davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
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. (CA)

I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 %. For several months, I have been trying to dispute negative accounts from my credit report, several times. 

In accordance to Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when several inaccuracies are shown on my report? 

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Listed below are the negative accounts : XXXX XXXX XXXX {$580.00} XXXX XXXX XXXXXXXX {$740.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX  {$170.00} I attached the latest dispute letter I have filed a complaint against bureaus and creditors.
Consumer complaint received 2017-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (NJ)

Time : Early - Mid  XXXX  Problem : I Was Being Restricted From Withdrawing Funds Via ATM. Upon Request Why, The Bank Representative Said It Was Due To Change Of PIN. I Never Changed My PIN. Someone On The Inside Was Restricting Me From Withdrawing For Reasons Yet Unknown. This Was The  Second Time. The First Time They Claim It Was Due To The ATM Card. The Card Was Still Fairly S till New. I Found It Odd Due To The Fact That I Was Able To Make Purchases With It Before The Issue. So  I Closed My Ac counts.   Someone On The Inside Was Selling My Info. I Ca n't Prove It, But My Gut Is Strong On This Feeling. Forensic Science Can Reveal The Veracity Behind My Claims.   Fast Forward To  XXXX . The Same Institution Has Purchased The Brokerage Firm I Have An Account With.
Consumer complaint received 2023-10-03
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. (AZ)

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. These accounts have affected me in so many ways to gain credit cards, buying a house for my family and I find it very interesting that my personal information about my Child support is showing on my credit report inn way that is vary illegal not just being on there but it in a position that it's an instalment loan which is weird you can't borrow money for child support I didn't sign a contract for that amount of credit Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX Account name : XXXX  XXXX  # XXXX Account : name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX THESE Accounts are stopping me from buying a house for my boys I'm a single father who is trying to make a difference in my children 's life accounts like these 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 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 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 2023-04-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

Obtained an in-house mtg with First Citizens Bank XXXX XX/XX/2022. First payment was due XX/XX/2022. Made payments early and principle payments. Principle payments were not applied accurately and charged me interest on principle payment. One payment charged me 100 % interest which is illegal. Charged me a late charge even though multiple payments were shown. No one will listen to me and said they can not fix any mistakes from last year even though I have been trying to get this fixed since last year. I need help
Consumer complaint received 2023-10-03
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)

I am a victim of identity theft and I filed a police report and FTC report and sent them to the credit agencies. These documents are not being processed correctly and my disputes are not being submitted. I also am not getting copies of the verification process The Accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (SC)

On XX/XX/23 I noticed my account was in forbearance. I am part of a borrower defense but had elected not to go into forbearance because I am on track for PSLF. I emailed inquiring about why I was in forbearance. After no response and unable to get through a representative without waiting for 2 hours on wait, I emailed a second time on XX/XX/23. I stated I have not received a response from my 1st email and stated I do not want to be on any forbearance and should be on an IBR plan. I asked to have this corrected. On XX/XX/23 I still had no response. I sent a 3rd email stating I had not received any response and once again I did not approve to be on any type of forbearance and want any negative effects that will hinder my progress with PSLF to be rectified. On XX/XX/, I called and spoke with a representative on their PSLF line. She didn't know why I was on the BD forbearance and she put in to have it taken off. Also set me up to be on the SAVE program and my first payment was to be on XX/XX/XXXX. Finally, I get an email on XX/XX/23 saying thank you for contacting Mohela, Our records indicate that you have already called and spoken to one of our Student Loan Counselors regarding this inquiry on XX/XX/23. We will assume the inquiry has been handled. Then go on to state if not to CALL them! Its at least an 88 minute wait to try to get through to them. 
First they state someone will respond within 3 days of the email. That did not happen. The issue has still not be resolved and continues to affect my PSLF accumulation. You can't get an appropriate response via email and it's ridiculous to get through on the phone. All I want is to actually be able to pay my student loans to get my PSLF credit but I have been put in an unauthorized forbearance without any way of getting it off. This is beyond infuriating.
Consumer complaint received 2024-05-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (AL)

I have sent this company a cease and desist. This company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. This company has also been found to impose as a collection agency when it is listed that this company is not legally bonded and or insured to collect in the state of Alabama. Please have this company cease all collection activities, this is my last attempt to complain outside of court.
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I bought a property and had a lender. I set up AutoPay because I run a rental business and can not focus on paying all my mortgages each month. However, my mortgage got sold to another company. Then I had to setup an account to do autopay. Unfortunately, the company would not let me set up autopay when I was just a few days late on a payment. The whole reason I could not set it up and was late because of the delays in setting up the account. So this was already stressful, like why can I not setup Autopay just because I am slightly late on the payment? Absolute nonsense. So what happened is the next month was an extremely busy and stressful time for me in managing my 3 businesses. So what happened? My payment was missed because I could not setup the AutoPay because I had to wait until the next month ... the whole system seemed to set me up for failure in actually paying my mortgage on time... the lender also did a very poor job in reaching out to me to inform me of the missed payment. They never called and left voicemails. They did send letters via USPS at a time when they were heavily delayed and losing mail and I also had just moved. This company made no hesitation to report me to the credit bureaus at their earliest convenience after failing to email me or call me... just reaching out via snail mail which never reached me on time. I tried explaining this and pleading to remove this report and they refused. So someone who had an XXXX credit score got knocked down to XXXX ... this was devastating as I was unable to refinance on one of my properties. This company has no moral fiber as far as I am concerned and the worst thing is I did not even choose the guys... it was simply sold by my lender without my say so. I know this is how the industry works but when things like this happen it really has major repercussions for the consumer, who is the most vulnerable. Anything you can do to help would be most greatly appreciated.
Consumer complaint received 2023-04-28
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. (GA)

I have been working on my Experian credit profile and I noticed there are incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX, GA XXXX The INCORRECT Names that should be deleted are XXXX XXXX XXXX and there is XXXX XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is absolute hogwash. I called capital one on XX/XX/XXXX after I made a payment for this account in full, to find out that they could not only cancel my payment but they could not cancel my payment because they had closed my account. Please see attached documents.
Consumer complaint received 2023-10-03
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. (SC)

account.

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 1881. 

Accounts XXXX XXXX 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 XXXXXXXX violated my rights 15 U.S.C 1681 section 802 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. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, regarding account number XXXX XXXX in the amount {$78.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2023-10-03
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent account appearing on my credit report is : XXXX I sent a request to Transunion to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Transunion did not take any action regarding the incorrect and fraudulent information on my credit report. Transunion did not remove the fraudulent account. Meanwhile, the two other credit bureaus removed the fraudulent info .This is a clear violation of the section 605B of the Fair Credit Reporting Act and Transunion should be held accountable.

Their inaction is making my life unfairly difficult.
Consumer complaint received 2023-10-03
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent account appearing on my credit report is : XXXX I sent a request to Transunion to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Transunion did not take any action regarding the incorrect and fraudulent information on my credit report. Transunion did not remove the fraudulent account. Meanwhile, the two other credit bureaus removed the fraudulent info .This is a clear violation of the section 605B of the Fair Credit Reporting Act and Transunion should be held accountable. 
Their inaction is making my life unfairly difficult.
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The lease payments have been made in their entirety, and my credit report shows that payments were not made from XX/XX/XXXX through XX/XX/XXXX ( see attached ). This is not correct. If you look at the attached payments made with confirmation numbers from XXXX XXXX XXXX, it shows proof that payments have been made totaling {$6700.00} during that specific period. Further, the balance on my credit report states that I owe {$3900.00}. If you look at all the payments from XX/XX/XXXX, through XX/XX/XXXX ( end of lease ), the total amount paid is {$9000.00}. Clearly, this is an accounting error on XXXX 's side that needs to be rectified.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MI)

Hello, my Wells Fargo card & my phone was lost XXXX XXXX XXXX. My card was compromised and the amount of XXXX was taken out my account and I didnt authorize it. I bought the attention to Wells Fargo. They didnt file my dispute right. So my claim got denied. Which is wrong because I didnt authorize those charges.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 

Please remove the following items Asap : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (NV)

I was waiting on a new direct express card to come via ups and I never received card the carrier just left card on my door step and someone stole it and used all my ssi money I got for the month of XXXX I don't know who it could be I have a lot of family and friends that come over and some know my personal information I'm very upset that no one had to sign for this being I'm already a victim of fraud with this company this is my minor XXXX son 's income I'm a advocate for him because of this my rent is late I risk getting eviction notice I learned card was already used when I called in on XX/XX/2023 and spoke with agent informing me card was activated and used at ATM for the entire amount of XXXX so I filed complaint and submitted fraud packet via email on XX/XX/2023
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Johnson Mark LLC (ID)

The first communication from JOHNSON MARK LLC was in the form of a Complaint & Summons to sue us for a debt we are unaware. The only information provided was listed on the Complaint itself, and it was just a bank name and XXXX digits from a supposed account number they claim is ours. 

I have emailed JOHNSON MARK LLC requesting all information in regard to this debts validity, but I have yet to receive a response. At this point we have a hearing date in a month, and I still have no idea what this debt is regarding, or if it is even a valid debt under my name or my wifes name.