davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I recently checked a copy of my credit report and I'm horried and shocked that I'm a victim of identity theft. I found many accounts and hard inquiries on my credit report that were not open by me. This is hurting me very much because I'm in the important process of getting a house for my growing family size, my ancee, and my daughter. This is also hurting me also to get my daughter a car for school and work. Please remove and delete the fraudulent accounts and hard inquiries from my credit report as soon as possible. 
( Hard Inquiries are listed below. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-07
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: Experian Information Solutions Inc. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 
On XX/XX/2023 and again in XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy. 

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2023-01-31
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)

Disputed late payments multiple times regarding XXXX XXXX XXXXXXXX Demanded proof of investigation because the late payments were in fact never late and it is being reported inaccurately after multiple disputes and chances to resolve this issue. 

In addition this account was furnished without my consent ( 15 usc 1681b ) and I demand either a correction of the late payment OR DELETION of entire account.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (FL)

I am trying to get car insurance. XXXX gave me an absurdly high quote XXXX XXXXXXXX. XXXX sent me an email that said that if I had an unusual life event that I could contact them. Of course XXXX doesn't give a XXXX XXXX about anyone. Its unclear if they got my credit report from XXXX XXXX or Lexis Nexis. I am also not sure where any of these companies were from say XX/XX/XXXX to XX/XX/XXXX, or even XX/XX/XXXX or even in this country or on this planet. I am personally sick of the way credit scores are used mainly to hike rates and charge me. Its this fake male patriarchy that decides who is in the A group and who, XXXX XXXX women who get put in the Z class. Why does all our life have to be decided by boys who social learning stopped around the XXXX grade. I told XXXX that I am XXXX, a woman, XXXX. I lost my contract job with the VA in XX/XX/XXXX and despite working at a bunch of jobs including now as a substitute teacher which I really can't do. I come home and my legs just hurt. They just do. But you know I am just not the only ones affected by covid. Whole families had a lot of difficulties. I lost five people in my family over two years starting with my mother. What exactly do these companies think is a disaster. Where were they? Charging absurd high interest rates on cars event though no one was driving. Its really time to do away with this credit reporting system. I think it is really biased against women, minorities and people who are non-white male. I never got into that category.
Consumer complaint received 2023-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (NY)

On Monday, XX/XX/XXXX, I was contacted via my college email for an online job opportunity. I had assumed that this was a real business and that there would be no harm in joining this online business since I was contacted with my school email. Unfortunately, I was wrong. XXXX XXXX, XXXX, the employer, scammed me. He presented as a manager for XXXX 's Online Service Department. My task would be to handle customers ' order and ship their packages to their mailing addresses. In addition, I was promised to be compensated, weekly. The business started with me receiving a check, to deposit into my account and the employer, XXXX XXXX accessed my Zelle, XXXX, XXXX account. He made transactions on my accounts, sending out my money to his " suppliers ''. I did not authorize these transactions and I am seeking my money back. I wasn't aware of this until Thursday and tried to call him. He did not pick up nor return my calls. 

I came to find out that the check that was sent to me was fictitious. I was not aware of this until yesterday when I spoke with a representative from XXXX XXXX  regarding these unauthorized transactions. In addition, I just found out that the check ( when you zoom in closely ) states it is a voided check. I would like for you and your team to do further investigation on this individual, and all other parties involved should be held accountable. Please help me receive my full money back. I have provided a couple of documents as proof of this incident. If additional evidence is needed, I can provide it, such as text messages and transactions made. I was able to dispute my claims with XXXX and XXXX and will be funded on XXXX. I need your assistance to have Zelle refund me the stolen money. Thank you
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2017-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On  XXXX   XXXX , a dispute letter to the Transunion credit reporting agency was sent to validate the accuracy of a bankruptcy and  XXXX  judgements. I never received a letter back but on  XXXX   XXXX , I called and checked the status of the dispute. I was told that the dispute was completed. The bankruptcy was verified and the judgments were deleted due to no validation. I asked who verified. I was told the bankruptcy was verified by the  XXXX   County Federal District Court.  When I contacted the  XXXX   County Federal District Court,  I was told by  XXXX  Clerk,  XXXX   XXXX   XXXX , that the bankruptcy could not be verified due to not finding any information on me. I resent a re-investigation dispute on  XXXX / XXXX /  XXXX   and Transunion received the dispute on  XXXX . On  XXXX , I called again to check the status and again was told that bankruptcy was verified. I asked how was it verified and she stated that they do n't verify. They do n't look at any paperwork and that they depend on the computer system to verify any information received. No human eyes looked at the information/paperwork until it is labeled verified into the computer. So I asked, " did you actually talk to anyone and she stated no we do n't, just sent a transmission through the internet. which is a violation of the FCRA. It was all done in less than a day and without accurate verification. I would like this bankruptcy removed due to it being inaccurate and because validation was never received to report this error. This bankruptcy is not allowing me to become a independent person. I have to rely on others for my living situation due to this reporting on credit.
Consumer complaint received 2023-11-18
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. (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. 

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 2023-06-07
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. (NY)

All 3 credit bureaus are reporting COLLECTIONS from the following unknown companies ; XXXX, and XXXX. All 3 bureaus are reporting these accounts without verification from these outsourced businesses plus they show inconsistent information to each other enforcing my belief that these accounts are not mine nor have I ever created an account with any of them, so these accounts are fraudulent. Many attempts were made for validation. No response was sent to me.
Consumer complaint received 2023-11-18
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY (MA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Re : Target Credit Card Application and XXXX Concerns Dear Consumer Financial Protection Bureau, I am writing to express my concerns regarding Target 's credit card application process and its implications for individuals with XXXX. I recently applied for a Target credit card and was subsequently instructed to upload certain documents to their website. However, I encountered several issues that I believe are discriminatory and violate the Americans with XXXX Act ( AXXXXA ). 
First and foremost, Target 's requirement for uploading documents online creates barriers for individuals who may not have access to the special equipment or the ability to scan and upload documents. This requirement effectively excludes a significant portion of the population from accessing the Target credit card, which is a violation of the AXXXXA 's mandate of equal access. 
Secondly, Target 's privacy policy regarding submitted information raises concerns about the potential misuse of personal data. The policy states that " All information submitted to us via the Services shall be deemed and remain the property of ours. We shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a user of the Service provides us through the Service. '' This broad and vague language suggests that Target may use submitted information for purposes beyond those necessary to process credit card applications, potentially violating individuals ' privacy rights. 
Finally, when I contacted Target to request reasonable accommodations for my inability to upload documents online, I was met with an insensitive and dismissive response. A customer service representative informed me that Target considers individuals ' XXXX that preclude certain tasks as a personal choice, a statement that is not only insensitive but also contradicts the AXXXXA 's clear provisions. 
I urge the Consumer Financial Protection Bureau to investigate XXXX 's credit card application process and ensure that it complies with the AXXXXA. Individuals with XXXX should not be denied access to credit cards or subjected to discriminatory practices due to their limitations. I believe that Target 's current policies and practices are unacceptable and require immediate attention. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (FL)

Pertaining to Vehicle XXXX XXXXXXXX XXXX XXXX, Wells Fargo has been allowing XXXXXXXX XXXX XXXX XXXXXXXX family to unlawfully credit their account with XXXX. XXXX XXXX XXXX XXXX family is not of the federal reserve & does not have the qualifications to use sed notes, including rendering down payment in addition to the monthly notes for the XXXX XXXX XXXX from XXXXXXXX XXXX XXXX. 

The Correct tender has been sent to said party to correct for set off Several forms of written correspondence has been sent to Wells Fargo Auto, along with endorsed contract with tender or payment for full remittance. 

Wells Fargo has violated many consumer laws. 

1099a filing to the IRS was accepted.
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (IL)

Without fail, I've maintained timely payments on this account, preventing any instances of overdue payments. I'm unclear about the reasons behind reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, this should be addressed.
Consumer complaint received 2023-11-18
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-18
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MT)

Chase bank will not return two online transactions from my business checking account into my personal account and they also debit two transactions for the same amount and will not give me my money back I have called numerous times and all I get is letter stating they will not be returning the money I have all nessary documents to prove they have literally stolen my money I have been dealing with this since XX/XX/23
Consumer complaint received 2024-05-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (GA)

XXXX  of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the XXXX I attended, ( XXXX XXXX XXXX XXXXXXXX ). 
As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the XXXX XXXX of XXXX states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of XXXX  were XXXX and my credit repaired. 
I am aware that Navient was sued by XXXX state XXXX  regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for XXXX  months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the XXXX settlement, didn't Navient also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX XXXX could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a XXXX XXXX times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the XXXX  " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. 
XXXX is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

Link to XXXX XXXX Letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX