davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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. (TX)

- 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 rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX  XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - 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 rights 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 - 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 rights 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 - 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 rights 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 - 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 rights 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 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

- 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 rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXXXXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - 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 rights 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 - In accordance with the fair credit reporting Act XXXXXXXX  XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - 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 rights 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 - 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 rights 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 2022-04-15
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX, PA XXXX Report XXXX Can you please remove addresses off Experian credit file. Fraudulent
Consumer complaint received 2022-06-01
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 (NV)

Some one started a new line of Credit on XX/XX/2022 with Capital one, I have not opened a new line of credit in over a year and it was not me. I want to alert and remove this from my credit report.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX 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 2022-06-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cottonwood Financial Ltd. (WA)

I have received numerous calls everyday about a debt for a loan that I did not take out. 

I have made repeated attempts including XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX and never have received written notification or clarification of the debt as I do not believe I have taken this loan out
Consumer complaint received 2016-11-01
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO. (AZ)

We have attempted to wire money to a escrow account for two days without success. 
The first transfer attempt failed because the account number was improperly submitted, the second attempt we were told was a failure to initiate the transfer after the account numbers were corrected. We have traveled more than XXXX XXXX miles in an effort to correct the problem, plus have made several phone calls without the problem being corrected, just promises that were that were not kept.
Consumer complaint received 2022-12-19
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. (RI)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( wont disclose acct number ) 15 U.S.C 1681 section 602 A states i have 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 1681c ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2022-06-01
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC (PA)

Novad Management Consulting has not responded to me or my realtor for a payoff amount ; there has been offers for my property since XXXX, 2021 ; The balance now owed is {$90000.00} and I moved in XXXX, 2021 and I am still paying utilities which I can't afford ; I have moved to senior apartment ; My realtor had offers for my property but they have not responded to her and I have also written a letter no response ; I notice that this company has over nine hundred complaints ; I want to really sell my home but they won't respond just keep sending the monthly statements and the amount is getting and higher ; PLEASE HELP ME!!!! Tell them to respond!!!!
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (IL)

Received a phone call on my landline stating the call was from Wells Fargo credit cards services and my card was used in a purchase. The call came from XXXX and XXXX o not own a Wells Fargo credit card.
Consumer complaint received 2022-12-19
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. (RI)

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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( wont disclose acct number ) 15 U.S.C 1681 section 602 A states i have 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 1681c ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (OR)

My husband sent me money via zelle through his bank XXXX XXXX to my bank XXXX XXXX. It was sent XX/XX/XXXX. It is in limbo. Zelle blames the banks, both banks told me to contact zelle, zelle told me it's on the bank. Meanwhile I am out XXXX dollars and am overdrawn at XXXX XXXX. Where is my money? Who is responsible? Evidently no one. Can anyone find this money?
Consumer complaint received 2022-06-01
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)

i already sent correspondence to transunion they are not responding i am a victim of identiy theft and there are unauthorized, unidentified inquiries on my credit report block and remove the following fradulent inquiries Transunion XXXX XXXX XX/XX/2022
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Key 2 Recovery, Inc. (MI)

I sent them a debt validation letter and their response was not an adequate validation of the debt. 
I have tried to upload the many documents I have including the certified mail tracking. It will not let me upload. Please contact me to get these documents for your investigation.
Consumer complaint received 2022-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Merchants and Professional Bureau, Inc. (TX)

45 days after my XXXX XXXX  Bankruptcy was discharged I checked my XXXX XXXX Credit Report to ensure all accounts were being reported correctly. 
I discovered that Merchants & Professional Collection Bureau , Inc. was reporting and old medical debt of XXXX that was discharged in the bankruptcy as a current and open debt. However they are showing a XXXX balance and that it was discharged. 
Showing a XXXX balance, they have lost permissible purpose and should remove this collection account from my credit file but have refused to do so. 
My Attorney has also sent them a cease and desist letter demanding the removal of the item, yet they have still refused to remove the item and continue to report as an open account with a XXXX balance. 
This is a debt that started with XXXX Texas XXXX XXXX and I have tried to reach out to them as well and they advised that Merchants & Professional Collection Bureau, Inc.is handling the account now and they also refused to take any action after the BK discharge.
Consumer complaint received 2020-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My mom informed me that I received a letter at her house where I use to live about a debt owed. I immediately looked into this debt and I do not owe child support. This person who owes this debt is not me. Someone has used my name and social security number to not own up to there own responsibility. I need this removed as soon as possible. Please get this unknown debt off my report.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX  reported to the consumers reporting agencies for an unpaid account three years ago and that account is now paid in the full amount. 
XXXX XXXX credit company, Experian, and XXXX  credit reporting agencies are refused to remove/delete the fully paid & closed account from my credit report history. 
Paid Date : XX/XX/2021 Amount Paid : {$69.00} Payment Confirmation Number : XXXX Paid Date : XX/XX/2021 Amount Paid : {$99.00} Payment Confirmation Number : XXXX
Consumer complaint received 2020-02-17
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. (NY)

Experian, I have contacted you several times about this and i am very upset that these inquiries still remain on my credit report that i stopped paying for my monthly credit report with your company since you don't care. 
These inquires below are not mine! I have contacted the business phone numbers on my credit report and the businesses say they are NOT reporting! Please remove these inquiries. 
WHO ARE THESE PEOPLE? WHY ARE THEY ON MY CREDIT REPORT?? 

