davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

My mortgage was originally serviced by XXXX as a construction mortgage. Since then my mortgage was purchased numerous times and the current mortgage holder is Wells Fargo. I believe at this point that Wells Fargo is fraudulently foreclosing on my property. They do not provide me written documentation but claim that they will be removing me from my home on XX/XX/2016.
Consumer complaint received 2022-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without any written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-11-10
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. (WA)

Legally disputed items on my credit report to the 3 credit bureaus, have not heard back from Equifax OR XXXX  in 55 days from day dispute sent. 

Sent on XX/XX/XXXX CERTIFIED XX/XX/XXXX still no response
Consumer complaint received 2019-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC. (AZ)

XXXX  resold an account to midland funding- who moved from XXXX, XXXX to XXXX, mi  according to credit data recently acquired. This account is reaged- XXXX  debt is actually owed. 

XXXX XXXX has abused my phone for over 120K in TCPA violations. They continued to harass me after stating they would cease. Further- they keep playing who owns the account game with MCM/midland/encore capital to continue to illegally extort me. Even assuming I paid them- they would continue to extort me after trying to triple what I originally may have owed them. Once acct is resold- you only owe what the collector paid -- which is XXXX  on the dollar. Both XXXX XXXX-targeting consumers with no or low or abused credit intentionally- and mcm need business licenses yanked. I further demand access to new accounts from these companies to repair thier illegal damage. I am not afraid to take this case to the FBI and DoJ.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (MI)

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. 

Account name : XXXX XXXX account number # 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 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 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing this complaint to request that you remove the following unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. 

None of these inquiries were made by me therefore they do not have have permissible purpose. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I want these inquiries removed immediately as they are cause a devastating dip in my Fico Credit Score. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2022-05-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights U.S.C 1681 section 602 A. States I have the right to privacy 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 2022-05-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights U.S.C 1681 section 602 A. States I have the right to privacy 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 2022-05-06
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: CLGF Holdco 1, LLC (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without any written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-15
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. (ME)

Called to try to have the issue of multiple hard inquiries on my account resolved and received a call back at XXXX XXXX EST and was told I needed to provide proof that my identity was stole and was having issues with the police report because they said they would not do anything without documentation. 

I asked for my file and also their policy for my legal records and they said I could find it on their site. I asked if its public why there was an issue sending it to me? 

I then asked to speak with a supervisor and they said they were the supervisor and I again asked for a supervisor the person on the line ignored my request for a supervisor and then hung up the phone on me. 

The information one the case. 
XXXX Police XXXX # XXXX XXXX
Consumer complaint received 2022-05-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (CO)

XX/XX/XXXX we were told we were approved by XXXX XXXX at XXXX XXXX XXXX for a investment mortgage on specific terms ( 10 % down 3 months of reserves ). Me and my wife understood and were able to meet these terms same day we go under contract for a property. 

We submitted all the documentation requested such as pay stubs, tax forms etc. 

May 3, 15 days before closing. After a lengthy contract back and forth and the earnest money period, home inspection ( {$260.00} ) completed as well as a 2 5 day extension periods in which we could have withdrawn and retaining our earnest money ( {$2500.00} ) XXXX XXXX XXXX decides to raise the terms ( increasing a down payment requirement to 20 % ) -unbeknownst to us, in which makes obtaining the mortgage unobtainable. This is after XXXX XXXX XXXX  has received all our documents which would show we would not be able to meet these terms. 

XXXX XXXX XXXX acted in bad faith to myself, agents and sellers involved as if it was not for their initial direction of approval my family wouldnt be out the earnest money, cost to transferring funds, inspection costs. We would have never went under contract should they have been straight forward regarding their requirements.
Consumer complaint received 2022-05-06
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. (TX)

In accordance with Fair Credit Reporting Act the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2019-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (TX)

I have an account on my credit report from WAYPOINT RESOURCE GROUP # XXXX in the amount of {$150.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
Consumer complaint received 2022-05-06
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. (TX)

In accordance with Fair Credit Reporting Act the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2022-10-18
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. (IN)

On XX/XX/2022 there was a fraudulent attempt to open a credit card from company XXXX XXXX XXXX to Experian credit bureau XXXX
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: InDebted Corporation (OK)

XX/XX/, I was told by XXXXXXXX XXXX call center representative XXXX, that my XXXX credit card with XXXXXXXX XXXX had been sold to a 3rd party called Indebted XXXX  due to me being 6 months behind on payment. The balance on my credit card was then {$320.00} at that time. While my limit was {$500.00} She provided me with the phone number to Indebted XXXX to make my payment. I contacted Indebted XXXX XXXX XXXX on XXXX and I made the payment of XXXX, after making the payment.. I received NO confirmation nor receipt of payment. 

I continued to call Indebted XXXX as well as XXXXXXXX XXXX  over and over again, I even tried to dispute with my bank. I was told by XXXX XXXX  that Indebted XXXX has not sent them the check yet. I was told by Indebted XXXX that there was a glitch in the system and that my payment should reflect shortly. 

Finally in XXXX XXXX I spoke with a supervisor by the name of XXXX XXXX with XXXXXXXX XXXX, who told me all of my calls and complaints were documented and everything I explained aligned with what his data. 

He informed me that a week after XXXX ( call center rep ) informed me that my account was sold to Indebted XXXX my account was reversed BACK TO XXXX  AND NO LONGER WITH INDEBTED. I have never ever notified of any of these changes!! 

He then instructed me to send a letter explaining everything with my attached BANK STATEMENT as proof that I paid debt. In my letter I requested the issue be resolved and that the false credit reporting be corrected. 

Weeks later I received a letter in the mail explaining that the investigation was pending and I would receive a temporary credit and there would be no balance on my credit card. 

Weeks after that I received another letter stating that after investigating, my claim could not be supported and that the credit they provided me would be revoked. Leaving me with a balance if now over {$400.00} I contacted XXXX XXXX and they told me that my claim could not be supported because I could have disputed the charge since that bank statement. I WAS NOT ABLE TO DISPUTE TRANSACTION WITH MY BANKS DUE TO EXCEEDING THE 60 DAY TIME WINDOW. 


Since then I have given up the fight and decided to pay XXXX XXXX in attempts to XXXX out my balance AGAIN, since then my credit is STILL NOT REFLECTING. My credit report is stating that I have a balance of XXXX with a limit of XXXX which means Im using XXXX XXXX  of my credit which is badly affecting my credit. 



Weeks later I received another letter stating that because of my revolving credit my card limit is now XXXX, but I never received anything about my XXXX out my balance.
Consumer complaint received 2020-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

On or about XX/XX/2020 I received a SBA loan deposit into my bank account in the amount of {$100000.00} that issued by the SBA. It has been several months now that I haven't had access to my account. They have requested information regarding the deposit which I have provided but as of this date I have yet to have access to my funds. I have tried repeatedly to speak to a branch manager and was told that they were unavailable to spake to me. I have a agreement with SBA not the Bank in regards to the bank, however the bank refuse to release the funds and have stated that the funds will be sent back for no reason. I would like my funds to be release immediately.
Consumer complaint received 2019-04-24
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: EQUIFAX, INC. (IL)

I have on a number of occasions submitted a full Idenitiy thef package to Equifax in regards to these fraudlent account open by a Idenitiy thef. 
and Equifax had continue to violate my right under the FCRA.
Consumer complaint received 2018-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (FL)

I notified PayPal of Identify Theft regarding multiple charges of credit card / PAYPAL theft by thieves that used it for XXXX gambling. I had to shutdown the compromised bank accounts ( XXXX XXXX ) and I had notified PayPal of the issue. PayPal has locked me out of my PayPal accounts and shut it down and still attempts to collect some sort of debt from me by calling my parents phone number everyday. I have no option to log in to pay the alleged debts or even speak with Customer Representative because I can not get around their system saying that I have an account there because apparently I don't even exist to them. Strange.
Consumer complaint received 2022-05-06
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately : XXXX
Consumer complaint received 2022-05-06
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The accounts listed below are still reporting on myCredit Reports and need to be DELETED immediately : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I purchased 500 rounds of XXXX brand XXXX XXXX ammo from XXXX  on XX/XX/22. The website didn't redirect me to paypal.com like it should have, I emailed XXXX and they responded and told me to send the total of {$190.00} to XXXX through paypal using the personal/friends and family option and to email them once it was done. I did and they said the received the payment. I never got a tracking number or another email from them since. I have sent them many emails with no response as well as messaged them on their websites messenger. They do not respond to those messages either. I tried to call the phone number listed on their website and it goes to a XXXX voice mailbox that they also did not respond to. I have tried to report them to paypal but their only option to report the transaction is Issue with remittance. They closed my case and told me that the money was successfully sent to the seller and that that was the extent of their investigation. I have tried to escalate the case but they have not responded. I can give screenshots of all the messages on their websites messenger as well as copies of the emails with XXXX and paypal. I can also send a copy of the invoice.
Consumer complaint received 2022-05-06
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: NCB Management Services Inc. (NV)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NCB MANAGEMENT SERVICES for committing identity theft. I have never given NCB MANAGEMENT SERVICES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any type of documentation requesting validation from NCB MANAGEMENT SERVICES before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NCB MANAGEMENT SERVICES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NCB MANAGEMENT SERVICES can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NCB MANAGEMENT SERVICES continues its collection efforts, I will file for litigation for actual damages caused and NCB MANAGEMENT SERVICES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-05-06
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The accounts listed below are still reporting on myCredit Reports and need to be DELETED immediately : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX