davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 U.S. Code 1681a - Definitions ; rules of construction.- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 2021-05-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I have a mortgage with Freedom Mortgage. XXXX XXXX XXXX. XXXX XXXX Fl. XXXX and when interest rates started to go down I started looking for a Refi I guess freedo found out about it and offer me half a point. from 3,25 to 2.75. 
at the same time, I had savings account with XXXX that was paying me 2. % but they dropped down to XXXX so I took my savings out and paid them to XXXX and on the XXXX of XXXX checked my balance and I owed XXXX so using some of my wives saving We manage to get that amount together and it was sent to Freedom. 
Two days later I checked my balance and I had XXXX still in debt I called them and someone gave me the runaround putting me on hold several times and said he will call me. 
Well, I sent them messages and they sent me a payoff showing XXXX but get this it shows My Taxes and hazard insurance paid off and XXXX in Escrow???? well I sent them another message and told them to take the XXXX out of the escrow and send me the rest asap. 
Well, I have not heard anything. 
Can you help me?
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have contacted XXXX and TransUnion about the unavailability of obtaining the reports. The customer service was no help, the chat function was no help.
Consumer complaint received 2015-06-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

I was a victim of Identity theft XXXX years ago. I resolved the issue obtaining a police report and submitting it to the company and credit bureau and it was removed from my credit reports. Three years ago I discovered the debt was sold to a third party creditor who in turn confiscated my tax return. I was on XXXX at the time and did n't have the means to dispute with a lawyer ( I did try to fight it previously, but the judge told me to get a lawyer ). When the judgement expired, that Midland Credit Management had obtained XXXX years earlier, they purposefully sent the paperwork for a new judgement to the wrong address so that I could not show up for court, and was able to renewed the judgement. Keep in mind none of this has been on my credit report and I have never been notified!
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

My family of XXXX and I had a land contract scam and must purchase a home by fXXXX XXXX. I am currently XXXX points from pre approval which is what we need to start shopping. I found out that even though I was paying Credit Acceptance on time weekly auto pay, there was a week that did not go through and rolled over. Due to that my car payment is showing XXXX late payments. XXXX Once we corrected and figured this out, we made sure to pay XXXX and XXXX to have this update ASAP ON ALL THREE BEUROS. I always paid toward my secure credit card debit which is the only item I owe for. XXXX now is showing XXXX and my usage at 50 % and XXXX at XXXX and 3 % usage! I paid XXXX twice to update my scores early to get the XXXX point needed to get that pre approval and for the loan officer to see my scores at XXXX. After paying twice and seeing the changes on XXXX XXXX points and XXXX, XXXX has XXXX not shown these updates! I feel as if XXXX lied as I was told they only have control over their scores, but promoted all THREE updating early rather than in 15 days!? Also after contacting and unlocking my online account on XXXX, I was told only a dispute will get them to update and report correctly? I am unable to dispute due to the fact that we are trying to purchase mortgage and my loan office said not to dispute anything! Please help me get this score to show correctly. I am playing down my secured credit card below 50 % now and everything else has be and show paid off or has been current! The medical bill is currently supposed to be taken up as I had insurance. I need XXXX or XXXX to be at at least a XXXX for us to both be pre approved and due to being uneducated, we were scammed when we attempted to buy this land contract and home and we are in a time crunch! Thank you! XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (LA)

Today, XXXX, I receive a credit card in my name, with " netspend All Access '' listed on the front, with a master card logo on the bottom right hand side, issued by XXXX. 
I did not apply for this card, nor did I open an account with XXXX  ( or netspend ). 
The card number begins with XXXX. 
The card was mailed via USPS, and has all the typical documents and information found in a legitimate correspondence from a financial institution. 
I did some research online, and it appears that many people have complained to the XXXX  about the problem. XXXX 's customer service wants personal information in order to investigate. This situation is creating red flags.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have called my company numerous times within the past YEAR to resolve a fraudulent charge made with my card, I even sent certified letter to their address and have confirmation of deliver without any response back. There was a charge of {$360.00} made FRAUDULENTLY on my account and capital one refuses to have competent workers who can help me. I have spoken to too many people to list all their names but my most recent contact was on XX/XX/XXXX at XXXX XXXX on the phone for 95 minutes according to my phone records where I was told a fraud case was opened AGAIN and I just spoke with the manager of the fraud department XXXX who told me the claim was never opened and was no help at all. Cant ever get in touch with someone who has answers or provides me with accurate information. My card is now in collections and has late payment charges along with interest for a fraud charge since I closed my account when they neglected to fix the problem last year. They also failed to notify me of any outcomes until I call and then they post the letters on my account which is against the law to not notify me in writing. If I never called they would have never told me. Capital one does not care about their customers and should not be in business.
Consumer complaint received 2024-02-12
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. (TX)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

was contacted by collection agency saying I had an outstanding balance in an account that was opened in 2013 at citizens bank that I don't remember opening and I'm not sure how to proceed my indenty was stolen and someone filed taxes in my name and now I receive a pin number to file taxes with and i believe it was around this time that it happened
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-07-16
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. (CA)

experian XXXX/ XXXX XXXX your experian fraudulent reporting : in your response case XXXX you experian state data furnisher verified that the information was accurate XX/XX/2019, you state on XX/XX/2019 that you sent supporting information to me. I request that you experian send to me a tracking number that it was sent because I never got the report, NOW you experian state that data furnisher verified WHO is the DATa furnisher you are implying sent the information it was verified, BECAUSE I sent in this dispute 2 facts one from data furnisher who is not legal owner of account and legaly can not report account, and fact 2 debt collector who states remove account at once two time now from my credit report. I demand who verified this account that is clearly to be removed as per debt collector requested.if you refuse to answer this question to my self and the CFPB in there response remove this fraudulent reporting at once, also your tracking of your responed letter you experian claim to of sent methat i never got. CFPB the question is who verified this account experian claims as data furnisher when i enclosed the facts to remove account
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relatesDid I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2018-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Paypal has limited my account based on activity that they claim is " inconsistent with their user agreement ''. In doing so, they removed a total of {$37000.00} and are holding it for 180 days. Below is a timeline : XX/XX/XXXX - Paypal sends an email notifying me that I can not use Paypal anymore. I am not given the option to appeal or provide further information to dispute my case. 

XX/XX/XXXX - Paypal removes {$9000.00} from my XXXX  XXXX XXXX account without my approval, cause me to momentarily overdraft XX/XX/XXXX - Paypal removes {$27000.00} from my XXXX XXXX XXXX account without my approval XX/XX/XXXX - I call Paypal customer service to resolve the issue, am transerred to XXXX, employee ID # XXXX and am told that there is nothing I can do to appeal and that there is no way to escalate my case beyond sending a letter to the legal department. Also told there will be no reasoning provided and no evidence supporting the supposed unauthorized use of my account. Told that Paypal is allowed to " hold any amount of money for the " amount of time that Paypal deems necessary '', which in this case is 180 days. 

I feel that Paypal has helped themselved to a free 6-month loan. My business plans are completely ruined thanks to Paypal and I'm now responsible for any interest on those funds over the six month time period. 

My account with Paypal is under my email address XXXX.
Consumer complaint received 2023-03-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2016-01-29
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (TX)

I recently paid in full my Amex XXXX card balance in full on XXXX/XXXX/XXXX, 3 days before it was do. Total statement amount due {$3400.00}. Then, I received a new statement saying I owed {$20.00} for interest on purchases. My account was closed by Amex XX/XX/XXXX. So, I could not make any purchases at all. Further down the statement it shows interest charge calculation on purchase from XXXX/XXXX/XXXX to no date at 10.49 % and subject balance of {$2300.00} for a total of {$20.00} in interest charges. I have come to find out after calling Amex about this, its called trailing interest fee 's. My problem here is that the statement does n't tell you each month that you have a trailing interest balance of a certain amount and they just listed on my final statement as the interest charge on purchases not trailing interest on your account because you did n't pay the balance in full each month. This is clear deception by Amex against its Cardholders.
Consumer complaint received 2021-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX, and XXXX. The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Credit Bureau Association does not have any documentation, they need to retract this from my credit file immediately
Consumer complaint received 2021-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

I was a victim of identity theft. The following year and every year since then I have had to have a pin to complete my income taxes. After working for years to build my credit back up, I get a XXXX point deduction and was told it was from a medical bill that I had no knowledge of. When I contacted the debt collector, they rudely told me to get the proof and we will go from there. I said, well what is considered " good enough '' proof? I wasn't given a direct answer and still don't know where to turn.. I do have enough money to pay it, but the fact remains that it is not my debt and money is very tight due to work slowing because of the covid-19 pandemic.
Consumer complaint received 2022-07-25
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. (AZ)

My report 's list of inquiry and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
Inaccurate Name : XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX EMPLOYER : XXXXXXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (CA)

This has to do with XXXX collection agencies. Diversified, XXXX, and XXXX. They are all telling me that I have not paid debt in full. I do have Bank proof that I have made all of my payments. On XXXX I called Diversified several times to resolve this issue, and all they could do is threaten me with my Credit Report. Every time I tried to explain they again threaten me with Credit Report. I asked for XXXX 's phone number so I could talk with them and they refused to give the number. Told me to google it. I have called XXXX and continualy and they tell me that it has been turned into collections and I have to deal with collection agency. One other thing I was told, was NOT to keep calling them. So I told them the same thing stop calling me all the time. I also asked to speak with a supervisor and was also refused this opportunity to speak with someone in charge.
Consumer complaint received 2018-05-09
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: EQUIFAX, INC. (NC)

XXXX is reporting an inaccurate collection on my credit report, I've disputed this account & they will not provide me with any updated information. I called the collection company on XX/XX/XXXX & requested that they provide me with any type of proof being a signed contract with my signature state that I've done business with them & that I owe them money, they refused to comply & told me that they provided XXXX with the " proof '' & to contact XXXX. I called XXXX on XX/XX/XXXX & spoke with a gentleman named XXXX XXXX & he placed the blame back on the collection agency. I don't even think that this collection agency is licensed to collect " debts '' in North Carolina.
Consumer complaint received 2024-02-12
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. (FL)

I Discovered multiple accounts/charges that do not belong to me. after receiving conflicting information regarding these last two remaining accounts accounts from the Credit issuer, the debt collector and information contained on my 3 credit reports. I filed a Identity theft report. over 5-6 accounts. All but the two contained in this new Identity report ( I lost the last one ) have been removed. during the time I had disputed these accounts as fraudulent, the Investigation had taken well over 30 days. Experian for example kept resetting the dates to keep it within the 30 day window. I was never provided any information as too the specific information into their investigation as to why they refused to block those two account. initially I did notice that XXXX and XXXX initially blocked those two accounts, but they re-appeared months later.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Due to repeated identity theft issues, I have a credit freeze on my credit. On XX/XX/2023 I unfroze the freeze to apply for a fuel savings card. On XX/XX/2023 I re-instated the credit freeze. Somewhere in the XXXX time period an individual impersonating me opened an account at XXXX XXXX XXXX XXXX XXXX. We have XXXX, XXXX protection, we reported the issue as NOT ME. We were leaving for a trip at the time and did not follow up on this issue. On Thursday, XX/XX/2023, I received an e-mail and phone call from XXXX XXXX about this issue. I contacted Equifax, then contacted the XXXX XXXX XXXX XXXX and obtained the account # that is attached to my name and social security number. 
XXXX XXXX has been in contact with me several times, and instructed me to file a police report on this issue. My local police department, does not accept identity theft reports, and I was directed to file with you.