davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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. (SC)

On XX/XX/2023 I received a copy of my credit report I was shocked to see an account listed by XXXX Acct # XXXX with a balance of over XXXX XXXX dollars. First of all I never consented to my information being used to open this account nor have I ever received any goods or services from this creditor. This is fraud and I want this item investigated immediately. The amounts owed reflect different balances with the credit bureaus which again is a violation of the FCRA and the dates of activity is inaccurate as well.
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc. (IL)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2024-03-02
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$5900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have a relative who is an XXXX at the XXXX XXXX XXXX in XXXX XXXX PA and I have been making periodic deposits into an XXXX account system called Jail ATM. I make those payments on line using my Bank of America XXXX XXXX. On or about XX/XX/XXXX, I received my Bank of America statement. I made a total of four deposits to Jail ATM ranging from {$15.00} to {$25.00}. Added to each payment is a processing fee of {$3.00}. 
I have made similar payments in the past through a different system called XXXX XXXX with the same card and had no issues. However, the recent bill classified each deposit as a " Bank Cash Advance '' and charged a transaction fee of {$10.00} for each plus a minimum interest charge of  {$1.00}. In the end, my total fee for providing the inmate with a {$25.00} deposit was {$14.00}. This is outrageous and predatory. It preys on families who are more likely to be struggling financially, yet need to provide for their loved ones with a small amount of assistance so they can make phone calls, buy food or simply purchase paper and stamps to write home. It is unbelievable to me that this is allowed to happen. 
On XX/XX/XXXX, I called Bank of America and spoke with both a representative and a supervisor. I pointed out my past experience when this was not considered a cash advance and questioned how this was any different than the contribution I made for hurricane relief on the same credit card statement. The response seemed to be that they treat this the same as my withdrawal of cash using my credit card at an ATM. The supervisor said he could waive some of the fees but not all. On XX/XX/XXXX,  I called the XXXX XXXX XXXX to determine my options for depositing funds. They are limited to credit or debit cards or depositing cash directly into a kiosk at the prison - two counties and two mountain ranges away. On XX/XX/XXXX, I also called Jail ATM ( XXXX ) and they stated their terms and conditions do state that fees may be charged but those fees are completely separate from their {$3.00} processing fee. They responded that the difference from my past experience is that Jail ATM makes the money available to the inmate within 24 hours. They do not wait for it to clear which can take days.

Attached are two Bank of America statements - one with transaction fees and one without. Please excuse my scribbled notes on the attachments.
Consumer complaint received 2024-03-02
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: Experian Information Solutions Inc. (NC)

By the provisions of the Fair Credit Reporting Act, I am submitting this request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-07
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX 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 an account without my written instructions.
Consumer complaint received 2017-05-08
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. (PA)

Call on  XXXX   XXXX ,    2017  and told Transunion about inquiries on my report that are not mine. They told me that there was nothing that they could do and that I ca n't dispute them
Consumer complaint received 2023-07-03
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. (AZ)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 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.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Bankruptcy Case Number : XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX BXXXX XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX - XXXX XXXX XXXX
Consumer complaint received 2024-03-02
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. (NC)

i recently reviewed my credit report and i noticed there were in inquires and a account XXXX XXXX XXXX which i did not apply for or give authorization to so i called the CRA and bureau and asked to get them removed because i did not apply for this account and it does not belong to me and they both told me they can not remove it even understanding the circumstances which violates my consumer rights under XXXX XXXX XXXX ( c XXXX Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) information regarding inquiries ; except as provided in section XXXX XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and i want these items removed ASAP because it had a negative impact on my report the inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2023-03-02
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. (NC)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX Balance XXXX : {$82.00} XXXX XXXX XXXX  I XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4800.00} XXXX XXXX  XXXX Balance : {$70.00} XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX  XXXX Balance Owed : {$82.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (NC)

I am involved with the class action lawsuit against Wells Fargo regarding being wrongfully charged a higher rate or additional fees on an auto loan. 

I had an auto loan with Wells Fargo Bank between the years XXXX and XXXX and I think I may have been impacted.
Consumer complaint received 2017-05-09
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: Experian Information Solutions Inc. (AR)

I am filing a complaint with  XXXX ,  XXXX , and Experian. After multiple attempts through mail, online disputes, and telephone calls I am unable to get unauthorized inquiries off of my credit report. I am sending out a certified letter  XXXX  more time. If this does not work I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone 's credit is for his firm offering credit, insurance, employment, or court order. With the different glitches that has been happening with the credit companies I feel that my inquire should be removed from my entire credit report.
Consumer complaint received 2018-10-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

I have a student loan that I took out in XX/XX/XXXX. I've been making payments on this loan for almost 10 years. The original loan balance was about {$7600.00}. My balance is now about {$5700.00}. I looked at my loan payment history at Navient and found out that in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and some of XX/XX/XXXX, my entire payment was applied to interest only. I talked to Navient today, and they told me that in XX/XX/XXXX, I signed a graduated repayment plan agreeing that my entire payment would go to interest only. I can't believe that it is legal to keep a person in debt this way. I want an adjustment on my outstanding balance with Navient to reflect that previous payments should have been divided between interest and principal.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA)

Responding to a promotion of {$200.00} bonus, I opened up a checking account at Peoples United Bank XXXX branch XX/XX/2019. By XXXX, I have met the requirement to receive the bonus. Not seeing the bonus posted to my account, I have contacted the bank multiple times. Back in XXXX, I spoke with XXXX initially, who said that he agreed that I had met the requirement, and needed to work with the back office to get this processed. Since then, I have followed up multiple times, all with the promise to call me back, but never happened across different bankers in the XXXX XXXX XXXX branch. Finally, Spoke to XXXX today who indicated that their marketing team refuses to grant the {$200.00}.
Consumer complaint received 2020-02-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

We have requested a payoff for XXXX and XXXX XXXX via email on XX/XX/20 and XX/XX/20. We have received no response as of yet. When trying to contact a live specialist to resolve this matter ( multiple times and days since the XX/XX/XXXX ), it goes straight to a message stating that someone will call back within the next business day. No one has called back to address this matter. We are not able to order one through the automated system. We are closing on this file and with no way to get a hold of someone or no response we are going to have to delay. We need a payoff ASAP but there is no recourse for a resolution.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fig Tech Inc. (FL)

Hello I reviewed my Consumer Reports and noticed that I had XXXX late payments on a FIG LOANS TEXAS LLC that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : FIG LOANS TEXAS LLC ACCOUNT # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Also, attached are the THE HEROES ACT PROTECTS CONSUMERS AND THEIR CREDIT SCORES.
Consumer complaint received 2023-07-03
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)

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 XXXX XXXXSC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.