davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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. (TN)

Upon reviewing my updated Credit Report, incorrect information are being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the unauthorized inquiries have been removed.
Consumer complaint received 2022-06-20
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 have been a vicitim of identify theft froud when I went to XXXX and XXXX i discovered that my ex boyfriend at XXXX that what i believe used my personal information to obatin credit apartments and XXXX in my name without my knowledge i am watching my credit daily and this item poped up in which it does not belong to me and i would like it removed deleted and updated XXXX XXXX XXXX also know as XXXX XXXX XXXX for {$650.00} opened XX/XX/XXXX I have contacted my local police and made a report also the FTC this man has been trying to mess up my life since i broke up with him but I have no real proof my information has also been in serveral data breaches XXXXXXXX XXXX XXXX amount {$1300.00}
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 account without my written instructions.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX ( Saturday ) I deposited {$500.00} ( all XXXX ) into a Bank of America ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX United States ) at XXXX and the atm claimed it could not process my transaction or refund me my money. 

I filed a claim in that moment ( claim # XXXX XXXX, since processing the claim I have not received any Messages or updates on the claim. When I call about the claim I do not receive accurate or helpful information about the status of the claim. I have received multiple dates from The customer service informing that I would receive the money on a date that has passed, and still have not received my money. 
I strongly believe that Bank of America is providing me inaccurate information, they still show that I have a standing balance and refuse to give me any temporary or provisional credit in the mean time, due to the ATM malfunction on their end. 
This has been theft by Bank of America and still have not accurately fixed the situation. 

They told me 7 to 10 business days. When this time frame passed they now are saying 90 days. This cash was deposited into the ATM and should have been solved already.
Consumer complaint received 2022-08-07
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. (MI)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked, deleted, and removed. My request to block is not being made in error ; nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

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 XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : 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 2020-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

As part of the CARES act interest on Federal Student Loans was to be waived due to Covid 19. I am still being charged interest. Navient states that my loans don't qualify because they were not funded by the US government even though they are federally subsidized student loans with interest rates set by congress.

I don't care who lent the money, they are federal student loans that are guaranteed by the US government so I should not be charged interest on the loans during the period that the CARES act covers. Navient is charging interest on these loans in violation of the act.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX  XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-01-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hunt & Henriques (CA)

Hello I have sent certified letter to the creditor to stop contacting me I did not apply for credit with them XXXX XXXX XXXX continue XXXX XXXX calls letters even when you tell them to stop in writing. Do to COVID and not working its stressful I will be seeking legal advice on bk Please contact them and tell this company to stop contacting me after I wrote three times to stop but they continue with law suit intent to file against me in COVID lockdown Thanks again for your help
Consumer complaint received 2020-12-06
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. (GA)

XXXX did not look at evidence that world finance fraduently reported i had a new loan account XX/XX/2020 they did this to me in XX/XX/2020 if they had actualy researched this they would have found them to have illegally refreshed this account that was not with them. i will persue legal action against both companies as i see now iam getting absolutely no where this is illegal practices what is he fair credit act for????? this is not a new account and then they reported it closed XX/XX/2020 both companies ridiculous they need to do there job. look at the dates and evidence that will tell you you cant put something on someones credit report twice!!!!!!!
Consumer complaint received 2020-07-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Management Group, Inc. (GA) (FL)

Received dunning letter from RECEIVABLE MANAGEMENT GROUP , INC on XX/XX/2020. The letter was dated XX/XX/2020 attempting to collect debt of {$48.00} on behalf of XXXX XXXX of XXXX Florida for services on XX/XX/2020. 
I called their office today and spoke with a Ms. XXXX. I explained to Ms. XXXX that the XXXX  group failed to provide requested information to XXXX XXXX so that a claim for services rendered could be addressed I have an Explanation of Benefits from XXXX XXXX stating that my financial responsibility is XXXX on this claim. 

Therefor they are attempting to collect a debt for {$48.00} when the balance, per insurance contract is XXXX. 

Ms. XXXX did not want to discuss any matters relating to insurance whatsoever. 

In the event that this debt collector places any derogatory information on my credit report, I will pursue my legal remedies for slander of credit as well as pursuant to the Fair Debt Collection Act.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXXXXXX 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 2022-06-20
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (WA)

On XX/XX/XXXX, I attempted to withdraw the {$100.00} balance from my Skylight One debit card. According to their website, there are no fees associated with withdrawing funds using an XXXX XXXX XXXX. See attachment 2. 

I looked up XXXX XXXX XXXX on the Skylight One website and went to XXXX, which was on the list provided. https : //www.skylightpaycard.com/account/move-money-menu ( attachment 1 ) I put {$100.00} as the amount to withdraw. The ATM said there insufficient funds and wouldn't give me any money. I tired again, same thing happened. When I got home, I checked website ( see above ) to see what went wrong, and found two {$1.00} debits charged to my account. 

I called customer service 3 times to get a satisfactory explanation for the fees, but they were not helpful at all and I was disconnected twice.
Consumer complaint received 2021-08-07
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. (MS)

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$3500.00} This is a formal complaint against XXXX  , XXXX  , and TransUnion . They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

For one, I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 

I have also disputed this account directly with the furnishers - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, they keep sending me the same letter response every time. They can not provide any legitimate proof that this debt is indeed accurate and correct as they claim and as it shows in my credit report.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO. (CA)

In accordance with fair credit reporting account Ford Motor Credit XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-21
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. (MO)

I received an email from XXXX stating that my credit limit has been reduced due to my payment being late and I had a past due balance. I scheduled my payment on XX/XX/XXXX to be drafted on XX/XX/XXXX. I received a confirmation email after I scheduled my payment which Ive attached to this message. I called customer service and spoke with a young lady by the name of XXXX. She advised me that she could see that I had scheduled a payment on XXXX to draft on XX/XX/XXXX and she was sure as to why they never drafted the payment. She also advised me that this missed payment has affected my credit. I advised her that I had a confirmation emailing stating that I scheduled my payment as I do every single month. She then said she would put in a complaint to fix the issue and update the system, however it would take 1-2 billing cycles to fix. I advised her that was unacceptable as I was in the middle of refinancing my home. She told me there was nothing they could do about it. I asked to speak to a manager. She then transferred me to XXXX who immediately came on the line rude and uninterested in my issue. He immediately began ranting about what XXXX had already told me and said there was nothing he could do. He interrupted me each time I tried to speak. I also advised him that waiting 1-2 months to update my credit report was unacceptable as I was in the process of refinancing my home. He again said there was nothing he could do but to put my request in the system. I then asked him how is it that your company can make a mistake and if affect me and not you. He seemed irritated that he even had to take my call. I would like my credit report updated IMMEDIATELY and any fees removed from my account. They should not be allowed to treat customers this way. They mess up and there arent any repercussions and the customer is the one who pays the cost. Its RIDICULOUS! I also would like someone over XXXX to reach out to me in regards to his behavior! This is unacceptable!
Consumer complaint received 2020-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

Hello! 

From my understanding when a mortgage loan reaches 78 % of the value of the original purchasing price, the mortgage service is required to remove the PMI. I have reached out to me mortgage company ( Freedom Mortgage ) and then stated that I need to have a written request as well as an appraisal. My understanding was that none of this is needed once the loan reaches 78 %, that that information is if you are requesting PMI waiver at 80 %. 

Please let me know if they are wrong or if I am wrong. 

XXXX XXXX
Consumer complaint received 2022-06-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (CA)

My explanation to PayPal about my purchase of a gold neclase from XXXX  XXXX I placed this order on XX/XX/XXXX and paid $ XXXX same day.the seller promised to ship by USPS priority mail next day, he lied and texted me a fake tracking number then I went to check my order where was written order canceled, reorder. I contacted him and he told me that I will get my order after a week, I told him to cancel and refund my money, but the order was sent and according to USPS tracking was delivered on XX/XX/XXXX at XXXX at my doorstep. But there was nothing, I chased all my front yard and asked neighbors if maybe the mailman made a mistake, no results .when the seller shipped I warned him to stop the shipment because he told me that I will receive it after a week.He didn't stop. I opened a dispute with PayPal .After reveiwing withe the seller 20 days, PayPal made a decision on seller 's favor on the basis that according the USPS tracking number the item was delivered, which was clear from the first day I opened a dispute. I don't understand what was reveiwing PayPal with the seller and regularly asking me for additional information.Now I don't have my order. The seller has my money. I am not sure what was in the package, a couple of pack cigarettes or my {$290.00} neclase .because according seller, s statement the tracking number was created from XXXX , shipped by Other. Even the seller didn't see what was in the package. Today I made a claim to USPS Claim ID # : XXXX Below is the seller 's statement from Paypal Seller 's information Tracking info provided by XXXX  XXXX  XXXX Shipped by Other
Consumer complaint received 2022-09-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: KAHRS LAW OFFICES, PA (KS)

As of today, XX/XX/2022, after a conversation with a representative for XXXX XXXX XXXX  regarding a seize on my savings and checking account, I can no longer access. I requested information on this account, all the representative said was to call a Kahrs Law Office at XXXX, regarding a debt for XXXX XXXX in XXXX, Kansas. I told the representative I have no debt at that clinic. In order to have access to my bank accounts I must call this specific Kahrs Law Office. I told the XXXX XXXX representative this sounds like a fraudulent activity and Im reporting it. All my income is Social Security XXXX and cant be seized.