davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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. (PA)

In accordance with the fair credit reporting act XXXX XXXX  XXXX PA 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (PA)

On XX/XX/2022, I transferred {$350.00} from my personal checking account to Google Pay. That transfer was successful. Afterwards, when I attempted to pay for a transaction using Google Pay, that transaction was declined. I received a message stating that there was an issue with my Google Pay account. Upon review, I was notified that the Google Pay had suspended my account. I contacted Google Pay via chat and was advised to contact XXXX. That phone number is not in service. After informing the representative of that, I was transferred to two additional representatives with the last one informing me that they are located in XXXX and unable to assist. Attached is a copy of the ineffective chat session to address this matter. I received an email from Google Pay support requesting that I upload my photo identification and my card ending in XXXX. I provided that information. After approximately four hours, I received another email stating that the photo of card ending in XXXX could not be confirmed. The photo uploaded was in fact a clear image of the card. Google Pay has accepted {$350.00} of money that belongs to me, however is withholding it.
Consumer complaint received 2022-06-03
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)

In accordance to the Fair Credit Reporting Act my rights as a credit consumer have been violated by the bureaus and XXXX # XXXX 15USC 1681 section 602A states I have a right to privacy ....

15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction. 

THOSE ARE XXXX VIOLATIONS THAT SHOULD RESULT IN DELETION OF THAT ACCOUNT
Consumer complaint received 2022-06-03
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. (CA)

In accordance to the Fair Credit Reporting Act my rights as a credit consumer have been violated by the bureaus and XXXX # XXXX 15USC 1681 section 602A states I have a right to privacy .... 

15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction. 

THOSE ARE XXXX VIOLATIONS THAT SHOULD RESULT IN DELETION OF THAT ACCOUNT
Consumer complaint received 2022-12-29
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. (AZ)

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX  Account # 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 2022-06-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Select Portfolio Services is charging excessive fees for a foreclosure that was dismissed XXXX year prior to my lloan being transfered from XXXX XXXX XXXX, who was sued by CFPB. My loan was transfered to SPS instead of being properly serviced. Select Portfolio Services has also misapplied payments made to my loan and has taken over {$150.00} interest monthly from the mortgage payment as attorney fees instead of servicing the loan with the payment. 

Select Portfolio has co-mingled my mortgage loan payment with these bogus fees... According to XXXX XXXX the fees only totaled {$470.00}. Why is my mortgage payment being used to pay off fees that acure {$150.00} interest monthly. This means that neither the mortgage nor the " attorney fees '' will ever be paid off. These fees should not be comingled with my mortgage and should be billed and collectedseparately. 

When I asked to pay off the fees they took the payment and instead reapplied it to montlhly payments and took feee from the payment instead of applying to these bogus fees. SPS obviously is unfair in its practicies and i HOPE AND PRAY that government will intervene in ensuring that SPS is fair in its trade practices.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (MI)

Wrote letter to National credit adjusters to remove reporting as it was reported incorrectly and is paid. With no response submitted certified letters to XXXX on XX/XX/XXXX and XX/XX/XXXX to remove unverified account from collector as XXXX has submitted information that this information has been removed and all reports to reflect the most accurate details. Returned auto letter to me stating account verified when I have not received any verification details such as a contract with National Credit Adjusters account number XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX.
Consumer complaint received 2022-06-03
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have disputed this twice with TransUnion in the past year..

TransUnion continuously report ( s ) names I have NEVER used..

TransUnion continuously allows finacial companies ( banks, credit-card etc ) to access my information although I have NOT authorized..

The FTC spells out financial companies must have authorization for credit inquiries..

I have filed a fraud report with the FTC ( identitytheft.gov ) ..

I have placed a fraud alert on my account..
Consumer complaint received 2022-06-03
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  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 2022-06-03
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. (PA)

In accordance with the fair credit reporting act XXXX BANK XXXX PA 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-03
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States | 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 2022-06-03
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. (GA)

n accordance with the Fair Credit Reporting,. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian these companies 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 602 A. States I have the right to privacy.
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes Portfolio Recovery Associates , LLC has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, Portfolio Recovery Associates , LLC claims XXXX XXXX XXXX  XXXX XXXX XXXX. ) doing business as XXXX  XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, Portfolio Recovery Associates , LLC claims XXXX XXXX XXXX  XXXX XXXX XXXX. ) was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through interstate commerce, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by Portfolio Recovery Associates , LLC on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX XXXX XXXX XXXX XXXX. ) and Portfolio Recovery Associates , LLC is now civilly liable to pay me for the damages.
Consumer complaint received 2019-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (FL)

