davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-05
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: Collection Consultants of California (CA)

I have disputed several times this medical bill because I have not been at the Hospital they are mentioning. When I ask for a validation of the debt they never answer with the information I'm requesting. They are in violation of the FCRA.I have included all the disputes I have summited including the certified mail tracking numbers
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the dele the accounts listed IMMEDIATELY!
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (LA)

US Bank business card - payment account was blocked by US Bank after XXXX bank errors drafting auto-payment. Due to the payment issues, late fees were assessed repeatedly, after which over limit fees began to be assessed because the late fees caused the account to go over balance. At no time were charges declined, nor were extra efforts made to have the payment account addressed or updated. Upon speaking with US Bank, they declined to remove the extraneous late and over-limit fees and every time I was transferred to speak with a supervisor, our calls were disconnected. 

Highly unscrupulous and predatory banking practices!
Consumer complaint received 2018-08-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KS)

I bought my house in XX/XX/2005 with a VA home loan for a 30 year mortgage. My wife usually handles the house payments but recently I looked at one of the statements to see how much we have paid down on the mortgage since we have been here for almost have the 30 yr term. When I looked at it I noticed that they had down on the statement that we had a 40 yr mortgage. I told them this was wrong and that I wanted a complete copy of all paperwork involved in this. By law, VA home loans are only authorized for 30 yr mortgages and Wells Fargo is in violation of this. I never recieved any paperwork from them and to this day have still not recieved any explanation to this.
Consumer complaint received 2024-04-12
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. (AZ)

I had checked my credit report on XX/XX/24 just to make sure everything was accurate on my report and I noticed there was a lot of incorrect information regarding a charge account on my credit profile and a lot of information did not correlate. I also did not give written consent to Equifax to report this on my credit report. No consent is fraud. This is a violation of my rights as a consumer. XXXX. 


15 U.S. Code 1681e ( B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Considering the information on my report regarding this charge account is inaccurate and I did not give written consent for this to be reported on my credit report, it is violating my rights according to 15 U.S. Code1681E ( B ), 15 U.S. Code 1681i ( 5 ) and 15 U.S. Code 1681b ( a ) ( 2 ).
Consumer complaint received 2017-09-22
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: LEXISNEXIS (VA)

This is in response to LexisNexis 's written response dated XX/XX/XXXX to my previous dispute for Case No. XXXX regarding judgment number XXXX which I just received the updated report dated XX/XX/XXXX showing the items suppressed and removed from my report for LexisNexis 's Case Number XXXX. 

This dispute follow up is specifically regarding the LexisNexis 's letter ( page 3 - 3rd paragraph from the bottom ) where LexisNexis specifically asserts the following " When information is removed or deleted from the  consumer reports provided by LexisNexis pursuant tour FCRA responsibilities our internal nomenclature is to indicate that the records were suppressed because consumers do not necessarily have the right to have the record removed or deleted from non-FCRA reports XXXX as bulk records used by other consumer reporting agencies. The effect of suppression of record from consumer reports is the same as the delete or removal referenced in the FCRA. '' Please note that the Judgment number XXXX that was entered against me ( without my knowledge ) by XXXX XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXXwas set aside by the court on XX/XX/XXXX after I filed a Motion For this to be done since I was an improper party to the suit and subsequently the Plaintiff requested the court to nonsuit the matter onXX/XX/XXXX,  which completely removed and dismissed the suit that was erroneously entered on XX/XX/XXXX and no longer exists. 

Therefore, I am demanding again since this judgment number XXXX and now been dismissed I do have a right for not only this previous judgment not to be just be suppressed but I have the right for the judgment account to be completed deleted and removed from all Consumer databases and non-FCRA reports such as bulk records of LexisNexis and any other agencies that they have reporting this erroneous account/judgment record that has been dismissed by the courts. 

I further request that LexisNexis immediately removes this judgment account from all consumer databases and non-FCRA reports ( databases ) such as bulk records since I do have that right since this matter has been dismissed from the courts as ofXX/XX/XXXX 

I have included a copy of the printout from the court records and website that can easily be verified that the matter has been dismissed and LexisNexis does not have the right to report erroneous information on this account about me in consumer or non-FCRA reports or bulk records. 

Please provide me written confirmation that this account has been removed and deleted from all consumer reports of LexisNexis and non-FCRA ( bulk records ) of LexisNexis since the judgment XXXX has been dismissed onXX/XX/XXXX
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Bond And Collection Associates, Inc. (PA)

XX/XX/2016 I started to receive letters telling me I'd face criminal prosecution if I didn't pay the debt in full. They followed that by calling me a piece of XXXX XXXX and you're all alike. Since then they have sent threatening letters to my place of resident insinuating I would face legal ramification if I did't pay {$2000.00} immediately to them even though the courts instructed me to pay the state of Pennsylvania. I recently had an influx in my bills and am giving them XXXX per month from XXXX more letter. I was trying to be polite to give them a heads up so I wouldn't have to receive anymore threatening letters from them. Every time I receive a letter its signed with another name but in the same handwriting. I receive SSI Benefits so I am on a fixed income and don't have the money to pay in full. They don't seem to care and I believe their modo is " We Collect No Matter What ''. Well after I just called to let them to let them know my bills went up so there forI would be making {$20.00} less a month on my payments. Prior to this they would call all night until I XXXX-XXXX XXXX. I just want the letters to stop because in no way my judge said that payments will be to XXXX XXXX XXXX   XXXX. I pay through the Pennsylvania XXXX  website instead because I simply won't pay this debt collector. I make the payments I can. I am trying to return the money I owe and looking for any kind of job now that I have a vehicle to use. I just want to be left alone by these people. they harass you at every turn, they use profain language, and scare tactics at all time. 
I thank you for your time looking into this I also have reciepts from all payments.
Consumer complaint received 2018-08-31
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. (FL)

ON XX/XX/2018 I SENT THE ALLEGED CREDITOR AND CREDIT REPORTING AGENCY NOTIFICATIONS IN REFRENCE TO ACCOUNT # XXXX ALEEGED CREDITOR NAME : XXXX XXXX XXXX. THE ALLEGED CREDITOR HAS FAILED TO RESPOND TO MY NOTIFICATION THAT WAS SENT 30+ DAYS ALLEGED CREDITOR WAS MORE THEN THE TIME ALLOWED TO PROVIDE PROOF OF ALLEGED ALLIGATION, AND COMPLIANCE. THE ALLEGED CREDITOR XXXX XXXX XXXX HAS YET TO REPLY. THE ALLEGED CREDITOR AND CREDIT REPORTING AGENCIES IS IN VIOLATION OF MY STATE AND FEDERAL LAWS. PLEASE DELTE IMMEDIATELY THIS UNVERFIED ACCOUNT THAT IS CONTINUING TO BE INJURIOUS TO ME. ATTACHED IS A COPY OF THE LETTER SENT TO CREDITOR AND CONFIRMATION OF SUCEEFUL DELIVARY OF MY NOTIFICATION
Consumer complaint received 2023-07-15
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. (OK)

This company has been asked to validate the XXXX account on my report and has not done so in over 30 days. I feel neglected, unheard, and mistreated seeing has this is not my first or second attempt in getting this account off my report.
Consumer complaint received 2023-09-07
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. (FL)

Realized that I was a victim of identity theft on XX/XX/2022. Since then, I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter.
Consumer complaint received 2023-09-07
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)

Realized that I was a victim of identity theft on XX/XX/2022. Since then, I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter.
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Receivables Performance Management, LLC (GA)

Receivable Performance Mangement LLC is trying to collect money, property, etc by using setting up a real estate scam in my name. They first started by buying undeveloped land in XXXX, Washington and then keeping the funds that they stole from my trust account @ XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NJ)

I've been a long time user of the Apple Card, with Apple being the company advertising it and Goldman Sachs being the bank. They ended up closing my account on XX/XX/XXXX for no reason, saying a break of cardholder agreement, when I had done nothing wrong that would breach any such rules. I use the credit card myself and they just ended up closing it for no reason.
Consumer complaint received 2023-10-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation (OH)

I did research and found inaccuracies on my credit report In Accordance with Fair Credit Reporting act One Main Financial and XXXX XXXX XXXX both have 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 an account without my written instructions which neither of them did.
Consumer complaint received 2023-08-01
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: CL Holdings LLC (IL)

I called numerous times and they keep staling and don't want to talk to me. They sent me to collletion for a amount of XXXX and I have never bought anything from them and the put on my credit report that it was opened in XX/XX/2023 and that it was a joint account and they won't tell me who the other person is. I don't owe this money it was not me I think someone stole my identity and they won't talk to me. I called the Collection agency and the guy said he was going to charge me money to fix it. But I don't owe the money. So why should I have to pay to fix it? I think I'm being scammed they took my identity. This is not me, I need help fixing it. Somebody's got ta know something. XXXX XXXX XXXX in XXXX, Alabama. Is the people that sent me to the collection agency? 
The collection agency 's name is Jefferson capital systems.XXXX XXXX XXXX XXXX  is the guy I talked to.
Consumer complaint received 2023-12-08
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. (NY)

I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover persistent error and inaccuracy. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (AL)

I reached out to Navy Federal late XXXX regarding over {$8800.00} of unauthorized charges that consisted of XXXX and XXXX XXXX. Someone had got into my vehicle and took my husband wallet an my debit card was in it. After XXXX weeks of waiting I was informed that my claim was wrongfully denied so I emessaged the bank for a second review. After calling several time I was told giving the police report information would help speed the investigation so I immediately contacted the police department and got the information to them. It has been XXXX months and I have not received any update on my claim nor have I received any money while my claim is still being investigated. The only information I receive when I call customer service is that its still under review and theres no time frame. This isnt being handled properly and I need my claim approved immediately or I will have to seek further legal action for my money and the stress this has caused me financially.
Consumer complaint received 2020-07-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

Hi, My problem is with Paypal. I run a company here in XXXX and customers pay for products via Paypal. 

In XXXX I removed my old bank account so that I could replace it with a new bank account. 

Unfortunately, Paypal had locked all information changes which prevented me from changing anything on the account, including a new bank account. The old bank account wouldn't work either. 

Since then I have emailed them probably 30 times. Each time a robot comes back and says a typical we are sorry to hear your issue and tells me to try adding the bank account. Obviously this does not work. Eventually, it seems like a person comes to respond and says it is not possible to fix over the internet and you must contact Paypal by phone to fix the issue. But unfortunately, all phone lines are not working due to COVID. Perhaps wait a few days. Its been 7 months and have called all possible phone lines only to be hung up stating ... due to COVID 19 all phones are not available. 

My company is very reliant on these funds. Especially during our troubling times. Through this period of time, I have lost a lot of money due to the diminishing USD - NZD. 

I can not comprehend that they can get away with this. I have threatened court action and am now looking for a lawyer to contact them directly in the US. 

I just want my XXXX back so I can be done with this shoddy company. They have left their company to sail in the wind with major ramifications affecting their customers. 

I can not believe this company functioning as it is. 

What can I do??
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax has reported that I owe a collection agency XXXX XXXX They have creditor blank, payment history blank, balance update blank. I was provided with no contract binding me to an unknown company. Equifax need to Remove info off my credit report by law. This account is inaccurate.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (AR)

In accordance with the fair credit Reporting act XXXX Account # 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 a payment on a credit card account under an open end consumer credit plan as late for d purpose. 
XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

RE : Medical Collection Dispute Report # XXXX for XX/XX/XXXX Dear Sir/ Madam, I refer to the above Experian credit Report # XXXX for XX/XX/XXXX specifically medical collections as follows ; Please note that the above medical collections are erroneous and should not exist. During the time collection was placed I have an active California XXXX ( XXXX ) Insurance Coverage from XX/XX/XXXX to the present and I should not be receiving these medical bills. See attached Medical Status Report from XXXX XXXX County Eligibility Service dated XX/XX/XXXX, Case Number XXXX.