davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (GA)

Experian failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. 

These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 

XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022XXXX XXXX XXXX Inquired on XX/XX/2022, US SM BUS ADMIN XXXX  Inquired on XX/XX/2022, XXXX XXXX XXXX XXXX on XX/XX/2022.
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 1681XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
XXXX5 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 2020-12-08
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. (OH)

I have been unemployed since XX/XX/2020 due natural disaster ( COVID-19 ) I called XXXX XXXX to inform them of my circumstances and was given the option to defer payments for a few months. Upon calling to ask if deferment was still available I was told yes and if I did not receive a call from company that means I have been approved and no payment would be due. Upon checking my credit report the company never called to inform of late payment which resulting in payment to go beyond 30 days late which has caused a negative impact on my credit report. The date they have reported late payment was the month of XX/XX/2020 in the amount of XXXX. I have tried to resolve this issue with company as well as disputing with the 3 credit bureaus stating this was due to a natural disaster and I am and have been an exceptional customer prior to the outbreak of Coronavirus.
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (AL)

I have submitted several complaints about information being incorrect, Have also presented XXXX, Equifax and XXXX. I have never signed any contract with them allowing them to share my information which is identity theft and a violation of law and the FCRA this has caused me and my family harm in which I am about to sue them all to the fullest extent of the law. They have consistently reported the debt of a living fiction on my personal record which according to HJR 192 and Public law 73-10 all debts are by law the responsibility of the U.S. Government ( Corporate Fiction ) I will give the 3 business days to remove all old accounts, closed accounts, all addreses accept the current address ( XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX ) off my record or I will file suit for all FCRA violations, Identity theft, commercial and corporate fraud. Also according to 18 USC 8 : Obligation or other security of the United States defined Text contains those laws in effect on XX/XX/XXXX From Title 18-CRIMES AND CRIMINAL PROCEDURE PART I-CRIMES CHAPTER 1-GENERAL PROVISIONS 8. Obligation or other security of the United States defined The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/XXXX, ch. 645, 62 Stat. 685. )
Consumer complaint received 2020-01-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (MD)

I was trying to make apply for credit to make a large purchase and was denied due to a collection from Wakefield & Associates reporting on my credit report. I was unaware of this debt until I applied for credit, was denied, which I then went to pull my credit report and saw a collection that I was unaware of. I never received any communication regarding this debt from Wakefield & Associates nor the original company that owns the debt. I don't even know who the original company is that owns the debt.
Consumer complaint received 2020-12-08
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: Experian Information Solutions Inc. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 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 litigation due to the stress you caused me. My information was also impacted by XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-08
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. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 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 litigation due to the stress you caused me. My information was also impacted by XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Transfinancial Companies, Inc (LA)

you are violating my consumer rights!!! I FEEL VERY HARASSED AT THIS MANNOR!! 
15 USC 1692g ( 2 ) states that Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;
Consumer complaint received 2021-01-21
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. (WI)

I have been trying to apply for a new auto loan. My bank checked my credit with Equifax, but the bank said they were unable to obtain a report from them. I had previously frozen my credit after the Equifax data breach, but had subsequently unfrozen it. When I tried to contact Equifax, I had to go through a series of questions to verify my identity, but some of the questions I was being asked were for accounts I didn't have ( but my son used to have, like student loans, etc. ). Now I've been locked out. I wrote Equifax, according to their instructions. It has been a month with no call or mail reply. The lease on my current vehicle expires soon, and I seem to be stuck.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

Hi, I was charged {$2500.00} from XXXX XXXX within two days, I did not made the purchases. The bank suntrust called me to let me know they suspected fraudulent charges so they open a case but then they closed it because they said I did business with them before. So it was not fraudulent, I ask them to show proof of purchase but they did nothing. 

So as of this moment not only they don't want to refund my money. 

They are charging me overdraft fees. 

I contacted XXXX XXXX  but everything is by email and so far they keep reviewing the case but no action has been taken.
Consumer complaint received 2021-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

I received an email via the XXXX app on XX/XX/2021, that I had an important change to my report. I find that Jefferson Capital Syst made a derogatory entry on XX/XX/2021, causing my credit score to decrease substantially. I am U.S. military member. I do not know what company this is, nor have I received any form of communication prior to this entry being made on my credit report. 18 points have dropped from my XXXX  credit score and 13 points from my XXXX  credit score.
Consumer complaint received 2021-01-21
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: EQUIFAX, INC. (GA)

On XXXX, I sent a letter regarding inaccurate information on my credit report. To this day, over 60 days later, and I have not received a response. I feel as though I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 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 litigation due to the XXXX that has been caused. My information was also impacted in the Equifax Data Breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-01-21
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. (GA)

On XXXX, I sent a letter regarding inaccurate information on my credit report. To this day, over 60 days later, and I have not received a response. I feel as though I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 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 litigation due to the XXXX that has been caused. My information was also impacted in the XXXX Data Breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-01-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

