davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
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. (MS)

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. 

Account Name : 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 has violated my rights. Or list of inquiries 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 2023-05-23
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: 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. 

account name : XXXX XXXX XXXX # XXXX as closed account has 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 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 crime 's 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 2023-02-22
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. (TX)

N accordance with Fair Credit Reporting act XXXX  Account # XXXX, has 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 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

As of XX/XX/2023 Experian shows incorrect information regarding account XXXX XXXX XXXX. 

Experian shows the account was paid off on XX/XX/2023. However, Experian also is reporting a late pay for XX/XX/2023. This is not correct information. 

I requested an investigation and was never notified of the results or provided any documentation. In addition, Experian will not let me re-dispute this item. 

Experian 's error is hurting my credit.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Equifax is refusing to remove fraud related account from credit report after multiple attempts and documents sent to them beginning in XXXXXXXX XXXX XXXX just recently they just asked again for proof of identity which Im submitting the letter and also the information requested through this portal.
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 


Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-05-23
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. (NC)

A few months ago I notice that I was a victim of identity theft. I reached out directly to the creditors and reached out directly to the credit bureaus. Neither has been helpful in stressful situations. My identity was taken and I am suffering from the aftermath of it. Police reports have been provided to both credit bureaus and creditors to show that this matter is serious. 

The following accounts on my credit reports were due to someone taking my identity. An FTC complaint was filed and I am still unable to get any resolution : XXXX  XXXX {$660.00} charge off account XXXX  XXXX {$870.00} charge off account XXXX XXXX XXXX XXXX {$10000.00} charge off account XXXX XXXX XXXX XXXX {$3700.00} loan account XXXX {$0.00} charge off the account and sold to another XXXX XXXX {$0.00} charge off and transferred
Consumer complaint received 2024-04-13
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. (NM)

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.

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX ), Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name, XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C.1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

In XX/XX/2023, I attempted to create an account on Mohelas website in order to manage my federal student loans. I was getting errors saying the info I was providing was wrong. I tried to call their customer service and waited for hours to be transferred endlessly. After many conversations, the customer resolution department told me to send them an email with my info for it to be corrected within two weeks. I sent an email on XXXX. After 23 days, my account info is still wrong and I can not create an account. My loan payment is due soon and no one on the phone can help. I am on hold for hours and the call gets disconnected. Mohela is extremely irresponsible and poses security risks as they are clearly mixing up several peoples records. My social security number appears to them under a different name.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NE)

In XXXX we had a checking account at Wells Fargo and constantly had overdraft fees because they would put all of the withdrawals and debits through before the deposits and direct deposits so that we would have hundreds of dollars in overdraft fees. When my husband and boyfriend h complained, they told us that was policy. We eventually closed that account in XXXX because we constantly had issues with them charging us fees, and opened an account at another bank.
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

I am writing to express my extreme annoyance and frustration regarding the accounts on my credit report that I believe are inaccurate. I have already contacted your bureau regarding these accounts, and while they have acknowledged errors and removed them, your bureau has not provided any resolution. I demand that you conduct a thorough investigation into these accounts and remove them from my credit report as they are unverified and inaccurate. I want to reiterate that these accounts contain inaccuracies, and I have reason to believe that there is insufficient information to verify the debts. The other major credit bureaus have recognized this and taken the necessary steps to rectify the situation promptly. XXXX XXXX XXXX XXXX . I am perplexed as to why your bureau has not followed suit. Your bureau 's inaction is not only frustrating but also unacceptable. I urge you to comply with the same standards as your counterparts and rectify this matter immediately. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-01-22
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (IN)

I have been attempting to pay my mortgage since XX/XX/XXXX. My loan is with Loancare/XXXX XXXX XXXX After being unable to log into their website for over a week, I finally googled, and learned thru other avenues that there had been a cyber security attack with Loancare. I was never notified of this by the lender, I learned it via XXXX. I have been daily trying to log in to make the payment, and the website is still down. I have called Loancare, and there is only a recording that says " agents do not have access to your account right now ''. There is no option to make the payment. If I had been notified timely by the mortgage company, I could have mailed the payment in time. At this point. I will be unable to make my XXXX payment, as tomorrow is XX/XX/XXXX, and there is still no update on the cyber hack. I do not want to be reported negatively as being 30 days behind, as this is not something I could have prevented. I feel the company was negligent in not calling or emailing mortgagors. I'm also concerned that there is a class action lawsuit against them from XXXX of XXXX, and that they are not taking the necessary precautions to prevent this.
Consumer complaint received 2023-12-20
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. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C1681 section 602 A.States I have the right to privacy.

15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( 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. 1681 s-2 ( A ) ( 1 ) A person shall not fumish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-20
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MA)

I was told by citibank for my BestBuy card that interest is calculated on a deferred interest purchase at compounded daily making the deferred interest 80 % of my purchase price. They offered me a 2 month extension, sent no proof of this agreement, and for some reason sent me a form letter denying to adjust my credit report which I did not need or ask for.
Consumer complaint received 2024-04-13
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)

XXXX XXXX XXXX This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report which is a form of communication. This is a fraudulent account reporting on my credit The company has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX XXXX. That means I have no contractual agreement to pay them an alleged debt Under 15 US Code 1692f ( 1 ). Unfair Practices Please delete this account immediately
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (GA)

Westlake Portfolio Management is reporting this account XXXX as opened and delinquent when I refinanced my vehicle with XXXX XXXX XXXX XXXX and I have been making payments with XXXX. I called Westlake Portfolio Management to confirm that this account XXXX was closed and they confirmed. As of XX/XX/XXXX they are still reporting to the credit agencies as open and delinquent which is affecting my credit significantly. I wanted this account closed and removed from my reports.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (AZ)

On XX/XX/XXXX I was unable to log into their online payment system to pay my mortgage. I have attempted login daily since then with no success. Today being XX/XX/XXXX. When calling on XX/XX/XXXX I called to inquire and the automated system said " Our systems are down ''. 

When investigating I am now getting a message that there's been a cybersecurity breach and they are " hopefully '' back up by Friday. 

There has been no communication from them that I have received and am otherwise unable to pay them.
Consumer complaint received 2017-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On Saturday, XXXX XXXX, 2017, Chase Bank closed my college student checkings account with them. I had a XXXX XXXX XXXX dollars remaining in the account ( thus a positive balance ). When my card declined I called chase to inquire and they informed me that the my account was closed, the decision was final and I would be unable to utilize their services ever again. They deemed my account unsustainable and a liability. I then spoke to the bank teller I had worked with since I first opened my account and she tried to inquire more and was informed that the legal team for chase reviewed the decision and deemed it final. I called chase several more times and these times they refused to provide a reason as to why my account was closed. This action caused me to be unable to pay certain bills on time and incur fees. They closed my account for no reason, refused to provide explanation and the inability to access my money cost me more money. I ended up receiving a check with my remaining balance however a couple of weeks later.
Consumer complaint received 2023-11-28
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 reportingact XXXX account # XXXX XXXX XXXX has violated my rights 15 U.S.C1681section 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 2023-12-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX Fl XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.I also have attach my personal info to this complaint knowing its me typing this compliant.
Consumer complaint received 2023-11-28
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. (VA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc ()

I never opened an account with Affirm. Someone else opened an account with them in my name, using my SSN. Affirm refuses to consider my arguments and holds me liable for loans I never took. I do not have any log in or passwords on their web-site, so I can not even log in to their web-site.

The frauder used an address, phone number and email that are totally unknown to me.