davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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: LendingPoint Holdings LLC (MI)

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. 

Account name : XXXXXXXX XXXX, Account Number : XXXX Account name : Lending Point LLC, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights to privacy. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (VA)

I went to a dealership to purchase my car approximately 3 years ago. At the time I brought in a pre approval letter from XXXX  XXXX. I had done all the necessary things before driving XXXX miles to buy the new car. When I arrive to make the purchase the dealership was closing. They came back and told me I was denied the XXXX  XXXX loan but was able to get me a loan with Santander. The place was pretty much closed and I was left there to either sign on to a new loan or walk away with no car. I signed and drove away. The cars value was {$23000.00}. As of now, 3 years later Ive made {$16000.00} in payments ( according to Santander ) and still owe {$27000.00} due to astronomical interest rates. I have the hardest time trying to refinance the car which the car salesmen recommended I do after 6 months. I now see why. By the time Im able to pay off the loan I would have brought the car twice. Ive tried to reach out to Santander and was abruptly hung up on after I mentioned seeking legal advice.
Consumer complaint received 2022-10-14
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. (AZ)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2022. Me and my friend XXXX sent money to someone who we thought was our future landlord but turned out to be a scammer. She had come across a listing on XXXX that had stolen the pictures of the real property owners but had false contact information. We were sent an application to fill out, and were told to send them money through XXXX. Around XX/XX/2022 I began to be suspicious when I searched the address and found the real property owners website. I called and they confirmed we had been scammed. I called Wells Fargo immediately and reported the fraud. They did not offer much help or guidance during the call. I never heard from Wells Fargo about it, but soon my account would be negative. Losing {$500.00} in a scam while I also lost my housing and job I spent what money I had left to survive hoping Wells Fargo would return my money. I turned to high interest loans but eventually it wasnt enough and my account was negative. I eventually realized Wells Fargo was not going to help me, I couldnt fill out the complaint form through XXXX cause I needed numbers from Wells Fargo they never provided me. My account eventually closed around - {$220.00}. Im disappointed because if I had the money returned it wouldve covered the balance and maybe my account would not have closed. Now I owe Wells Fargo even more money and they wouldnt do anything when I lost {$500.00}.
Consumer complaint received 2022-10-14
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. (CA)

This is not the first time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$10000.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX ; 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
Consumer complaint received 2022-10-14
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. (FL)

I sent a letter addressed to the Credit Bureaus requesting to conduct an investigation and correct the information being reported. The credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my updated report and not all XXXX buerors are in unison as to what needs to be removed and reported. 
XXXX XXXX is an athorized account I need removed ASAP XXXX for XXXX & Transunion should be removed as it is for XXXX as of XX/XX/XXXX XXXX inquiries as well as XXXX XXXX should be cleared off my theft report is attached and police report was sent but its still seen as well as proof that I can't even get verified to speak on behalf of the account because I'm not the person that opened it ( see attached ) 4.I asked for all alerts, statements, holds, freezes etc to be lifted but I still have them especially with XXXX and XXXX stopping me from being able to have my report pulled. I sent my proof of identity and address weeks ago and tracking says it was received I called and confirmed it was uploaded. 
XXXX, My XXXX  XXXX XXXX loan was removed from XXXX but is still not updated with Transunion or XXXX as XXXX XX/XX/XXXX I proved with LOADS of documents these should be done across all reports and it's your DUTY to make sure everything in in sync or to show me line by line law by law contact etc why it shouldn't be with you SPECIFIC agency
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account date : [ XX/XX/XXXX Reason : [ NEED IT REMOVE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (PA)

XXXX A REAL PERSON AND YOU MUST FOLLOW THE LAW. I would like all of my unauthorized inquiries, personal information and collection accounts DELETED. Many of these accounts fall under the statue of limitations or are misreporting on my consumer report. Please apply these laws to my accounts :? The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX XXXX Fair Credit Reporting Act ( FCRA ) 15 U.S.C. & 1681 ( " FCRA '' ). Please DELETE any and all unauthorized inquiries from my reports as i have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my consumer report or was privy to any of these filings, your inquiry into my credit violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transaction Not Initiated By Consumer 15 USC 1681 ( c-2 ).
Consumer complaint received 2022-10-14
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. (GA)

