davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Due to my all my credit report with out provide documentation my credit report is in good condition refuse to take it XXXX XXXX XXXXXXXX shouldn't be on my credit report I paid my self balance in full I completed it earlier change my credit score with out verification illegally operation my personal information credit report agency I am tired of them doing me like that drop my score XXXX point with investigation correct paperwork
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. (TX)

Well, according to Consumer Law of 15 USC code 1681a transactions and history amounts are not to be reported. Also, 15 USC code 6802 was violated I was not given and have not or ever given the option to OPT OUT of anything being added to my consumer report. Experian, XXXX and XXXX have never provided the option or fulfilled their part in letting me know what is being reported on my report. Furthermore my bank institutions have also improperly reported ( XXXX XXXXXXXX, XXXX XXXX XXXX  ) according to the Fair Credit Reporting Act and the Privacy Act of 1974, also 12CFR 1016.13, 1016.4 and 1016.5. They have never informed me of my right to exercise my disclosure option. 15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection consumer report containing any of the following any of the following items of information and any adverse items of information, other than records of convictions of crimes this antedates the report by more that seven years. These agencies are once again reporting without my consent it is against the LAW 15 USC code 1681s-2 ( A ) ( 1 ) states " a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is not correct. 15USC code 1681e also states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations section 1681b of this title " Experian, XXXX and XXXX are not complying with procedures. Also my banking institutions ( XXXX  XXXX and XXXX XXXX XXXX ) are not following procedures as well. They are offering my information to 3rd party agencies, who are not banks. Furthermore, 12CFR 1016.7 states a consumer may exercise the right to OPT OUT at anytime '' I am opting out of the reporting services. Also, whatever happen to the Fair Credit Reporting Act 15 USC 1681 section 602 which states " There is a need to insure the consumer reporting agencies exercise their grave Responsibilities with Fairness, impartially and respect for the consumer 's rights to privacy. '' O, I have the right to make sure my private information is not shared which states in 15 USC 6801, " It is in the policy of Congress each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of consumers nonpublic personal information. Absolutely, non of these credit reporting agencies have my written, implied verbal or non-verbal consent. ONCE, again, I am OPTING OUT of your reporting agencies and banking institutions.
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation (GA)

In XXXX of this year I had a XXXX XXXX replaced By XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX GA XXXX. XXXX. He acquired financing with Fortiva Retail Credit and I was sold a XXXXmonth XXXX XXXX deferred interest loan. When I went to pay off the loan XXXX months later after paying all payments early and online I was hit with the fact they had been charging interest to the amount of {$800.00}. When confronted they said it had never been XXXX XXXX deferred and goodbye. The owner ( XXXX XXXX ) who arranged the loan over the phone when I signed up agreed with me it was sold as XXXX XXXX deferred.
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

After the XXXX  in XXXX it was apparent the family home was in foreclosure. I attempted to work with Wells Fargo by producing 10 packets through XXXX and was denied a new loan, I used a local housing counseling program as requested, and tried mediation. I received a letter from Wells Fargo on XX/XX/XXXX stating that the property did not qualify for a HAMP loan because it was " a three unit, investment property. '' The property is NOT an investment property, I called immediately and left a message ; it was a home on 1.69 acres ; I had no idea where the idea it was an investment property came from. I received a letter of apology from Wells Fargo on XX/XX/XXXX stating that their previous letter of XX/XX/XXXX incorrectly referred to as a " three unit, investment property. Per the original loan application, our records indicate that the loan was originated for a single owner occupied property. '' " WFHM regrets any inconvenience or confusion this may have caused you. '' The letter stated my loan " is in review ''. Once I received the HAMP loan the mortgage jumped from {$290000.00} ( XXXX ) to over {$350000.00} ( XXXX ) and WFHM refused to negotiate to forgive or allowed for their error involving their mismanagement and misinformation of the property. I believe the hardship of 3 years plus they unwillingness to forgive any of the penalties and interest qualifies for the pay out being offered. The loan was also supposed to be in my name only and yet to this day they have not taken my former husband ( now deceased as of XX/XX/XXXX ) off the loan as promised. I signed the paperwork for the HAMP alone and he was not part of the HAMP loan as we were divorced and he did not fill out any of the 10 packets. Why is the loan still in both our names when only I applied? WFHM informed me ( in XXXX ) that to take his name off required another re-finance that I felt was too costly ( I was quoted between {$40000.00} to {$50000.00} ).
Consumer complaint received 2023-09-26
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. (MO)

On XX/XX/23, someone stole my identity. Someone opened a XXXX XXXX XXXX credit card under my name. 

I reported it fraudulent immediately to the police, FTC and all three credit agencies. 

XXXX and XXXX have taken them off my report but TransUnion has not. 

I have been calling and trying to fix this for months. 

I have a hard inquiry on my credit report and also points taken off for this fraudulent charge on my account. 

I want it removed from my account immediately along with I want my points back as this situation is fraud. 

TransUnion however will not help me. Ive spent months and they are not doing it. 

I have been a victim of identity theft and my credit and financial life has suffered tremendously. I need this off my report and my points back.
Consumer complaint received 2024-03-23
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america owes me for XXXX claims still that were made over XXXX yrs ago. My end benefits were stolen and I want my claims payed to me. I'm a single mother of XXXX and need this money to pay my rent so I don't loose my home. I don't want to end up homeless. They need to reimburse me instead of denying my claims. They have a policy that says they will investigate each claim and if they can't resolve it in XXXX  days they will give customer provisional credit. It's been years and they have not provided me with that. These claims are the only ones left for them to pay me back for letting my benefits get stolen. I want my claims reimbursed to Me
Consumer complaint received 2024-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accurate with the Fair Credit Report?

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 of late for any purposes. According to my credit score account I have hard inquiries attached and affecting my credit score causing it to go down because of the inquiry that I dont recognize.
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC. (AZ)

XXXX XXXX XXXX is the installment loan I used for my XXXX aligners. XXXX, I received notification via email from XXXX XXXX XXXX  that they have filed to seek protection under Chapter XXXX of bankruptcy. I was approved for a realignment of my aligners due to fitting issues, and my appointment was on XX/XX/XXXX. I have a lot of unusable aligners, prompting XXXX to allow me to have the aligners adjusted per their Smile Guarantee. XX/XX/XXXX, XXXX notified me that they have ceased all XXXX operations, and customer support via their XXXX number is no longer available. The email also said orders have been canceled and will not be shipped, current treatment plans under the XXXX XXXX XXXX platform are no longer available, the XXXX XXXX XXXX is null and void effective immediately, and if there are any questions about treatment plans to refer to my healthcare provider or local dentist. This information is also currently on the small XXXX XXXX website. I paid my installment loan payments to XXXX XXXX XXXX for my XXXX XXXX XXXX  aligners. I have a lot of unused aligners because XXXX XXXX XXXX ceased operations. XXXX XXXX XXXX  has advised customers to continue making payments per the XXXX program. 
I spoke with XXXX XXXX XXXX and have constantly contacted them. I have made all required payments until XX/XX/XXXX because I'm waiting for more information as instructed on XXXX XXXX XXXX 's website. 
I spoke to XXXX XXXX and XXXX, representatives at XXXX XXXX XXXX, and have asked for a settlement for a lesser amount because of the inability to use the product I originally received per an installment loan ; the XXXX  guarantee is no longer available, and I asked if XXXX XXXX XXXX would settle for a lesser amount. I sent an email to XXXX financial direct compliance representatives XXXX XXXX and XXXX XXXX requesting a settlement due to the list of facts. I am still waiting to receive a response. I asked that the balance of this installment loan be forgiven and relieved of my financial obligation to Smile Direct CLUB and XXXX XXXX due to the financial burden of my treatment plan being abruptly discontinued. I have been advised that my loan payment is 30 days past due, and I risk collections efforts. I Have revoked their access to my payment details in my first complaint. However, this has not happened, and my payment information is still on file. I no longer want to be financially obligated for this installment loan and have reached out to XXXX XXXX XXXX with that request, resulting in unsatisfactory results.
Consumer complaint received 2024-02-28
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: EdFinancial Services (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Please update the following accounts as paid, never late.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2023-04-26
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. (PA)

So my understanding so far is, no matter what I submit to support my claim XXXX XXXX XXXX wins. I have sent to you, the paid contract did XXXX XX/XX/2019, I have sent you two letters from representatives at XXXX who have said the account was paid and not charged off. I have sent you a recording from their phone system saying it was paid in XX/XX/2019. What do you actually do here. The credit bureaus have changed the report over and over. One has one month, one has two months and one has three months and these have changed over and over again. My understanding is that federally its not even a charge off if its not over 120 days, if thats so clearly it should be removed. If my only option is to seek a lawyer then thats what Ill do.
Consumer complaint received 2024-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc (CA)

KLS FINANCIAL SERVICES Account Number XXXX Dear KLS FINANCIAL SERVICES, I am writing to dispute the debt collection notice I received from your company dated XX/XX/2023. According to the notice, I owe {$630.00} to XXXX XXXX However, I am disputing this debt for the following reason ( s ) : KLS FINANCIAL SERVICES is violating your consumer rights by using false misleading, misrepresentation and deceptive means. KLS FINANCIAL SERVICES has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of incarceration I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-26
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. (PA)

So my understanding so far is, no matter what I submit to support my claim XXXX XXXX XXXX wins. I have sent to you, the paid contract did XXXX XX/XX/2019, I have sent you two letters from representatives at XXXX who have said the account was paid and not charged off. I have sent you a recording from their phone system saying it was paid in XX/XX/2019. What do you actually do here. The credit bureaus have changed the report over and over. One has one month, one has two months and one has three months and these have changed over and over again. My understanding is that federally its not even a charge off if its not over 120 days, if thats so clearly it should be removed. If my only option is to seek a lawyer then thats what Ill do.
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I set up my account last year to enable auto payments for $ XXXX. However, my payment was reversed last XXXX and found out about it only XX/XX/year>. I called them and they said that no payment was taken which was impossible as I made sure there were funds in my account every XXXX of the month. I paid the past due and the current and set up the account for autopay by providing the bank info once more. However this XX/XX/XXXX again, the payment did not go through. So I had to go online to manually process my payment. It says it went thru bia email but i monitored my bank to see if the funds were taken. I did not see the amount from my bank account. I checked online if I was the only one who is experiencing this issue. There were so many of us. Please help. I do not want to keep on doing this and then end up being on a default.
Consumer complaint received 2023-12-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Business Financing Corporation (NH)

CFG and an agent acting on their behalf acted in a predatory manor by doubling the amount they were taking directly from my account. When I inquired about why my payments doubled in the amount during my slowest season, they ignored or blew off my questions for two weeks. I then requested a stop payment for their doubled amounts being taken from my account. My agreement with them was to pay weekly payments based on my weekly invoices to customers. They did not follow this agreement. After I contacted them to let them know that I had done this due to 0 communication from them, they immediately contacted my employer for which I receive a w2 ( nothing to do with my business whatsoever ) They aggressively stated to my employer that they were to forward my paycheck funds to them for collection of a debt. In my research, it seems to be highly illegal for a debt collector to : 1. demand money from someones employer for a debt. 2. Give someones employer details regarding the debt and why they are doing so. This company has bullied me and my business, harassed me, my job and my customers on more than one occasion, and has done so with what seems to be the intention to bankrupt my business. I have never experience anything like the practices that this predatory advance provider uses. Currently, after I informed them of filing a complaint, and reaching out to attorneys, they have reached out to my customers and payment processors forbidding them to do business with me because I " owe a debt. ''
Consumer complaint received 2023-09-26
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. (TX)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$22.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX
Consumer complaint received 2023-04-26
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXXXXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.