davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
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. (MA)

In accordance with the Fair Credit Reporting Act, this creditor ( XXXX ) has violated my rights under 15 USC 1681. Section 602 states, I Have the Right to Privacy 15 USC 1681 Section 6O4A, Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666-B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Furthermore, this credit reporting agency ( Experian ) violated the above stated laws by varnishing a credit report with a late payment in XX/XX/XXXX under a revolving line of credit with XXXX, as well as XXXX late payments in XX/XX/XXXX and XX/XX/XXXX under an installment loan with XXXX. These payments have not and can not be verified as late and again under 15 USC 's 1666-B can not be treated as late.
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (SC)

Received a bill in the mail from online information services for a debt owed to XXXX XXXX XXXX. In the amount of {$280.00}. I checked the box stating that I want to dispute this because it is not my debt and mailed it back the same day, XX/XX/XXXX. When I received another bill from Online Information Services, a few weeks later, called them and found out someone had stolen my identity. I didnt realize at first that it was two separate accounts to two different companies.
Consumer complaint received 2022-07-23
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. (TN)

N 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 2021-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (VA)

Wage Garnishment of my income, for a credit card I have no knowledge of for this debt. 
XXXX XXXX Credit card opened inXX/XX/XXXXand the company states that the judgment is from XXXX. The company has summonsed me for a service judgment from the court for wage garnishments. The judgment amount total balance due is {$4600.00}. All of my old accounts with XXXX XXXX has been paid in full.
Consumer complaint received 2022-07-23
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)

N 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 2020-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I need urgent help in this situation. As my Chase Bank account has been closed today XX/XX/2020, due to suspicious activities. I recently moved to XXXX to work in XXXX in XXXX from XXXX. During the 9 weeks it took to receive my benefits from the XXXX, I also applied for unemployment through XXXX XXXX, Since I worked in the city of XXXX at the XXXX XXXX for over a year. I did this thinking that I would not be eligible for XXXX benefits since I only recently moved to XXXX and worked in XXXX at the XXXX XXXX XXXX XXXX for 3 weeks. I ended up getting approved for XXXX   benefits as well and received funds from them. Since Ive never had to apply for these benefits and not knowing how the system works I thought I was getting XXXX from the XXXX and unemployed benefits from The XXXX ; Since I was approved for both. I didnt receive any documents, emails or phone calls stating otherwise. I have currently been in contact with Representative XXXX XXXX office in the state of XXXX about this issue. They stated that I was incorrectly approved for Benefits in the state of XXXX We have sent an email to correct the situation and return the funds I received which amounted to {$5800.00} back to the XXXX. I believe Chase bank suspected this was fraud and closed my accounts. Chase will not disclose any information with me at all. Ive also informed and been in contact with Assembly member XXXX XXXX office about the current situation.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCE CORPORATION (DE)

