davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-05
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: Experian Information Solutions Inc. (CA)

N accordance with the Fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX, # XXXXXXXX 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 and XXXX XXXX has violated my right to privacy.

15 U.S.C 1681 Section 604 A. States I have a 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
Consumer complaint received 2022-06-05
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. (CA)

N accordance with the Fair credit reporting act XX/XX/XXXXt Accounts # XXXX XXXX XXXX, # XXXXXX/XX/XXXX, # XXXX XX/XX/XXXX XX/XX/XXXX( XXXX ) # XXXX XX/XX/XXXX # XXXX # XXXX XX/XX/XXXX# XXXX XX/XX/XXXX # # XXXX XX/XX/XXXX XX/XX/XXXX # XXXX XXXX and XXXX XXXX has violated my right to privacy. 
15 U.S.C 1681 Section 604 A. States I have a 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
Consumer complaint received 2022-12-17
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. (SC)

XXXX5 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 reporter agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Pursuant to 18 USC, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2.company has also No permission to report anything using my info pursuant 15USC 1681 XXXX XXXX XXXX XXXX Open date : XX/XX/2022 Amount : {$420.00} XXXX XXXX XXXX Open date : XX/XX/2022 Amount : {$260.00}
Consumer complaint received 2022-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account # XXXXhas violated my rights. 

15 U.S. Code 1681 section 602 A States I have the right to privacy.

15 U.S. Code 1681 section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Paypal Holdings, Inc (CA)

Well I would like to know why my address is being flagged as a fraud because I believe I'm the victim of identity that and I've been wanting to cash out my XXXX and XXXX but I can't cuz my accounts at least my credit score is low or bad so I really want to get to the bottom of this it says also that I'm incarcerated when I'm not incarcerated would I have to do with anything receiving my benefits please contact me at XXXX my name is XXXX and I reaching out to you guys in need of your guys 's help please call me I'm tired of going through all this is frustrating and exhausting for my life thank you and have a nice day.
Consumer complaint received 2024-04-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (NY)

I have received several phone calls from Sunrise Credit Services Inc., located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a call from a Customer Service Representative not sure of her name, but she was abrupt and rude. This representative stated that I owed over {$1400.00} for an XXXX XXXX XXXX XXXX and wanted to know if I had made any payments within the last few days. 
I said no and that I wants to dispute the bill and required validation of the alleged debt. 
The Representative then stated that she needed a reason for the dispute, and I replied that I do not have to provide her with a reason just that I dispute the debt and validation of the debt is requested/required. She then responded by saying " that is not how this works '' and terminated the call. 
I called back and asked to speak to a supervisor due to unprofessionalism. I spoke to a XXXX  or XXXX again the communication was not clear., I informed her of the previous call and asked for proper validation and while I was awaiting proper validation that all communication must cease and desist.

The Supervisor then mixed words and stated that if you are requesting a cease and desist, we can no longer send you or contact you with any information regarding this debt that you owe.

I said are you refusing to provide proper validation of this alleged debt, again the Supervisor stated that they can not communicate with me going forward since I requested a cease and desist, but I would have to contact them regarding this debt.

I again reinforced that I am asking for them to provide validation in the form of an itemized bill containing all information. I was told by Sunrise that I would have to request that information from XXXX XXXX XXXX that they can not provide that to me. 

It is my belief that Sunrise has violated my consumer rights to proper validation of an alleged debt, they are attempting to collecct.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (FL)

I believe that this financial institution pulled my credit several times over the past two years. It is not a matter of identity issues, just the fact that my credit was pulled too many times for one transaction. Accordingly, I respectfully request that the inquiry pull in XXXX or XXXX be deleted from my credit bureaus respectfully. Thank You!
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

Hello, this is in reference to case numbers XXXX and XXXX. I would like these transactions disputed and my money returned back to my account. I have yet to receive these orders after countless times of reaching out to both companies, XXXX and XXXX to clarify that. Its been three weeks now, going on three and still no package nor any help on how to retrieve my lost packages!!
Consumer complaint received 2023-06-27
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)

XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. BELOW ARE THE ACCOUNTS AND INQUIRIES " SOURCE RECEIVABLES M. Address : XXXX XXXX XXXX XXXX XXXX WA, XXXX. Date opened : XXXX. Balance : {$8900.00} Inquiries : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) : Date Opened : XX/XX/XXXX XXXX  XXXX, XXXXDate Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX  Date Opened:XXXX XXXX  ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX
Consumer complaint received 2023-10-18
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. (KY)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC (CA)

I 've been paying them for 13 mos. I owed them {$2500.00} they charge me for monthly of XXXX. I paid them total of XXXX. But XX/XX/XXXX I got laid off. Until now I do n't have work. But they keep on bugging me. How can I pay them but actually I Paid them the whole amount I owe with interest. But they said I have to pay them until XX/XX/XXXX. That is too much. And I do n't have work how can I pay them. They keep on calling me and sending me email. THey used different number on calling me and this is too much. The company name is XXXX ( payday loan )
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Creditor Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX XXXX Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX, XXXX XXXX Inquiry Date XXXX XX/XX/XXXX
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

A Bank of America checking account was opened in my name. I never opened an account with this bank. I found out because a debit card was sent to my home address tied to the account. I have tried multiple times to call the bank to report a fraud and end up on hold for hours.
Consumer complaint received 2023-04-19
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. (VA)

There was a credit card opened without my knowledge or authorization. The credit card company is XXXX XXXX XXXX XXXX. My account was crossed referenced with someone else for a few years so I was unable to access my report. After finding out the account appeared on my credit I reached out to XXXX XXXX to close the account in XXXX. They then reported the account as 30 days late in XXXX after a credit dispute with Experian also in XXXX, it was updated to closed again in XXXX. I have initiated disputes with Experian, XXXX and XXXX. There is missing data from XXXX that I brought to the attention of the fraud specialist at Experian. They allowed XXXX XXXX to report the account was 30 days late on a closed account then they allowed then to close the account again. When I disputed the account I included a FTC identity theft affidavit also.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

As a single mother of two -- working XXXX jobs -- I tried many times to save my house and either lower the cost of my mortgage or do modifications, as both were denied by Wells Fargo. My real estate agent fought for XXXX years in order to get Wells Fargo to assist with the modification only to be denied for unknown reasons. Upon many different ways of approaching Wells Fargo, and being denied contact, abusively talked to, hung up on, totally ignored, my agent and I decided to sell the property in XXXX, PA. Even so much as having it short saled. We had XXXX good offers and Wells Fargo with their snooty attitudes denied both sales. I lost my home, I lost my XXXX- both girls had to find other places to live, and my mother ( who had helped me purchase the home ) died amongst all this uglieness.
Consumer complaint received 2019-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

XXXX  XXXX And XXXX XXXX  XXXX XXXX entered into a merger XX/XX/XXXX. After the merger I stopped receiving Bill 's and EOBs from services at XXXX  XXXX. I was informed by XXXX  XXXX staff on XX/XX/XXXX, that a {$360.00} credit was somehow added to my account and was advised not to pay any bill 's I received until this balance is resolved. I have made multiple phone calls to XXXX  XXXX and third party billing agency, and nobody can reconcile the balances between XXXX  XXXX office and third party billing. It is not possible for me to calculate what I actually owe with the information I was given. I have not received a correct bill from XXXX  XXXX since XX/XX/XXXX.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (NY)

I called XXXX XXXX experience and XXXX and ask did the companies send you letters within XXXX days of the validity of these accounts all companies responded no, they did not remove the accounts for my credit report XXXX accounts help me with late payments account had me charge off
Consumer complaint received 2019-05-08
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. (TX)

