davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
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. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2015-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc. (TX)

I am continuously being hounded, because of a debt that I 've proven to be brought on by identity theft, and therefore invalid. This time, a different collection agency is looking to collect.
Consumer complaint received 2016-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Shellpoint Partners, LLC (CA)

for the past XXXX years we have been going arund and aroun with shellpoint mortg we applied for a loan mod denied becouse i do n't make enough money for a loan mod so finally we got a agrement pay 6 payments on time and you will get it we did it flaulessly 5 months later still nothing mailed then the letter comes saying all the items are out of date so we update it and go again now we got a call from loss letigation that the docs r on there way approved after weeks and weeks and 40 or 50 calls we get papers to sighn and return we r happy until they say the notary republic did it wrong which was untrue so we sighn and noterize again now we call and get updates and all is good even though we get letter that they never received our docs but we call they say its all done docs r on way well we get envelope from them with a letter and a app to start a loan mod i will attach these letters
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TN)

I used XXXX to request my XXXX free credit reports online. XXXX and XXXX provided the requested credit reports immediately. Given the same information, Experian 's response was " We are unable to process your request. Please call us at XXXX XXXX XXXX XXXX. " Eight days later I tried again to get just the Experian credit report on annualcreditreport.com and received exactly the same response. Attempts to use the Experian phone menus were unproductive and frustrating and at no time was I offered the opportunity to speak with a human to resolve this issue.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Transunion ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Transunion ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Transunion ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Transunion ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-04-16
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Also address and my name is wrong!
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (NC)

Thank you for reviewing the complaint. After reviewing the credit report Mericredit which is collecting on behalf of XXXX XXXX XXXX XXXX XXXX continues to place items on credit report. Requesting validation of all information pertaining to the amount displayed. If coverage was out of the network, no financial assistance wasn't offered.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to Privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2017-02-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (ME)

My husband once owned a small business in the 1980 's that went under. He paid all debts and was able to avoid bankruptcy. His credit is now XXXX and mine always has been. Every once in a while, debt collectors latch onto some old, and long since paid, bill and threaten us, knowing that providing proof is difficult after all these years, long past XXXX. ( 30 years ago! ) A new group has begun to harass us on a daily basis. " Diversified Adjustment Service '' calls every morning and leaves a voice message with their title, their contact phone XXXX, and the reference # XXXX for when we return the call. This has been going on DAILY for the last XXXX three months. They never miss a day. I thought the calls would subside once they realized we were not going to get sucked into this scam. Luckily yesterday I found this Consumer Financial Protection Bureau in our XXXX Newsletter. I hope you will get to the bottom of this. Many thanks.
Consumer complaint received 2023-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On ( XX/XX/XXXX ) I received a text notification from what appeared to be Bank of America notifying me of a {$3500.00} fraudulent XXXX transfer and asking if it was authorized. I replied with " No '' and received a call from Bank of America 's fraud protection number. Where I was unknowingly coerced into transferring {$3500.00}. I was told I was transferring the money back to my account. Later the same day I called the same Bank of America fraud number and I was actually told by an associate that what happened was legitimate and that the money being transferred back into my account was pending. 

I also received another call on ( XX/XX/XXXX ) saying the initial claims code for the {$3500.00} transfer had expired and I needed to go through the steps again, which I did and then unknowingly transferred another {$3500.00}. Thus being scammed out of {$7000.00} total from my checking account through XXXX.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

Ive been paying XXXX a month for probably 8 years now, for Wells Fargo XXXX XXXX XXXX ( could be wrong on the name ), signed up for it when I opened my account not really thinking anything of it, except it was probably good to have. Called a week ago to cancel the service/payment, was informed by a Wells Fargo customer service employee that the Credit reporting service has been disbanded years ago! So Wells Fargo knowing the service that they insisted I get, ceased to continue they still withdrew XXXX $ a month from me. The woman I spoke to could not give me a date when the service stopped but she insured me its been a while, years. So Wells Fargo was actually stealing from me correct? How can they allow my payments to come out knowing the service stopped without ever once sending me an email or phone call, anything. I have hundreds of dollars I feel I should be back paid. Thank you.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

In XXXX of 2022 I rented a vehicle from XXXX rental car I used there services up until XX/XX/2022 I had an issue with XXXX charging both my XXXX account and my capital one account at the same time! I reported these issues to both of my banks niether bank helped me fix the issue so I returned the car on XX/XX/2022 I received an email from agent XXXX XXXX a repo person I spoke with her at XXXX and told her I no longer had possession of the rental car I dropped it off overnight at the rental location because I was frustrated and tired of being overcharged. She told me that they dont have possession of the vehicle so I told her she should call the cops an report the car stolen she told me she would contact the owner and they would right away call the police so that the issue could be resolved. I heard nothing else from them. No more charges were being made to my account. So on XX/XX/2022 I got a charge on my capital one credit card with a XXXX limit for XXXX after several times of my card going over a couple hundred and me paying it and then constantly telling me they can assure me that this wont happen again and then it did! XXXX rental car left open the contract on a car I returned a car that was stolen from their property a car that I told them to call the police for because I know where I left it. So now I have a charge on my account that I cant even afford to pay off because of a mistake that XXXX made and my bank is not any help how do they allow this to happen my limit is only XXXX XXXX cant even walk in the store and buy milk for my kids if I wanted to after I reach my limit this should be Illegal.
Consumer complaint received 2021-08-11
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: Army and Air Force Exchange Service (NJ)

the following accounts appear on my credit report, they do not belong to me, please check them, they are hurting me Identity Theft MILITARY STAR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

