davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ID Analytics, Inc. (MI)

I am writing to express my serious concerns regarding the information contained within my credit profile, which I believe violates my rights under the Fair Credit Reporting Act. 
It has come to my attention that certain details within my credit report are inaccurate and have been reported in violation of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. Specifically, I am dismayed by the inclusion of the following information, which fails to adhere to the necessary standards of accuracy and notification as mandated by federal law. You must understand that you can and will be civilly liable for violating my rights as a consumer of the United States Corporation.

Under the provisions of the Fair Credit Reporting Act, it is abundantly clear that the handling of certain aspects of my credit account has not met the required standards. Specifically, according to 15 U.S. Code 1666 ( a ), creditors are obliged to inform consumers at least 21 days prior to considering a payment late. It is evident that such notification was not provided in my case.

Furthermore, it is imperative to recognize that the definition of a " credit card '' extends beyond traditional cards and encompasses various forms of credit instruments, including those essential to personal identification such as Social Security Cards and Driver 's licenses. You have failed to realize these mistakes on your behalf and IGNORED MY INITIAL STATEMENT, UNDERSTAND THAT YOU should remove these items immediately. You have also failed to recognize that only I, the original creditor, can verify. I BELIEVE THAT YOU MUST LOVE WHEN PEOPLE SPEND THEIR PRECIOUS TIME LEARNING ABOUT THE NUMEROUS WAYS THEY ARE BEING VIOLATED BY A FINANCIAL INSTITUTION LIKE YOURSELF. You are also in violation of Under 15 usc 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report.. You are required by law to exclude transactions [ any form of payments that are late ] from my credit report. This law is under the exclusion section and means that no transaction or information solely based on experiences between the consumer [ myself ] and the person making the report [ you, the COLLECTOR/CREDIT REPORTING AGENCY ] should be on my credit report. I must emphasize that this letter is not issued on behalf of any third-party entity but represents my personal grievance against your organization 's practices. The knowledge I possess regarding these matters has been acquired through painstaking research necessitated by the shortcomings of your operations.BE AWARE that you are civilly liable and this letter is not from a third-party source. This knowledge that I have acquired has been obtained through the long, suffering hours that you have caused AND WILL BECOME YOUR DEMISE IF YOU DO NOT COMPLY.
Consumer complaint received 2023-05-08
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX Email : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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.

Remove these late payments and update the account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (FL)

My wallet was stolen on XX/XX/2022 A few months after that I was notified by my credit monitoring that my credit was going down. I looked into the matter and there was a card that I have never opened. The card was American Express. I called American Express and notified them of everything. They told me not to worry they that they handle everything. A XXXX  later they are still saying not to worry but nothing has been done to clear the charges and they are reporting me for not paying my bill every month. 

I have provided them with my address, bills, police report of stolen wallet. 

Every time I call I feel like they are lying to me and not trying to help.
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We have been paying our mortgage on a biweekly basis sending over half a payment at a time for several years without any problems. XXXX XXXX sold our loan to Nation Star mortgage and we continued to pay biweekly. Nation Star began sending letters saying that they put our partial payment into a " suspense account '' until the remainder of the mortgage payment was received. The letters were regularly inaccurate saying we owed double our regular payment at times. We contacted Nation Star regarding these letters and were told to disregard their collection letters that our payments were current. We continued paying biweekly and ignoring their constant harassing daily collection calls and inaccurate monthly letters telling us funds were in suspense showing inaccurate amounts owed. 

We have since found out that Nation Star has reported to credit bureaus that we are delinquent on paying our mortgage payments causing our credit scores to drop over XXXX points. We have contacted Nation Star to have them review our account and were told they are right ; we are delinquent and owe them money. After protesting and attempting to go over our recorded payments since they took over our loan in XX/XX/XXXX, I was rudely told I can fax them information of our payments for them to further investigate. I printed my credit union 's records of payments for a year, and faxed the information to the Customer Service Rep XXXX XXXX with the fax number she provided on Friday XXXX/XXXX/XXXX. 

We attempted to follow up with Nation Star on Tuesday XXXX/XXXX/XXXX to verify they have received our fax and have not received a return call. This is unacceptable to us. 

In error I sent a double mortgage payment via ACH in XX/XX/XXXX in the stress of this situation. I requested to have the extra payment returned to my checking account, but of course Nation Star will not return my money since their records show I am delinquent.
Consumer complaint received 2023-04-28
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. (OH)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$5.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-07-10
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX/DEPT OF ED Balance details 0 % paid off Balance {$21000.00} Balance updated XX/XX/XXXX Original balance {$21000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$21000.00} Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NJ)

I was scammed and sent a fraudulent check for a job I thought I was being hired for. I deposited the money into my checking account and {$400.00} was available initially on XX/XX/year>. The full amount was available on XX/XX/year>. Wells Fargo ok 'd the check and put the full amount of the check into my account on XX/XX/year>. I was told to XXXX the amount of the check to someone else for the job, thinking this was for a job I was getting hired for. I discovered that this was a fraud on XX/XX/year> and reported the incident the day after ( on XX/XX/year> ) to Wells Fargo at a branch close to my home. Wells Fargo did some checking on their side and told me that this was fully my fault, the check was blocked by the other bank, but Wells Fargo still put that full amount of the check into my account. I was working with the claims department back and forth, and also with a broker at the Wells Fargo bank close to my home. The claims department was not helpful at all, did not do enough research, and some of them were very rude, I ended up generating over XXXX complaints because no one ever reached out to me to let me know of the status of my case. Wells Fargo wants me to pay them back the entire amount of {$4600.00} of that fraudulent check. They also want me to go to XXXX to retrieve that amount of money from them. I can not get to speak to anyone at XXXX, instead, I have to type a complaint via their online form and hope to hear from someone. I have been a customer for over 20 years with them, never bounced a check, and my own bank can not even back me up. I reported this crime right away to the bank after I discovered it was a scam. Wells Fargo put an alert out that I can not open up a new account at any other bank until I pay them back this full amount of money. I am being labelled as a risk. This is absolute XXXX.
Consumer complaint received 2023-11-16
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. (KY)

I am consumer. I am XXXX XXXX XXXX, XXXX # XXXX. This written by me and not a third party or law firm. TransUnion is obligated by FCRA to report accurate accounting consumer has advised all reporting is still inaccurate and missing data. I requested TransUnion send METHOD of VERIFICATION in 15 days three times. I have not received it. TransUnion has continued to violate my consumer protected rights. I am NOT requesting a reinvestigation and I am NOT requesting e-oscar report. According to LAW TransUnion had 15 days to provide the documentation used to verify my disputes. TransUnion must provide me with the name of the person spoken to, documentation used, consumer signed wet ink signature written. If TransUnion does not have documentation to show there were in fact accurate it must removed ASAP. Consumer is seeking monetary damages according to FCRA 15 USC 1681o, Civil liability for negligent noncompliance and 15 USC 1681n civil liability for willful noncompliance violations {$10000.00}. TransUnion commission file number XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX will be filing form 211 treasury omb form to audit consumer account. XXXX is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2023 I used my personal PayPal account to pay for an online order for goods from merchant XXXX. The total amount for this purchase transaction was {$150.00}. The merchant provided an estimated delivery date of XX/XX/2023. By XX/XX/XXXX, the order had been assigned a tracking number but had not been delivered. The order status on XXXX showed a XXXX waybill number, but the tracking results did not reflect that the order had actually been shipped. I rasised a dispute for the transaction with the merchant, and received an e-mail response promising a full refund within 6 days. By XX/XX/XXXX the refund had not been issued, so I contacted XXXX customer service via chat. Unfortunately cutomer service did not issue the refund as promised, so I then filed a claim through my PayPal account. On XX/XX/XXXX, I still had not received this order from XXXX. Nevertheless, PayPal thinks the order was delivered, and denied my claim without any explanation. I did not receive any documentation from the merchant or from PayPal when my claim was denied.
Consumer complaint received 2024-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Under section 809 ( b ) of the Fair Debt Collection Practices Act, upon written consumer request you are required to provide proof and verification of any debt being collected. Therefore, I hereby formally request that you provide the following within 20 days : 1. A copy of the original Bill of Sale or Assignment document legally transferring this specific account and amount from the original creditor to your collections company.

2. Proof that you are licensed to collect debts in Texas. 

3. A copy of your complete records on this alleged debt, including the chain of title documenting proper transfer of this debt 's ownership from the original creditor to any subsequent owners, culminating in your company. CERTIFIED COPIES ONLY in order to ensure no alterations or modifications to original documents. 

NOTICE THIS IS NOT A REQUEST FOR CONFIRMATION OR VERIFICATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS, i.e. MERELY EVIDENCE OF DEBT. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT. 

This is my only attempt to resolve this matter before litigation
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I have the XXXX XXXX XXXXt card I have been paying. I noticed today that every month I've been being charged ridiculous fees for " Card Security '' for which I have not signed up or have been notified that I was being charged. I use automatic payments and have not realized I have been charged hundreds of dollars within the past year. Within the past 3 months, I've been charged {$50.00}. Other months charged me over {$40.00} for a single month. It is absolutely ridiculous.
Consumer complaint received 2018-08-30
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: EQUIFAX, INC. (GA)

I have been dealing with this issue with Equifax for quite some time. I had two accounts opened without my authorization and have sent in all documentation necessary to substantiate this. Yet, Equifax continues to " re-investigate '' these accounts over and over with no result. This has been a huge burden on myself and my family because it is preventing me from purchasing a home. I need these accounts to be deleted once and for all because they are not valid.
Consumer complaint received 2024-02-02
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: Bread Financial Holdings, Inc. (CA)

Here is a brief description of the incident. On XXXX XX/XX/XXXX, I had visited Sephora in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I asked the store associate to create my free account. While creating a free account I was asked by the store associate to provide details about my SSN and other information. On asking if this would impact my credit score, she said no it would not. I asked her why this is required since I am only creating an optional free account, she assured me that it is just the policy. However, on the application, I did not fill my income details correctly, since I did not want to apply for anything at all except for a free account. Days later I received a letter which mentioned my application for Sephora Card issued by Comenity Capital Bank was rejected based on lack of account information. On XXXX XXXX, I saw that there was a hard inquiry done on my XXXX account. 

I had never asked for creation of a Sephora card issued by Comenity Bank. My Credit score was impacted due to this. Keeping this in mind, I have raised an identity theft fraud report and will be sending the report and relevant documentation to XXXX and Comenity Bank. I am disputing the hard inquiry that was done against my credit account. 

On XXXX XX/XX/XXXX Comenity Bank told me that it would undo the hard inquiry that was raised against my credit report and would inform XXXX. However, it is currently XXXX XX/XX/XXXX and XXXX has reported that it has not received any kind of communication from Comenity Bank. I have recorded audio calls as a proof for this. In view of this, I am raising this identity theft report so that my issue is resolved ASAP.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Back in XX/XX/2016 I filed bankruptcy due to Loss of employment. I included the debt of XXXX XXXX XXXX XXXX of XXXX and recently tried to apply for a checking account with XXXX XXXX XXXX XXXX and was Denied because this Bill Collector and XXXX which I also filed another complaint against decided they were above the bankruptcy law and decided to put a debt that was included on the bankruptcy filed back in XX/XX/2016 Case # XXXX. I received a letter of denial from XXXX XXXX XXXX XXXX   Today. Due to them retaliating against me filing for a bankruptcy this is causing me a hardship of not being able to open up a checking account. I will be filing a lawsuit against XXXX, XXXX XXXX XXXX XXXX , XXXX  and Chexsystems. If this does not get removed off of my Chexsystems  Report ASAP. Under violation of the bankruptcy code.
Consumer complaint received 2021-03-03
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. (AL)

I have several disputes of a chapter XXXX on my credit file. I disputed and ask TransUnion to renivestigate and provide me with proof this public record belongs to me, and who is the furnishing the information. TransUnion is giving no proof of investigation!! TransUnion just reporting it was investigated with no proof of where the information is coming from.
Consumer complaint received 2023-11-02
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. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance Owed : {$280000.00} ; XXXX XXXX Balance Owed : {$23000.00} ; XXXX XXXX XXXX Balance Owed : {$5400.00}.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

The accounts listed below are all listed improperly and it is law to report accurately on consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX