davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-29
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. (MD)

In accordance with the Fair Credit Reporting Act XXXXt, the following have violated my rights ; XXXX # XXXX, XXXX XXXXXXXX # XXXX, CXXXX's # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXXr # XXXXXXXX XXXX XXXXt XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/ XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states that I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My personal information was stolen and compromise. I have file a police report. 
These account were open without my permission. This accounts are with the following collection agency : XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXX, & XXXX ( XXXX XXXX {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXXXXXX XXXX  ( {$1900.00} ) XXXX  ( {$240.00} )
Consumer complaint received 2022-03-06
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. (MI)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-03-06
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX, XXXX, Experian, and XXXX, have violated my rights. I have also been told previously that it has been verified through the courts which are not true and I have verified with the courts that they do not verify this information with the credit bureaus or any other entities. My rights have been violated under the FCRA laws below and I have the right to privacy. I have asked that this be removed from my credit report multiple times due to the FCRA violations and the inaccuracies that are included.

15 U.S.C 1681 section 602 A. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions There are also multiple errors on my credit report in regards to this listing such as the reference #, court name, and filing date which violates my rights.
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (GA)

I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account 's information ASAP : XXXX XXXX  XXXX
Consumer complaint received 2022-03-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company
Consumer complaint received 2022-08-22
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)

Please remove these Fraudulent Inquiries from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. It's been well over 30 days, I still haven't received anything back.

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, XXXX  have 30 days to respond to my dispute.

This violation of my rights.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OLD NATIONAL BANCORP (IN)

My wife had an XXXX account with Old National Bank which we were first told was closed at our request no later than XXXX. Since that time, we continued to recieve account statements and communications from Old National Bank implying that the account was still open. Through numerous contacts with Old National bank over the years since XXXX, no fewer than 4 regarding ensuring the account was closed, we were told that the account was already closed and that there was nothing else that we needed to do. Fast forward to today, we are now recieving letters from XXXX XXXX  which bought the XXXX business from Old National Bank. We are being told that our new XXXX balance XXXX account at XXXX ( which was bought out from Old National ) is inactive and will start being assessed inactivity fees. IF our account was indeed closed at Old National Bank, why was it sold, alongwith all of our personal information, to the new entity?
Consumer complaint received 2022-10-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

Navient Solution LLC was sued recently and I have received a notice about the lawsuit. According to the lawsuit documents, my private loan should be forgiven because my school is on the list of schools who got sued as well. My private student loan that I took out for attending XXXX XXXX  XXXX XXXX should be forgiven. I have called Navient about this several times and they keep rerouting me and telling me that my forgiveness should be sent via mail. According to the documents I have received from the Attorney General, I should have received a notice about loan forgiveness by XXXX of 2022. I still have not received anything from Navient and calling them is useless. Customer service people at Navient don't have a clue about the lawsuit and keep rerouting me or giving me misinformation. Please look into this issue.
Consumer complaint received 2022-12-29
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

In XXXX, I saw an ad on XXXX for XXXX and decided to buy a few. The seller told me they accepted XXXX XXXX and XXXX XXXX, so I sent the money in three separate transactions. Unfortunately, the seller never sent the items or responded to me after I paid. 

I went to my local Wells Fargo branch to report the issue, and they told me I should file a claim for the transactions. Following their advice, I filed claims for all three payments, providing the details of what happened. 

A few weeks later, I received an email from Wells Fargo saying my account would be closed due to suspicious activity. When I called to ask why, they said it was because I had made multiple claims and that my account was relatively new ( only five months old ). I explained that all the claims were legitimate and related to the same fraudulent seller, but they told me there was nothing they could do and that my account would close on XX/XX/XXXX. 

I dont think this is fair. I followed their advice and acted responsibly to report fraud, but now Im being penalized for it. I have proof that the transactions were all with the same seller and would appreciate it if Wells Fargo would reconsider their decision.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

My mortgage company XXXX Loancare required that I have mortgage insurance until my home was at 80 % loan to value. I live in XXXX, CO where home values have gone up considerably over the past year. In XXXX of 2021, I contacted XXXX Loancare and requested my mortgage insurance be cancelled. I was sent a denial letter on XX/XX/XXXX stating my home was by them at 85 % loan to value. There was no disclosure as to how they arrived at that number. 

Prior to the denial letter, in early XX/XX/2021, I submitted a comparable home sales report from a Broker named XXXX XXXX with XXXX that showed my home was valued at {$520000.00}. My mortgage balance was XXXX so I only needed the home to be valued at {$460000.00} to have the PMI dropped. In the denial letter they stated that I needed to pay them {$150.00} so they could hire their own Broker to assess the property value. They have access to home sales through their own software and the county assessor why did they need a 3rd party? In XX/XX/2021, having made several calls to the company and receiving three more denial letters, I paid the {$150.00} fee and a broker they hired came out. They recommended the removal of the PMI and provided comparable home sales in the area that far exceeded the value my home had been assessed. 

This indicated to me that the insurance coverage placed on my home had been unnecessary for at least six months. I have requested and demanded a refund of the unearned premium of {$220.00} per month for the past 6 months from XX/XX/2021 to XX/XX/2021 and the {$150.00} fee should be refunded as well totalling {$1400.00}. 

I have already made this request with their representative XXXX XXXX and have received no response. My loan number is XXXX Her email is XXXX I might add that when making the request to have my home value reviewed, even XXXX Loancare 's website provided an assessed value above {$500000.00} for my home so clearly they had the ability to see the value of my home and yet continued to charge me premiums for an insurance that's only priority is to guard against the losses of the mortgage company.
Consumer complaint received 2022-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NH)

I had signed up for the US bank XXXX XXXX XXXXXXXX XXXX and when I signed up it clearly said that if I spent {$2000.00} within the first 120 days, I would get {$500.00} cash back as an introductory offer bonus and I spent over {$2000.00} in the first 45-60 days itself and I still haven't received my {$500.00} cash back bonus.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Hello : This complaint is in addition to complaint XXXX. 

Once again this morning I awoke to an additional overdraft for a charge made on XX/XX/22. It is now XX/XX/22, and according to the screenshots of my account and this transaction attached I had the funds, and the transaction did not put my account in the negative. According to Truist 's following statement, the deduction of this transaction would have been included in my available balance : " Your available balance is the money currently available to make purchases, withdrawals, and payments. This balance is updated throughout the day with the transactions you make, including pending transactions and holds. It does not include bill pay checks or checks you've written or deposited that have not yet posted. This balance is used in making payment decisions and triggering overdraft fees if applicable. '' Now I see ANOTHER pending charge for {$12.00} from XX/XX/22 that's probably going to be charged an overdraft fee, even though it was listed as pending for two days, and the deduction should've been included in my available balance, and there was previously no overdraft fee associated with it. 

Also, why did the date of the transaction for {$12.00} change from XX/XX/22 to yesterday, XX/XX/22? I didn't take any XXXX yesterday because Truist screwed up my account. 

Truist is engaging in unscrupulous banking practices to charge customers overdraft fees. I live paycheck-to-paycheck, and now once again on payday, just like last pay period, Truist is going to probably deduct as much as {$110.00} in overdraft fees from my paycheck. This bank is behaving like a predatory payday loan company. 

Please see the screenshots attached. I also have text messages listing deductions and balances, and well as phone recordings with customer service.
Consumer complaint received 2022-03-06
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. (MI)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-03-06
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. (MI)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-10-01
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Pursuant to 15 usc 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 usc 1692g ( a ) ( 1 ). 
Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

THIS IS NOT A DISPUTE. EQUIFAX BROKE THE LAW AND REPORTED UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE EQUIFAX ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED INQUIRIES ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (NM)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Suttell, Hammer & White, P.S (WA)

I received a letter from XXXX XXXX XXXX XXXX XXXX regarding a XXXX XXXX XXXX XXXXXXXX account they stated they had purchased. I sent them a cease and desist letter as well as requested XXXX days to receive the info related to said account. They did not respond within 30 days and are now harassing me. 

Reference # XXXX XXXX {$3800.00}
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. These items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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