davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-01
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: EQUIFAX, INC. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2023-08-30
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete From My CREDIT REPORT 12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

13. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (ME)

I applied for the SAVE repayment plan for my federal student loans through my loan servicing company Mohela. I received documentation that I qualified for my repayment plan to switch from my current IDR to the SAVE plan. Mohela provided the documents to show that my payments would change drop from {$310.00} to {$87.00} starting XX/XX/XXXX. I made my first payment for my IDR for the {$310.00} amount in XX/XX/XXXX and then had my loans placed in administrative forbearance for the month of XXXX per Mohela. I received correspondence on XX/XX/XXXX that my next payment is due on XXXX for the amount of {$310.00}. I am a XXXX and am already having a hard enough time getting through paying my bills, keeping a roof over my head and food on the table that is why I applied for the SAVE plan to drop my payments. It is frustrating not being able to get through to a anyone at Mohela to inquire about the delay in payment plan change when I have all of the paper documentation on file to show that I went through the proper steps to get approved for my loan payment to be changed.
Consumer complaint received 2024-01-01
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)

XXXX XXXX  Reported a late payment Account name XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly Payment - Original balance {$34000.00} Highest balance - Terms 72 Months Balance history XX/XX/XXXX {$1600.00} Balance {$610.00} Schedule payment {$680.00} Paid on XX/XX/XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (MS)

XXXX The above account is being reported on credit report illegally by PROCOLLECT , INC . This account is shown as a collection/charge off on my report. A charge off is considered a certificate of indebtedness, which means it is income and income can not be reported on a consumers credit report. Therefore i demand that it be deleted from my credit report immediately.
Consumer complaint received 2024-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (WA)

Company XXXX XXXX XXXX is a fraudulent account reporting collections to my credit report for the amount of {$590.00} reported on XX/XX/22. This is due to identy theft. I have never signed a wet contractual contract or open an account with this company.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Hope this finds you well. My names XXXX XXXX, when I look on my credit report I see inaccuracies from the reporting of this card. One bureau says it's late one month, another says a different month. I've never noticed this with any other cards. I look forward to hearing back. I'll be attaching my credit report with the account #
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

This credit union XXXX  also known as XXXX XXXX credit Union has consistently reported personal information to credit bureaus Equifax, XXXX, & XXXX without any prior disclosures to me or notifying me in anyway 15 USC 1681b- Permissible Purpose of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT 15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

How are you following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? Without Permissible Purpose, anyone paying for your reporting services could fax, mail or email fraudulent information to my consumer report.
Consumer complaint received 2023-03-12
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. (FL)

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate THESE INQUIRIES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Last year I called Bank of American to apply for a credit card to make a balance transfer on another credit card. The bank representative told me he recommended adding a new credit line on a credit card I already had. He told me I would be a new credit line and I wouldn't be charged interest. I noticed they have been charging me interest on new purchases I've made since last year after he told me I wouldn't be charged interest until the year 2024. I explained the misunderstanding to the bank but they refuse to take action and fix things.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

I have never done business with portfolio recovery I've never opened an account with XXXX XXXX XXXX either. I have no knowledge of these accounts. I reached out to them to make them aware of my victimization being trafficked abused and disputed this information. They put on my report that I diapered the account but it meets fcra standards. This is egregious which means transition didn't do their job in investigation not did profile recovery. I want XXXX removed portfolio recovery removed as well as the hard inquiry associated with the companied and my score accordingly
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My recent credit score is decreased by XXXX points, when I accessed my credit history. I can see accounts that was paid off and closed still show as delinquent. Also, the account of XXXX never been delinquent and was voluntary closed by me. 
I had been working had to get my score back to the right direction However the credit Bureaus don't want to clear my old accounts which they are impacting my credit negatively.
Consumer complaint received 2024-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (FL)

XXXX statement {$150.00} payment XXXX statement deferred XXXX statement {$150.00} payment How can you be in repayment status then deferment then repayment status in 30 days
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MA)

a closed bankruptcy is on my credit and LexisNexis will not remove it, even though I verified with the court they do not validate credit reports, nor do they report bankruptcies to credit reporting agencies. This creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish account without my written instructions
Consumer complaint received 2023-09-22
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: Early Warning Services, LLC (TX)

I wish to dispute only one account XXXX XXXX XXXX I didnt apply for this account Never did business with XXXX and never lived at XXXX XXXX XXXX XXXX Texas XXXX and I have proof of address if needed.. 

Never own a email address XXXX XXXX isnt giving me the option to send in a FTC police report and keeps rejection this dispute Please reopen this investigation for fraud/identity theft
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES XXXX 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 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

In XX/XX/XXXX there were two transactions for {$480.00} that should not have been taken from my account. Total being {$960.00}. I filed a dispute immediately .They provisionally credited my account a month later which is far past dispute resolution timing in XX/XX/XXXX for only half of the amount but sent an email saying the provisionally credited my account the {$960.00}. I inquired on this many times. Got slim to no real response on this. Finally On XX/XX/XXXX they stated they were going to investigate this and get back to me. On my fifth they reversed the provisional credit. I filed a rebuttal and asked for documentation on their decision. They sent me redacted photos of basically nothing and also transactions from a persons account that is not even mine. I have asked about this time and time again. Reached out again end of XX/XX/XXXX. They told me to file a rebutal with them. Before i could do so, they closed my accounts, leaving me with a negative balance and no way to access my accounts, and my secured card now closed on my credit report which made my score go down.
Consumer complaint received 2024-01-02
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. (NY)

I do not recognize the credit inquires below and I have asked for these inquires to be removed, but they were not removed by the credit bureaus. I am requesting that they be removed, because they are inaccurate and not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, XXXX, XXXX This is a formal complaint against Wells Fargo Bank. 

My credit and personal information was used with FRAUD purposes by Wells Fargo Bank from XXXX. 

Wells Fargo had settled a law suet for millions of dollars ; I file a clain to be compensated for damages and abuses made on my name and my line of credit. 

1- I call XXXX and made a verbal claim XXXX. on XX/XX/XXXX XXXX I requested a form and was fill out and sent via mail XXXX 

And until this time XX/XX/XXXX, I had not received the financial compensation promise by Wells Fargo Bank, after a settlement was agreed to pay to all costumers for unauthorized use of name and credit to issued false loans on homes, properties, and personal loans. 

All these transactions are still posted iat XXXX XXXX XXXX XXXX courts which had damage my creline record for life.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (MO)

3 months ago I opened a Robinhood account to try and make a little money and n the stock market. My account had about {$1600.00} in it. I needed to sell my stocks and transfer the money to my main checking account about a week go. I sold all my stocks over the course of 2 days and on the third day transferred {$900.00} to my main account. The next morning I check the app and my account is under review with no access to withdrawal the rest of my money. Today ( Monday the XXXX ) I was supposed to be contacted about my account and the date has been pushed to the XXXX
Consumer complaint received 2024-01-01
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. (MO)

XX/XX/2023, letter was sent to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX a letter to the courthouse asking do they report bankruptcies to the credit bureaus. 

On XX/XX/2023 I contacted the XXXX XXXX XXXX house to see if letter was received. ( XXXX ) XXXX. I ask the clerk do they report bankruptcies to the credit bureaus? They stated they do not report any bankruptcies to anybody. So, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The terms " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer report agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

My rights violated numerous time. 
The credit bureaus violated my given right under 15 USC 1681.

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

According to 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.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (LA)

Chime closed my account back in like XXXX with a little over {$800.00} and I have been fighting and emailing and calling to get my money refunded back to me since then. I keep being promised that they will expedite my request but still nothing. They keep emailing back to verify my mailing address for the check and Ive done that with them several times. I email about once a day and call once or twice a week and still nothing. Ive had to take out loans and pawn my belongings to make up for the loss of this money to try and make ends meet and now Im in debt because of this.