davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (MD)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681 c. ( 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 crime which antedates the report by more than seven years. 
15 U.S.C 1681 s-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 reasonably cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-05
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. (OK)

XXXX XXXX XXXX XXXX Reported to the credit bureau that I owed them {$16.00} XXXX was unable to secure housing for me and family due to their careless error. I paid the {$16.00} only to receive a check months after for {$1000.00} showing where XXXX XXXX XXXX XXXX owed me. 
The mistake has caused me to receive higher interest rates including some denials.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2019 I tried to get my free annual credit report from TransUnion utilizing the XXXX XXXX website. Before I had a chance to print or save a pdf version, my session timed out and I could not get the report again. I had since tried contacting TransUnion about this problem but they kept insisting I have to purchase a 3 credit bureau report and score for {$29.00} in order for me to continue. 
Please assist as I felt cheated and unfairly treated. I spoke to a customer service representative called XXXX on XXXX XXXX at XXXX XXXX central time. She was very evasive and refused to provide her last name.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

THIS COMPLAINT SUNMITTEF BY XXXX XXXX PERSONALLY IVE BEEN EXPERIENCING A GLASS CEILING WITH MY CREDIT SCORE FOR YEARS SINCE MY XXXX XXXX. I HAVE RE-ESTABLISHED NEW CREDIT IN ADDITION TO MANY GOOD ( PAID ) OLDER ACCOUNTS THREW HARD WORK & LONG HOURS. HERE ARE PRIME EXAMPLES WHY : XXXX. XXXX ( XXXX ) BAL IS XXXX WITH A XXXX AVAILABLE CREDIT XXXX. XXXX ( XXXX ) IS OPEN NOT CLOSED. HAS NEVER BEEN CLOSED! IT HAS A XXXX CREDIT LIMIT WITH XXXX XXXX XXXX. XXXX ( XXXX ) HAD XXXX AVAILABLE CREDIT ALSO WITH XXXX BAL. EXPERIAN SHOWING SAME ACCOUNT 2X. ONE OPEN & ONE CLOSED. ACCOUNT IS OPEN. IT TOO WAS NEVER CLOSED ALIKE XXXX! 

IN CONCLUSION : IT APPEARS MY SCORING FACTORS SUCH AS CREDIT USAGE, DEBT TO INCOME RATION & AVAILABLE CREDIT IS BEING DERAILED BY MY ACCOUNTS, BALANCES & PAYMENT HISTORY KEEP ARBITRARY COMING UP CLOSED WHEN I PAY THEM DOWN!
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/2023 I received one text msg from Wells Fargo regarding activity on my card, one charge in the amount of {$59.00} at XXXX and a second charge also at XXXX for {$44.00}, same text message. I contacted the card and informed I did not make those purchases. I was told they would send a new credit card, it would take between 5 to 7 business days for the new card. on XX/XX/2023 I received another text message, two new additional charges with the last 4 digits of the a card number that I don't recognize. One charge in the amount of {$82.00} and another charge in the amount of {$59.00} both to " adobe ''. Called the credit card again informed that I still don't have a new card and this " new card '' was never activated and questioned how can a inactive card can be charged. I was informed by their fraud department that these were recurring charges. I do not have recurring charges on the old card and still didn't activate the new card. Same call, the fraud department then informed this was a charge the fraudsters tried to place on the old card and somehow associated with the new one. Again this " new card '' which I don't even have the number was never activated. I can't confirmed if a new card account was opened or if this is the replacement card. Checking the account online still asks me to activate the new card never received. Again a this new card supposedly was cancelled and again a new card will be issued. This is a recurring fraud happening where the information is being passed to the fraudsters with the new number before the card holder gets the card. I asked several times how this can be prevented and was informed the " issued '' was taken care since the cards gets cancelled. I also questioned how can a a card have a charge if it was not activated if this is in fact the replacement card.
Consumer complaint received 2022-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

THERE IS ONLY ONE LATE PAYMENT ON MY CREDIT REPORT, LISTED AS DEROGATORY. IN 2019, I CLOSED MY ACCOUNT WITH XXXX XXXX  DUE TO A SUCCESSION OF FRAUDULENT ACTIVITY ON MY CARD WHICH DISCOVER TRACED TO XXXX AFTER CLOSING MY ACCOUNT, A CHARGE WAS ADDED TO THE CLOSED ACCOUNT ALTHOUGH NO GOODS OR SERVICES WERE EXCHANGED WITH THE VENDOR. I REFUSED TO PAY A CHARGE THAT WAS NOT MY OWN. XXXX REFUSED TO REMEDY, DECLARING THAT THE DISPUTE WAS BETWEEN MYSELF AND THE VENDOR. BECAUSE I REFUSED TO PAY A FRAUDULENT CHARGE, XXXX APPLIED A CHARGE-OFF ON MY ACCOUNT, AND THE NET EFFECT IS AN ARTIFICIALLY LOWER FICO SCORE. 

I CONTACTED TRANSUNION TO REMEDY MY CREDIT REPORT, BUT APPARENTLY THEY SIDED WITH XXXX. 

COMMON SENSE DICTATES THAT IF I HAVE NEVER MISSED A PAYMENT ON A ANY LOAN I ASSUMED OR OTHER CREDIT ACCOUNTS ( MANY OF WHICH ARE PAID OFF COMPLETELY ), THERE MUST BE A REASON FOR WHY I AM NOT PAYING XXXX. AGAIN, I REFUSE TO PAY FOR A CHARGE THAT DELIVERED NO GOODS OR SERVICES.
Consumer complaint received 2024-02-22
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. (PA)

After reviewing my credit report I've found inaccurate and incomplete information This account was paid and closed but never late please update asap All three credit report are reporting inaccurate Such as 2 late 30 day late payment for experian XXXX 60 days late for XXXX for XX/XX/2019 and XX/XX/20XXXX XXXX
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc. (SC)

Two medical debts are being reported by Receivable solutions that were a result of fraud that I believe was used by a relative with a similar name. I have disputed this debt and have furnished it to the credit bureaus as well but this collection agency continues to cause me damages by reporting these negative accounts that I 'm not responsible for. Please help me to resolve this matter quickly and amicably.
Consumer complaint received 2019-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (AZ)

SIGNED UP FOR OPTIONAL CREDIT PROTECTION SERVICE AND LOST JOB ONE MONTH AFTER CARD WAS IN MY POSSESSION, ENDED UP MOVING AND OTHER THINGS GOING ON CREDIT CARD COMPANY NEVER LET ME KNOW I COULD HAVE FILED FOR PROTECTION AND HELPED KEEP CREDIT SCORE. NOW THEY TALKED ME INTO MAKING A {$50.00} PAYMENT TO " BRING CURRENT '' AND SAY NOW I CAN BACK DATE TO XXXX OR XXXX FOR HELP.. 


I DONT SEE IT BEING CORRECT.
Consumer complaint received 2022-09-25
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. (PA)

In accordance with the FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights under XXXX XXXX XXXX section XXXX states I have the right to privacy XXXX XXXX XXXX section XXXX section XXXX also states a consumer reporting agency cant furnish an account without my written instructions. 
XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
View attachments below
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANNER CORPORATION (OR)

Hello, I received over XXXX XXXXXXXX in XXXX funds between XXXX. Someone close to me committed fraud and attached a XXXX XXXX to my online bank account and stole over XXXX XXXX  or more. I file a fraudulent claim with my banner bank and only received about XXXX XXXX back. 

Once I told the bank that I never owned a XXXX XXXX cell phone thats attached to my bank account, they never did anything about but it but closed my online banking. As of XX/XX/XXXX, I am still trying to get the IP address and transactions, transfers and wires that were made by someone who attached the XXXX XXXX to my account. I have not been helped and the manager said she has been denied by the fraud and online banking department for help. I told the manager several times that this is fraud and give them names of who it is, since XXXX, and something needs to be done about this. I have demanded that they give me the IP addresses and transactions from the XXXX XXXX devices that I never owned. 

After saying I will sue, now they might have a list of IP addresses created now. Even after I have been told from the Online banking department that they cant give me any information after 60-90 days. I need to persecute the persons that committed the fraud and I need the bank to help me with the IP addresses asap.
Consumer complaint received 2019-09-10
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: WELLS FARGO & COMPANY (SC)

I have contacted the company twice and four other times through the credit bureaus. The account is not minds and I didnt sign for the account. Each time I just get sent a bill not information proving the account is minds.
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (PA)

On my Experian Credit Report there are XXXX fraudulent accounts reporting. I have been disputing these fraudulent account for years now. I have sent in all supporting documentation to prove that these accounts do not belong to me at all. Police reports, FTC reports, address verification. Still to this date these accounts are still reporting and t the credit bureau is refusing to assist me in this matter. I recently filed a complaint with this agency and the credit bureau Experian responded and informed me out what to send it to have these accounts blocked and removed. I have submitted the information and they still have yet to remove these accounts from reporting.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

As of XX/XX/2022, Ive been a victim of Identity Theft. Even though I have taken all actions to prevent this person to continue harassing my finances by using credit locks on all 3 Credit bureaus as well as changing my bank information and getting new cards, regardless as of XXXX  XX/XX/XXXX. This individual has been able to access my bank account and withdrew {$500.00} going to a teller in person, handing a scannable and verifiable Fake ID with his face and my info, and has been approved to cash out money from my account by using the fake id and my social security number. 

On XX/XX/XXXX, this individual purchased a {$2500.00} worth of equipment in BEST BUY using my credentials and impersonating me. He tried going to the bank again and the bank notified me due to a security freeze I placed on the account. 

The person is also actively going toXXXX carrier stores with this fake ID and my social to try lock me out of my account and swap sim phone number from my phone to his so he can verify my 2-factor authentication on all my private accounts. I am taking preventive measures and changing my phone but this person still has my social security for the rest of his life
Consumer complaint received 2022-09-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding is a collection agency that repeatedly adjusts the amount of the debt in order to keep it active. They reduce it {$1.00} then raise it {$1.00} in attempts to circumvent the aging out of the account. Due to that nefarious practice, Midland Funding, by continually adjusting the amount of the debt, is creating damage to my credit score on a regular basis. The actual amount of the debt claimed is being fraudulently manipulated. Midland Funding is habitually violating the Fair Debt Collection Practices Act enforced by the FTC.
Consumer complaint received 2019-11-28
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: Phoenix Financial Services LLC (CA)

{$2000.00} they say I owe for medical when I have been getting social security since 2000 ... this is a dilemma that ones pull when me and my wife separate every time they used my credit to destroy my dignity and self XXXX.phoneix financial services ( XXXX ) XXXXthat is the company along with their number.Im XXXX  and this is bringing on another XXXX of my XXXX  condition. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/XXXX I applied in store for an Arhaus credit card and an accompanying interest free promotional period. The in store representative told me that I would be making equal payments for the term of the loan. I was also told that I would be getting written disclosures in the mail from comenity bank ( the holder of this account ). 

Over the next several months, more than one of my statements was received after the due date of the payment. I had to call in to request the removal of late charges since I did not receive the statement in a timely manner. I also set up an on line account so that I could make my payments directly. 

My most recent statement for the payment due XX/XX/XXXX shows an interest charge billed of {$1800.00} and an interest rate of 29.99 %. When I called comenity bank for an explanation, I was told that my promotional period had expired ( I was never notified of this ). I was prepared to make the payment in full and requested an abatement of the interest charge, but the representative ( XXXX XXXX # XXXX ) refused. I explained to her that I never received the legally required disclosures and did not have a clear understanding of the terms of this interest free " loan ''. AND, none of this matched the information that I was given in store. 

I am prepared to pay the balance in full ( before the interest charges ) and request that comentiy bank be investigated for these loan sharking practices.
Consumer complaint received 2019-11-28
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: Army and Air Force Exchange Service (TN)

There had been 2 accounts compromised after I had filed bankruptcy ( my social security has been scanned and detected on the dark web ). One was a merchant credit that had been charged to the max limit. I've disputed and it seems like it was removed from my credit but I still receive debt letters from the company about the balance. The other was a credit card that was not opened by me and apparently charged to the max. I contacted the company several times ( XXXX XXXX XXXX ) about the card and they closed the account and i filed a dispute several times without any success. I don't have any documentation because I never opened the account so I don't really know what I can show to prove it wasn't mine. My wife also had the same problem with a card opened in her name without her knowledge and we've been fighting them on this for well over a year now. I had just filled bankruptcy because of my credit being screwed up and also had a credit freeze for a year. I'm getting no help from my side and hoping you can resolve this once and for all.
Consumer complaint received 2022-09-24
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. (NC)

On XX/XX/2022 I disputed collections that were on my credit report that I had not been aware of. The company XXXX XXXX XXXX can not produce any type of contract that I XXXX XXXX have or had with them. Experian removed one collection from my report but not the others which are from the same company.
Consumer complaint received 2022-09-24
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. (MA)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$35000.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$10000.00} ), COLLECTION ( Opened XXXX XXXX, XXXX, Balance {$280.00}, Original Creditor Name COLLECTION ), XXXX ( Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX  ( Opened XXXX XXXX, XXXX, Balance {$0.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account 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
Consumer complaint received 2023-03-01
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. (CT)

In accordance with the Fair Credit Reporting act XXXX 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