davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted XXXX multiple times over the past 6 months disputing inaccurate addresses being reported on my credit report. 
The address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX is inaccurate reporting. This address is not associated with any accounts on my credit report. 
This address is showing as my current address while my correct address XXXX XXXX XXXX XXXX XXXX, CA XXXX is showing as a former address. 

Also the following inquiries have no permissible reason or permission from me to access my credit report. All inquries on my credit report with XXXX besides the non permissible inquiries listed below are credit card inquiries while these are financial institutions that solict for FINANCIAL SERVICES which I have not given permission to access my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On or about XX/XX/year>, I made online request to Wells Fargo Bill Pay to issue a check from my checking account to a parking garage merchant. In doing so, Wells Fargo immediately debited my checking account. However, the check was sent to the former parking management company instead of the current merchant ( the error was mine since I had two different payees using the same " nickname. '' ) I realized the mistake when the former merchant mailed me the paper check issued by Wells Fargo - uncashed. I thereupon contacted Wells Fargo to stop payment and credit my checking account. I explained the situation and specifically told them I had the actual check in my possession and it was not endorsed or cashed. Wells Fargo responded to me that they were not able to stop payment on that check, that the check had been cashed and any reimbursement must come from the merchant. I called Wells Fargo 's escalation department and repeatedly asked them to verify the check had been transacted. They said " yes '' yet refused to provide proof. When I called the former merchant, they told me they realized the payment was a mistake and DID NOT CASH the check, instead returning it to me. Wells Fargo refuses to credit my account despite the fact I have the check in my possession and, logically, how could the merchant have deposited the check if it is in my possession. Wells Fargo refuses to credit my account or appropriately investigate this matter.
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Caliber Home Loans, Inc. (TX)

I am writing to you to request assistance in resolving a mortgage issue that has been ongoing and unresolved over a period of months.

I pay my mortgage ( auto-draft ) to Caliber twice monthly in two equal payments. 
These funds are used for the following month 's payment. I paid my mortgage one month in advance prior to starting the twice-monthly payments so that the two payments made in the prior month would be applied to the following month. 
When I inquired about making extra principal payments, I was told via a phone call ( customer service ) that all payments made in addition to my scheduled payments would automatically be applied to principal. 
The extra principal payments were not being applied to principal as I was told they would be. 
Later I noticed that I was being charged a late fee for each month. I was told the extra principal payments somehow confused the computer program? What does that mean? 
Upon calling Caliber, the customer service representative insisted that I was delinquent in my mortgage payments. I was not/have never been. 
I have called Caliber a number of times since then and was told that, because the extra payments were not marked as principal, they were not applied to it ( contrary to my previous conversation with Caliber ). 
On another call, I was assured by XXXX XXXX escalation department ) that I was not delinquent and this would be resolved and to call back. It was not. I called again and was told a message would be forwarded to him. 
In an effort to prevent confusion, I stopped my extra principal payments with my bank ( XXXX ) but have continued to make scheduled payments. 
I am still getting late fees applied to my mortgage... I am not late. 
I am attaching my payment history that indicates my payment, late charges and principal payments. 
Can you assist? I have not had a resolution since I started calling.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

I have exercised my right to privacy and opted out of XXXX XXXX  ( a financial institution ) from disclosing my personal non public information with ChexSystems Inc a non affiliated third party according to the Gramm Leach Bliley Act. US Bank has never supplied me with a notice of disclosing my information to non affiliated third parties nor did they give me a way to opt out. XXXX XXXX  has refused to acknowledge my opt out request by me writing them and filing CFPB complaints. My ChexSystems credit report is now being used IMPROPERLY AND INACCURATE. ChexSystems has to ensure my report has maximum possible accuracy according to the FCRA. As well as, I never gave ChexSystems Inc written instructions to report and disclose my report with XXXX XXXX  in accordance with the FCRA. ChexSystem is now committing fraud against me by conspiring with XXXX XXXX by reporting this account when I never received a noticed saying so. My next complaint will be with the ( SEC ).
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 2023-10-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management took me to court and garnished my pay. The WHOLE amount was deducted from my pay and the judge released the writ of garnishment almost a year ago, but Midland continues to report this on my credit report and charging me interest for 1 year after I have paid off the debt.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (IL)

Equifax provided my personal information to a number of Mortgage companies without my permission. I have received dozens of unsolicited phone calls from local mortgage companies all saying that they received my number from Equifax. Customer service at Equifax stated they do not know why my personal information was given out in a promotion and I never authorized this company to share any personal information. The sheer volume of phone calls I have been receiving has impacted my business and personal time. This is a breech of privacy policy.
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion 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 ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$20000.00}
Consumer complaint received 2023-02-21
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. (CT)

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 2023-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

A debt collection was placed in my credit report saying that I owed XXXX XXXX XXXX and XXXX XXXX {$200.00}. It showed that a XXXX account was opened in XX/XX/2023 and it has not been paid until today. I do not have an account with XXXX XXXX XXXX and XXXX XXXX and I surely never opened one in XX/XX/2023.
Consumer complaint received 2024-05-09
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc (PA)

This company reported this debt to my credit that i supposedly owed without even notifying me. I moved out of my apartment XX/XX/XXXX. And this was reported XX/XX/XXXX for unpaid rent? I wasnt even notified, nor attempted to be contacted until XX/XX/XXXX. Thats when i reached out to consumer collection about this. The girl on the phone was nasty, and ended up hanging up on me. The amount of debt can not even be confirmed. I want this removed from my credit report as i was not attempted to be contacted before this was report, therefore i could not communicate with the company if it was my debt before it was reported. After reaching to the consumer collection through the XXXX they said they attempted to contacted me XX/XX/XXXX which they did and they didnt report until XX/XX/XXXX but in the attached photos you can see it was reported on XX/XX/XXXX BEFORE i was attempted to be contacted or notified. According to the CFPB : A debt collector must use at least XXXX of the following ways to contact you about your debt before it sends information about the debt to a credit reporting company : Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered Also, if you have received a validation notice about a debt from a debt collector, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. 

Therefore i want this removed from my credit as i couldnt verify this debt as mine before it was reported to my credit.
Consumer complaint received 2023-10-04
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. (CT)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (TN)

I have been harassed at XXXX point daily for money I did not owe. I could not afford a lawyer and they took me to court even after never serving me papers or letting me know. I have time and time again disputed this amount as I do not owe it and it's a result of identity fraud that occurred. I have proof from the IRS that this happened and they refuse to acknowledge it and would rather threaten me and call members of my family in an attempt to collect a debt that doesn't belong to me and is being falsely attributed to me. 

They have also never once provided any evidence or proof that this is mine and have no way of certifying it.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair credit Reporting act XXXX  if XXXX account number XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-10-04
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the mistake,, XXXX  is reporting a wrong account in my credit report, they can not bring me enough information about this account.. i dont recognize this account as mine ....
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I saw a Car in their XXXX  page ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ), a XXXX XXXX XXXX XXXX XXXX, I sent a message to their XXXX  message, then they reply to me to switch to XXXX  #, it was XXXX a person called " XXXX XXXX '' ( don't know if it is his real name ) reply to me, send an information about the car, without a VIN #, and ask me to pay half of the value, and the rest will be paid at delivery of the car in my house in XXXX. Negotiation included cost of the car, shipping & handling in XXXX with local # plate included. This negotiation was on XXXX XX/XX/XXXX ( XXXX {$9400.00} ). Then on XX/XX/XXXX he asked me more mone for the container XXXX {$4900.00} ) in which the car will be shipped and then on XX/XX/XXXX asked me more money for the shipping insurance ( XXXX {$5500.00} ), all of this XXXX last transaction was supposed to be returned at delivery. Then on XX/XX/XXXX ask me more money ( XXXX {$2600.00} ) for the clearance an all procedures related to XXXX XXXX and taxes, which was supposed to be included in the initial price of the car. All the payments was done via Wire transfer to a Bank XXXX New York XXXX Bank of America N.A. XXXX # XXXX ) on the name of a XXXX XXXX. XXXX  with address XXXX XXXX XXXX XXXX in XXXX GA, XXXX gave a webpage tracking shipping ( XXXX XXXX XXXX Tracking i XXXX XXXX page that I was checking constantly and showed me the process of shipping, until XX/XX/XXXX page is not working any more ( " This site cant be reachedCheck if there is a typo in XXXX. If spelling is correct, try running XXXX XXXX XXXX. DNS_PROBE_FINISHED_NXDOMAIN '' ). Also this XXXX XXXX is not replying to my messages, last thing that he said to me was that he was XXXX XXXX XXXX fixing a money problems related to cars also. On XXXX  on the pic of the car that I bought I comment that I bought the car and that it was not delivered yet, and they deleted the comment and blocked me. Also in between the process of negotiation this " XXXX XXXX '' offered me if I need another things from XXXX he can use the container to send it which I replied yes, I needed some parts for my cars in XXXX, I sent the information and charged me with an extra XXXX {$1200.00}. In total I paid XXXX {$23000.00} and I'm getting nothing. Thank you for your time.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I disputed this alleged debt online, I mail formal dispute to both collection agency XX/XX/2023 who are reporting the alleged debt to my consumer report and I request document proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service; the name of the patient ; and the proof that there is some contractual obligation which is binding me to pay this debt. One of the letters I sent is still in transit and hasn't been deliver, which can only lead me to assumer XXXX XXXX is reporting a false address on my consumer report and is not allowing me to exercise my rights to dispute anything on my credit report that is inaccurate. I was never notified in writing in reference to this alleged debt. Which is a violation of 15 USC 1692g. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act
Consumer complaint received 2023-10-04
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. (DC)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-11-12
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

I asked Comenity Bank XXXX XXXX XXXX XXXX for an explanation as to why when I paid the entire balance in full every month was I also being assessed interest fees. They said because the 12 month interest free account had rolling dates that required different payment dates which was shown in a separate section of the bill in small detail. However, when you add those amounts up- which I did every month- they added up to the full interest free amount I paid by the due date. In the fine print in a separate section of the bill it says that amount had to be paid by XX/XX/23 which was a month PRIOR to receiving the statement. The bill closing was XX/XX/23 - after the date in fine print- and the bill due date to avoid any interest fees was XX/XX/23 which I honored. Then in XXXX I paid the entire remaining balance to {$0.00} before the due date and received a bill for {$41.00} for interest due. So, on those three months statements ( XXXX, XXXX, XXXX ) despite paying the full amount required to avoid interest in advance of the payment due date on the statement I was charged interest of {$72.00} ( XXXX ), {$61.00} ( XXXX ) and {$41.00} ( XXXX ) for a total of {$170.00}. I asked XXXX the Comenity Bank service rep to refund these charges since I had paid the amount needed to avoid interest in full each month prior to bill due date. She declined because the fine print in the separate section of the bill said I would have had to make those payments BEFORE I ever received the bill. How would I do that? I believe this interest fee practice is at best misleading and at worst fraudulent. I believe it is designed to take advantage of consumers who believe they have paid their bills in full ( to receive interest free credit as promoted ) in order for the bank to generate additional bank revenue when in fact there has been no added expense or purchases. My request is for a full refund of the {$170.00} since I paid my bills in full or ahead of time every month upon receipt of my statement.