davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (KS)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated under my federally protected consumer rights to privacy and confidentiality 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 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 with 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 innacurate
Consumer complaint received 2022-06-04
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 account # XXXX and 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 2020-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/XXXX, my wife and I went to XXXX XXXX to purchase some furniture. As part of the store credit card, we were offered 12 month interest free financing. We purchased 3 items, all expected to be delivered on different dates. The charges were processed on the days they were shipped and in the process, only the first item shipped under the " promo '' of interest-free financing. After a few months of payments, we realized we were being charged interest and contacted Comenity, the bank responsible for the XXXX XXXX Credit Card. We filed a dispute for the finance charges and were told it would take 60-90 days to investigate the dispute. At that point, I paid the entire balance on the account off except for the disputed interest charges. While we waited for the dispute to be investigated, Comenity continued to charge interest and late fee payments on the amount in dispute. I called and asked why they are charging interest and fees on a disputed amount about 45 days after and they said that it was still be investigated and I would need to wait until it was resolved to get an answer. On XX/XX/XXXX, Comenity issued a finance charge credit for the disputed amount, essentially agreeing that there should have been no interest charges charged, however, additional charges of {$71.00} of late fees and interest has been charged on the disputed amount. I called today, XX/XX/XXXX and spoke to a supervisor named XXXX who told me that I would still be responsible to pay the remaining balance as it was charged after the dispute was put in place. However, if this account had been set up with no interest, the account balance would and should have been {$0.00}.
Consumer complaint received 2020-02-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

I presently experiencing an hardship after a divorce, therefore I was attempting to refinance my current mortgage. However, I was unsuccessful, because the appraisal company obtained through Quicken Loans, did not provide a fair and accurate appraisal on my home, which hindered me from moving forward and also wasting my money.
Consumer complaint received 2022-06-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

EXPERIAN COLLECTION : XXXX XXXX AZ Balance {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COPPER XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX F XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AUTO XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALASKA XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX AZ XXXX Balance {$0.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX RIGHT XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX RIGHT XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-23
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: Resurgent Capital Services L.P. (CA)

In XXXX of 2021 I notified the companies of the inaccuracy. After being notified of my credit score in XXXX, I again notified the companies of the inaccurate accounts, it is still reporting as of XXXX XXXX.
Consumer complaint received 2022-05-14
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. (NY)

unauthorized hard inquiries on my credit report listed need to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I HAVE NO KNOWLEDGE OR AUTHORIZATION OF THIS DEBT. I WAS IN MICHIGAN DURING THE TIME DEALING WITH MY XXXX. I ALSO HAVE XXXX XXXX XXXX INSURANCE THROUGH THE GOVERNMENT AND GO THROUGH XXXX XXXX CLINICS ONLY. THEY COVER ALL MY MEDICAL NEEDS & EXPENSES. I SHOULD NOT HAVE ANYTYPE OF MEDICAL BILL FROM THE DEBT COLLECTOR BELOW : Commonwealth Finance Opened XX/XX/2020 - {$780.00} Original creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

XXXX XXXX : XXXX XXXX AZ Balance {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX F XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX AZ XXXX Balance {$0.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Fidelity National Financial, Inc (CA)

Wow where do I start. My closing was over 3.5 hours ago and Chicago Title is unwilling to provide me with my Federal Reference # for a very large wire from the sale of my home. I can not believe they are in a fiduciary capacity. The closing agent ( Chicago Title ) supposedly sent the wire over three hours ago but the wire is still supposedly processing. 

I was put on hold multiple times for a very long time, after being told only the accounting department can provide Federal Reference # s. Ironically, the hold music talks about the dangers of wire fraud for home buyers and sellers and how you need to be extremely vigilant after a wire has been sent. 

I still don't have any confirmation the funds were sent and the buyer was given the keys to the house three hours ago. 

The company said things such as you're not our customer; were not a bank when trying to explain why they couldn't provide proof the wire was initiated, and then told me to [ expletive ] off and hung up.
Consumer complaint received 2022-06-04
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: JPMORGAN CHASE & CO. (GA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Access Receivables of NC Inc. (NY)

We had compensation insurance through XXXX. The company went out of business and the balance owed was {$500.00}. XXXX increased the balance of the bill 10 times as a result of a several unannounced visits to review our paperwork after we canceled our policy. We were 6 months out of business and had all returned to regular employment. Recently I and my family have received threatening phone calls from Access Receivables Management. They have called me multiple times a day, utilizing different numbers and have recently began calling my family and have left voicemails describing the nature and content of the debt. I am feeing very harassed and my privacy invaded. The debt is inflated as a punitive measure for not taking a risk to take a day of my new job to meet with the XXXX  representative during work hours. I offered to meet anytime after. The company is financially closed and no longer had any employees and they are contacting my family which has no connection to the company. I am considering legal ramifications for the harassment and violation of my privacy rights. I have saved voicemails that were sent to my sister and father
Consumer complaint received 2022-06-04
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: General Motors Financial Company, Inc. (GA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-04
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: AMERICAN EXPRESS COMPANY (GA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2019-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (IN)

I started this loan on XX/XX/2019. I financed XXXX I have made 15 payments of XXXX totaling XXXX and my loan balance is XXXX, equaling XXXX of my principle paid. My interest rate is 98.98 % I will never pay off my balance at this rate, we are talking about 65 payments of XXXX totaling XXXX. For the consumer looking for a small personal loan, this is outstanding and incredibly insane. How can this be legal? This is getting people in trouble financially.
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. (CA)

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, in amount of {$7700.00} 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 2020-02-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MA)

IAW 15 USC 1692 I sent a Notice and Demand To Validate Debt Claim to LVNV Funding LLC. LVNV signed for this Certified Mail. LVNV Funding LLC did NOT respond within 30 days with the required information to validate that any actual debt exists.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I recently pulled my credit report and noticed the following account ( XXXX ) reporting in error from an unreliable source that is harming my credit and good character. Please investigate and delete : XXXX XXXX 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 : Investigate and delete this medical account because it inaccurately provides information sufficient to infer, the specific provider of the XXXX XXXX I received ( which is the medical providers name ).

15 U.S. Code 1681b - Permissible purposes of consumer reports ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer.
Consumer complaint received 2017-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc. (IA)

The first national collection bureau has been calling me repeatedly for days now, they are n't leaving any messages, or contact information. They have NOT sent me any information by mail, and have not verified the debt they are attempting to collect.
Consumer complaint received 2023-08-13
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. (AR)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2022-06-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX Reference # 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 an account without my written instructions.
Consumer complaint received 2022-06-04
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: WELLS FARGO & COMPANY (GA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.