davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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. (GA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I have a {$35.00} fee coming out of my account at least twice a month and over a 5 year period. Not including the " late fees '' on a credit card that isn't even in use. Wells Fargo is who XXXX wish he was.
Consumer complaint received 2023-08-30
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX BANK DELAWARE XXXX and XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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)

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXXXXXX 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXXXXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

A client reached out to me expressing interest in my rent-to-own property, which required a 20 % down payment to secure the home. After a brief bidding process, we selected the client who submitted the highest bid, which included a down payment and several months ' worth of rent paid upfront. To ensure the safety of the transaction, I requested a certified check for the funds, as it provides a guarantee of available funds. 

Upon receiving the client 's certified check, I deposited it into my bank account. However, to my surprise, Truist bank placed an unexpected hold on the funds. Although the amount was significant, I had encountered larger transactions in the past without facing such delays. Consequently, I did not anticipate that my account would remain on hold for over a year, causing significant disruption to my financial plans. 

Initially, I was informed by the bank that the funds would be released within a week, which prompted me to proceed with signing the contract. Rent payments were made on time during this period, but eventually, I encountered difficulties in communicating with the client 's representative, XXXX. It was then revealed that the client 's husband, who had issued the check, had tragically passed away in the property. 

The check, which is still on hold, poses a challenge as the bank insists on issuing a new check. However, this is not possible since the owner of the original check is deceased. To substantiate my claim as the owner of the property in question, I will attach a news article regarding the incident. Additionally, verifying the ownership of the property can be done by searching the Secretary of State records, which will confirm that the property is owned by the brand name XXXX. 

While this unexpected situation has created difficulties and financial strain, I am hopeful that with proper documentation and evidence, the bank will release the funds, allowing the rent-to-own process to proceed as planned. Due to my understanding from a truist banker the check was put on hold because the check was issues to XXXX XXXX and not XXXX XXXX which both companies I am the owner and might have been some confusion when discussed to but entertainment and not my real estate company XXXX XXXX XXXX how ever I have no way of getting this check reissued and the hold for verification of funds have been well over a year or almost a year to and funds are clear in my account. I am looking for real help on getting this issue resolved as quickly as possible.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have submitted multiple disputes across all 3 credit bureau 's and have not received a response. it has been 3 months since I filed my initial complaint. All I ask is that these fraudulent transaction be investigated and deleted from my credit report.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am a victim of identity theft. i have filed a police report and a report with the company. This account was opened without my consent or knowledge. I have the right to be protected by consumer rights laws.
Consumer complaint received 2023-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

I called Mohela to request for the full status of my loan, including the amount of total funds I was ahead on my student loans. I was almost 20 payments ahead on my student loans, but Mohela is advising they are only seeing me ahead by {$350.00}, whereas that figure should be close to {$2500.00}. In Response, I have requested for my full loan history, and servicing file, but no one will acknowledge this request, or provide it. Their Customer Service Representatives " In Training '', can only see back 24 months. I am asking for assistance by holding them accountable by telling me the exact figures I am ahead on my student loan. I know there is 136 payments left, but it is in a tier repayment style therefore the payments will change over the remaining life of the loan. As a Servicer, they should be able to provide the requested document to show how the outstanding balance was paid down to today, but they are not. I'd like assistance in obtaining the full file, and payment history. How do they know I didnt make a {$20000.00} payment prior to the last 24 months? 

I've requested to speak to leadership, however I am then placed on hold for hours.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (FL)

I have two charges on my credit card that do not belong to me. I disputed with the credit card company. Months later they appeared on my credit card again. I never received any calls or correspondence regarding this matter. I don't know what occurred to make the charges reappear because the credit card company never contacted me. When I called to try to dispute the charges again, they tell me I will receive a call back but they never call me back. They do not file a dispute when I call just a promise vto call back. 
The two charges are : XXXX on XX/XX/2023 XXXX XXXX on XX/XX/2023 XXXX
Consumer complaint received 2023-06-12
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. (MS)

Equifax has been reporting inaccurate info on my credit profile. I ask them to verify info, investigate, and also correct my credit profile. In an earlier complaint, they sent back a response saying that it wasnt right and its not been updated correctly. Under the Fair credit reporting act, they must at all time maintain accurate information. They violated credit reporting laws and is still violating them. They havent provided any proof of ownership.
Consumer complaint received 2023-06-19
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. (NC)

In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. 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 has violated my rights. 15 U.S.C. 1681 section A states I have rights to privacy. 15 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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. 1681 s-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 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

For XXXX XXXX XXXX Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Consumer complaint received 2024-10-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (NH)

Rocket Mortgage holds escrow funds for our homeowner 's insurance policy described above. Request for payment was made from XXXX in XX/XX/XXXX, with a follow up XXXX XXXX, with the renewal deadline of XX/XX/XXXX. Rocket Mortgage sent the payment to XXXX late, by check in the mail, on XX/XX/XXXX, which has led to cancelation of the policy due to non-payment. Rocket Mortgage also did not pay on time the previous year ( XXXX ), which led to cancelation and reinstatement after I called to sort out the issue ( with Progressive ) I contacted XXXX ( XXXX XXXX is the provider ) and they reiterated that cancellation was due to non-payment and that reinstatement would require photos of all four sides of the home. I sent photos, of which only two marginally showed the roof. The underwriting team responded by saying there was missing or buckling shingles, and they could not reinstate the policy. I argued that no shingles were missing, and I could provide additional photos illustrating the roofs condition. They were not receptive and indicated to get a new quote for a new policy. I went through the process and no policies were available due to the cancelation, even with the local XXXX  agent who check multiple markets. This has left me without an active homeowners insurance policy due to lender nonpayment.
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

Around XXXX XXXX XXXX my information was stolen & my account was fraudulently accessed & funds were dispersed into the account & removed. I notified TD bank immediately within 2 business days of this fraudulent activity. I came in person to the XXXX, NJ branch to report this activity. They reported the activity, and also confirmed that it was not my signature on the check. I called for months seeking updates on this matter, however I was told to keep waiting. I recently got a letter stating that they sent the debt to collections which was around {$4000.00}. The debt collector is XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2017-04-03
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Visa from Bank of America I used it to request services from a merchant XXXX. Storage from XXXX to XXXX of {$170.00} per month. in XXXX I scheduled to have the container transported from XXXX to XXXX with a rate of {$1900.00} paid in advance. 
For reasons not provided the transportation was cancelled by XXXX, without notice. I 've tried to communicating with them with no results. 
It has been a nightmare dealing with the Bank and the merchant, seeing charges being made & paid, and not being able to stop them. XXXX response has been " payments need to be made and disputed later '' ( for how long and how much? ) XXXX has been able to receive payments from XXXX up to {$4500.00}. I find myself violated/abused by the Bank and the merchant. The AVERAGE CHARGE to transport a container from XXXX to XXXX is about {$2300.00}. Realizing that is all about business between the BANKS & MERCHANTS with no concern for the consumer. 
A dispute was filed, and the results were just submitted : " the amounts charged are correct '' that was even after XXXX PROVIDED to the BANK the agreement showing a rate of {$2000.00}. 
I provided myself the necessary documents including XXXX 's contract and statements from the Bank of America included with this complaint. 
One of the agents stated that the XXXX website has a glitch, " when a merchant logs-in to an account is agreeing to the charges '' -IT DOES NOT MAKE ANY SENCE-
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Systems International, Inc. (TX)

These Accounts : ( 1. ) XXXX XXXX XXXX XXXX XXXX ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX ( 3. ) XXXX XXXX XXXX XXXX XXXX ( 4. ) XXXX XXXX XXXX ( 5. ) XXXX XXXX XXXX XXXX BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( EXPERIAN, EQUIFAX, OR TRANSUNION ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2017-04-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I received a judgement ( request and writ for garnishment ) slip from a company that I contracted for last year. This debt is more than 20 years old and is not valid or right according to my research. To elaborate on the situation here are the details, purchased a vehicle back in 1996, after a time the vehicle was stolen, no use in continuing payments on a vehicle that I no longer had possession of and yes the information about the theft was provided to Credit acceptance. Fist this debt is way over the statute of limitations and secondly I have not been served any papers to appear in court to defend the validity of the case. I do not have any papers due to the fact of the age of this situation and I am looking to see if there is any remedy for me due to improper handling of an old debt.