davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
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. (CA)

I have filed numerous disputes concerning these accounts, which do not belong to me, yet they continue to appear on my credit report. Additionally, I've submitted several FTC Reports regarding these erroneous accounts. Surprisingly, these companies have chosen to ignore their legal obligation to investigate the disputes, refusing to take appropriate action.
Consumer complaint received 2022-12-12
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX, XXXXXXXX XXXX XXXXXXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX, XXXX. 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. 
Account XXXX XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

I signed a loan modification contract with Rushmore Loan Management on XX/XX/XXXX after making regular trail payments since XX/XX/XXXX. 
All the trials payment were on time and still the organization marked me late since there was clause in the contract. 
However after signing the official contract that became effective immediately Rushmore Loan Management still marked me late for XXXX and XXXX even though payments were made on time. 
This illegal and overly punitive for no reasons.
Consumer complaint received 2020-01-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (AZ)

Was served with a complaint from XXXX XXXX XXXX XXXX on XX/XX/19, didnt know who they were or if they in fact were able to collect on an old account. I filed my response and counterclaim on XX/XX/19 and sent it certified return receipt. I received the return receipt back but didnt hear a response from XXXX XXXX XXXX XXXX for my answer and counterclaim, of which I had requested them to verify the debt they are trying to collect. Did not hear anything from them so I filed on XX/XX/19 an application for entry of default. No response. On XX/XX/19 I filed an application for entry of default. I had to re-file them on XX/XX/19 I filed a corrected entry of default as I had put the names in the wrong places. Still no response. We had mediation set for XX/XX/19 but I did not go as I had not received a response on my answer nor counterclaim. Cant mediate something if you dont have verification. Had a hearing on my counterclaim on XX/XX/19 and had asked the court, which they allow, to have it done via telephone. Did not get a response from the court until late in the evening of the XXXX and did not receive the order until many days later. XXXX XXXX XXXX claims in there filings after that that they had not received the counterclaim until the XXXX of XXXX, which is not true as they signed for it on XX/XX/19. XXXX XXXX XXXX XXXX has many different addresses which they used in there papers filed with the court as well as sending corospondence via USPS mail with a PO Box as a return address so people will think its junk mail. The XXXX XXXX XXXX struck my answer as well as my counterclaim and allowed judgement on me. Dont feel XXXX XXXX XXXX XXXX followed the rules of civil procedure as well as the XXXX. Maybe they do this alot as I see many many cases with this same XXXX. But they failed to verify the debt. If you need further information please feel free to contact me.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX and during those days and weeks I tried to pay a debt off my credit card that I owed to capital one bank. Once tried to pay it off capital one fraud department called and said that my account dont match from the account Im trying to pay with ... Finding out that the app I use called XXXX   XXXX  changed banks and had another bank control they funds and every account number and routing changed I didnt know none of these until that day ... Which was XXXX XXXX XXXX at first then switched to XXXX XXXX when a representative told me and capital one bank representative on the phone and dont have anything to do with XXXX  anymore. XXXX XXXX is third party ... So they saying I have to get proof of XXXX XXXX stating that they changed institutions and then closed account until proof ... XXXX XXXX only does email so that was the inconvenient part. Finally got proof of my old account and routing that I found when filing income taxes last year and sent it to capital one. When speaking with representative they looked over it and said everything was good and now I can pay the debt using the new bank I didnt know I had. They open the account back up ... the next day it was closed with the new pending transaction I made. I talked to supervisors and all and its in notes of all the times I called ... After the weekend Monday came and they took the money out of my account. I looked at my account and it was still closed.. Called capital one bank and they told me that they closed it because 5 reversed transactions on account which the whole time I was repeatedly talking to them the whole week ... So now they took {$890.00} from me and closed my account because of transactions ... Even though also my mother connected with the account so she also pays my fees which is another bank she used for me a month ago and they still closed my account giving me a lot of confusion when the whole time Im trying to pay a debt off and build my credit which I cant do now because they closed my account and now I have to reapply for another card which will be not the same as my old card plus pay {$200.00} more and was less than before. Because now its denying me for card I usually had because of my credit doesnt match up with it anymore.

All I want to do is get another card or reopen my account so I can continue to build on my credit card. If can not I will then take the refund that they took from me back ... I just feel like this is not right.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I got an alert of XXXX out of nowhere.My information has not changed But continually asking me to verify what Ive verified over a dozen times in the last two years, Nothing has changed my information nor my credit profile this is harassment at its finest, and an attempt to continue to have me do unnecessary things out of my day without being paid
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (VA)

I have a visa card w/wells fargo that I have been intently trying to pay down. I have been making automatic payments of {$140.00} every 2 weeks to them. I have 2 promotional zero percent balances with them. Presently, as of my XXXX statement it is as follows : {$2300.00} 0 % till XX/XX/20 {$8200.00} 0 % till XX/XX/20 When I make payments, Wells Fargo, unfairly credits more towards one balance then the other -- making it essentially impossible to pay off the 1st promotional balance before the expiration date. For example, I was told when they receive the first {$140.00} payment they distribute as follows : {$32.00} goes towards the {$2300.00} {$110.00} goes towards the {$8200.00} Why aren't they distributing the {$140.00} ( x2 ) evenly to each balance? I feel that puts me at a disadvantage, afterall it is the same interest rate for each balance. 

I called wells fargo, explained that my goal was to target & paydown these debts & I wanted to make a {$1000.00} payment to go solely to the {$2300.00} balance & they said that I couldn't. I spoke w/3 people & the last person said he would file a complaint & someone from Case Mgt would get back w/me. I did this just today, so I expect they will be following up w/me, but based on the fact that I had to talk to 3 different people and file a complaint, it appears this is their practice and I feel a complaint is warranted regardless, even if my issue with them directly is handled satisfactorily. 

I feel this is unfair credit/banking practices because I have been paying more than the minimum owed, I don't understand why I can't direct my payments where I want them to go ( I can do this on my mortgage for example, and make extra payments & direct them to my principal ). 

The only resolution I was provided was that I would have to wait till the 1st promotion ended and then I would have a window where I could pay that balance in full w/in the billing cycle before the higher interest rate started accruing, but that doesn't seem fair. I want to make a payment today of $ XXXX, and next month of $ XXXX, to target that balance and attempt to zero it out before XX/XX/20 and I feel I have the right to do that but wells fargo says that I can not.
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

I reported identity theft to XXXX  XXXX  in XX/XX/2019. Thought it was handled. I didnt ever have an XXXX  XXXX  account, nor did i know it was on my social. I never saw bills or heard anythingg about it. Now suddenly in have an {$1800.00} collection from convergent outsourcing. I sent fraud packets to XXXX. Cant get ahold by phone. Pleas help. This is not my debt. I want to see these bills and where they were sent. And why my initial call wasnt documented then in 2019.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.

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 2020-12-29
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. (FL)

Hello, I became a victim of identity theft. I kindly ask you to help me because I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. I do not know how these items ended upon my credit report, but I never signed for or agreed to these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2020-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (CA)

I had bad service with XXXX  and they released me from my contract. I then sent back the device. They then billed me for the device. I then called to resolve and they acknowledged ( on 2 occasions ) that they did receive the device. They still continue to sell my information to debt collectors that routinely call me. No matter how many times I explain it they call back and are rude.
Consumer complaint received 2020-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NY)

On XX/XX/2020 I received a letter in the mail attempting to settle a debt from PayPal INC for {$44.00}. I rarely use PayPal and certainly never had a debt and after checking my account there was no debt or any suspicious transactions. I believe XXXX XXXX is phishing me for information or falsely trying to extort money from me. 
I called the phone number on the letter and they refused to give me any information or email associated with this claim without me giving my personal information. I gave them the reference number and my name and they can see my phone number, they demanded my social security number which I'm not willing to give out to a random person claiming to collect " debt ''. They hung up on me when I asked them questions about the supposed claim. 
After researching this particular practice I found many examples of people being pressured to pay for a debt that wasn't theirs. 
The Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (CA)

I have sent numerous requests ( letters/disputes ) to Harley Davidson Financial Services ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking that they report accurate information. I have also called them directly. 

The last payment ( which paid the balance off in full was received on XX/XX/XXXX. ( {$3600.00} ). 

Currently, on XXXX  and XXXX XXXX, the information is incorrect - XXXX states that the payment status is not more than two payments past due and XXXX. states that it is 30 days Past Due. 

The account should state that it is PAID and Closed and not " Past Due ''. The account was paid XX/XX/XXXX so the XXXX payment should also show that it was paid on time and no late for XX/XX/XXXX. 

XXXX, XXXX  and XXXX XXXX should also indicate that the account was paid off on XX/XX/XXXX and that the account was not LATE in XX/XX/XXXX ( and that point it was current, paid and closed ). Send this update to the credit report agencies within ten business days. Thank you.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I opened a claim with my Bank of America checking account due to unauthorized withdrawal transfers from my checking account to a company called XXXX XXXX I researched the company and determined they were some sort of prepaid card or money transfer system, but I have never done business with them and do not have an account with them nor have I ever had an account with them. There were several transactions that were debited from my checking account that I did not authorize totaling {$6100.00}. I spoke with customer service in the fraud department and opened a claim to dispute these charges, the claim number is XXXX, and was opened on XX/XX/2022. On XX/XX/2022 they sent me a message through their online banking " message center '' - not even a phone call or an email directly to me, to tell me that the claim was closed and marked " unable to pay ''. Here is a copy of that message. 

Message date : XX/XX/2022 Subject : Unable to pay. 
Please note : You can not reply to this message if the claim is in Resolved status. 

XXXX, unfortunately, we're unable to approve your recent claim. 

Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : The charge was authorized by you or made by someone who has permission to use the card or account. 

For updates on your claim If you'd like copies of the documents we used to make this decision, please call us at XXXX, Monday through Friday, from XXXX XXXX XXXX XXXX XXXX  Eastern. Please have your claim number when you call. 

Thank you for your patience during our review. 



THIS IS RIDICULOUS BECAUSE I DID NOT AUTHORIZE THE CHARGES AND I CERTAINLY DID NOT GIVE ANYONE PERMISSION TO USE MY ACCOUNT OR CARD.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am filing a complaint regarding unknown inquires on my file. I have never applied for any account for business with the following companies : XXXX XXXX XXXX and XXXX XXXX XXXX. I do not have any of these financial products and I do not wish to have an account with these companies please delete them they are errors and I never signed any documents
Consumer complaint received 2022-12-24
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: CORELOGIC INC (GA)

XXXX is reporting a XXXX XXXX  Bankruptcy to the Credit Bureaus XXXX and XXXX without my consent, which is in violation of my consumer right US 15 SEC 1681 ( a ). This is a violation to my rights of privacy, accuracy and fairness. This is not private for them to supply this information to the bureaus without written consent from me. I have reached out to Corelogic on numerous occasions for them to correct this error and they have not corrected the error. 

XX/XX/22 I sent a letter to the XXXX XXXX XXXX XXXX XXXX  GA requesting their procedures on reporting to the CRAs ( XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, Corelogic/Credco, XXXX XXXX XXXX. XXXX To my suprise, The court answered : XX/XX/22 The XXXX XXXX XXXX XXXX XXXX GA sent a returned letter stating that they DO NOT REPORT TO THE CRAs, That By the FCRA 15 USC 1681 ( a ) is enacted to promote the accuracy fairness and privacy of consumer information contained in the files of the consumer. That if they access my records from PACER they can obtain records of a bankruptcy. 

On XX/XX/22 Corelogic/CREDCO sent me a 2 part investigation on my consumer file only to send me a copy of what XXXX and XXXX are reporting that the XXXX XXXX XXXX XXXX XXXX  GA is reporting the bankruptcy to them. How so? When the court just told me that they do not report these things. 

That said, Corelogic/Credco is in violation of the law and I now evoke your agency to help me correct this error.
Consumer complaint received 2023-02-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (CA)

A letter was mailed to me XX/XX/XXXX from Debt recovery solutions llc. ( I would have received it a few days later. I wrote a debt validation request on XX/XX/XXXX and mailed it which was within my 30 day time frame asking them to validate the debt. I received absolutely nothing to validate the date from them. I received a notification that a collection was added to my report. I suffered tremendously through covid as many did. My husband passed away from covid and I went into debt. I have worked very hard to rebuild and am a single mom who scrapes to make ends meet but I have not missed any payments on my credit. I asked for validation for that debt and they did not respond. It is unfair they neglect their responsibility but pursue hurting someones credit without following the law. I had taken a picture of what I wrote and the addressed envelope before I mailed it out. Please help me. I did attach a picture of the letter I sent with it dated for the validation to the company.
Consumer complaint received 2022-12-24
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. (TX)

I don't recall applying for credit or employment with the companies listed. 

From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the 1998 FTC opinion letter XXXX at http : //www.ftc.govXXXX XXXX " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which the report is procured. '' 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.