davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX 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 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 2022-10-12
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. (FL)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously denied and/or processed my XXXX application incorrectly. Mohela is not even processing my XXXX application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved one so this pushes the processing time even further due to their mistake. The attached employment certification form has been sent to XXXX and MOHELA on multiple occasions with no results. The most recent form was sent in XXXX and is still processing, however since the form was sent in XXXX and XXXX and was closed with no adjustment, I do not have confidence that it will finally be processed. I've attached copies of the forms. My SSN and DOB have been redacted for my security, however they are present on the forms that were submitted to XXXX and MOHELA.
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 section 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 reason.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently submitted 56 ( 2 ) for Bank of America/ XXXX XXXX dba Secretary of Treasury ... 2848 ... 1099A ... ... Escrow Release ... 1040/1041V ... ..POA ... remit coupon for balance on account ... .also sent copy to IRS. The company responded with this letter and closed the account. Why would they make up some bs to close the account after I had taken control as the Lender/Creditor.FRAUD!!!! They are t

he Borrower. I filed this paperwork so they would STOP double dipping into my trust account to prevent the FRAUD that is currently happening. Seems they were caugh
t and tried to close the account so they can collect on the 1099A instead.
Consumer complaint received 2021-10-30
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)

Account Name : XXXX Account Number : 1934 Balance : {$240.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$380.00} Account Name : XXXX Account Number : XXXX Balance : {$2000.00} This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed this with the credit bureaus and I am still not seeing any corrections or changes in the way the information on each account is being reported. The items are questionable and I've been asking the credit bureaus and collectors as well to validate the reporting of the accounts because if not, they should delete them as per the FCRA. The credit bureaus are not budging and I don't know what else to do to get these companies to properly investigate the account.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (WA)

I applied for a WF credit card on XXXX for a {$200.00} bonus by charging {$500.00} in 90 days. I was denied with a credit score of XXXX, no debt, personal home paid for, $ XXXX month income and more than XXXX in savings products. The reason for denial is " ration of credit to debt is 0 '' which makes no sense. I want the card to replace one that I have only the WF card has no annual fee and I have an annual fee with XXXX  XXXX XXXX XXXX I feel I am being discriminate against because they feel the only reason I am applying is to get the bonus. It shouldn't matter why I am applying if I qualify and giving a " non reason '' for a denial isn't appropriate.
Consumer complaint received 2023-03-24
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. (TX)

I am concerned about identity theft. I do not recognize these enquiries, neither did I authorize them. They are fraudulent enquiries and I would like them removed please. I contacted this company multiple times about the issue since I noticed them on my report XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-10
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-13
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (NY)

In 2014, I was the victim of identity theft. A fraudulent XXXX account was created in my name. A debt incurred unbeknownst to me and was forwarded to WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX TX XXXX. 

I received the collection notice and filed a police report on XX/XX/2014. I notified the collections agency and XXXX and XXXX. 

Each year since then WAYPOINT has placed a derogatory mark on my credit report. Each year I contact XXXX and XXXX and XXXX to file a dispute and the identity theft paperwork. XXXX immediately canceled the debt. 
Im 2014, I contacted WAYPOINT to confirm that XXXX had deleted the debt. Yet, each year this appears on my credit report. I dispute the report again. Each year WAYPOINT ignores this dispute. Each year WAYPOINT notifies credit reporting agencies without any communication or request for payment from me. 

Attempts to call WAYPOINT have been futile. Attempts to serve emails have been futile. I have received no communication from the company.
Consumer complaint received 2018-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Claim # XXXX Amount : {$2700.00} On XX/XX/2018 I noticed activity on my account that I did not authorize. I contacted Bank of America immediately and reported all of the charges that I did not make and verified charges that I did make. I informed the fraud specialist I spoke with that I live in XXXX XXXX, Florida and did not visit XXXX XXXX XXXX and I dont know how or why there are numerous charges occurring in XXXX XXXX XXXX which I didnt authorize. The claims specialist started a claim in the amount of {$2700.00} with claim number of XXXX. I was advised that I would need to wait ten business days for an answer to my claim. On XX/XX/2018 I was advised that my claim has been denied. I called in and spoke to a claims supervisor by the name of XXXX who escalated my claim after she found discrepancies relating to research the analyst used to deny my claim. I was advised my claim is still open, but bank of America hasnt provided any temporary credit, nor documentation as to the current status of my claim. 