The mortgage servicing company, NewRez Mortgage Servicing, has raised their fees at an alarming rate which must be countered and made illegal. Any fee change should not apply to existing customers as it can be impossible for some to switch mortgage servicing companies. Here is a link to the off with the changes they've made also attached to this posting. 
https : //www.newrez.com/media/XXXX/newrez-fee-schedule-notice-XXXX.pdf I am submitting this complaint on the behalf of all constitutes and customers.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/2023 HSBC Bank chose to suspend my account and put it under investigation or review without any notice to me no correspondence whatsoever about the situation on XXXX the XXXX XXXX  I tried to log into my online account and could not and I got an error message saying it was suspended so I immediately called the bank they said that it was some sort of problem to call back the next business day on the second of XXXX I called because I usually get a direct deposit on the XXXX of every month and that's when they told me that my account was being up for closure because of some review or investigation without any other notice to me they then said that they were just going to accept my direct deposit but I would have to wait until the account was closed all the way and then I will receive my money. I tried to get the direct deposit stopped but it was too late seeing that it was going to be put in for the next day so the funds were in the account that I could not access since then I have been trying to get my money back from HSBC Bank and I have been given the runaround. I've called 17 times and talk to XXXX managers or supervisors and they all tell me the same thing they don't know when it's going to be that I will be able to look for a check in the mail. This is very very unfair I feel like they're trying to take my money from me and it's not fair whatsoever. Since this problem with HSBC Bank holding my money unbeknownst to me, I have been evicted from my home for non-payment of my rent, I have been in financial ruin because of late fees and bad credit reports because of the money being held and I can't pay my bills. I am XXXX and I received disability benifits from the social security administration disability insurance and that's the money that they're holding from me. I explained several times to the HSBC supervisors with no recourse they do not care and they are acting like it's not anything that they can do about it. They still haven't told me why this is happening still no correspondence no phone calls no emails no letters. I totally feel like this is very very illegal and it needs to be spoken about, please help. Thank You
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

This company, i.e., JEFFERSON CAPITAL SYSTEMS LLC ; Dept. # XXXX ; XXXX XXXX XXXX ; XXXX, AL XXXX been harassing myself about a XXXX XXXX bill from year 2012 that was created by being a victim of identity theft. 

I have contacted them on three occasions mainly via phone to disease and desist from attempting to collect a debt that they do not have any legal standing to collect. I warned them they are in violation of Regulations E ; and Z of the Federal Code of Regulations ; also federal statute under Title 15, USCA.
Consumer complaint received 2022-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

Nissan XXXX XXXX refuse to fix my car. I have taken this car to them 5 times over the last past 3 months. I have sent a complaint to Nissan XXXX XXXX department. They promise to reach out to me with a solution within 48 hours on XXXX. I had completed a voluntary repossession with my financial institution. Because I could not afford my car note and the repairs that Nissan was supposed to complete on my car back on XX/XX/XXXX. 

I'm having the same problem I was having when I paid Nissan to fix my brand new XXXX XXXXXXXX XXXX I purchase this car less than 3 years ago. I would like Nissan to stand by the repairs they said they completed. But since I no longer have the car. I would like the cost of everything I paid out of pocket for the difference of what I owe on the car I have to give back to my financial institution. 

Thank you,
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX Balance : {$0.00} - As a client I have legal rights that are given to me to safeguard me from misinformation being noted on my credit report. At this juncture I need to generate a final inquiry for inspection before I check with my attorney for information on how to handle inaccurate and unverifiable issues that are ongoing to be established as genuine. Kindly give me along with a copy of the contract fixed or voice chat where I authorized billing me with this particular account. In any other case you need to update of this particular coming from my credit according to the Fair Credit Reporting Act as well as the Fair Credit Billing Act. 

XXXX XXXX XXXX Balance : {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (WI)

XX/XX/XXXX, I closed on my deceased sister 's property, which I became the owner on XX/XX/XXXX. The title company sent the payoff which was rejected as the mortgage company said they sent the wrong payoff number. I sent the Title company the difference and the title company resubmitted the new payment and was again rejected stating I owed interest, per diem, and insurance costs. The property was sold. I was never contacted by the mortgage company from the time of my sister 's death XX/XX/XXXX under the federal Garn-St. Germain Depository Institutions Act. I would have purchased the property at a better rate because I am a XXXX XXXX. I have made repeated phone calls and am told a supervisor would call. I received one call stating I would not be charged these fees because they made a mistake but I have gone from an initial payoff of XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I called yesterday XX/XX/XXXX and the person said a supervisor would call immediately. No call. Help!!!!
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (NJ)

Please remove Loancare charges off my credit. Attached is Loancare discharge Mortgage doc, Loancare payoff statement, Loan pay off wire transfer and the house Closing Disclosure. After spoking with Loancare customer service two weeks ago the account was showing as closed and paid off. They confirm that they have a glitch in their system, and they mark the account as closed and paid off on XX/XX/20. then I guess their system automatically keep posting that this account not paid in full because no one went in the system to correct I manually.
Consumer complaint received 2020-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020, I purchased a set of XXXX XXXX  that were advertised on XXXX for {$59.00}. I paid immediately via PayPal using my account XXXX. 

The sellers info is : XXXX XXXX The receiver of this payment is Non-US - Unverified XXXX I did not receive tracking information so on XX/XX/XXXX I filed a dispute after seeing how many complaints there were online about the seller ( I googled the XXXX email ). After almost two months, PayPal closed my dispute stating that the seller provided tracking info showing that the product was delivered. This is not the case. The tracking info ( XXXX XXXX XXXX XXXXXXXX ) said that a package was left in a mailbox in my zip code, but did not contain my actual address.
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my XXXX 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