davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

REQUESTED WIRE TRANSFER OF {$60000.00} TO XXXX XXXX  TO START A E-COMMERCE BUSINESS, TRANSFERRED THE MONEY VIA WIRE TRANSFER FROM MY ACCOUNT AT WELLS FARGO TO XXXX XXXX ACCOUNT ALSO AT WELLS FARGO. THROUGH MANY DEVELOPMENTS AND SEVERAL PROJECT MANAGERS AT XXXX XXXX  AND NEVER RECEIVING WHAT WAS PROMISED INCLUDING REVENUE IN THE FORM OF 70 % TO ME 30 % TO THEM, TO DATE I HAVENT RECE IVED ANY COMPENSATION AND REALIZED THIS WAS A SCAM. CONTACTED MY BANK WELLS FARGO AND WAS TOLD THERE'S NOTHING THEY CAN DO TO RETRIEVE MY MONEY.
Consumer complaint received 2020-06-11
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. (OH)

I disputed with the 3 major credit bureaus about my 2 old accounts with XXXX XXXX on XX/XX/XXXX and received my results from Equifax as closed on XX/XX/XXXX with incorrect information. I paid off my delinquent account with XXXX XXXX on XX/XX/XXXX but they reported my first major delinquency as XX/XX/XXXX. That is impossible if I paid the account off in XXXX of XXXX. Equifax stated the information was verified and accurate as you can see in the attachments. The second account they just changed the numbers when I ask them to delete it because it was reporting wrong for over a year until I pointed it out while working to improve my credit report.
Consumer complaint received 2023-10-12
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: Experian Information Solutions Inc. (KY)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 


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 2023-10-12
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. (MA)

My name is XXXX 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.
Consumer complaint received 2023-10-12
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. (NC)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX  Balance Owed : {$4000.00} ; XXXX XXXX  Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX  Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX  Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX  Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX  Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$4200.00}.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I applied for my XXXX XXXX XXXX XXXX I received a response from XXXX that I had already received my credit report in the last 12 months. That is a false statement. XXXX stated I needed to provide proof of my address. Yet they sent the notice to that address. My address does not prove my identity which is why when you complete the request you provide name, birth date and social security number and address. 

The credit bureaus already have all the information and all that needs to be done is to verify my identity. They are refusing to provide MY credit report. 

I have also tried calling, but I just end up getting shuffled around a call tree with no results.
Consumer complaint received 2020-06-11
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. (GA)

I recently filed a dispute to the credit bureau about 2 Chapter XXXX bankruptcy showing on my credit report. I received a status back saying the information was verified as accurate. I then reached out to the bankruptcy courts to see if they verify this information. I got a letter back from the courts stating they do not give/verify credit bureaus request to report on my credit report. I then reach out to XXXX XXXX to see if they verified the information reporting on my credit report I was told they do not verify that information and upon looking on XXXX XXXX web page it states that as well. How can the dispute come back as being verified if the courts and XXXX  XXXX did not verify it??? Please remove the 2 Chapter XXXX bankruptcy from my report immediately as I have filed multiple dispute. Please see documentation of what I sent the XXXX, what the I sent the courts and what the courts sent me back and XXXX XXXX web page stating they do not verify bankruptcy information on a consumer credit file.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have rights under 15 USC 1681.

According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts : XXXX XXXX | XXXX XXXX XXXX XXXX - XX/XX/XXXX ( {$1100.00} ) XXXX XXXX | XXXX XXXX XXXX XXXX - XX/XX/XXXX ( {$5300.00} ) XXXX | XXXX XXXX - XX/XX/XXXX ( {$110.00} ) XXXX XXXX | XXXX - XX/XX/XXXX ( {$950.00} ) I demand the accounts listed below are removed due to fraudulent activity from ongoing identity theft as my legal team provided further investigation on their end with proof ( which was sent ). 

I have disputed with the creditors and Transunion credit bureau in XX/XX/XXXX and XX/XX/XXXX. I demanded method of verification on XX/XX/XXXX and I have not yet received this beyond the 15-day timeframe. They are unable to verify because this is fraudulent which by law requires for these creditors to be removed from my credit report immediately.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), 15 USC 6802, and 12 CFR 1006.34 ( c ) for your antisemitism, character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade pursuant to 18 USC 247 ( a ) ( 2 ).
Consumer complaint received 2020-06-11
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. (NM)

I was successfully discharged from a chapter XXXX bankruptcy back in XXXX. I know my credit is terrible right now and that bankruptcy will be on credit report for quite some time. 
I've been pre-approved through XXXX XXXX for an auto loan. This was a soft inquiry approval and was clearly stated as such. That's why I went through with pre-approval. 
I've banked with XXXX for 10+ years and was under the impression theirs was also a soft inquiry approval as well. I didn't have to include SSN or anything that led me to believe it was a HARD INQUIRY. Of course due to my bankruptcy I was denied. I immediately received a notification that my credit report took a 20 point hit. So I tried calling XXXX to dispute. Their representative refused to walk through the screens with me so I could show them they were not clear that it was a hard inquiry instead of a soft inquiry. 
For someone who is fresh out of bankruptcy and is doing everything they can to rebuild credit and get their life back in order, a 20 point hit is demoralizing. Especially one that could've easily been avoided by XXXX being clear that it was a hard inquiry instead of being vague. 
I was so close to having a XXXX credit score which would've moved me to the next bracket.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (MA)

Apple has released their new XXXX XXXX and as I typically do every year I went to pre-order it and finance with my Apple Card for 0 %. 

This year apple has instituted a new rule where they are requiring me to have cell phone service with one of the 3 " Major '' cell providers ( XXXX & XXXX, XXXX, or XXXX ) in order to finance it on the apple card. I use a XXXX XXXX, a smaller cell provider, and because of that Apple is not allowing me to finance this year 's XXXX on my existing apple card. 
My complaint is that my financial relationship with Apple / Goldman Saks for the Apple Card and my ability to purchase a phone directly from Apple to finance on their card should be agnostic to the provider I choose for my cell phone. Especially when the only 3 providers they are requiring are all much more expensive than my current provider. There are many customers in the US that rely on lower cost cell phone providers ( called MVNOs ) and use Apple 's 0 % financing to make the total monthly cost of cell phone bills ( cost of phone + cell service ) lower than larger carrier. 

I feel that Apple is now colluding with the larger cell phone providers in an effort to force customers to leave the lower cost providers and re-join the higher cost major providers. I'm not sure if the providers are pushing Apple towards this or if it Apple 's own decision but eitherway I believe it should not be permitted.
Consumer complaint received 2023-10-12
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. (IL)

I have recently checked my credit report and noticed this account that did not belong to me. In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 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 had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the account type, account status, date opened, and payment status and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX XXXX Acct # XXXX -Account type innacurate. 
-Account status innacurate. 
-Date Opened inaccurate. 
-Payment status innacurate. 

I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.
Consumer complaint received 2023-10-12
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: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

On XXXX, I sent a written request XXXX XXXX XXXX XXXX, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from XXXX XXXX XXXX XXXX. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference. 

I believe XXXX XXXX XXXX XXXX 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of XXXX XXXX XXXX XXXX with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that XXXX XXXX XXXX XXXX be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2015-03-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AZ)

The school is XXXX XXXX, I am the parent co signer on this loan ( although I do n't remember signing on it ) the loan is past due and XXXX the loan company is requiring that over XXXX a month be paid we can not afford this kind of monthly payment and a supervisor ( we have her name and ID number. ) agreed we could pay XXXX a month. We sent in the payment via the automated line as agreed. now XXXX states that this agreement was never made. To make it worse they have no record of the payment being made. we have the confirmation number for this payment. we have no problem paying but for the amount agreed upon.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

In XX/XX/2023 I received a lump sum payment from my employer in the amount of {$3700.00}. That lump sum payment should have been applied to my payments for the next 12 months or the next IDR date, whichever is sooner. I called over 10 times and sent over 20 messages. However, my payment was NOT applied correctly. I am receiving form emails back saying " You spoke to someone on the phone. '' My payment was applied to interest/XXXX XXXX  when no bill was due. The lump sum payment covers more than 12 months ' worth of IDR payments toward PSLF. 

I need my lump sum payment to be applied correctly, as requested, to my payments without exception. 

Also, my payment amount was increased under XXXX which doesn't make sense as my income didn't change however no explanation can be provided and the two amounts for the separate portions of the loan do not add together. Finally, my IDR recertification date is not reflected correctly in the account as to what MOHELA states that it actually is. This should be corrected.
Consumer complaint received 2023-10-12
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: EQUIFAX, INC. (FL)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

On XXXX, I sent a written request XXXX XXXX XXXX XXXX, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from XXXX XXXX XXXX XXXX. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference. 

I believe XXXX XXXX XXXX XXXX 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of XXXX XXXX XXXX XXXX with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that XXXX XXXX XXXX XXXX be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2023-10-11
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.