davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-19
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. (CA)

In the past and present, I have addressed inaccurate information on my Experian Credit Report, by contacting Experian US Customer Service, Experian US Fraud Department, which has been immensely heartbreaking. For example, on XX/XX/2020, I received an alert from Experian stating my credit score has decreased, I immediately accessed Exeperian Account and noticed a new creditor, XXXX XXXX XXXX, I immediately contacted Experian Fraud Department and initiated a disputed, to which I received confirmation.. In addition, after thoroughly researching XXXX XXXX XXXX, the phone was not in service, therefore, On XX/XX/2020, I contacted Experian Fraud Department and inquired about the Fraud investigation, and as usual or not to my surprise, XXXX stated, it is too much paperwork to verify the reporting agency information, wait the 30 days, which will end XX/XX/2020. Furthermore, I was informed the investigation was my responsibility. Therefore, I implied, my investigation stopped when the phone was out of service. Next subject, in the past I have disputed other information, which was supposed to removed in the first six months of 2020, however, every time, I disputed inaccuracies to the reporting companies, the date changes and pushes forward the deletion date further. I inquired and complained to Experian Customer Service attention several times, and the response I receive is, " it is up to the reporting agency, '' my response " in a fair society, Experian is supposed to report the truth, not side with someone who has paid their bills. '' In addition, because I pay for the monthly subscription, I have a copy of all the before and after disputes. For example, I disputed a company four times, and each time the date of deletion has changed with the most recent XX/XX/2020 instead of XX/XX/2020. Experian Customer Service has displayed uncaring professionalism, quoted inaccurate FTC policies, and openly displays racism. For example, I have spoken to XXXX more than one time and her behavior exemplifies my description. Next, with the exception of the one account, I have spoken to the companies, who have stated to remove derogatory accounts from credit report, and Experian has found a way to not honor the companies request, by not doing their jobs, and demanding more information, by bullying the company to not remove this information. Finally, I had one company, who did not take being bullied lightly and in XXXX  2020 removed the derogatory information from my report, however my Experian Credit Score did not increase. Instead, I received other promotions from Experian, which required my banking information. Experian Credit Bureau is dishonest, deceitful, unprofessional, and racist. Therefore, please investigate my descriptions.
Consumer complaint received 2022-05-13
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. (PA)

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. 
Here are a list of those accounts that have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 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 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA violations :

inquires not mine 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 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 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 2023-04-04
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: JPMORGAN CHASE & CO. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. THis is preventing me to purchase a home for my family.
Consumer complaint received 2022-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (CA)

Recently, I discovered that there was a negative credit reported due to a collections agency trying to collect a debt that did not belong to me. I called and spoke with " XXXX XXXX '' at Procollect to inquire about this debt and discovered that it belonged to a person named XXXX XXXX. After stating that my name is not XXXX XXXX, she started getting upset, frustrated, and irate when I asked to speak to someone who could help me dispute this. She demanded that this account be paid and that it did belong to me. She was no help at all. 

I am currently in the process of trying to find housing and it's making it very difficult because of this. I believe this is harassment and abuse by this individual and this company called Procollect. I am not able to get any help and this company has placed a negative report and it's affecting my credit score and ability to find housing. 

Procollect has provided me with the account number XXXX. I also emailed them a police report as identity theft. Please help as this company is being abusive to their consumers.
Consumer complaint received 2022-05-14
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 reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Bankruptcy XXXX  XXXX Dismissed # XXXX Bankruptcy XXXX  XXXX Dismissed # XXXX Bankruptcy XXXX  XXXX Dismissed # XXXX Bankruptcy XXXX  XXXX, XX/XX/2017 Dismissed # XXXX Bankruptcy XXXX  XXXX Dismissed # XXXX 15 U.S.SC 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 permission.
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (UT)

I had a Discover XXXX checking account for 2 years. All of sudden my account was closed without any explanation. I have a balance of over {$10000.00} which they stated they could issue a check for in 60-90 days. Ive tried to resolve the issue by offering to provide any information but its been unsuccessful. They are making feel like I did something wrong when I havent.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX, and XXXX companies both these companies made my credit inquiries on the same day XXXX/XXXX/2016 without my authority. 

XXXX XXXX XXXX also made a credit inquiry on me without my authority.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The account was mistakenly sent to XXXX for outside collection after we had a payment agreement with the original creditor. We called in XXXX to make the final payment only to be told that the account was know longer with them so they were unable to accept our payment. We were told to contact XXXX and make the payment there. We called XXXX immediately at that time and were told that the account had not been transferred to them as of that time and that we would have to wait until they had the account in house before they could accept the payment. It was n't until late XXXX that the account had arrived to XXXX so they could accept payment. On XXXX XXXX XXXX we made the final payment on the account. At that point the account was paid in full, the issue was closed and nothing was ever supposed to report to credit. Now a full year and 2 months later in XXXX of XXXX XXXX is incorrectly reporting a open collection on this same account that has already been paid to all XXXX credit bureaus. I have called them and there response is that they are not and have never reported this account to credit. They state that it is each of the credit bureaus that is reporting this not them. This issue has caused my fico to drop XXXX points creating an extreme hardship for me and has damaged me financially. This is illegal, wrong and the account needs to be deleted from my credit report as soon as possible. All supporting documentation is attached for your review and consideration.
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-13
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX XXXX XXXX XXXX  Department of EducationXXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rent Recovery Solutions (IL)

This creditor ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IN XXXX ) filed a collection ( Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) against me fraudulently claiming that I owe XXXX while they were in ligation with myself over the matter. They also falsely sent this collection to all three credit bureaus even though I replied to the collection letter and disputed the debt and provided court documents supporting the debt isnt owed in fact the creditor is indebted to me for illegially locking me out of my unit breach of lease and discarding all my belongings. The creditor continued to charge rent late fees and other unwarranted items submitted these claims to the collection agency and now is refusing to delete items from credit report and rental solutions, XXXX is refusing to honor court documents sent and continue to verify debt with collector despite court order and keep telling me to obtain a deletion letter from collector after I explained and provided documentaion to support my claims that it was fradulently filed and I dont owe the creditor. On XX/XX/XXXX in XXXX XXXX Small Claims Court XXXX XXXX XXXX XXXX XXXX XXXX case XXXX awarded me XXXX
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (AZ)

On XX/XX/XXXX I disputed XXXX charges from XXXX XXXX because I did not receive any services for which I paid for. 

On XX/XX/XXXX US Bank issued XXXX provisional credits : {$470.00} XXXX {$570.00} XXXX {$360.00} XXXX On XX/XX/XXXX without prior notice being received all XXXX provisional credits were reversed causing my account to be NEGATIVE. 

US Bank in letter ( XXXX ) received on XX/XX/2022 claim that the documents and forms they requested by XX/XX/XXXX had not been received. 

This is UNTRUE the documents were sent via XXXX and a copy of the XXXX receipt showing XXXX pages were received and date stamped on XX/XX/2022. 

Since XX/XX/2022 my account is in the negative and has crippled my business and I can not get anyone at Cardmember services to call me back. Everytime I call I get a different answer as of today I was told it may take 10 days for a case worker to review my claims again and get back in touch.
Consumer complaint received 2023-04-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (FL)

From the statr i was tricked into co-signing a car loan for a relative. I was told in 6 months i was going to be able to remove myself off the loan. I called Westlake Financing company and they told me i can not remove myself and that i wasn't a co-signer, i was actually the buyer. They do not have the signed paper work of my relative. Fast forward, the car got repoed so now im the one responsible and its hurting my credit, I told them and even have proof that the car was for a relative, I hava the bank statements showing that relative was the one making payments. The address they repoed the car car is proven to be that relative address, NOT MINE. So Westlake Financing Company sued me for the remaining balance of {$5500.00}. I have to make monthly payments towards the balance. I was informed they will reopen the account and report the payments to the credit bureaus. Westlake still hasn't open the account and hasn't reported the payments. I've called numberous time and has been transfered to different representative and given different numbers to call and no one seems to be able fix the issue or help me. This account is making a negative impact to my credit report and it does not even belongs to me.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA violations : accounts not mine XXXX  XXXX  Dispute not available EFX Help mark icon Whats this? 
View account details Account owner XXXXndividual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX  XXXX Date assigned XX/XX/XXXX XXXX XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX  Date assigned XX/XX/XXXX FINGERHUT/WEBBANK : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX TEXAS XXXX EMPLOYEES : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months 22 days XXXX FCRA violations : payments never late TEXAS XXXX EMPLOYEES : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX days XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX, XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (IL)

Hello, I called in a complaint to your XXXX phone number last week but I have not heard back from anyone yet. Below is the email that my former employer sent out to a past client of mine even though I resigned from Guaranteed Rate XX/XX/2021. They are still advertising by illegally using my name, email, & XXXX. I have had several clients alert me that they have received similar emails to the one below and how can this be compliant when I have not worked there for over XXXX? Please call me at XXXX so we can get to stop. I previously worked at XXXX XXXX who was purchased by GR and I have several former co workers that this is also occurring with their name, email, & NMLS too.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (PA)

On XX/XX/XXXX I paid discover {$300.00} and they accepted it from my XXXX bank account which reflected by them reducing the month of XXXX down to {$140.00}. Now when I am looking ; the payment increased as well as the amount I still owe on the card is the same and never decreased by {$300.00}. I called them numerous times trying to work out the lower payment which they refused to do without giving me any answers. They took my {$300.00} and never reflected that on my credit report. All I want it to be reduced down to {$140.00} for XX/XX/2022 and my credit report to reflect this.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo Bank closed my account and didn't let me know on XXXX. There was XXXX $ still in the account and numerous unauthorized transactions, which I disputed, and was informed by e-mail through Wells Fargo that they were being put back into my account. They won't let me back into the account to find a exact amount, it's around XXXX to XXXX XXXX I have contacted them XXXX times by phone and e-mail and I still don't have my money. I want my money.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, I attempted to contact Best Buy through a store, customer service, creditor 's accounts and through corporate headquarters. I also contacted CitiBank corporate, creditors number and a local branch. No one was available to help me resolve the situation. I have a fraudulent claim by Best Buy and CitiBank. I have been cited twice under the same account which has drastically hurt my credit score. I had an account closed by Best Buy without my knowledge. The status of this account is incorrect. Additionally, therefore the creditor is reporting it wrong.