davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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. (AL)

In accordance with the fair credit act XXXX  Account number : ( XXXX XXXX XXXXXXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX Department of Defense ) and Account ( XXXX XXXX XXXX  ). All of these accounts have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have 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.
Consumer complaint received 2023-04-03
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2022-09-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Today is XX/XX/2022. On XX/XX/2022 my wife & I successfully established links from our XXXX savings accounts at Capital One Bank to two external bank accounts at XXXX Bank, both being on-line banks. This included entering 2 trial deposit amounts that Capital-One placed in each of the XXXX XXXX XXXX  accounts XXXX Then from within the CapitalOne website, we each made transfers from each of the XXXX XXXX Banks to each of the two CapitalOne savings accounts. One transfer was less than $ XXXX and the other one around $ XXXX. On XX/XX/2022 we get emails from CapitalOne to inform us that due to " unusual activity '' they were restricting ( which turned out to be freezing ) each of our two accounts. I contacted them and they claimed that they had to put a hold on the transfers for 15 days. At this time, we can not withdraw anything, but can only deposit to the two CapitalOne savings accounts. I believe that this is unreasonable! We are not terrorists nor money launderers. Meanwhile, the amounts have been deducted from the XXXX savings accounts & transferred to the CapitalOne accounts.
Consumer complaint received 2023-02-17
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. (NY)

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 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 a account without my written instructions
Consumer complaint received 2023-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (PA)

I received a phone call in XX/XX/XXXX from XXXX representing DNF Associates saying I owed on XXXX XXXX account they claimed I last paid in XXXX. I told them I did not recognize that account and it isnt mine. On XX/XX/XXXX I received an email from XXXX representing DNF Associates saying I owe them on an account now saying the last payment was in XXXX - so the rep lied as the date now makes it out of the statute of limitations to sue since I do not even claim this account. I also got a letter from them a few days later. I completed the form to dispute and returned it via certified mail. I got the received receipt early XX/XX/XXXX. Never received any information from DNF showing I own this account. Then beginning in XXXX I received contact from DNF through XXXX XXXX. The email sent on XXXX gave me an amount but no dates at all. Shortly after I got 2 phone calls a day for a few days. I called and told the rep it is not mine and I am disputing it. She became belligerent talking over me saying she doesnt believe I dont remember and that it wont do any good to dispute it. I hung up. I sent the dispute form in and on XXXX filed a complaint with the PA Attorney General. After XX/XX/XXXX DNF added this account on my credit report- despite not validating this debt. I believe they know they cant validate it as it isnt mine and they are trying to bully me into paying by barraging me with debt collectors and adding unverified info to my credit report
Consumer complaint received 2023-02-17
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. (FL)

In accordance with Fair Credit Reporting Account # XXXX Dept of ED/XXXX, XXXX XXXX Dept of ED/XXXX, # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept of ED/XXXX, # XXXX Dept of Ed/XXXX, # XXXXXXXX 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 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (OK)

I had a low income & repairing my credit. I was looking for a used XXXX not to exceed XXXX sales price. 

I went to a dealership in Oklahoma, put cash down XXXX. At an interest of 21 % XXXX monthly payment for 72 months the loan. Ive purchased two vehicles at the price of XXXX before and done so successfully. Ive done extensive research into how to purchase a vehicle to best build my credit according to what my credit was, my plan was to refinance in a year. Ive fallen behind on payments due to XXXX I cant seam to get caught up. I set arrangements but continue to get harassed to repo my XXXX although there are notes regarding the plan to get caught up. Ive applied for small loans, payday loans and am denied, anything to get caught up so I dont loose my car as I am a single mom I need it to work. On top on that since XX/XX/2022 the car had not been running. Ive replaced alternators, batteries, grounding cables, etc. It is now misfiring and I can not put anymore money in it at the time so Ive been just paying XXXX to get back and forth to work and its extremely expensive. 

I was studying consumer law to see what I can do to help my credit and came across a lawsuit against the auto finance company I have my car through. The investors have sued this company and won. There is now a consumer call action lawsuit and the complaints worried me so I retried my initial agreement and After reviewing it saw there were about XXXX added other charges to the initial price I was not explained at purchasing. I also saw the finance charge is {$10000.00} with an finance amount of {$12000.00}. The total payments would cost XXXX and the total same price was now listed as {$24000.00}. Term is 72 months at XXXX. 

