davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
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. (NJ)

i am natural persone, i am a living human being, i have rights under 15usc 1681. 

XXXX is govern by 15 usc 1681. and they violated my rights numerouse of time. 
i demand the accounts listied below be remove because according to 15 usc 1681 ; I have the right to privacy and i did not gave XXXX written permission to furnish these accounts. 


acc .... XXXX name ... .. XXXX XXXX XXXX acc ... ... XXXX name ... ..XXXX XXXX XXXX XXXX XXXX ... XXXX thank you
Consumer complaint received 2019-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service of Central Washington, Inc. (WA)

I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. They're reporting 4 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the accounts that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ), and my wife did too, and XXXX XXXX XXXX has NOT removed THESE accounts from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Consumer complaint received 2019-09-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TX)

Closed my savings account with Citi Bank on XX/XX/2019. 
However, I get a statement on XX/XX/XXXX in mail that showed my balance of XXXX cents. There should have never been any interest incurred in my account since it was closed on XX/XX/XXXX and there was no remaining balance when Citi employee gave me a confirmation of closure of my savings account on XX/XX/XXXX. 
When I contacted Citi Bank on XX/XX/XXXX, an employee told me that my account is still active and currently can not close the account because of the balance my account has from Citi 's negligence. I believe this business practice was performed to keep the account alive for their performance scorecard and must be investigated.
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

These accounts affected me as I went to apply for a mortgage and was denied the accounts were not notated they asked me what was going on because this account was not notated. Creditor : XXXX  XXXX  XXXX, Account : XXXX Creditor : XXXX XXXX XXXX, Account : XXXX So I demand these accounts be deleted from my consumer report immediately. 15 U.S.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (SC)

On behalf of my XXXX children XXXX XXXX XXXX and XXXX XXXX XXXX Wells Fargo had me and my daughter with the same number that every person should not share as if we were the same person. I forgot the number but then I went back requesting missing child support payments for my kids it doesnt show what child support is stating was paid. Also, when I had the account with them since 2010 when they were called XXXX there were missing payments made to me, there was % and fees I didnt see while banking with them. They sent me XXXX small checks when they still havent paid for all the debit card fraud that was happening to my account, cyber criminals committing financial crimes using my account they paid me a total of {$700.00} for 3 different accounts. And one piece of mail was addressed to the wrong address an address I never used while banking with them. I only received the small check because I was forwarding all my mail. I explained to them from XXXX that I was dealing with identity theft, debit card fraud where I wasnt recieving their debit card through the mail and I kept having to use temp card while whom ever had the cards I never received. There was hidden accounts with my kids information money missing from IRS victims of crimes deposits and we never got those deposits. I want to know all the deposits made for my XXXX kids what happened to the money. Being i birth them, raising them and have no help with them. I want Wells Fargo to check all Accts from XXXX and find all Accts associated with me and my XXXX kids if they havent changed the names on the accts
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I was in the process of trying to buy a home in XX/XX/XXXX from XXXX and my credit credit was run by their finance department, my scores came back extremely low. So they showed me what was on my credit which was multiple credit card accounts that was not mine like Portfolio Recovery, etc. I filed a police report on identity theft with social security being compromised and sent it to the credit bureaus. I disputed all of them and only some of them were taken off my credit. But Portfolio Recovery remain with bill of sale paperwork from XXXX. Meanwhile, i was getting harassing calls from creditor, Portfolio recovery every day twice a day from XX/XX/XXXX till XX/XX/XXXX at work and home. I filled out an identity affividant with their company. Despite it all, in attempt effort to clear my name, they are now taking me to court for the debt.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (TX)

A Rep from XXXX XXXX XXXX XXXX XXXX ( XXXX  card ) called me and he suggested that I qualify to pay just {$35.00} per month for the next 3months or make a one time payment of {$100.00} to bring account to current nothing due. I made payment of {$100.00} since it was less than amount showing as due and he said because I was a long time customer that was a deal of sorts. Now a late 30 days shows up on my credit inaccurately!! Also they a falsely reporting me as having been late on this account. I hav never been late since I got this card back in XX/XX/2014. Please correct I need to buy my house next month!
Consumer complaint received 2019-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (IL)

On XX/XX/XXXX US Bank offered me a visa credit card that only could be applied within the bank that's how bank employee made their monthly sales quota. The person that I had lied about the percent rate she said it was going to be zero interest rate for 15 months and after that it would be 9.9 percent to my surprise it was 24 percent, I told them many of times that it was fraud committed within the bank. I made over 50 calls trying to resolved this matter I tried to get them to lower my interest rate but they wouldn't help me. They keep saying your account is in good status you have to be delinquent to get a low interest rate. I told them I can not afford to make the payments at that rate they refused to help me I spoke managers and supervisors I obtain a police report XX/XX/XXXX hoping that would help but no they messed my credit report up I ask them to take some of the interest off my account and remove it from my credit report I was trying to work it out with them so I can a payments. On XX/XX/XXXX I spoke with a supervisor she said the bank file a complaint on me. The collection representative was yelling at me and talking smart I told her I will hang up on her she said hang up. Then I call her a name this situation is causing me a lot of stress pain and suffering please help me.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo was charging me and taking money from my account and when I called or went to the brand they wouldn't provide me with any information about why they were taking my money and charging me XXXX charges which my account was always in the negatives when I deposited every check and received direct deposit then Wells Fargo closed my account with a charged off negative balance
Consumer complaint received 2022-08-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cash Time Title Loans, Inc. (AZ)

