davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
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. (MI)

I checked my current credit report and noticed that I have several hard inquiries from car dealerships and numerous other businesses that I did not apply for. I went into a XXXX XXXX  to apply but have several different dealerships on my report, as well as mortgage company inquiries repeatedly from the same company when I only applied once. I have put Fraud alerts on my credit reports to prevent fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

XXXX XXXX XXXX XXXX account was closed in XXXX of 2016. XXXX XXXX XXXX claimed that I owed {$170.00} for equipment that was not returned. I still had the equipment in question but XXXX XXXX XXXX sent the return box to my old address. I finally resolved this after many hours of wasted time and they sent the return box to my correct new address, after which I returned the equipment the next day. I kept the USPS tracking documents to prove that it was returned. XXXX XXXX XXXX finally admitted their mistake and removed the balance of my account. The XXXX XXXX XXXX representative reversed the amount and my account statement from XXXX XXXX XXXX shows that I owe them {$0.00}. A credit reporting agency called Diversified Consultants Inc. has been sending me multiple collection letters and harassing me with multiple phone calls during the day and night in an attempt to collect the debt in question that was cleared by XXXX XXXX XXXX. I sent a debt verification letter to Diversified Consultants to let them know I was disputing their claim that the debt was stilled owed. They sent me the attached file with the claim that I still owed this debt, even though the attachment that they included shows an amount owed = {$0.00}. This company is incompetent or dishonest since by their own proof, they are trying to collect an amount that I do not owe.
Consumer complaint received 2023-07-19
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (NC)

Someone has attempted to gain access to credit lines with my identify. I reached out to all three credit bureaus and advised them that there was inquiries on my report that I did not recognize and or authorize and that I wanted dispute them because they were fraudulent but I was met with push back. I further explained that I called the creditors whom weren't able to give any information other than to call the credit bureaus. I also explained that I have a fraud alert on my report, and that the creditors never called or anything and I was told the fraud alert protects me against this. I was told there is nothing that they can do to assist me and that I would need to file a police report. 
Since then I've attempted to file a police report because that's what XXXX, XXXX, AND EXQUIFAX advised me I had to do to get these fraudulent inquires off. After attempting to file a police report with my city police department I was told that a report could not be taken because the thief was not successful in actually opening a credit account with my name or other information therefore it is not identity theft and they would not proceed with a report. I'm beyond frustrated with this matter. Below are the inquires that are fraudulent. 

XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I looked at my report on XX/XX/year> and I noticed some things are incomplete and not accurate. And According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not complete and accurate.

And one mare thing according to 15 USC 1681s-2 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 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OH)

I was looking over my credit report and i seen that there were 4 hard inquiries that are unauthorized account that i am unaware about. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB- Card Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-22
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. (AL)

I paid off XXXX XXXX XXXX XXXX or XXXX on XXXX ( XXXX or XXXX XXXX XXXX ) and I sent a request for deletion as the company XXXX XXXX advised me to contact XXXX, TransUnion and XXXX and none of them have removed this debt COMPLETELY FROM MY FILE. I requested a hardline deletion and XXXX XXXX said that would not be a problem just submit my request with the credit bureaus. I 'm requesting zero collections on my credit reports. Also I have sent several lettters to all three credit bureaus requesting removal of hard inquiries that I did not authorize on my credit reports and they refuse to remove them due to fraudulent activity. I requested XXXX to remove XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, and XXXX XX/XX/XXXX. I requested TransUnion to remove XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXXXX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX 1XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.
Consumer complaint received 2022-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (OH)

I sold an item to a XXXX subscriber via means of a link/ad using PayPal business App. The buyer claimed the item was not as descibed. Here is the conversation and all communication between me and the buyer. Questioning " reverse discrimination '' as potential motive. I was given a {$50.00} credit/award to my PayPal account . Then with out notice or warning, my account is at - {$15.00}, account restricted, no incoming or outgoing transactions allowed. Their customer service team responded to my request for an appeal about their decision to award the buyer a dispute, that was escalated to a " claim, '' to a full refund and and rule in his favor of me selling an item that was not as described. At the time of the sale which was shown, the money collected was instantly made available. 4 days or more later, PayPal took {$50.00} from my account after my mom had sent me {$100.00} for gas and food. I found out by calling in that the {$50.00} was taken from my account because of claim against me for selling an item not as described. Paypal informed me later that the item sold was being returned to me and they were issuing the buyer a full refund. Then, because the buyer already returned the item and got his money back that PayPal wouldn't allow me to issue an appeal.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

PHH Mortgage Services at XXXX XXXX XXXX, Mt XXXX XXXX XXXX, charged me {$2000.00} on the back end of my mortgage from an forbearance that I had taken. My balance was {$15000.00} left on the back end, I try to do a payment plan but they told me I had to refinance through another bank. From XXXX I was charge per day interest at 2 % ON {$15000.00}. I wrote the mortgage company and asked for a broke down of the charges and received a letter stating that I needed to pay the interest and to have it wired through a bank. 

I need to know what calculation was use for the balance on {$15000.00} that I had to pay {$2000.00} at 2 % my math is totally different from what they charged.
Consumer complaint received 2021-07-21
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: EQUIFAX, INC. (GA)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in XXXX. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I also contacted XXXX  XXXX XXXX and then talked to their staff, and they agreed to remove the accounts from my file. I have already disputed these accounts several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these accounts. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

There are four charges on my Checking account for a store that I have never been to, in a city I've never visited. These charges were made on XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX, XXXX, and XXXX for XXXX $ for a total of XXXX XXXX The store is XXXX XXXX and XXXX XXXX in XXXX, California, which again I have never visited. 

I submitted a claim with Wells Fargo and received a letter saying that they found the transaction was made by me or someone who had my permission. I called them and they said the same thing. I know for a fact that I didn't make these transactions and that someone was able to steal my information, so the fact that Wells Fargo refuses to do anything is upsetting to say the least.
Consumer complaint received 2024-02-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (GA)

I received an email alert that Credence Resource has flagged my credit report account as collection causing it to fall XXXX XXXX. 
I went back through my emails and found that Credence said that I had until XX/XX/2024 to dispute this debt. 
Credence had start to report the collections by XX/XX/2024. Violation!!! 


Collection Agency has not provided validation Information u

nder 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) (
4 ) ( i ) Collection agency is violating my rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am letting Credence know that I am disputing owing any and all debts to them.

Revoking all rights of them communicating with me through email/text/calls.
I am requesting Credence Collections debt validation, purchase agreement between them and the original creditor, and furnish proof that they are licensed and bonded.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I have a charge card with American Express that I opened in the summer of XXXX. A few months after getting the card I activated the Pay Over Time benefit which would allow me to make purchases with interest at a limit of {$1500.00}. Shortly after, I realized it made no sense to do so because I was already paying off my balance each month, so there would be no reason to accrue the extra interest so it was turned off. Several months later, as I was continuing to make my normal monthly payments I noticed that my monthly balance was coming in higher than what I was spending and realized Pay Over Time had been activated without me doing so. I assumed that this was a common complaint because shortly after I reported the issue I received a notice in the mail from American Express stating there had been an error in some accounts where this was activated without customers knowledge. 

Fast forward to XXXX and I notice once again this feature has been activated on my account without me initiating it. Well because of this, I had been paying hundreds of additional dollars per month because American Express took it upon themselves to activate the feature without telling me. I reached out several times and honestly felt offended by the idiotic answers the representatives gave " oh you don't accrue interest because you pay your balance off each month '' - that's incorrect. Remember, you now have a Pay Over Time limit of {$1500.00} that is constantly accruing interest which is now separate from your balance of charges that don't fall under pay over time and you are only paying a portion of the amount that is collecting interest.

Additionally, when I realize the issue and address this with the first representative to let them know Pay Over Time has been activated before without my knowledge, " I'm sorry to hear about this '' and not take responsibility because that is always what you are taught to do in this situation. Second representative " we are unable to see your Pay Over Time transactions that far back. '' Why is it different now? What I am now being told is they are unable to see when this has happened before and that any interest will only be charged if the account is not paid in full - but why hide the Pay Over Time balance and your regular monthly balance if this is not an attempt to deceive and charge additional interest?
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Experian : During dispute phases, this company refuses to remove the account and conduct accurate verification. The accounts are removed for XXXX hours at a time and placed back on the report thus lowering the score by more than XXXX points within a few days. It has furnished inaccurate accounts without the debt collectors first contacting myself in regards to the account. I still do not know what the accounts are in regards to and have never been contacted in anyway before the information was furnished. This has resulted in multiple credit applications and mortgages being denied thus furthering the defamation of my financial character.
Consumer complaint received 2022-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (VA)

I contact Nationwide Recovery System for an account transferred from XXXX XXXX XXXX XXXX for a date of service of XX/XX/2018 for XXXX XXXX XXXX XXXX XXXX XXXX provider. The debt collector by the name of XXXX in XXXX stated they do not have proof debt but I can request it from XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and was advised that they do not have a debt for me with this date of services or the account number XXXX  XXXX. I contacted the debt collection agency Nationwide Recovery System and advised XXXX of the same information in which he became irate and belligerent. I was transferred to his supervisor who would not identify himself and was offended ( his words ) that I requested to speak with someone in a U.S. location. He disconnected the line.
Consumer complaint received 2022-03-24
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. (MD)

I see on my credit report these accounts are unverifiable invalidated in accurate and very much so questionable if everything is not reporting 100 % accurate it must be removed which it is stated in the FCRA 15 US Code 1681i last time I read it the law is the same. There are inquires on my credit report that do not belong on there, according to 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) In Section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I did not authorize or give CONSENT to anyone employed by the this company to make any inquiry and view my credit report. Further more I did not GIVE any kind of instructions to report this ALLEGED inquiry on my credit file. 15 U.S.C. 1681b ( a ) ( 2 ) PERMISSBLE PURPOSE OF CONSUMER REPORTS I did not give any written permission for these companies to place inquiries on my credit report this is not right ... FDCPA Section 807 Violation Misleading False deceptive, or misleading representation or means in connection with the collection of any debt. The account must be removed!