davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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. (PA)

This is a complaint against timeshare XXXX XXXX. I can't remember the names of their employees I spoke with but all of them claimed to be something other than a salesperson and that they're not working on commission. They told me I can definitely make money from this timeshare by either renting it out and/or resale because according to them, the resale value would go up. They also said it had some tax benefits similar to owning a second home. They offered us gifts such as {$200.00} credit card, trips, etc. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. Everything felt rushed because they didn't even allow us time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. We experienced financial difficulty caused by this timeshare, earnings lost and inability to keep up payments based on our income. They repeatedly calling us for payments, I even lose sleep over the stress of the timeshare. I'm old, I'm already at my XXXX 's and already have some medical conditions and having this timeshare only makes it worse, it doesn't even help me relieve stress at all. We felt like our age we're taken advantage of. They lied about maintenance fee, they lied saying we can resell and other sales tactics. As old people, we felt like we were taken advantage of, they used our age to defraud us.
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help
Consumer complaint received 2022-04-05
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: LAKEVIEW LOAN SERVICING, LLC (IN)

I got a letter from Lakeview Loan Servicing that my account information was hacked when their servers had a breach. I am so tired of these places thinking they can offer you 1 year of credit monitoring just like XXXX! 

When I called them to complain about it I get put on hold and no one comes back to the phone. They had a data breach in XX/XX/2021 through XXXX XXXX XXXX  and I just now get a letter stating my information was stolen. 

This free credit monitoring is not sufficient! Their failure to have a secure location so that our information can not be breached. I was informed they have all my information and full social security. This kind of behavior can not be tolerated and allowed to toss you a year of free credit monitoring!
Consumer complaint received 2022-03-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I received a card from Bank of America that I did not apply for I shredded the unwanted card the same day I received it I checked my XXXX XXXX Credit Report and it shows XXXX accounts with Bank of America XXXX with a balance of XXXX and a credit line of XXXX and another with a XXXX balance I have never used these accounts
Consumer complaint received 2022-03-31
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX 
Last reported XX/XX/2022 1. This a medical billing issue 2. Account was deleted following dispute ( via CFPB ) 3. Account reinserted ( added back ) after deletion 4. I DID NOT receive prior written notice of reinstated on my credit file 5. Under the Fair Credit Reporting Act ( FCRA ) the reinstatement without written notice within 4 days of reinstatement is a violation of the law ( i.e., illegal )
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

I spoke to representative XXXX I believe was her name and she lied to me about Barclays sending me a letter last month of my credit decrease. She did not listen to my question and frustration that my credit was decrease almost a year ago before then transition of banana republic synchrony to Barclays. She seems very Sarcastic when I asked her about policy time frames of when does the bank realse the letter and just told me to call a different number. I was an associate banker at chase and I know this is not tolerable service not only it was rude but it was also the fact she lied.
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (WY)

I was told that my bonus would be placed on there on XXXX separate occasions. I called on XX/XX/XXXX and XX/XX/XXXX and both times was told its on there and to wait XXXX weeks and its been more than XXXX weeks and nothing. I called again on XX/XX/XXXX and was told I am not eligible for any offer. I was told when I signed up my bonus would be XXXX bonus points after spending XXXX dollars in the first 3 months. I hit this milestone and then I was told to wait and it would be awarded and it wasnt and then I was told it wouldnt be awarded and wasnt a promotion for this card. I have the Southwest rapid rewards plus credit card.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

This is the 5th time I have reached out about these inquries I also went on XXXX  website and uploaded my report stating these inquiries need to be removed and 4 months it still isnt corrected
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
- XXXX XXXX XXXX - XXXX XXXX XXXX/ duplicate account - MXXXX XXXX XXXX  - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely,
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP (CT)

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 a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2022-03-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have written several disputes to XXXX, XXXX XXXX and the 3 credit bureaus regarding some lates they reported on my credit. I requested deferments with the creditors and they agreed and said they would not report me late. These all occurred during Covid when I was affected by the pandemic. I am asking due to the Cares act that you please help assist me with getting the creditors or bureaus to remove the lates they reported that have caused my scores to drop over 100 points.
Consumer complaint received 2022-03-31
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)

I Consumer, XXXX XXXX submitted the attached disputes to Equifax on XXXX XX/XX/2022. 
Upon review of my right and reports I submitted a dispute to Equifax requesting the listed accounts on my consumer report be removed in accordance with 15 USC 1681a ( 2 ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report. 

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided.

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out. 

There is no law that states that anything has to be reported on my consumer report but there are multiple that state that I have a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information.
Consumer complaint received 2022-04-23
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: AMCOL Systems, Inc. (OK)

I have received a letter from amcol system Inc about the amount I owed at XXXX XXXX XXXX XXXX and I do not complaint, I just want to let you know that I already sent a money gram # XXXX for the amount {$50.00} on XX/XX/2022.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a loan with XXXX, one of two that were not consolidated. I have been on a XXXX for several years. in 2019, XXXX closed one account as a charge off. Now each year they re-report the same account as charge off and closed with a new close date. This will never drop off my credit if they keep this up. I have tried to dispute it with the reporting agency, and with XXXX and have gotten no where. This loan is over 16 years old.
Consumer complaint received 2022-04-21
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 XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX 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 my account without written instructions.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I sent a a second letter and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Consumer complaint received 2022-03-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (MD)

When I first applied for the private student loan back in 2011, it was supposed to be a 4 year fixed interest loan for {$4000.00}. From XXXX the loan 's interest rate fluctuated every month and even though myself and my mother made monthly payments ( more than the minimum and paid on the interest while it was in forbearance while attending school ) on the loan, it continued to increase. Now I owe more than what the loan was taken out for which is currently {$4600.00}. The loan was sold to XXXX XXXX and I have had to put it in forbearance several times because I can not make the payments. I am XXXX XXXX XXXX  and I need this loan to be taken care of immediately. Wells Fargo took advantage of students needing personal loans to attend school and now most of us are in debt because of these companies and their fluctuating interest rates.
Consumer complaint received 2022-03-31
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-03-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

In XX/XX/XXXX, I entered into a lease with XXXX XXXX regarding a new vehicle. The terms of the lease were for 39 months. I paid the lease off completely and returned the vehicle to XXXX XXXX XXXX and XXXX Pennsylvania in XX/XX/XXXX. I talked to the sales XXXX at XXXX XXXX XXXX and told him that I was turning in a leased vehicle. He went out and he looked at the vehicle and said the vehicle was in excellent shape. I asked him if I needed paperwork to that affect. He stated that I did not need any paperwork and I was " good to go. '' The vehicle was in perfect condition when it was turned in and that was acknowledged by the dealership. Months later XXXX XXXX claimed the auto was damaged. I told XXXX financial that that was not the case, and the vehicles was turned in in perfect condition. It was at that time the XXXX XXXX try to get {$2600.00} from me. I told them that I did not any money and they would not give me any information regarding the " damages '' to the vehicle. 

In XX/XX/XXXX I attempted to get a line of credit for XXXX of my businesses and was turned down with my bank, XXXX XXXX Bank XXXX Pennsylvania, because of a poor credit rating. I obtained my credit report and it showed that XXXX XXXX charged off my account in XX/XX/XXXX. 

I sent dispute letters to all XXXX credit reporting agencies and experience we returned back that the company reported information was accurate. XXXX did no further investigation and did not receive any information or my side of the story. The other XXXX reporting agencies never responded. 

I obtained my credit report from Experian and it shows the charge-off of XX/XX/XXXX. I attempted to call XXXX XXXX XXXX to find out information regarding this charge-off and I was told that they do not give out invoices and they will not submit any information regarding why they charged off this vehicle, considering that the vehicle was completely paid as per the terms.I contacted XXXX Motors this week and received a letter regarding this account and was advised that I owe {$2600.00}. XXXX XXXX XXXX financial would not give me a detailed itemized list of these charges. This vehicle was in perfect condition when I turned this vehicle into XXXX XXXX XXXX. In addition there was no litigation ever filed against me from XXXX XXXX financial for the {$2600.00}. 

The XXXX credit bureaus did not do their due diligence to actually truly investigate this claim made by XXXX XXXX financial. At no time was I given the opportunity to explain my side to the credit bureaus.