davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-17
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in 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 the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX Inquiry Date : XXXX, XXXX  Dept of Interior XXXX Inquiry Date : XXXX, 2023 XXXX Bank Delaware Inquiry Date : XX/XX/2023 XXXX XXXX XXXX Inquiry Date : XX/XX/2023 2023
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I noticed after the federal government XXXX changed my ssn my former attorney had me sent out certified letters to all credit bureaus with copies of myself and XXXX  kids social security cards birth certificates school demographics and report cards XXXX XXXX XXXX XXXX XXXX had written letter of disputes and police reports. XXXX credit report got worse. I have over XXXX inquiries and Ive not even had access to my account since the beginning of the year, my information is being bridge via cyber attacks against my devices from home to hide the real criminal activities and Im getting the bad end of the deal adverse actions against me and my XXXX  children. Im getting medical bills out of no where fake guarantors numbers, data breaches from XXXX XXXX XXXX, XXXX has XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  file number XXXX, XXXX XXXX, and XXXX is showing up differently over XXXX times in one year and Ive only reached out to them twice 3 times including today!!! Ive sent updated ssn they never changed it they wont remove XXXX XXXX XXXX, illegally selling my information to accuse me of what the criminals are doing, victimized of human trackifficking then, my kids medical information compromised, XXXX already repetitively getting data breaches from them shows : intersections, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX WITH MULTILOLE DIFFERENT ADDRESSES, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT DONE BY ME OR ISNT MINE ALL XXXX USING DIFFERENT NAMES IS FRAUD IVE REACHED OUT TO XXXX XXXX in the last 2 years. Experian wont give me access to my credit report with the correct information, there is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXLinked to compromised former business XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Multiple cyber attacks, placing government agencies in jeopardy with their servers, KNOLLS MONITORING SERVICE MAILED ME A LETTER OFFERING FREE SERVICE DUE TO MULTILOLE INTENTIONAL DATA BREACHESIM BEING FORCED TO GIVE UP MY PRIVACY HUMAN CIVIL RIGHTS DUE TO 15+ years of fraud, false information, racketeering, misleading information, when i file complaints my health gets worse and so does my kids. Everything I do is being illegally monitored!
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (FL)

I was XXXX and XXXX and had my identity stolen on vacation in XXXX XXXX on XX/XX/XXXX. The criminals stole my XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and my ID. I was passed out believed they slipped something in my drink and woke up with everything gone. I have submitted a police report and found the criminals information online via XXXX. Overall i am having problems with wells fargo reimbursing all of my money back. They gave me back about XXXX of the XXXX that was stolen. I have two transactions with them on the same day of the incident saying one from my savings for {$1000.00} and another of {$2500.00} on my credit card. XXXX XXXX is saying that they were authorized from a secure device that I authorized and will not reimburse me for these transactions. I have been dealing with this since the incident. It is now XX/XX/2023 and i have been denied three times with this claim. I have provided a police report saying that the phone was stolen and it was still denied. I feel like they just keep running me around the block and its literally been over 100 days dealing with this. This is starting to affect my credit report now and I am exhausted dealing with this constantly on my days off and i work 50-60 a week. Can you please help me resolve this it has been going on to long.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I've asked for these accounts to be updated without any late payment remarks being added to my credit report.I consistently make timely payments. I'm certain about this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't be the case. According to USC 1666b, any billing errors should be corrected, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-03-06
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)

Consider this as my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXXXXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2024-05-14
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. (GA)

I have asked the companies to remove inquiries off my report as I am unfamilliar with them. Im being solicited for promotion because of these inquiries and i have requested they be removed from each company. These companies are now invading my privacy per the Privacy act of 1974, FCRA, and 15 USC 1681b : Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
Consumer complaint received 2023-12-19
Product: Credit card — Store credit 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: Duvera Billing Services, LLC (WI)

This company called Duvera billing services on my credit Report XXXX or XXXX times I only have one account with them. I have talked to different people at this building company regarding about them. Getting my critics right now. They refuse to help me and starting to make creditors. Look as if I'm not trying to XXXX. We came to an agreement that I pay {$75.00} Every month until the {$900.00} payment is paid in XXXX I have made XXXX 's payment, XXXX and XXXX They're not reporting it to the credit bureau at all. And I sent over a letter that they sent to me. And they still would not update anything to the credit bill. And I'm not understanding. How is it that they come up with that agreement? But they're not sticking to their agreement. I just want this stuff to be removed off my credit report. I only have XXXX account with this company. I do not have XXXX or XXXX account with this company They are on my XXXX and transunion I have sent over the letters to the credit bureau. And I'm not getting help from them either. So at this point I don't know what to do. But it's draining my credit score and not only that, every month. They hit my account saying close the account. Which is pulling my score all the way down. And that's not cool someone. Please help me with this situation. Because I'm just getting frustrated. And then they just report me to the game XX/XX/XXXX as close account Which just took my account down negative XXXX Points on my credit report again XXXX  XXXX. ) Duvera Billing services {$1500.00} XX/XX/XXXX 2021
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The company has called numerous times between the hours of XXXX everyday including Saturdays and Sundays. They also call after XXXX. The amount of calls they in one day has become so overwhelming my mental health has taken such a toll with this ordeal
Consumer complaint received 2024-07-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (SC)

This collection agency has placed a collection account on my credit report without notifying me prior to doing so. There was no communication from this debt collector BEFORE placing these items on my credit report. I reached out to this company on XX/XX/XXXX and again on XX/XX/XXXX requesting validation of the information that has been placed onto my credit profile and there has been no response from the company. I requested that competent evidence that I have any legal obligation to pay this debt be sent to me via US Mail, and still nothing. 

To be even more specific ; this is what I requested : Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgement, if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent This company has been ignoring me and there has been no communication from this company after I requested the above information.
Consumer complaint received 2023-12-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (FL)

I apply for a loan to get a XXXX online but the seller call me and tell me the I don't qualify for this car and XXXX XXXX XXXX XXXX sell me a Kia he bring the car to delevery in my house I signed the document ovethere but the person never give me a copy or the contract when I go back to the dealer to ask for the contract the seller give me a document different the one the I signed AND I SEE THE dealer open me a JOINT account with my grandfather that fraud and I have the car registration. He is no my cosigner. Is a joint account and I live in Florida.
Consumer complaint received 2019-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO (VI)

XXXX removed funds from our business account without permission. We did not authorize the removal of the funds from our account & they have yet to return the money to the account ; even though we have been speaking with them about it for over 6 months. The attached document shows that this was processed through XXXX and that there is no authorization from the account owner, as there is no signature. * The removal of funds was the same amount as a previous deposit. The original deposit was not disputed by the customer and I have emails authorizing us to receive the funds that the customer sent. We have spoken to the customer and they have indicated that there was never a fraudulent claim made, nor was there a request for funds to be returned. The bank never filed a fraudulent claim or any such thing to state why they would have removed the money without our consent. This is a serious security issue if people can simply remove money from your account without consent ; simply because they have deposited into that account previously.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VI)

For the past several months ( around XX/XX/XXXX ) I have been trying to get my credit report from Equifax due to the fact they continue to report incorrect information. They have accounts I have never seen and accounts from XXXX that are paid in good standing, and I no longer have. 
I am a XXXX XXXXXXXX veteran and I applied for a line of credit. I was turned down because Equifax is reporting incorrect information. I made several attempts for several months now to no avail. I am married for 15 years and all my lines of credit are in my maiden and married name ( it is hyphenated ), they only have my maiden name listed on my account. I went on to their site to print my report and was told it ( Report Blocked for Promotional Purposes ). I called and was told it would have to be mailed, this will take way too long. I need to fix the issue immediately. 
I am way beyond stressed by Equifax and the other reporting companies, everyone is using Covid as an excuse to do what they want. I would like help to rectify this situation. Thank you.
Consumer complaint received 2022-09-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (TX)

Case # opened with Marcus by Goldman Sachs. 

Case # XXXX Case # XXXX Received promo flyers offering higher rate with no penalty over a 12month period. 

See attached copies of promo.
Consumer complaint received 2023-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (OH)

Mr. Cooper bought my loan in XXXX of 2023 and this is a 2nd time that we are receiving email that we are receiving email that some personal info were leaked. See the latest email : On XX/XX/2023, our information security team identified an external threat to our network and locked down our systems while we resolved the issue. Over the following weeks, our investigation revealed that certain customer personal information had been compromised. We have been working closely with cyber security experts to determine the full extent of the impact. 
We can not pay our mortgage or be able to use website if need any info regarding our mortgage. I also do not feel safe with this mortgage company and the way they are handling business
Consumer complaint received 2024-05-14
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. (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 informationisinaccurate.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX Checking account Closing an account FIFTH THIRD BANK XX/XX/2022 Closed Company responded in accurately. They have me in XXXX XXXX and delinquent when they never paid the vendor to charge fees. When there should not had been a charge of over draft because I did no elect it. And when asked for the information they never itemized the charges in my compliant it sent to to me they just created an amount and kept charging fees for that defamation. I shouldnt had accumulated fees on a charge they never settled. This is and error and I want it corrected and removed from XXXX XXXX.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I've always ensured that payments on this account are made on time, never letting them become overdue. However, I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, these should be corrected.
Consumer complaint received 2023-09-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc. (NJ)

I have XXXX XXXX in XXXX NJ XXXX XXXX XXXX XXXX ) I went for my early check up. 
My doctor informed me that I have to make surgery and I have to come back for more checking. I have to pay my co-pay and set up my new appointment. 
I came back to the office and there is a doctor who checked my eyes again and I found he told me different than the first one. at the end of the visit I asked the front desk do I have to pay anything, She said No. 
I went to different XXXX XXXX she told me I do not need surgery just change the lances. 
Later on- I got mail from different facility that I have to pay a bill. I called them and I told them that I never been to your office. She told me the doctor i saw last time in XXXX office is theirs doctor. I told them No body told me I am going to see different doctor from different office and I have insurance through XXXX XXXX. If I am going to see different t doctor from different office I have to check first if my insurance will cover it now they sending me a bell with interest.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

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.

has violated my rights. Or list of inquiries 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.