davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
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. (MA)

My personal information was used to open XXXX XXXX XXXX credit card ( account # XXXX ). I attempting to put a dispute in with XXXX XXXX XXXX multiply times to no success. The company is ignoring my claim that this account was opened fraudulently and is holding me accountable. This is also being reportedly negatively on my credit report.
Consumer complaint received 2024-01-21
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)

I am writi ng to follow up on my previous XXXX XXXX sent on XXXX XXXX ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; XXXX XXXX XXXX in letter.
Consumer complaint received 2024-07-09
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: TRANSWORLD SYSTEMS INC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-05-01
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)

The accounts below are in violation of my rights. The credit bureaus XXXX Equifax XXXX have been reporting inaccurate and incomplete information on my credit profile. I also filed a complaint with the FTC should they continue their non compliance, they shall be liable. Wenger v Trans Union., No 95-6445 ( C.D. Cal. XX/XX/XXXX ) credit reporting laws are to ensure that bureaus are reporting 100 % accurate information so the following accounts need to be investigated, I respectfully request to be provided proof of the alleged accounts such as the original application, contract, note or other instruments bearing my signature. Failing to do so, the accounts must be deleted from my report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation and I hereby request accuracy and completeness of the procedure. Can you please provide that information in 15 days? XXXX Equifax and XXXX is in violation of 15 U.S.C. 1692g. They were to notify me 5 days prior and I was not notified. As the original creditor, only I can validate this debt and I did not validate it. Therefore the accounts must be deleted from my credit report. 


Account info Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 

Account info Account name XXXXXXXX XXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX
Consumer complaint received 2019-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

As of XX/XX/XXXX my federal loans have been consolidated with fedloan servicing. At that point I made the transition solely for the Public Service Loan Forgiveness ( PSLF ) program. I made this clear with the representative and was told that was what I was signed up for. In between XX/XX/XXXX and XX/XX/XXXX I followed up on this multiple time throughout the years and came to find out in XX/XX/XXXX that they needed more forms to include the PSLF form and employment certification. Since then till this date I have honored their request to submit forms and proof of my XXXX XXXX employment with the XXXX XXXX XXXX XXXX, which I have been enlisted full time with from XXXX XXXX -  presently. The multiple representatives I have spoken with stated I have been on track and had a case number XXXX after I got PSLF denial and submitted TEPSLF as I was told would be what forgives my loan. Today, I spoke with XXXX, employee number XXXX who stated without me knowing my account was in forbearance from XX/XX/XXXX -XX/XX/XXXX.  During this time no one made me aware of this or sent me information concerning this. My frustration is this whole time, I've done what they have asked and believed after 10 years in the programs the loan would be forgiven. At any point if I was told during the conversations in which I asked continuously if there is anything else I need to do on my part and gotten consistent " no 's '' that this loan being forgiven would happen this year from what the representative told me on XX/XX/XXXX, at XXXX CST. It just appears to me their was every very little intention on forgiving my loan. Instead I'm left with the impression that this was a scam to receive interest funds from loans.
Consumer complaint received 2024-01-21
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. (VA)

all the inquires below were the result of fraud and was not authorized by me and needs to be removed from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-21
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. (OH)

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccurate are stopping me from being able to buy a house or get a car to provide for my family these were accounts were not authorized by me.

15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 A : it also states that a consumer reporting agency can not furnish a account without my written instructions.

No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.
Consumer complaint received 2023-05-01
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: CBC Companies, Inc. (CA)

I am writing this complaint to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2023-05-01
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: HYUNDAI CAPITAL AMERICA (CA)

Hyundai Motor Finance, I called XX/XX/XXXX and spoke with XXXX XXXX regarding a stop payment for a refund check XXXX XXXX XXXX XXXX XXXX ) and advised me that the check would be issued to my husband XXXX XXXX. After a week I called to ask for updated status on the cancellation 3 separate times ( was told it was pending management approval ). I then got on the phone again with XXXX XXXX XX/XX/XXXX ( 10 business days later ) who expressed that she was who took my request initially XX/XX/XXXX and that they have a new process that she was unaware of and would now submit the claim to her supervisor. I called again XX/XX/XXXX and spoke with XXXX who let me know the check was being sent out but to the same old address since the XXXX on car was my husbands name and XXXX never switched his address leaving the old one. XXXX request a supervisor call and changed my husbands address or so I thought. I called the following day because XXXX said she would call back that day or the next. I called the following day XX/XX/XXXX and spoke to XXXX who then changed my husbands address and would push an email to all supervisors to give me a call. I called today and spoke with XXXX who let me know that the check is still pending cancellation. The check amount is {$2200.00} but XXXX from the dealership at XXXX XXXX sent me a copy of the voided checks which came out to {$2300.00} missing {$140.00} which was confirmed there is not reason for this and would be sending this up to management. I have submitted over 6 request over the month to speak to a supervisor and have never once received a call. I was sold a XXXX XXXX XXXX lemon vehicle XXXX XXXX and took XXXX until XX/XX/XXXX to take the car in and deemed it lemon. My first complaint of the car stopping whiling driving was XX/XX/XXXX. I was told I needed to pay {$890.00} upfront for the mileage on car after subtracting the gas I put in the rental. The checks were printed on XX/XX/XXXX and its XXXX XXXX XXXX I have called about 15 times since XX/XX/XXXX. Customer Service rep told me this was ridiculous and to report it to CFPB for a response since they cant get back to me.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I disputed more than five times XXXX XXXX XXXX XXXX XXXX  I stated Im a victim of the EQuiFaX data breach my personal information was compromised I sent in police report ftc report id social and proof of address , and nothing changed got a letter stating information accurate account remains on credit report.
Consumer complaint received 2023-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

Dear Sir/Madam, I am writing to you today regarding the permanent limitation of my PayPal account with the email address XXXX. I am deeply concerned about this decision as I believe that it was made in error and that I have not violated any PayPal policies. 

First and foremost, I want to emphasize that I have always acted in compliance with PayPal 's terms of service and have never engaged in any activities that could be considered fraudulent or abusive. Therefore, I believe that the limitation of my account is unjustified. 

I respectfully request that PayPal re-investigate my case and restore my account if possible. I would be happy to provide any additional information or documentation that may be required to resolve this issue. I am confident that a thorough review of my account activity will show that I have always acted in good faith and with the best interests of PayPal and its users in mind. 

I understand that PayPal has a duty to protect its platform and users from fraudulent activities, and I fully support these efforts. However, I believe that in this instance, my account was unjustly limited, and I am seeking a fair and impartial review of my case. 

Thank you for your attention to this matter, and I hope to hear from you soon regarding the outcome of the review. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-05-01
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. (TN)

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. 

XXXX : # XXXX, XXXX XXXX XXXX : # 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 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 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

My oldest credit card which is XXXX  XXXX XXXX XXXX card with a limit of {$80000.00} has strangely disappeared from my credit report on XXXX  the credit bureaus ( XXXX, Equifax and XXXX ) and I have contacted them individually since XXXX, XXXX  when I XXXX  noticed it and nothing has been done, I keep calling them and they say same thing XXXX  time that they see it from their end but I do not see it when I check my report and more importantly the banks and creditors do not see as well and that has affected my credit card and loan applications because my credit profile without the XXXX  XXXX XXXX XXXX card looks not good enough. I have already contacted XXXX  XXXX XXXX and they told me they report my credit to these bureaus and it is a problem from them and not XXXX. 
Also Equifax since XXXX has totally wiped out my credit history and when I check my profile every is blank and I have contacted since XX/XX/year> and nothing has been done. Kindly help me fix my credit report. Thank you.
Consumer complaint received 2024-05-01
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. (MI)

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.

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 2024-01-21
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. (TN)

After the Equifax data breach, I experienced several challenges of my credit score being impacted, making it difficult to obtain credit at a fair interest rate. As a result, I got into debt, went through a period of Homelessness, and had to move. When I moved from CA to TN, I did not have the funds to hire a professional company properly and lost my personal belongings. Items can always be replaced, but when I think of the XXXX  and XXXX XXXXXXXX  of being financially deficient, there are not too many options to help make me whole again, but I am hoping that Equifax will do their best to write this wrong and provide me adequate remedy.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is not providing a clear answer regarding my account related to my Due Date ( which is the XXXX of each month ) and billing cycle. 

When I log into wellsfargo.com it states I am currently 9 days pass due as writing this complaint. This is according to Wells Fargo information. If going according to the payment due date, I would be 14 days pass due. 

Wells Fargo Customer Service and the credit reporting agencies stated this is because the billing cycle started on XX/XX/23 and this is what Wells Fargo reports to the credit reporting agencies. They also stated my payment due date determines late fee and interest charge if the payment is not received and the billing cycle is what is reported to the credit agencies if payment is not received within 30 days. 

Please refer to the attachment which is a screen shot of my account on XX/XX/23 and states I am 6 days past due, which means Wells Fargo reports the billing cycle to the credit agencies.
Consumer complaint received 2024-05-01
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. (CA)

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered the accounts that are not mine and are the results of identity theft. These fraudulent accounts have already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the banks associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed it from their records. Despite submitting the required FTC report, the accounts continue to appear on my credit report with your bureau. The presence of these fraudulent accounts tarnishes my credit history and could have serious implications for my financial future. Please remove the accounts from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-21
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. (FL)

I ask the credit bureaus to verify these accounts they verified these accounts saying they were Accurate I check my credit report and they still showing incorrect also Equifax and XXXX nonexistent no response this is not my first Attempt resolve this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validate Account In Accordance with the Fair Credit Reporting Act XXXX # XXXX Has violated my Rights 15 U.S.C 1681 Section 608 A. States I have the right to Privacy.

15 U.S.C 1681 Section 608 A. Section 2 it also States a consumer reporting agency can not furnish my information without my written instruction.
Consumer complaint received 2024-05-01
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-21
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. (TN)

In accordance with the Fair Credit Reporting Act this creditor : - XXXX has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604A section 2 ).

It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 2ai a creditor may not treat a payment on a credit account under a term loan plan as late for any purpose.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello Ive been getting trying to get a Bank of America prepaid card. Ive had one in the past for more than 10 yrs. The one I had, expired this year. And I never received a replacement like other years. Id like a new Bank of America edd prepaid card up to date. I havent so. I have a new address of it helps. 
Its XXXX XXXXXXXX XXXX XXXXXXXX, Ca XXXX