davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
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: Possible Financial Inc (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-18
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. (MO)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the items nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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: SUN LOAN COMPANY INC. (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-10-01
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. (GA)

I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I went and loo at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX XXXX  and XXXX XXXX XXXX. 
I got contact with FTC and i have call police
Consumer complaint received 2022-08-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America employee made an error by posting a payment on my account that I did not make. Then they reported to the credit bureaus that I had a high balance of {$1200.00}. The credit limit on my card is only {$500.00}. I have never charged anything on this card that is over my credit limit. I called Bank of America to fix this problem and they have refused. It is causing me to not get credit and home loan. I called and sent letters to Bank of America and to date they have refused to correct their error and report the correct " high balance on this credit card. I am being discriminated against because I am a XXXX woman. Bank of America is fully aware of their error and have refused to fix it. 
I wrote them numerous letters stating one of their Customer Service Rep at their call center processed a payment on my account that I never did. They have refused to correct my credit report and take off the high balance they are reporting. I never charged anything on this account to have a high balance of {$1200.00}. I been fighting them for over 2 years to fix this error. They have refused and doing this to keep a false derogatory information on my credit report to prevent me from getting loans and credit. Because I am a XXXX woman. Please stop this discrimination against me and fix my credit report with the correct information. 

Below is what is listed on my Credit files. All three, XXXX, XXXX and XXXX XXXX is reporting this inaccurate high balance : Bank of America Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms Paid Monthly Date Paid XX/XX/XXXX High Balance ( Hist. ) High balance of {$1200.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX
Consumer complaint received 2022-05-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

Equifax Credit Reporting Agency!!! still report inaccurate/incomplete negtive information on credit report!! 
Wilfully continues to reporting inaccurate personal identifiers Also have no account numbers on any of the account listed, How would I determine what business or account referring to.
Consumer complaint received 2022-05-16
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)

This is not a duplicate complaint but a complaint / request that has never been fulfilled. For 5 years I have requested the permissible permission used to access my credit report in XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX ( XXXX XXXX. Instead, I get correspondence like the attached. I need the permissible permission for my claim against the person who stole my identity. PLEASE READ MY REQUEST CAREFULLY AND DO NOT IMMEDIATELY PUT THIS UNDER FRAUD AND GO IN ANOTHER DIRECTION. MY REQUEST IS SIMPLE - I am requesting copy of the permissible permission used to access my credit report in XX/XX/2017. I need the signed copy / application. I do not need the contract or amount due. QUIT BEING CHILDREN BY PLAYING WORD AND PAPER GAMES!
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (UT)

I have received several calls from an UNKNOWN number. 3 times per day. My understanding is that they are not allowed to call from UNKNOWN numbers. Last called I answered and she identified herself as XXXX XXXX from Midland Credit Agency. Call received XX/XX/2019 @ XXXX ( MT ).
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I had an agreement with XXXX XXXX XXXX that if I paid the debt in full, they would have it removed from all three credit reporting agencies. I reviewed my credit reports on XXXX/XXXX/XXXX and the account remains on the credit reports. I disputed the items and also called XXXX XXXX XXXX and spoke to XXXX. She stated that the account should have been removed from my credit reports because the company had instructed the credit bureaus to remove it. She stated that I needed to contact the credit bureaus to have them remove it. She said she would send me a letter via email to the credit bureaus stating that it should be removed. I still have not received the email containing the letter.
Consumer complaint received 2022-05-18
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. (TX)

I disputed accounts reported by credit bureaus under my Social Security number they were deleted however they have been reinserted on my report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), credit bureaus are required to notify me of the reinsertion in writing within 5 business days, ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

All three credit reporting agencies : Transunion, XXXX, XXXX do NOT have customer service that answers the phone. All three push consumers to an automated phone line where it is not possible to speak to a human. I've often had trouble logging in to their site and am unable to recover a password or unfreeze my credit, causing me to miss opportunities to apply for credit. 

Many other industries have requirements that customer service ( human ) must be available to customers. Why are these companies allowed to have such a large influence on our lives without being required to provide adequate human-based customer support? 

See attached file or try calling any of the toll-free number for any of the major reporting agencies and attempt to get a human on the phone- it is literally impossible. They simply have their system tell you it can not help you and then hangs-up on you. 
However if you pay them an annual fee - then they will answer your call. This is a way for them to try to bilk consumers out of money after they are already being paid by companies and being reckless with our data ( exposing our social security numbers in poorly protected systems ) Customers have no choice but to use these companies- so we MUST be given options to speak to them when things go wrong and they negatively impact our lives.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (GA)

I have a XXXX account with Wells Fargo. A XXXX XXXX back I noticed some unauthorized transactions. I called Wells Fargo They put a stop payment order and gave me a new account. 
Since XX/XX/XXXX I received new accounts. 
But unfortunately, unauthorized transactions have not stopped. 
I made several claims to Wells Fargo about the transaction and stop payment for that merchant but they have been unsuccessful in returning our money and stopping the unauthorized transaction from XXXX XXXX.
Consumer complaint received 2022-05-16
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maximus Federal Services, Inc. (MD)

Aidvantage XXXX XXXX XXXX XXXX VA, XXXX XX/XX/XXXX This letter is in reference to inacccurate /negative items on my XXXX credit report. In violation of FDCPA and FCRA laws and my rights as a consumer as such : Right To Notice Of Debt - I never received a letter within 5 days of first contacting stating, The amount of debt, The owner of debt ( Aidvantage ). 

Right to contest the debt!!! 

Right to verify the debt!!! 

Aidvantage is reporting the same account number for different accounts. How am I to determine which specific account is which? Aidvanatge reporting inaccurate date opening on accounts, also not reporting the original creditor of the debt. The payment history is also inaccurate. It goes from paid on time XX/XX/XXXX to 90 days late XX/XX/XXXX and 120 days late in XX/XX/XXXX. How is that even possible? 


Can you please conduct a reasonable investigation and correct or delete/remove negative accounts. These violations are causing me actual damages!!!
Consumer complaint received 2017-07-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (VA)

Representatives from Loan Depot have repeatedly claimed to be calling on behalf of the VA rather than a private loan servicing company. Their effort to extract personally identifiable information by fraudulently claiming to be US Government employees is a shameless and illegal means of exploiting veterans.
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. (CA)

on XXXX I sent letters to Experian, XXXX, and XXXX regarding inaccurate and unknown things that they are reporting on my credit report. 
I have yet to receive a response for the items that needs to be corrected. I feel like I have been reaching out forever about this situation and I feel that I am being taken advantage of also being ignored. Correcting this information is very important to me as it is hindering me from the Employment that I am seeking. Experian, XXXX, and XXXX are acting as if my needs aren't important to fix my disputes. 
Section 611 ( a ), plainly stated, a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. it has been over 45 days and still have not received a response with this information corrected. the items need to be deleted promptly. 
I will file for litigation due to the stress that I am going through to get these items deleted from my report. 
The Credit Bureaus have also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Each bureau is supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). These account needs to be deleted for inaccuracies. I will attach a picture of the violations that are being reported. 

How is it possible for each Credit Bureau report in payment history Ok and Past Due in the same month? Also have 3 different dates last active? this picture is full of violations, and they need to delete this account from my credit report because it isn't accurate here is Tracking numbers for XXXX XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for XXXX XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for Experian XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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. (MA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$7.00} ), XXXX ( Opened XX/XX/XXXX, Balance {$16000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-16
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 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 account without my written instructions
Consumer complaint received 2022-05-16
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, the reporting of the following accounts is in violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Information supplied is inaccurate and incomplete. At times it even contradicts itself.
Consumer complaint received 2019-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NY)

This charge popped up on my credit report and I have no knowledge of this debt. There is no documentation or rationale for this debt from an old apartment - landlord ended lease and I moved out the same month. This must be removed ASAP from all my credit reports.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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. (TX)

In accordance with the Fair Credit Reporting Act, the reporting of the following accounts is in violation of my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Information supplied is inaccurate and incomplete. At times it even contradicts itself.
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX  ( Opened XX/XX/XXXX, Balance {$16000.00} ), XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$7.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This collection agency is reporting false information. Portfolio recovery associates. I have disputed multiple times. I hereby request that they report correct information including date of original delinquency with original creditor, provide documentation confirming amount reported. This agency is using inaccurate and unfair reporting methods and have very questionable tactics in general. I will be contacting an attorney very soon if they can not provide me documentation confirming information reported.
Consumer complaint received 2021-07-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Terrill Outsourcing Group (SC)

The call is not for me. Somehow they got my direct line at work. They confirmed that the call is not for me and I was told that the number would be removed from the profile. However, their robocaller calls on a daily basis and leaves messages. However, I never witness the phone ring. I work from XXXX to XXXX which means the most be calling before XXXX or after XXXX.