davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United PanAm Financial Corp. (MS)

I co-signed for a car loan with my previous husband who I have been divorced from for 20 months. The judge overseeing the divorce awarded my ex- husband the XXXX  XXXX and the financial responsibility. The judge also ordered him to refinance the car and remove me from the original loan contract. 
I have had not contact with my ex-husband and he has not refinanced the car. He has fallen behind in payments and I have been repeatedly contacted by the finance company for payment which I can not make. 
I am a XXXX  XXXX  in the XXXX XXXX and am currently stationed at XXXX XXXX in XXXX. We have been overwhelmed the last several months. We have had a large number of personnel XXXX to XXXX  and elswhere to assist in the Covid-19 Pandemic and the reduced number of us left have been overwhelmed providing XXXX  to the military and civilian population. 
I have no way of contacting or compelling my ex-husband to make payments on the car and the continued negative reports on my credit rating serves only to cause me additional stress and threatens to damage my military career. 
It is well within the authority of United Auto Credit to release me from this debt. I have requested a compassionate release from them on two occasions and though they are aware of my situation, refuse to release me of liability.
Consumer complaint received 2018-05-09
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. (NJ)

A mysterious secured loan account appeared on my credit reports from XXXX XXXX XXXX, it states that it was open on XX/XX/XXXX, states that it has been 30-59 days late with payments, last payment on XX/XX/XXXX, and that the account is now closed.  I did not open and secured or unsecured loans in over a year.  I have never heard of XXXX XXXX XXXX.  This is fraud.  I have contacted them and the credit bureaus and it still is showing on my credit reports. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX
Consumer complaint received 2023-10-15
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: Experian Information Solutions Inc. (FL)

INACCORDANCE 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 16.81 The accounts below have violated my rights.

15 U.S.C 1681 section 602A 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 ) ( a ) 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. 

Delete the accounts 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
Consumer complaint received 2023-10-15
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. (FL)

INACCORDANCE 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 16.81 The accounts below have violated my rights.

15 U.S.C 1681 section 602A 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 ) ( a ) 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. 

Delete the accounts 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
Consumer complaint received 2023-10-14
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (FL)

In the past I complained about being a victim of Wells Fargo and nothing was done and we are still homeless as a result of their wrong doing. I need justice I am an elderly person with XXXX that has been took advantage of I need justice this matter needs to be addressed
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 16th 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 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 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX I re submitted an online dispute for a second time asking TransUnion to please update the late payments to paid as agreed never late.Between XXXX my student loans was in forbearance and deferment during the years TransUnion has listed as being late, I also asked for proof of statement showing late payments which I never received. I also asked how can I be in good standing in XX/XX/2017 and XX/XX/2017 Im 90 days late?. But instead for the second time XXXX XXXX results they investigated the information I disputed and updated : Date Updated; Last Payment Made ; Maximum Delinquency ; Rating. Which wasnt what I disputed even thought the dispute process online is difficult. I made sure to put in the comment where they ask why I am disputing this item again what I was disputing and the purpose.
Consumer complaint received 2018-07-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX   XXXX XXXX  Penny Mac Mortgage XXXX XXXX XXXX XXXX XXXX  Ca XXXX XXXX XXXX XXXX XXXX  Penny Mac Mortgage wan to pay all of the 2 months behind will not want to take one payment at time so I can at least be behind 1 payment instead of 2 payments
Consumer complaint received 2023-10-14
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: EQUIFAX, INC. (MO)

EQUIFAX IS NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION. I submitted disputes XX/XX/XXXX and have not heard anything yet. Tomorrow, XX/XX/XXXX makes 45 days and they are violating the Fair Credit Reporting Act.
Consumer complaint received 2023-06-23
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-14
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (TX)

I made a transfer by mistake and immediately contacted revolt to recall the transfer. After speaking with several agents that instructed me to unsend the transfer or recall the transfer They stopped responding when I sent them screenshots of the recall transfer option not working. You click it but nothing happens. As for the unsent option it does not exist. This is when communication stopped each time even when I sent an excerpt from your website clearly saying that I had the right to cancel within 30 minutes they did not respond
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (CA)

I mailed certified letters to Equifax, XXXX and XXXX informing them that incorrect information existed on my report pertaining to unauthorized inquiries. I attempted to contact the companies directly however to no avail. I also reached out to the credit bureaus individually, on XX/XX/2023 informing them that certified letters demanding prompt deletion of these inquiries, as required by federal Statute 604 under the Fair Credit Reporting Act, had been mailed. All three bureaus refused to adhere to the law and refused to do all that they could in that moment, to protect me, the consumer, my rights and privacy.
Consumer complaint received 2023-10-14
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. (FL)

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 2023-10-14
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: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-14
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. (CA)

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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (NY)

I am writing to report a violation of U.S. Code 6802 involving account number XXXX, under the label XXXXFORTIVA XXXX. This account, originating on XX/XX/2021, is associated with the address XXXX XXXX XXXX, XXXX, GA XXXX. 