EXPERIAN XXXX CRED Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX   XXXX XXXX XXXX, CA XXXX XXXX  XXXX   XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX/XXXX  Finance  Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX  XXXX   XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX THESE BELOW ARE FROM MY BANK ON THE SAME DAY! I SHOULD HAVE NOT HAD TWO INQUIRIES FOR THE SAME THING ON THE SAME DAY! I'M ALLOWED TO HAVE 1 INQUIRY FOR 30 DAYS FOR SAME BUSINESS. 

XXXX/XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX   Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2020-11-06
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: Experian Information Solutions Inc. (GA)

I have sent police report to Experian over 90 days ago along with proof of address an identification. Experian proceeded to block fraudulent item ( XXXX XXXX ) being reported by XXXX XXXX XXXX. Then Experian re reported the fraud item to my credit file an said its nothing they can do since XXXX  XXXX said they had valid info to prove its my account which is not true. I have never done business with XXXX  XXXX or even been contacted by them.
Consumer complaint received 2022-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation (AR)

I have put in a billing error dispute with Bridgecrest. After repeatedly trying to resolve the issue, despite my communication with them to cease and desist, for lack of acknowledgment of the dispute, They continue to break the Fair Debt Collection Practices Laws amongst other federal laws by continuously calling me, texting me and emailing me daily in an attempt to collect a debt.
Consumer complaint received 2022-06-01
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 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 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason ALSO, In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the highest balance is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
Consumer complaint received 2020-02-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Refiling this as answer was not sufficient. Please return payment made, as you did with additional two payments made at the same time, or accept payment Paid in Full. 

Qualified Written Request ( QWR ) Letter was sent to Mr. Cooper on XX/XX/XXXX. Item was delivered at XXXX XXXX  on XX/XX/XXXX in XXXX XXXX XXXX, CA XXXX to XXXX. The item was signed for by XXXX XXXX. To date, Monday, XX/XX/XXXX, a reply from Mr. Cooper has not been received. Status Delivered XX/XX/XXXX at XXXX XXXX  Delivered XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Mr. Cooper XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Ref : Error Resolution Notice under 12 C.F.R. 1024.35 Loan # XXXX QWR Qualified Written Request - {$3600.00} Payment Applied to Partial Payment Unapplied Funds I am writing to request detailed explanation and/or correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX, XXXX, FL XXXX, loan account number XXXX. Identifying the Error 1 ) Payment made on XX/XX/XXXX {$3600.00} ( see USPS receipt ) Payment applied to Partial Payment XX/XX/XXXX - Unapplied Funds ( see statement ) 2 )  Payment made on XX/XX/XXXX,  payment / check returned to Attorney XXXX XX/XX/XXXX ( see letter ) 3 ) Payment made online XX/XX/XXXX, refused online incoming funds and returned to bank account directly on XX/XX/XXXX ( see E-mail ) 3 payments, 3 different outcomes. As of today, Tuesday, XX/XX/XXXX, you are still holding the payment made XX/XX/XXXX, in an unapplied funds account. Explain why. Explain why one out of three payments was accepted. Explain why one out of three payments is now in an unapplied funds account. Explain why this payment was accepted and  categorized as partial payment. Explain why this payment, if partial, was not applied to loan balance. Explain why or where the interest amounts for this partial payment has been applied to. Explain how much interest this partial payment and unapplied funds account has accumulated from XX/XX/XXXX to now. Explain why late fee has been added for XX/XX/XXXX/XX/XX/XXXX payment if you have accepted the payment as partial payment. Explain why this first payment was not returned. Please see all attached supporting documents, as mentioned within. Sincerely, XXXX XXXX Screen shot online account statement XX/XX/XXXX ( Partial Payment from XX/XX/XXXX )
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act 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 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason ALSO, In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the highest balance is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I sent 3 transactions totaling XXXX to my broker through my bank. Had 2 of them recalled because I changed my mind but could not recall the third transaction which was for $ XXXX. 

I have all the documents from my bank and my chat with the broker rep. Im still out XXXX Please help
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.