davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 

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 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MN)

XXXX checked my Experian credit profile and realized they had 3 different names and incorrect address. That I viewed Experians website. I called into Experian to have inaccurate information removed. I couple hours later I received a email stating that the information was updated and not removed. This is a clear violation of the fair credit report act. By Experian reporting incorrect information unaccarute information. Which is causing lenders to deny me of lines of credit and personal loans. Attached to this complaint is a screen shot of the innacurate information that I pulled from experian website. And needs to be immediately removed. Also attached is my documents of my identification
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (GA)

The apartment complex in question closed down and no longer exist. During the process of them closing the complex put notices on everyones door that they had to be out by the neighborhood closing date. The amount that the collection company is requesting is for a full month of rent when we were instructed to leave in the middle of the month. The date we moved was in the middle of the month and were only charged a partial months payment to move on that day. This collection reflects a full month of rent and we should not have been charged as such.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In Accordance with the Fair Credit Reporting Act XXXX  Account 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 a account without my written instruction.
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (NJ)

I use a third party service named XXXX and it's already connected to my PNC business bank account. When trying to connect to the bank to refund a client back their money it stated that PNC would not allow XXXX to connect to my account. I can not handle my business like this. There has not been an issue in the past and if PNC no longer supports the app that I use I would rather change banks than change services.
Consumer complaint received 2022-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

Per XXXX XXXX XXXX, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General, and FTC
Consumer complaint received 2023-06-23
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: CarMax, Inc. (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2022-10-31
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Four Directions Lending LLC (CA)

I did not receive the loan. Instead I am reporting this company as an Employer receiving fraudulent garnishment orders. My company continues to receive fraudulent garnishment orders from this company despite repeating requests that they do not as they do not have legal authority to compel a wage garnishment without a court order.
Consumer complaint received 2024-02-26
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. (NY)

I am writing to demand that you take immediate action regarding the reporting of my account. I have discovered that it has been reported in violation of 15 USC 1681a, which is a clear violation of The Fair Credit Reporting Act. While I don't dispute the validity of this account, I do dispute the way it has been reported. The reporting of this account is a violation of my privacy rights, as it discloses non-public personal transactions between me and the company involved.

I expect you to rectify this situation at once and take all necessary steps to ensure that my rights are protected. Failure to do so will leave me with no other choice but to pursue legal action against your company. I hope you understand the seriousness of this matter. 

Sincerely, XXXX : XXXX
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

{$25000.00} was wired on XX/XX/2023 to someone that i did not authorize ; i have seen many videos on social media where this has happened in the recent months. Wells Fargo appears to call you, the call back number is Wells Fargo as well. They ask security questions to get into your account and wire money to an unknown person. I believe that Wells Fargo is responsible for refunding me the money as they should have more security measures in place.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian, XXXX, and XXXX credit bureaus shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have disputed a XXXX XXXX XXXX account with all three credit report agencies. I keep telling them that the account is negatively affecting my credit and should be removed from my credit report because it is over 7 years old. The amount of time that a negative items remains on your credit report is 7 years but they just verified with XXXX XXXX XXXX that the account is valid then closes out the dispute. When what should do is look at the date on the account to see if it should be cleared from my credit report due to age not validity of the account. It needs to be removed because it was charged off over 7 years ago.
Consumer complaint received 2023-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (IN)

In early XXXX, Westlake Financial updated their mobile app. This happened early in the month. Ever since, everytime I go to make my payment on the due date, the XXXX each month, they do not accept my payment. When this happens I receive anywhere from $ XXXX {$50.00} worth of late fees. The issue only occurs when paid on my due date, but not when there is a late fee attached to the payment. Speaking on the phone with them, they claim that their system voids my payment because it can not find my bank account, however, they always find it after applying extra fees. 

In XX/XX/XXXX I signed up for Automatic billing payments. After speaking with them on the phone today XX/XX/XXXX they claim that I am not on auto payments. Again clarifying to me that their records are not matching their mobile app. 

My XXXX payment was supposed to be automatically taken out on the XXXX, I checked the app the XXXX, XXXX, and XXXX and it showed it had submitted. They called me the XXXX and stated I was past due. 

