davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
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: BARCLAYS BANK DELAWARE (FL)

I was XXXX and my credit profile was used by people in my family, when I was XXXX I finally got my things together and was able to get into XXXX XXXX and seen a number of things I did not do or sign up for.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collection Management Holdings, LLC (CA)

I see collection accounts showing up on my report from a collection agency reporting an original creditor that I never had an account with. I believe that they are try to collect from me for an account i had 7 years ago that has falling off my credit report, and using another creditor name to collect a debt. This is a violation and fraud.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (AL)

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.

The letters are stated with items and issues.

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 2024-03-30
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. (VA)

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-03-12
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. (CA)

On XXXX2023 I sent to XXXX, XXXX and Equifax the letters pretaining to the removal of personal information due to identity theft I sent in the forwarding documents and I received no response nor was the information removed. XXXX keeps reaging accounts that should have been removed and they fail to remove information that is incorrect.I feel that XXXX is retailiating against me because I am a consumer in the class action lawsuit against the company. 15USC 1681 I ( 5 ) States that everything has to be complete and accurate. 15 USC 6802 States " No financial institution is suppose to share my information to third party people. My federal consumer rights are contioniusly being violated. 15USC 1681 section 602 A, states " I have the right to privacy, also 15USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. In which these accounts are violating my rights. acct # XXXX XXXX XXXX/ ( XXXX XXXXXXXX XXXX, acct # XXXX XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) acct # XXXX XXXX XXXXXXXX, acct # XXXX XXXX XXXX. 
15USC 1692 section 805 A in which XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights as well.
Consumer complaint received 2024-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Recovery Management Solutions LLC (CA)

Recovery Management Solutions LLC, has harassed myself and my children and ex wife by calling a XXXX number and harassing my ex wife with an account that doesn't even belong to me. I spoke to XXXX employee Id XXXX whom confirmed that the account information doesn't even belong to me. I also spoke to their compliance officer by the name of XXXX XXXX who was rude and condescending however tried to clean up their mess by saying it was a mixup and that they had removed the information from ever being contacted. 

Enclosed is proof from my XXXX child that they called her and my ex wife.
Consumer complaint received 2024-03-30
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. (MA)

1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

1681N-Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

XXXX XXXX XXXX ( late payment ) account # XXXX PLEASE HELP ME WITH THIS INACCURATE LATE PAYMENT REMOVE/DELETE XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX THESE ACCOUNTS WERE OPEN WITHOUT MY PERMISSION OR CONSENT PLEASE HELP ME REMOVE/DELETE OUT OF MY CREDIT REPORT..
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$30000.00}
Consumer complaint received 2023-10-20
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. (NY)

Social security number is XXXX Equifax Information Services LLC my credit report theirs is negative item that's 90 days late late four is XXXX my complaint is that it supposed to be removed from my report I have a federal trade commission identity theft report on file
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Tri-Cities Finance Company (TN)

Tri-Cities Finance ( company ) works in cahoots with car dealership to pray on people who are at risk of being taken advantage of like myself ( thats why i have a power of attorney granted on my behalf because I am XXXX and can not make many sound financial decisions on my own as I am unable to understand due to my learning XXXX XXXX ) who are in desperate need of a vehicle and strapped for cash. What happened was I believe that on XXXX XXXX I inquired about a XXXX XXXX for sale with XXXX. They told me the particular car I was inquiring about was in the shop getting repairs needed to be 'sale ready ' so-to-say. Next, they delivered said vehicle to my home which I thought was odd to begin with, but said car was also followed by a tow truck like vehicle which I thought was even stranger because I had been told car was in perfect condition. Because the sales people assured me that the car had no problems, and that if any problems arose to contact them and they'd make sure to fix them, I continued with the sale under the impression they would honor their word when discussing the terms of the sale. Well they did not. Within 2 weeks the vehicle was overheating and acting funny. I contacted the dealership, received no help or assistance from them. Fast forward just another 2 weeks or so, and the car I was told had no issues was broken down on the side of the road. An over {$15000.00} car I was just sold as a consistently operational, dependable vehicle was just nonfunctional junk they sold me. I tried calling the dealership numerous times and left messages only to be totally ignored. They knowingly had sold me a troubled vehicle they promised to have fixed ( if need-be ) and now I could not get in contact with anyone. Finally, my girlfriend had emailed them several times, each email getting a tad more angry and finally they responded. They basically told me I knew the vehicle had issues and since I had not purchased a warranty it was my problem not theirs. But the issue here is that they sold me the car telling me it had no issues because they had been fixed when in fact, they had no been fixed because the car broke down just several weeks later which provides clear evidence that the vehicle was not in fact ever fixed. They also sold it to me under the grounds that if problems arose ( again ) they would fix it guaranteed. None of this happened and I was defrauded by them.Tri-Cities Finance knowingly aided in this.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (TX)

I applied for the GM Business Mastercard and uploaded my passport card as identification. I received an email stating only a driver 's license or state ID can be used. 

I am XXXX and do n't drive and use my passport card or passport for ID since it lasts 10 years and I don't have to keep renewing every few years. 

GM customer service refused to accept a federal ID that I have used for employment, to open a bank account, to fly around the world, and to fly within the United States. 

This harms people that are XXXX.
Consumer complaint received 2024-03-30
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

So last year XXXX XXXX ( owned by Bank of America ) locked my brokerage account with no notice for any reason. I have contacted customer service multiple times and the customer service assured me they would reach out to the team who handles then contact me with an update. All three times I have not received any followup communication nor any status regarding my account. Would like to resume using my account but no information on the reason for the limited access nor a solution on how to fix.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (CT)

XXXX wrongfully charged my Venmo account and took out {$600.00} and I never authorize this. I made it dispute with Venmo who took the money back from XXXX but did not put it into my account! 

VENMO TOOK THE MONEY AWAY FROM XXXX BUT REFUSES TO GIVE IT BACK TO ME! They have stolen my {$600.00} and refuse to listen!! The stress of this has been so great that I had just XXXX XXXX XXXXXXXX I need help or something even worse is going to happen!!
Consumer complaint received 2024-01-23
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 (PA)

Hello, this is in regard to a an unauthorized charge by XXXX on XX/XX/XXXX  to my Wells Fargo credit card. XXXX  is an app that pairs homeowners with extra space with people seeking vehicle storage. Ive used the app numerous times, and in this instance I booked a space that was advertised for {$100.00}. I completed the booking process, agreeing to a single charge of {$100.00}. I stored my RV in the space for a period of 5 days. Later, a duplicate charge showed up on my statement, which I disputed. I later found out the price I paid reflected a 50 % discount that required booking multiple months to maintain eligibility. 

Had the company indicated that I was ineligible for the discount at the time of the transaction, I would not have booked the rental, or if they had contacted me later and stated that the rental price would be double the agreed price, I would have changed my reservation. Instead they initiated a second, unauthorized charge to my credit card, a decision I disagree with. Likewise, strongly disagree with Wells Fargos insistence that I bear the burden of the unauthorized charge Attached are images showing the advertised pricing in the XXXX app. They make no mention of their intention to charge doubly if multiple months arent booked.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XXXX, XXXX  I made a purchase using my Capitol One Credit Card. When I did not receive my order a month later, I contacted the vendor. They claimed they would send again. I never received it and contacted them again the end of XXXX. I still have not received my order. I have email verifications. At this point, I just want my money back. The vendor advertised themselves as XXXX.
Consumer complaint received 2024-03-30
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. (GA)

XXXX  claims they investigated an account and contacted the data furnisher to verify the account however they BLATANTLY LIED. I was never late on this account? Who did XXXX speak to from XXXX XXXX XXXX? What is their name and email address? If XXXX  claims they received a copy of the notice that was sent to me by XXXX XXXX XXXX via green certified mail return receipt with my signature on it proving they notified me in writing prior to furnishing negative accounts to my consumer report please provide it or update this account to PAANL ( Paid As Agreed Never Late )
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (SC)

In XX/XX/2021, my wife and I were given a move out balance owed by XXXX XXXX XXXX XXXX XXXX. We paid the balance, moved out, and were never notified of owing any additional amount. 6 months later, we were contacted by Fair Collections & Outsourcing claiming we owed {$100.00} and this amount was instantly reported negatively on our credit reports without us having a chance to pay or dispute. The debt was never verified or explained what it was even for, but we were deceived into paying it as a settlement under the belief that this would result in it being deleted/removed from our credit report due to misleading statements by Fair Collections & Outsourcing. We have attempted to dispute it multiple times, but only XXXX has given us a fair dispute and removed it from our credit reports, XXXX and XXXX just believe whatever Fair Collections & Outsourcing tells them even though there is no proof for them to have allegedly verified. Fair Collections & Outsourcing has ignored the issue and any communication as they continue to pillage erroneous collections illegally.
Consumer complaint received 2024-03-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (FL)

In 2017 I was given a quit claim deed from what was then my landlord to assume the rights to the property I was renting due to his illness and our close relationship. Soon after he was killed in a tragic accident. I contacted wells Fargo after registering the deed with the county and was told I had no rights and that the home would be foreclosed on. I then received a letter stating I was not responsible for the property or the debt and that the documents were a formality. I contacted several attorneys and was told I needed to deal with the executor of the estate who I had never met or has never had anything to do with the the property and who is legally XXXX and under someone else 's care. After being taken out of work because if the XXXX XXXX issues I was dealing with from XXXX I continued trying to save my home but ran out of finances and was still being told there was nothing I could do I was no longer able to pay. The mortgage was XXXX in default. At the end of the foreclosure proceedings I made one last attempt and was told by the lawyer that in the documents filed that I was accused of forging my deed which is Untrue and that the property was going to auction. The day before the auction a perspective buyer approached me at the home and in formed me of the rights I in fact had and offered to pay the delinquency in order to keep the foreclosure from effecting my credit. Unbeknownst to me I could have saved my home and would not be homeless for the last 2 years and separated from my family. I had no other choice but to agree and have since lived like a vagrant and have suffered physically, mentally, emotionally and spiritually.
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rocket Mortgage, LLC (CA)

Rocket Mortgage engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on for them to report to 3 credit bureas. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. Due to them reporting this late payment i have been denied credit cards, car and house loan and I am about to be homeless. I have not been late since i got the account with them. They have made an error in reporting the account late i have been on time. They have defamed my character and I have to go to therapy due to them stopping my lively hood of me being denied credit from every creditor because they see this late payment reporting. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1986 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1986 XXXX