davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

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

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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Consumer complaint received 2024-10-31
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. (TX)

To Whom It May Concern, Thank you for taking the time to review my file and to help me with this matter of dealing with XXXX XXXX XXXX. To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I submitted my dispute via XXXX on XX/XX/XXXX and Credit Reporting Agency received it on XX/XX/XXXX and sent me the results on XX/XX/XXXX ( XXXX ) Days. 

The basis of my dispute was that my privacy rights are being violated.

FCRA Section 602 states I have a right to privacy and FCRA 604 ( A ) states a credit reporting agency can not furnish an account without my written instructions.

By not replying in a timely manner to my initial dispute you have not only violated Federal law, but you have failed to provide a copy of any viable evidence, bearing my signature showing that the account ( s ) are being reported with my written instructions in accord with laws that protect me as a federally protected consumer which is FCRA 602 and FCRA 604 ( A ) .Be aware that I am making a goodwill attempt to have you clear up this matter.

The listed items that were verified /updated I want deleted due to your untimely investigation : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
Trade : XXXX XXXXXXXX XXXX XXXXXXXX. 
Trade : XXXX XXXX XXXX # XXXX. 
Trade : XXXX XXXX / XXXX # XXXX Trade : XXXX XXXX XXXX XXXX. 
Trade XXXX XXXX XXXX XXXX XXXX 
Trade XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Trade : XXXX XXXX # XXXX. 
Trade : XXXX XXXX # XXXX : Trade : XXXX XXXX # XXXX. 
Trade : XXXX XXXX XXXX 

I am maintaining a careful record and will file a complaint in court if you continue in your non- compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) you may be liable for your willful non-compliance.

I will be seeking {$1000.00} per violation.

1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of Fair Credit Reporting Act
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (NY)

i have contacted USBANK to kindly remove the 30-day late payment that they reported on my XXXX and XXXX reports but they refuse to remove it and they are in the violation per the FCRA which states that all information on credit report should be 100 % accurate.
Consumer complaint received 2020-05-08
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (WA)

On XX/XX/2020 I applied for a program to assist with my student loan and applied for a small personal loan through my bank. On XX/XX/2020 I received a denial from my student loan lender and from my bank, both reporting that my VA Home Loan with LoanCare - XXXX XXXX in XXXX  XXXX VA has reported me to the credit bureaus as being in forbearance and on the " verge of losing my home '' and declining to make payments. I made several attempts to reach someone at Loan Care and was put through the calling tree. I made several calls to several numbers, all phone tree and now way to reach a live person. I found my suspended payment letter from Loan Care - my payments  are suspended currently due to COVID, and attempted to call the Mortgage Advocate listed. Phone tree. I have been unable to reach anyone. My credit is now ruined, which was not great to begin whit and I have been working very hard to repair. Checking my credit score I see I have went down almost 60 points due to this Loan Care debacle. I can not get anyone at LoanCare to speak with me, respondent to me or find a live person to speak with. I attempted to submit a dispute through XXXX  and have been told I need several pieces of documentation. I am unsure where to go from here and am very upset that this is a VA home loan, that I was told suspending payments during COVID would not be reported to credit agencies, and has been. Advice?
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I was supposed to take out loans XX/XX/XXXX I have not taken out any loans I'm XXXX XXXX XXXX XXXX have no interest going to school now when I called to check on them when it hit my credit report they could not pull any information up by my phone number my name my email or my address only by my social security number and the information that they have under my birthday and social security number name is not mine I've been back in Virginia since XXXX XXXX about my son back to bury him here I've only lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX and now I'm in XXXX have tried to reach out to these people several times they keep saying I need to talk to the supervisor after being on hold 4 hours to get with them then I've got another 5 hours before I finally hang up this has been ongoing since the end of XXXX when it hit my credit report through XXXX XXXX not the three major ones so I done a police report lock my credit and put a statement on my credit reports first come out it was only like {$1400.00} now it's up to {$3200.00} Mohela has added more to it have requested information cuz I know to do the student loan you have to prove who You are got nothing from them credit bureaus are no help they just certify that it's alone in my name have filed report with XXXX feel like I'm beating my head against the wall
Consumer complaint received 2020-05-08
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: JPMORGAN CHASE & CO. (IL)

On XX/XX/2020 I booked an XXXX for XXXX. I agreed to make two payments on my Chase card, one on XX/XX/2020 and one on XX/XX/2020 ( a few weeks before check in ). On XX/XX/XXXX my card was charged XXXX. On XX/XX/XXXX, I got a notification that there was a price drop so I would be getting the difference of XXXX dollars. Instead of processing a refund, XXXX charged me XXXX dollars on XX/XX/2020. Months before I was supposed to be charged. XXXX is claiming they arent sure what happened. I think this is very convenient considering the fact that they just laid off 30 % of their workforce and are clearly strapped for cash. I did not offer to give XXXX an interest free loan but they are not processing any sort of refund on the fraudulent charge. Clearly this is a system error that they refuse to acknowledge! Please help. I have all the receipts and documentation you need!
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY ()

I am an XXXX citizen and live in XXXX. I worked for an American company ( XXXX XXXX ) and have received a pension from them since XXXX. The payments were made by XXXX XXXX into my Wells Fargo account. In XXXX I was advised that I had to close the Wells Fargo account because I didn't have a residential address in the USA. The balance ( US {$1600.00} ) was sent to me in the form of a XXXX, dated XXXX XX/XX/XXXX and the account was closed. There is no bank in XXXX that will cash a foreign XXXX  so I have not been able to access these funds. With the help of my daughter we called Wells Fargo, however no-one was prepared to help us. They said that since they had sent the XXXX  and closed the account, from their point of view the matter was finalised. We asked if we could post the XXXX  back and have the funds sent by wire transfer instead but the answer was no. My daughter travelled to the US in XX/XX/XXXX and visited a Wells Fargo branch with my passport, the XXXX  and a letter of authorisation from me. They refused to assist her stating that I had to be present for the XXXX  to be cashed. I find all this extraordinary as this is MY money, not the bank 's. I am XXXX and could really use the funds. I would appreciate anything you can do to resolve this matter. Thank you.
Consumer complaint received 2020-05-08
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: EQUIFAX, INC. (OH)

I opened two credit card accounts with XXXX XXXX in 2006. When I opened them I also took advantage of the unemployment insurance they were offering, as I found out later was completely fraudulent. When I became laid off from my employment, I tried to use the insurance which was completely and utterly worthless. My accounts with them were in dispute for quite some time until it became clear that they were not going to honor the insurance they provided me. In the meantime while the dispute was going on I was getting late charges and derogatory remarks on my credit until this day. They were taking advantage of peoples trust. The fraudulent insurance scheme has stopped, but I'm still paying for it through my credit reports showing all those late payments that were not supposed to be reported during a dispute process. I had to eventually pay them, late charges and all, which have been at a zero balance for five and six years respectfully, but XXXX XXXX refuses to take off my credit report. They got what they wanted, why are they still trying to hurt my credit? Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Dispute of Inaccurate Credit Report Information Dear Sir/ Madam , I am writing to dispute incorrect information on my credit report. After reviewing the report dated XX/XX/XXXX, I found several errors that need to be rectified as soon as possible. Please find below the specific discrepancies I have identified and my request for corrections : 1. Name Discrepancy Incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of XXXX XXXX : XXXX Correct : XX/XX/XXXX XXXX. Address Discrepancy Incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Correct Current Address : Incorrect Previous Address : XXXX XXXX XXXX, XXXX, PA XXXX Correct Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Correct : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 4. Employer Information Incorrect : WFS Correct XXXX XXXX XXXX  New York Please investigate these discrepancies and correct them promptly. I have enclosed a copy of my Pennsylvania Limited License for your reference and to verify my identity. I trust that you will update your records and reflect the accurate information in my credit report. 

If you require further information or documentation, please do not hesitate to contact me. I expect a written confirmation of the changes once they have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KY)

XX/XX/2020 My name is XXXX XXXX, I have looked everywhere for help. My daughter passed away on XX/XX/XXXX and I spent everything I had and then some just to get her cremated. I couldn't even have her buried. I was evicted after the eviction ban and I borrowed the money to rent a place, I was {$300.00} short and a friend decided to send it to me via PayPal. They claimed that I violated user agreements and put a permanent hold on my account and in 6 months I might be able to get my money. I had {$370.00} and {$300.00} in a moving fund, I lost the money that I put down on the house. So I am XXXX XXXX XXXX XXXX XXXX XXXX with my daughter 's ashes and have not eaten in 3 days. Will you please send a letter to PayPal and demand them to return my money? I thought about getting a lawyer because this has broken my spirit. I am so XXXX  and I feel XXXX, I think they should pay enough in damages at least so I can have a home and bury my daughter. But if all I receive is my money, I will count myself lucky. Thank you for reading this.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (AL)

I contacted US Bank about incorrect reporting of balance information through all three credit agencies. US bank claims to have charged off the account but they still collected interest for months after the account was charged off. It reports via all three credit agencies that the balance is {$3300.00} when the charged off amount was {$2800.00}. By law they can not continue to collect interest on a charged off account without disclosing that information to me which has not been done. Section 1692g ( a ) ( 1 ) of the FDCPA states that debt collectors must state " amount due '' when communicating. In addtion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court also addressed how debt collectors must communicate interest accrual to debtors. Neither of  these have happened. When I submitted a dispute with each of the credit bureaus, I recieved notifications that nothing would be changed and the information is correct. I have proof via XXXX that the amount charged off and the amount US Bank claims I owe differ.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (AL)

On XX/XX/2020 my account was compromised for the 2nd time and I contacted Iberiabank to close my account or stop payment on this fraud, but they continued to let the action take place. This was the 2nd time an online compromise was made to my debit card and account. The bank shut down my debit card and left my account negative. I currently had to take a lower paying job at my place of employment which was over a 10 % decrease in my pay and knowing my payroll check was direct deposited, I had to actually get aggravated and mad before Iberiabank would step in and lend me funds to get me through the work week. I had over {$1000.00} in my account at the time of the fraudulent withdrawals and had numerous automatic pays coming out of my account in which they covered, but I feel I had to get upset before they realized I needed help. The bank credited my account and then the online company credited a portion of the fraudulent charges too so, Iberiabank had to do a reversal and seemed to get upset with me. After Iberiabank seen the account got some credit from the company they proceeded to tell me that they were gon na wait 30 days for the company to credit all the money back and if they didn't then they would proceed to refund my money. I am still owed over {$300.00} if that is even correct, but yet to see the money in my account. I have a loan with Iberiabank and out of no fault of my own they proceeded to deduct late charges from my account because I had no money in my account to pay the loan at the due date from the fraud. I am beyond mad at this bank and have been a customer for about 5 years since I relocated to the area from my current employer. I feel the bank was notified by myself in time to close my account and to make this matter right. If I ever get the remainder of my money back I will be closing my account. Once I told the manager of my experience and that I was closing my account they neglected to even tell me my debit card had came into the branch and just assumed I could drive over 30 minutes to make withdrawals since I was closing my account. I know I don't make the money now as if I did before, but I am still the same customer and should be treated with the same respect. This bank is far behind on the aspect and knowledge of customer service and how to go the mile for its ' members. Worst experience and still suffering from the fraudulent mishap and not 100 % credited the money I was taken by the company. Please help others before this happens to them and share my concerns.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selip & Stylianou, LLP (NY)

POSTED AT : XXXX XXXX XXXXXXXXXXXX XXXX XXXX. I am seeking a dismissal based on the organized fraud, fictional administration, betray the constitution, denied due process, discriminatory treatment, and deceptive business practices, rendered in this matter. 
3. I, XXXX XXXX, the alleged defendant demand that this matter is dismissed with prejudice for the following reasons : 1. The alleged Plaintiff can not establish standing to sue.

2. There is no evidence that substantiates any jurisdiction in this matter.

3. There is no contract attached anywhere.

4. There is no Affidavit by or from the alleged Plaintiff anywhere.

5. There is no Verification of the lawsuit.

6. I have no business relation with the alleged Plaintiff Attorney XXXX, Attorney Registration No. XXXX, who is a NYS sanctioned for MISCONDUCT debt collector attorney. Please see exhibit 2. He is a stranger I have no business with. He is scamming the court system by acting as Plaintiff, Plaintiff owner, witness, attorney, injured party, and debt collector. 
7. There is no valid complaint or summons in this matter. I have an expired statute of limitations Summons. The Summons was mailed to me after 120 days, it was allegedly filed XX/XX/, and was mailed to me XX/XX/, and received by mail XX/XX/. Such improper service is objected to and is over the 120 days SUMMONS statute of limitations. Please see the Plaintiff expired summons filed in this matter at exhibit 4. Please see the summons envelope showing the commencing of this expired summons lawsuit XX/XX/2023, at exhibit 3. 
8. I have not been served any summons and complaint regarding this matter. There is no proper service. 
9. On XX/XX/2023, I received via US Postal Mail, the expired over 120 days alleged Plaintiffs Summons to this matter and the organized fraud complaint attached, with no verification, no affidavit, no sworn statement, no real party in interest, no testimony, no standing, and no jurisdiction.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX