davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I, XXXX XXXX recently noticed there were multiple items on my credit report that are suppose to be excluded from my report that are not from TransUnion. I believe this to be a violation of 15 usc 1681a ( 2 ) ( b ) which states in the exclusion section - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I sent TransUnion a notarized affidavit ( XX/XX/XXXX ) with a certified receipt ( XXXX XXXX XXXX XXXX XXXX ) that was received by them XX/XX/2021. TransUnion violated my rights in section 15 usc 1681a ( 2 ) ( b ) There were 24 violations included in my affidavit as well as Exhibits that were Marked A-J. 

I also sent TransUnion an invoice for ALL the violations against me that added up to {$24000.00} for 26 different violations. Which it's a 1,000 per fcra violations.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

A couple of years ago, I had a catastrophic event that prevented me from paying my XXXX XXXX bill. They quickly snowballed my minimum payment amount to well over {$1000.00}, which wasn't feasible when I couldn't even make the regular minimum payment. 
I called several times to try to work with them, but they wouldn't accept a lower payment. Finally they transferred me over to internal collections, who breezed through three different payment plans, discouraged questions, and refused to send me anything in writing, telling me that it was a " one-time offer. '' I refused to agree to anything without being given something in writing beforehand, so she hung up on me. 
I then found out that XXXX reported me as deceased. I have tried to contact XXXX to correct the issue, and I have reported the error to XXXX and Experian, but I have not been able to remove the " Deceased '' designation from my file. This has resulted in multiple negative impacts - making it difficult to resolve accounts, only being able to qualify for a ridiculously high interest rate on a car loan, and being denied a secured card to help improve my credit scores.
Consumer complaint received 2021-03-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

I have been submitting disputes with the three major credit bureaus and none of them have responded to me! I have serious erroneous items on my credit file and I have been getting no where. Since XXXX I have sent multiple disputes and deletion letters and yet nothing seems to get done. The bureaus must remove things from my credit! Under the law you have 30 days to respond to my disputes and its been MONTHS.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

My credit report says I have 100 plus precent credit usage. This has stopped me from being able to get a car. Im a single mother of two. When I looked into it I seen credit one was reporting my closed account as a balance towards my line of credit but took away the line of credit as the account is closed. Iv contacted credit one four times over the last two months and have paid as I can. My account is current on payment and is also closed. The only line of credit I have open is XXXX. Iv attached a screen shot of that as well.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

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.
Consumer complaint received 2021-03-10
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. (AL)

The account on my credit report with Westlake Portfolio is reporting incomplete information that I have disputed multiple times with Experian. The information is still not correct and the account is still on my credit report. The payment history is incomplete with missing payments. The account was opened in XX/XX/XXXX. However, there are no payments reported until XX/XX/XXXX, which is over a year from when the account was opened. There are also missing payments throughout the payment history. This is incomplete information and a violation of the Fair Credit Reporting act.
Consumer complaint received 2023-05-11
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. (TX)

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, 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 2017-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

On XX/XX/XXXX I received an email notification that my statement was available online. I was shocked to discover that I had exceeded my credit limit by approximate {$600.00}. 

On XX/XX/XXXX I reviewed my statement online and contacted Discover. To put this as succinctly as possible, there were a total of 17 transactions authorized beyond the credit limit. 

The first transaction exceeding the credit limit was on XX/XX/XXXX. Subsequently, an additional 16 transactions were authorized, including the final transaction pending on XX/XX/XXXX, the day I called in. 

Discover agreed not to charge an over limit fee, and also agreed they would not be charging an over limit fee in subsequent statements, under full knowledge that, if I only paid the minimum amount due, I would still be exceeding my credit limit by {$350.00} at the time of the discussion on XX/XX/XXXX. 

While it may be nice from a consumer standpoint, to not have been charged an over limit fee for a transaction that exceeds the credit limit, I find it incredibly excessive, and possibly abusive, that the company would continue to allow an addition 16 transactions to be authorized over the course of the next 3 weeks, resulting in a balance approximately {$600.00} above the credit limit. 

While I appreciate the company agreeing not to charge any over limit fee, I am concerned they may raise my interest rate, and perhaps more importantly, they have put me in a position of debt that I never had to be in. 