Identity Theft US DEPT VETS Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT VETS Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2016-05-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (GA)

CITIBANK Continues dunning calls with implicit threats re : losing information about a debt and the consequences if I do so. I am working with the fraud department of Home Depot. In spite of that I have been getting many calls from Citi agents. They do not communicate with HD 's fraud department. Complete sloppy, emotionally draining over an issue being worked on with HD. Wrongly called me today -- XXXX XXXX as I mourn the recent deaths of my wife and sister. I am an ID fraud victim.
Consumer complaint received 2019-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There is a fraudulent item on my credit report. I had an account with XXXX. It was satisfied and cancelled. Somehow two collection agencies have gotten a hold of my account information and are asking for a payment not owed. One was removed XXXX XXXX. 

XXXX XXXX is still being reported on my credit report. I submitted an online dispute, but the item is still listed on my account. It is lowering my score and making me unable to get credit. This is causing damages and needs to be removed.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2015-11-06
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Avant Credit Corporation (FL)

I applied for loan with Avant, Inc. on XXXX XXXX, 2015. I was informed by Avant that I was approved for {$12000.00}. I provided all of the requested documents, and communicated by phone 4 or 5 times. I actually spent over 4 hours on hold between XXXX/XXXX/15 and XXXX/XXXX/15, and I was even disconnected on one occasion, after being on hold for nearly an hour. Avant 's customer service representative was kind and thorough in handling my questions, but there was n't any follow through from Avant. 
On XXXX/XXXX/15, I was informed my application expired, and a new loan application was activated. The new application was activated when I logged on to my account to check my status because a contract requiring my signature was on my screen, and I was n't able to navigate on my account, without signing the contract. I was not aware the contract was for a new application, and I was not aware my original contract had expired. 
Due to Avant being in possession of documents containing my personal and financial information, on XXXX/XXXX/15, I logged on to my Avant account to verify there had not been any activity on it. On XXXX/XXXX/15, I received an e-mail from Avant stating I applied for a loan on XXXX/XXXX/15, and it was declined. I did NOT apply for another loan on XXXX/XXXX/15, nor will I ever apply for a loan from Avant. 
Based on information I located on the internet, Avant is rated XXXX and a half stars out of XXXX stars in comparison to other lenders, but my experience with Avant did not reflect the practices of a company worthy of a positive review. In my opinion, Avant was misleading, and their customer service was deplorable. In addition, I am now concerned about the possibility of fraudulent use of my personal and financial information due to the notification stating that I applied for a loan on XXXX/XXXX/15, when I did not apply for another loan. 
I e-mailed my complaint to Avant, and they replied, informing me they deactivated my account, and they referred me to their privacy policy regarding my concern about my financial information. Although my complaint to Avant was handled, it should still be noted that their methods are suspicious, and their communication is painfully time consuming.
Consumer complaint received 2022-08-09
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. (NC)

15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy Congress makes it clear that a consumer has a right to privacy. 

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I DID NOT GIVE ANY WRITTEN INSTRUCTION TO PUT THIS ON MY CONSUMER REPORT.
Consumer complaint received 2015-06-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

My bank account has clearly been infiltrated by a thief. Today, while on vacation, I checked my account online. There is a record of all withdrawls i have made within the last 7 days. There is a deposit made by my employer. The amount of money in the account is short the exact amount of the employers deposit. That is the second time this month that money has been shorted from my bank account with FifthThird Bank. I need to switch banks and I would like to get that money back.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (CA)

my Dad passed away and he had a written will and had a notory to make me general power of attorney and also a quick dead was made out and freedom morgage XXXX XXXX XXXX XXXX XXXX XXXX PHONE # XXXX was not going to honner the will so now they are trying to take the house away from me and trying to sell it with them knowing that i have a court date on the XX/XX/2016 they are trying to steel it from me.
Consumer complaint received 2015-06-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC. (CA)

I got a loan from Cash Call for {$2500.00} - a year later, I 've paid it back and more. I finally was able to pay off said loan so I logged into my account, noted the payoff amount and mailed a check. ( They do not make it easy to pay online. ( ie need to make mult payments to pay full amount - plus fees for each payment ) I mailed a check - now they say that 's NOT the payoff amount because they got check 2 days later. And they want more money! 
I will NEVER again do business with Cash Call and DO NOT recommend them. They are PREADATORY.