davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-04
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. (TX)

I know that the FCRA states that the only purposes for pulling someones credit report are : firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below. I never authorized such and I ask your agency to please remove these from reporting on my credit report. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX,
Consumer complaint received 2023-04-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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


Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Ive submitted requests to all three credit unions ( Equifax, XXXX, and XXXX and neither was able verify the account, so I requested it be removed within 30 days and it still havent. I have an account from XXXX XXXX XXXXXXXX that should not be on my credit report.
Consumer complaint received 2023-04-11
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX XX/XX/2022, 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 1666B : A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Good day, I am writing and sending this complaint with absolute certainty and extreme frustration as there are a lot of errors on my credit report. This is already deleted by both XXXX and XXXX yet you continue to put this false and inaccurate information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer.
Consumer complaint received 2019-12-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

At the time I took out the student loans I had every intention of paying them.However as I have explained numerous times to the representatives that call almost every hour between XXXX XXXX and XXXX each day of the week I'm now unable to work and receive Social Security XXXX benefits. I have continuously explained this to them. If I put a loan in forbearance the interests rate added is ridiculous. The amount I borrowed and the amount I now owe has almost tripled. I ask for forms to recieve by mail and complete to try to have my debt forgiven and I dont receive it. They continually call and I continually tell them the same reply. I do not have any "extra" money to make any type of payments. This has ruined my credit and also causes me increased XXXX and XXXX. These are one of the reasons I have SSDI...I'm going to eventually have a need for hospitalizations if they continue to harass me.     It's hard enough for me to deal with the fact that a career I worked so hard to try to obtain through my XXXX   degree is no longer something I can do. I'm so tired of the daily calls. There are days I simply become tearful because of the way they make me feel.
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (LA)

I am a Military service member stationed in Louisiana since XX/XX/XXXX. According to Louisiana state law all creditors can only charge me a max interest of 6 %. I have a Military Star Card and my interest rate is 11.99 %. I notified the exchange credit program and sent them a copy of my orders and the state law and they thought I was a XXXX and refunded me {$200.00} in interest for the months of XXXX, XXXX through XXXX, XXXX. They then put my interest back to 11.99 % and told me to let them know the next time I am on orders. I explained to them that I am XXXX XXXX and they owe me much more of an interest return and they have to reduce my interest to 6 % and leave it there until one year after I XXXX  in accordance with Louisiana state law. They realized the mistake and returned an email to me saying that they would comply with the adjustment and refund. I have copies of all the emails. After getting the runaround for two more months they then emailed me and stated that they do not have to comply with the state law since they fall under the federal government. They are a credit card that charges interest and reports to credit agencies. Is it true that they do not have to comply or are they just making an excuse to maintain profits?
Consumer complaint received 2023-04-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MA)

My name is XXXX XXXX and I have been the subject of bank fraud for the amount of {$2900.00}. I am filing this complaint against Wells Fargo Bank because someone intercepted a check issued to myself, forged my signature, and cashed the check in my name at Wells Fargo. However, I do not currently hold nor have I ever held a bank account at Wells Fargo. I have uploaded a copy of the check that was fraudulently cashed in at Wells Fargo in my name. 

I am a XXXX XXXX at XXXX XXXX XXXX, where I began working on XX/XX/XXXX. 

On XX/XX/XXXX, I notified the XXXX XXXX Department XXXX XXXX XXXX Strategies ( XXXX XXXX XXXX XXXX, hereby referred to as " HR '' ) that I required a revision of my Form XXXX and a refund of the taxes that had been withheld. I was notified by HR that, according to its payroll processor XXXX, it would take XXXX weeks to process the amendment. My case at XXXX is referred to as " XXXX. '' From XX/XX/XXXX to XX/XX/XXXX, I sent multiple follow up emails to HR and XXXX asking for updates on my refund status. On XX/XX/XXXX, I was notified that HR raised a formal complaint against its payroll processor XXXX regarding my refund. 

On XX/XX/XXXX, I was notified by HR that XXXX had already allegedly refunded the taxes. On XX/XX/XXXX, I was notified by HR that XXXX had mailed a refund check in my name for {$2900.00} to my address on file ( XXXX XXXX XXXX, XXXX, NJ XXXX ). On XX/XX/XXXX, I informed HR that I never received a check from XXXX in the mail, and requested to void the check, as I had neither received nor cashed this check from XXXX. 

On XX/XX/XXXX, I was notified by HR that XXXX informed HR that Check # XXXX for the amount {$2900.00} had been issued and mailed out on XX/XX/XXXX via regular mail to XXXX XXXX at XXXX XXXX XXXX, XXXX, NJ XXXX and cashed at Wells Fargo on XX/XX/XXXX. I was then advised by XXXX to complete a Wells Fargo Bank Affidavit of Forgery, notarize it and mail it to XXXX XXXX at XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX ). 

On XX/XX/XXXX, I reiterated to HR and ADP that I had never received a check from XXXX, that I had not signed a check, and that I do not currently have and have never had a bank account at Wells Fargo. On XX/XX/XXXX, I emailed the notarized Wells Fargo Bank Affidavit of Forgery to HR and XXXX ( XXXX XXXX, XXXX ), and on XX/XX/XXXX, I mailed the notarized Wells Fargo Bank Affidavit of Forgery to XXXX XXXX at XXXX. I have not received a response from XXXX yet. I have uploaded a copy of the notarized Affidavit of Forgery that I was asked to sign from Wells Fargo. 

I am filing this complaint against Wells Fargo because someone intercepted a check issued to myself for {$2900.00}, forged my signature, and cashed the check in my name to Wells Fargo, where I do not currently hold nor have I ever held a bank account.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2021-08-05
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: Michael Harrison, Attorney at Law (NY)

XXXX XXXX XXXX and Collection Agency MICHAEL HARRISON ESQ are 2 companies that are reporting fraudulently on my credit. 
I didnt open nor utilize these accounts and I am requesting the removal of these accounts from my credit.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

An unknown person withdraw {$8500.00} from my savings account in person at bank branch. 
When XX/XX/16 at XXXX This happen in XXXX, Tx while I was in XXXX, Tx ( 5 hours away ). 

Sequence of events : XXXX *unknown person ( UP ) show up at XXXX XXXX and acquired a sim with my number. 
XXXX XXXX  installed the SIMcard in his XXXX, I lost network in my phone *Once this XXXX  have access to my line, he download Bank of America application and was able to access my account to check balances and accounts numbers XXXX XXXX  went to bank branch and in person withdrawal {$8500.00} in cash from my savings account. 

I am opening this claim as I want to let the bank investigation team and CFPB know that XXXX got involved on this, this unknown person was able to get a SIM CARD and also withdraw money from a teller, what smart guy. thanks.
Consumer complaint received 2021-08-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Titan Receivables, Inc. (CA)

Contacted Titan receivables they say I owe the whole amount I was not supposed to be a cosigner I was deceived I was under the impression that what i was singing was only for a discount.That 's why actually. XXXX XXXX is on there as co-signer not me.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CO)

called Target card services end of XXXX, beginging of XXXX requesting Covid assitance. was told XXXX payment would be waived, and next payment due XX/XX/2021. Advised rep that i would pay account off end of XXXX. rep stated that was fine, but would have a late fee if not paid by due date. was also advised by rep that payment would need to be paid prior to XXXX due date to not be reported late. Payment made XX/XX/XXXX, paying account off. received notice in XXXX account was reported 30 days late for XXXX payment. Target refused to correct the error even though payment was paid within 30 days of due date. also still reporting balance due on credit reports, and late when XXXX statement shows payment paid, {$0.00} account balance.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I signed an affidavit regarding a forged signature on check issued from Capital One several months back, emailed to address provided, the number provided was called numerous times, Capital One reps do not have any information in re. The amount of which is {$4200.00}. The bank which check was cashed at was contacted, XXXX XXXX, they claim no receipt of affidavit from Capital One. I had reached out to person whom cashed check at the time, unable to obtain funds from, I requested Capital One re-investigate matter, their rep referred me back to person whom cashed check which I do not have contact information for and is not my responsibility to do so. This matter was brought to Capital One 's attention back in XX/XX/XXXX, numerous reps replied in re, including a XXXX XXXX, XXXX, XXXX, XXXX, last rep by the name of XXXX. Capital One stopped payment on check prematurely, reissued check via XXXX while I was on vacation which was intercepted and my signature forged. I've attached check copies here as well as proof of whereabouts time check intercepted and cashed numerous times prior, Capital One reps chose to ignore information or mark complaints has duplicate to avoid addressing. I suspect this complaint might be marked as duplicate which is normal behavior for Capital One reps, if so, complaint will be refiled. I request another affidavit sent to me regarding this check.
Consumer complaint received 2019-12-12
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. (NJ)

My credit score is not fairly reported. I never spent money on a XXXX card, I never made a payment to XXXX. I never spent money on a XXXX card I never made a payment to XXXX. Someone else is transacting with my social security number, opening credit cards using them and making payments. The credit score is a combination of others and the debt I am responsible for. I have filed disputes through experian but nothing is being done. I pay all of my creditors on time and I should have a much better credit score. I want a new social security number as someone else has my information and is using it. I would like my credit score to be reset. To include date I would like to include today, someone has made an unauthorized payment on an unauthorized XXXX   card probably so they can get a limit increase and really ruin my credit score, please help!!!!!
Consumer complaint received 2021-08-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (FL)

I have sent two debt validation letters to AmeriFinancial. The first validation letter was sent on XX/XX/2021. The company AmeriFinancial respond with a billing statement which did not valid any of the requested Information. The next letter was sent on XX/XX/2021 with was a failure to validate letter, the company did not respond in the 15 day timeframe. This company have failed to validate my debt each time.
Consumer complaint received 2023-04-11
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 have attempted to handle this with Equifax several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND send me DOCUMENTS with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. 1. XXXX XXXX  # XXXX 2. XXXX XXXX  # XXXX 3. XXXX # XXXX 4. XXXX # XXXX 5. XXXX # XXXX 6. XXXX  # XXXX 7. XXXX  # XXXX 8. XXXX XXXX # XXXX 9. XXXX XXXX  # XXXX 10. XXXX XXXX  # XXXX 11. XXXX XXXX  # XXXX
Consumer complaint received 2021-08-05
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. (GA)

I am disputing the following account with Transunion : XXXX XXXX # XXXX & XXXX XXXX # XXXX. 
This consumer agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore the following accounts must be deleted from my consumer report. Failure to respond satisfactorily with deletion of the above-referenced accounts and a free copy of my consumer report after the changes have been made will result in the above actions being taken against Transunion. I will also be seeking {$1000.00} per violation for 1. defarmation, 2. Negligent & Enablement of Identity Fraud, & 3. Violation of 15 USC 1692g.
Consumer complaint received 2023-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The credit bureaus have been playin scare tacted games to the point they lie and dont even want to dispute or remove inaccurate accounts that seem to misleading all creditors when i try to apply for credit i get denied because of the mislreading and inaccurate the credit bureause report. I have sent letters and even faxed asking and showing proof of how they are violating my consumer rights. Then they will respond to the CFPB like they are following the laws and consumer rights. I have several upload and document to show and prodd what they send me when i request for accounts to be removed or verified correctly.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

I have had a credit freeze on my Experian credit file since 2007 because I was a fraud victim. I received a letter about a year and half ago that stated my name was among many where my information was some how may have been exposed and I was to enroll with XXXX. I was contacted by XXXX that the monitoring had stop and XXXX by Experian was taking over. It did not matter to me because I had an actually credit freeze on my account for over ten year. XXXX cancled the credit monitoring and remove the credit freeze completely without me requesting them to do so. All three of my credits reports are on credit freeze for the last 10 years. I have to pay to get my credit reports unlock for a certain period of time. Now, Experian is demanding money for a credit freeze that I should not be paying for since I was a fraud victim. They had no right and nor did I give them permission to take the credit freeze off. If someone steals my information, they need to pay for this because this is just wrong.
Consumer complaint received 2019-12-10
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. (IL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT.I HAVE NO IDEA HOW THE ACCOUNT GOT ON MY CREDIT AND I WOULD APPRECIATE IT IF YOU COULD PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. 
I HAVE A LOT OF THINGS I WOULD LOVE TO ACCOMPLISH AND BECAUSE MY CREDIT IS IN SUCH A HORRIBLE STATE, THERE IS NOTHING MUCH I CAN DO.