF IN XXXX A FULL MONTH BEFORE. CREDIT BUREAU WILL NOT VALIDATE OR INVESTIGATE MY DISPUTE AND TELL ME THAT THEY CANT REMOVE INCORRECT DATA. AFFIRM HAS TO. THEY DID NO INVESTIGATION OF THEIR OWN. AND RECIEVED NO VALIDATING INFO IN XXXX. THEY JUST TOOK AFFIRMS WORD AND XXXX TOLD ME THEY DIDNT HAVE ENOUGH INFO FROM CREDITOR TO VALIDATE MY DISPUTE. THEY CLOSED DISPUTE... WITH NO VALIDATION OF DEBT AND LEFT ITEM PAID AND CLOYED IN XXXX STILL ON MY CREDIT REPORT AND SAID XX/XX/XXXX AFFIRM CONFIRMED DEBT... BUT SDNT NOTHING TO VALIDATE DEBT NOR POST XX/XX/XXXX FINAL PAYMENT. CALLED THEM..THEY HAVE NO IDEA WHERE TO TRF ME TOO OR HOW THIS WORKS ... .JUST THAT I HAVE XXXX SAY AND THE COMPANY THAT PAYS THEM HAS ALL THE RIGHTS AND POWER TO REMOVE FALSE DATA ... .THEY CANT DO ANYTHING... .WHEN READ WHt the law says " i dont know... we cant help you... call affirm ... they put it on ... only they can remove '' im quoting exactly what im told constantl,... so this is a company wide... beaureau wide policy so they can keep charging for reporting even if shown report is wrong. 30 day removal doesnt apply to creditors but let me be XXXX days lTe n its on my file... ..NO ONE MONITORS BUREAUS. THEY GET AWAY WITH VIOLATING THE FAIR CREDIT REPORTING ACT HOURLY ... EVERY SECOND... ..CLss action lawsuit is whats needed
Consumer complaint received 2022-08-01
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. (AZ)

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX/XXXX  A XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX DATE XXXX, AZ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX EMPLOYEE Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (PA)

XXXX gave me a credit line without having me apply for it. I logged in one day and there was a credit line for {$10000.00}. So I started spending it and received grossly high bills. When I called them to ask about the fee 's and interest and informed them I never agreed to the terms or even applied for the credit line, they stated I agreed to the terms as soon as I spent the first dollar. I made an honest attempt to repay them until the interest + fees + " other '' exceeded the balance and then threw my hands up and refused to pay it. It was a bottomless pit of hopeless fee 's. 

I received a letter in the mail years ago stating there was a class action suit against XXXX for doing this same thing to other people. I received a check for {$2.00} as a settlement for the suit. 

My limit on the account was {$10000.00} and they reported {$12000.00} and now it's $ XXXX. 

The account # XXXX is the credit line that I never applied for. I'm trying to buy a house and this black mark is really hurting my credit score and I refuse to pay them for this slimy predatory action. Someone suggested filing a complaint with you in hopes you can have it removed.