davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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. 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, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX  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 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 2017-02-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Recovery Corporation (CA)

I continuously get calls from a XXXX from CR Corp calling that I owe them money. The calls come at XXXX every morning. I do n't know what this is about. I do n't want to call them back because after looking up this company, they appear to be a collection agency. I do n't owe any money and I do n't know why this company continuosly calls me.
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

XXXX - XXXX {$0.00} Balance updated XX/XX/2020 Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/2020 Account type Revolving Usage : 0 % Balance on XX/XX/2020 Credit Limit {$0.00} {$25000.00} Payment Info Status Pays account as agreed Status date XX/XX/2020 Past due amount - Highest balance $ 67 Monthly payment - XXXX {$0.00} Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2020 Account type Revolving account Balance on XX/XX/2020 Credit Limit {$0.00} {$8000.00} Payment Info Status Paid or paying as agreed Status date XX/XX/2020 Past due amount {$0.00} Highest balance {$7300.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 - - - - - - - - - - - On Time - Data Unavailable
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Timely payments have always been my priority on this account, preventing any occurrences of overdue payments. I am uncertain as to why there are reports of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, any errors should be rectifiedXXXX
Consumer complaint received 2022-11-29
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)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XXXX Balance {$1800.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$25000.00} Status Open.
Consumer complaint received 2022-11-29
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. (FL)

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 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 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 2022-11-29
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: Experian Information Solutions Inc. (TX)

I sent in several dispute letters that these accounts are not validated and theres no proof of my signed signature on the documents and no valid proof these accounts belong to me I sent in several dispute letters of removal these accounts werent investigated properly
Consumer complaint received 2021-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I have worked in public service since XXXX and have been paying on my student loans for the same length of time. In XXXX I contacted Great Lakes ( my student loan servicer at the time ) and let them know I was interested in being on a payment plan that would allow me to qualify for the Public Service Loan Forgiveness ( PSLF ) program. They put me on a plan and I continued paying monthly for years. While researching sometime in XXXX, I became confused at what payment plans qualify for PSLF because my current plan didn't appear to be listed on the websites I was reading. I contacted Great Lakes to inquire about this and they changed my payment plan at that time. Now that my student loans have been transferred to XXXX XXXX, they inform me that for the three years of payments from roughly XXXX - XXXX, the payments do not count towards PSLF because I was on the wrong payment plan.
Consumer complaint received 2020-12-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have made multiple attempts to update my report for to reflect that I was impacted by the Pandemic and Covid-19. This has made it extremely difficult to meet obligations for the account with XXXX XXXX which is closed. I did try to dispute and fix with XXXX, XXXX, and EXPERIAN refuses to add the affected by natural disaster or Pandemic to this reporting.
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a complaint against TransUnion regarding their failure to appropriately respond to my dispute regarding inaccuracies on my credit report. 

On XX/XX/2024, I mailed a dispute letter to TransUnion via USPS certified mail ( tracking number : XXXX ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. I ensured to include a copy of my photo ID, social security card, and a recent bill with my current address to assist TransUnion in verifying my identity and address. 

I received a response from TransUnion dated XX/XX/2024, stating that they had received my request, but it didn't appear that I or a properly authorized third party had sent it to them. On XX/XX/2024, I contacted TransUnion directly using the number provided in the letter ( XXXX ) to confirm my identity and the information I wished to dispute, as suggested. However, despite my attempts to authenticate myself, the agents I spoke with were unable to provide specific reasons for their doubts about my documents. 

The first agent, XXXX, mentioned that TransUnion might send such letters if they have any doubt with documents but couldn't specify what was wrong with mine. Subsequently, I spoke with a supervisor named XXXX, who indicated that TransUnion had reason to believe the documents were coming from a credit repair company. However, when I asked for specifics, XXXX stated that TransUnion could identify this internally and refused to process my dispute further. This response is not only frustrating but also a violation of my rights under the FCRA. 

According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is evident that TransUnion has failed to conduct a reasonable investigation upon receipt of my dispute, as required by law. 

Enclosed with this letter, please find a copy of my dispute letter sent to TransUnion, USPS certified mail proof of delivery, XXXX response, and proof of my phone call to TransUnion for your reference.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC (AL)

Subject : Request for Immediate Update of Current Balance to Credit Bureaus Dear Revvi Credit Card Company, I hope this letter finds you well. I am writing to request your prompt assistance in updating the current balance on my Revvi credit card account to all three major credit bureaus : XXXX, XXXX, and XXXX. This request is of utmost importance to me as I am currently in the process of securing a loan, and having the most accurate and up-to-date credit information is crucial. 

I recently made a payment towards my Revvi credit card account, and I kindly ask that you take immediate action to report this payment to the aforementioned credit bureaus. It is my understanding that the credit bureaus update their records periodically, but I would greatly appreciate it if you could expedite this process given the time-sensitive nature of my loan application. 

Please find below the details pertaining to my Revvi credit card account : Account Holder Name : XXXX XXXX Account Number : XXXX Current Balance : XXXXXXXX  Date of Payment : XX/XX/XXXX  I understand that credit reporting is a standard procedure, and I am aware of the importance of accurate credit information. By updating the current balance promptly, you will not only assist me in securing my loan but also ensure the overall accuracy and reliability of my credit profile. 

If there are any additional forms or documentation required to facilitate this process, please do not hesitate to inform me. I am more than willing to provide any necessary information to expedite the update. 

I sincerely appreciate your attention to this matter and your commitment to customer satisfaction. I kindly request that you confirm in writing once the current balance has been reported to XXXX, XXXX, and XXXX. Your swift response and cooperation in this regard will be greatly appreciated. 

Thank you for your prompt attention to this matter. I look forward to a positive resolution and continued excellent service from Revvi Credit Card Company. 

Yours faithfully,
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

In XXXX of XXXX I had major fraud committed on my checking and savings account with Wells Fargo. Due to the amount of money taken ( over XXXX ) it was referred to the XXXX XXXX fraud department. Here is the issue, Wells Fargo will not give you the number to this dept., they send them a message and they attempt to call you back in 3-5 days. If you miss it, then you have to start the whole process again. I never once was able to speak with someone from the XXXX XXXX fraud department. All I got was a letter saying they found I authorized the transactionsover XXXX overnight to an Apple Store in NY. I had banked with them since XXXX. I feel that they deliberately made it impossible to contact the department I needed to resolve this issue. I had no history of any type of expenditure that large, ever, yet in a few days I had a letter saying they investigated and the charges were authorized. The accounts were all closed and I have no access to the old accounts now to provide account numbers as Wells Fargo removed them
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained punctual payments on this account, ensuring they are never overdue. The reasons for the reported late payment remarks on my accounts are unclear to me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with CCBXXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to XXXX XXXX. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Consumer complaint received 2024-03-28
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. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2022-11-25
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. (MS)

This company has not reported my on time payments. Also they are reporting this as a personal loan which it is not. Its a vehicle loan. They have the title to my truck for this loan. Its a vehicle loan.
Consumer complaint received 2022-11-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I have been sending letters and documents to your company about the issue I'm facing right now regarding my credit, My information has gotten to the hands of the wrong person and they used it to open my account, please investigate and remove the accounts that were the result of the identity theft incident.
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXXXXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023. XXXX XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Consumer complaint received 2022-12-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (AL)

My son and I went to a car dealership in XXXX XXXX  and wanted to purchase a vehicle. They claimed that Wells Fargo financed it, even though it was listed as in house financing, and our loan was denied several times thru Wells Fargo. I was told by the auto dealership that my loan was approved and pmts were to be paid to Wells Fargo. Wells Fargo accepted payments in the amount totaling XXXX and then repossessed when the car was almost paid off and returned it to the dealership. Then the dealership sells the car again and so on and so on. When I requested a contract, several times, to Wells Fargo they ignored my request and then made derogatory reports to credit bureaus. I was told by several others that, after the fact, both Wells Fargo and the jeep dealership in XXXX scam people and write fraudulent contacts, collect on loans that dont exist, and then make fraudulent reports to credit bureaus.
Consumer complaint received 2017-03-31
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lendmark Financial Services (TN)

I have a loan with Lendmark in XXXX TN. I signed up for an insurance product ( unemployment insurance. ) it was explained to me that if I lose my job my payment will be covered for 3 months. I called and was denied the service after rightfully paying for it for 7 months. I was told to come in and refinance my account and the TILA boxes nor the new contract was properly explained. 

I felt cornered to sign and accept the terms so that the creditor does not tarnish my credit.
Consumer complaint received 2024-03-28
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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.