davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

According to The Family Educational Rights and Privacy Act ( FERPA ) 20 USC 1232g ( b ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public and private elementary, secondary, or post -secondary school. I would also like to add according to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that the consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states 'It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customer 's nonpublic personal information. " ( XXXX XXXXXXXX XXXX ) is a financial institution by definition under that title .15 USC 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " ( XXXX  XXXX XXXX ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( XXXX  XXXX XXXX ) whether it be vebal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- - the consumer is given an explanation if how the consumer can exercise that nondisclosure option. " ( XXXX  XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against law. 15 U.S. Code & 1681 s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to 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 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( C ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR & 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Consumer complaint received 2022-03-29
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)

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. XXXX XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX 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 XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2022-03-29
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. XXXX XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX  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 im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2022-03-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo and myself are in the process of dealing with the second account which I never applied for. First a young lady by the name of XXXX who I was in conversation with was wonderful. Now the next step is with a gentleman I am in contact with. 

Wells Fargo always denied I had two accounts but I did. Whoever manipulated the loan agreement did it behind my back. Ever since I found my voice to fight injustice my biggest worry and concern were for people who were XXXX  XXXX, XXXX  XXXX, illiterates and just totally stressed. 

Anyone who handles money for anyone should have the highest integrity one can stand on. Loan officers, brokers, advisers, attorneys should have the strongest regulations over them and the strictest penalizes against them if they commit wrongdoing. Integrity and honesty must be the forefront of every financial deal. 

I have been writing to every Senator, Agency, especially this one and the House Finance Committee along with sending my complaints to Wells Fargo.

Out of all the people I spoke with from the time I found out there were two accounts in my name I voiced my concerns from 2011 to present. Over 10 years. Over those ten years only ONE ( 1 ) person ever told me I had two accounts not one. Everyone else said I had one and gave me some poppycock story which I never believed. 

XXXX XXXX told me on XX/XX/XXXX a loan for XXXX # XXXX Another loan for XXXX on XX/XX/XXXX. Also on my Note where there is a loan officer by the name of XXXX XXXX who I have never met and have no recollection of this person. Everyone I dealt with were females and the only male was XXXX the loan officer on XXXX. Many years later. XXXX XXXX is the only one who was honest with me to tell me " Yes there are two accounts and both are for XXXX. This never appeared until XXXX when I made my payment in XXXX Virginia for over 400 dollars. 

Then XXXX to present, the principal never changed but before that my principal was going down. 

This day and the day I step foot into Wells Fargo I never never applied for two loans not with the credit score I had. The only word that comes to my mind is Predatory Lending. Someone took advantage of me big time when I was at the lowest point in my life. You couldn't get any lower where I was in my life at that time. The worst I trusted the loan officer. My trust was thrown away like garbage or threw the paper shredder. 

Trust is so important. Honest is even greater and Integrity is the pinnacle of a business.
Consumer complaint received 2022-03-17
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. (GA)

Ive been contacting transunion for months sending letters on top of letters and they have refused to remove incorrect information from my credit report. I have provided with all documentation ids and identity theft affidavit & they still refuse to remove the incorrect inquiries and accounts from my credit report
Consumer complaint received 2022-03-01
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : 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.
Consumer complaint received 2022-03-29
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. (IL)

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 XXXXtransunion 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Want a follow of my case against Chase bank. Chase bank gave me a case # XXXX this was acknowledged by Chase CEO Dept. Submitted this case last XXXX XXXX XXXX. Still nothing done about complaint. Chase is holding & delaying my gov't pension. This happened since XXXX Chase delayed paying my gov't pension. Now XXXX XXXX XXXX XXXX received my XXXX XXXX gov't pension but until now Chase bank is holding my XXXX XXXX pension it's already XXXX XXXX nothing done yet. Chase said this case will be expedited? Here it comes XXXX week of XXXX no pension given to me for the XXXX of XXXX. Because of delaying my gov't pension I am demanding to DOUBLE the amount of my gov't pension for the XXXX of XXXX AS A RESOLUTION if this case. I supposed to pick up my XXXX XXXX prescription refills & pay my co-pay for meds because of Chase bank not releasing my gov't pension I can't even pick up my XXXX because Chase is holding my pension.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (DC)

On XX/XX/XXXX I was made aware of an adverse collection on my XXXX credit report as I sought unrelated credit. The item purported to show {$2400.00} due to National Credit Systems. 

After researching, I determined that collection originated from an apartment building in XXXX, Maryland owned by XXXX XXXX ( the Residences at XXXX XXXX XXXX ), which I had moved out of in XXXX of XXXX. I contacted the apartment building on XX/XX/XXXX to dispute the charge, as I had no record of an outstanding bill and, in fact, had a record showing fully paid at the time of moveout, except for a minor utility bill of {$45.00} that was customarily paid later ( which occurred ). The building management informed me that the property had been sold and that it had no records from that time. It then advised me to contact XXXX XXXX directly. 

Also, on XX/XX/XXXX, I contacted XXXX XXXX  to dispute the charge. I provided the statement from XX/XX/XXXX that showed full payment, except for a {$45.00} utility bill. Capital properties responded that the amount had been sent to collections and that I should pay the collection agency. It further stated that almost all of the charge was to replace carpet. 

Capital properties provided no evidence that the carpets were in fact damaged, let alone damaged because of my tenancy. That is because the carpets were in good condition when I left. In addition, I can attest that from XX/XX/XXXX to now that I am not aware of any attempts by Capital Properties ( or National Credit Systems for that matter ) to contact me about the supposed charges and the reason for the charges. They have also made no attempt to provide any evidence of actual harm to the apartment or that connects the damage to my tenancy. In fact, I only found out about the delinquent item because of an unrelated credit pull on my records. 
Finally, on XX/XX/XXXX, I received a letter from XXXX that indicates that it completed its investigation into my dispute, and it found the credit item as accurate. It did not appear to provide any evidence to support that finding.
Consumer complaint received 2022-03-29
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: Time Investment Corporation (NC)

On XX/XX/22 I submitted a formal complaint against Time Financing Services regarding their violation of the Fair Credit Reporting and the Fair Debt Collection Practices act. 

I also requested validation of the debt they are reporting on my credit report. To this day, they have failed to provide validation of the debt. They have also failed to provide me with any steps taken to validate the debt. And have also failed to provide any proof that I have a contractual obligation to pay them. 

In their response to my original complaint they stated they do not have any record of me in their files. They also stated that they sent me a form to fill out to verify my identity. 

It is NOT MY JOB to do that. The burden of proof is on them. They have repeatedly failed to validate the debt, they have also failed to mark my credit report with dispute comments within 31 days of receiving my complaint. 

They are in violation of my consumer rights, they are also violating state law with their error in reporting. 

To add insult to injury, they didnt even bother to get my name right in their response. Shame on them!! 

Im also filing a complaint with the NC Attorneys General office regarding this issue.
Consumer complaint received 2022-03-29
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. (NV)

I have sent in numerous times the official document to prove my residency! I have not resided at XXXX XXXX XXXX XXXX, XXXX, ohio XXXX. There is 8 accounts on my experian that is attached to that address. Official proof of residency documents can be : Current official document with your name and address This information can come from a number of documents, but is necessary to proving where you live. A utility bill, credit card statement, lease agreement or mortgage statement will all work to prove residency. I have sent in XXXX XXXX file showing that address is not on my file. XXXX XXXX XXXX XXXX, XXXX, ohio XXXX has been deleted from XXXX XXXX for over a year. I sent experian that information a long time ago. I have sent in my passport, credit card statements, social security card, police report, and ftc affidavit and experian refuse to remove this erroneous address and the accounts that is connected with that address. The accounts connected to that address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and fingerhut. Experian " verify '' was a LIE! The information was not verified! E-oscar is not verifying with the original creditor! I have reached out to legal assistance. I will be sending a copy of this complaint to the CEO of experian ( XXXX XXXX ). A consumer definitely should not have to go through this ridiculous measure when information is mixed up with another consumer. Punitive damages will be sought if this is not resolved asap! experian has all the documentation that I have sent prior to this complaint! do not send me another pre-made generated letter stating the erroneous accounts is verified!
Consumer complaint received 2022-03-29
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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

On or about XX/XX/2021 I was denied for a mortgage by Rocket Mortgage and received a denial from the loan officer XXXX XXXX XXXX XXXX # XXXX. I was told I was approved and given an approval only to find out 20 days before closing that my loan was declined. When I call the Loan Officer, she could only tell me that they ( Rocket Mortgage ) could not do the mortgage with no other information requested that I could provide. To this date, I do not know why I was declined. I failed to get the home that I wanted to purchase and received the denial with little information provided. I lost that home.
Consumer complaint received 2022-03-01
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : 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.
Consumer complaint received 2021-12-11
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)

These 3 agencies XXXX, XXXX and Transunion are in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Please delete these accounts immediately.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

During XXXX XXXX I missed a few payments on my load. ( XXXX ) XX/XX/2020 the cares act became law. And states if you were not delinquent before this became law then you qualify for protection. Protection from allowing credit bureaus and creditors to report late payments or damage your score I have file multiple disputes with orginal creditor and credit bureau and they choose not to follow the law and remove these. Missed payments after XX/XX/2020 to present need to be removed per cares act and heros act