davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-02-01
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: ENCORE CAPITAL GROUP INC. (AZ)

My daughter XXXX, received a text message and phone call on my behalf, XXXX XXXX seeking a debt collection. The debt collection stated a failure to comply would garner legal action. Upon researching the number attached in the message it belonged to Midland Credit Management. 

Upon checking my credit report there are multiple collection accounts from Midland Credit that I was shocked to see. I was never contacted by this company with any sort of documentation stating I owed a debt with the exception of the collection attempts made to my daughter. 

I believe these charges are fraudulent. 

This company is contacting family on my behalf and my daughter has been contacted by this company at early morning hours. The text message attached was sent to my daughter at XXXX.
Consumer complaint received 2018-09-26
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: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/2018, from Goldman Sach repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XX/XX/XXXX credit report
Consumer complaint received 2018-09-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

I have been fighting with Wells Fargo Dealer Services for months to correctly apply my loan over-payments to paying down my principle balance rather than keeping any over-payments as offsets for future monthly payments. I was told that each time I over-payed I would have to call into customer service to get the over-payment " reissued '' and applied directly to principle. I accepted it because I am tired of arguing with them. I was told " this is policy and we are not going to make changes to your account. '' Fine ... 

So I paid {$1400.00} in XX/XX/2018, which is {$1000.00} over my monthly payment. I did this so i wouldn't have to worry about paying my loan for the next 2 months. They had a note saying that i did not owe again until the beginning on XXXX as the remaining {$1000.00} would be applied to my XXXX and XXXX payments due. Nothing new. So i didn't worry about paying the amount owed at the beginning of XXXX because they said in my XXXX payment statement balance that the over-payment would be applied to future months owed ( XXXX and XXXX ). 

So I checked on it today XX/XX/18 and they reversed my XXXX over-payment and applied it to principle ( seriously, after saying it was not policy ) without my authorization or approval and are now saying that I am past due on my  XXXX payment. 

They are the biggest group of liars and thieves. Seriously, they should all be brought up on criminal charges. So now my credit was hit AND I have late charges. I'm going to pay the " overdue '' XXXX balance tonight but this is getting ridiculous. Regardless of what I do I can not win with these unscrupulous people.
Consumer complaint received 2018-09-26
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: DISCOVER BANK (NJ)

On XX/XX/2017 from XXXX XXXX repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report
Consumer complaint received 2020-10-13
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX  XXXX was paid in full. both the account states it was late. it was not. In addition XXXX XXXX XXXX was added to my credit report one was filled with my bankruptcy. The second one was disputed, as i did not receive any notification. Nor do i believe this debt belongs to me.
Consumer complaint received 2018-09-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Credit Service, Inc. (AZ)

I called and they immediately asked for me and gave out last 4 ssn #. Before even verifying who was calling in. I never identified myself, i advised she just released personal information with out verifying who was even on the phone. She said that she is not breaking any laws giving out the last 4 ssn, ) now i called into the company, from a previous call that i had been hung up on when I refused to id self and asked what company he is from, he said wrong # and hung up. ) When i told her it is not okay to give last 4 of anyones ssn and name before even knowing who is on the phone. I asked for a manager, she refused, multiple times, kept cutting me off, finally put me on hold, came back said manager was busy, she could give me his voicemail.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Outsource Group, Inc (FL)

XXXX XXXX XXXX XXXX Account Number : XXXX Client Account Number : XXXX, and XXXX To Whom This May Concern, I was contacted on XX/XX/XXXX at XXXX at XXXX and spoke with a gentleman regarding a debt that your company is trying to collect. I asked if this was on my credit report and was told that it had the capability of reporting but I had reviewed my credit myself and noticed nothing was there. I did inform the gentleman this was the first of me hearing about this as I was never sent a letter ( must be a Skip-Tracing error ) as i have not lived at the old address on file in years. I had my address updated as well. I also find it extremely strange and very poor collection practices that this account according to XXXX XXXX was opened as of XX/XX/2018 yet I did not receive a call until XX/XX/XXXX. 
On XX/XX/XXXX at XXXX I called into your office and spoke with your rep, I believe her name was XXXX XXXX . I was informed her that i was not seeing this on my credit but I wanted to set up a payment arrangement to ensure this debt would not affect my credit. I set up the payment for monthly payments of {$57.00} and the first payment was applied on XX/XX/XXXX. While I was on the phone with the rep I was informed this would NEVER end up on my credit and I was like great. I did ask for an updated contact letter as I did not receive the first one and she did seem confused as to how to request a letter. As someone that has worked in collection for 4 years this is a basic couple of clicks and the vendor sends a letter. Anyways I did finally receive your initial dunn letter. 
On XX/XX/2018 I received an alert from XXXX XXXX regarding a debt that had hit my credit. I reviewed XXXX XXXX and well this ended up on my XXXX and dropped by score by 70 points!!!!! I called back on XX/XX/2018 and spoke with a young lady and her supervisor and they were extremely helpful. The two individuals were confused as to why this reported as this was explained prior this would never hit my credit but what was also confusing as they could not see where this was updated with the credit bureaus and this was actually never reported. Well it is on my credit report clear as day. 
As of today XX/XX/2018 this is on both XXXX and XXXX and has dropped both credit scores by 70 POINTS!!!!!

I am needing these two accounts removed from my credit IMMEDIATELY! Not only was I told when setting up the payments this would never hit my credit but also informed a second time this was not to hit my credit and it has not even hit my credit. 
I have attached copies of my XXXX and XXXX from XXXX XXXX as well as a CFPB and XXXX complaint. This error has caused great stress and has been just a complete inconvenience as I keep a great credit history! Please remove immediately or I will pursue further in this matter. 

Please review the calls from XX/XX/2018 with XXXX XXXX and on XX/XX/2018 at XXXX
Consumer complaint received 2018-09-26
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: EQUIFAX, INC. (IL)

In the year 2013 my identity was stolen, unbeknownst to me, someone use my government issued social security number to obtain goods and services using my personal information. this theft begin to take place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to each creditor and the credit reporting agencies via certified mail as advised by my council A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THE EQUIFAX COMPANY REFUSES TO RESPOND AND STOP REPORTING THESE INVALID ACCOUNT UNDER MY NAME ATTACHED YOU WILL FIND THE COMPLETE IDENTITY THEFT FILE FOR XXXX XXXX INCLUDING MY FEDERAL TAX RETURNS THAT SHOW MY ADDRESS AT THE TIME THESE ACCOUNTS WERE OPENED FRAUDULENTLY. 

XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (AZ)

Citibank closed my credit card account XX/XX/XXXX for " inactivity. '' I've had this account since XXXX, it has a {$0.00} balance, and helps my credit score. The company never told me I was in danger of having it closed -- they just closed it and notified me. This is wrong. I should have the opportunity to use the card if I know that it's in danger of being closed. 

I recently took out some loans to buy a condo and a tiny home rental, so these loans are backed by real assets. My credit score is still very good. The company should have at least contacted me. Instead, they arbitrarily canceled my card. Where am I going to get a new card with such long history?
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC. (OH)

About 45 days ago my auto company removed my loan from my credit report causing me to lose 4years of good payment history and causing my credit score to drop I have made approximately 10 different phone calls talking to upwards of 20 different people always being told the same thing we will get this updated and reported as of XXXX/XXXX/XXXX its still not corrected on my XXXX report the one they removed it from, I have asked repeatedly under the fair credit reporting act they fix this but I get nowhere everyone says I will call you back after I look into it but no one ever does I am to the point I have started looking for an attorney to help me. I applied for a Home loan because my scores where fine but when they pulled it and this wasnt on my report it dropped my scores enough I was denied the loan I am just tired of dealing this and want this matter fixed now
Consumer complaint received 2018-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

My complaint is against Wells Fargo ... Tonight I learned an {$800.00} teller check was cashed on my account without my knowledge or consent. My sister is on my account and one month ago her purse was stolen out of her car. Today between XXXX-and close of business a check was cashed using her identity. When her purse was stolen she reported it to Wells Frago where we Bank. They closed her account and set fraud alerts. Not only did someone cash a check on my account for {$800.00} but they cashed a check for {$600.00} on hers. No check image is available. They cant even tell us what Branch this happened at. After being on the phone with them for 2 1/2 hours they are saying an investigation has to be done and we will not have our money back until it is complete. HOWWW are they allowed to do this when it was reported to them that her identity was stolen and they did not take the proper measures to protect our account! This has to be an inside job!!! How is this even allowed!
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I own a home in Florida. It was damaged during the recent storm on XXXX XXXX, XXXX. I rent it out to tenants. My insurance company is XXXX XXXX XXXX ( XXXX ). I reported the damage. Fortunately, the house was habitable at all times. The main damage was to the roof. To mitigage damage to the house, my property manager, at my request, had the roof repaired as quickly as possible. XXXX later sent an adjuster, " XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX '' to the property. Its report is attached. It begins on the sixth page of the set of documents that are attached. XXXX sent me a check based on the adjuster 's estimate. However, to cash the check, I needed the endorsement of my mortgage company, Wells Fargo. I went to a Wells Fargo branch to obtain this endorsement on Saturday, XXXX XXXX, XXXX. However, Wells Fargo required me to sign the attached document entitled " Insurance claim check endorsement & Property Inspection Agreement ''. I regret that my wife and I did not think this through before signing. There are provisions that I think are unconscionable. First, in clause 3, it is stated that if repairs are not completed in 120 days, I admit that I have breached the terms of my mortgage and Wells Fargo may call our loan due. In addition, on the prior page, it is indicated, in the second paragraph, that those repairs need to be 100 % complete. This provides, in my opinion, far too much discretionary power to Wells Fargo. I consider it unconscionable that a person trying to repair their home but perhaps not meeting Wells Fargo 's definition of timely completion or an inspector 's definition of 100 % completion ( rather than some more sensible level of substantial completion ) could lose their mortgage. This requirement was not written in my insurance policy with XXXX. No consideration was provided by me for this additional right conferred upon Wells Fargo. Is n't making this provision mandatory inconsistent with consumer protection laws? Also, clause 2 provides me 10 days from XXXX XXXX to indicate any disagreement that I might have. I suspect that this means that I can keep the proceeds, apply them to the repairs, and not agree to these extreme provisions. I plan to indicate in additional ways in writing my disagreement to Wells Fargo, but I want to know what my rights are. In order to keep the proceeds, am I required to sign something with such draconian provisions which place my entire mortgage at risk? I suspect many others in Florida are facing the same situation. This may be a good story for XXXX XXXX!
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (IL)

I ordered a copy of my report in XXXX dated XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe were reported in error. 


XXXXXXXX XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (VA)

My XXXX XXXX XXXX number is XXXX. We had earned 2 free night certificates through the Chase XXXX credit card. I had written down an expiration date of XX/XX/2018. We have booked a trip to XXXX and the last part was booking the XXXX XXXX XXXX, but when I went online the certificates were not there. I called the customer service line and was told the certificates had expired and was told to contact Chase.
Consumer complaint received 2018-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Certified letter requesting validation was sent to XXXX XXXX. 
C/o Resurgent Capital Services XXXX XXXX  XXXX XXXX, SC XXXX This is the collection agency for XXXX XXXX XXXX XXXX XXXX. 
I have not received anything in response. Also after looking on the State of Texas website, XXXX, Resurgent Capital Services or XXXX XXXXXXXX XXXX  are not listed as bonded in my state to collect debt. 
I am asking for this account to be removed from credit report with all 3 bureaus.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I ordered a copy of my report in XXXX dated XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe were reported in error. 


XXXX XXXX  XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

PayPal has permanently limited my account for no reason and did not give me an explanation whatsoever. Along with thousands of other sellers on an online marketplace known as XXXX XXXX, a PayPal account must be used to compete transactions with regards to both buyer and seller safety. I have never interfered negatively with XXXX acceptable use policy and have records to prove my transactions, shipping labels, proof of delivery, and genuine reviews from my buyers. After contacting PayPal regarding my situation, they failed to help me and instead gave me a very vague response, not answering what I really asked. My PayPal account is associated with my email, XXXX XXXX