davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I provided information to credit bureau regarding fraudulent items being reported to my credit report and as the investigation process, items are being removed but later added back to my credit profiles. This process seems to be taking much longer with little insight into the results.
Consumer complaint received 2024-08-27
Product: Credit reporting 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. (NY)

There hard inquiries that do not belong to me haven't been authorized by me and have to be removed well thank you. 
XXXXXXXX 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
Consumer complaint received 2024-08-19
Product: Credit reporting 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. (FL)

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY 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 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
Consumer complaint received 2024-08-27
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ENCORE CAPITAL GROUP INC. (MO)

The company midland credit management knew I didnt know my right as a consumer and therefore conversed me into believing that they were part of the original creditor that charged off my debt making it as though I owed them money for a debt that I was not validated or sent a letter of subrogation before they got my information to withdraw funds out of my account they stated it was an attempt to collect a debt thus violating my rights to 15usc 1692 and 1681 also falsely reporting this claim on my credit report as thought they were the original creditor also constant harassment after being told not to contact me other than writing letter still calling leaving message on my phone using choice word as We need to disscuss a personal business mater after they find out by phone conversation that Im layering my rights I was polite to them and felt after I gave them awareness that I have and doing research on my privacy rights they started call more frequently
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NJ)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (OK)

Newrez mortgage llc, has taken them over 2 months to handle my home insurance and escrow request. The company appears incompetent and has sent a letter stating they were going to purchase insurance on my behalf when XXXX XXXX has already requested payment from them on XX/XX/XXXX. I received a letter on XX/XX/XXXX stating the above. I called XXXX XXXX on XX/XX/XXXX requesting proof they sent a notice to Newrez asking for my home owners policy and XXXX be updated and payment be made to XXXX XXXX ( my new insurance carrier ). I also uploaded the insurance documents to their portal. I also emailed the documents to newrez insurance department. I have yet to have this company fix their issue. I have money in escrow to pay the insurance company and it is currently at risk of being canceled. I am filing a complaint against Newrez.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

To Whom It May Concern, I am disputing multiple egregious errors concerning late payments and unauthorized hard inquiries that violate my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. If immediate action is not taken, I intend to enforce my consumer rights to the fullest extent of the law. Under the Fair Credit Billing Act, 15 U.S.C. 1666, I have the right to dispute these patently inaccurate credit report items. Hard Inquiry Disputes Additionally, the below hard inquiries were accessed without any permissible purpose or authorization as mandated by the FCRA [ 1681b ( f XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX. XXXX XXXX XXXX - XX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX XX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX. XXXX XXXX - XX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX. XXXX XXXX XXXX - XX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sezzle Inc. (FL)

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. 

Account name : Sezzle INC Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 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 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc. (CA)

I have had my cash app opened for years. I was unable to get into it. I had trouble getting contact with customer service. They wouldnt open my account. I was able to finally log into my account when I logged in. They told me my account was closed for no apparent reasons I sent them all of the verifying proper documentation letting them know that this account was valid. I did nothing wrong to violate their policy terms and they still refused to open my account so I want to file a complaint against Cash App Ive read so many complaints about people having the same problem so I wanted to document it and make a notate of this account. I still have money on my account as well.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (TX)

This is fraud. I have never done or contracted any agreement with the following companies therefore these accounts are fraudulent and are not permitted to be on my report. I also have not granted any of this companies permission or authority to conduct any fidicuary duties on my behalf. Any consent granted otherwise is now officially rescinded and any arbitration agreement opted out of. My right to privacy has been severely violated along with FCRA and FDCPA. I am demanding immediate deletion or show certified proof of alleged debt or agreement and that all transactions adhere to XXXX practices and guidelines. I can assure that none of these will be made available to me so these items need to be deleted permanently and immediately or I will seek damages to the highest extent of the law. 

- [ ] XXXX XXXX  XXXX
Consumer complaint received 2024-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-27
Product: Credit reporting 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. (CT)

I discovered incorrect information on my credit report, as outlined in 15 USC 16c-2. I am confident that this information is inaccurate and negatively affecting my credit score.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (PA)

This account is closed and written off so therefore a 1099c should have been filed, and balance should be updated to XXXX XXXX. I have not received a 1099c for this account. This is a violation of the Consumer Protection Act, so could you please file 1099c and update my account immediately, thanks.
Consumer complaint received 2024-08-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (NJ)

We are from XXXX XXXX, and before the XXXX XXXX  XXXX of XXXX XXXX ( who was our lender ) was shut down for XXXX XXXX in 2007 and people went to XXXX, they were the originator of our loans, last one was in 2004, total {$110000.00} But in 2005 XXXX  XXXX  sent another refinance offer and contract to us in the mail. But since we were not interested, we did not sign or return the contract back to them as they had instructed. 

However, unbeknownst to us, XXXX increased the principal from about {$100000.00} by that time, to the {$130000.00} that is on the new contract ; and since we had refused to sign, ( obviously they had copies ) so they forged our signatures, and under the guise of a transfer, they sent our loan to US Bank Home Mortgage in XXXX XXXX. 

It took years, but with help from the ( CFPB ) for another problem, we were finally able to receive evidence from a US Bank XXXX named XXXX XXXX ; and a copy of the contract with our missing signatures confirmed what we had already suspected. 