I personally reached out without Bank of America 's help to the numerous merchants where my card was fraudulently used and ascertained as much information as I could. I also reached out the XXXX and XXXX precincts of the NYPD in-regards to the fraud and was told by a detective XXXX that Bank of America will have to pursue it. 

The reason I am filing a claim with the CFPB is that Bank of America did not adhere to the ten-day investigation guidelines. My claim is still open and yet my account hasnt been temporarily credited and no other information has been given. I want my claim to be investigated and the Federal guidelines followed.
Consumer complaint received 2023-03-23
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. (NC)

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 : XXXX XXXX  # XXXX. Account name : XXXX XXXX  # XXXX. Account name : XXXX XXXX # XXXX. Account name : XXXX XXXX XXXX # XXXX. 
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 : 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 1681 to ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-10
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. (VA)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 16 USC 1681. 

I told the XXXX, Transunion and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX However, they stated that everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that is not reporting correctly, 15 USC 1681 section 602 A. states I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Also, they are not in compliance with metro 2 credit reporting.
Consumer complaint received 2022-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (MI)

On XX/XX/2022, the medical debt vulture company, First Financial Investment Fund III LLC, sent debt they purchased from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. On XX/XX/2022, XXXX sent me a letter saying they were servicing the debt now. They call this their demand letter. There was no demand for payment, no option for a payment plan, nothing. Just a letter from a law group with a law group letterhead saying they service my debt now. This was intended to intimidate me. I sent back a letter to them disputing and asking for validation on XX/XX/2022. XXXX sent validation showing XXXX XXXX of purchased medical debt leading to XXXX XXXX XXXX between XX/XX/2022 and XX/XX/2022. But, by XX/XX/2022, XXXX XXXX XXXX had drawn up both validation and legal papers to sue me, filing the legal complaint 28 days after the dispute was received, with a summons ultimately issued on XX/XX/2022 in the XXXX XXXX in XXXX XXXX MI. Service was attempted the week of XX/XX/2022, but I was out of town. I called XXXX and spoke with XXXX on XX/XX/2022 who told me that I 'can ' respond to the summons after I am served, misrepresenting the fact that no answer virtually always means a judgment in their favor. I set up a payment arrangement that day, XX/XX/2022. They told me there was 'nothing ' they 'could do ' about dismissing the lawsuit because XXXX 's with the courts now. ' This is another lie. On XX/XX/2022, I paid in full and called the next week to ask whether this could get XXXX to serve me dismissal papers. They said the lawsuit was 'canceled ' and nothing else would happen with the lawsuit because I paid in full. This is yet another lie because I was served today, XX/XX/2022, over this fully paid debt. I believe they broke the law with the timeframe between my dispute and their lawsuit. I think they attempted to deceive me into not answering the court case. I think they lied by telling me they can't do anything to dismiss the case. I think they lied and will continue to try to collect on this debt to double, maybe even triple collect. If they're trying this with me, they've done it to others. Last, I think they are nothing but a law firm that uses incredibly deceptive and aggressive methods to collect for clients. They took my down payment for my first house for my children and gave it to corporate investors. I know it was my debt -- it was for the birth of my child -- but there was no offer for partial payment or even a payment plan before they filed legal paperwork. They should not exist.
Consumer complaint received 2023-06-10
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)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I purchased a car because my XXXX XXXX engine blew up and the man who helped me finance the car wanted to be off the loan. I had finally got my credit score up since I am a survivor of XXXX and XXXX XXXX and was unable to finance previously. I let the dealership understand my position regarding this. It was very important to me to rebuild my credit and to make payments on time. 

The Dealership told me the wrong information regarding when payments were due. I have gone to Toyota Finacial and they said they can do nothing that I will have to go to the dealership and work it out with them. I have gone to XXXX of XXXX, TX and tried to get assistance regarding this issue. Prior to payments being made I went to the dealership to find out when they were due. Nothing was given to me other than a .com for Toyota Financial. Nothing more, no papers of when payment was due and where to make the payments. I have called the dealership repeatedly and left messages for the director of Finance to please contact me back and fix this. I have gone to the dealership where I waited for 1.5 hours to speak to someone only to be sent home. This problem is not getting fixed.

Tomorrow I plan on going to the dealership to please get assistance to fix this problem. Because of their error it has affected my credit score dropping 122 points. I AM A SURVIVOR OF XXXX AND XXXX XXXX I am trying to rebuild my life and my credit this has not helped. 

The reason why I agreed to this loan was because after 6 payments on time I would be able to go back to the dealership and my payments would go from {$350.00} to {$150.00} and the most of that payment will go to paying off the car.