I have already paid my loan with Cash Time as of XX/XX/2020 yet I noticed that theyre still calling me and they tried to debt my debit card again. I have a receipt showing my balance is XXXX but I got an alert this morning that XXXX XXXX there was an attempted debit for {$39.00} and then yesterday they called me again. So Cash Time was pretty convenient to get a loan but their collection practice is pretty bad even if youre a day late theyll call and harass and email over and over again. But like I mentioned this loans already paid off so they have no reason to be calling and no reason to be trying to debit my checking account again.
Consumer complaint received 2019-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

My letter at the address in New York was stolen and all personal information was stolen. Before I complained to your committee that XXXX XXXX had been resolved, I had already called the police station for help, but now the PayPal account has been stolen, I can't speak English. So I was not using it in the last XX/XX/2018 of last year. I dont know, now Paypal has called me to confirm, I know that theft is very serious! Was owed to paypal company up to {$2200.00}! Account number : XXXX  This is not my account, and this email XXXX is not my email address at all! I hope that criminals can be brought to justice! thank you very much! XXXXPayPalXXXXPayPalPayPalXXXX
Consumer complaint received 2018-09-13
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: Risecredit, LLC (MO)

XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found an inquiry related to a cash advance loan that was applied for XX/XX/2018 using his information without his consent with Rise credit services. An official dispute of this information was mailed, certified with return receipt ( XXXX XXXX XXXX XXXX XXXX ) to Rise ; this dispute information was received and signed for XX/XX/2018. An additional dispute was faxed XX/XX/2018 to Rise. Rise has an obligation to conduct an investigation of this issue once the dispute is received and as of this date, per the original mail received Rise has failed to do so. This action is a violation of the FCRA and my clients federal consumer rights.
Consumer complaint received 2022-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

Received a phone call on XX/XX/2022 from XXXX. There was no caller ID info other than " location unknown. '' Caller left the following voicemail message : " Hi, This is XXXX XXXX calling from Wakefield and Associates. Please contact me or any of our representatives at XXXX. '' The voicemail did not include any information about who they were trying to contact. 

I hit redial on the incoming number ( XXXX ) but did not get the name of the person who answered. Before a real person picked up, a recording stated, " This is an attempt to collect a debt. '' I did not provide my name or any other identifiable information. I stated XXXX ( XXXX ) times to " remove this number from your call list '' and then hung up and blocked the incoming number. 

This is the second ( XXXX ) contact from Wakefield and Associates. The first was a text message around the end of XXXX or first of XXXX. In the preview of the text message that could be seen without opening the entire message, there was no information about who they were trying to reach. It just said " Please contact Wakefield and Associates. '' I deleted the text without opening or responding. 

I do not have any delinquent or unpaid debt so there is no reason for a debt collector to contact me. Also, I have had my phone number for approximately XXXX ( XXXX ) years so it is unlikely that they are trying to contact someone who may have had this number before me.
Consumer complaint received 2019-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (TX)

American Express is misleading consumers during credit card signup. Specifically around balance transfers. American Express has an internal limit on balance transfer amounts, but this is not disclosed in the terms of service, offer terms, or any other material during the account signup process. Additionally, American Expresses customer service line, prior to signing up for a new card, states to review the terms of service and offer terms for all requirements and restrictions related to balance transfers. Theyre mislesading consumers.
Consumer complaint received 2024-02-09
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. (FL)

hard inquiries listed below are on my credit report. i do not have any knowledge of these hard inquiries and have submitted a report of identity theft ( attached ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

My complaint is about Navient. I have loans with them with two co-signers. I took out loans to attend college but I left college to go to XXXX  school. My loans became due almost immediately after leaving XXXX XXXX. While in XXXX  school I was not working and I was told that my Navient loan could go into deferment, however I was receiving calls about making payments to which I always responded that I am supposed to be in deferment. Upon completing XXXX   school I could not sit for licensing because I could not pay the school loan and of course this became a horrible cycle. I could not get a job because I had no license and I could not get the license without paying back the school. In the mean time I let Navient know I had no income and was told I needed to do forbearance because my deferment option was exhausted. I had to pay {$150.00} to file a forbearance that lasted a month. Each time the loan came due and I wanted to file a forbearance I had to pay {$150.00}, which I had to borrow from family or friends. I was not given the option of an income-based repayment, which I found out later should have been an option. I was not offered an economic hardship deferment. There was no discussion about how to lower my payments Then in XXXX I asked specifically for a payment program that I could meet. The person I spoke to said I could send {$20.00} per month to avoid default. I sent {$20.00} per month for nearly a year before receiving a call from Navient stating that what I am paying is doing nothing for my account and I needed to pay more, which I could not afford as I was still not working. She said I might as well not send anything. Then I found out that I was actually kicked out of this payment program and my loan was in default. Navient began calling and sending letters and harassed my ailing grandmother who is almost XXXX years old.  She is a co-signer from XXXX but now on a fixed income and sickly. She was so fearful it made her sicker but Navient would not help me to release her from my loan so that she would not be harassed. As stated above, in the end my loan went into default and then I started receiving bills from XXXX, XXXX XXXX XXXX XXXX, XXXX with what appears to be inflated amounts of each loan. At this time I am still trying to pay back XXXX XXXX XXXX to sit for licensing so that I can get a job.
Consumer complaint received 2023-08-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On XX/XX/23 I called and asked for mortgage statement instead I received the amount that I owed instead of requesting information. I did explained that already have financial arrangements for mortgage and really needed form due to deadline for mortgage grant company. I felt racism and trying to kick a hurt person down due to whatever is going on in their daily life. When I was treated that way It made extremely depressed. I didn't need to be reminded I just called for some help during my hard time in life. Lakeview loancare is the ones that sent hardship mortgage grant to me but just didn't seem she was interested in helping me.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX Then and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-02-09
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

There are names, addresses, and incorrect employer information that needs to be removed from my report as this information should not be on there. In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized information on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report