davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Consumer complaint received 2018-08-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I am attempting to close with XXXX XXXX XXXX XXXX. I have requested the us of   XXXX XXXX XXXX in XXXX Michigan to handle the loan policy being issued. The credit union is forcing me to use Transaction Title in XXXX XXXX. I do not wish to use them as it will cost me more money
Consumer complaint received 2018-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX I transferred {$370.00} from my Wells Fargo XXXX account to XXXX XXXX ( XXXX ) to purchased concert tickets from an ad on XXXX As soon as the money was transferred he disappeared and there were no tickets transferred to me. Many attempts were tried to contact him but to no avail. The phone # he was using is XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-02-26
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XX/XX/XXXX Accounts, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I have credit cards from back in XXXX and now it no credit records its dated XXXX. I still have the credit cards. No impact on my credit. I'm not being reported correctly on both ends, Equifax won't even update my credit and my true background report. 

Everytime I apply for a mortgage or a vehicle, here come incorrect credit collection. They are just putting anything they can on my credit and it's effecting me I have a family. How is possible when credit mean so much for someone to lie and report false information? It stops a person from advancing in life its illegal. I should not have fake credit problems. Show something truly delinquent.
Consumer complaint received 2024-05-16
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. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX - XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-08-26
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: Experian Information Solutions Inc. (FL)

On XX/XX/2023 There were two unauthorized hard inquiries on my credit. I have submitted a police report of it being a fraudulent attempt to all of the reporting agencies. 
In accordance to the fair credit reporting convergence act the inquiry on XX/XX/2023 by XXXXXXXX XXXX XXXX  ) AND XXXX XXXX XXXX XXXX XXXX ) VIOLATES MY RIGHTS 15 U.S.C 1681section 604 A section 2 states a consumer reporting agency can not furnish an account without written authorization. Please delete from my report immediately
Consumer complaint received 2023-08-26
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: EQUIFAX, INC. (AR)

This is my 2nd Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want it to correct : XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXXXXXX XXXX XXXX Balance : {$10000.00}.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-15
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: U.S. BANCORP (IL)

There is an unauthorized inquiry on my XXXX XXXX credit report from US Bank. I have attempted to have this corrected with both XXXX XXXX and US Bank to no avail. XXXX XXXX continues to send me letters informing me that inquiries remain for two years instead of deleting the unauthorized inquiry. US Bank is not responding to requests to delete the inquiry. 

According to the Fair Credit Reporting Act, erroneous or incorrect information can not remain on a person 's credit report, including unauthorized inquiries. 

The inquiry needs to be removed immediately
Consumer complaint received 2024-05-16
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. (PA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-10-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I am a XXXX member and due to my age XXXX and a XXXX  I was looking for a safe way to get a used car and not be misled. XXXX referred me to XXXX, Sales Manager and I met with her first emphasizing the only car I wanted was one not in an accident and one owner and lower mileage. She was out the next day and in the meantime I saw a car on XXXX and called XXXX to report that XXXX was off so who should I see. They then referred me to XXXX since XXXX was not available I had spent a couple of days looking for a car and wanted to see the car that was reported to be with XXXX XXXX XXXX. I had seen this ad for the car on XXXX XXXX XXXX XXXX with XXXX miles, XXXX  owner, no accident at XXXX XXXX XXXX XXXX XXXX XXXX. Finally XXXX wrote when I could come in to see it. I was told later by XXXX he should have shown me a document outlining XXXX discount but he instead said he is giving me a better deal than XXXX. He again guaranteed this car was XXXX owner, no accident and showed me the car. I saw a dent and several scratches however he said these were minor. I bought the car based on information they provided. I then contacted the guy who repairs my cars who also works at XXXX to make sure he had time to come over and get the scratches out. I brought the home and a few days later XXXX came over and when he looked at the car he could not do anything because he was shocked at the damage. He said I WAS DOOPED due to the fact this car was clearly in an accident which was any car professional would know clearly by looking at it. I called XXXX XXXX  and had the advocate from XXXX speak to my pro who observed the damages and he clearly stated I was misrepresented as this car had much damage to repair. She then called the manager XXXX XXXX who said he would call me today but I never heard from him. I did let XXXX know I am filing a grievance due to fraudulent misrepresentation and want this car to be repaired.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OK)

I am not liable for this debt with XXXX XXXX  and do not have a contract with Midland Funding LLC. They refused to provide me with the orginial application like I asked and continued to report a negative account to XXXX, XXXX and XXXX. On XX/XX/2018 ; Midland Funding LLC began to report a balance of XXXX on my credit report. I disputed this account with XXXX and explained that I did not have any account that reflected this bank or this amount owed. Midland Funding then decided to update the balance on the account to {$1800.00} and reported the dispute as resolved and the dispute was closed. I disputed this account again for ownership and asked the creditor to validate the debt with a signed copy of my application to this company or the pry contract, the company provided neither documents. Instead, Midland Funding verified the debt as accurate and no further changes were made to the account. I do not acknowledge this debt and request that it is removed from my credit report immediately.
Consumer complaint received 2023-08-04
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. (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.

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 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Experian, I called Experian and spoke to XXXX at XXXX on XX/XX/2023 He said my address needs to be confirmed with documentation. 

I tried to Upload a copy of my DL with my current address to Experian.com/upload - and that does NOT work. 

He said to then call back first thing tomorrow to have the address added again with the supported documents ( proof of address ) they said a DL with the current address would work but if you wanted to also include a utility bill or any other proof thats fine too. 

Attached you will find : - drivers license - social security card - proof of address Please update my address on file and correct this as soon as possible - I have tried to apply for credit and denied as they say they cant access by Experian file.
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NY)

Dear Sir/Madam, I am writing to file a formal complaint against Apple Card regarding an incident that occurred on XX/XX/2023, which has left me deeply concerned and dissatisfied with the services provided by the company. 

On the aforementioned date, I received a notification from Apple Card stating that my card had been " restricted. '' The notification did not provide any specific details or reasons for this restriction, leaving me bewildered and worried about the status of my card. 

The only potential reason I can fathom for the restriction is a transaction I made on Friday morning ( XXXX monthly installment for {$880.00} ), which may have been deemed unusual by the company 's systems. However, I promptly verified this transaction through the Apple Card app, confirming that it was indeed me making the charge. I expected this action to resolve any issues related to the transaction and assumed that my card would function normally thereafter. 

Subsequently, I received a phone call from Apple Card, which I missed due to a prior commitment at work. I have since been diligently attempting to contact the company to gain clarification regarding the card restriction and to resolve this matter. Unfortunately, my attempts to reach out to Apple Card have been met with limited success. The only response I have received is that my card is currently under review, with no indication of a specific timeframe for resolution or further communication. 

This situation has left me feeling not only frustrated but also concerned about my financial security and the protection of my personal information. The lack of transparency and information provided by Apple Card regarding the reasons for the card restriction is deeply troubling. It leaves customers like me in the dark and without proper knowledge of why our cards have been restricted, thereby hindering our ability to address and rectify the situation. 

I firmly believe that this situation is not only unfair but also unacceptable. As a loyal customer, I deserve to have my concerns addressed promptly and to be informed about the status and reasons for any actions taken on my account. I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and ensures that Apple Card takes appropriate measures to rectify this issue promptly. 

I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if you require any further information or clarification regarding this complaint. Thank you for your assistance in addressing this issue.
Consumer complaint received 2023-03-06
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. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-15
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
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: EQUIFAX, INC. (MO)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.