davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (RI)

Since Nationstar changed to XXXX XXXX, they no longer send paper statements to me. They send an email that should allow me to gain access to see the monthly mortgage amount due and date due along with other mortgage info. However, everytime I try to access my account with the link, I get a message that the website is down. I have tried on 3 different days, multiple times. The site says that you can still access mortgage info if you call an 800 #, but when you call the 800 #, a recorded message just tries to sign me up for a medic alert system and " free '' cruise, then disconnects me. I can not connect with a rep nor am I able to access recorded account info.
Consumer complaint received 2018-08-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (AL)

The loan is with easy money on XXXX XXXX in XXXX alabama. My first payment was due XX/XX/2018 and that is also my pay date. I came in early on XX/XX/XXXX to pay back my loan and borrow a lesser amount. The girl working that day did not ask me what I wanted to do as far as reborrow or pay off so she hands back the full XXXX. I took that amount so that she would not have to start all over and print more paperwork. I didn't realize that she did not correct the date on the paperwork being that I paid early so it put me due earlier than I should have been due and not on my pay date. The company put the check through causing it to bounce and cost me an overdraft fee. I tried calling and clearing things up with them but both people I spoke with did not try and correct the problem but instead were rude and asked when I would be in. I explained that my account had been messed up from this problem and that I would be in to show them my paper work. To cover the mistake they had made they tried on what should have been my correct due date and pay date several weeks later. This was not an authorized payment being that they did not admit that my paper work was dated for the wrong date and I did not know that they would do this. This caused more fees with my bank. They did the same thing 2 more weeks after and more fees were added to my account. I contacted the bank and explained what they had done and was credited for 1 of the overdraft fees and a stop payment was issued. On XXXX XXXX I was negative XXXX dollars from this company. I have not had a loan in that amount. They could not collect on my loan amount so took it upon them selves to try for another amount. They have committed fraud by taking an amount that is not owed by me and I have not authorized that amount.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (AZ)

On XX/XX/XXXX and XXXX XXXX Credit Karma gave access to a hacker/stranger to my Credit Karma banking account. They let him change my phone number and other personal information linked to my bank account. They did not ask this person for any type of identity verification. Due to this the person transferred most of my funds out of my account. After this incident on XX/XX/XXXX, I called Credit Karma directly and spoke to a customer service rep named XXXX I tried to dispute the transactions that were fraudulent to which they said I could not do a dispute until the transactions went through and were settled. I explicitly asked to speak to a supervisor because I was a victim of identity theft and wanted for those transactions to not be approved and to close my account and have a new one opened for my identity protection and per my identity theft recovery, their response was to disconnect the call and not take my call again for the day. ( they verify who you are through your phone number ) Once the transaction settled on XX/XX/2024 I called Credit Karma and spoke to a CSR XXXX, and I was able to dispute the fraudulent transactions. I was also able to let him know I had changed the email on my account because the hacker/stranger knew that my account was connected to such email. I also requested for my account to be closed and be given a new one, he gave me a timeline of 48-72 hours till today they have not communicated with me and have not provided any information as to why my request can not be managed. What I do have to say is that this company is either providing personal information to someone and giving them access to consumer accounts, because when I found out that they had provided and changed personal information without first verifying any of the information for example phone number and or home address I knew something was off, because every time I needed to do a change or talk to customer service they would send a code either to my phone or asked other private information. Not only that they took more than 72 hours to respond to any email, however they made all those changes within hours for this person.
Consumer complaint received 2024-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North American Credit Services (FL)

a Letter from North American Credit Service , Inc. ( NACS ) was mailed XX/XX/XXXX stating I owed them {$160.00}. 

XXXX sold the medical debt to NACS - no notice was ever sent informing me of my options to opting out of and/or selling/ or distrubting my non public information to this 3rd party. 

Liability : Pursuant to Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) The Privacy Act of 1974 ( 5 U.S. Code 552a ) XXXX XXXX ( 15 U.S.C. 6801-6809 ) willing to negotiate this settlement. email me at XXXX.
Consumer complaint received 2024-03-20
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. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27
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 many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-21
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. (VA)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2024-03-20
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. (WA)

It has become clear that XXXX has disclosed my nonpublic personal information ( as defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) " Account balance information, payment history, overdraft history, and credit or debit card purchase information '' ) to at least three nonaffiliated third parties, Experian, XXXX, and XXXX. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6801 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, by law financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right. 

XXXX has never given me a reasonable means of opting out of disclosure of my nonpublic personal information, as required by federal law. I have OPTED OUT on XXXX XX/XX/XXXX of any and all authorization that I may have given XXXX to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 127 violations of my privacy regarding my accounts with XXXX since XXXX. 

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. 

Following were the terms of my PARTIAL OPT OUT : 1. I do not authorize you disclose account balance amounts. 
2. I do not authorize you to disclose account payment amounts. 
3. I do not authorize you to disclose instalment amounts or terms. 
4. I do not authorize you to disclose credit limits. 
5. I do not authorize you to disclose credit purchases. 
6. I do not authorize the reporting of my payment history in $ amounts. 
7. I do authorize the disclosure of my account payment status ONLY ( Paid, or Paying as agreed ) I have received no response after my express OPT OUT on XXXX XX/XX/XXXX, and XXXX is still disclosing my nonpublic personal information to Experian, XXXX, and XXXX.
Consumer complaint received 2023-10-18
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. (OH)

Hello. I've reached out about accounts on my report that are illegally being reported. These accounts include negative or adverse information that I am requesting be permanently remove the following accounts. These companies, XXXX, XXXX and TRANSUNION have failed to provide me with the contracts with my signature to verify that the these accounts belong to me. 
Also inclouded will be inquiries that I have no connection with and not doing any business. These inquiries are causing negative effects to my credit profile and I wish to also have them removed. 
I am including photos of my identification so that any incorrect information including wrong addresses and incorrect names. 
Closed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Laws connected : Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ).

604 ( 15 U.S.C. 1681b ).

604 ( a ) ( 3 ) ( D ) ( 15 U.S.C. 1681b ( a ) ( 3 ) ( D ) ) ;
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This erroneous late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I implore you to rectify this error promptly by removing it from my account, as it does not accurately reflect my payment habits.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2024-03-20
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: WELLS FARGO & COMPANY (FL)

Received a credit card bill in XXXX for {$5000.00}. I immediately called Wells Fargo and told them I did not make the charges. They cancelled my card and sent me a new one. I then received a letter from Wells Fargo stating they were through conducting the investigation, found no fraud was committed and I owed the money.. I then cancelled the new card. 
I then went to the XXXX XXXX XXXX Police Department to report the incident I spoke to an XXXX XXXX XXXX and was assigned a case number XXXX. 
I then went to the XXXX Police on XX/XX/XXXX. XXXX XXXX XXXX got the case. # XXXX. The phone number for XXXX XXXX is ( XXXX ) XXXX. Wells Fargo. fraud department will not talk to XXXX XXXX despite several attempts calling and emailing them. 
I did not have a membership at XXXX XXXX at the time of the charges. XXXX XXXX went to XXXX XXXX XXXX and discovered that a person named XXXX obtained a XXXX XXXX membership out of State and she and XXXX accomplices went to the XXXX XXXX and purchased gift certificates XXXX the same day XX/XX/XXXX. 
I also notified the XXXX XXXX Police and XXXX XXXX received my report and it it under case # XXXX. 
I also notified the XXXX XXXX XXXX Police Department and they have provided me with an incident report submission XXXX.
Consumer complaint received 2024-03-20
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. (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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (FL)

I spoke to them in XX/XX/2023 and Im not able to pay {$87.00} at all due to XXXX from XXXX XXXXthey still wanted me to pay even though the amount was smaller i still can not pay!
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-20
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. (PA)

Over 7 years ago I opened a credit card. Had trouble paying, but then paid it all off 100 % at the same time it hit my credit report. The reports show it as paid with a XXXX balance. However, it has been a very long time and the tradeline is not being removed. The card company indicated through investigation that they can't find the account under any search parameters yet they still report it as accurate. Its been 7 years and all parties refuse to remove this from my report. 

Credit card company is XXXX XXXX
Consumer complaint received 2023-10-27
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)

Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2023, I conducted an inquiry into my credit report and discovered items that were unverifiable, invalidated, inaccurate, or questionable. Your agency did not ensure that the information it reported was completely 100 % accurate. 
In response to these findings I on XX/XX/2023 created and mailed numerous letters to XXXX, Equifax, and XXXX requesting these items to be either investigated proving their accuracy or to have them removed due to not being correct. 

However, I have not received anything from them. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.