davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate properly and remove them from my personal credit file. These are the following items : XXXX Revels ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX Ct, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Unpaid Balance {$2200.00} ; XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX R XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX Ct, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX  XX/XX/2023.
Consumer complaint received 2022-11-30
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. (OH)

ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX ACCOUNT TYPE : COLLECTION  DATE XXXX XXXX BALANCE XXXX ORIGINAL CREDITOR : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX Disputed this Account and the debt wasnt validated or corrected. I never gave them permission to furnish any information about any alleged transactions which is invasion of privacy pursuant to 15 usc 6802, Also I never received the reinvestigation details to confirm investigation. I never received any agreement with my signature saying I agree to this debt. And see 15 U.S. Code 1666b - Timing of payments which shows direct violations of my rights Also I am aware thats I am the consumer original creditor and my credit card ( social security card/certificate of indebtedness was used and Im aware that canceled debt would be reported on a Form 1099-C as it is considered income and might be taxable so how can it be a debt. See 15 usc1681EB where it prescribes maximum accuracy on consumer reports which is proof of violations. Their are laws which protect me the consumer and penalties for violations 42 U.S. Code 408 - Penalties which is another violation by falsely misleading and representing and attempting to assign collect or enforce an in fact frivolous fraudulent and false debt which is a obligation of the United States pursuant to 31 U.S. Code 3123 and also see 18 usc 8. Also article 1 section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility so what would be my options to repay this alleged debt?
Consumer complaint received 2021-08-25
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. (GA)

I have sent several disputes to Equifax on this issue of fraudulent accounts as well as the creditor the accounts are listed below all are fraudulent accounts reporting on my Equifax account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3100.00} XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$680.00}
Consumer complaint received 2023-08-16
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # 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. This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deleted due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (AL)

In XXXX, I became legal conservator for my Mother. She had a credit card account with Wells Fargo that I quickly paid off and with the final payment, directed them to close the account. Fast forward til now, they have not closed the account. I received a statement in XXXX with a fraudulent charge. I called them on XXXX to report the fraudulent charge and told them the account was supposed to be closed. I later received a text message that I had not paid the bill. Then, another statement with the fraudulent charge and a penalty for late payment. I called them again on XXXX. They told me they could do nothing because I wasnt on the account. They want to add me to the accountI have concerns about my liability if added to the account which should have been closed in XXXX
Consumer complaint received 2022-11-30
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)

I previously submitted a complaint against Experian under case number XXXX. I do not feel Experian takes my fraud complaint seriously as I feel the response received was simply brushing off the issue to state the inquiries were accurate. I would like to inquire what method was done to verify the authenticity of the inquiries. I have submitted a fraud report advising I have been a victim of fraud and did not authorize, given permission and/or consent to access my credit for the purposes of obtaining credit. If Experian believes these inquiries are valid, I am demanding signed documentation with my signature listed. If Experian can not provide this information I am demanding immediate deletion of these erroneous inquiries. If these errors are not corrected by way of deletion I will not hesitate to take legal action to which I will demand damages of {$1000.00} per erroneous inquiry. I have listed the inquiries in question below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-09
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: Kikoff Inc. (FL)

In XXXX of 2022 I began receiving billing statements via email to my non business email address from a company called Kikoff. I researched and found out they are a credit boosting company and they claimed I owed them a balance of {$10.00}. I believed this to be an error but the service looked interesting and so I tried to contact them to get customer service or resolve the outstanding bill. On trying to contact them I found that it is impossible to do so as they have no customer service number. I considered that i may have auto-filled information and may have forgotten and perhaps that is how they obtained my information. I tried to log into an account they said I opened but I could not as no password I would ever use worked. I became more suspicious and I emailed the company explaining my situation. Eventually they emailed back and XXXX flagged the response as a suspicious email. At this point it became evident to me that I was dealing with a fraudulent and possibly fictitious company. I disregarded the emails as spam that was fishing for my personal information. Every month after I kept receiving an email bill of {$10.00} per month. Eventually XXXX credit monitoring contacted me and reported that kikoff flagged my credit and that is when I realized that they had access to my personal information including my social. Those had an extremely negative affect on my credit, dropping my score over 100 points for a {$30.00} balance. I wrote the company again threatening legal action and I've received nothing but patronizing responses from their " support '' team. I disputed the claim through XXXX and my dispute was refused. I am extremely frustrated and my life has come to a halt as the timing of this situation is just as I was intended to leverage my credit for a large purchase. Please advise. Thank you. 

I have currently filed a police report in XXXX XXXX, Florida case # XXXX
Consumer complaint received 2021-07-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have sent in letters regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

XXXX XXXX loan # XXXX with AmeriHome Mortgage my payment is due on the XXXX of XXXX, like every other month ive payed my payment by phone, this last month I was admitted into a detox and recovery facility out of XXXX Ca for a stay of 30-45 days. 
during this time I have made several attempts to make my payment through my Bof A edd account and for some reason or another even though the money is in my account once the payment leaves the bank with XXXX  XXXX XXXX which it shows my mortgage company amerihome returns my payment for one reason or another and at this current time has started to send my late noticed with a late fee added to my account as delinquent. as in good faith I've notified the mortgage company by letter head asking them and notifying them of my current situation if there is anything possible that can be done to reassure me of my hardship. 
i have every intention of paying my payment and carrying on my responsibility as a borrower and have every intention and well to do whatever it takes to get this right before it affects my credit as a borrower. 

thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ca XXXX
Consumer complaint received 2022-10-09
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: Experian Information Solutions Inc. (NH)

On XX/XX/XXXX dispute notice to all 3-credit reporting Experian has been refusing me my credit report. my last report from them was XX/XX/XXXX report # XXXX. On XX/XX/XXXX another letter to Experian requesting dispute and a updated letter by mail or email never got nothing.XXXX XX/XX/XXXX i sent XXXX a dispute letter requesting a copy of my credit report. sent certified mail signature with a copy of my ID and ss card dispute # XXXX. i then submitted report to the CFPB complaint # XXXX. ( Nothing done ) on XXXX received any update or credit report. on XX/XX/XXXX i again requested a copy of my credit report neglecting to remove and delete items of my report requesting a update never got it. today XX/XX/XXXX and XXXX still has disregarded ALL dispute. old acct on their i requested for Experian to remove address due to ex-husband trying to harm my family i think they moved my address to employment report # XXXX ' named my son XXXX as my spouse. XXXX has also failed to correct I do not receive SSDI i receive SSI. Experian has failed to update total balance credit summary. disregarded letters of deletion via XXXX XXXX XXXX XXXX  XXXX XXXX XXXX letter of deletio by doing this XXXX has been sabotaging my credit score affecting the lives of myself and XXXX grandsons I XXXX. case created XX/XX/XXXX case # XXXX Eperian
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

To whomever it may concern, Extreme negligence in regard to handling my checking account on the part of Chase Bank has led to excessive junk fees from multiple credit card and banking institutions, considerable emotional distress, and lack of access to my funds. In XXXX, I merely sent a secure message on Chase Bank inquiring about the potential of closing my checking account, as I've had many problems with Chase this year. The representative responds by saying " The account will close when there are no pending transactions and there is a XXXX balance, '' despite never having actually given the go-ahead to close the account. As such, I first attempted to use my money to make credit card payments. These did not go through, despite funds being available, resulting in inordinate fees. I then attempted to merely transfer my money to my other checking accounts. These transactions also failed for no valid reason, as the funds were available. Then, on XX/XX/XXXX, Chase had the audacity to charge yet another {$12.00} junk fee for the account " monthly service fee, '' despite claiming that the account was closed and holding my funds hostage. This incompetence has cost me hundreds of dollars in junk fees for situations well beyond my control for payments on accounts in good standing that were just making an extra payment. I expect Chase Bank to refund all of these fees and either pay the fees incurred on other cards due to their clear administrative error on their end, contact my other banks and have them removed, or reimburse me for the costs. The statement and scheduled transferred dates attached to this complaint demonstrate that sufficient funds were available each time Chase denied a payment of transfer that resulting in a junk fee from a banking institution.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Was advised to dispute transaction when it was beyond the XXXX. Then I was mislead, given a large credit, and then charged back more than the original disputed amount by the credit card company! CapitalOne charged me back over {$9000.00} in error and then argued with me about it. CapitalOne finally admitted they made an accounting error but I continued to wait for the credit for over two weeks and a report was made to the credit agencies thus lowering my credit score! CapitalOne XXXX has the XXXX customer service department and practices I have ever experienced!
Consumer complaint received 2023-07-15
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)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-23
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: American Credit Acceptance, LLC (TX)

XXXX 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. There shouldn't be any payments or late payment reporting on my report 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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. 15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act XXXX XXXX, has violated my rights a. 15 U.s.c 1681 section 602 A. States I have the right to privacy b. 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 instructions
Consumer complaint received 2024-11-18
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: MOHELA (DC)

I was never given and opt out disclosure form to opt out of non affiliated third parties. According to my understanding of the Gramm-Leach-Bliley Act, I am entitled to receive an opt-out disclosure form, which would provide me the choice to restrict the sharing of my personal financial information. Mohela Student Loan Services did not furnish me with this mandatory disclosure, and as such, I did not have the opportunity to exercise my right to opt out of certain data sharing practices.

This failure to provide an opt-out option constitutes a violation of my rights under the Gramm-Leach-Bliley Act. Therefore, I am requesting the immediate removal of all entries related to Mohela Student Loan Services and Missouri Educational Loan from my credit report, as this information was obtained and shared in an improper manner. This company has received documents and still has yet to removed I have attached picture of tracking number to the XXXX has received.