In or around XX/XX/2019, I found out that American Express has been reporting to the credit bureaus that I owe them money for credit card uses. I did not do any business with American Express. I sent them letters explaining that I was a victim of identity theft and the debt they alleged is a result of that theft. I sent the same letters to the three credit bureaus to investigate. The three credit bureaus conducted their investigations and found the debt was a result of identity theft and proceeded in accordance with their policies and the law. As for American Express, they requested that I submit among other things, an affidavit and police report in order for them to close their file. In compliance with their request, I submitted exactly what they requested. Instead of complying with the law on identity theft and close their file, they have engaged in very aggressive and unlawful tactics of harassment. They continue to make threats and demands for payment with ultimatum.
Consumer complaint received 2022-06-03
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. (PA)

In accordance with the fair credit reporting act 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 instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-03
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. (PA)

In accordance with the fair credit reporting act 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 instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

incorrect addresses on my credit report. 
my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all old/incorrect addresses from my credit report.
Consumer complaint received 2022-06-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (NY)

I am XXXXXXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes Credit Collection Services USA has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, Credit Collection Services XXXX XXXX XXXX XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, Credit Collection Services XXXX XXXX XXXX XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through XXXX XXXX, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by Credit Collection Services XXXX on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX XXXX XXXX XXXX as XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX XXXX doing business as XXXX and Credit Collection Services USA is now civilly liable to pay me for the damages.
Consumer complaint received 2022-06-03
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. (OH)

I have have requested for the Credit Bureaus to comply with state and federal laws in regards to consumer credit and making sure that the information is accurate and the laws have been violated time and time again and i have attached my credit report with the laws and violations in order to get them corrected by having the items, removed, deleted, and purged from their records, files, including their databases by third parties which they own such as XXXX XXXX XXXX, and many others.
Consumer complaint received 2021-04-20
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. (NC)

This company XXXX XXXX XXXX and reporting a debt to my credit report. Below is the information pertaining to this account : Collection opened XX/XX/2021 Account number XXXX Balance {$1200.00}
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IN)

I have a Home Depot credit card managed by Citibank. This card currently has a zero percent rate until XX/XX/2019 for the purchase of a furnace. My statement of XX/XX/2019 showed a payment due of {$34.00} by XX/XX/XXXX. This payment was made on XX/XX/XXXX. There is no dispute about this ; the payment is included on my statement of XX/XX/2019 which requires a {$33.00} payment by XX/XX/2019. This payment was made on the evening of XX/XX/XXXX, through their phone system after the statement had closed. It was their phone system that indicated the amount of the payment due. There is no dispute about this. 

The statement of XX/XX/2019 shows this payment made on XX/XX/XXXX, but they also charged me a late fee for not making the payment that Citi does show being made on XX/XX/XXXX. Their reasoning was that the XX/XX/XXXX payment was retroactively applied to the XXXX statement without notification to me. Thus they claim there were two XXXX payments, but no XXXX payment. This is despite the fact that both the XXXX and XXXX statements show the opposite. 

I called Citi on XX/XX/XXXX and was told the late fee would be reversed, which it was. The next day another person from Citi called me demanding an immediate payment of {$93.00} to cover the " missed '' payment due XX/XX/XXXX, the new {$33.00} payment due on XX/XX/XXXX, and the {$27.00} late fee which had already been reversed. I asked for a supervisor who gave me the same story. 

On XX/XX/XXXX, still another person from Citi called demanding an immediate payment of {$93.00} because my account was overdue. This person was much more polite and understanding. She transferred me to another supervisor, who told me to make an immediate payment of {$46.00} and then pay another {$46.00} by XX/XX/XXXX. In their version of the universe, I still have the pay the " missed '' payment that they admit was paid, the new month 's payment, and the late fee which has already been reversed. I was told by the supervisor that this would be a benefit to me because these payments would be applied to principal. Note this account has a zero percent interest rate until XX/XX/2019. 

When I was in fifth grade my brother and I got a paper route and opened savings accounts. We learned about the time value of money. It is really strange that a supervisor at one of the world 's major banks would think that paying principal early would be any advantage to me.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (VA)

I believe Experian unfairly decreased my credit score by XXXX points on XX/XX/2022 due to a XXXX balance on a recently closed student loan. This adverse action negatively affects my creditworthiness.
Consumer complaint received 2022-06-02
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. (IL)

In accordance with the Fair Credit Reporting Act, these Companies have violated my rights. 
XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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 end consumer credit plan as late for any reason.
Consumer complaint received 2022-06-02
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. (GA)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (NY)

I have a Blue Cash Preferred card by American Express and one of it's advertised benefits is access to free credit reports. I have tried accessing this product multiple times but keep running into issues. I contacted American Express customer care on XX/XX/2022 about this issue and they asked me to contact XXXX. I called the XXXX number they gave me on the same day and they told me to send an email to XXXX. I sent at email to this address on XX/XX/2022 and they responded without understanding my problem and their response didn't help me. After that I also sent follow up emails but didn't hear back from them. 
I am filing this complaint against American Express because they promised this feature to me and if I am facing issues in accessing it, they should resolve those issues. The customer support did not help me when I called them and just passed the buck to someone else. As an AMEX customer, I am entitled to receive the benefits and features they advertised.
Consumer complaint received 2022-06-02
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)

hard inquiries from these companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX