davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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: Millco Management (NC)

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 1681 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 an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the fair credit Reporting act XXXX  XXXX Account # 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 instructions.

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 purpose.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I XXXX XXXX THE ORIGINAL CREDITOR NATURAL CONSUMER, FCRA RIGHTS HAVE BEEN VIOLATED BY XXXX TRANSUNION AND XXXX. THEY ARE REPORTING A FRADULENT ACCOUNT BY ( XXXX XXXX XXXX ) ON MY CREDIT REPORT. 15 USC 1681B STATES THAT THE CREDIT BUREAUS NEEDS MY CONSENT TO REPORT ANYTHING ON MY CREDIT REPORT. I XXXX XXXX NEVER GAVE THEM ANY CONSENT TO REPORT THIS FRADULENT ACCOUNT ON MY CREDIT FILE, I NEVER HAD ANY DEALINGS OR BUSINESS WITH THIS DEBT COLLECTOR. THIS INFORMATION IS FALSE MISLEADING UNFAIR PRACTICES.
Consumer complaint received 2021-07-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

2006 we [ my wife and me ] refinance our mortgage with XXXX  lending company we get a loan of {$48.00} thru home equity credit line, our payment went too high, we filed bankruptcy to avoid foreclose, after 15 years a new company send me a charge to pay this amount [ now is more [ double ] even this XXXX  is not here anymore they make a mess with my mortgage. we still paying our first mortgage only depending from our social security checks.we are broke and we can't pay this money this people is claiming to us we need legal aid or someone to talk to them [ we only speak XXXX  ] we can't understand what they want. I'm XXXX and my wife XXXX any help well be appreciate. thanks i,
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.
Consumer complaint received 2020-11-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC (NV)

On XX/XX/2016, I am XXXX XXXX entered a consumer credit transaction in which I was the creditor and the seller with American Credit Acceptance. Fact, there was a finance charge involved. Pursuant to 15 USC 1605, they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a {$1200.00} cash down payment from me which means they are liable to me in the amount of double the finance charge. The finance charge was {$13000.00}, double that is $ XXXXThey also never gave any material disclosure disclosing I have a right of recession.
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I have a mortgage with Wells Fargo. In XX/XX/2020 Wells Fargo sent an offer to defer payments to the end of my loan if we were affected by COVID-19. My wife had just lost her job and we were having trouble making our mortgage payments so we figured 'why not ' while my wife looked for another job. We continued in the program for 11 months and we were able to make 1 payment while in the program. Our original principle balance of the loan was {$370000.00}. We had payed out mortgage down to {$350000.00} before COVID-19 struck. We differed 11 payments which they said equaled {$23000.00}. I spoke to a Wells Fargo " mortgage expert '' about my options and was really confused about what I heard. I was told that they would mail out some info on a couple of different options on repaying the missed mortgage payments. I never received the information. Instead I saw that Wells Fargo modified my mortgage by adding the {$23000.00} in " differed payments '' to my principal balance. So I now owe {$380000.00} after adding the differed amount to my original balance. So I now owe {$10000.00} more then my original amount financed! I did read up on the Forbearance Program offered by XXXX XXXXe and if what I read was correct, then Wells Fargo was making my payments for me while I was thinking I was differing them to the end of my loan, but they were not deducting the payments from my principle balance. This means I will be paying the payments back twice ... .once to pay them back for the Forbearance Program and again in my original principle balance of my original loan. I do not call this helping people in need ... .this is taking advantage of them. Please look into this and let me know? 

XXXX XXXX
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (TX)

Experian neglected to sufficiently investigate the errors being reported on my credit report. 
I do not have an account with XXXX XXXX XXXX. 
XXXX XXXX XXXX account has been reported without providing documentation showing the true and correct information. I do not see any correct information for this account, No balance history, no payment history, missing data, Experian claims this account was opened over 7 years ago which also puts this account in violation of satute of limitiations of collection and reporting. Experian claims this account was opened 2017, then experian should supply/provide the documentation proving this account to show such or delete immediately from profile. Experian neglected to report this account full details, Highest balance data is missing ( provide this information or delete this account immediately ), First date of delinquency is not being reported also, when was the first and last date of delinquency. ( provide this information or delete immediately ), This account is also being reported repeatedly every month as a collection, this is a violation of fcra laws. What was the amount last paid and what was the payment date for that. Being that the payment history is missing lots of important data, Experian provide this or delete the account immediately. This account is listed as an collection account, why is experian reporting a past due amount on a collection account? This is in fact Illegal to report negative and false information that harms the consumer. Experian has neglected and caused harm by conducting illegal reporting and sharign of my data and I demand to have this national credit account deleted from my profile immediately. XXXX XXXX is not the original creditor but also neglected to notify me of such account and both national credit and creditor claim to not have any information on this account so why does experian report negative and false information.
Consumer complaint received 2021-10-22
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. (IL)

After i noticed this Random account being repoted to my Consumer Report I Contacted Experian via Phone XX/XX/2021 to notify them of the Adverse item. The Representative was unable to assist me even after i notified them of the specefic account that was being reported inaccurately. they were completey ignorant to the law. on XX/XX/XXXX i wrote the company notifying them of the Law Codes they were in violation of & i have not heard anything back from them.
Consumer complaint received 2021-01-26
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: Santander Consumer USA Holdings Inc. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/2019 SANTANDER/ROADLOANS.COM Inquired on XX/XX/2019 XXXX XXXX Inquired on XX/XX/2019 But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2022-04-28
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. (IL)

In accordance with the fair credit Reporting act XXXX  XXXX Account # 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 instructions.

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 purpose.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED BANKSHARES, INC. (WV)

On Friday, XX/XX/XXXX I received an automated call from United Bank, Incs fraud department informing me of fraudulent transactions. After reviewing my online banking, I confirmed XXXX purchases of {$29.00}. After confirmation, I was switched to a representative over the phone who closed my card and instructed me to contact my local branch. 
I spoke with XXXX, the branch manager of the XXXX office who told me I had to wait for the transactions to POST before I could begin the process of disputing the transactions. 
All but one transaction had POSTED by Monday and after speaking with XXXX, I was informed that the last transaction needed to post before anything could be done. On Tuesday, XX/XX/XXXX, I completed the paperwork and was told once the fraud department received my documents, the bank had 10 days to investigate. This would put my account short of {$300.00} for more than 15 days. This is unacceptable! If United Banks fraud department caught these transactions, then why is the process and burden being put on the consumer? Regulation E states that financial institutions have 10 days to return funds or provide provisional credit, United is delaying this process. 
The transactions should have been blocked and IMMEDIATELY begun investigation. 
United Banks privacy policy also states it will protect consumers funds. Where is the protection? 
United Bank , Inc only cares about its bottom line, not their consumers!
Consumer complaint received 2021-06-01
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (FL)

I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.
Consumer complaint received 2021-06-01
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: EQUIFAX, INC. (CA)

There are many accounts that are not mine and they are all on my credit report I have no clue how all these accounts are on my credit report and why they are there I never applied for these and these are not mine not one of them I need this off my credit report asap!!! I have reached out to the bureaus as well as the funrishers and nothing is being done I have even opened an ftc report concerning these accounts this is redicolous. 


Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : JXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : Unverified account
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Citi Bank - Shop Your Way Credit Card. 
I have the following card that I don't use frequently 3 months ago my wife used the card for a single transaction that was {$21.00}. unfortunately I was not aware of this and i missed paying the amount for 2 months. Citi bank charged me two late fees the first for {$21.00} and the second for {$39.00} plus interest. I called them to resolve the situation by offering to pay the original charged amount plus interest due. Unfortunately they did not accept my offer and insist that I owe them the full amount which is now {$86.00}. 

again the original charge was {$21.00} first late fee was {$21.00} plus {$2.00} in interest ( the min since the amount is so small ) total {$23.00} second late fee was {$39.00} plus {$2.00} in interest ( the min since the amount is so small ) total {$41.00} i am trying to resolve this but they insist on charging late fees and interest that exceeds that original amount.
Consumer complaint received 2021-06-01
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: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2021-06-01
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. (CA)

There are many accounts that are not mine and they are all on my credit report I have no clue how all these accounts are on my credit report and why they are there I never applied for these and these are not mine not one of them I need this off my credit report asap!!! I have reached out to the bureaus as well as the funrishers and nothing is being done I have even opened an ftc report concerning these accounts this is redicolous. 


Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX BANK XXXX. 
Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : Unverified account
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Credit & Collection Corporation (TX)

I reached out to this company at Global Credit Collections and spoke with a person XXXX. 

Hi XXXX, I just got harassed by an employee of Global credit collection Corp named XXXX. I asked for supervisor and informed him I am on XXXX and I am filing a complaint with the Consumer Finance Protection Bureau. 

Best Regards, XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO Bank, N.A. (PA)

I found that my identity has been compromised after another debit card was opened in my name. I found the BMO credit check from XX/XX/16 subsequently on my credit report. I then received a letter today requiring me to contact a representative of the bank, though the provided phone number went to what sounded like personal voicemail. 

I called the company prior to receiving the letter, a customer service representative was unable to provide any information about the fraudulent account and told me I would receive a call back within 7 business days.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

trans union XXXX XXXX 2023 i need all closed accounts and inqurys remove from my report and statements remove as well i am not in the military and never have been i need old address remove
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NC)

After receiving a credit alert I noticed that IC Systems Inc reported a fraudulent account on my credit report, I have had this account verified numerous of times of being fraudulent and it still gets reported to my credit from new collection agencies. I have never received any communication about this debt only IC Systems Inc sent this fraudulent debt that doesnt belong to me directly to credit bureau .
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IL)

LVNV Funding LLC has been reporting an inaccurate account to XXXX  XXXX XXXX, a consumer credit bureau, for years after several attempts by myself to dispute. I have never done any business with LVNV Funding and they have no proof that I owe them any debt. I have disputed this debt several times, including XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. In the process, LVNV Funding LLC has committed multiple violations under the Fair Credit Reporting Act.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (AZ)

I was a loyal and respected target card holder until I pulled my credit report at the end of 2020 to find inaccurate information reporting. As according to the FCRA, it is the furnisher 's responsibility to make sure the account is reporting 100 % percent accurate. Since then I have submitted several factual disputes to all the credit bureaus for Target to check the accuracy of their reporting to the CRAs. After submitting a compliant with the CFPB target sent me a letter stating they follow FCRA guidelines as I believe this not to be true. I demand this account be deleted from my credit report as it is in violation of Section 623 ( a ) ( 1 ) ( C ) because I have disputed this account multiple times and they all of came back accurate which is false. I have pulled inaccurate information directly from my credit report such as the date last active, and date last payment and the accurate is still showing inaccurate and inconsistent information between the CRA 's. I have attached my credit report with highlighted inaccurate and inconsistent information. Also this account is violating 15 USC 1681a ( d ) ( 2 ) ( b ) stating the exclusion of any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device from the consumer report. This erroneous account has hindered my progression in life and is in violation with the FCRA. I demand this account to be removed from my credit report immediately.