Despite mailing a certified notice requesting my Disclosure in accordance with 15 USC 6802 ( b ), I have not received the mandated disclosures as per federal law. The law explicitly mandates that financial institutions must provide consumers with three disclosures before disclosing any non-public personal information. This is to allow consumers the opportunity to opt out of such disclosures. 

XXXX has knowingly and fraudulently withheld critical information, manipulating the situation to their benefit. This has led to unlawful reporting of my non-public personal information to non-affiliated third-party entities, against my will and rights. This situation has caused inequity for me, my family, and my household. 

I hereby invoke my specified remedy as permitted by law, which was denied by XXXX 's withholding of disclosures, pursuant to 15 USC 6802 ( b ).

Immediate action is requested to address this violation and ensure resolution.
Consumer complaint received 2023-10-14
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. (CA)

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 2023-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (NY)

What happens in the time for the covid 19 I went to the company XXXX to cancel my account and the said is okey but want to get my account in hold I said no so I signt a paper to closed my membership but the company didn't make after or 5hat they closed the XXXX for the covid 19 and they still charges in my account evening the XXXX XXXX was closed I don't think is fair also they send my to coleccion
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MI)

Today, XX/XX/22, I sent a number money through XXXX, and it was {$1500.00}. My friend said she would send me double back and she stopped replying to my messages and stole my money. I tried reaching back out and they never responded again. I desperately need it back to pay my rent.
Consumer complaint received 2023-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FISERV INC. (CA)

To whom it may be concerned.

I am a customer of Fiserv and have a credit card processing account. 

My funds have been illegally held since XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Fiserv has not emailed me or called me about this. When I called again today to ask what I can do to resolve this, they said they sent a letter to an old address I lived at over 6 years ago. 

The first time I reached out to them on XX/XX/23, my funds were held, and I wasn't able to speak to somebody until XX/XX/23. After that call, the woman on the phone ( XXXX XXXX ) assured me that the issue is resolved and all holds are lifted from my account. 

Shortly after that, just 8 days later, they silently blocked my deposits again, although this time I didn't get a call or an email about it like I did last time. 

Over the past month, I've lost valuable employees and I have over {$15000.00} being held illegally, and I'm not able to get in touch with anybody to resolve the issue.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: National Consumer Telecom & Utilities Exchange, Inc. (IN)

Per 15 USC 1681 I have a right to my consumers report one time per year and I have made several attempts through the website and by calling this company to obtain my consumer report. Every time I call I am told that they are unable complete my request and to mail my request. 
Per the consumer financial protection Bureau I am allowed one free credit report a year and if I have to go and buy a stamp and envelope that no longer makes it free and I am on a fixed income. I should not have to obtain these items to get my credit report consumer report which I am lawfully entitled to. 
By hindering me to these documents this company is making it difficult for me to verify my information while I'm trying to repair my credit and buy a home so it is viable that this information is available to me.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

Accounts first delinquency date is XX/XX/XXXX. 
Account was to be removed on XX/XX/XXXX according to Experian report as well as the customer service representative I spoke with in XX/XX/XXXX. Now account removal date has been removed the date of first delinquency is still listed as XX/XX/XXXX but the historical column show date of first delinquency as XX/XX/XXXX. XXXX I called Experian back on XX/XX/XXXX to inquire about this and request the account be removed in accordance with the reporting rules and the statement of the Experian representative in XXXX, the representative said that the account will now be removed in XXXX of XXXX because the first date of delinquency is XXXX of XXXX which is factually incorrect. The date of first delinquency clearly is and is listed listed as XX/XX/XXXX.
Consumer complaint received 2018-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I have been in communication with FCO. They are very uncooperative and make things very confusing, on purpose. We had make an arrangement for a debt to be settled as in full. Payment was made and cleared. Now they will just report as a settlement and not in full as they stated in their email.

This company is very unethical and uses words to confuse the average consumer. I am very unhappy with their sneaky ways.

The payment was made from two accounts on XX/XX/XXXX and cleared both accounts on XX/XX/XXXX. Attached is the communication between FCO and myself.