davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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. (FL)

In accordance with the fair reporting act the list of the accounts below have 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 XXXXXXXX XXXX have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 C A section 5 states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (IA)

A XXXX XXXX branch has repeatedly placed fraudulent credit debt collection accounts for an amount that i do not owe, is highly inaccurate, and i am not accountable for. I had a XXXX phone account that was payed and ended in XXXX. The final bill was {$310.00} and I payed it and later ended my service. The company proceeded to illegally give my email, current account and following current number I had rights to by the service contract while it was still in use to another person. Then proceeded to bill and place a false report on my Credit for an amount of {$730.00}. This was taken down in XXXX due to fraudulence and inaccuracy by XXXX As XX/XX/XXXX they place another false credit report of a account debt collection for {$710.00} through another state. I have already tried to contact the company and deal with the problem during XXXX and I even did ask for a corrected amount to the account that I had payed during the final {$310.00} and to get the account info they where using and they not only denied services when I co-operated while willing to pay a reasonable amount to resolve the issues in a proper manner for services that i didnt even have. But Their info was also entirely incorrect on their company side down to who's name was on the phone number tied to the account to inaccurate amounts while having my ID in their services falsely blacklisted with incorrect info. I am at the point where I will no longer try to co-operate with them and would rather sue them for fasely ruining my credit and report their illegal actions.
Consumer complaint received 2023-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I received a notification that my credit score dropped a couple points and when I checked my credit monitoring account there was two accounts from Portfolio Recovery A in the amount of {$980.00} and {$420.00} ( opened XX/XX/2020 ) from XXXX XXXX credit card company. I currently have two XXXX XXXX credit cards in great standing and has never had any others. This is not my debt and I would like it remove from my name and social security number asap.
Consumer complaint received 2020-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc. (CA)

I have contacted the collection agency to inform them that the account they have reported to the credit bureaus is inaccurate and erroneous. They reported this alleged debt to the credit bureaus in XXXX of XXXX. 
I just recently learned about this debt in XXXX of XXXX. 
I have informed them that I do not owe this debt that they allege. 
I have since filed a Small Claims Suit against the original creditor for this error. 
I have sent copies of the small claims filing to the collection agency giving them further proof that I do not owe this debt and that the original creditor should never have sent it to collections. 
The collection agency has continued to report this inaccurate debt with the credit bureaus.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (IL)

I am reporting a violation of my right to privacy and the wrongful use of court records for reporting purposes regarding the following items on my credit files : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account associated with the bankruptcy ) According to the law on reporting consumer information that is housed in City court documents the following data furnishing company XXXX XXXX along with the major credit bureaus - XXXX, Experian and XXXX have violated my rights to privacy by reporting my Bankruptcy on my credit files without my written consent and have wrongfully used those court records by furnishing that information WITHOUT A VALID REASON LISTED under section 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years Subsection ( b ) states the ONLY REASON MY BANKRUPTCY SHOULD BE FURNISHED IS : b ) Exempted cases The provisions of paragraphs ( 1 ) through ( 5 ) of subsection ( a ) are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more.

By furnishing my court files for credit reporting purposes other than listed above XXXX XXXX and all the credit bureaus they have furnished that information, are all in violation of the law.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2022 bought designer sunglasses from vendor on XXXX paid XXXX from checking account Never received the product XX/XX/2022 asked the money to be sent back to me. Seller did not respond XX/XX/2022 filed a claim my bank the case was closed and I was not able to receive my money back.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act.The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX  account number XXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX Has violated my rights 15 u.s.c 1681 sections 602A states I have the right to privacy 15 usc 1681 section 604A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15usc 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 items of information other then records of conversations of crimes which antedates the report by more then seven years 15usc 1681s- ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the information is in fact inaccurate knows or reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (NC)

This is the sixth time Ive complained about this - it has been months since I was able to login to my Equifax and get my credit score a I get the same error on all different devices so the problem is with Equifax systems!! 

They lied in the last complaint # XXXX Fix it now!!!! 

I am going to sue you this is your last warning! 

Equifax lies all the time! Stop lying and fix the problem!!
Consumer complaint received 2020-03-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (UT)

XXXX  Customer Relations XXXX XXXX set-up 3-month defer payment plan as today we not working yet.But do have about 6 months of back payments due to me my wife will be depostit in to our credit union account we hope within week or two.XXXX   customer relation is ware of our situation, she gave us up-to XXXX XXXX to make payment of {$480.00} over phone or mail payment in.We are unable to to get all the money.She sent  us invoice of 2yrs we never got from American Credit Acceptance XXXX XXXX, XXXX , Texas XXXX We suppose to get 3-defer payments saying on infomation we are XXXX, XXXX, XXXX behind, i discuss with her on phone said we paid XXXX on XXXX when payments due on XXXX, with Grace period of 10 days due no-later then XXXX, before we get any late fees.I gone through records she sent us it shows we paid 14 payments total of {$7400.00} and 12 paymnets x {$480.00} = {$5700.00} they received on our account.I tried email it to her but i got different one from ACA said i need to call in. I called today XXXX XXXX they too didnot know who i was talking with.Could not connect me with XXXX XXXX she said to ask for. 
Here we are Struggling to make our auto loan payments, we should got defer 3-4 months add on end of the loan since we always paid on time.The payments was $ XXXXdue on XXXX, we always paid over 2yrs {$500.00} on time, may of been late once ... We was told couple days ago from Utah Attorney that since we got hurt on the job working for XXXX XXXX : We quit resign do to over work from light duty from our doctor requirements.To apply for XXXX  to get minimun 6 months back payment from XX/XX/XXXX to Now.Then Attorney will represent us because we both are under doctors care, we both need XXXX plus i should have surgery.My wife saw doctor on XXXX of Febuary XXXX XXXX found XXXX XXXX on her XXXX, she bumps her head they said it will kill her.We are trying to do everything we can.We are Homeless sleeping in the car every day, we have our blankets, pillows in car..We can't not get our car Repo, what will we do? Our Mortgage is in Forecloser due to Mortgage Fraud, attorney we got working on it, maybe when they are done can they sue ACA?
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MD)

I have been calling over XXXX to try to receive a refund for merchandise I returned back in XXXXXXXX to New York & Co in which I used my store card to purchase. The company has pulled tracking info & acknowledge the XXXX items were received at their warehouse but returned never processed. Each time I call they tell me a refund transaction in the amount of {$210.00} is being processed & I should get an email confirmation in a few days. I never receive anything & supposedly the process starts over. I asked to with supervisors, none are ever available. I even filed a dispute with Comenity bank who resides over the NY & Co credit card, I gave dates, times, item # & amounts on XXXX with a mgr, XXXX. I called to follow up the claim a week later and find out it was close the same day I opened it on XXXX. They are now stalling asking me to mail in the exact details already given when XXXX sure the paper documents will never be seen or investigated the same way all my previous claims have ignored. I filed a complaint with XXXX  on XXXX, it was closed on XXXX because NY & Co never responded. New York & Co has numerous complaints of the same nature from various consumers on their XXXX. This company needs to be invested from fraud especially since there was talks of bankruptcy not too long ago. 
Details of my Dispute : Order # XXXX Items Returned : 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 XXXX XXXX XXXX XXXX XXXX XXXX Notes of my calls since I started documenting : XXXX return {$210.00} refund amount spoke with rep Mark XX/XX/28 at XXXX, XXXX with rep XXXX XXXX, no update will schedule task & update me tomorrow, spoke XXXX  from Comedity bank filed dispute on XXXX XXXX XXXX will give message to supervisor to XXXX will also process another request for refund XXXX filed another dispute with bank prior claim was opened on XXXX & closed on XXXX
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

On XX/XX/2020I paid off a collection from XXXX XXXX Preauthpmt XXXX XXXX, XXXX XXXX That's how it show 's up on my account for {$58.00}. On my credit bureau says XXXX XXXX XXXX  # XXXX XXXX. They told me they would put a request together for Equifax  & XXXX  and rushed the request to get it taken off of my credit. I've made numerous phone calls to Equifax and they said I could dispute it. The problem is I can't dispute anything because I'm applying for a mortgage and the collection is dragging my credit score down. Please let me know if you can help me get this taken off of my credit. Thank you! XXXX
Consumer complaint received 2023-01-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

I have missed XXXX, XXXX, XX/XX/2022 payments and I had applied for the Wisconsin help for homeowners program in XX/XX/2022. On XX/XX/2022 a payment was made in the amount of {$8000.00} to Mr Cooper haf from whh program. To this day Mr Cooper is denying the payment occurred. I have contacted the XXXX XXXX XXXX  consultant XXXX  XXXX, the director of the Wisconsin help for homeowners program XXXX. The government of Wisconsin treasury. All have said the payment was made. Also they notified me that these payments are made in batches and that they have had problems with Mr Cooper with many other peoples accounts from XXXX.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (MI)

Credit Karma is always offering me Credit Cards on their application! They say I have good or excellent approval options but when I apply I am refused! This has caused many unnecessary hard pulls on my credit report! They have damaged my credit with these mis-leading advertisements.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WY)

When I applied for a loan XX/XX/20, I learned there was a freeze on my credit reporting with Experian. I've gotten into their circular " interactive '' phone system 5 times and was pushed to the page to, instead, submit request by mail. That requires a written letter, along with the following : " government issued id card, such as driver 's license, state id card, etc. copy of utility bill, bank or insurance statement, and a copy of social security card or another document that displays your ssn. '' I can provide a copy of my diver 's license and a utility bill. And my social security card. It does not, of course, contain a SSN any longer. I need to know what else I  can provide to fulfill their requirements for a document with my SSN on it. BUT I CAN NOT REACH ANYONE TO ASK, NOR GET TO A PLACE ON THE WEBSITE THAT WILL ANSWER THIS QUESTION. 
I need to know how I can get the freeze removed. I understand the process of dealing with your agency can in itself take a couple of months just to get through, hopefully, to Experian. Consequently, I will not be getting a loan ( the genesis of this nightmare. )
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2023-01-17
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. (FL)

CFPB + TransUnion, I have 4 unauthorized hard credit inquiries on my TransUnion credit report - I called each of these 4 hard inquiries on XX/XX/2023, spoke with customer service representatives, and all are requesting the hard inquiries made into soft inquiries and/or removed altogether. 

Attached to this complaint are : - drivers license - social security card - address - my complaint letter *with documented proof* - Screen shot from TransUnion credit report where these show up TransUnion, you need to have these 4 unauthorized hard credit inquiries made into soft inquires and/or removed from my credit report immediately as its damaging my credit.
Consumer complaint received 2023-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing this letter in regards to the Capital One # XXXX on my credit file. I am requesting a copy of the original agreement and original contract from the creditor with my signature that shows that I agreed to the terms and agreement provided by Capital One for the account above. This is not a request for a debt validation letter, but a copy of the original agreement that was signed when this account was created. If there is no legal contract binding me to any terms and agreements set forth by Capital One for # XXXX and if you can not furnish an original agreement, please permanently remove this account from my XXXX credit file as there is no proof that legally I signed an agreement with Capital One.
Consumer complaint received 2023-03-07
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: Affirm Holdings, Inc (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc. (TX)

Southwest Recovery is trying to collect on XXXX debit that is due to identity theft. They claim I opened an account on XX/XX/2020 and have collections for {$5000.00} they have not provided me with anything when I called and told them I am a victim of identity theft. They have shown gross negligence when handling the issue. They have not provided me with anything. 

The information needs to be more accurately reported and listed. The collection agency has never once provided me with any information regarding this debt, its origin, or another history. I received nothing via mail, nothing from an attorney, or any other mailed document regarding this item. I am disputing under the grounds of inaccurately reported information as outlined in the Fair Debt Collection Practices Act specifically to information illegally listed without documentation. I have disputed the information on those grounds. I am asking this agency to place this complaint on the record and to assist in overseeing the collection agency in fulfilling its compliance with my request. I am prepared to seek legal redress for this activity and respectfully request that this complaint be placed on the record.