davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ) ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Consumer complaint received 2022-08-05
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. (TX)

The following inquiries were reported and need to be removed. I have no knowledge of these inquiry dates or the inquiries. 

Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed twice same day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-07-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (GA)

What I now know was a scammer paid off my credit card then forced me to make a XXXX Cash advance on my Credit Card & send it to an account. I contacted the credit card company multiple times they said that the cash advance had cleared & everything was fine. It was n't .... the day after I made the deposit into the account that they forced the deposit bounced. I contacted the credit card company with account # money even the bank account # the money went into & they said that the card company could contact them & get the money back cause account was still active. At first they said no problem they would work in out & requested I file police report & credited my account then they later denied my claim. I filed the police report & done everything they requested. They send me replacement cards, Now that they denied the claim the account is over the limit. Please have them Double check Exact amount on Cash withdraw. It was maximum allowed.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. ()

Equifax is billing me every month for their services but its been a while since I have no more access on my account. I go on the site to recover it and it says that I dont have an account ( not what my bank account says but ok ) I try to make a new account and it says that I already have one.. Never got an answer from someone on the phone. They just take my money for years and I have no service. Straight up robbery. The second I can get out of there I will and never come back. It supposed to be a place where you can monitor your activity, but you cant and they take your money.
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (DC)

I am attaching the Original document from XXXX XXXX and XXXX which provides direct evidence that I was not in Foreclosure when Americas Servicing Company received my loan from XXXX. I was illegally placed in Foreclosure during the Housing Crisis and the issue was NOT RESOLVED PROPERLY BY WELLS FARGO HOME MORTGAGE.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NV)

XXXX had a card since they 1st. formed a partnership w/Costco back in XXXX. We had 2 cards w/Citi-BK since there partnership w/ Costco. We closed our business & now they won't issue us a non business card. The reason is that we don't have history with any credit bureau in our names. We tried to tell them that we had business account with Citi since XXXX. They won't listen. They had to close our business account because of IRS Regulations. I checked w/ IRS & there is no such requirement. 
Here is our card information : XXXX XXXX. Card # XXXX XXXX XXXX XXXX XXXX XXXX. Card # XXXX XXXX XXXX XXXX. When I asked for an increase of $ XXXX & told them that we had closed our business & we are going to travel for a while. That is when the girl close the account. We have tried several times to re-establish our relationship w/Citi. No luck. Please help us. 
Sincerely : XXXX & XXXX XXXX
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

XXXX issued to me an IRS XXXX form for cancellation of debt, yet they continue to report to the credit bureaus that I owe a balance. I have filed a dispute with the credit bureaus, but XXXX continues to report incorrectly.
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I have written and contacted Equifax so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (GA)

These accounts are continuing to report on my credit report as a charged off account, which is now considered as taxable income per the IRS and income can not be reported on a credit report. A 1099c should have been sent out, but I never received it, which is considered as tax invasion.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions (TX)

I hope this message finds you well. I am writing to express my concern and submit a complaint to RENT RECOVERY SOLUTI regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, RENT RECOVERY SOLUTI will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (CA)

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to US BANK. In my credit report from XX/XX/2024, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX XXXX XXXX defrauded {$15000.00} from me and did the same thing to many other people. He promised me a low risk investment with a high return every month. He stated I would get $ XXXX per month. He lied. I asked him for my money back and he refused to give it back. I filled a complaint with the FBI, FTC, SEC and asked Chase Bank to recover the funds back to my account. Chase Bank has not responded or take any action.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (GA)

Paypal permanently limited my account and never told me why. They said I violated the user agreement, but nothing I did could ever be construed as violating anything in their agreement. At no point have they told me what I did, or why my account was restricted. All I want to do is close my account, but they tell me that I have to wait six months before I can get my money. This should be illegal. I have had no opportunity to dispute what I was accused of because they never told me what I did. How can a company legally steal my money for six months without telling my why. I did nothing wrong and paypal stole my money. They owe me {$620.00} dollars that I deposited and they refuse to give me my money for no reason whatsoever. That is called stealing.
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I wante to pay on mywasher and dryer, i was told that my acct, was closed i ask why then i was told that i had filed chapter XXXX, I said know way i 've never filed chapter XXXX in my life. What should i do about this? So i do n't know wh did this. It was'nt me.
Consumer complaint received 2023-12-02
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I contacted Synchrony Bank about fraudulent charges that showed up on my XXXX 's card. i called their dispute line and disputed them. They refused to work with me, saying i benefitted from the purchase. I called them several times and spoke with different reps, disputing the charges and they have still refused to remove the charges. They have also put XXXX, XXXX, and 90 days late on my credit reports, causing my score to decrease.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian has a address I never stayed at which is XXXX XXXX XXXX XXXX XXXX XXXX I sent in my Identification and a mail an its still not updated also they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called multiple times and its not correct my address is XXXX XXXX XXXX XXXX XXXX XXXX I cant get my XXXX scores updated because of this
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NJ)

I ENTERED INTO AN AGREEMENT WITH XXXX THAT I WOULD PAY MONTHLY ON AUTO PAY AND THEY WOULD NOT REPORT ME AS A CHARGE OFF ; IN ADDITION THIS ACCOUNT IS OVER THE 6 YEAR STATUTE OF LIMITATION FOR NEW JERSEY. THIS COMPANY REFUSES TO GIVE ME A SIGNED CONSENT, AGREEMENT, PURCHASE AGREEMENT, RECORDED CONVERSATIONS AGREEING TO THESE TERMS. THEY ARE REPORTING ME AS A CHARGE OFF ; I DID NOT AGREE TO THIS. IF THEY DO NOT CORRECT THIS I WILL END ALL REMAINING PAYMENTS AND XXXX XXXX, THE CREDIT REPORTING AGENCIES FOR NOT REMOVING THE ACCOUNT AFTER THE 6 YEAR STATUTE OF LIMITATIONS. XXXX HAS DESTROYED MY CREDIT RATING. THEY ARE ALSO REPORTING THIS AS CLOSED BY XXXX XXXX.
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$130.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc (TX)

Affirm is reporting an allege debt to XXXX I do not owe. The debt has been canceled and now concerned income which can not be reported to the credit bureaus.

A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.

( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card.

( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same
extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Consumer complaint received 2021-08-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I have home equity line, originally from XXXX XXXX XXXX, acquired by Specialized Loan Servicing account # XXXX. I have XXXX balance. 

I have tried -- 5 times now -- three via phone, one in email, and on with their online system to close this account so that I can proceed with refinancing. They respond consistently that I need to pay off the account, or request a payoff quote, which I have -- which is {$0.00}.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached two accounts that are reporting incorrect information on my credit bureaus, per the FCRA they have to report accurate information which they are not. Please delete these two accounts from my credit bureau.
Consumer complaint received 2024-01-07
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (FL)

I keep getting a text message from TrueAccord a debt collector tell me to click the link to view my account information which I never click link that could be a published scam website or a site that could upload a virus on your device and damage it I have reply STOP and I am still receiving the same text message after i hit stop and then they called me and I didn't answer I let it to my voicemail box I hit play on my voicemail box to see what the message was and they say they are a IRS debit collector agent and threatening me say i owed them money or they are going to send a IRS XXXX to my house and arrest me.
Consumer complaint received 2022-08-05
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. (NY)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

On XX/XX/XXXX, MOHELA sent me a letter stating that I was required to recertify my income based repayment or my payment would jump to over {$2000.00} a month beginning in XX/XX/XXXX. I recertified my employment based on the information they provided in the XX/XX/XXXXXXXX  letter, and they recalculated my payment. The letter they sent me dated XX/XX/XXXX, states at the bottom that I was not required to recertify my income for my XXXX  if it fell within 6 months of the payment restart date, which occurred on XX/XX/XXXX, so any recertification required on or before XX/XX/XXXX, would be pushed out a year. MOHELA failed to include that last part in the XX/XX/XXXXXXXX  letter. Thus, I feel MOHELA forced me to recertify my income for my XXXX when it was not required, and the result is my payment is now {$390.00} instead of {$310.00}, which is a difference of {$940.00} a year. I am trying to get MOHELA and the Department of Education to reset my payment to {$310.00} since I feel I was defrauded my MOHELA and scammed into recertifying my income, which I was not required to do at the time they sent the XX/XX/XXXX, letter, and this resulted in a higher monthly payment. Communication with MOHELA is taking weeks to get a response, so I have no idea if or when they will resolve this and that is why I am filing this complaint. The letter sent to me by MOHELA are attached.