HARDSHIP DUE TO COVID 19 -- -- - I reached out immediately by phone the main number on the website the local office in XXXX DE and the corporate office by phone left several messages by email and One main online portal the end of XXXX beginning of XX/XX/2020 when the state ordered emergency shut down for Delaware  state thePandemic - Covid 19 crisis. I explained by phone and email letting One Main know my situation and in detail the emergency shut down of the company I worked for. The building we worked in another office on the 3rd floor an employee tested positive for Covid 19 virus. An immediate shut down without notice had to be done. XXXX XXXX a rude and unsympathetic individual representative at the XXXX location finally I was able to speak to someone after days of and weeks of being transferred to voice mails and emailing corporate and no response back either. ( Please feel free to track emails and retrieve voice mail messages and call logs how many times I called in since he state shut down ) I left messages at the bear location. At the time of me not reaching any one I went on One main payment portal choosing they option I could not make a payment. The system accepted. One main went ahead and still debited a payment out of my bank account when I had arranged not to on there online portal.When I called the office XXXX XXXX asking why a payment was debited he replied with his response O NOW U CALL? Very unprofessional and argumentative! I explained I reached out several times and he insinuated I did not and basically called me a lair. I advised him to listen to voice mails at the office and view my online profile portal. I had also mentioned to him I have SINGLE INVOLUNTARY UNEMPLOYMENT INSURANCE a benefit I signed agreed to and paid into why is it that it has not been applied to my account I questioned why has this not been applied to my account to protect me from involuntary no employment due to the emergency crisis state shut down. I can not control what has happened. This SINGLE INVOLUNTARY UNEMPLOYMENT INSURANCE I mentioned this to XXXX he had no comment. He sent me away to reach out to corporate office. Why offer me insurance when it has not protected me??????? Useless or should I say overlooked could care less??? Make it worse I have paid for this its not FREE!!! To make things worse One main has sent this to the credit bureaus. Unfortunately my struggle is real. I am a single parent with no help. I have no money no income and I have tried for weeks to get on the online unemployment system and its been a nigh mare. My loan was paid on time I had not defaulted til this pandemic crisis effected millions  of us and I am one of them. My credit has been ruined to something I have no control over and late fees interest are being applied and my SINGLE INVOLUNTARY UNEMPLOYMENT INSURANCE being ignored and not applied to my account.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I have a {$10000.00} Credit limit with Citi Costco card. I used the card more than usual this past month to purchase material for a remodel as well as a large doctor bill. Since I was reaching my credit limit, I made 3 payments, one on XX/XX/XXXX ( {$3400.00} ), one on XX/XX/XXXX ( {$1300.00} ) and on XX/XX/XXXX ( {$8800.00} ). I could have waited until my billing due date but instead I thought I was doing a good thing by paying my balance off. Instead they have locked my account out for 12 days as punishment for making multiple payments in one month! I am shocked & dismayed that making multiple payments in one month to pay my balance off is a negative in their minds. I can not use my card until XX/XX/XXXX & it has caused a hardship for me. Additionally even though I have a credit score of XXXX and no outstanding balance on any credit card, they refused to increase my credit line either. They lied & said I have too much balance, I have none!
Consumer complaint received 2020-07-30
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2022-07-23
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: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/2022, there was a fraudulent use on my XXXX XXXX XXXX and a victim of fraud. I report the matter to the XXXX police department, XXXX XXXX, and XXXX XXXX the energy company that the fraudulent used my identity for the possession of electric power. 
I called XXXX energy to let them know that I have never been in business with them before, which is not me. They asked me to report the matter to FTC and the police department and get a report from both departments before they could close the case. 


Yours sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-23
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. (OR)

N accordance with Fair Credit Reporting Act XXXX  XXXX XXXX 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.
Consumer complaint received 2022-02-15
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. (OH)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated (IN)

On XX/XX/2021, I attempted to use my Indiana Way2Go card to withdraw money from an ATM. The ATM glitched during the transaction and no money was dispensed. Upon attempting the withdrawal again, the {$210.00} had been removed from the account as if I had received the money. I spoke with XXXX who in turn directed me to call the card issuer because it is ant their fault the ATM messed up. Apparently, I was denied the hardship credit because I didnt have an urgent matter that would have given me the provisional credit sooner. Thats false because I was using that money to pay a utility that was up for disconnect. I spend 5-6 hours per day since XX/XX/2021 on the phone trying desperately to get an answer of why I would need to wait 45-90 days to get my money back. I have been hung up on by reps and flat out lied to about timeframes and processes. I was told to write my own personal statement about the incident and include the service ID number to expedite the process of getting the provisional credit sooner only to be told that the fact I wrote a statement instead of waiting for the claim paperwork, which still hasnt arrived as of XX/XX/2021. Now, I have to wait until XX/XX/2021 which is ridiculous because I need that money to pay bills! I have been lied to by almost every rep as they trash the previous reps comments to me. No one is notating the account as they claim they are doing, I am transferred to the wrong departments, given the wrong fax number to send my statement.
Consumer complaint received 2018-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

This account has been disputed several times and asked to validate with no success. This collection agency is not licensed to collect debt in the state of Texas where I reside. They are fraudulently reporting a fraudulent account to all three credit bureaus and I want the account removed from my credit files.
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (FL)

On XX/XX/XXXX I received an alert from XXXX regarding a credit inquiry. Upon review of my credit report I noticed there was someone else 's name, address, and employment information on my credit report. I contacted XXXX to correct this information on XX/XX/XXXX. Then I froze my XXXX, XXXX, and XXXX reports for one year. Then, on XX/XX/XXXX I received a letter in the mail from a debt collector in reference to an apartment in XXXX. I wrote them a letter in response with proof of my mortgage for the house I currently and have lived in for 12 years now. I also explained in my letter that I have never lived anywhere other than the county I currently reside in. I also requested they send me the original information regarding the debt so that I can file a police report. I mailed all of this on XX/XX/XXXX. Then on XX/XX/XXXX I received an alert from XXXX that a collection was placed on my credit. I pulled my credit report and found multiple collections on my report at the same time. They are for apartments and XXXX XXXX XXXX. I called XXXX on XX/XX/XXXX and reported them all as not mine. Then today XX/XX/XXXX I received another alert from XXXX that there are collections posted on my report. I pulled my report and there are two new collections reported against me that are not mine. I have attempted to contact these agencies and they just do not believe they are not mine. They insist it is me because my birth date matches. Then they insist I owe the debt and written bad checks to their creditor, and I absolutely have not. Even the XXXX XXXX XXXX creditor, I explained I have an account with XXXX XXXX XXXX and it has never been late or unpaid. They didn't want to hear it and asked me to pay my debt. I requested that I be mailed the information but have not received anything to date. 