I have screen shots from previous months that are time and date stamped on my phone showing that they are erasing payments from the system until I pay extra fees.
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I had a dispute over a balance on an auto policy with XXXX for {$150.00} last XXXX. I sent them proof of prior coverage and heard nothing until XXXX XXXX XXXX when Credit Collection Services ( CCS ) notified me. I filed the attached response on their website portal and faxed it. I NEVER heard back from this company, leading me to believe it was resolved. 

I contacted XXXX on XX/XX/XXXX to get a quote and move my auto policy back to them and they said they showed a balance outstanding. I paid them and received an email proof of payment from them ( See Attached Receipt ). 

On XX/XX/XXXX, the collection account appeared on one bureau and then as of today, on all three bureaus. I phoned Credit Collection Services on Tuesday and they claim it is closed out in their system and isnt being reported as a collection account. As of today, Friday, it remains and is preventing me from a closing on a loan. 

Additionally, it has NEVER been on my credit files until XX/XX/XXXX. 

Collection Agency Information : Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX XXXX
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (IN)

On XX/XX/XXXX of this year, I made a {$34.00} payment that they refused to acknowledge although it was cleared by my XXXX XXXX and not returned. On XX/XX/XXXX I had another {$34.00} payment with the same issue. On XX/XX/XXXX I made a payment of {$130.00} that they said they reversed due to insufficient funds, however the funds were there and I did not receive this money back. My payments were also originally set for the fourth of every month and they slowly rearranged the dates back until they were all on the XXXX of every month, after they learned my paydays were the first and the third. Also they charge me two payments every month. One of XXXX and one XXXX. Please get the money returned to my XXXX XXXX account. I will be closing the account.
Consumer complaint received 2022-12-30
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)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (AR)

When looking at my credit report, I notice on all three bureaus they have different information. On my XXXX, it states I have {$310.00} past due and its in collection status. But says the last reported date was XX/XX/2023. How? On XXXX it states that I have no past due balance and last activity was XX/XX/2023. How? Due to violating FCRA 607 ( b ) I need this account removed immediately because it causing me hardship when getting assets.
Consumer complaint received 2023-06-23
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: ENCORE CAPITAL GROUP INC. (LA)

Midland credit management Disputed XX/XX/2023 XXXX XXXX said it's verified. By their own information they are a buyer o the debt. So therefore I don't owe Midland. The original creditor is XXXX bank.
Consumer complaint received 2023-05-18
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. (FL)

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$69.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it.
Consumer complaint received 2023-05-08
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)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NY)

XX/XX/2022 - Predatory lender. I contacted Sallie Mae to request lower monthly payments. My four student loans have gone from {$87.00} ( XX/XX/2022 ) to {$180.00} ( Due XX/XX/2022 ). The representative said that there is a 15-day grace period and to pay what I can, however, if the full payment has not been received, Sallie Mae will contact me to discuss payment options. I find Sallie Mae 's practice of offering options only after the payments have been missed, unacceptable. Why do I, as a consumer, have to run the risk of damaging my credit scores ( with missed payments ), before being offered more realistic payment options?
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MA)

I disputed this already and The file that was attached was deleted and said threat detected there still is no explanation of why it was closed for no reason and not only that but the file attached to my PayPal card was for a care credit card with a virus threat. You guys consumer finance closed the case when not even noticing the file they attached to this account was for a totally different account. Every dispute with them has been closed with no explanation only a file that says threat detected and you guys have agreed with them they still have neglected to show me any statements of where and when and what my cards were used for
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (TX)

On XX/XX/2022. I switched cellular phone services from XXXX XXXX XXXX XXXX XXXX XXXX I called XXXX to close my account and they said that I have to called back at the end of the billing cycle because at this time still have several days left to close the billing cycle. I called back by the end of XX/XX/2022 to reminded them to cancel my account and they asked why I was leaving them, and I said because I already have another provider. 
After 2-3 months later I started receiving these bills from XXXX alleging that I have to pay them, and I told them that I have not used their service since XXXX when I switched providers. I even request to send me proof that I was using their services. I said send me a detail bill of my cellular use with you including where I have been calling or texting. They never sent a detailed bill. But they kept send more bills until I received a letter from a Collection agency, and I wrote a letter to the collection agency asking for an explanation of the bill with details of usage, but I never received anything. And now on XX/XX/2022, they reported a FRAUD on my credit rating, and my credit score drop significantly. I want this to be removed from my credit score as soon as possible! I have a very good and clean credit score, and don't want to have ruined for this senseless charged!