davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

shared credit report without consent, non response from credit bureau to verify information on credit reports, disseminating proprietary and confidential information, undue enrichment at credit holders expense, cease and desist usage of my social security number of the holder in due course, resulting in identity theft, cease and desist usage and i will provide a more secure account and number that is attached to Internal Revenue Service, Accounts needing to be Physically Verified - Fair Credit Reporting Act - Section 609 ( a ) ( 1 ) ( A ). Compensation And Authorization by me, the Account Holder in due course. Verification is required before reponding to businesses with motives unknown who are for the most part curious and " nosey '', otherwise, Anyone paying for a report to a credit bureau could fax, mail, or email in a fraudulent account. 
I amd demanding to see verifiable proof ( an original consumer contract with my signature on all filed accounts
Consumer complaint received 2022-06-09
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX  XXXX  ; XXXX XXXX ; XXXX XXXX XXXX and XXXX have 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. Also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-09
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: ENCORE CAPITAL GROUP INC. (FL)

I sent an Affidavit of Truth and an Invoice to Midland Credit Management, here is the tracking # XXXX, XXXX XXXX XXXX tracking number # XXXX and XXXX XXXX XXXX , LLC They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (DC)

XXXX XXXX issues a credit card in collaboration with XXXX that claims no interest on purchases of XXXX products. I have previously used the card successfully. Recently purchased an XXXX computer and paid balance on time in 3 installments. XXXX XXXX charged interest nonetheless. I objected but they insisted that original payment terms did not apply.
Consumer complaint received 2022-08-23
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. (VA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I have a fraud alert on my reports, with the WRONG phone number, I have contacted the burials sever times, Please you guys update my info and you also have incorrect job history please remove it and put the correct info and phone number. I see why i have so much fraud because you guys have a wrong number I been trying to change it for 9 months XXXX XXXX XXXX XXXX Cell phone Work ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 22 years as a XXXX XXXX XXXX XXXX at XXXX XXXX
Consumer complaint received 2022-07-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX acct # XXXX and AXXXX 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.
Consumer complaint received 2019-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

I called and authorized my retirement account holder, TIAA, to transfer {$7000.00} from my bank 's checking account into my IRA. Instead, they transferred {$14000.00}, which is not allowed. They have screwed up and want to send me a check in the mail for the amount, but can't tell me how long it will take. This is unacceptable. Why would they take twice the amount I asked that is obviously over the allowed amount? Something is very wrong with this company
Consumer complaint received 2022-04-25
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. (FL)

Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : Child support enforcement Inquires : XXXX 's XXXXXXXX XXXX Account XXXXChild support As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XXXX XX/XX/1991
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I have continuously begged Wells Fargo to remove me from their call list. I'm traumatized by the incessant harassment by Wells Fargo. They call me for no apparent reason. I advised them that unless I'm late on a payment or something dire has happened with my account, they shouldn't call me. I'm XXXX and their employees call me to provide me with no information. I was called by an agent to ask if I signed my loan docs, and then realized I had. It wasn't even past the deadline. They haven't updated my payments and I noticed some irregularities on my statement. There are large payment reversals on XX/XX/21. Wells Fargo systematically targets vulnerable populations and they continuously unnecessarily harass me. If they don't resolve this once and for all, I'm hiring an attorney!
Consumer complaint received 2021-06-09
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)

NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX and 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. States a consumer reporting agency can not furnish a account without my my written instructions.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (CT)

XXXX XXXX  has reported an account on my report 2 times through two different collection services. Both are reporting same account, same amounts on my credit, each month they re report these accounts as new. this one account was acquired in XXXX, they have the account opened through Enhanced Recovery CoL on XX/XX/XXXX and again through XXXX XXXX sv saying it was opened on XX/XX/XXXX. This account from XXXX XXXX was settled prior to this continue reporting in XXXX, I purchased my new home in XX/XX/XXXX, and prior to credit approval I paid XXXX XXXX  and had the XXXX removed. After I moved into my home the collection servicing company put this back onto my report on XX/XX/XXXX. and then it went to a new collection servicing company and was reported again. I can not find the receipt of my payment in XXXX, moving things got lost in the process. I do not owe either of these, but if I need to keep it on my report, then one of the reporting agencies needs to be removed. And they need to stop re reporting it as new.
Consumer complaint received 2022-10-24
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letterverification. I have talked to the banks and they agreed to repair and correct the accounts. Why don't actually research my account history this time and see the errors yourselves? Please update and correct my accounts right away XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have been disputing since last year. According to my XXXX report, no data was available From XX/XX/2021 until XX/XX/2021. A collection was reported in XX/XX/2021, and then no report in XX/XX/2021. I do not own this account.
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

i went to the XXXX dealer ship to get a car but they went crazy on checking my credit report all hard inquiries after everything they say no to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NC)

I contact affirm about this debt everything time i call they are trying to update my inform to the profile. they cant pull an account up with my social or dob. i was able to get the truth in lending documents and neither was my signature or info was on documents. nor could they verify the card that was use for the down payment and the card wasnt mine.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below is the account in question : XXXXXXXX XXXX  XXXX Balance Owed : {$76.00}
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

Before I opened my Discover credit card, I was promised that I wont be liable for any unauthorized transaction. 
In XX/XX/2022, I filed a dispute on a fraudulent transaction on my account. 
Dicover first credited my account with {$2500.00}. Within a week, it reversed the credit without any explanation nor giving me a chance to review and appeal, and consider it final solution.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (GA)

I have an account with Macy 's that is XXXX balance. I received an email today that said I had a statement. I called Macy 's and told them that I could not get into my account and that I do not owe Macy 's any money and why I was receiving an email statement. I was transferred to the Citi Bank Recovery Unit, which said I had a balance, but they could not discuss it with me since I could not give the date that my account was opened. I opened my email and gave them my account number and that I have a XXXX balance. They refused to speak with me regarding my account. I called Macy 's again to complain, and they said that I had to talk to Citi Bank 's internal recovery unit regarding my account. I told them that I wanted to file a complaint, but I was told that I had to resolve it with them. Then I was transferred to XXXX, who said he was checking my account. He stated that I owed {$1500.00}. I asked him where these charges stemmed from, and he said that he could not give me that information but that I should fax a letter to them stating that I do not owe any money and that they would take thirty ( 30 ) days to investigate. I am XXXX XXXX XXXX XXXX XXXX survivor, and I currently have lupus. I do not owe Macy 's a dime. I had to contact CFPB about paying off this couch I paid in full to avoid paying the interest, which was {$1500.00}. Macy 's accepted the payment, and there was never any information sent to me regarding the interest. I only found out about this today, and I am sick that they can do this, and this is happening to me when I had no idea what they were even talking about. The account number I listed is for my regular credit card which has a XXXX balance and a {$5500.00} credit limit. I do not have the furniture account number that this complaint is about. 
Thank you for helping me this information should be in a file from Macy 's before.
Consumer complaint received 2022-08-23
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. (VA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-23
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. (NC)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable hard inquires which Equifax, XXXX and didn't make sure it was reporting 100 % correct. I called many many times and told both companies and no changes hasnt change. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (OH)

My monthly loan payment was made on time via XXXX XXXX automatic electronic bill pay. See attached proof of payment. Payment was then returned by LoanDepot with absolutely no explanation. Customer service was completely useless and routed my calls to a collection department who were unable to answer any questions as to why my payment was returned. Late fees were assessed as well as false credit reporting for non-payment. Customer service was contacted multiple times and were completely useless, unable to provide any information as to why my payment was returned, wasting a few hours of my time over multiple attempts to communicate with them.
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Own Up Holdings, Inc. (TX)

I was approved by own up for a loan. They are the middleman for other lenders. I submitted all my documentation, got the quotes that i Qualify for, I sent them the purchase agreement so that I can get alone estimate, they're refusing to give me a loan estimate without me locking me In Is end submitting a payment. I told them that that's illegal And they are obligated to give me my loan estimate. I've given all my documentation, I already got the approval, and now they're Withholding the loan estimate from me unless I pay and lock it with them 1st.
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

Today, XX/XX/2020 I needed to withdraw funds from Wells Fargo in XXXX XXXX, New Jersey. 

All branches in my area are closed other than ATM 's. There is one branch with drive up service available and I was told that I can not use that service as a walk up. I must have a vehicle that would enable me to then step out of said vehicle to do said banking that I was doing just sans vehicle. 

The only two branches are ones not in my area and are accessible again by car that I do not have but would have to hire or via public transportation. Both ways put me at risk and in turn are not safe for a XXXX year old woman to do. I have no family nor support system and must access cash to pay for essentials and do my business as I prefer that to using a card. The Covid virus has a very short life on paper and in turn I can just leave change for tips and the rest and reduce fraud with my card being listed on numerous sites, etc. 

Why I can not walk up and have a dedicated lane for pedestrians is beyond my understanding as if I was in a car and saw a person standing there why would I drive into them? How absurd and how disturbing that I can not get my money handled without having to get a car to do so. So I have to buy a car to do banking.. if you think I would let a taxi driver or hire car take me a single old lady to do my banking with cash you have got to be kidding me. 

I have the right to access my funds and distributed to me in the denominations I need and not have to go out of my way to do so and in turn put myself at risk.
Consumer complaint received 2022-06-09
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. (MO)

I HAVE SUBMITTED A DISPUTE 3 TIMES ALREADY WITH ALL THREE CREDIT BUREAUS AND ONLY ONE BUREAU REMOVED THIS BANKRUPTCY FROM MY CREDIT FILE. I ASKED FOR PROOF OF HOW THEY VERIFIED THIS INFORMATION AND STILL NOTHING. THESE CREDIT BUREAUS ARE NOT PROPERLY DOING THEIR JOB. I HAVE SENT ALL SUPPORTING DOCS TO THESE BUREAUS.