This vehicle year after doing research has extensive engine issues and XXXX is fighting against putting a recall on this year but are being brought to court due to the extensive issues resulting from the way the engine was built in this model. I say this because I cant afford to continue fixing a car that has hundreds of complaints of customers with the same issues that only worsen. Only to find that I cant refinance it, get a loan to get payments caught up, and am being charged {$24000.00} for a loan that the purchase information page of my agreement ( which is the only part my sales men explained ) reflects a total balance due of {$12000.00}. The interest is confusing. Im not sure what to do Ive never seen an issue like this to know how to look for it initially. I was hoping to build my credit but am now afraid of bankruptcy.
Consumer complaint received 2023-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (AP)

First Issue, COVID Payment Reimbursement : In XXXX 2022, I requested a refund on all of the payments I made during the COVID payment pause. In early-mid XX/XX/2022, my accounts were moved to Mohela. XXXX processed the request for a refund immediately but subsequent to making the payments, I closed the bank account I made the payments from. The payments were then going to be issued to me in checks but the Department of Education " put a hold on the repayment '' according to the Department of the Treasury. This resulted in me spending over 10 hours on the phone over several days calling XXXX, Department of Treasury, Department of Education and Mohela. Finally, Mohela re-requested the repayments be issued by check. A few weeks later, I received a check for {$18000.00}, which was {$9400.00} short of the full amount I was owed. I have since called Mohela several times and they will not give me an explanation for why the repayment was short or if I will be receiving additional repayment checks. I am very concerned that my initial request for a refund was in XXXX of 2022 and seven months later I still do not have the full refund or any explanation of what is going on with nearly {$10000.00} of the refund.

Second Issue, Employment Certification Forms : In XXXX 2022, I submitted my yearly employment certification forms for PSLF to XXXX while they were still servicing my loans. In early-mid XX/XX/2022, my loans switched to Mohela. I called numerous times from XXXX to XXXX and would be told non-committal answers like my account information was still transferring or they could see my forms had been received and to give it 90 business days to process. Finally, in XXXX, I called Mohela again and asked for a supervisor review of my Employment Certification Forms. They agreed to have a supervisor review my forms, but estimated another 90 business days for it to be completed. I have several concerns with this response. First, why is it taking almost a year for Mohela to review forms that would take XXXX at the most two weeks? Second, my previous agency is in the process of shutting down and soon there will be no HR left. Once this happens, getting a form certified is going to be nearly impossible.

Both of these issues have caused me to spend hours on the phone trying to resolve the problems and I still do not have a solution. These are hours away from my young child, hours spent missing work.
Consumer complaint received 2023-07-09
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. (IN)

I have written letters to Credit bureaus about the errors on my credit report three times and always comes back accurate. I know there has been no investigation because I clearly provided them with the credit report the accounts to be removed immediately. The Fair Credit Reporting Act states if any credit report is not 100 % accurate, It must be removed or the business is subject to a {$1000.00} violation. Which I will pursue if these accounts are not removed immediately. XXXX will not give me a copy of my credit report unless I pay for it as the representative of XXXX said to me.I said, I am supposed to get a free copy of my report. The representative hung up on me, which is a violation of the FCRA Law. I am extremely disappointed with how I have been treated, ignored, and deemed as less than for expressing what has been set in place for people like me. I am looking to resolve this in a calm, quick and hassle-free manner without having to escalating my problems further to those willing to listen to me and take my concerns serious. 
15 USC 1681 A 4 : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2022-07-15
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. (MI)

On XX/XX/2022, I sent off the investigation letter to make sure all of my accounts were properly investigated, and to make sure everything was 100 % correct. The credit beaureaus stated that the date the account was opened was XXXX. That information is incorrect. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2. 

The law clearly states a consumer reporting agency can not furnish an account without my written instructions.m I havent given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

Dear Sir/Madam, I am writing to dispute the reporting of child support account # OAG ID XXXX on my credit report. I am XXXX XXXX, and I have reviewed my credit report and found that the reporting of this account is inaccurate and is negatively impacting my creditworthiness. 

I understand the importance of paying child support and fulfilling my obligations as a parent. However, I have fulfilled my obligations in a timely and responsible manner. I have never been delinquent on any child support payments, and there is no reason for this account to be reported as negative. 

The inaccurate reporting of this account is affecting my ability to obtain a home. I have applied for a mortgage, and my application was denied due to the negative reporting of this account. I am concerned that this inaccurate reporting will continue to impact my ability to obtain credit and loans in the future. 

Therefore, I request that you remove child support account # OAG ID XXXX from my credit report. I have attached documentation that supports my claim of accuracy, and I kindly ask that you review this information and take appropriate action to remove this account from my credit report. 

Thank you for your prompt attention to this matter. Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-03
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. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

Hello, I reopened a Wells Fargo account within one week they closed stated a business decision and will not give me a reason they stated they closed my previous account back in XXXX for the same reason and I disputed because their was no reason to close my account. I have done no wrong and feel either this was done in error or for discrimination because I have done no fraud or had any high risk on my account. Please reconsider and give records of why this decision was made. At first I did not remember the account closure but after speaking to Wells Fargo I did remember disputing this when I went to open a account last week I had no issues so after speaking with them today XX/XX/XXXX I thought the issue was resolved because I was able to open an account
Consumer complaint received 2023-02-06
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: JPMORGAN CHASE & CO. (CO)

On or about XXXX XXXX, on a flight from XXXX to XXXX, I used the Chase Southwest Rapid Rewards Priority Card to obtain an upgraded boarding position as I am entitled to four per calendar year. Due to the Chase " system '' two of the four were improperly used by the Chase system violating the term of agreement wherein I am entitled to receive 4 upgrades. Due to an error in the Southwest system, the wrong leg of my flight was upgraded and I immediately notified Southwest. They apologized and said that it was an error but that they could not do anything about it. I notified Chase that the charge was invalid as Southwest admitted that it was their mistake. Chase put the amount in dispute. I noticed, within a few days, Chase posted a credit to my account and I believed that was for the dispute. In reality, that was the system using up one of my four credits per year. After Southwest read my e-mail, they agreed that it was completely their fault and they issued a credit refunding me for my purchase. Chase, seeing that the amount I had disputed was credited to my account, went ahead and rebilled the original charge and the system then credited me for the rebilling of the original charge, using the second of my four free upgrades all because the Chase system messed up - twice. On my XX/XX/2022 billing statement, I ended up paying for the rebilled credit despite the fact that the net sum should have been zero dollars- and NONE of my upgrades being used. I asked Chase why I was charged for an amount that the biller refunded and Chase said it was because Chase and Southwest both paid me and that I they were charging me for the extra amount they credited me due to the dispute. I disagreed, but the card was on autopay and Chase refused to put the overcharge from them in dispute despite my not owing them since they rebilled me. However, they also used two of my four upgrade credits as well which means I basically paid three times for an upgrade I did not use. I only found out about this when I saw that after ACTUALLY using two of my four upgrades, Chase stated I only had one left and the second one was actually my fifth. Over the last month, I have been going back and forth with Chase asking them to audit their system and see that they actually have improperly taken {$120.00} from me - wrongfully using 2 upgrade credits and also charging me for an upgrade I did not use and that Southwest had refunded me. Rather than helping me and honoring the terms of their agreement, the least message I received said they would no long reply on this issue despite the violation of their own terms.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

Hello, I was charged XXXX transactions on my Wells Fargo XXXX credit card. 

My card initially had a expiration date on XX/XX/2022 where the company sent me the new card but I did not receive it. I did receive a text message for the fraud charges where I immediately called Wells Fargo to send me a new card. 

The XXXX transactions occurred in XX/XX/2022 but the new card states the transactions happened on XX/XX/2022 : XX/XX/2022 - XXXX {$100.00} XX/XX/2022 - XXXX XXXX {$91.00} XX/XX/2022 - XXXX XXXX {$38.00} XX/XX/2022 - XXXX  's {$21.00} I have called the fraud/claims department at Wells Fargo but they stated that the purchases were valid. 

Please help.