davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2019-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2019-12-11
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (NY)

My student loan payment is due the XXXX of every month, for the month of XXXX I paid it on XX/XX/XXXX. Due to XXXX the payment at the bank did not go through to the Fed loan services until the XXXX. As can be seen in my attachment below. Then ( what you can see in the 2nd and 3rd attachments that on XX/XX/XXXX fed loan services attempted to take the payment again which they did not have the authority to do because I do not have them signed up to have any type of withdraw access to my accounts. I pay them every month on time. Well, there were no funds in the account because I had already paid them, and that caused my account to be overdrafted {$35.00}. Then again on XX/XX/XXXX they tried to do the same thing which caused my account to be overdrafted yet again. I have attached those documents as well. Finally on XX/XX/XXXX they sent me an email saying that they had never received my payment and that they were going to continue to try to keep taking the payment from my bank account. I checked my bank account so that they took the money, I called my bank confirm that they took the money, called them and they refused to accept the fact that I took the money and wanted to tell me that they were going to continue to try to take my money until they got it. I then had to go call the bank and have a three-way call with them to explain to them that they did have their money and that they continue to try to take their money after they had it and that they shouldn't have been able to do that. 
I went ahead and filed a complaint with the better business bureau because I feel like this may be a scam that is affecting thousands upon thousands of people. What I feel like they are doing is trying to take money in hopes that you do not notice and then you just have made extra payments for no reason. Because I asked them what would have happened if the money was in my account to take and they said they would have just added it towards a payment and I would not have been able to get it back. That does not seem okay to me, I can barely afford to pay one payment a month let alone two. When I asked for some type of explanation as to why this happened, a technical error, a glitch in the system, something, no one had any answers. Hence why I feel that this is a scam and needs to be made known of because I don't know if anyone else is being affected by this. But I would imagine that they are.
Consumer complaint received 2022-12-22
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. (TN)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XX/XX/2022
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Any reasonable bank customer would like to know how much is the balance and whether the transactions that he has initiated will be done or not? And may be how much amount of money will be there in the account after some transactions.In this Wells Fargo business checking account I am always guessing or wondering how much is the balance and whether the transactions will go thru or not?Just last Monday(XX/XX/2019)-I called Wells Fargo for the same issue. In fact talked to the supervisor. Today once again I called Wells Fargo for the same issue at XXXX XXXX and then talked to the supervisor(XXXX) that I am seeing that there is a pending credit of $XXXX from my XXXX XXXX(ending in XXXX) to this wells fargo checking account for the date XX/XX/2019. When i am getting that money into this account? She stated that she is not seeing that transaction. Worse she didn't even cared whether such transaction is happening or not? This transaction was initiated from this very Wells Fargo business account so they cannot be so ignorant.I offered her(XXXX) the screen shot but she is not willing to look into.This XXXX person is working in XXXX CA. XXXX is proposing to go to the wells Fargo branch. In the past, when i was in branch for this kind of clarification - branch told me to reach out to Customer service. They are just passing the buck to each other.It seems that Wells Fargo is too big and too much mismanaged. Right hand doesn't know what left hand is doing? Online banking, Phone banking, Bank branch - they are all out of alignment or out of sync with each other.How come a customer can trust a bank account if that doesn't even tell the correct transactions. I have an important IRS transaction and i have no idea whether that will happen or not?In the past, due to these kind of issues - i end up with overdraft fees. Thankfully Wells Fargo refunded it.
Consumer complaint received 2022-10-02
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. (FL)

XXXX and TransUnion say that the account is accurate and that the errors have been corrected but nothing have been corrected or updated the same errors that i have previously mentioned still in there ALSO THE ACCOUNT NUMBER FOR THIS ITEM IS DIFFERENT IF THIS IS THE SAME ACCOUNT WHY DOES IT HAVE DIFFERENT NUMBERS? 

THIS ACCOUNT IS INACCURATE AND NEEDS TO BE REMOVED
Consumer complaint received 2022-12-22
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. (NC)

This is my 8TH endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021.
Consumer complaint received 2019-07-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R&R Professional Recovery, Inc. (MD)

On XX/XX/XXXX, R & R Professional Recovery , Inc. a member of R & R professional Recovery contacted my family ( Uknown how ) and threatened their credit, revealed my personal information, and amounts due of {$500.00} something. This resulted in my family giving my information., I called R & R professional Recovery and spoke to XXXX. Apologetic about the situation, he tried to negotiate and drop the debt down to XXXX. I was not interested as the amount was originally being disputed with the original creditor ( continues to throw us to R & R recovery, when we call ) Now my credit report states that R & R wants the whole XXXX something. No one has contacted me since then. I called R & R XX/XX/XXXX and XX/XX/XXXX with not able to speak to anyone. I am just finding out today this was reported to my credit. I called today again at XXXX on XX/XX/XXXX and was not able to reach anyone. 


Mr. XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX PHONE : XXXX XXXX ext XXXX FAX : XXXX XXXX
Consumer complaint received 2023-02-22
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. (NJ)

15 USC 1681a ( 2 ) ( A ) ( I ) late payment are not suppose to be report on customer report its against the law!
Consumer complaint received 2023-02-24
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$3800.00} U S DEPT OF ED/XXXX XXXX Balance : - XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
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)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-12-22
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 several endeavor to tell credit bureaus 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 an alleged XXXX or XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$10000.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-10-02
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. (TX)

This collection account is paid in full with {$0.00} balance however XXXX and TransUnion continue to report the account as open and active. XXXX XXXX XXXX have removed this account from my credit report. There has been no communication or evidence provided that the account dispute has been actually verified. 
I have repeatedly asked this account status be updated and removed since XX/XX/2021. TransUnion always comes bdvk within 7 days as verified with no documentation as requested.
Consumer complaint received 2023-12-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WA)

I have requested multiple callbacks from XXXX Mohela over the years. Less than 50 % of my requested callbacks are ever filled. Most recently, XX/XX/, I had scheduled to call back. No one ever called. This repeatedly impacts my ability to make informed financial decisions. Hold times are crazy. Scheduling a call is the only way to contact them as I work a full time job. When I make time, and they don't call, this has significant negative impacts.
Consumer complaint received 2019-01-19
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: Experian Information Solutions Inc. (MI)

Dear Sir, As per the Experian Credit Report dated XX/XX/XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX ) did fraudulent inquiry on XX/XX/XXXX in my credit file without my consent and without my authorization. I have communicated to Experian multiple times that I do not have any business with XXXX and never ever contacted them and they have been doing fraudulent inquires in my credit file without my consent and without my authorization, same has been disputed and removed from Experian Credit file. Experian entertaining the fraudulent inquiries in my credit file without my consent and without my authorization, I never ever contacted XXXX  for any reason. XXXX  inquiry dated XX/XX/XXXX is a crime, fraud and misrepresentation. I have also locked experian Credit file on XX/XX/XXXX to avoid further fraudulent activities and damages, where experian unlawfully entertaining fraudulent inquires in my credit file without my consent and authorization. Could CFPB kindly direct Experian to remove the disputed and fraudulent inquiry XXXX  inquiry dated XX/XX/XXXX from credit file, which was inquired without my authorization and consent. I do not have any business with XXXX XXXX at any point of time for last 12 years. Could CFPB kindly direct Experian to send me the complete details of this fraudulent fraud inquiry dated XX/XX/XXXX, complete details of fraud alert dated XX/XX/XXXX I am going to submit these fraudulent inquiry details to Law Enforcement Officer and FBI. I think someone using my identity, social, name and address, also kept fraud alert in the place as and when identity thieves applied XXXX XXXX. Identity thieves applied for XXXX XXXX, without my notice and consent. Could CFPB kindly Initiate appropriate action against Experian and XXXX for entertaining fraudulent XXXX XXXX inquiries in my credit file. Could CFPB store my CFPB complaints in the data base, FTC records, law enforcement, identification theft and misrepresentation/fraudulent activity records. Could CFPB kindly direct my complaint to Federal Officer and take appropriate action against XXXX  for committing fraud and misrepresentation using my social, name, address and various identification details.
Consumer complaint received 2019-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc (MO)

XXXX XXXX  XXXX XXXX hired MCA collections For the second time to collect " owner '' fees from me when they know I do not own property In XXXX XXXX nor have I ever.The most frustrating part is I just went threw this same thing last year and they removed it. Knowing that the collection agent saw the problem last year after my complaint and removed it, then placed it again this year is absurd to me. Knowing they keep files on very transaction.I have documentation showing my case for complaint. I am currently going XXXX XXXX XXXX for XXXX XXXX, then XXXX XXXX. Trying to get things in line for my wife and then there is this. AGAIN I DON '' T NEED THIS RIGHT NOW HELP ME They are using their power abusively, knocked my credit score down 31 points in a month.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Data Systems, Inc. (TX)

Medical data systems keeps eeporting the same 2 accounts but changing the balances to make it look like a new report. The placed a report in XX/XX/XXXX then the same one afain in XX/XX/XXXX with a different amount as new.
Consumer complaint received 2019-07-15
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. (GA)

XX/XX/19 XXXX XXXX ran my credit 9 times without my consent. I gave them some information in order to get a rough estimate of what a monthly payment would be. I specifically requested that they not run my credit. However, they ran it 9 times.
Consumer complaint received 2019-12-02
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. (IL)

I've contacted the company regarding this matter to no avail! I've sent correspondence for the accounts to be validated by both the company and by Equifax, XXXX, and XXXX  and have yet to receive anything.
Consumer complaint received 2022-11-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (FL)

When I took out my first loan I was told if I pay it back in time, I will get a special rate which never happened they gave 27 % interest rate which was higher than the last loan which was 13 %. Also, the company is only putting my payment towards the interest and not the principle so my balance will never go down.
Consumer complaint received 2019-07-15
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. (AR)

XXXX Called and spoke with " XXXX '' and " XXXX XXXX and neither one of the resolved my issue. I asked them who did they contact at the court house to verify the bankruptcy. They told me they do not have to provide me with verification of who the contacted and who they spoke with to verify my information. 

I have contacted the court house and also provided letters to the credit bureau and they have failed to verify my information. 

file # XXXX XXXX and Transunion have failed to provider proper documentation to give me as a resolution to my dispute.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: McNeil & Meyers Asset Management Group, LLC (CA)

On XX/XX/2019 5 items were removed from my credit report by a company called MCNEIL & MYERS XXXX On XX/XX/2019 the very same five that were removed were reinstated onto my record. 

*Reaging*
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION (WI)

Got about 6 or 7 charges I didn't atheroize and some are in Minnesota I haven't even been there in years so can't believe all this. It totals {$370.00} N my paycheck is only {$430.00} So most my paycheck I can really use for XXXX right now it's from XXXX to take care my dad n we really need money this is been going on over 3 no the n they don't care and tell me they gon na send papers or do this or that n then never do anything can u plz help me it's almost a 2 week pay for me. It's thru XXXX debt card it's only option we get thru XXXX so XXXX for XXXX  is to get ur money direct deposit on this card then sure enof just my luck somehow someone used n spent most my money. Plz help me I need my money back thank you