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. (IL)

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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 2024-03-08
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: Experian Information Solutions Inc. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-06-05
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. (OR)

No amounts where settled or fixed by XXXX XXXX rather than the scammer falsely claiming to be me. This happened last year. I opened up a bank account with my father and I received a letter about a XXXX XXXX account that was closed but I had never opened it. It was received to my fathers po box which I dont use. I worked and worked my way into finding out by opening credit cards as I worked and always paid on time. I came to the conclusion on who this might be and it is a family member that lives with us. I dont want to be blaming him but it isnt fair that they they thought I was doing illegally stuff when I was doing everything right the legal way. Now I want to do this right by speaking up. Its illegal to be tampering in peoples business this way. Also paid subscription of XXXX XXXX that were going thru a credit card that I never opened up? So there was two XXXX XXXX accounts? I grew and grew to the point where I saw the whole scam being committed by this person. I have not paid these cards ever since XXXX last time I used one was XXXX. I was authorized to my parents credit cards and the person using my name was slowly showing up in the system.
Consumer complaint received 2022-11-09
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. (PA)

I am being taken advantage of by XXXX, XXXX and Experian. These XXXX companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please review and investigate Transunion for violating my civil rights, the truth in lending act, and me not being treated fair and equitable. I have been trying to receive at XXXX and www.transunion.com my reports on online. I have been intentionally denied without sufficient explanation or remedy. My last interaction was with XXXX, a mediation specialist. and XXXX consumer operations on XX/XX/2023 and they both said that i am restricted and blocked for both credit access websites mentioned above. 

I was told after insisting that there was suspicious activity and i am not allowed proper access to my credit accounts on these sites. They said that this matter is not disputable. I was told a supervisor would contact me at 72 hours. And it's been 30 days+. They have not verified or validate nor provide given sufficient reasoning and I don't feel it is acceptable to over-site agencies and definitely myself. I have been prevented from disputing any inaccurate information in a way that is convenient, timely. Not to mention Transunion blocking me violates my right to get online access every 7 days since COVID. I did ask that they validate or provide proof of alleged original application/suspicious activity bearing my signature and they have not been able to provide such proof. This is a violation of the Fair Credit Reporting Act and the disputed block should not therefore appear on my credit report if it cant be supported by evidence or proof. As a consequence, I have been denied for credit without recourse. 

I have suffered emotional, financial stress. I have also suffer loss of opportunities as result of this. More recently, I was denied for 2 car loans and can not get reconsideration because I don't have any access to these websites. I have suffered higher interest, higher premiums
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MA)

XXXX XXXX ( XXXX  ) offers on its website, open Citibank MasterCard Acct, pay for this flight with Citicard. If youre approved {$200.00} credit, plus XXXX points, free checked bag, no fee first year, etc. They claim they will provide a number to use for immediate use of this offer. I fell for it. I applied, I was approved, BUT Citicard wont tell me my number, so guess what, XXXX  only hold flight 24-48 hours, so its useless to use their offer, and now Im stuck with another credit card. Its a scam. I have contacted XXXX, Citibank, etc. with responses of oh we are sorry.,. Would like to send you screenshots. Thanks!
Consumer complaint received 2024-03-08
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)

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 XXXX Account NumberXXXX has violated my rights. Or a 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 2019-11-23
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: Professional Credit Management, Inc (AR)

I sent a certified procedural verification letter tracking # XXXX delivered and signed by XXXX XXXX XXXX XXXX  from USPS on XX/XX/19 and has been 30 days since they received the letter. I requested documentation of proof of the accounts referenced in the letter to be validated and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that XXXX is unacceptable for verification. However, I have not received any response at all from XXXX  and I have not received any information from anyone to verify these accounts. I have exhausted my pro-bono abilities and obviously can not resolve these matters without legal representation. I have disputed and requested actual verification several times and I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.
Consumer complaint received 2022-11-09
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. (NJ)

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. Experian is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory 3rd party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof as permissible purpose of reporting these fraudulent accounts. Every time I write to or call experian they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my Experian credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to Experian are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. Experian seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay Experian to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as XXXX  issued drivers license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by Experian and all unauthorized XXXX parties listed in the notarized affidavit and complaint.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

transunion has fail to properly investigate my dispute cleaning that they verify the public record XXXX I have paperwork from the court stating that they don't verify or validate any accounts so transunios is in violation of the privacy XXXX and also there vender LCI consumer they must send me proof directly from the court and stamp to proof they verify it if they can not do that the must delete the XXXX in question
Consumer complaint received 2023-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (AL)

AidVantage is horrible. Customer service is filled with rude, incompetent, and unprofessional representatives. These are student loan accounts that these folks are responsible for. I did a consolidation application a month ago via StudentAid.gov in which I added two loans, but only one was added to the consolidation {$7000.00}. Received a letter a week ago stating that consolidation was complete and that I had 10 days to add additional loans to the consolidation. I called AidVantage and was hung up on twice. I finally reached someone who added the {$2800.00} that was missed from the initial application then a week later, I received a letter stating that the application had been denied due to applicant canceling the application ( 07 ) which is not true -- a bold faced lie. I am on the phone now trying to reach a supervisor in which I was told by several customer service reps that it was very hard to reach a supervisor. Someone in this company has denied my previously approved consolidation application and is stating that I sent an email canceling which is not true. Horrible company.
Consumer complaint received 2022-11-09
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. (MI)

I am opting out of previous consents to share or use my personal data. Any further sharing or use of personal data will be in violation of my rights to my privacy. I request that my personal data be removed from the company data base immediately.
Consumer complaint received 2023-03-26
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: Waypoint Resource Group, LLC (NJ)

Several Collections are being reported inaccurately. They are being reported as open with past dues balances. They are also reporting a unverifiable public records And a address
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-03-08
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. (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 15 USC 1681. 

Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a 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 2022-09-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (NM)

Today on Monday XX/XX/2022 I purchased XXXX at a XXXX ATM machine and gave my XXXXXXXX XXXX  address connected to my binance.us account. 

The transaction appears as a Failed XXXX XXXX in my binance.us account. 

I have reached out to XXXX who told me my transaction was completed successfully on their end. 

This is the second time Binance.us has not processed my deposit, leaving me unable to access my funds. 

Binance.us account information : Name : XXXX XXXX Email : XXXX Binance.us ID : XXXX
Consumer complaint received 2023-12-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (MD)

My husband XXXX XXXX XXXX died XXXX XXXX. I sold his XXXX XXXX XXXX truck recently. The truck was paid off and apparently there was lien on the vehicle that was not due to my husband 's ownership. I have been in touch with XXXX, PNC Bank, and XXXX. Everyone has been very solicitous of my dilema, but there is no solution. The last person I spoke with said that a lien release letter had been mailed from PNC bank on XX/XX/XXXX. I have not received the letter. The vehicle was sold about a month ago and the buyer has not been able to get a clear title.
Consumer complaint received 2023-04-15
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 — Investigation took more than 30 days
Company: Convergent Resources, 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 15 USC 1681. 
XXXX XXXX XXXXXXXX, 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 2023-06-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Its a financial mismanagement by Wells Fargo Bank. Several responses to my complaint last on XX/XX/XXXX with CFPB state the following and this not correct. 


THIS IS WHAT WAS STATED XXXX. XX/XX/XXXX XXXX PAID {$99000.00} XXXX. {$73000.00} WAS APPLIED TO PAYMENT OF PRINCIPAL, INTEREST AND ESCROW XXXX. Advance was {$1500.00}. 
XXXX. PRINCIPAL REDUCTION {$25000.00} PRINCIPAL BALANCE ON XX/XX/XXXX WAS {$110000.00} ( COPY PROVIDED BEFORE ) PRINCIPAL REDUCTION IN XX/XX/XXXX {$25000.00} {$110000.00} LESS {$25000.00} = {$86000.00} LESS LATE FEE AND FEE {$870.00} = {$85.00}, XXXX A. LOAN WAS TRANSFERRED TO XXXX ON XX/XX/XXXX PRINCIPAL BALANCE OF {$85000.00} WHICH ONLY REFLECTS PRINCIPAL REDUCTION NOT PRINCIPAL APPLIED FROM {$73000.00} XXXX PRINCIPAL HAS BEEN APPLIED FROM {$73000.00}. 
B. PROPERTY TAX BILL FROM XX/XX/XXXX TO XX/XX/XXXX IS {$9600.00} ATTACHED AND NOT {$13000.00}. 
XXXX CONCEALING EVIDENCE IS FEDERAL AND STATE CRIME FROM XXXX AS OF XX/XX/XXXX I HAVE BEEN INFORMED BY WELLS FARGO BANK HAS NO RECORD AND THEY KNOW THE TRUTH ITS CONCEALING EVIDENCE. 
XXXX CFPB MUST DO THE RIGHT THING TO REFER THIS TO DOJ FOR PROSECUTION OF CONCEALING EVIDENCE AND FINANCIAL MISMANAGEMENT. IF CFPB FAILS TO DO THIS I WILL COMPLAINT WITH DOJ, XXXX XXXX, IRS AND SO ON XX/XX/XXXX.