On my credit report ( none are mine ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXXt RE : XXXX {$500.00} XXXX XXXX RE : XXXX XXXX {$210.00} XXXX, XXXX RE : XXXX XXXX XXXX XXXX {$220.00} The one I sent a letter to is : Rent Recovery Solutions XXXX RE : XXXX XXXX XXXX {$570.00} I feel like there will be more ... .and my credit which has always been stellar is suffering.
Consumer complaint received 2024-02-06
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. (CT)

XXXX, XXXX, AND EXPERIAN after repeated attempts, online disputes files, phone calls to all agencies refuse to remove ALL Charge-offs from my credit reports. They XXXX the information " validating '' debt. The issue of whether I had an account was NOT the problem!!! They are XXXX reporting income. According to XXXX USC XXXX ( b ) INCOME IS NOT REPORTABLE!! 

The I.R.S. clearly defines a CHARGE-OFF as ORDINARY GROSS INCOME!! Reference Title XXXX XXXX XXXX C.F.R. XXXX I have sent them this information in disputes to no XXXX!!! XXXX USC XXXX Liability for noncompliance. 

These companies are securitizing peoples data. SEC I will be filing a XXXX report if this isnt fixed immediately
Consumer complaint received 2022-07-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (IL)

This company contacted me about a balance owed on a car that was under my name that I did not own. Upon doing research I was contacted by an insurance company telling me about the totaled car that was in my name but insured for a totally different person. I found out that it was my ex who got a car in my name then crashed it months later. I got with a credit XXXX and they submitted things to all XXXX bureaus. XXXX is still the one that has yet to remove Truist from my report. The insurance paid everything but about {$2000.00}. And that is what im in delinquency over. Something I never even knew about. I had a credit score of about XXXX and now it sits below XXXX. I have great credit history and no bad remarks. This being on my credit is impacting me not being able to get a home. 

They keep calling me harassing me over this debt which I thought the credit repair guy that I paid handled. The insurance company didnt cover the full amount of the loan amount and that is what is left and what took my credit score down. Something I didnt even know about.
Consumer complaint received 2022-07-23
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. (TN)

N 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 2020-07-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KINGS CREDIT SERVICES (CA)

Services were provided following confirmation that my private XXXX  insurance XXXX XXXX XXXX XXXX would cover same. Did not receive any phone call about the provider having issues with collecting payment from my XXXX XXXX. I did not receive communication in regards from XXXX XXXX. I received one bill from collection agency before account was sent to collections without any notice or request for dispute. I called provider today and was told that she didn't call me because " she doesn't have time to call patients about their bills. '' I was told she generally mails 3 invoices and then sends accounts to collections and that is enough. I was not told why they had trouble collecting from insurance or that there was something I could do to assist with collecting payment prior to sending to collections. I contacted my insurance carrier today and was told that they erroneously believed that I was a XXXX recipient ( I'm only XXXX years old ) and did not pay for the entire bill for that reason. XXXX XXXX XXXX XXXX XXXX let me know that the claim would be resubmitted and paid for. I was given confirmation # XXXX for payment confirmation of the outstanding amount.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I did not consent to, authorize nor benefit from any of the following inquiries. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX
Consumer complaint received 2020-07-30
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: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX2020 I XXXX  my home and my Wells Fargo mortgage account was closed. I recently ran my credit report and discovered Wells Fargo reported I had a late mortgage payment in XXXX and XXXX of 2020. Wells Fargo changed the amount of my impounds for my mortgage payment in XXXX of 2020. I have my bank automatically pay Wells Fargo every month as I have had for years and made my scheduled payments in XXXX and XXXX of 2020. I discovered the problem in XXXX with Wells Fargo customer service and rectified the payments. Wells Fargo did not inform me they reported my payments as late for XXXX and XXXX. I contacted Wells Fargo customer service on XX/XX/XXXX20 and was told if my loan was still active they would remove their inaccurate report of late payments, but because my account is now closed they could not. I have never made one late payment to Wells Fargo or to any lender. I do not believe Wells Fargo should not resolve the inaccurate reporting just because my loan is now closed. I respectfully request Wells Fargo notify the credit agencies of the mistake and have it removed from my credit report.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (MD)

I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but Equifax and XXXX have not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.