davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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. (GA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-05-31
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)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NY)

I accidentally overpaid one of the loans by few cents. Customer support said they will take care of the issue as i instructed them to transfer that overpaid amount to another loan. Not only nothing came out of that, after 3 months, i realized that my negative amount ( overpaid ) accrued interest. With how difficult and unhelpful their customer support is, i thought of paying the interest amount so i don't have to deal with them ( around {$37.00} ). The next day i realized that they adjusted the amount back and now I'm overpaid by around {$40.00} on two account. They are not helping me distribute my overpaid amount to other loans which in return is keeping those account open and it's negatively affecting my credit score. If a company can't handle a simple issue in over 3 months, not sure they could be trusted with anything.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (AL)

I filed a dispute about merchandise I ordered using my Wells Fargo credit card. The dispute was for merchandise I received was " not as expected ''. I attempted to return the merchandise, but the items took 35 days in shipping ( 5-8 days was stated on their website ) and therefore I could not return the items as they only have a 30 day return window from the date of the order. After speaking to the Wells Fargo dispute representative, I was told that the information was being processed. When I finally received the letter back from Wells Fargo weeks later, it stated that my dispute had been denied because my " merchandise not received '' was received and the company produced the shipping label. Somehow my claim of " not as expected '' turned into " not received '' and when I immediately called Wells Fargo back to find out what happened, I was told the deadline was missed. I spoke to about 6 different levels of customer support and eventually filed a complaint against Wells Fargo since their rep is the one who filed my claim incorrectly. Then when I get a call back from someone who spoke to the " dispute manager '' they again told me since my merchandise was received, I was out of luck. I can't get in touch with anyone who actually understands the problem.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I am submitting this follow-up to my previous dispute to request the removal of unauthorized inquiries and incorrect name and address details that are inaccurately listed on my credit report. I did not authorize the inquiries outlined below and am providing the details for your detailed investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I have not applied for any credit or services with the entities listed above. The presence of these unauthorized inquiries on my credit report constitutes a violation of my privacy rights and could negatively affect my credit score.
Consumer complaint received 2024-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

Trying to make a payment but my password keeps getting dumped, I can not contact Mohela, They never inform me of what is going on- I have to rely on the news. This is nonsense. i get sent malicious links to reset my password, and if it isn't malicious, it's no good. how do I make a payment if their system doesn't work?
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2019-04-22
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. (CA)

This complaint is regarding Violation of verification and reporting of. Negative items ( revolving account ) on my credit report ( s ), where I personally contacted XXXX and verified with the company that they do not verify or provide information to 3 party credit reporting agencies. How is it possible, EQUIFAX is reporting a negative XXXX account Your assistance is greatly appreciated. Out of the 3 CRA only EQUIFAX is reporting this account that is not my account/ never had an account with XXXX XXXX, incorrect " XXXX '' data and violates FCRA provision 605,607,611 and 623a
Consumer complaint received 2024-08-14
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

someone opened the capital one credit card under my name the capital one credit company send me a {$1800.00} to pay this bill. I called them to address the issue. i had explained them I didn't give authorization or called this company to get a credit card. i didn't opened this account. i asked them what date, what time and the voice recorder when this account opened, I m not responsible and i didn't opened this account. i do not have the credit card on my hand and i do not know the credit card number.
Consumer complaint received 2024-07-19
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. (GA)

" I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/year> venmo sent me a email stating that the remaining balance in my account was available for standard transfer to a bankaccount that is mines I proceed to add a bank account through plaid and manually and it did not let me connect my account for some reason giving me a error message every time I tired to upload and add my bankaccount.. I am left with no other options to get my money off of venmo due to me having only one bankaccount that I use I do not have multiple bankaccounts to use I don't know what else to do to get the remaining funds out of the account.. I am asking venmo to please help me add my account and retrieve the rest of my remaining balance to my bankaccount immediately I don't know what other steps to take to get my money I have waited the 180 days already venmo has gave me permission to withdraw my funds to a bankaccount but won't let me upload my bankaccount to do so, I don't know what else to do or any other measures to take to retrieve my funds my account is unrestricted for standard transfer so I don't know what is the issue with me adding a bankaccount to withdraw my funds can someone please fix this issue for me asap so I can withdraw my funds before venmo close my account
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CATHAY BANK (NY)

Back in XXXX of XXXX  I had a problem where someone unknown too me used my debt card so XXXX department contacted me so I ask them to send me a new debt card and send me a new card and have my account number changed they never did but come in the end of XX/XX/year> they closed my account and there was fund that was not refund too me I never ever asked to have my account closed I asked multiple times to have my accounts changed what I would like them to reopen my account set up a date and time with the XXXX XXXX branch so I could open my checking account I want to also open a passbook savings account without being discriminated against because they say it only for XXXX XXXX
Consumer complaint received 2024-06-07
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. (NY)

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 
Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated. 

XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ULRS, Inc. (AZ)

I received a letter the first time from ULG United Legal Group on behalf XXXX XXXX XXXX for XX/XX/2022 in the amount of {$300.00}. Im not sure where this amount of fee is coming from or even the fee itself. I am disputing this. 

On Friday XX/XX/XXXX am I went on XXXXXXXX XXXX to search for a XXXX  to put up XXXX lights on my house. I reached out to three different groups three different companies called me back with a price. The female employee from XXXX services booked me for Saturday. She asked if I were calling around I said I was to see the prices. She was very pushy. No disclosure agreements fees anything signed off on the application was ever done. No XXXX hour penalty fee was informed or XXXX agreed-upon again, this was less than XXXX hours even if it was that and if there was a fee for a cancellation, I would never have a greed to hire them Before the end we of the day ( before XXXX ) my husband started his workers can put up the lights for free stated the installation for more than XXXX dollars to put up the lights is ridiculous. I called XXXX XXXX. They did not answer. I called and left them a message. In the morning, I called three other times and left a couple other messages. In the morning they had the man arrived at the same time the female employee called me XXXX, she was in the shower. She did not get the message till now and he was already on his way. I informed her I do not need their services. The female employee stated she was going to charge me for the services anyway. I stated to her I would not pay for services that were not done. I did reach out to her yesterday and all morning long. I stated no cancellation fees were agreed on. No disclaimers were made. I did not sign anything. It is not my fault she is incapable of doing her job by answering the phone to notify the job was canceled for her employee. I am not the fall guy for her mess up. 

The owner of Handyman services company should have some sort of accountability for his or her actions and work on better on their communication. 
Handyman services should make their customers aware of fees, stipulations before services are agreed-upon and scheduled. Documentation or a legal recorded verbal agreement Must be signed or completed by the customer.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OK)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 informationisinaccurate.
Consumer complaint received 2023-06-03
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: Bridgecrest Acceptance Corporation (NV)

Greetings. 

I addressed the consumer protection laws and expressed the U..S.CODES that violates my consumer 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. 

You Bridgecrst are knowingly violating my consumer rights and these late payments ( I made payment arrangements for and was assured would not report to my consumer report ), shows lack of integrity on your part. Your response does not address the consumer laws I have sited. 
Additionally I have learned that down payments are actually illegal and premium insurance should have been added to my purchase by you at the time of my purchase. 
If you do not delete the late payments immediately, I will be forced to seek remedy for all the violations and damages your reporting has cause me- the consumer. 
Regards, XXXX XXXX
Consumer complaint received 2024-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (AZ)

We submitted XXXX payment via XXXX XXXX online payment page to Westlake Financial. On XX/XX/XXXX and XX/XX/XXXX, payments for {$750.00} each were processed and sent. We received a letter in the mail dated XX/XX/XXXX from Westlake stating that we owed {$1500.00}. I called Westlake on XX/XX/XXXX at XXXX and a representative at first said no payment was received. When I informed her that XXXX XXXX did indeed send payment I was told that the payments were sent to the dealer as a loan buyback and I would need to contact the dealer. This made no sense and the dealership had no idea what they were talking about. On XX/XX/XXXX I called Westlake again to inform them the dealer had no idea what they were talking about. At that time Westlake said no payment was received and to contact XXXX XXXX. I did and confirmed payment was made. I called Westlake again that day to confirm they were indeed paid. On XX/XX/XXXX I filed XXXX claims with XXXX to confirm that payment was cashed. The next day I received confirmation that they were indeed cashed. On XX/XX/XXXX I called Westlake to so how to rectify the situation. I was told to email proof of payment and call to confirm on email and images being received. I was told it would take 24-48 business hours to research and find where payment went. I called again today, XX/XX/XXXX and was told at first they were unable to locate, then that the pictures were blurry and to resend. I told the rep that I called once the email with proof of payment was received to ensure it was in good order. I am refinancing with another company, but would either like my payments returned or credited to the account and any fees associated with it to be dropped.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

A collection account showed up on my credit report. I contacted XXXX XXXX XXXX to find out why. I was informed that the {$380.00} collection was for XXXX XXXX I have paid that card off on October 1s, 2023 and closed the account. I filed a dispute with all three credit agencies. All three did not fully investigate this dispute to discover that this debt was paid more than 20 days before XXXX XXXX XXXX received the collection account on XX/XX/year>. All of this information remains on my credit report.