I feel that some type of penalty should be incurred for Discover 's practice in this matter. I fear that I may not be the only consumer dealing with this scenario, and I am filing this complaint to be proactive and make sure this practice does not continue.
Consumer complaint received 2017-09-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (IL)

AT THIS WRITING PLEASE BE ADVISED THAT I HAVE TRIED ON NUMEROUS TIMES TO GET CLARITY IN REFERENCING TO THE SERVICING OF MY MORTGAGE LOAN : -PROBLEM STARTED WITH THE SERVICING OF MY LOAN FROM XX/XX/XXXX-XX/XX/XXXX BY MT BANK SEE ( exh.A 8 pgs customer activity statement printed by MT BANK-showing current balance {$230000.00} ) - on XX/XX/XXXX requested a qualified written request ( " QWR '' ), never received a reply.
on XX/XX/XXXX because of limited funds I seek free services from XXXX XXXX XXXX XXXX XXXX A 501 ( 3 ) non-profit XXXX XXXX XXXX. who followed up on my request in reference to my request, and XXXX XXXX rec.the following attached dated XX/XX/XXXX ( exh.B ) refusing to reply to my request. 

- see ( exh.C ) XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX showing no late payments. 

-on XX/XX/XXXX see ( D ) on XX/XX/XXXX case information summary from XXXX County Clerk of Circuit Court Electronic Docket Search the alledge servicer XXXX XXXX XXXX stated that they is the morgtor and MT BANK was the servicier and they was directed to file foreclosure complaint by their fir t attorneys XXXX XXXX XXXX which later merged with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX. 

on XX/XX/XXXX XXXX send a payoff which was not ordered by me stated that cerified funds needed to reinstate is XXXX. XXXX withdraw from the case XX/XX/XXXX
Consumer complaint received 2023-05-11
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. (CA)

Attached you'll find the identity theft report I filled out with XXXX XXXX You will see the accounts listed on the report. 
XXXX XXXX {$850.00} opened in XX/XX/XXXX XXXXXXXX XXXX {$13000.00} opened in XX/XX/XXXX XXXX XXXX XXXX {$2700.00} opened in XX/XX/XXXX XXXX XXXXl {$13000.00} opened in XX/XX/XXXXXXXX XXXXXXXX {$580.00} opened in XX/XX/XXXX The credit bureaus are reporting inaccurate information that doesn't pertain to me under 15 USC 1681. I am in the process of buying a house and it's also a defamation to my character and livelihood
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (FL)

Due to XXXX XXXX own negligence they allow someone to open several accounts in my name and because they did n't take the proper protocol I have several accounts on my report that they wont remove. I will not give any company a dime and I wasnt responsible for spending the dime. I have contacted them on several occasions to fix this matter be for I take legal actions against the company.This is having a negative impact on my credit. Why would anyone open so many accounts at one time and that doesnt give the bank a red flag XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (KY)

On XX/XX/23 my XXXX XXXX informed me that there was a new hard inquiry from XXXX XXXXXXXX XXXX. I did not approve this nor have I ever applied for a card through XXXX XXXX. I contacted them and they shut the application down and told me to contact the 3 credit bureaus. I contacted XXXX, Equifax, and XXXX. They put fraud alerts on my account. I am unsure of what to do from here as this has impacted my credit score and the credit bureaus do not seem to be resolving this issue. Any help is greatly appreciated.
Consumer complaint received 2024-03-22
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2021-03-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

I handled whatever debt via modifications that included all loans years ago. XXXX XXXX XXXX is aware of this but claims they somehow acquired a debt I modified and worked long and hard resolving with my creditors. Back in 2012 I filed a complaint XXXX with the FTC against XXXX XXXX XXXX to stop harassing me over a debt collection they didnt even rightfully own and has been dealt with directly with my creditors. I would like a cease and desist order given to XXXX XXXX XXXX as they think they can continue this after all this time when it wasnt valid in the first place. Also note they switch stories on which home they are collecting on my rental or primary residence so they know they have no legitimate claim and are making things up.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

Lease was opened on XX/XX/XXXX and it was a early turn in and it reported an open balance of {$660.00} on XX/XX/XXXX and this balance was paid in full and this shouldn't be reporting as balance owing.
Consumer complaint received 2023-05-11
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. (VA)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

There are two bankruptcy public records on my credit report that are incorrect. My name is misspelled on my credit report. My legal name is XXXX XXXX XXXX but the apostrophes arent listed on my credit report. Also, the bankruptcies were submitted without the apostrophes in my first and last name which is inaccurate. I want these two public records removed immediately.
Consumer complaint received 2021-03-11
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. (PA)

This account was open due to identity theft I submitted my claim with the FTC and I have my FTC report number XXXX XXXX XXXX XXXX D/B Original creditor Name : XXXX  XXXX XXXX I would like it removed immediately I contacted this bureau several times by mail and phone
Consumer complaint received 2021-03-11
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. (PA)

