davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (NY)

In XXXX we had to have two cars repossessed voluntarily due to job loss regarding a federal court case of foreclosure. My husband 's wages were garnished for the loan balance, which is being misreported on all bureaus. In XX/XX/XXXX, he was released from any obligations because the balance was brought to XXXX. We have been back and forth with XXXX XXXX and the credit bureaus to be taken off the report or updated as paid in full. I have been sent the letter from XXXX XXXX and the attorney 's office that filed the wage garnishment. Ally says to work with the credit bureaus as they know it should not be reported. The FCRA has changed its laws regarding reporting debt on credit reports of three years. We are being hindered from moving forward in life.
Consumer complaint received 2022-03-15
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. (VA)

I consumer XXXX XXXX, received a consumer report from Experian and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent account is inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy.
Consumer complaint received 2022-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I am deeply devastated about a collection account that is reporting incorrectly on my credit report. These accounts are invalidated, unverifiable, inaccurate, & FCRA violations. These inaccurate items on my report are affecting me badly. I have been living in the same apartment address XXXX XXXX XXXX for more than 5 years. this. XXXX XXXX ACCOUNT IS inaccurate. I am in complete shock and saddened and need this to please be removed immediately due to how much it has affected me to sign up for a new credit card and purchase a new vehicle. my credit was in absolute good standing until this account XXXX XXXX appeared on my credit report. I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THIS XXXX XXXX COLLECTION ACCOUNT IS FRAUDULENT AND HAS NO PERMISSIBLE PURPOSE.
Consumer complaint received 2022-03-15
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

i did not authorize nor consent to the following inquiries being furnished on my consumer reports. The following Inquiries to be removed, XXXXCAPITAL ONE AUTO FINXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCAPITAL ONE AUTO FINXXXX 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 2022-03-15
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. (CA)

In accordance with the Fair Credit Reporting act AXXXX Account number : XXXX, XXXX XXXX XXXX Account number : 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 2024-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/year> I was trying to refund money from merchants who did not provide the service or effective service and then PayPal Discrimately limited my account and failing to give me my funds immediately to pay my bills
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion tenant screening refuses to remove Case # XXXX ( civil dismissal ) from my record. This case number does not exist at all in Maryland 's court system. I have disputed this item with them several times. I was never evicted from this or any other property. It is illegal for them to have a non existent record on my screening report. Can you please assist me in having this item removed.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

Several accounts are reported as closed on my credit report from Navy Federal Credit Union. These accounts contain either incomplete and/or inaccurate information. I have already taken the following courses of action to resolve this concerns with my credit report : 1. Filed a least one dispute for all listed items on my credit report from Navy Federal Credit Union with all 3 credit bureaus for inaccuracies. This yielded no result. All three credit bureaus reported that their information was investigated and deemed correct.

2. Called the institution for all account details to verify. Was informed that all accounts had been sold off to collections, and such information is no longer available.

3. After being given the contact information for the third party collections agency that purchased my debt, A phone call to a representative tells me that all internal information about the account before it was closed was not given to the collections agency, and I could have to contact the original creditor.

4. I contacted Navy Federal Credit Union via phone again, and was told the same thing. Apparently all account information the institution once had has been purged.

5. I composed a letter requesting all previous accounts ' information be disclosed in the form of a return correspondence via certified mail within 30 days of receipt of the letter. This letter was sent certified mail via USPS on XX/XX/XXXX, and received by the institution on XX/XX/XXXX. To date, as of XX/XX/XXXX, Navy Federal Union has not complied with the requests for disclosure I made in my letter.
Consumer complaint received 2022-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

My loan was transferred to Carrington Mortgage ( previously with XXXX ) on XX/XX/XXXX. I was unable to access their online payment system and app initially ( I was told it needed time to be set up since the account was coded for bankruptcy, and that I was covered under RESPA for 60 days ). Not waiting any longer, I ended up calling them in early XXXX and made the XXXX and XXXX payments through a phone agent. I paid {$2000.00} for both XXXX and XXXX, even though the payment dropped to {$1900.00} in XXXX ( Carrington said their system wasnt reflecting the change yet ). They ended up putting the {$41.00} I overpaid in another recoverable bucket. They are pursuing me for fees through the Bankrutpcy that were already paid through the Trustee. Their most recent statement doesnt even reflect what they are attempting to recover, its just lumped into the payments. I paid {$1900.00} on XX/XX/29 to be joined with the {$41.00} overage I paid previously to satisfy XXXX payment. 

I should only be due for XXXX and only owe {$1900.00}. I also applied for an escrow shortage spread but have been given conflicting information on that as well. I attempted to contact their office of the president, but they do not have one. They just keep sending me back to the bankruptcy department.
Consumer complaint received 2022-03-15
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Towards the end of XXXX, I was exploring getting a home equity loan. My broker told me that upon checking there was a 90+ day late payment for a USAA Credit card. I have never used a USAA credit card. I called USAA to find out and after being on the phone for two hours learned the following. The account was opened in XXXX. We figured out that it was simultaneous with my ex and I getting USAA insurance through her father. I have not had that insurance in years. 
I have never used the USAA card. There is one charge on it since we XXXX for $ XXXXand that was in XXXX of XXXX when I did not possess a physical card. I was informed that the card was mailed to XXXX XXXX XXXX XXXX XXXX XXXX Ca. in XX/XX/XXXX. I haven't lived at that address since XX/XX/XXXX. The purchase in question was made on XX/XX/XXXX to a vendor I would never do business with. 

I have since called twice for two more hours worth of transferred calls and no answers. I cancelled the card on XX/XX/XXXX. On Saturday XX/XX/XXXX my ex wife received a NEW USAA card ( same number as the one I reported as fraud ) with my name on it at her address where I have NEVER lived. I called the company and they had no explanation
Consumer complaint received 2022-05-05
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX Bank Account # XXXX, has violated my rights. 

XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank has lowered my credit limit for some untrue information they claim they received about my credit history. 
I am attaching a document from the Mortgage company that Synchrony bank claimed I have a Delinquent and Derogatory account with.
Consumer complaint received 2017-09-08
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. (WA)

On XXXX XXXX, 2017, I became aware of the possibility that my personal financial information had been stolen due to a large and successful hacking attempt against Equifax. In using their online tool, I was able to verify that I am among those affected. 

Equifax 's poor security was part of the problem, and it is necessary for CFPB and other involved agencies to act to ensure that consumers are protected, and that this does not occur in the future.
Consumer complaint received 2023-09-19
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. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

see attachmentI am continually being called on the telephone by your firm over this alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt within 30 days after the date of this letter. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you stop contacting us on the telephone and restrict your contact with us to writing, and only when you can provide adequate validation of this alleged debt
Consumer complaint received 2022-05-05
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy. 

15 US 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 2022-05-05
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. (FL)

According to the Fair Credit Reporting Act 15 USC 1681. The List of accounts below has been violated and I demand, they are deleted immediately. 

Under 15 U.S.C. 1681 Section 602 ( A ) states my rights to privacy, which your company is in violation of. 
Under 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) Also states 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 relates. I have not and do not give you consent to post the following items on my consumer report. 

Accounts XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX bankruptcy appears on record with credit reports, old debts included in bankruptcy still not removed, statue of limitations for past resolved debts are part of report which was part of refinance in XXXX for vehicle. Derogatory report that violates my hiring process.
Consumer complaint received 2022-05-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-05
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)

Receive email notification on XX/XX/22 for a recent address change after speaking to representative XX/XX/22 at approximately XXXX EST regarding my social security number being updated. Experian updated my personal information without my consent. Spoke with representative and explicitly stated I did not want my address on file to be changed
Consumer complaint received 2022-03-15
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. (TN)

i did not consent to or benefit from the following information XXXX, Equifax, and XXXX listed on my consumer credit report, block and remove the following Account : DEPTEDXXXX Account # XXXX, Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed excluded from from a consumer credit report, if a social security card was used in the transaction. Additionally under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section you're not supposed to include factual information and they're supposed to interview my neighbors, friends, or associates. If the accounts not removed you're civilly liable for reporting the information and it's also inaccurate.
Consumer complaint received 2022-03-15
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 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 DEPT OF EDUCATIONXXXX
Consumer complaint received 2022-03-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Please see the attachments for proof of receipt and notice sent. 

I called EXPERIANs customer service department at XXXX on XX/XX/2022 in regards to my notice of dispute. I spoke with a representative whom identified herself as XXXX and was working on behalf of EXPERIAN at XXXX. As a courtesy I advised XXXX that I was recording the call for my own quality and assurance and because EXPERIAN was recording that I had the right to record the call. XXXX rebutted that it was EXPERIANs policy that they could record but we could not continue with the call. XXXX stated she didnt give consent to the recording, and I rebutted that I am in a one person consent state and that I consented to recording. She denied me the ability to gain clarity on my dispute because I was recording ; however, she did transfer me to a supervisor whom identified herself as XXXX and was working on behalf of EXPERIAN at XXXX. XXXX gave the same response after I explained that I was giving her the same courtesy as the previous representative that I was recording for my own quality and assurance. XXXX advised that we could not continue the call if I was recording and stated that EXPERIAN was recording the call for their quality and assurance. I questioned what federal law states that I cant record and she just repeated the same response that it was EXPERIAN policy. I asked what was the difference in EXPERIAN recording and me recording. XXXX was unable to give me a valid reason and only resorted to it was company policy. The call was disconnected at XXXX. 

I called EXPERIAN back at XXXX on XX/XX/2022. I went through the prompts and waited until XXXX upon which I was connected to a representative whom identified herself as XXXX XXXX I advised XXXX that I had confirmation that my notice of dispute was received on XX/XX/2022. XXXX advised that the dispute was initiated on XX/XX/2022. I asked XXXX why were the accounts in dispute still being furnished on my consumer report and file. She said that EXPERIAN does not have the ability to delete the items only the furnisher. I rebutted her that I gave notice and stated 15 USC 1681i says that you must delete the accounts prior until the completion of the 30 days for reinvestigation. XXXX repeated her response. I rebutted with you are failing to comply with the requirement of 15 USC 1681i under which EXPERIAN was civilly liable for willfully and knowingly not complying as I gave EXPERIAN notice that they were violating my consumer rights and are continuing to do so. I asked to speak with a supervisor and was denied. XXXX stated that there was no supervisors available and I advised that I was just disconnected from one. She only offered a call back with a supervisor between 24-72hours before ending the call at XXXX.
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

I frequently used an app called XXXX where I would wager money. On XX/XX/2023 someone was able to gain access to my debit card, account informations and other personal details. They then deposited and wagered money on my account as a form of sabotage. I let XXXX know however they refused my response and I then contacted my bank Truist. I told they what happened and I had my account frozen. However, their investigation took only 2 days. They denied my refund since my response was not valid. 

The perosn on the phone asked if I ever done business with XXXX and I said yes however she labeled it as no so as a result Truist saw this as a lie on my end however it was a mistake by the call handler. I called Truist to let them know and they said they can open an appeal but I was never contacted again by them and whenever I contact them they refuse to answer. 

{$2500.00} dollars of a charge was unauthorized by me and Id like these funds reimbursed.