davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
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. (NC)

URGENT. APPLYING FOR HOME LOAN. CREDIT SCORE IMPACTED BY INACTION. 

XXXX XXXX XXXX XXXX - signed to get approved in order to obtain a XXXX Membership. 
Never activated the XXXX XXXX XXXX XXXX - XXXX charged the membership on the credit card without my knowledge. Therefore, since the card was not activated, I never received : A ) Statements, B ) Emails, C ) Notification of charges. Late fees were charged since XXXX of 2016 without my knowledge. 

I was alerted LAST MONTH in XXXX of these charges when my credit score was pulled to apply for a home loan. I spoke to a representative through XXXX XXXX XXXX XXXXXXXX since I am XXXX XXXX   The representative I spoke to canceled : A ) The Bill, B ) The Late Payments, and C ) Closed the account. This should be as if the 'lateness of a bill ' never existed. I have attached the conversation between myself and the representative. 

Now, over a month later in XXXX, I found out my credit score has dropped even further due to XXXX XXXX XXXX inadequate reporting. It reads 'late ', 'delinquency ', and 'inquiries impacted report '. Questions impacted my credit score? I'm not allowed to ask a question without risking my score dropping? I was assured on XX/XX/XXXX that the issue from XXXX XXXX XXXX would be reported to the credit companies [ XXXX, XXXX, and Equifax XXXX. Obviously, that has not been done correctly. 

I am applying for a home loan and I have to be moved in by the end of XXXX due to my new job. Can you please help me resolve this?
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-18
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)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

1.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 and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
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. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights.

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

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

15 USC1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I sent a dispute letter with proof identity theft for the from XXXX for {$880.00} and the XXXX debt. I sent it out on XX/XX/2023 & I did my research and I sent them to all 3 credit bureaus certified mail but they acknowledged but they still havent removed it. A lot of the information between all 3 bureaus dont match either thats how you know the debt isnt correct. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been nearly 30 days and you they are in violation of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in violation!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructionof the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2023-08-18
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. (VA)

In XXXX I sent a letter to Experian, explaining the laws that are being broken and the errors that are made in my consumer report. I didn't receive any notification of an investigation occurring, nor did I receive any updates to my reports. This continues to affect me daily and portrays me as a person that does not honor commitments through these erroneous errors on my report. This defames my character and affects my access to good jobs and better housing. Please assist so I can have an accurate report.
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

On XX/XX/2023, I logge onto Moneygram 's website to send money to my XXXX in XXXX. This transaction is done every month for the past 3 years- my sisters and I collectively will send money to assist in taking care of our family back in XXXX XXXX On XX/XX/XXXX, XXXX my ucle explained that he was unable to pickup the money from me and my sister and wasn't given any information. I checked my email and received an email that the transaction was cancelled. It would take 10 Business days to receive the money back. I reached out to my sister she checked her email and received the same notification. When I reached out to Moneygram, they claimed that it was an internal decision to stop allowing the receiver to pickup money. It was suspicious activity. My uncle is the only XXXX  left in XXXX with my XXXX y.o grandmother- the money we send helps take care of her and medical issues. There are not many options where they live to send money- it's a hassle and discriminatory to determine who can receive money. Moneygram is a service provider-in this transaction. They should not be able to stop families from sending money on a whim. Especially without reaching out to the sender. If the receiver has suspicious activity they are accusing the sender of the same involvement.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

Hello, since I've signed up with JP Morgan Chase bank. They've been charging my account a {$34.00} fee when my account reaches a negative balance. I have looked at my bank statements from XXXX till now. I called to see if I can get that waived and they said NO, They've only allowed you three reversals a year. which I find unfair. How can you charge me for my account being negative even after money gets deposited into my account to keep it in good standing. I've went over my bank statements and wrote down the months and years I was charged {$34.00} after my account went low as XXXX. I do have bank statements that shows this information as well. 

Year XXXX XXXX {$100.00} XXXX {$34.00} XXXX {$130.00} XXXX {$34.00} XXXX {$68.00} XXXX {$34.00} Year XXXX XXXX {$100.00} XXXX XXXX {$68.00} XXXX {$100.00} XXXX {$100.00} XXXX {$34.00} XXXX {$100.00} XXXX {$270.00} XXXX {$34.00} Year XXXX XXXX {$100.00} XXXX XXXX XXXX {$34.00} XXXX {$340.00} XXXX {$34.00} That's money I could've use on my own businesses.
Consumer complaint received 2019-01-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (MA)

I am not certain how I ended up servicing my loan through XXXX XXXX XXXX   however it has been a nightmare ever since. I consolidated my loans with XXXX XXXX XXXX a few years ago. My monthly required payment never made sense to me and how it was calculated. I called countless times over the years getting different representatives each time and the information provided was never consistent. I sought out repayment assistance many of times however there was never a resolution to my problem. As a full time working woman with countless other necessary living expenses I struggled to make the minimum required payment. Sometimes I would make two payments in one month of what I could which was better than nothing. Due to the fluctuation in my monthly payment and being advised I was on the lowest repayment plan my account apparently started to go in to a missed or late payment status. This later hit my credit report which was my first notification as I have worked extremely hard on my credit rating the past few years to be disturbed and find out it was all for nothing. My credit dropped over 100 points due to this. I attempted to appeal it with the US Dept. of Education however I was contacted by XXXX XXXX XXXX instead. I filled a formal complaint and was denied. Cited in the correspondence received from XXXX XXXX XXXX it was stated that they attempted to contact me by phone and mail however neither were ever received. I truly believe this is bad faith/ bad practice and I should not suffer these consequences due to their bad faith. I am now financially in an extremely difficult situation as I need to move and replace my vehicle and can not do either due to the hit on my credit report from XXXX XXXX XXXX. This has created a lot of issues for me financially. I do not feel that if I spent another 30 minutes on the phone going back and fourth with customer service that it would do any good as there are never changes to my account or monthly installment after help is sought.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Trans Union llc- Freezes my credit and l did not request any freezes, of credit, when call to unfreeze my credit, they ask generated question not on my credit report.. XXXX XXXX XXXX. I could not apply for home mortgage According to XXXX XXXX know one can view my credit report ... Because is frozen. I need your help to stop embracing and harrasing me..
Consumer complaint received 2023-08-18
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. (FL)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND I'M HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING COLLECTIONS ACCOUNTS AND LATE PAYMENTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, and driver 's license This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMER 'S CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT LATE PAYMENTS AND COLLECTIONS ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT.

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP.

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!

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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions DELETE THESE ACCOUNTS AND INQUIRES IMMEDIATELY FROM THE CREDIT REPORT. 

Collection : XXXX  Account Number : XXXX Account Status : Charge Off Open Date : XX/XX/2021 XXXX
Consumer complaint received 2019-01-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

A few years ago I applied for and received a loan from Springleaf Financial, which was eventually acquired by OneMain Financial. Initially, monthly payments were being applied toward the principle and the loan amount decreased. Once OneMain assumed ownership, communication processes devolved and loan interest began to accrue.

A little over a year ago, my payoff balance for the loan was {$4800.00}. I became ill and was forced to leave my job and spend most of my savings on medical bills. I maintained contact with the loan agency and set up what they referred to as a " mod '' or modification agreement. I would pay {$90.00} a month for 6 months to " get back on track '' with payments and continue to pay down the loan once I started working again.

Over the past few weeks, I have requested documents - including all payments made since the beginning of the loan, as well as the initial loan agreement from both Springleaf as well as OneMain - and have yet to receive any, although three staff members of OneMain have promised to send them.

I called today - XX/XX/XXXX - to see what the payoff amount would be, and was told it would be over {$5200.00}. After taking a closer look at XX/XX/XXXX statements, it appears " mod '' agreement payments were over 90 % interest, with just over {$3.00} going towards the principle.

This may be legal under state guidelines, but it is not right. I was never informed that modification payments would only net {$3.00} towards the principle, while the remainder of the loan accrued interest. I have now paid more than {$2000.00} to OneMain, with zero  reduction in overall balance. I have sought out legal advice and hired and attorney, and I request the CFPB investigate OneMain for fraudulent and misleading practices.
Consumer complaint received 2023-08-16
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (FL)

I am composing this dispute letter on my own behalf. Please be aware that I am well-informed about my rights, as I have recently familiarized myself with US laws . I am aware that, under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), I have the right to safeguard my privacy and medical records from third parties. It is important to clarify that I do not grant any third-party collection agency access to my personal financial information. While I acknowledge that HIPAA allows for limited disclosure of information about me, such details may only be disclosed with the patient 's explicit authorization. Consequently, my request comprises two aspects as outlined below :
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (FL)

As you know that there is no way for the public to pay debts since gold was confiscated by us govt in 1933. We were left with no way to pay for anything other than promissory notes offered by the Federal reserve. These notes simply tender the debt to a later date. They do not pay off debt. The only way to do that is by gold or silver. I paid my debt in silver. The company refused to accept my payment for debt discharge and according to XXXX law any valid form of debt payment if it is refused the company must now discharge the debt. They stole my payment and are refusing to follow the law set forth by the ucc. I placed them on notice of a proper lien that I filed with XXXX  in my state and they did not dispute it. They have now stolen my property and the company they used to facilitate this theft is also denying me access to my property. You can not reposses property without a court order. Something they can not obtain bc the debt was paid in full. I am in desperate need of the return of my property. And local law enforcement will not do their job and recover said property. I don't know who else to turn to. But I do know that president Trump put out multiple executive orders to provide the people remedy through this bureau so I am requesting that this be done. I am in need of remedy immediately. Thank you. I can be reached at XXXX XXXX XXXX.