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: EQUIFAX, INC. (IL)

XXXX  XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 2022-05-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation (CT)

ive tried to dispute this derogatory mark for a " fortiva " credit card from the months of XXXX-XXXX of XXXX, the acct was both opened and closed with an outstanding balance of {$700.00} without my knowledge ; im currently a victim of idenity theft. ive disputed it in XX/XX/XXXX when it became apparent to me that this was affecting my credit. again i disputed it in XX/XX/XXXX and again XX/XX/XXXX. i contacted the company by phone on XX/XX/XXXX and the gentleman was very confused about the acct and why the acct was opened and closed so quickly. for months of XXXX XXXX XX/XX/XXXX ive recieved letters and calls trying to collect debt. some rude some pushy
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

In XX/XX/XXXX, I inquired with US Bank, who holds my mortgage, about an escrow waiver. They told me I do qualify but I would be required to pay an escrow waiver fee of .25 % of my remaining balance, which is currently {$760.00}. I asked them and also researched what this fee was for and found on the US Bank website the Applicable Mortgage Fee page that is required by the FDIC. On that page, it explains that the fee is only assessed for escrow waiver if the person received discount points on their mortgage at closing. I reviewed my mortgage closing documents and I did not receive any discount at closing. I also verified this with my mortgage broker who did my closing. I requested documentation from US Bank showing where I received discount points at my closing, which would prompt this fee but they have not been able to provide this. The continue to refer me to XXXX and section 14 of my loan disclosure which discusses loan fees, however does not prove that I was given a discount. If they are able to prove I was given a discount, then I will understand why the fee is being assessed but I believe this is not the case and they are trying to wrongly charge me a fee when I do not meet the requirements to charge the fee. They have basically told me I can either pay the fee or leave my escrow in my mortgage. I went into a branch today XX/XX/XXXX and spoke with a person who talked with the mortgage department who said the same thing that Ive been told. Still, no one is able to show me where I was given a discount which would justify the fee being assessed. I even offered to open a savings account with US Bank and move the escrow money to that account so they didnt lose the money, but they still said I had to pay the fee.
Consumer complaint received 2022-05-17
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. (NM)

Checked my credit score through XXXX, a Collection Item showed on my credit score, when opening the collection item, it is for some credit card from XXXX XXXX XXXX in the amount of {$1700.00}. This account was opened on XXXX XXXX by using my SS # but it wasn't me. I've talked to Experian and have disputed the charges, I've also contacted the collection agency 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. (FL)

The consumer reporting agencies, especially Experian responded by email on XX/XX/2024, that they still investigating and waiting for the furnisher. Clearly they are not following the law I have clearly stated in the letters I sent to them, stating that late payments are not included and should not be included in the consumer reports, according to FCRA 15 use 1681a 2Ai. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include- ( i ) report containing information solely as to TRANSACTIONS or experiences between the consumer and the person making the report. 

Also 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I just sent the consumer reporting agencies and XXXX XXXX another letter that will be attached here.
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-11-20
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: EQUIFAX, INC. (TX)

I am currently unable to access my Equifax credit report. 

I have been using XXXX credit monitoring service for a few years and was notified that my Equifax data could no longer be accessed. I validated that my report was inaccessible by attempting to pull it using the free annual credit report, purchasing from Equifax, XXXX XXXX and other services. I am also unable to lock, freeze or dispute information on my report. 

There has been over 20 attempts since XX/XX/XXXX to rectify with Equifax who's agents either transfer me back into the que or simply hang up. I have attempted to purchase my report from Equifax to no avail 15 times now. 

My lenders are unable to access the report as well and it is preventing me from closing on my mortgage. My closing date has now been delayed from XX/XX/XXXX to XX/XX/XXXX while we await remedy from Equifax who is not actively trying to fix the issue. 

To date no agents I have spoke to have been able or willing to assist or open a trouble ticket with their IT departments.
Consumer complaint received 2022-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (AZ)

Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. 

Please remove the following accounts : 1. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

I have a XXXX daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX  and do not have a way around the Heat XXXX  Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona XXXXXXXX XXXX records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. 

Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

XXXX solicits consumers who sign up for their credit report services with credit card offers from their " advertising partners '' where XXXX states they have used their advertising partners approval criteria and information from my credit report to present an offer to apply for a credit card where XXXX presents a percentage chance of approval or gives a " matched to you '' rating for the offer, as the highest possible chance of approval. 

Three times I've applied for cards via applications that XXXX has presented to me with the highest rating for approval as " matched to me, '' and three times, the most recently of which being by Wells Fargo, I've been declined, with the specific reason for each declination being information contained on my XXXX credit report. 

This has resulted in 3 recent inquiries on my credit report, which has lowered my credit score, and that has resulted in a lowering of my credit rating from " very good '' to just " good. '' What XXXX and their " advertising partners '' are doing is misleading consumers into generating inquires of their credit report, which makes money for XXXX, and costs consumers by damaging their credit score, instead of opening a new account, which would improve their credit score.
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: EQUIFAX, INC. (MI)

13 inquries were filed on my credit report dates filed : XXXX & XXXX. These lenders has tremendously impacted my credit scores I have XXXX collections as well XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

XX/XX/XXXX my credit card had suspicious activity with USAA. I called USAA and reported the fraud charges. USAA never called up to take down the information and in XX/XX/XXXX I received a credit card statement showing a balance of {$6.00} being owed and they said if we didn't pay they would close the card. 
My wife called as the account is through her but it was my card. USAA said that they would fix it. This went on for months until XXXX when we got another statement saying we owed the same amount. Again my wife called and they had already closed the account that was paid in full, XXXX balance with a {$6000.00} credit limit and reported me as delinquent to the credit bureau. Again USAA said they would fix it. 
Fast forward to XX/XX/XXXX my wife spoke with USAA again as I had tried to apply for a small personal loan and was denied, the reason was USAA. 
The lady my wife spoke with helped her over a 2 hour period to ensure they would get this handled. What my wife found out was USAA never reported the original charges in XX/XX/XXXX as fraud. As it's been too long now they can't report them the usual way so they had to go through a special department within USAA to get it handled. My wife called again today, XX/XX/XXXX, and USAA pretty much said we can't help you. 
I would like them to fix the credit card and reinstate at the original {$6000.00} with the interest we had originally. Take off the delinquent charge and report as fraud like it should have been done originally. Then they need correct the credit issue so my credit is fixed! 

Everything was via phone call and all the notes are in our account under my wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX .
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NV)

My credit report was pulled today and there is a collection from Midland Credit Management regarding a " Pay Pal Acct '' with XXXX XXXX. They also referenced an address that did not belong to e as part of the verification process when I called MIdland to discuss this incorrect reporting. They said that it would take 90 days to resolve but I am in escrow at this time and this is hurting my transaction and risking my escrow deposit. 

I am attaching my previous credit report which also reflects all my previous addresses to show that this account truly does not belong to me. 

I can provide the most recent one from today showing the new collection. Please let me know if you need anything regarding this matter
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I was XXXX  discriminated against because I'm XXXX-XXXX. They made multiple excuses as to why they couldn't cash my check and each one did it make sense first they said they couldn't cash it because of the amount so I clarified that I've cashed checks with them before and they explained to me that the smaller branches like that one have a Max of XXXX if anything above XXXX for XXXX customers you have to go to a larger Branch. The next excuse was that my daughter 's name was outlined on the check, the check was issued to me as her guardian on her behalf for the settlement agreement and documentation that I provided at the date of service. When I asked for the names of the manager and banker I was given attitude and told they couldn't cash it. She also went to get security as if they were in danger of me with XXXX children. This kind of thing can not continue.
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I have contacted XXXX System/XXXX  XXXX several times to inform them this debt does not belong to me to which they state they will update their information and stop sending me letters but they repeatedly do so in an attempt to illegally collect another individuals debt and in direct violation of the fair debt collection and credit act. 

I would like to pursue further action to stop their illegitimate harassment and collection efforts by any means available to me. First step is to publish this formal complaint. I have copies of all letters sent with dates and times of phone calls made.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (FL)

I initially called on XXXX when my card was declined making a purchase. I checked my card to find I had a XXXX balance. There was previously over {$1100.00} on the card. I spoke to representative on XXXX and initiated the dispute. She told me to fax the statement back she was sending me with disputes highlighted by the XXXX. I sent it back by the XX/XX/XXXX. I then followed up on the XXXX to make sure they received my fax. They did and said I'd receive a provisional credit by the XXXX of XXXX while they investigated the claim. I called today to find out they denied my dispute of {$690.00} with no explanation except " Conflicting information ". They said they'd send me a letter. No provisional credit, no investigation, nothing. I was blown off by the representative on today 's date of XX/XX/XXXX with no chance to appeal over the phone. I was never sent a dispute form either. I was told to just " Write the dispute amounts on the statement she was sending me. "
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX, Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXXXXXX, Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX, XXXX, Account Number XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. 

Please remove the following accounts : 1.The following account is not mine TRANSWORLD SYSTEMS  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the XXXX XXXX  Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. 

Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (OR)

On XX/XX/2021 Simple bank accounts were migrated to use BBVAs system. During the transition, computer systems failed and locked customers out of their account. An error message stated to call a toll free number, which when called disconnected after a short while on hold. There is nobody to speak with and I cant access my bank account. It is unlikely I will be able to speak with a customer representative in the next few days as thousands, maybe tens of thousands of customers go through the same process to have their account unlocked. This is a very poorly managed transition without recourse.
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

After repeatedly receiving harassing phone calls from Agent Heard at Professional Debt Mediation Inc, and reviewing my consumer report I became aware that an account with my personal information was placed in their office. ( Alleged Account # XXXX ) On XX/XX/XXXX, Professional Debt Mediation Inc , received a notarized XXXX, Debt Disclosure Statement ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and a notarized Offer To Perform ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX Certified Mail. ( See attached documents ) Per the XXXX, PDM had 21 days to respond with a completed notarized XXXX XXXX XXXX. As of XX/XX/XXXX, approximately 29 days from delivery, I have not received a reply from PDM. This was the remedy provided to PDM and they have failed to perform. I will be sending out a Notice of XXXX to PDM executives within the next 48 hours. All XXXX XXXX XXXX XXXX XXXX were notified of the errors on my report however they too have failed to meet their obligation in providing a Method of Verification or removal of the account. ( See attached for Proof of Delivery w/Certified Mail # ) XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX I am aware that as a consumer I am permitted to privacy and a fully complete and accurate consumer report. I am also aware of the monetary remedies available to me provided by the United States in the event a debt collector or credit or consumer reporting agency violates certain rights, laws, andor statues.
Consumer complaint received 2022-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (AZ)

Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. 

Please remove the following accounts : 1. The following account is not mine DISCOVER BANK Account Number : XXXX REMOVE the inaccurate information from my credit report. 

I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX  and do not have a way around the Heat XXXX  Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. 

XXXX XXXX XXXX XXXX