davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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. (NY)

This is my complaint to Equifax for continuously reporting fraudulent and questionable accounts. I sent out letter to the bureau but they take no action, the accounts that I reported to them still reflecting on my file. I sent out the letter last XX/XX/XXXX  and until they did not take action in correcting the accounts. I have attached also my FTC report number XXXX for the references of these fraudulent accounts.
Consumer complaint received 2023-10-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CarMax, Inc. (WA)

I have a co-signed car loan with Carmax. I am not even 30 days late, and will not be 30 days late. They continue to repeatedly call myself and my co-signer more that 5 times per day. I told them they will be paid, there is no need to keep calling.
Consumer complaint received 2024-04-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RFNA, LP (KY)

Republic Finance XXXX a lender on consumer loans, failed to recognized my hardship status and in so doing created for me financing hardships when i co-signed a loan with my son, I am XXXX and already stressed dealing with other priorities such as paying my rent, car and life insurance, medical needs as well has utility cost and the paying of internet as well. So I dont have the money to pay, so now they have threaten me with their lawyers and third party vendor who is now tryin to collect this debt. i have XXXX XXXX now and scared that they will take my small property to use in their pursuit of collecting this debt. I have filed my own pro-se case now pending in the XXXX XXXX XXXX XXXX 's civil division, and I now also may have to resort to filing a bankruptcy.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NC)

Furnisher of information : Wells Fargo Account XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Wells Fargo is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Wells Fargo the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not havemy written consent. Any and all consent to XXXX, XXXX, XXXX, Wells Fargo whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Wells Fargo NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account listed above is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. 
Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-04-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A. (NV)

AT & T AND XXXX XXXX XXXX BOTH HAVE NOT CONTACTED ME BACK REGARDING THE LEAK OF PERSONAL INFORMATION ABRITRATION IS NEEDED REGARDING THE ISSUE XXXX XXXX STILL HAVE NOT RESOLVED THE ISSUE XXXX XXXXXXXX SAID THEY WOULD INVESTAGATE THE ISSUE NOW MY XXXX XXXX XXXX XXXX IS OUTSTANDING AND I CANT RECIEVE ANY POWER IN MY UNIT BECAUSE OF THE ISSUE I HAVE DONE ALL I CAN DO ABOUT THE ISSUE I NEED HELP IM A VICTIM OF IDENITY THEFT
Consumer complaint received 2023-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

I signed up on the studentaid.gov website for a lower payment and during this time there is a temporary way of self verifying your income on a document because of new rules to help with student loans. The company Nelnet is not abiding by the current rules which allow that. Also they're charging me a higher interest rate than the zero percent that's stated on my account on the studentaid.gov website. Also they don't answer the phone. I tried calling and was on hold for over an hour and a half and finally gave up. So you can never get anyone on the phone. Instead of allowing the self certification of income they keep mailing me the letter that I've uploaded. I don't work a normal job and have sporadic self employment income so I don't have the verifications they're asking for which is why the education department made the income self certification possible, for situations like mine which Nelnet is not accepting as they should.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (CA)

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to ELAN FINANCIAL SERVICE. In my credit report from XX/XX/2024, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my XXXX  instructions.
Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (LA)

I received a letter of collection for a credit card debt from Comenity Bank. With a card used from XXXX XXXX in XXXX or XXXX XXXX with my name and information without any of my knowledge. 
I also was a victim of identity theft in XXXX  which could have resulted in this happening. 
The account was used in XX/XX/2023 and through XX/XX/XXXX in XXXX XXXX mainly at a XXXX super center with an account ending XXXX. I live in XXXX XXXX Louisiana. The credit collection XXXX  ( XXXX XXXX XXXX ) is asking to pay a debt that is not mine for {$9700.00}. XXXX  Account # XXXX. Which I first found out about this XXXX XXXX.
Consumer complaint received 2023-11-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I purchased and afterward returned two XXXX to XXXX XXXX. I've paid for this merchandise with a Bank of America Credit Card. XXXX XXXX confirmed the receipt of my merchandise return and promised a refund shortly, but that never happened. 

After trying to address issue with XXXX XXXX without success, I've opened a claim with BofA. I've submitted all the information to BofA explaining why the dispute should be resolved in my favor, but BofA continues to deny it without really providing any proper explanation. Below is a copy of my last contact with them : CLAIM NUMBER : XXXX Hereby, I, MY NAME, would like to confirm that I have followed all the right procedures to return the merchandise related to this claim and I would like to request BOFA to reopen the claim and rule it in my favor. Attached to this letter, I'm sending supporting documentation to show that I have returned the merchandise according to the merchant policy. In the documentation you will be able to find : XXXX receipt from my drop off of the merchandise associated with the claim ; Tracking confirmation from XXXX confirming merchandise as delivered ; Diverse communication from the merchantXXXX XXXX confirming that they have indeed received my merchandise and that a refund is due. 

With all the above in mind, I strongly request that claim is decided in my favor. 

Attenciously,
Consumer complaint received 2023-10-02
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I was having to travel back and forth to XXXX  from XXXX XXXX to help take care of my father and hi XXXX  XXXX. And my mother in law had XXXX XXXX XXXX and my wife was out of work for three months which only left one income. So I got behind.
Consumer complaint received 2023-09-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd. (OH)

I had a XXXX XXXX XXXX XXXX  on XX/XX/XXXX. After returning to work in XXXX of XXXX I struggled to get back to normal, my job had moved me to another department where I endured harassment by the senior ranking associate, leading to me resigning as management did nothing about any reports I filed. I was without a job for over a year, during which time I worked with XXXXXXXX XXXX billing department to attempt to reduce the monthly payment I owed. In XXXX of XXXX, I reached out to a third-party company called Dollar For to assist me in advocating with XXXX billing to reduce the XXXX bill. Within the week of receiving my request, my billing statement with XXXX read a balance of XXXX dollars and I haven't heard or seen anything about it since, until I received a debt collectors notice that the company Harris & Harris Ltd. had sent on XX/XX/XXXX and I did not get in the mail until a week later. I made sure to file a dispute with Harris & Harris Ltd. as the letter I received had inferred that legal action would be taken if I didn't respond by XX/XX/XXXX. I also contacted my agent with Dollar For to ask their advice one more time as to what to do and they sent me the link to report it here.
Consumer complaint received 2023-03-18
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. (TX)

in accordance with the Fair Credit Reporting act Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCF Intermediate Holdings LLC (VA)

Payday loan taken in XXXX and repaid over double amount borrowed. Interest rates does not comply with laws of Virginia. 

https : //law.lis.virginia.gov/vacode/title6.2/chapter3/section6.2-312.

The state of Virgina caps interest rates on lines of credit at 36 %. Payday lender sold account to collection agency - XXXX XXXX which has reported the debt to all XXXX credit bureaus since XX/XX/XXXX. I have reached out to both companies requesting my initial contract and payment history and have not received it. I explained that because the loan was predatory and now unlawful, it should not be reported on my credit reports. I still have not received any responses but was sent a settlement offer decreasing the {$1300.00} to {$1000.00}. I declined the offer and asked for my contract and payment history.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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. (VA)

To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not share my information to third party institutions These are clearly violations of my federal protected consumer rights.
Consumer complaint received 2023-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paradigm Assets, LLC (FL)

I have filed Disputes with XXXX XXXX and they keep telling it is reported correctly, I have a copy of discharge from Court as well list of creditors which show collection agency being notified
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/23 took transfer balance loan in the amount $ XXXX 1.99 % interest until XX/XX/23. Since XXXX I'm being charged {$45.00} per month. They are applying more payment to the transfer balance and leaving the current purchase to be charged interest. XX/XX/23 I called Chase Bank customer service and eventually spoke to XXXX XXXX who told me '' you paid so much on your monthly payment that we had to apply the rest to your Transfer balance. '' I asked why I have an interest charge if I overpaid the purchases. She stated '' because the interest rate defaults to your regular purchase rate ''. I told her to send me proof of that. XXXX I received a letter from Chases asking me if I would like them to send the card member agreement???
Consumer complaint received 2024-04-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP (AZ)

I have contacted this company multiple times for several months now, including today two different numbers the first number listed on XXXX XXXX place me on hold and then disconnects and the second one which was the number that was given to me directly from that debt collection department says 'call can not be completed at this time '. I have never received an initial intent to collect letter, I had found out due to a review of my credit report, and I have asked several times to see the original documents of the debt, the last time I called was more than a month ago requesting documents. in the beginning they said it might be possible to dispute this since I told them I had left this property on XX/XX/year> due to XXXX  XXXX and I did submit the proof of this and the proof of a police report stating I had left. The company stated even though I showed proof the original creditor did not want to work with me, when I explained if I can contact the original creditor and if they can tell me who I originally owe this debt to they stated that It is not possible to give out the information and I could not work directly with the original creditor. I then started to send me the documents to verify the debt and gave them my address and phone number I asked verbatim I want these documents in writing sent to my physical address.
Consumer complaint received 2024-05-23
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. (NC)

I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!
Consumer complaint received 2024-05-23
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-08-15
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)

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The above XXXX XXXX Is in violation of my right. 

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Also as well In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

I made several payments for XX/XX/XXXX. My XX/XX/XXXXpayment ( that technically wasn't even due ) was paid ahead of due date and I decided to make 2 more extra payments. 
Since I couldn't make comments for online payments ... I sent one of the payments by mail along with a note. I specifically asked them to apply the payment directly to the Principal and not charge any finance charges. They charged me anyway. 
When I called ... they tried to tell me its all 'spelled out in the loan ' and that 'the earlier I make payments the less finance charges I had to pay '. ( So how come 4 extra payments in a month all had finance charges? ) I explained to him about the extra payments along with my letter that I had sent..and he told me again that its 'all spelled out in the loan '. 

He basically couldn't explain to me why I was charged .... 

Also ... looking through past payments and charges ... their 'daily ' finance fees are all over the board and make no sense at all.
Consumer complaint received 2023-04-19
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. (MI)

XXXXDEPT OF ED XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2017 an 90 day late was reported on my credit report I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing i was late to support your inaccurate reporting on my account, if you can not supply this, please delete this alleged late payment from my credit report for reasons that it is not a invalid late payment the FCRA allows 30 days for this to be rectified