davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : - ; Bankruptcy XXXX  XXXX Reference # : XXXX ; Bankruptcy : XXXX XXXX Reference # : XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-11-05
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. (AZ)

Please Remove it from my Credit Report. If you don't remove them i would like {$1000.00} per violation in accordance with the FCRA. Accounts XXXX XXXX Account # XXXX XXXX XXXX Account number # XXXXXXXX XXXX XXXX XXXX XXXX  Account number # XXXXXXXX XXXX XXXX XXXX  Account number # XXXX Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX Requested On XX/XX/202XXXX XXXX XXXX  Requested XXXX XXXX U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities withfairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothingcan be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminalliability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurateinformation or fails to provide information which he is required to disclose under the provisions of thissubchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of theconsumer given directly to the debt collector or the express permission of a court of competentjurisdiction, a debt collector may not communicate with a consumer in connection with the collection ofany debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protectsinformation collected by consumer reporting agencies such as credit bureaus, medical informationcompanies, and tenant screening services. Information in a consumer report can not be provided toanyone who does not have a purpose specified in the Act. Companies that provide information toconsumer reporting agencies also have specific legal obligations, including the duty to investigatedisputed information. In addition, users of the information for credit, insurance, or employmentpurposes must notify the consumer when an adverse action is taken on the basis of such reports.Therefore I want the following accounts to be updated to the correct amount, date, status, open andclosed date, last date of activity, and time.

If you can not complete this request, please delete theaccounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Consumer complaint received 2023-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

In 2010 I was involved in a period for loan modification with Wells Fargo. 
I paid payments each month during the process, to the amount of approximately {$10000.00}. 
Initially denied loan after many months. 
Upon complaint was finally refinanced and got new contract adding all money missed back into contract with no mention of {$10000.00}. Ever being applied to balance. 
I am a part of the claim on Wells Fargo Settlement process. 
I have all of the paperwork, letters, correspondence from that time. 
Please contact the settlement claim for me. 
Or tell me how to proceed. My account was sent to XXXX XXXX XXXX.
Consumer complaint received 2017-03-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC (TX)

I purchased a motorcycle and financed it through American credit acceptance. I just recently got my transaction history from them and have made {$1400.00} worth of payments only to find out that 70 % of my payments have gone to interest only. this is NOT what I signed up for a 70 % plus interest loan. this loan needs to be re-done and the amount I have paid in {$1400.00} need to come off the principal balance
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (VA)

Following banks have all refused me opening an account, citing consumer report and credit report as reason. PNC, XXXX XXXX, XXXX AND XXXX. CURRENT bank labeled me a liar by refusing to honor a legitimate dispute of unauthorized charges to my virtual card on my checking account and closed me out without my being able to discuss the problem which is internal of the bank itself. I understand but fail to agree with their reasoning. Yes I messed up with some financial stuff, but am I doomed to NOT having a safe place for my Social Security and Pension funds ( $ 3600 monthly ) to be deposited. I do not trust online banking and feel I should be given a chance to prove myself, rather than a flat denial of services.
Consumer complaint received 2023-02-14
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. (GA)

Hello, In accordance with the Fair Credit Reporting Act XXXX  Account # : 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 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. 

Experian, XXXX XXXX XXXX have violated my rights. They arent doing their job according to the law. Which is keeping me from getting a new apartment.
Consumer complaint received 2023-02-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I am a consumer and my privacy has been breached by unwarranted communications by debt collector attorney XXXX, XXXX XXXX XXXX without my consent. They are contacting consumer for an unverified alleged debt for their client PENNYMAC LOAN SERVICES , LLC who is a debt collector and did not give me an alleged loan. XXXX XXXX XXXX XXXX XXXX is in violation of my consumer rights pursuant to the Fair Debt Collection Practices Act. This matter is currently in federal litigation
Consumer complaint received 2023-04-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

Attach to this message is a screenshot of the amount That this collection Agency states that I owe. All of the information on the screenshot listed is incorrect. They have reached out to my employer have threatened to Sue me to try and collect this Incorrect debt which I have no recollection of or have any signatures Or consent tied to this. This collection has just been going up on my XXXX XXXX Almost every month it seems. Starting at XXXX XXXX, XXXX, to now up XXXXthe debt just increasingly goes up every time slightly.
Consumer complaint received 2023-04-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (CO)

I went to get my brakes fixed at XXXX XXXX in XXXX XXXX. I was told my brakes would cost {$540.00} to complete and I couldnt drive off the lot without them done. I didnt have the money so they forwarded me to easy pay finance who I paid over {$900.00} to already and still owe {$340.00}. They are charging 189 % interest. I told them this is illegal and the representative didnt have anything to say and told me to have a nice day. I have been in contact with multiple calls to XXXX  XXXX and no one is getting back. Its the same man that answers when I call easy pay as well. Its a scam and I want my money back and to be out of their system. Thank you for the assistance.
Consumer complaint received 2023-02-14
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 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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2023-02-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

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 - has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX - has violated my rights XXXX  XXXX : # XXXX - {$2900.00} - has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX has violated my rights 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 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I purchased 2 vacations in XXXX from a very well known and popular travel agency named XXXX XXXX XXXX, based in XXXX XXXX prior to the world shutting down for Covid. I made my initial voucher purchase and following that all my monthly installments using my BOA Credit Card. My vacations were ultimately cancelled due to the world shut down, travel being illegal to do and airlines and hotels closing. XXXX XXXX XXXX  assured all customers that once the world reopened and all travel locations were safe to resume business, my vacations would be rebooked and would take place. Of the 2 vacations I had purchased only one was rebooked after the world opened. I was to take that vacation to XXXX XXXX this XX/XX/XXXX, working with the XXXX XXXX. I received word in XX/XX/XXXX that XXXX XXXX XXXX was closing due to the monies lost from tourism shutting down and all people who booked vacations were not receiving a refund! 
Crushed dreams and a broken heart. 
I'm not wealthy to lose thousands of dollars. 
Upon advisement I was told to contact the CC company and dispute the charges to get a refund. BOA has denied me 2 times because the dates of purchase were out of the time frame to retrieve the money. This happened due to the Covid shut down and the company closing after Covid and not in my reporting past the rules... rules that can be changed due to the circumstances of Covid. 
My initial voucher I purchased was for {$500.00} on XX/XX/XXXX I then made monthly installments for {$200.00} 13 times late in XXXX and in XXXX. 
My loss on this credit card is a total of {$3200.00} I submitted all information about the CC company closing due to Covid and BOA had all the proofs of purchase in my account. I also submitted my plea letter that fell upon deaf ears and no one person willing to help me.
Consumer complaint received 2017-02-16
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation (NH)

We have been harassed by " XXXX XXXX XXXX '' for the past 6 months from a so-called debt that was written off over 8 years ago. They have failed to supply us with any kind of validation letter regarding how much we owe, however, it has recently popped up on both of our credit reports. We want it removed immediately.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this SW CRDT SYS ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2023-02-14
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. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 2023-05-28
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. (PA)

In accordance with the Fair Credit Reporting Act, 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 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 15 U.S.C 1681a 2 ( A ) ( i ) : excludes information that is solely based on transactions or experiences between the consumer and the creditor.
Consumer complaint received 2022-11-07
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)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$820.00} ; MEDICAL XXXX Balance : {$43.00} ; MEDICAL XXXX Balance : {$32.00} ; MEDICAL XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX LA XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Consumer complaint received 2017-11-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (TX)

On XXXX/XXXX/XXXX, I contacted the company after they had made repeated ( and frequent ) phone calls to my phone. I told them that I had been out of work for more than 2 years and that I had no money to pay. The person on the phone became abusive with me and I told them to stop calling. They continued to call that day. I made 1 more call to them and told them to remove my number. I assume that they did because I did not receive more calls until today. So far today ( as of XXXX PM CST, I have received 34 calls from them! 

This debt is due to me having to break a lease in XXXX 9 months after I had lost my last job. I broke the lease during the last month because I did not have rent money. The charge is now for the rent for the last month + an additional month 's rent for the reletting fee.
Consumer complaint received 2022-11-07
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. (NY)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-14
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. (LA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-07
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. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.