davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (AZ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-02-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (IL)

In XXXX, I applied for a store credit Wells Fargo card and was approved for a {$12000.00} credit line. I paid every payment on time, but received a notice that my account would be closed in XXXX, which damaged my credit. My credit has yet to recover from the credit line being closed abruptly without cause. I reached out to Wells Fargo about the matter to only find out that weren't offering this line of credit any longer.
Consumer complaint received 2023-02-08
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)

In accordance to the Fair Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 602 A States I have a 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 2023-02-08
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, and XXXX from 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 2023-02-08
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. (SC)

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX, and XXXX from 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 2023-02-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE and XXXX DEPARTMENT OF EDUCATION have both violated Consumer Law. ( Title15 USC 1681a subsection 603 ( 2 ) ( a ) ( 1 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. I didn't authorize them to report late payments or utilization. Please promptly have them remove these items off my credit report across all XXXX  reporting agencies.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Name Address : XXXX XXXX XXXX  XXXX, NY XXXX Date : XX/XX/2023 I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

Account name XXXX XXXX XXXX XXXX  Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove ti from my credit report.
Consumer complaint received 2023-02-08
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 the Fair Credit Reporting act The Bankruptcy that is showihng on my credit has violated my consumer rights.

16 USC 1691 States I have a right to privacy.

16 USc Section 604A It also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Amerifund Home Mortgage LLC (NY)

I applied for a mortgage asking specifically asking for a no ratio loan. the banker XXXX XXXX at amerifund home loans confirmed he could get me such a loan and sent me a term sheet. the term sheet required that i wire him a deposit which i did. After much follow up he came back saying he could only get me a loan if i provided a XXXX XXXX XXXX  statement. I told him that i was unable to. he replied he has another option for me then at much much higher rates and fees which i was not interested in. he then told me my deposit was forfeit and he was keeping my money since i didn't send him the documents he asked for. please help!!!
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2017-01-19
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (NY)

I am writing to you in regards to lost TD gifts cards and my inability to get proper customer service from the XXXX bank branch and from TD bank telephone customer service. On XXXX XXXX, XXXX, I bought {$2000.00} worth of gift cards from TD bank located in XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. Unfortunately, I lost XXXX cards ( XXXX for {$100.00} and XXXX for {$50.00} ). I immediately called TD customer service to report the lost cards. They said that they would put a " freeze on them ''. After a great deal of time and effort and many phone calls, I was told that I could go to any branch and get replacement cards or a return of my money ( {$150.00} ). When I went back to TD, the manager and another office worker said that they do n't return cards/money. In fact, they had no idea of the procedure when someone loses a gift card. They proceeded to call various numbers for information. They were put on hold for long periods of time. They asked me to come back. I returned hours later and they still did not know how/when I would be refunded. Eventually they said I would be mailed XXXX new cards. I went home and called customer service again, and they confirmed that I would receive the cards in 2 weeks. I have been calling TD customer service since XXXX and each time I call, I get a different answer as to how I will get my money back. It seems no one understands the policy involving lost TD gift cards. Yesterday ( XXXX/XXXX/XXXX ), I received a call from the manager of the XXXX bank and he asked me if I had " registered the giftcards ''? I had no idea what he was talking about. He said that, " If you had registered the giftcards, then we " could '' have given you your money back. '' However, it is not our policy to give the money back unless they are registered. I purchase these cards every holiday season for gifts. In fact, I buy {$2000.00} worth of cards each year. NEVER has anyone ever suggested that I register these cards in case of lost. I am so frustrated and disappointed in the lack of professionalism and knowledge that the manager and staff display at TD. I have invested a lot of time and effort in trying to rectify this problem, and the " run around '' treatment I have endured over the past 3 weeks is disgraceful. And to make matters worse, I have now been told that I will not be refunded for the cards.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

wanted to get some negative reports removed from credit report. I have several loans with Navient and have found that things reported or not true. I have been talked into doing income based driven plans and forberernace. put once those things have been completed its as if I did n't make any payments or the payments has increased and hit negatively on my credit reports.
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Equity Advantage Holdings, Inc. (PA)

I received an email from XXXX saying I owe {$240.00}. I called and they said it was an error. They sent me another email saying I owe {$77.00}. I called XXXX XXXX where I originally took out the loan and they said that my account was fine and paid in full. 

XXXX XXXX gave a mailling address to send payment to as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not pay it. But I am concerned that they have my information.
Consumer complaint received 2023-02-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an 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 or 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 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I had a mortgage account with Wells Fargo for many years and they gave my wife and I a hard time regarding our refinance. We initially bought our home in XXXX and sold it in XXXX. However, our mortgage company was Wells Fargo for about 15 years. How can I find out if I can start a claim for the XXXX settlement?
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (NC)

**** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** READ THE MESSAGE OR ASK SOMEONE WITH A FUNCTIONAL KNOWLEDGE OF ENGLISH TO ASSIST YOU**** **** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** READ THE MESSAGE OR ASK SOMEONE WITH A FUNCTIONAL KNOWLEDGE OF ENGLISH TO ASSIST YOUXXXX  On XXXX, I submitted documents for an employment data report from THE WORK NUMBER by Equifax . The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. After getting no reply, I submitted a new request and set of documents on XXXX. The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. I submitted a new request once again on XXXX after not getting any feedback and included the above reference numbers as a reply. I did get a response from that said there were no attachments found in my prior submissions. That is clearly wrong as evidenced by the referenced screenshots. I informed THE WORK NUMBER as much in a subsequent reply that, once again, included the requested documentation. The reference number is XXXX. See attachment XXXX '. After submitting the reply on XXXX, I also attempted to call THE WORK NUMBER in order to speak with someone that could confirm that the documents were received. I was unable to find any option in the phone tree for someone in that department specifically. I did speak to someone that I believe was general support for THE WORK NUMBER by Equifax and they were supposedly able to get a message forwarded to a manager regarding this issue, but it appears that has not helped. 

I then opened a complaint with the CFBP on XXXX, which the company responded to by completely ignoring my message and sending a copy of my regular credit report. They clearing lack any sort of reading comprehension skills. I AM NOT ASKING FOR A REGULAR CREDIT REPORT. I AM DEMANDING MY REPORT FROM ___THE WORK NUMBER__ which is owned and operated by Equifax.
Consumer complaint received 2023-02-08
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. (MA)

2 separate applications were submitted under my name that I did not authorize. One was on XX/XX/XXXX and the other was on XX/XX/XXXX. I was alerted to the submissions by credit monitoring that I have. I submitted a dispute on the first one on XX/XX/XXXX, then put a freeze on my credit on XX/XX/XXXX at Experian. I put credit freezes at XXXX and XXXX on XX/XX/XXXX, then a fraud alert on my account at Experian on XX/XX/XXXX.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (UT)

I applied for a credit card with Venmo which is backed by Synchrony Bank, of course, I put all my correct personal information in the application form, and everything worked perfectly until XXXX day I find myself checking my info in the Venmo app, I notice that my email, and phone number, and address had been changed, I decided to call the customer service department and also observed that the automated system did not recognize the last XXXX digits of my social security number, clearly this information had also been changed, When I finally get to speak to a representative they takes my complaint and tells me that I am going to receive a correspondence requesting some documents, indeed several letters have arrived and I have sent the same information many times, the same forms, I have signed everything I had to sign so that they do their checks and my problem has never been resolved ( on XXXX occasion they told me that they had not received the documentation, which makes me think that they do not have control of their correspondence ), I have talked to many customer service representatives and nobody has answers, honestly, I don't know what to do and although they closed my credit card I have never stopped paying on time. 

Before this situation with this bank, it had also happened to me that credit cards had been requested or issued in my name that I had not processed and I realized this by letters that arrived at my address, which I also reported. 

This company has committed several cases of abuse with my personal information and for proof of this, I am going to attach information from another situation I had with them.
Consumer complaint received 2023-02-08
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. (FL)

XXXX XXXX XXXX  with whom I was on an e-statement basis, charged the annual fee in installments and added late fees, never advised me the charges were added - I had not used card for months and had a XXXX balance previously and NEVER late. They reported my payment as late to the bureaus. When I discovered this I contacted them, they negated all charges- if they removed the charges that is tacit agreement that they never should have been charged - and I closed my account. One of the bureaus still shows me with a balance with XXXX XXXX, there is none, and shows the card open, which it is not. 
I want the bureaus notified that I was NOT LATE- this was XXXX XXXX XXXX XXXX  fault for not sending me any indication that there was a balance due - and I want the Bureau records changed to eliminate my ever having been late. My payment record with all XXXX  accounts which I have is otherwise completely unblemished, not ONE late payment. This is completely unfair.
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC (GA)

The amount of debt of {$7400.00} is not accurate. The company, William Rush & Associates has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned, I do not owe this amount and deny their allegation. I've previously files a complaint ( XXXX ) against the company on XX/XX/2022 and filed several disputes where the collection was removed. I received a letter from them again attempt to collect a debt that is 8 years old. A copy of all the supporting documents will be attached with this complaint. Please advised if the company has violated my privacy rights so i can take legal actions against them.