davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (VA)

on XXXX XX/XX/2023 I received a notice from XXXX XXXX XXXX that I have a delinquent debt originating from Department XXXX XXXX for {$43000.00} and I have no idea why. I contacted XXXX who could provide no information on this debt, only a guess it might be XXXX XXXX. I contacted XXXX XXXX XX/XX/2023 who conformed they have no record of this debt. They forwarded me to XXXX XXXX billing that also stated I have no known debt. At XXXX XXXX XX/XX/2023 I ran my XXXX  through The XXXX XXXX XXXX XXXX web site again no debt. this is very frustrating and scary XXXX  correspondence gives no recourse only pay or suffer a list of posable consequences. I'm not sure who to turn to for help. I guess base legal, file a complaint through the XXXX XXXX XXXX XXXX, and a XXXX XXXX. Again, I received no notice to correct whatever this is it went straight to a credit company for collection very scary please help.
Consumer complaint received 2018-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I called Transunion to help me remove inquiries that I did not authorize they told me I had to get letter of deletion from the company that ran my credit which I dont know who and why if I say it was an unauthorized inquiry they should take action.. XXXX XXXX XXXX XXXX those are the three companies I asked Transunion to dispute because I know nothing about them
Consumer complaint received 2023-12-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (IN)

Annual Interest rate is 25 % when I got approved for the loan on XX/XX/2019 at XXXX for the car although I had a low paying full time job and terrible credit. That makes my bill {$550.00} every month, and if I have a late payment an extra $ XXXX per month, on top of the {$6.00} processing fee for when I have to go online to make a payment. I believe they also charge the {$6.00} processing fee for if I make the payment over the phone.My finance charge is {$19000.00} in expenses due to this 25 % charge. Ive been making payments on this high interest note with late payments, and processing fees included so my bill is current. However, I feel like I should have never had a 25 % annual interest rate charge in the first place.
Consumer complaint received 2022-12-20
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: WELLS FARGO & COMPANY (IN)

In accordance with the fair credit Reporting Act XXXX XXXX XXXX   Account # XXXX has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (ME)

I called Equifax today because I keep having to dispute a piece of incorrect information that they will not take off of my credit report even though I have sent them the paid in full invoice twice. I thought maybe a phone call would be more effective then doing it online through their website. I was told that the last time I disputed the information they had 30 days to respond to the dispute which gave them until XX/XX/XXXX since I disputed the information on XX/XX/XXXX. They asked me how I knew information was updated on my credit report. I told them that I checked online. The representative from Equifax then told me that my credit report is only updated online once a month so I would only be able to find out once a month that my information had been changed on my credit report. He then offered me real time updates through them if I paid them {$9.00} a month. 

That seems like a HUGE conflict of interest. The inaccurate information that they refuse to take off my credit report is affecting the mortgage I am currently trying to get. How is a company that has such a huge part in everything about my life, from getting financing for a house to the security clearance for my job, allowed to charge me for real time updates when they should be providing those anyway if they are able to do so? These credit bureaus have a large influence in our lives and they should not be able to profit off of that.
Consumer complaint received 2023-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I was checking my credit report before a large purchase and this creditor is on my credit report twice, once with no data and a second time saying I paid something on time twice. I do not know who these people are and why they are on my consumer report. They need to remove their information from my consumer report immediately. I am also unaware as to how they acquired my personally identifiable information without express written permission from me. So my privacy has been severely violated.
Consumer complaint received 2018-08-06
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: AmeriCollect (FL)

On multiple attempts there has been written notices for verification and validation of the debt and alleged account. The creditor Americollect Inc. jas 2 different reporting inquiries for the following alleged account ( s ) : XXXX, XXXX for an alleged balance of {$660.00}, {$660.00}.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I was trying to open an account with XXXX XXXX upon running it they noticed I was in Chex systems for a XXXX  account under a social completely different from mine and an Adress that I have never used
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP (OH)

I applied for a XXXX {$25000.00} credit card in a XXXX XXXX Bank branch on XX/XX/2024. My appointment was with the branch manager. I received no follow-up on the status after XXXX business days. I made XXXX phone calls to the branch and was advised the XXXX XXXX was on leave. On XX/XX/XXXX, I received a phone call from " XXXX '' from the local branch. XXXX stated my application was denied. 
No mention of FCRA or any recourse according to federal regulations for banks and lending to minority populations. 

On XX/XX/2024, I received a letter from XXXX Bank stating 'unable to approve my application ' for a KeyBank XXXX XXXX XXXX XXXX The letter was addressed to XXXX XXXX and not to my business XXXX XXXX XXXX XXXX XXXX XXXX. 

There is clarity as to whether KeyBank considered Any credit consumer credit or Any specific business credit file, if any. 

KeyBank clearly discrimnated based upon my race, age and
Consumer complaint received 2023-12-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: MID FLORIDA FINANCING LLC (FL)

I PURCHASED A VEHICLEXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FROM XXXX XXXXXXXX XXXX XXXX XXXX IN XXXX FL. THE SALESMAN TOLD ME THAT NOT ONLY IS THE VEHICLE PUT THROUGH A RIGOROUS INSPECTION, BUT IT ALSO COMES WITH A 24-MONTH WARRANTY WITH A XXXX DOLLAR -DEDUCTIBLE. 
XXXX XXXXXXXX ALSO ADVERTISES THEIR IN-HOUSE FINANCING WITH MID FLORIDA FINANCE LLC WHICH IS THEIR FINANCE COMPANY. 
FAST-FORWARD I WAS DRIVING ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. WHEN THE CAR STARTED XXXX AND DECELERATING. THE CAR STOPPED RUNNING ABRUPTLY AND I HAD TO QUICKLY MANEUVER IT TO KEEP FROM BEING IN THE BUSY XXXX XXXX XXXX 
THE CAR XXXX PREVIOUSLY, BUT I THOUGHT IT WAS THR GAS. 
I WAS STRANDED OUT THERE FOR 4 HOURS, LEFT THE CAR OUT THERE TILL THE NEXT DAY, AND HAD IT TOWED TO THE MECHANIC THEY RECOMMENDED ME TO. HE TOLD ME HE HAS CARS COMING FROM XXXX XXXX EVERY D AY FOR REPAIR. 
I WAS LAYED OFF ON XX/XX/XXXX AS AN XXXX. I EMAILED MID-FLORIDA FINANCE LLC AND EVEN UPLOADED MY UNEMPLOYMENT COMPENSATION INFORMATION WITH THEM. LATER I FOUND OUT THAT THEY DO NOT CHECK EMAIL BUT CAN CALL YOU WITH HARASSING PHONE CALLS AND THREATS. 
I WAS WITHOUT A VEHICLE FOR OVER 2 MONTHS, IN THIS WAS NOT MY FAULT. I WAS UNABLE TO WORK OR LOOK FOR WORK, MISSED DOCTOR APPOINTMENTS, WAS STRESSED, AND WAS EMBARRASSED DUE TO THIS SITUATION. 
ALL MID-FL WANTED WAS MONEY IN MY SITUATION, GRANTED I LET THEM KNOW THAT I FOUND A JOB AS A XXXX XXXX, AND WILL START WORK ON THE XXXX OF XXXX. 
IT IS AMAZING HOW I PAID THEM THEIR MONEY AND HAD TO WAIT TO GET CAR BUT THEY CAN WAIT FOR ME. I FEEL THEY KNEW THE CAR WAS A LEMON OR NEEDED A TRANNY, USED ME TO GET IT FIXED AND REPO VEHICLE TO LATER RESALE. 
I SEE THEM AS A PREDATORY LENDER.
Consumer complaint received 2017-03-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (DC)

I 'm XXXX and require special accommodations. On XXXX at approximately XXXX, I walked into PNC Banking Institute located at XXXX, Washington , DC . I needed to withdraw XXXX dollars out of my checking account and follow-up with transactions made with my debit card on XXXX. In the process of conducting business at the Teller 's window, XXXX walked up to the right of the Teller 's window, while I was counting a couple of thousands and starting yelling " That 's Enough '', " Stop Her '', " Do Not Help Her '', " She Needs to Move, There Are Other Customers in Line '', with XXXX standing to the left of me at the Teller 's window. 
I asked XXXX XXXX if her staff could step back from the Teller 's window while I continue to count my money. Both women employed with PNC Banking Institute refused to honor my request to back away from the Teller 's window for my privacy. After counting XXXX dollars in all twenties, I needed to check on my pending transaction made on XXXX. I requested to file a complaint with their corporate office because those women made me feel so uncomfortable. 
XXXX would n't contact customer service until 60 minutes later ( XXXX/Sales Service Manager, XXXX, Washington, DC XXXX, Washington, DC XXXX ). Those women were so unprofessional and they are in serious need of training.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX  XXXX Balance : {$79.00} ; XXXX XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$89.00} ; XXXX  XXXX Balance : {$50.00} ; XXXX XXXXXXXX Balance : {$74.00}.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MN)

XX/XX/2023 I mailed two checks for {$17.00} and {$50.00} each. However, Chime 's check-issuing institution, which is apparently XXXX XXXX XXXX , submitted the checks in duplicate. I was charged a duplicate check fee by my landlord, XXXX XXXX. 

I paid the duplicate check fee online. I paid the fee right away online with an online payment fee of {$.00}. 

I have requested a rembursement for {$10.00} to cover the cost of the error on the part of Chime 's check issuer. I've gotten some email replied but none actually resolving the issue. 

XXXX XXXX
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

I have tried on multiple occasions to dispute incorrect names on my credit report with Experian, however ; they do not permit you to dispute online when names are involved.. To begin, my name is backwards. My correct name is XXXX XXXX XXXX. The following names do not belong to me, I have never been known by them, and some of them belong to family members of mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BROKER SOLUTIONS, INC. (GA)

I RECEIVED A CLAIM FOR PAYMENT FOREBARANCE UNTIL XXXX AND I REQUESTED TO REQUESTED TO DO A MODIFICATION TO PREVENT MY ACCOUNT FROM GOING 30 PLUS DAYS DELINQUENT ON MY CREDIT AS I'M IN THE PROCESS OF GETTING A GOVERNMENT JOB WHICH I CAN NOT BE DELINQUENT ON MY BILLS. I WAS PROACTIVE AND MADE SURE TO GET THE DOCUMENTS BACK IN TIME AND NEW AMERICAN REPORTED MY ACCOUNT FOR 120 DAYS PAST DUE AFTER I SUBMITTED THE LOAN MODIFICATION DOCUMENTS. THEY DID NOT CALL OR SEND ME ANY ADDITIONAL NOTIFICATION THAT IT WAS GOING TO BE REPORT OR IT WAS MISSING A SIGNATURE. I WOULD LIKE THE PAST DUE DELINQUENCY REMOVED AND UPDATED AND THIS IS THE SAME THING THAT HAPPENED MY PARTIAL CLAIM BACK IN XXXX. XXXX
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Initially I froze my credit to avoid the possibility of loans or lines of credit being opened up in my name without my knowledge with all credit companies. Of all XXXX agencies I have only had a problem with experian. 

I have lived at multiple addresses but have my mail and credit sent to my parents house. In order to get rid of a freeze they request certain information that includes my current address, my current address is different than my parents but it is apparent that this is incorrect and so is my parents since I tried both ways. I am now at a point where they want me to send my license, SS card, and another bill with my name on it. Which I dont understand how sending all of my identifying information through a service that is not secure would help them identify who I am. I need to be able to drop the freeze and understand how they identify who I am so that I can provide them the correct information. I tired to do this over the phone but the person on the phone was not allowed to preface the questions. Please help me.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

The account XXXX credit card listed as a charge off in collection status has not changed in 60 days. I have wrote and called equifax and all they do is write paid in the comments. The payment status of the account should say paid was charge off. 
The company ' has sent the correct information to the equifax and still they have not updated the payment status to reflect it as. A paid was charge off status. 
I am in the process of mortgage and have explained this to equifax with no luck Also the company capital accounts for pet vet has asked equifax to delete the account pet vet from its records off my file and they have not done this.
Consumer complaint received 2023-11-13
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX # XXXX AND XXXX # XXXX THEY HAVE VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-11-14
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 XXXX XXXX # XXXX AND XXXX # XXXX THEY HAVE VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-06-03
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. (MI)

Transunion, XXXX, & XXXX are reporting a late payment on my consumer report from XXXXXXXX XXXX XXXX but did not provide any evidence I was indeed late. FCRA states information must be validated before it is able to be reported. Neither consumer agency provided necessary documentation to confirm I was late. This is my final attempt to resolve the matter or I will sue each consumer agency. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-11-13
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX