davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington mortgage is refusing to delete the account that was deleted from XXXX XXXXXXXX XXXX and last payment was XX/XX/2014, none of the information they are reporting is correct, credit bureaus are not wanting to remove it, even though they have the information when it was deleted from XXXX  XXXX XXXX, same account that Carrington is illegally reporting.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Skrill USA, Inc. (CO)

On XX/XX/2024 I opened an account with Skrill for the first time. It's a checking account that offers a physical card and a virtual debit card only when you make your first deposit. at the time I deposited {$1.00} to the account so I could order my card, they pulled the money from my account but it never hit as a positive balance and it never credited back to the original account it came from. Then when I did get a deposit in my other bank account on XX/XX/XXXX and transferred it over to Skrill, they immediately restricted my account for absolutely no apparent reason, and minutes to follow I received an email of them closing my account. I had to wait until the next business day to call and when I spoke to th rep, all he said is they decided to do an audit and my account was flagged as going against their terms and conditions and they chose to close my account. He refused to let me know what terms I violated saying that they can't disclose this information. I asked him why it was open for two weeks with them rewarding me with increases etc, but the very moment I deposit money into my account they decide to restrict it and close it..I asked how I violated their terms and conditions simply depositing money. And he couldnt answer me..I 've attached screenshots of the emails and transactions into that account..it 's like they just waited to take money just to make it difficult to get back..I 'd like to get my money available for use on Skrill, or immediately refunded back to my card it came from with immediate use. This is ridiculous and without jumping through their hoops. This is insane to wait until a deposit is made and instead of denying the deposit, they take it from me.
Consumer complaint received 2015-04-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

This dispute is against Equifax. When trying to refinance my mortgage I discovered I have no credit files, no credit score and my date of birth was changed from XX/XX/XXXX too XX/XX/XXXX. I immediately put a fraud alert on my credit files. Equifax has done nothing to correct these issues. They only corrected my date of birth. This would seem to be an easy fix but it has been a nightmare. Equifax needs to correct this now as I can not refinance my high interest rates.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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.
Consumer complaint received 2024-02-06
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. (MO)

Lies and ploys is all this greedy worthless predatory company does you CAN NOT VIEW ANYTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-02-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (OH)

XXXX XXXX and their collection agency ( Hunter Warfield, Inc ) have been continuously harassing me since XXXX for a fraudulent application to their company. I am a VICTIM of identity theft in which I have been fighting since XXXX, and not just the evil bad people doing this to me, but the companies that keep allowing this to happen to me because they clearly dont take FRAUD/IDENTITY THEFT seriously. 
I have filed so many FTC reports against XXXX XXXX and their collection agency ( Hunter Warfield, Inc ) since XXXX but clearly they think this is a joke and CONTINUE TO HARASS ME! 
Companies like XXXX XXXX and their collection agency ( Hunter Warfield, Inc ) clearly don't care if innocent people like me have FRAUD ALERTS on MY CREDIT REPORT and MY CREDIT FROZEN, they just give the evil bad people credit in my name and then come after me, the innocent VICTIM!
Consumer complaint received 2024-02-06
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. (MO)

Once again experian closed complaints today without addressing the issue which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On the XXXX of XXXX, we noticed a few charges under my name that we did not recognize. Two for XXXX XXXX XXXX XXXX ( one being {$38.00} and another at {$83.00} ) Another charge was for XXXX for {$160.00}. I received a replacement card within a couple of days. Today, XXXX, I noticed they started reversing the charges and found a document that stated that they determined there was no fraud. There were no details, but it did say that we could request the information they used to determine the outcome. I called USAA, and kept getting talked over til I gave up, and my wife tried to get a hold of someone else. They had no documents nor information to provide on why they determined that outcome. They told us they had no idea why it was closed and stated there was nothing they could do. The two XXXX charges were from an ATM at a XXXX, and I have never used an ATM there. I barely ever use an ATM. They even told us that we needed to go to the locations of these places and investigate ourselves and get footage of who did it. I'm not sure why they call what they do an investigation if they're delegating the job to us, and not doing what they're required to do. I'm not a police officer, and companies have no obligation to provide me with XXXX camera footage. Why am I suddenly playing detective?
Consumer complaint received 2023-07-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (NJ)

I filed bankruptcy on XX/XX/XXXX and the bankruptcy was granted on XX/XX/XXXX. I forwarded a copy to Onemain Financial but they continue to report the loan as late on my credit report.
Consumer complaint received 2023-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (CA)

Hello I am submitting this complaint because of a mistake that caused my credit score to drop for a reason that is not my fault at all. The Loan was 60 months long, which was all on autopay. And on the last month that it was supposed to take the money out to fully pay off the loan, the company failed to take the money with the autopay and I also did not get any notifications or emails about it. Now it is a late payment on my credit report and I am not the one at fault. The loan company failed to take the autopay. I also contacted my bank on which the autopay was under, and when I spoke to them they mentioned that no one even tried to take money out of my checking account on the date of the payment. I contacted the loan company and they told me to contact my bank about these inquiries. It is a very mistake which is not owned up by the loan company, which also caused my credit score to drop down horribly. Please fix this mistake because I should not be charged with a late payment on my credit score because the loan company was not consistent enough to check on their autopay or give me any notifications that I have not paid. The last payment was only XXXX dollars, do you think I would ever not pay the last XXXX dollars for the loan, it is literally the last payment for the vehicle. The whole loan consisted of XXXX dollars. Why would anyone with the right mind just not want to pay for the last payment on the loan. It is a problem that needs to be fixed from the loan company, and should not be ignored at all.
Consumer complaint received 2024-02-06
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. (MO)

Another lie from this predatory company STILL WORKING ON THE ISSUE WHICH REALLY MEANS THEY ARE NOT WORKING ON ANYTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (IL)

I pulled a copy my my credit report and i noticed a collection account that's not mine. I asked the company to verify the account according to the FDCPA and to send documentation of the account showing any contract or signed document and they sent a bill or summary inwhich that is not a Validation of Debt. 

Company Name : CCS COLLECTIONS # XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX reported my mortgage payment late ( 30 days ) in the month of XXXX which is not accurate. I originally submitted the payment on XX/XX/XXXX from another financial institution and wired funds to cover the mortgage payment. XXXX XXXX XXXX XXXX had technical issues corresponding with XXXX XXXX XXXX online access to receive the wire. After being on the phone with CSR ( customer service representative ) from XXXX XXXX XXXX XXXX and XXXX over an hour, we were finally able to get the wire submitted to the credit union. The wire posted into the account the next morning of XX/XX/XXXX and I transferred the payment amount on that exact date to my mortgage loan of {$1200.00}. I have had this loan with XXXX XXXX XXXX XXXX since XXXX of XXXX. Refinanced in XX/XX/XXXX. I have NEVER been 30 days late before. This mortgage payment was made and transferred to the proper account before the XXXX calendar day of the month. I'm seeking a credit reversal to reflect accurate information on my credit report.
Consumer complaint received 2023-12-23
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-11
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. (TN)

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. 
XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX & XXXX : XXXX XXXX XXXX and XXXX XXXX XXXX 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 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 2024-02-06
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. (MS)

I recently submitted a dispute for a collections account due to account being a medical debt less then 12 months old which is violating reporting laws. Dispute was updated within less then 24hrs stating that account was verified as accurate but I was not given any proof of verification and account is still illegally being reported on my credit. 

Account : XXXX XXXX XXXXXXXX {$2800.00} I also disputed inquiries on my report which were not made by me. Company also verified these inquiries as accurate, however I have been shown zero proof as to where I am the one that authorized these inquiries. I have reported fraudulent activity to the FTC multiple times however the credit bureaus continue reporting these fraudulent inquiries on my report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (NC)

I hope this letter reaches you in good health and spirit. The reason why Im writing because I purchased a rental car from XXXX on XXXX for {$63.00}, XXXX  put a hold of {$300.00}. The {$300.00} is still in my balance but not in my transactions. This needs to be fixed. My transactions are not adding up with my balance because of that hold. I called yesterday and spoke to XXXX and she was no help and wasnt not even listening at all. I spoke to a man last week that saw what I was talking about. Can you please fixed my balance to reflect my transactions. This is on my credit card with Wells Fargo. Thank you very much for your time and help. Have a wonderful day and please continue to be safe.
Consumer complaint received 2017-12-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC (NJ)

I was/am sick for a very long period of time. I have insurance through my dad and briefly through XXXX. I have barely been working throughout the past five years. This company without my knowledge unfairly took advantage of me and hurt my credit score with a bill that is not even valid and is many years old.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 6o2 states I have a right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-25
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. (TX)

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). I demand that you block these alleged accounts Pursuant to 15 USC 1681c-2. You Credit Reporting Agency did have permission from me the consumer to furnish any alleged debt to my consumer report and that is a direct violation of 15 USC 1681a ( d ) ( 1 ) which states a consumer report means any written, oral or other communications. 15 USC 1681a ( d ) ( 2 ) ( B ) also states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer report. All the account listed in the Identity Theft Report are all extension of credit that need to be removed. You Credit Reporting Agencies have a obligation to follow procedures pursuant to 15 USC 1681e ( b ) to assure maximum possible accuracy of the information that is being furnished on my consumer report. Pursuant to 15 USC 1681i ( a ) ( 5 ) when an account is inaccurate or unverifiable it should be deleted immediately. You will be held liable for willful non compliance and physical and emotional damages. Pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) no more than {$1000.00} fir each violation you have violated. Also 15 USC 1681o for negligent non compliance an I will be seeking remedy for the damages you have caused for failure to obey federal law.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX | XX/XX/XXXX : Account number : XXXX, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



Sincerely, XXXX XXXX