The fees that I'm disputing on my account was closed years ago and for some odd reason it is negative on my credit report and is also updated when I specifically remember on Experian it stated this would fall off of my report XX/XX/XXXX. For some reason it says it was updated when that makes no sense. Even if it was on my credit report for up to 7 years which it is past that time frame even from XXXX when this was addressed it is XXXX. This should have been fell off my credit report with no issue. I also called the number that they said to address my situation with and it was not a working hard number which I do now feel something fraudulent is taking place and my credit should not have to take a hit for this
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capstone Credit & Collection, LLC. (FL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Act 15 U.S.C 1692 Capestone Credit & Collec has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 1692 section 805 A. States that a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer.
Consumer complaint received 2022-10-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc. (NJ)

Consumer Portfolio Services , IncXXXX hired XXXX & XXXX XXXX XXXX {$12000.00} on a car Consumer Portfolio repossessed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2022, XXXXXXXX XXXX XXXX reached out with loan documents and a history transaction in a corrupt file. I responded back requesting the information showing how much the car was sold for via e-mail on XX/XX/2022. 

XXXX & XXXX sent me a notification explaining the settlement conference was canceled, the matter is resolved and the case is dismissed. 

I have never received an accurate balance regarding this account. 

I have disputed it with all three credit bureaus.
Consumer complaint received 2022-10-14
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: SYNCHRONY FINANCIAL (FL)

To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.

Secondly according to the 15 USC 1681.The law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.

1. XXXX XXXX 2. Account Number : XXXX The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 
I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT. 

15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WA)

I am in the PSLF program. My loans have been in repayment since XXXX, well longer than I need to have my loans forgiven. 

I consolidated my loans and was transferred to Mohela as my new servicer in late XXXX. My loans disbursed on XX/XX/XXXX. 

I resubmitted my employment certification form to MOHELA and received confirmation on their website on XX/XX/XXXX that my form was received. As my previous servicer was XXXX. My initial PSLF forms had been uploaded to them in XXXX at the start of the temporary waiver period. 

On XX/XX/XXXX, I received e-notification that there would be a 10 day delay in processing my employment verification form. I have not heard anything from Mohela. 

I just called their customer service auto service telephone number. When I entered my SS # and birthday, the automated system says that they do not have my loan information. I can clearly see my consolidated loan information on their website. 

Mohela has had my loan data since XX/XX/XXXX. With the looming deadline for the PSLF waiver, I'm concerned that I have been unable to get any account updates and information for over three months from Mohela.
Consumer complaint received 2022-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

I was victim to a XXXX scam via the Chase mobile app on XX/XX/XXXX. It was during a potential XXXX marketplace transaction for a used baby product I was selling. The scammer said via XXXX XXXX that the payment they had given me was being held by XXXX due to her account being a business account and that i would have to upgrade my account to a business account to receive my money. I was also sent an email by the scammer from XXXX verifying this. Outlined in the email, the buyer would first give money to XXXX, followed by me giving the same amount to the buyer. XXXX would then release funds to me once I had an upgraded business account. This resulted in two separate transactions, one to the buyer and one to a XXXX agent. I lost a total of {$1000.00}. I contacted Chase regarding this on XX/XX/XXXX and filed a claim. I also sent Chase claims supporting emails and chat transcript with the scammer. I was denied any reimbursement from Chase on XX/XX/XXXX with a letter saying that as we discussed and agreed, no action will be taken. I did not agree that no action would be taken. I was under the impression a claims agent would look into my case.
Consumer complaint received 2022-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (OR)

Truist Bank purchased my mortgage. I am receiving spam e-mails daily that do not have an option to unsubscribe. I have called to directly request removal from their e-mail list but they can't seem to figure out how to remove me. I am done wasting my time on hold trying to get this figured out. Banks with such poor service should not be in business.
Consumer complaint received 2022-09-28
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. (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 am worn out of sending dispute letters to Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway of taking lawful action and litigating Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX SERVICES XXXX