davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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)

XXXX, XXXX and Experian have been trafficking my information by assembling my consumer report. This information is a violation of my confidentiality as a private natural person. These 3 agencies have a responsibility to keep my information private. My request to have XXXX to remove over 25 hard inquiries, XXXX  to remove over 13 hard inquiries and experian to remove over 33 hard inquiries. I've made several attempts with all 3 companies. I will follow through if this is not taken care of immediately with adverse action 15 usc 1681 18 usc 1028 with penalties for each violation.
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2022-08-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my credit reports, incorrect accounts are still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX 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 states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are needs to be corrected on my Credit Reports immediately : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

We have two complaints about Huntington Mortgage.

1. ) At the time of application, we made it clear that we did not want to/have to pay PMI. We had plenty of funds available to assure a down payment of 20 % or greater. The loan funded JUST BELOW this threshold and weve now wasted over {$1200.00} this year on a product we SPECIFICALLY sought to avoid. 

2. ) We are currently trying to refinance into a 15 year from a 30 year mortgage with a different lender. Huntington says they are unable to provide a letter or any document stating that our mortgage is not in deferral. In essence, our lender is holding us hostage in a bad loan.
Consumer complaint received 2022-08-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

These XXXX  have hung up on me several times, got into verbal disputes from provoking me and they canceled 2 of my debit cards from 2 checking accounts unauthorized and without my consent. I did not request this at all. I have called them several times on XX/XX/20 and XX/XX/20 to rectify this and once again I have been bounced around, talked down to, disrespected etc. They are refusing to unlock two debit cards from my 2 personal Checking Accounts and so I got XXXX off and requested to cancel personal checking acct ending in XXXX. Also there is a business savings acct that I requested to be canceled a week ago which still hasn't been done. This one is a Business market Rate Savings. I am going to keep personal checkings acct ending in XXXX open as well as business accts ending in XXXX and XXXX. They are refusing to close personal checkings ending in XXXX which I don't understand. I transferred XXXX dollars and change so now theres a XXXX balance in XXXX. They people have also implemented a new rule, without consulting with customers that instead of debit transactions, you now have to maintain a {$500.00} balance in each account open or have {$500.00} in direct deposit to avoid monthly fee which is a direct violation on banking law rights as well as civil and legal, in addition unethical. Wells Fargo has a poor history with XXXX Americans and continue to disrespect and violate their rights. I now have no debit card for acct ending in XXXX and they refuse to issue me another which is illegal. I called several times between XX/XX/20 and XX/XX/20 and still no resolve and spoke to several higher ups and managers. The best that was done is setting me up with an in person visit to bank on Friday XX/XX/20 at XXXX XXXX  with no promise that a new debit card ( s ) will be issued to me! 


Issue Me another debit card to replace the one they illegally cancelled on XX/XX/20 with my consent or authorization, cancel the two accounts I requested, leaving on the 2 Business accts and personal checking 's ending in XXXX Open. also, I would like to join a class action lawsuit against them for their horrible and unethical practices. I will sue for as much money as the law allows. I also got a call from a Wells Fargo rep twice which sounded like a scam call on XX/XX/20 saying that my cards would be cancelled and I said ma'am, I  don't know who you are, but do not cancel any of my cards which she went ahead and did anyway speaking of Misuse and I'm like, Misuse of what and she wouldn't answer any of my questions and I had to keep repeating myself.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-08-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (UT)

My credit cards and wallet was stolen and used in Nevada I reported the cards stolen and filed fraud with my credit card company I was found not responsible for the charges and the charges were removed from my credit cards. This company allied collections has purchased the charge back and are trying to collect on a fraud charge. They placed it as a debt on my credit
Consumer complaint received 2019-01-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I wrote a letter to Experian and XXXX on XX/XX/XXXX about 11 negative accounts all with account # XXXX .... from XXXX XXXX for various amounts and 1 negative account from XXXX XXXX account # XXXX. I asked for verification and/or validation of the original instrument of indebtedness by way of contract or signed agreement. Experian responded that they verified the debt with the company and I needed to contact XXXX XXXX for any paper work. I did just that. On XX/XX/XXXX I wrote a letter to XXXX XXXX and XXXX XXXX directly asking for the same information. As of this date XX/XX/XXXX I have not received any response of validation and/or verification. I sent another letter to both Experian and XXXX on XX/XX/XXXX letting them both know that I had not received any response of validation or verification in the time frame specified by law under the FDCPA and the FCRA of 30 days, and that the debts should be removed from my credit report. As of this date I have not received a updated credit report and credit score.
Consumer complaint received 2022-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I do not recognize the inquiry for XXXX XXXX XX/XX/XXXX or XXXX XXXX  XX/XX/XXXX. 

I went to a car dealership and did not authorize multiple lenders to pull from my report. 
UNAUTHORIZED * XXXX XXXX XXXXXX/XX/XXXX * XXXX XXXX XXXX
Consumer complaint received 2020-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

After reviewing my current XXXX credit report I've notice that Portfolio recovery and associates still remains on my credit report. As a result, ive written a full dispute statement to the three major credit reporting agencies. 

Portfolio recovery and associates is in violation of federal law. Section 809b Violations are as follows ; unable to fully validate debt the company claims I owe. 

Violation, unable to provide license to collect a debt in my state of florida Violation, unable to provide details on what the debt they claim I owe is for, no copies of original documents has been provided only billing statements of which under the law billing statement are not valid proof of debt owed. 

Violation unable to calculate total balance owed as required by federal law Violation unable to provide bond number of which maybe required to collect a debt in my residency state of Florida. 

Violation trying to collect the debt that is over statue of limitation in my resident state of Florida
Consumer complaint received 2023-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Goal Structured Solutions, LLC (IN)

I am having trouble with XXXX XXXX XXXX servicer. It recently transferred from XXXX to Launch Servicing. In early XXXX I sent in my XXXX tax information for reconciliation for them to update my payment. They then claimed I owe over {$5000.00} in reconciliation and it was due immediately. The amount for that reconciliation does not make sense what so ever. I was in deferment through XX/XX/XXXX according to XXXX. I have email proof of XXXX telling me that. In the XXXX it states that deferment period will just be added on to the end of the time. There was under {$100.00} difference a month from what I was paying to what the reconciled income is. And that should have been from XXXX through XX/XX/XXXX. 

My first phone call with them was the last week of XXXX. The person was not able to help me other than saying a supervisor would review it. I then messaged them on XX/XX/XXXX. I shared with them my concerns about the reconciliation and also how when I used the numbers they provided to calculate my payment it appeared they were overcharging me. They never responded to that message. 

I then called again on XXXX and was told that my account was being reviewed and that a supervisor would be calling me in a few days. I never received that call, and I was never sent a message. I then messaged them on XX/XX/XXXX asking about what was going on. I did not receive a response until the XX/XX/XXXX and all it said was that updated proof of income would be required no matter the outcome. They have my updated income from my tax documents. As of today, XX/XX/XXXX, I still have not heard from a supervisor. I continue to receive delinquent payment letters. I had two " spam '' calls over the past two weeks, that after I looked up the number, I realized it was Launch. I assume it was just automated telling me about the delinquency because no messages were left. 

Overall this XXXX XXXX program was misleading and promoted totally differently that what it actually was. I understand the obligation to the payments I must make, but I need to have this reconciliation thing figured out. Launch Servicing appears to me in no rush to assist me and is more than willing to just sent me delinquency letters and tank my credit score.
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (CA)

They tried to get me to verify my birthdate, my billing address and my SSN without explaining why they are calling us. 

They only give me the name of the company. I declined to verify the private information they have asked for me. 

And I have not receive any letters from them at all.
Consumer complaint received 2019-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

credit company ( XXXX  ) will not remove this and the opening date is incorrect name : XXXX XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX balance amount : XXXX status : closed Credit company ( XXXX ) will not remove this old account, this account is closed but they have it listed as opened. 
name : XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX pass due amount : XXXX balance amaount : XXXX 1.Credit company ( transunion ) will not remove this old account delinquencies name : XXXX XXXX date opened:XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed 2.Credit company ( transunion ) will not remove this old account delinquencies name XXXX XXXX XXXX date opened : XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed
Consumer complaint received 2022-08-27
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)

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 my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (NY)

I do not recognize the inquiry for XXXX XXXX XX/XX/XXXX or XXXXXXXX XXXX  XX/XX/XXXX. 

I went to a car dealership and did not authorize multiple lenders to pull from my report. 
UNAUTHORIZED * XXXX XXXX XXXXXX/XX/XXXX * XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (NC)

BULL CITY FINANCIAL SOLUTIONS , INC. is reporting false and inaccurate information on my consumer report. I sent BULL CITY FINANCIAL SOLUTIONS, INC. a debt validation according to 15 USC 1692 ( g ) ( b ) to verify the debt obligation. Also, included in the letter was a cease and desist all reporting. I gave them ample amount and of time to respond to validate the debt. BULL CITY FINANCIAL SOLUTIONS , INC. has acquiesced thru their silence and has failed to answer any of my questions. The account # XXXX is still showing on my consumer report. I sent them a NOTICE OF DEFAULT AND OPPURTUNITY TO CURE along with a invoice with FDCPA and Privacy Act violations and the never responded. This inaccurate information on my consumer report has caused me and my family severe harm due to negligence and inaccurate reporting. I, XXXX XXXX did not authorize, BULL CITY FINANCIAL SOLUTIONS , INC . I, XXXX XXXX do not have any debt an obligation to BULL CITY FINANCIAL SOLUTIONS , INC .
Consumer complaint received 2022-08-27
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 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 my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-27
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PacWest Credit, LTD (OR)

I got a auto loan threw Pacwest Credit over 1 year ago they have never once reported it to any bureau since day one I have been trying to get it figured out with them and still have not gotten answers the only reason I got a loan was to boost my credit to hopefully buy a house
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to dispute the following information that XXXX XXXX XXXX svc supplied to Experian, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX XXXX XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history XXXX XXXX XXXX, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( XXXX ) ( F ). ) This has been an ongoing issue. I have also reached out to XXXX XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history.

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2022-08-27
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. (NJ)

Transunion, XXXX and XXXX have been trafficking my information by assembling my consumer report. This information is a violation of my confidentiality as a private natural person. These 3 agencies have a responsibility to keep my information private. My request to have transunion to remove over 25 hard inquiries, XXXX to remove over 13 hard inquiries and XXXX  to remove over 33 hard inquiries. I've made several attempts with all 3 companies. I will follow through if this is not taken care of immediately with adverse action 15 usc 1681 18 usc 1028 with penalties for each violation.