davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (KY)

I have already disputed the account XXXX XXXXXXXX XXXX from opened credit cards accounts on all my credit reports XXXX, XXXX, and XXXX last year of XXXX. I noticed my credit being ran in XXXX XXXX on XXXX XXXX I contacted XXXX XXXXXXXX XXXX and told them no I did not open this account. This account was opened in Mississippi, XXXX is the county I think. I have never lived any where other than XXXX address 's or XXXX XXXX. They proceeded to ask me if I had an authorized user on the account and I told them no. I asked them who it was and they said XXXX XXXX who is my ex-husband of XXXX. This person is a con artist with no credit and has stolen my info. I have no communication with this person and did not give them any permission to open any accounts in my name. This was disputed and closed But then put in collects on my credit report as they sold the account to Midland credit management. I called them again because I thought this was cleared the first time. they asked for my address and then proceeded to change it on the account saying all info is correct when that's not true. I want the account removed from my credit reports and future reports on XXXX, XXXX and XXXX. Thanks you XXXX XXXX
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

I had a joint account with my Mother who passed away in XX/XX/2021 with TD Bank. The account # XXXX. After my Mother was placed in a XXXX XXXX my Brother XXXX XXXX XXXX took a fraudulant Power of Attorney to the Bank and obtained signature card on the account. Once I was made aware of this, I contacted TD bank 's fraud department who reviewed the Power of Attorney had the signature and all checks stopped on the account. However, I have discovered that the account was closed without my knowledge or notice. I have never received any notification of were the funds where transferred to or that the account was being closed. In addition the fraud department was made of aware of telephone transfers from my Mothers account while my Mother was XXXX XXXXXXXX  recovering from a XXXX.
Consumer complaint received 2023-03-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Processing Services, LLC (MN)

I received a few calls with a request to return a phone call at XXXX who states they are Global Processing Services and act as bad debt mediating. This phone I believe help gs to XXXX count or city. FL. They claim in 2016 I took out a payday loan online with IP address XXXX. This ip address belongs to someone in AZ, I don't live there. All they could tell me was it a main lender from XXXX XXXX through XXXX in 2016. They could not tell me what the supposed contract was nor could they give me a specific date in 2016 not could they send my anything, but if I called the company they wouldn't know anything because they " sold '' the debt to them, but this Global doesn't have the contract the client does. They stated {$500.00} was wire transferred into my account, which have never happened, confirmed with my bank. Supposedly I have been contact via mail which has never happened. They state I have a {$1700.00} balance which they will settle for {$380.00} but I need to give them my payment information over the phone. This organization has my address and last XXXX of social. I was hung up twice and on the third time I called I was given different information about where this pay day loan came from. They stated they are a 2nd debt collector but it has not hit my credit yet.
Consumer complaint received 2023-04-23
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 Account XXXX, account number 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 or consent.
Consumer complaint received 2023-03-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advance America, Cash Advance Centers, Inc. (SC)

Advance America was a payday loan company that went out of business. There wasnt a credit check done to get approved for the loan, but they changed ownership and now are reporting it on my credit without giving me a chance to pay the loan back after they closed down.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I filed a claim with Wells Fargo concerning payments I made to a XXXX  for a XXXX XXXX XXXX XXXX. ( XX/XX/XXXX XXXX {$3500.00} XX/XX/XXXX {$1200.00} and XX/XX/XXXX ) .I had the XXXX  in XXXX. 
During this time prior to the XXXX  I had made a claim for something else but I had asked when can I make a claim after a transaction I want to dispute they said any time. 
I then had it in the back of my mind. 
A week after the XXXX  I told the doctor I was not happy with the results, he ignored my concern and went on said I still need to heal. I then called to file a dispute and they asked me if I spoke with the Dr to give a refund I told them no they said you should because then it will get denied, once again I ask how long to I have they once again said no time limit. 
After seeing the Dr again I asked him he said he can work on my XXXX  I don't want him to, that day when I asked him about a refund he did XXXX and I didn't care for that either, so I don't want him working on me. The XXXX XXXX, supposedly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Dr trying g to tell me there isn't enough XXXX XXXX XXXX XXXX and I don't know what I'm talking about. 
A few days after I filed the claim on XX/XX/XXXX I called to see if they needed any thing else to support my case and the Claims person not only question me but also laughed at me as I'm telling her what had happened. She then says it was denied due to the length of time I took it should have been within 120 days, I told her I was told there wasn't a time limit and I can make a claim any time she says you can but we won't investigate it.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (IL)

purchased vanilla gift card for {$200.00} near end of XX/XX/XXXX to make a purchase with XXXX. i placed order with XXXX to find out the card had XXXX balance. i called and placed with vanilla a dispute that the dollars had been stolen. i received email stating my signature form had been received and could take up to 90 days to resolve. i followed up with a call on XXXXwas told it was in progress. called again XX/XX/XXXX, was told to call back 24 to 48 hours to get results of dispute. called again XX/XX/XXXX, was apologized to but asked for another 24 hours and call again. called again XX/XX/XXXX, now they are saying i did not return the required signature so nothing has been done. i have been very patient up to XX/XX/XXXX but now i am just getting a run around so i am filing this complaint
Consumer complaint received 2023-03-30
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 15 USC 1681 b ( 1 ) the credit bureaus dont have no written permission 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 as a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C 1681 section 2 ( a ) ( i ) A person shall not furnish any information relating to a consumer, to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is accurate.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold the accountable for this
Consumer complaint received 2023-03-30
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. (MI)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 Balance : $ XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-23
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: Experian Information Solutions Inc. (SC)

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 USC1681 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 

I ONLY provided authorization to complete soft credit checks. Credit Check Authorization : A soft credit check allows us to watch for updates and changes to your credit score with all three bureaus WITHOUT impacting your scores in any way. Providing authorization allows us to monitor your scores through soft checks for the next 12 months or until your scores meet loan requirements. This also serves as authorization to complete soft checks for your co-borrower if you have on. This hard inquiry 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.

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 2023-04-23
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. (SC)

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 USC1681 Disputable hard inquires with : 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 

I ONLY provided authorization to complete soft credit checks. Credit Check Authorization : A soft credit check allows us to watch for updates and changes to your credit score with all three bureaus WITHOUT impacting your scores in any way. Providing authorization allows us to monitor your scores through soft checks for the next 12 months or until your scores meet loan requirements. This also serves as authorization to complete soft checks for your co-borrower if you have on. This hard inquiry 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.

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 2023-03-13
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: Atlanticus Services Corporation (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 purpose.
Consumer complaint received 2023-04-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

On XX/XX/ Roundpoiint mortgage sent me a Mortgage billing statement that stated I had " Past Due Payment '' in the amount of {$2900.00}. The payment was in fact not past due and Roundpoint had according to the terms of my loan had an automatic payment established for XXXX. The amount was removed from my account and was never late according to the terms of my mortgage. Roundpoint took over servicing my mortgage on XXXX. I have attempted to call Roundpoint and even after listening to a 3.5 minute recording there is no option to speak to anyone. The only options provided are " get you loan number, make a payment, hear this message again ''. If they are reporting this as late then it will materially impact me. In addition, sending late notices and threatening statements when the mortgage is and ALWAYS has been in good standing and having no way to speak to them is wrong.
Consumer complaint received 2023-04-23
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. (UT)

I have repeatedly complained about the dates and status being incorrect with the bureaus on this sold and charged off account. Each time the bureaus update it with the dispute dates for the last reported and last payment dates of the disputes, it finally succeeded in lowering my scores by XXXX points with one of my creditors. They denied me credit based on the lower scores which weren't present when I ran my credit on the XXXX of each month. They only use XXXX and told me what lowered my scores. They said that XXXX was a new charge off and had lowered my score by XXXX points  based on the date reflected on the report they ran in early XX/XX/2023. I am tired of this being an issue and therefore am turning this over to the CFPB to do something about this. They're all breaking the laws. They send me so called proof that it's now reporting correctly, then when I run my reports it's still incorrect. So what is the real problem here? The bureaus are lying and sending out false information in order to satisfy a time line to respond to the CFPB, not to actually correct the information as I've requested several times. It's time to take action and do something about it if they can't get the information right! Instead of XXXX looking into it they send me repeated demands to identify myself! Not the first time I've complained on this venue but they use that as a tactic to NOT investigate errors made by their clients! I'm not accepting that and refuse to send them anything personal. I give them what they need here. If they don't like it then they need to be investigated for their refusal to honor disputes.
Consumer complaint received 2023-04-23
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus
Consumer complaint received 2023-03-14
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. (MO)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
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. (FL)

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

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


In accordance with the Fair Credit Reporting Act XXXX Account # 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (CA)

In XXXX, XXXX XXXX XXXX XXXX submitted a collection account for XXXX to my personal credit report. The account was for a Corporation for which I was not liable. Documentation was submitted which removed the collection from my credit report. 

One year later, creditor XXXX XXXX was allowed to submit the same XXXX collection to my personal account, despite the fact that my Experian already knew I was not responsible for the account. 

Experian not only did not reference the previous dispute 's documentation, but did not allow for the documentation to be easily uploaded to the case. Nor was I notified as to why the documentation which proved that I was not liable in the initial collection was no longer viable for the second creditor. I have not been given any information as to why Experian hold me liable for a corporate account despite having evidence to the contrary. I have ample documentation to prove my case but Experian would not allow me to submit it. 

How many times can a creditor add the same collection to my credit report after being successfully disputed. This is harassment.
Consumer complaint received 2023-03-13
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: OneMain Finance Corporation (MD)

I have no knowledge of ANY inquiries on my credit report. I have contacted every single one on my credit report ( s ) and have advised them that I did not have any knowledge nor did I approve of any of the inquiries. I have tried to resolve this for months and still no results of removal. they all need to be REMOVED ASAP. Thanks.