davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-21
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. (CA)

I was at XXXX XXXX apartments today XX/XX/19 because I need to rent an apartment by next month but when they ran my credit to see if I qualified to rent there, I was told that I didn't meet their credit requirements ; I was confused because I have always made sure to pay everything on time. I looked at the credit report they pulled and I saw that there were several accounts in negative standing that aren't even mine. I did not open any of those accounts and I have never allowed anyone to open them in my name. I have no idea who these accounts belong to or why they are on my credit. I did not gain anything at all from these accounts nor did I ever make any purchases or payments towards any of these accounts. I am not affiliated with any of those companies in any way and I have already filed a police report.
Consumer complaint received 2019-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was at XXXX XXXX apartments today XX/XX/19 because I need to rent an apartment by next month but when they ran my credit to see if I qualified to rent there, I was told that I didn't meet their credit requirements ; I was confused because I have always made sure to pay everything on time. I looked at the credit report they pulled and I saw that there were several accounts in negative standing that aren't even mine. I did not open any of those accounts and I have never allowed anyone to open them in my name. I have no idea who these accounts belong to or why they are on my credit. I did not gain anything at all from these accounts nor did I ever make any purchases or payments towards any of these accounts. I am not affiliated with any of those companies in any way and I have already filed a police report.
Consumer complaint received 2022-05-19
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 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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Consumer complaint received 2022-12-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I was asked by a friend to download VENMO to receive funds from him, so I did so, my friend then sent me the funds, but when I tried to get the funds VENMO had frozen the account, mind you I was broken down at XXXX with XXXX grandchildren in the car a XXXX, XXXX, I had just opened the account what could have gone wrong, I parked the car and proceeded to retrieve my money to no avail, the one CSR told me it would be investigated but that it could take up to 7 days to correct, if I hadn't needed that money I wouldn't have downloaded this XXXX app, Sincerely XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2022-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (FL)

XXXXXXXX XXXX XXXXXXXX XXXX XXXX CFPB Report No. XXXX First Federal Credit Control CFPB Report XXXX. XXXX Inadvertently the 2nd above was the incorrect collection company.

Have correct contact information now.
Consumer complaint received 2021-11-12
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. (CA)

Pursuant 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries included as a attachment in this complaint
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I have numerous medical bills on my credit report which goes against the laws. Wakefield associates have to open accounts on my credit report, account resolution services, XXXX XXXX and account resolution corpo
Consumer complaint received 2016-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Advantage LNS Inc. (TX)

I have called the company several times in an attempt to speak with someone. I am always transferred over to the same representative. I had to request an itemized summary of the charges multiple times before she complied. After receiving a copy of the itemized charges I called back to speak with someone about the discrepancies. I explained to her that the charges does not comply with state rental and housing laws for the state of TX and she began yelling at me and pulled my credit report without my authorization and said " you just do n't like paying your bills ; you do n't pay ( creditor ) or ( another creditor ) ''. I then asked her if she pulled my credit report without my consent and she laughed at me and hung up. I called back and asked the first agent that answered if I could speak with a supervisor only to be transferred back to the insulting agent. 

This company is charging me for, both, a reletting fee and acceleration of rent ; which is illegal by law. Housing laws prevent collecting payment of rent twice in the same month ; charging me an acceleration of rent AND reletting fees does just that. I am being billed {$850.00} for reletting fees to cover the loss the property incurs while the unit is unoccupied however, I have also been billed {$8600.00} for accelerated rent for the time period XXXX XXXX ( the day I was evicted through XXXX XXXX ( what would have been the last day of my contract ) .I have expressed to the agency that I know, by law, the property has to mitigate damages and can not charge me for the rent of an unit someone else was occupying and paying rent for. I have asked for them to tell me when the next occupant moved into the unit and have yet to receive the information. I have only been met with insults, placed on hold for extended and unreasonable periods of time, yelled at, treated as though I was subhuman, and completely neglected. Being unable to resolve this matter, despite the many calls I have placed to this company, has negatively impacted my life and finances. I have had to pay more for deposits at other complexes, my credit score has this blemish, I have been turned away from a local program that would aid me in obtaining a grant for the purchase of a home, and had to pay higher interest rates. For all of the previously listed reasons I have moved towards filing a lawsuit against this company for 1. ) Pulling my credit report without permission which is a violation of the Fair Credit Reporting Act Section 604 ( A ) ( 3 ) 2. ) Failing to validate the debt yet continuing to purse the collection of the debt which is a violation of the FCRA 809 ( b ) 3. ) Failing to validate my debt and continuing to report it to the credit bureaus which is also a violation of the FCRA under the same 809 ( b ) clause and 4. ) The abusive language used when I called a violation that I am protected against under the FDCPA Section 806.
Consumer complaint received 2022-05-18
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. (IL)

On XX/XX/2022 I was woken up at XXXX XXXX  by a call from XXXX XXXX from XXXX XXXX  company attempting to talk of a current mortgage i have from same company. I was trying to assertain if this was about my current mortgage I have with XXXX or a new refi proposal from the company. She asked me to verify by my date of birth that she had on record and I replied yes to my date of birth. Then she immediately pulled my credit report in which I never gave consent to. 

I then figured out that she was trying to sell me a refi on my exisiting loan that was brokered only two years ago a a low rate and then refused her offer at a higher rate. Never did I give her permission to pull my credit and see what she could do for me. 

I am in process of refing another property and did not want a credit pull on my report. I repeatedly called the company and told them to remove the unauthorized pull and got no results. Finially after 5 phone calls and much grief, I got to speak with someone who said they can check into it. Today XX/XX/2022 got a formal refusal. XXXX told me that because I answered yes to my correct date of birth in trying to assertain what she was trying to talk to me about, that I gave consent, which I never did. 

Since the XX/XX/XXXX, I have been completely harrassed by multiple sales people from this company in trying to refi at a higher rate and bundle in my personal creidt card balances. I told them many times I am not interested in this. This is harrassment. 

I have begged to have the credit pull reversed and they refuse. This is illlegal I believe for them to do this. I am very upset at their trickery practices and poor customer service.
Consumer complaint received 2022-04-10
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. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX, Account # XXXX, XXXX, Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (IL)

To whom it may concern : My complaint is stemming from the credit reporting associated with a Citimortgage account # XXXX. This is a very unique situation because Citimortgage withdrew it 's interest in the property and issue release for the mortgage. This was done without them receiving a payoff. There were circumstances surrounding this account that ultimately made Citimortgage decide to relinquish its interest in the property. In addition to that, it was verbally mentioned to me that Citimortgage will also not respond to any type of credit bureau disputes regarding this account. I inquired about getting the account removed from my credit report. I was told by one of their representatives that I can get it removed from my report by filing a dispute with the credit bureaus. I was assured that given the circumstances surrounding this account, Citi will not respond to the dispute and the account will then be deleted and removed from my credit report. 
I followed the instructions that they gave me and filed disputes and I was displeased when the account did not delete from my credit history.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Asked companies to investigate account to make sure it was XXXX XXXX accurate and correct according to FCRA, account is still reporting inaccuracies causing harm to my credit. 

XXXX, In XXXX, XXXX XXXX reported ok ( paid ), but on XXXX, XXXX Transunion reported 30 days late. Which bureau is XXXX XXXX accurate? 

XXXX. In XXXX, XXXX XXXX reported XXXX  days late, but in XXXX, XXXX Transunion reported ok ( paid ). Which bureau XXXX % accurate?
Consumer complaint received 2019-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (VA)

I have submitted several disputes with them about this XXXX account to no avail. I have called directly ( XXXX ) and they have no record and told me to contact the data furnisher. I have included my identity theft report from the FTC and police dept. I did EVERTHING I WAS SUPPOSED TO DO. My police report is attached and if this is not rectified, I will resort to other legal action. This company has been horrible top deal with. They have not contacted me BECAUSE THEY HAVE THE WRONG ADDRESS DUE TO FRAUD! Thats the point of filing a report and doing what I'm suppose do. I have filed SEVERAL COMPLAINTS AND WANT THIS REMOVED! My next resorts will be legal action. My police report is included, thank goodness I have a paper trail of what I did. Deplorable customer service ACROSS THE BOARD. If someone uses your information that information is now on your credit report, so their initial response is ridiculous. I did what the consumer is supposed to do, file reports both police and FTC. As well as make complaints about their business practices.
Consumer complaint received 2022-10-13
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. (FL)

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 2022-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (OH)

On XXXX the XXXX I received a letter from American Coradius International LLC. The letter stated I owed XXXX as of XX/XX/2022 and the creditor is XXXX XXXX. I do not have a XXXX account and never have had one. It references account number XXXX. This is a fraudulent attempt to collect money. I looked on line and it appears this company is doing this to multiple people. My concern is if everyone knows about this, why is our government protection agencies not doing anything about them? 

Please help.
Consumer complaint received 2022-05-19
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Consumer complaint received 2022-10-12
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. (GA)

On XX/XX/2022 I received an email from Experian stating that they would block/remove items from my credit report if they received some documents from me. 

I have submitted those documents via USPS certified mail - my tracking number is XXXX.
Consumer complaint received 2022-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (WI)

This complaint is about ATG llc, this company is horrible, and they break the law big time, I guess ATG Rep and Manger think there above the law and I'm asking CFPB to conduct and investigation into there conduct. CFPB by getting phone recordings. I told ATG that I'm the original creditor of the account and they refuse to listen. They say there representing XXXXXXXX XXXX and say they are the original creditor. This company and workers are deemed to know the law if ATG is say they follow FCRA, I am the creditor of that account, every loan, debt obligation or extension of credit is originated from from my social security number. Refer to 15 usc 1602 ( I ), so basically XXXX XXXX XXXX is using my credit and say I owe them as in XXXX XXXX. ATG is not looking out in the best interest for the people. By giving out false information 15 usc 1611. Also in violation of 15 usc 6802- ( A ) and 15 usc 1692 c ( a ) also a violation of my 13th amendment trying financial slavery my 5th amendment. Life, liberty and due process
Consumer complaint received 2022-05-19
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: SYNCHRONY FINANCIAL (NY)

In accordance with the fair credit reporting act XXXX Acct. # XXXX, Acct. # XXXX, Acct. # ending in # 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 instruction.

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 any purpose.
Consumer complaint received 2022-05-19
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: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

In accordance with the fair credit reporting act Account # XXXX, # XXXX, # XXXX, has violated my rights 15 USC 1681 Section 602 I have the right to privacy. 15 USC Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a count without my written instructions. 15 USC 1666B : A creditor may not treat a payment or a credit card under an open end consumer credit plan as a late for any purpose
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

re : XXXX This is hardly a new problem. I have two separate issues, which I will deal with in two separate submissions. They do all stem from the same initial problem. First new inquiry : I'm returning to this unfinished matter about Capital One and their failure to handle a problem of their own making in a proper way. 

I want the following question answered. It should be easy but I'd like an answer that makes sense. Here goes : WHY did Cap One cash an improperly-endorsed check ( " improperly '' according to their lights ) and then freeze the funds? 

Clearly, they discovered the issue right away, given that the money was deposited into my account and frozen, insofar as I can tell, virtually immediately? I checked my account the day right after my deposit and the monies ALREADY were frozen. Why, seeing there was an issue, did they not return the funds to XXXX immediately? What in the world impeded their return of the funds as soon as they realized that the checks were not endorsed properly? As it is, we are now firmly in month XXXX Can you not see that this an outrageous situation? XXXX months for $ XXXX? And they're still sitting on it. I want an answer to this question. An answer that makes sense. Anxiously awaiting your reply. 

Thanks.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. 

Account Name XXXX XXXXXXXX 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 has violated my rights. Or list of inquiries XXXX 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.