We did XXXX loans with XXXX XXXX, XXXX in 2003 and XXXX in 2004. But in 2004 when we received our copies of documents, we did not realize it until much later, that our ( signature page ) with the 2004 signatures were missing ; and they later used the 2004 signatures on the 2005 contract. 


We are not disputing the entire loan, but before 2018, and definitely since 2021, we have been trying to get the US Bank to subtract the fraudulent amount from the principal, so that we can receive a correct payoff and refinance at home again. 

But we are not getting the help we need from US Bank and not only do we have the original unsigned contract that we can show for evidence and prove that a copy was made, the absence of evidence is also evidence. ( No cancelled Check ). 

We never received the money for which this contract was created and exist as unsigned. So to prove this, we have asked US Bank to send us a front and back copy of the cancelled check, ( which normally we would have a right to receive ). But we want them to either prove that we received this money or subtract the fraudulent amount from our principal balance. 

But ever since the date ( s ) they have responded back to us through the CFPB in 2018 and the last time in 2021, to this date in 2024, we never heard from US Bank again about this problem ; and even though their letters state that they might even contact us for more information, we are still waiting... and we wish to finally resolve this problem.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I deposited my check into Wells Fargos atm machine on XX/XX/year> and the machine committed fraud in XX/XX/year> and scammed my check for more than it was written for, their machine also did not provide an option to edit or cancel only confirm then spit me a receipt. Ive been calling it the bank since and got ahold of 2 representatives who both said Wells Fargo can do nothing about it. One escalation supervisor out on XXXX by the name of XXXX then abruptly disconnected the call to avoid the call and giving explanations. 
Wells Fargo was also stolen well over {$200.00} from my account.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

XXXX XXXX XXXX Discover.com These creditors has violated my rights. Under 15 USC 1681, Section 602 states I have a right to privacy. Fifteen USC SIXTEEN EIGHTY - ONE SECTION SIX OR FOUR A SECTION Two, It also states a consumer reporting agency can not furnish an account without my written instructions. 
Under fifteen USCS one six six B.

A creditor may not treat a PAYMENT ON A CREDIT CARD ACCOUNT UNDER A OPEN end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (NJ)

Certification of INDEBTEDNESS thats effected my credit score and dropped to less then POOR as well as they never credit my securities from the dividend payment of my treasury coupon, VIA electronic funds transfer act of the interest on my treasury coupons. 3 years of misleading false reporting credit that cause mental and physical agony, and embarrassing situations with applying to company and business loans and situation according to the uniform commerical act and security exchange act, their are multiple Security Fraud and VIOLATION. 15 USC 1681 removal due to mandatory of arbitration clause. 15 usc 1692 & 16 CFR 4333.1 TIAL, SECURITY FRAUD.
Consumer complaint received 2022-12-04
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. (MI)

I recently sent a dispute stating that they are reporting inaccurate and unknown information on my credit report. To this day they still have not removed it and I am attaching proof that it is totally inaccurate reporting. I am furious this is still on my credit report. I also have been seeing big lawsuits against these guys which is a big concern and I am ready to file for litigation if they do not remove after this. They are violating multiple laws and I never heard of half of these accounts they are reporting nor gave them permission to put it on my report. 

I have pretty familiar with Fair Credit Reporting Act and consumer law and will list the violations. 

These are the accounts that still must be removed. 

1. XXXX  XXXX Acct # : XXXX This account is not mine and it has different information across the bureaus and I am attaching proof. 

2. XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached 3. XXXX Acct # : XXXX Never even heard of this company and they are all reporting different information and it must be removed. Proof attached 4. XXXX XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached THESE ARE THE LAWS THEY ARE VIOLATING 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.

I understand they are in a lot of heat right now and all I am asking is that they finally remove these unlawful accounts reporting so I can acquire credit as this is hindering me. I am filing with CFPB to document all of this if I have to file for litigation.
Consumer complaint received 2024-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo called me ( the caller ID said Wells Fargo ) the person on the phone gave me an identification number that they said was their Wells Fargo identification number. They told me that there was fraudulent activity from XXXX. They asked me if I had received any text messages from XXXX and when I said no, they told me that someone had cloned my phone and I needed to log into XXXX and enter Codes that would cancel the fraudulent transactions. I asked them what transactions and they told me there was a {$990.00} amount and a {$1200.00} amount. they had me enter a series of codes and that they said were cancellation codes. And to hit send. after I pressed send I saw that the codes I entered turned into dollar amounts and that they were actually withdrawing money from my account. I asked the person on the phone what this meant and why was the money being deducted from my checking and they said its not being deducted we are sending cancellation codes that will prevent the money from being deducted. I said this feels wrong and I dont understand why the codes you gave me turned into dollar amounts. The man then told me that this is how they escalate fraudulent activity to the supervisors. I said I dont believe that this is correct and I disconnected the call. I immediately called back Wells Fargo to discover that I was not speaking to Wells Fargo in the first place, and they opened a claim and at this point, the money has been taken out of my account. I have screenshots of the peoples names they told me were the supervisors, and I have screenshots of what how the codes turned into numbers. They told me that this is a scam that theyre familiar with and that Wells Fargo would never ask ask customers to do transactions over the phone and that it would take 10 business days for them to remedy this, but theyre not even going to guarantee that they can get my money back even though they recognize that this is a scam that has been happening to other clients