This account was open due to identity theft I submitted my claim with the FTC and I have my FTC report number XXXX XXXX XXXX XXXX D/B Original creditor Name : XXXX  XXXX XXXX I would like it removed immediately I contacted this bureau several times by mail and phone
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (CA)

Years ago ( 2006 ) I had a XXXX and XXXX mortgage with Stearns lending. Later my loan was transferred to several different companies ( because of the market crash and Stearns going under/companies experience buyouts etc. ) I eventually got a loan modification with XXXX. I am now with XXXX  and have continually paid my mortgage on time. I am currently in the process of refinancing and when they pulled the title a lien from Stearns lending shows up on the title. The lien was not removed during the loan modification which was through the XXXX  XXXX XXXX program. I have reached out to every company I can ( all except XXXX because they are no longer around ). I can not get anyone to help me remove the lien. The main company who should remove the lien is Stearns lending XXXX or XXXX if they were still around ). Stearns lending told me they would look into it, but now I have heard nothing. This is a mess and is likely going to make it so that I can't refinance the house and will never be able to until the lien is removed. I do not owe the money on the lien because it was absorbed with the loan modification, but everyone wants to point fingers and tell me I need to contact this company or that company. I just want XXXX to do the right things and remove the lien. I tried to contact XXXX XXXX XXXX but basically the program is no more ( its now HOPE or HARP I believe ) so they also said they could not help me to sort it out. I just need someone to please help me with this issue.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

My issue is : there are {$11000.00} in fraudulent purchases on my account, and for the past year the Chime team hasnt helped me to recover these funds, despite evidence and supporting documents Ive provided.I provided highly detailed information proving that someone stole my money out of my account such as POLICE REPORT, PROOF THAT I WAS XX/XX/XXXXWHEN MY MONEY WAS STOLEN, AS WELL AS ALL INFORMATION NEEDED TO MAKE THE PROPER DECISION TO GRANT MY CLAIMS! THIS HAS INCONVENIENCED MY LIFE IN A MAJOR WAY.Claims # XXXX, # XXXX
Consumer complaint received 2021-03-10
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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (AZ)

In XXXX We contacted Wells Fargo bank in an attempt to ask for help with possibly reducing our monthly bill and getting our account on track ( we had been behind on payments ). We spoke to the customer service rep who helped us initially get into the COVID-19 program with Wells Fargo. We were able to get our monthly payment to a more manageable number. During that call we were not notified that we had to pay any past due balance. 

We followed Wells Fargo 's instructions to a T. We made our next scheduled payment on time ( In XX/XX/XXXX ). When we called to make the payment in XX/XX/XXXX were spoke to customer service again because when we went to pay the bill we saw a past due amount on the account. We called again and asked what we actually need to pay. The rep sounded confused but added that we pay the new payment amount that was agreed upon last time we spoke to Wells Fargo in XXXX. We accepted what Wells Fargo told us at that time and made our payment. Just shortly after that we were notified by our credit monitoring service that we had a negative report show up on our credit report. I saw it was from Wells Fargo and I was VERY ANGRY. We called Wells Fargo immediately and initiated an investigation into the first call. The supervisor I spoke to advised he would investigate the calls we made and listen to the recordings and then get back to me by the end of the week. We are now at least 2 weeks past that date. I wrote a letter to the Wells Fargo Executive office and advised how we had been treated by Wells Fargo and that we had not recieved any help with our situation.

I find that it was very unfair that Wells Fargo would ding us on our credit, it was not made clear to us that we would still owe a past due amount at the time of the first call. If we were made aware we definitely would have paid the past due amount at that time. I am requesting that the last 2 late payments for XXXX and XX/XX/2021 to be removed from my consumer report.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

A company is trying to collect for a debt ( that I do not recognized as mine very old ) I was not living in USA, back in the year XXXX I moved to XXXX, I just came back, to USA in XX/XX/XXXX, I did suppose to start working but due to the Global Pandemic everything has been chaotic. 
I have already spoke to them that is not my debt or it was paid but they keep bothering me with letters that dont showed amount owed so I called a XXXX and the person was just rude don't let me talked so I got stressed and I hang up. 
with all the stressed we all living due to covid. I just cant stress over a bill I dont even think is mine. i sent a letter asking them not to contact me anymore. 
ENHANCED RECOVERY COMPANY LLC XXXX XXXX XXXX XXXX XXXX FL XXXX