Experian is reporting incorrectly a collection for XXXX XXXX XXXX partial account number XXXX - in the amount of {$2600.00}. ( Please see page 51 of the attached credit report. ) If I had lived at XXXX XXXX XXXX   it was well over 12 years ago and reporting this item is a violation of the Fair Credit Reporting Act. I never, in the past or the present, received any documentation that this debt was owed by me or an itemization of what this debt consists of. This incorrect reporting by Experian recently appeared on my credit report. XXXX and XXXX   are reporting correctly. This incorrect reporting of a collection is keeping me from obtaining a new residence and is also harming my credit score. I have contacted Experian to have this line item removed from my credit report but I have not been successful.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX XXXX submitting this complaint against Experian Information Solutions Inc. and their is no third party involved. 

As of today, XXXX XX/XX/2022 at XXXX p.m. ( EST ) your company is entering a binding contract ( Attached below ). Also your company is to hereby delete and purge the accounts listed below, and if your company does not delete these accounts within XXXX business days, I will seek legal compensation for up to {$5000.00} per occurrence as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA. 

Delete & purge the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all hard inquires, potentially negative accounts & late payments as well.
Consumer complaint received 2024-04-10
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Upon review of phone messages and credit report I discovered another fraudulent credit card account opened in my name through Kohl 's department store. 
At the date of this complaint XX/XX/2024 I have tried to reach out to both Kohl 's credit card customer service and the fraud department and no one has been able to accept and process my claim. 
I did send an email earlier this week to the Kohl 's fraud department and explained this to them but have yet to hear back, however collection calls are increasing to my phone via automated messages. 
I did not open a credit card with Kohl 's recently and have also experienced a fraudulent account opened with them in the past. 
I am including my FTC affidavit as proof of identity theft and also to let Kohl 's know that all XXXX credit bureaus have all been alerted to this fraudulent activity as well. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NY)

AccountS Frozen ; keep being told will close, no reasons stated, no questions answered. Frozen XX/XX/23 nothing has been done. Supervisors don't get back to me. 5hours invested with no answers. 

XX/XX/23Account locked, XX/XX/XXXXVerified acc. was told account was ok, funds pullback had to be completed, call back XX/XX/XXXX to unlock. XX/XX/XXXX told acc would be closed, no explanation, would mail check 7-10 days. XX/XX/XXXX nothing done went through process of closing acc. would be expedited and no penalties, told to call back on status 2 days. XX/XX/XXXX accountS still open nothing done. Someone will get back to me within 2 days with explanation. Some type of fraud investigation? No explanations, refused to answer any questions. 

I want my money back with interest and no penalties on CD 's
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

Hello, how you doing today.. this company Credence Resource Manage is doing fraud.. 
i seen they posted on my credit, first of all i live in XXXX florida ... this fraud company is in XXXX, i have no reason or interest over there. they are a XXXX debt collector.. buy accounts for bulk and try to make income ... 
to repeat i never had tmobile and this fraud company say i did ... simply ask them send the original contract with signatures if they cant provide that remove this fraud and how they got my information
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

TO WHOM THIS MAY CONCERN : CEASE AND DESIST Any and all collection activities, including reporting of ; or verifying of this account on my credit reports. In the event of noncompliance, I reserve the right to file charges and/ or complaints with the CFPB , XXXX  and XXXX XXXX  XXXX  for violations of the FDCPA, FCRA , and Federal and State statutes on illegal collection activities on any account in violation of Texas state and Federal law.

The statute of limitations has expired.

The Statute of Limitations for Personal Loan debt in Texas is 4 years.
Consumer complaint received 2022-09-29
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2022-05-16
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. (NJ)

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

15 U.S.C 1681section 602 A. States I have rights 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 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2019-11-26
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. (UT)

New Issue Experian has not yet suppressed the negative XXXX  account listed after now receiving the third police report XXXX now from detective XXXX XXXX from the XXXX XXXX police department. XXXX sent a letter stating the information has been suppressed to the credit bureaus yet Experian is the only credit bureau still reporting this information. You are required by law to suppress accounts that have fraudulent activities and a valid police report is sent to you all.