davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (CA)

Central Portfolio Control has repeated texted and called me regarding a debt for someone named XXXX XXXX. Their agency number is XXXX. They have called me from numerous numbers less than an hour apart and when I tell them I am not XXXX XXXX they hang up and call right back. The last person I spoke to refused to from Central Portfolio Control used abusive and threatening language and raised their voice at me over the phone while I was waiting for my second interview at a new job. My potential employer heard this, and I believe it is the reason I was not hired.
Consumer complaint received 2021-01-15
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. (LA)

Transunion is in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which states the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Transunion is in violation of 15 USC 1681a ( e ) which states that a consumer report which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. Transunion NEVER did such interviews with any neighbors, friends, etc.

Transunion is in violation of 15 USC 1681a ( 2 ) ( B ) which states that the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term credit card pursuant to 15 USC 1602 ( l ) means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This only a few violations that states how Transunion violated me as a consumer.
Consumer complaint received 2023-01-24
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma (TX)

On XX/XX/2020 I created an ETF transfer from Credit Karma Savings to XXXX XXXX  XXXX. Recently, the wife and I had separated our Accounts from XXXX XXXX  so we had a new Savings Account Number. The account number we had on file with Credit Karma was still the old XXXX Savings account number. We did not realize this until after the transfer had taken place. I sent an email to Credit Karma explaining the error on XX/XX/2020 since they do not have a public phone number to call. I was sent a reply on XX/XX/2020 stating they were going to make contact with their " Bank of record '' to find out what will happen. I contacted XXXX XXXX  on XX/XX/2020 and they said typically with a failed ETF, it simply get 's routed back to the originating account. As of today, the funds have not appeared in my account. I attempted to email Credit Karma again on XX/XX/2020 but have not heard back from the " Bank of Record '' or heard back on my additional email. 

I found a phone number hidden in the financial documents for Credit Karma but it goes to a voicemail. Banking partner with Credit Karma is XXXX XXXX , XXXX I would provide you with my account number but according to their website " For your protection, we do not display your full savings account number nor routing numbers associated with your Credit Karma Savings account anywhere on the website or on your statements. Only the last four digits of your account number appear on your  statements. ''
Consumer complaint received 2021-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$850.00} 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 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
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$850.00} 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
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Oopps I WAS WRONG thinking USAA PERMANET CREDITS XX/XX/XXXX {$170.00} XX/XX/XXXX {$75.00} ARE REALLY PERMANET even though they ARE INCLUDED IN TOTAL CREDITS THIS PERIOD & SHOW AS ADJUSTMENT PURCHASES CREDIT see XX/XX/XXXX statement attatched. See attatched statement XX/XX/XXXX XXXX USAA REVERSED THESE PERMANET CREDITS {$170.00} & {$75.00} XX/XX/XXXX. See attatched USAA Statement XX/XX/XXXX {$15.00} {$17.00} {$25.00} PERMANET CREDITS USAA ** REVERSED XX/XX/XXXX see attatched statement. USAA can view these statements on line. TWO YEARS XX/XX/XXXX FRAUD NEVER CREDITED WITH ANY USAA PERMANET CREDITS ** THAT STAY PERMANET. DOES USAA HAVE ANY PERMANET CREDITS PERMANET??? I HAVE BEEN THROUGH ALL TEMPORARY CREDITS then awaited them TO BE MADE PERMANET TWO YEARS LATER and after I. Have had to FIGHT USAA TO MAKE PERMANET CREDITS DUE cleverly at a later date USAA REVERSES USAA PERMANET CREDITS. AGAIN, DOES USAA HAVE ANY PERMANET THAT ARE PERMANET???????
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Was sold and financed a used car that was considered a total loss by insurance and I was not told or made aware so I owe less than the car would be worth but cant sell it for anything because of the total loss history
Consumer complaint received 2023-02-06
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-06
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. (KS)

I went to a car dealership and they said they would only run my credit once and they shopped it to multiple agencies. 

I also think i'm a victim of identity theft as i do not recognize these accounts listed in the FTC report that i have attached below. 
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The credit reporting agencies are govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give the credit reporting agencies written permission to furnish these accounts
Consumer complaint received 2023-02-06
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. (KS)

I went to a car dealership and they said they would only run my credit once and they shopped it to multiple agencies. 

I also think i'm a victim of identity theft as i do not recognize these accounts listed in the FTC report that i have attached below. 

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The credit reporting agencies are govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give the credit reporting agencies written permission to furnish these accounts
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALAMEDA MORTGAGE CORPORATION (CA)

Wheres my money deb and XXXX XXXX  U stole money. I demanded its return. You ignored me and passed off the problem to XXXX XXXX a servicer. 

Wheres my money!!! My XXXX wrote several XXXX dollars was taken from payment you got and u applied it to an escrow. He failed. You failed. The XXXX  team failed. Everyone failed. To EXPLAIN WHERE THAT MONEY IS. 

WHERES MY MONEY ALAMEDA MORTGAGE. 

Wheres the hundreds of dollars you applied to an escrow account???
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

I have always has high utilization on my Citi Credit Card for years and I pay on time for years. I sometimes pay this card down or off and charge again etc. I took out a consolidation loand and this week paid credit cards off and paid down other cards and this Citi card sent me an email and they reduced my credit limit. I was in process by consolidating lower credit usuage and improving my credit score when they go and do that and that will not hurt my credit score and show my utilization high. They obviosuly did it on purpose. I chatted with them and they claim by looking over account XXXX  they have to adhere by these things and it was out of their control. I filed a complaint and I was told they woudl take it to management. I understand that these things happen but I pay on time and I paid a decent amount this week and in past I have done that and to lower my credit limit is mean and it hurts me as the customer. I was trying to improve my financial position. I was told I could try to get it increased in the future and they always look at accounts. I also told them I just was approved for a large raise which will increase my income by XXXX more a year. This is upsetting and I know they can do this but I have not done anything differently than I have for all the years I have had this credit card. So that is what bothers me. I am very upset to think customers are treated this way and they want to damage people 's credit rating on purpose.
Consumer complaint received 2020-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (DE)

The payments posted by Wells Fargo on XX/XX/2020 should have been transaction posted as of XX/XX/2020 ( for {$4000.00} Principal payment XXXX and XX/XX/2020 for the {$3200.00} mortgage payment that was due on XX/XX/2020. That is what were the Original transaction dates for these transactions with the prior Servicer, before Mortgage servicing was moved to Wells Fargo. Please correct the transaction dates as I am being incorrectly and unfairly duped into paying more interest even though I made those payments almost 2 months ago. Please advise. Thank you
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the XXXX  has failed to block this information and it has been over XXXX  days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WA)

This had been an on going issues for three years. 
Original was from XXXX XXXX XXXX ( or they said they are XXXX XXXX  XXXX This cellphone account was opened at New Jersey, where I have never been and phone bill unpaid for up {$1500.00}. I have called XXXX XXXX XXXX and told them that was not me because it was not my name. XXXX XXXX XXXX tried to get my name and I would not tell them because if I have opened that account, they should have known my name. Therefore, they have transferred this bill along with my address to different collection companies. 
When I called XXXX XXXX XXXX, it couldn't get into the fraud account. It said there were passwords. It made me wondering because what kind of company will open an account that their own administrators can't get in? Maybe it is an inside job? Maybe XXXX XXXX XXXX is also an fraud?
Consumer complaint received 2023-11-27
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: CLGF Holdco 1, LLC (TX)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEB-GENESIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.