davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TN)

XX/XX/22 XXXX $ XX/XX/XXXX I was scammed out of XXXX XXXX I filed a claim, XXXX XXXX XXXX Zelle both failed to conduct an actual investigation and my money was never returned to my account. XXXX XX/XX/XXXX I was scammed again for XXXX $ from a merchant that I use often but this time around they did not deliver what I paid for. I filed a police report because of the lack of trust I have with XXXX XXXX and zelle to conduct an investigation to retrieve my funds. XXXX. 

I want my XXXX $ back or I will escalade this matter. 

If nothing is done I will be seeking legal help to get my money back rather its through the courts or XXXX arbitration. I work too hard for my money not to have it returned back to me.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IL)

In XXXX of 2021, XXXX XXXX held our mortgage. Our last pay went was made to them well little did we know they sold our loan to FAY SERVICING LLC. Since XXXX of 2021 we have no been able to make a payment because they keep threatening foreclosure thru mail. I have called and called and called and I am at a loss at this point. My husband is the breadwinner, has had XXXX very serious surgeries which has made him unable to work. My daughter and her little boy who has XXXX  live with us and she tries to help as much as possible but only get his ssi. I need help with this company I just recently received a letter of my payoff and they added nearly XXXX in fees.
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (NC)

I have had an account with Discover since 2008, and in that time frame I have never missed a payment by more than a few days. Due to unfortunate circumstances ( a school bus hit my townhome ) I found myself the day before closing on a new house and was told I had a 30-day late payment on my credit report. To my surprise they told me it was my Discover card, that I had no idea was late. I am set-up for paperless billing and I had not received a statement, payment due notification, late statement, etc. I reached out to them to explain the circumstance and they claimed I received emails. Additionally the way Discover has set up their online portal if you miss a payment the payment due date doesn't change to " Past Due '' it changes to the next month 's due date, so even after I knew it was late I logged in and had no idea as it was not indicated in my due date. I feel like this is a very deceptive act and is built in a way for Discover to profit on late fees.
Consumer complaint received 2022-12-18
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)

On XX/XX/2022 I accessed my TRANSUNION credit report to see FIVE fraudulent accounts that are not mine as well as ONE hard inquiry thats not mine. 

The fraudulent accounts were as follows : XXXX  XXXX with the account number XXXX, to the amount of {$4300.00}. 
XXXX XXXXXXXX XXXX with the account number : XXXX with the amount of {$4300.00}. 
XXXX  with the account number of XXXX with the amount of {$1600.00}. 
XXXX XXXX XXXX with the account number XXXX, with the amount of {$5300.00}. 
XXXX XXXX XXXX with the account number of XXXX, with the amount of {$13000.00}. 

The TRANSUNION Report # was. XXXX On top of this I never provided TRANSUNION with my written permission to publish ANY of this information on my report, which is my right as a consumer per USC codes.

This fraudulent information has made my credit score extremely low and as a result of this Ive been rejected from several loans, an apartment, and it has been extremely emotionally distressing.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (IL)

I opened a Money Lion account in Summer of 2018. The account charged a monthly fee, part of which was for the service and part was for investment. The company also offers {$500.00} loans to members. I took out the loan and repayments were to be made every two weeks, along with the membership/investment fees. These fees and payments were deducted automatically by Money Lion from my checking account. Money lion has never sent a statement or balance sheet, or any other written information regarding the loan or investment account. I made several attempts to contact Money Lion to resolve issues and questions but was never able to get a hold of anyone, and when I finally was the person had no information to offer other than canned responses. I noticed recently Money Lion has notated late payments toward the loan on my credit reports. I was never aware of the delinquent status and as far as I knew payments were being made as planned. I tried to contact Money Lion again but still had very little luck getting a hold of a live person, and when I did they again knew very little. I tried to pay off the loan balance online and instead of charging me for the loan, Money Lion made nine separate charges of {$36.00} on my account, causing me over {$300.00} in overdraft fees. When I finally was able to speak to someone to pay off the loan and close my account, I was informed that the {$36.00} charges were to bring me " membership '' up to date, and had nothing to do with my loan. When asked why that charge came through instead of the loan payment, the rep couldn't say. I paid off the loan with the rep and requested to close my account. I was informed the account couldn't be closed until the outstanding membership fees were caught up, so essentially Money Lion has {$300.00} of mine in an investment account that I can never get back unless I can pay the so-called " membership fees. '' I feel they are holding my money XXXX in addition to ruiing my credit report. 

I can't stress enough that I have never, not once, received a statement from Money Lion for my loan account, which by itself is questionable business practice. If I had received a statement, or any notification for that matter, the account woudl have never become deliquent. 

So no Money Lion is holding my money XXXX as well as my credit report.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (PA)

Our Telephone calls, emails, letters. Don't have all dates but our letters dated XX/XX/XXXX and today XXXXXXXX XXXX. Company responded to our emails and telephone calls with form letters dated XX/XX/XXXX and XX/XX/XXXX and with email XX/XX/2022. Last letter recross dated XX/XX/2022 saying they are correct. 

I can provide copies by mail.
Consumer complaint received 2022-09-13
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)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-18
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 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 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 2024-02-18
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: Experian Information Solutions Inc. (RI)

XXXX is reporting an inquiry on my credit file. On XX/XX/2024 XXXX XXXX  got a report of my credit without my authorization. I have no business with that company.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 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 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 2022-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

XX/XX/2022 I ordered XXXX XXXX XXXX internet installation service at my service address. 
XX/XX/202XXXX XXXX XXXX XXXX promised installation but their installation crew never showed up XX/XX/20XXXX XXXX XXXX XXXX  customer service informed their crew will be available XX/XX/2022. 
I immediately canceled service - service cancellation confirmation number XXXX was generated by XXXX XXXX XXXX for an account that gets activated XXXX XXXX. They added notes to this confirmation number since the account was being cancelled without getting activated ( please note : XX/XX/XXXX to XX/XX/XXXX the account was not active ) Account cancellation related survey requested by XXXX XXXX XXXX on XX/XX/2022. 
Equipment was returned unused. 

Since no crew showed up to install the service, the service never started. 
XXXX XXXX XXXX has since XXXX the online account and their customer service never gets any answers regarding this matter. 

In XX/XX/2022, I started getting incessant calls from a number in XXXX, eventually when I picked up it was Credence Resource Management  calling to collect an XXXX XXXX XXXX XXXX claim for debt for services ( *that never got installed and never used ). This was promptly disputed over email. 

I am getting contacted regularly by credence over email and phone that I still owe them the money for services that I never received and I need to again dispute the claim. 

How do I stop XXXX XXXX XXXX XXXX Credence from XXXX XXXX into paying the money for the services that were never started?
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (SC)

After several attempts of getting the credit reporting agency to do what's LAWFULLY correct as far as my credit reporting account. They have failed to delete the account. Investigation was not properly done. They pushed back with letters for me to reach out to the furnisher. 

I made an attempt again a month now as of today and no response. Not only did they not remove the times from my account ; they did not pay me per violation since they refuse to rectify this. Per the FCRA I noticed the credit reporting agency violated these laws as well : 15 U.S. Code 1681i section 602a- I have the right to privacy ( I did not give permission to anyone to place anything on my account 15 U.S. Code 1681i section 604a- I must provide written consent for any accounts. ( The credit reporting agencies as of today has NOT gave me a copy of my consent to do so. ) 15 USC 1681 ( a ) ( 4 ) - Violation 15 USC 1681a. ( e ) - Violation 15 USC 1681b. ( a ) ( 2 ) - Violation 15 USC 1681i. ( 5 ) ( A ) ( i ) - Violation 15 USC 1681a. ( 3 ) Medical information restriction guidelines, which has been violated.

15 USC 1681a. ( c ) 6. A States that I may seek compensation for violation damages. ( I will like to be compensated for these violations immediately or the removal of the accounts.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 experian dropped my score from above 660 ( fair ) To below 600 ( poor ) for no reason, no outstanding debt no bad report, I am trying to get into a better apartment and to qualify I need a good credit score now Im XXXX  and I have not done anything wrong I avoided debt to qualify and Experian has harmed me by dropping my score for reason. 
Spent an hour on the phone with Experian operator and she said there is nothing they can do Please ask them to return my score to what it was so I can qualify for my apartment Thank you
Consumer complaint received 2024-02-18
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. (GA)

These companies are in clear violation of my consumer rights, XXXX and federal laws and continue to deprive me of my right to freedom for reporting inaccurate information. I did not give any written or verbal consent for these companies to have access to my personal data they are selling publicly and privately. I demand for the CFPB to do it's job and hold these companies accountable. This is clear violation of the privacy act of 1974, deceptive practices and also constitutes as identity theft.
Consumer complaint received 2024-02-18
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: Experian Information Solutions Inc. (RI)

Experian report an inquiry in my credit report from XX/XX/year> by XXXX XXXX XXXX. I have no knowledge of authorizing this inquiry, neither or have an account with this company.
Consumer complaint received 2023-10-18
Product: Credit reporting 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 viewed my credit report and notified the credit agency OVER XXXX ago that my credit report had fraudulent accounts. 
I sent in the needed information in order for them to successfully block these fraudulent items from my credit report pursuant to 605B : I provided proof of my identity, list of the fraudulent information on my credit report, and a copy of a completed and submitted identity theft report with the Federal Trade Commission from XXXX YET AND STILL, these items remain on my report and these credit agencies called them " verified '' accounts with no evidence or proof of that ever mailed to me pursuant to 15 USC 1681 - " Disclosure of investigative consumer report. '' They are violating my consumer rights. Both through 605B and 1681B.
Consumer complaint received 2022-12-17
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. (GA)

In accordance with 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 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  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 a account without my written instructions 15 U.S.C 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-21
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 XXXX XXXX Bankruptcy 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, 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 2024-02-18
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. (CA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

The following accounts do not belong to me nor do I have any knowledge of them whatsoever. I been a victim of identity theft and this is the aftermath of my reality. I'm demanding that the 3 major credit bureaus remove these unauthorized accounts from my credit data. The following accounts are, [ 1 ] XXXX XXXX, [ 2 ] XXXX {$760.00}, [ 3 ] XXXX XXXX {$53.00}, [ 4 ] XXXX {$53.00}, [ 5 ] XXXX XXXX {$760.00}
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My identity has been compromised while I was incarcerated and now I see accounts on my credit report inwhich I have no knowledge of and would like these accounts removed from my report immediately. These following accounts do not belong to me, ( 1 ) XXXX XXXX {$530.00}, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX {$290.00}, ( 4 ) XXXX XXXX XXXX   {$250.00}