davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
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: Self Financial Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account 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 an 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 purpose.
Consumer complaint received 2019-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I was on my bank account and I saw a transfer for {$7400.00}. I immediately called the fraud department and filed a claim with XXXX. He froze are account that night. The next day I went on my account and noticed they paid it. I immediately called them again and talked to XXXX. He told me it was pending so they paid it. A gentleman from the fraud department called me about three days later and asked me information about are internet provider. I told him we have unwired broadband for are home and XXXX for are phones. He told me that the transfer wasn't from are XXXX and they were investigating more. So three weeks went on and we heard nothing from Bank of America. So we went to the bank and talked to XXXX XXXX on XX/XX/2019. We sat down with him and closed out that account and opened a new one. While we were going through all the information, he read back are phone numbers and there was a phone number on there that didn't belong to us. I believe it was a XXXX area code. XXXX proceeded to remove that number and called the fraud department. He told us are money would be back in are account the next day. So we left it at that. We have been to the bank numerous times and don't seem to get any help. Three weeks ago my husband went to the bank again and spoke to XXXX XXXX again and they put him on the phone with fraud department. They proceeded to tell my husband the declined are complaint and said it was are IP address. They said they tried calling us at the XXXX number. I have been a customer of Bank of America for 29 years. I have had the same number for 17 years. XXXX XXXX said he removed that number because it wasn't ours. They also told us they would call us back. We haven't received a phone call, email or mail from them. I sent a email to XXXX XXXX. The lead investigator for fraud and she will not respond to us. I tried calling she is always busy and wont return our phone calls. We are starting to think this is an inside job. We can't get no where. We want are money back. We told them we want proof of there findings and want to appeal there decision. A friend of ours told us to us to contact you guys were hoping it helps. If not we are ready to hire a lawyer. We did not make the transfer and if they would investigate they would see we didn't do it and that number has no association with us. We just want some answers. Also we have a filed a case with XXXX XXXX XXXX department.
Consumer complaint received 2017-11-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Protection Association, L.P. (FL)

This collection company has been trying to collect on a debt since 2016. For an old cable bill. And calling me and saying they have a fax order to deliver to me. But do n't send it. The bill is from a old cable bill Bright house in witch sold out to XXXX XXXX. 
When i called spectrum stated that they did not want my money on this bill. And when the collecting agency and threaten me with court. and this company has been calling with all different numbers. 
And i called them and told them not to call my number they persist calling. Now they are using a privet number witch i blocked. And when the numbers show up on my caller id they say spam or fraud.
Consumer complaint received 2023-03-06
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)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-09-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation (TX)

I owed a debt to XXXX XXXX XXXX who turned the unpaid debt of XXXX to a collection service United Revenue Corporation ( XXXX ) XXXX. I set up a auto draft of XXXX monthly to draft for 6 months and pay in full, no settlement. The auto draft was paid for 4 months bringing the balance down to XXXX. I was unexpectedly hospitalized and off work this week and could not afford the auto draft. I called the company and spoke to a rep named XXXX. I informed her I wanted to cancel the auto draft and make smaller payments monthly in an amount I could afford, depending on when I go back to work. She told me that if I cancel the auto draft, my account would be reported to the credit bureau. She put me on hold for a while and came back to say that she had notified the cashier 's office to cancel my auto draft and I was now subject to being reported. I asked how to make monthly payments in the future to pay my balance in full and was given the info to call in and make monthly payments because they would no longer accept a check from my bank, only credit cards. I informed her that I would notify my bank not to accept any further drafts from her company and report her to this office for threatening me with harm to my credit report. At that point she became rude and I discontinued the call.
Consumer complaint received 2023-10-27
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. (GA)

In accordance with the Fair Credit Reporting Act, this Creditor has violated my Rights! Under Act 15 U.S.C 1681 section 602 says have the right to Privacy. 15 U.S.C 1681 section 604 A section 1 t also states a consumer reporting agency can not furnish an account without instruction. Under U.S.C 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose XXXX XXXX XXXX XXXXXXXX XXXX  : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2800.00} XXXX XXXXXXXX XXXX Owed : {$0.00}.
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC (AL)

My name is XXXX XXXX. At the time of my accident XX/XX/2022, my name was XXXX XXXX. My insurance company paid {$16.00}, XXXX received XX/XX/2022 and my gap insurance paid {$240.00} received on XX/XX/2022 which left my principal balance at {$320.00} and as of XX/XX/2022 it was according to XXXX XXXX of complaint department {$310.00}. I've attached the email/attachment to confirm this. I made a payment arrangement for $ XXXX starting XX/XX/2022. Late XX/XX/2022 our family was going through hardship so I called to have my payments reduced to $ XXXX. I lodged a complaint and a XXXX called me. I told him my situation and asked him if he could change my payment to $ XXXX. He said no but I could make the $ XXXX payment because the interest will not be damaging. Now, I believe I've overpaid this balance yet I keep receiving threatening emails ( attached email ). Or they are charging me a lot of interest. I'm writing you to investigate because something isn't right. I feel like they are taking advantage of me.
Consumer complaint received 2023-03-06
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: Westlake Services, LLC (NY)

In accordance with the fair credit Reporting act XXXX  Account # 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 purpose.XXXX XXXX
Consumer complaint received 2017-11-22
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION (AR)

I gave permission to XXXX XXXX XXXX to run my credit for a car loan, I did not and was not told my credit would be ran XXXX times on XXXX XXXX and XXXX times on XXXX. I was under the impression they run your credit XXXX time and use that report with potential lenders. I was not made aware my credit would be ran and hit my credit report that many times!
Consumer complaint received 2023-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I have tried to explain this with Midland collection about this account that does not belong to me. I explain to him to the company that I did not authorize it and I have a fraudulent alert on my account. I have a file with the credit bureau in reference to the original company XXXX XXXX XXXX they took out the inquiry off my account and because it was fraudulent and not authorized but they refused to take off the Midland credit collection agency, who is seeking to get money from me That I did not authorize I have written letters and inform them, and they still refuse to remove it from credit report. I asked him to provide me with a signature of where I established a credit relationship with XXXX XXXX XXXX, or a XXXX XXXX credit card. they deleted the inquiry because it was fraudulent, but not the collection because XXXX XXXX insist on me paying money for a fraud They refused to send any proof of my signature or anything else to prove it was me
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (OH)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-07-07
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: EQUIFAX, INC. (FL)

I am filing this complaint because I wrote to equifax regarding accounts reporting on my credit report that were inaccurate and/or violates the fcra. They have ignored my disputes and my request to have those accounts removed. According to the fcra they are required to delete all information pertaining to those accounts. Please resolve this as soon as possible. Thank you
Consumer complaint received 2023-02-20
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. (MD)

I'm " XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few items that require deletion. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). I'm confident the contested items are settled : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XX/XX/2022
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (LA)

Hello My name is XXXX XXXX. I paid XXXX XXXX my XXXX XXXX XXXX XXXX XX/XX/2021 to get inaccurate information removed. Most was removed. I then paid them XXXX each XXXX  I had XXXX  The ad promised 3-4 months I stayed in credit repair a year and a half. Still paying dues. After losing everything trying to pay them more because supposedly I had a lot of work to do. They stated we gone take care of you. Then they started avoiding me and my calls. I was XXXX XXXX XXXX XXXX  Referring people to them for credit and they still never paid me my referral fees. I decided to take my story live. They called the police had me put out of the salon for {$50.00} both rental on the Friday it was due.MY credit went from XXXX XXXX for XXXX and XXXX. I HAVE disputed everything I dont recognize BUT what I did recognize is their addresss and numbers on applications and my credit profile.. I HAVE PLACED A LOCK ON ALL OF MY INFORMATION. I Have not APPLIED FOR ANYTHING BUT A REFRIGERATOR AND THATS WHEN I FOUND OUT they are using their information on my profile. I Have disputed every detail with all 3 credit bureaus and will disputed with all consumer files.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

My checking account was frozen and I could not access any of my funds after I tried to have an inheritance check deposited. I first tried depositing thru the drive thru but was told there would be a hold on the funds or that I could take the check elsewhere to get it cashed. I tried doing a mobile check deposit and the bank put a freeze on my account stating that the check had already been deposited once. After 10 days part of my funds were released but not all because another freeze was placed on my account as to which led up to the bank closing my account completely without good cause.
Consumer complaint received 2023-02-18
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: WELLS FARGO & COMPANY (CA)

In XX/XX/2023, Wells Fargo has reported wrong zero balance on my credit card to all credit reporting agencies. BUT IT IS NOT ZERO ( See Attached Document ). Thus, Wells Fargos reporting zero balance - caused my XXXX score to DROP BY XXXX POINTS ( See Attached Document ). 

I plan to sue all credit bureaus for FCRA violations on or about XX/XX/2023 - seeking damages and attorney 's fees for this XXXX points XXXX score drop and also for any " eventual subsequent '' XXXX score drop. 

Wells Fargo to immediately re-report the correct XX/XX/2023 Credit Card Balance Credit bureaus to fix this error and restore my original XXXX score of XXXX - if not FCRA lawsuit shall follow on XX/XX/2023
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-18
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. (CA)

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 Balance : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

I used to have XXXX.. I wanted to switch to XXXX due to them having better service and them being able to buy me out of my contract ( XXXX ) .. Everything was paid and NOTHING was owed WHATSOEVER! I get a letter in 2017 from a company called " XXXX '' asking me for 73 dollars and some cents ; I don't remember the exact amount, but they were shaking me down for money from XXXX, I called XXXX customer service and asked them what was going on and asked them if i had owed anything and if I was on ANY bad terms with them ; they replied no and that everything looked green on there end.. I have disputed this XXXX " debt '' for a long time asking for validation and proof, and I AM getting no where with my letters I have been sending to XXXX/XXXX/XXXX! Please help! I refuse to pay something I don't owe, and if i were to owe something, how come I cant get SOLID PROOF?
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (TX)

Loan Care reported 30day in XX/XX/2023 we are currently in XX/XX/2023. Loan care received payment on XX/XX/2023 which is within 30days. Theyre reporting inaccurate data that has caused an hardship on my financial status and employment. Ive called several customer representatives was told I would receive a call back from a manager that day and its been over two weeks no call, and no notification from from LoanCare. This mortgage company is practicing unethical behavior, causing injury to the consumer.
Consumer complaint received 2023-03-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: U.S. BANCORP (OH)

So I applied for an Auto loan with U.S Bank on XX/XX/2023 because me and my family are in need of a new vehicle and I was denied the loan. Now we have to figure out how we can move around from work and daycare and its taking a toll on our expenses right now. One thing I do know is that by consumer 15 USC 1602 Chapter 41 Sub Chapter 1 that I have an Open end credit plan and by me being denied this loan, I am being denied my rights as a consumer. Also, when I gave them my social security number I know that when they ran my credit card ( which is my social security number ) anybody who ran it got paid something and in return from me giving them that I was denied which is not legal. I have contacted them and they were only telling me that I was denied and that is all they can do for me. I also received the denial letter and on the bottom of the letter it states that they can not discriminate anybody who has in good faith under the Consumer Credit Protection Act.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to TRANSUNION Consumer Reporting Agencies by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2019-09-03
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. (TX)

My last name has a typo that needs to be corrected. My last name has an " A '' at the end, not an " O ''. 
This typo seems like an alias which I don't have or use or need to use ever. 
This last name has a typo most likely made by a clerk unbeknownst to me.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

My last name has a typo that needs to be corrected. My last name has an " A '' at the end, not an " O ''. 
This typo seems like an alias which I don't have or use or need to use ever. 
This last name has a typo most likely made by a clerk unbeknownst to me.