davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
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. (IN)

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, 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 2022-11-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: ALLY FINANCIAL INC. (NY)

On XXXX, Ally mailed a letter to my home indicating that my mortgage assistance application was incomplete. Ally requested additional documents no later than XXXX. On XXXX XXXX, I faxed Ally the requested documents : 30 days earnings, hardship letter, homeowners insurance declaration page and real estate tax bill. On XXXX, Ally mailed a letter to my home informing me that the deadline to submit the missing documents has passed and unable to review my application for mortgage assistance. 
On XXXX, I called Ally and spoke with one of their Reps, XXXX XXXX, who confirmed that Ally received a fax with all the requested documents on XXXX and XXXX XXXX XXXX stated that she will advise the Loss Mitigation Department to review my completed application for mortgage assistance. 
On XXXX, I contacted Ally and spoke with a Rep inquiring about the status of my application for mortgage assistance. I was informed by the Rep that I would need to reapply. I immediately requested to speak with a supervisor. The Rep verbalized that a supervisor was not available to speak with me regarding my concerns and to expect a call from a supervisor sometime during the day. I waited throughout the day on XXXX and I never received a call from Ally. 

Please review the attached letters, faxed documents on XXXX including a print of the faxed log reflecting that all documents were received by Ally on XXXX. 

Ally is deceiving financially distressed homeowners, in particular, XXXX by falsely promising to preclude foreclosure and providing them with mortgage assistance. I am a victim of their deceit. They are in violation of the Mortgage Assistance Relief Services Rule. I will be filing additional complaints with other agencies.
Consumer complaint received 2022-11-13
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 Account Name : XXXX XXXX XXXX BANK Account Name : XXXX CREDIT  Account Name : XXXX  XXXX AUTO FINANCE 15 U.S.C 1681 Section 602 A states I have a 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 items 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 reason to believe that the information is inaccurate.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OR)

In accordance with the Fair Credit Reporting Agency LexisNexis is reporting my name wrong XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX and XXXX XXXX XXXX XXXX XXXX XXXX or XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX and 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 instruction
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX BANK Account Name : XXXX CREDIT Account Name : XXXX XXXXXXXX AUTO FINANCE 15 U.S.C 1681 Section 602 A states I have a 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 items 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 reason to believe that the information is inaccurate.
Consumer complaint received 2022-11-27
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. (TX)

My wife and I took out a line of credit to fill two rooms in our new home with furniture that we found at the XXXX XXXX store in the XXXX Texas in XXXX of XXXX. Our purchase consisted of 2 night stands, a bed frame, a low boy dresser and a couch. The promised delivery time was a few weeks after the store visit. It never came. After many conversations with the salesman and others at the store, the couch and two bed stands were delivered mid XXXX. We were originally told that they would deliver only when all items were in the warehouse. Thankfully, they honored the request to deliver the couch early since the rest of the furniture was delivered in XXXX of XXXX. This took many calls a week and at times, visits to the store when nobody was reachable by phone. They were always pleasant and did what they could. We started to get the credit cards bills for a contract that hadnt been fulfilled and as much prodding as it took to get just the couch, we didnt know when the rest would show. I should mention that the dresser did come with broken drawer slides and that was promptly and satisfactorily repaired. When the complete order was delivered, we made payments as agreed. The XXXXXXXX XXXX XXXX XXXXXXXX gave a two month non payment report to the major credit companies. It was disputed and denied. I called and spoke with a customer care representative and a manager at the XXXX number for the credit company. Both said there was nothing that could be done. I was told that there was a form available on the website, but after looking at all the menus, there was not a link to it that I could find. This is the only XXXX mark on our credit reports and we believe that it is without merit and unjust that we disputed it and can not get anything other than a canned script about understanding and sympathy for the position we have found ourselves, but there is nothing that can be done. 

I request that the notification of nonpayment to all of the credit reporting agencies be rescinded. The entire balance has been paid in full early. The payments were made on time when the contract we entered in was fulfilled as agreed.
Consumer complaint received 2017-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

FCO claims I owe a debt from an apartment community I had reached an agreement with to move with no charges. Without my knowledge the apartment company filed eviction after I had moved per our agreement. I received calls 3 years ago from a XXXX MD number but never a voice mail. I received no written correspondence either. In XX/XX/XXXX I was turned down for an apartment and learned about FCO on my credit report. I sent a certified return receipt letter on XX/XX/XXXX requesting they validate the debt and I was disputing the debt. From XX/XX/XXXX through XX/XX/XXXX I received twice daily phone calls from FCO. I was not able to answer and they did not leave a voicemail. After receiving no debt validation I sent a follow up letter in XX/XX/XXXX. Once again I began to receive phone calls from FCO immediately after they received my letter. I did not answer the phone as I had sent letters requesting debt validation. I received a word document with charges listed all in XX/XX/XXXX. I finally called them and when I questioned the validity they then sent me the same document but had illegally placed a company logo on the top. This is not the company I rented the apartment. I was told that XXXX the Compliance Officer did not speak to people on the phone also the one time I called. I was asked if I had an attorney and I should get one if I did n't. FCO continually refuses to verify this debt and responded only with this word document. I also forwarded via email to XXXX her communications with another person who she removed the account and cleared the credit report since she could not verify the debt. FCO has recently been sued by the XXXX for these exact illegal practices. XXXX has also been XXXX recently which goes to character. This company uses illegal practices including cutting and pasting a company logo ( the new owner of the apartment complex ) on a word document and mailing it to me. This is mail fraud!! Creating a document, presenting it as genuine?? I just recently sent yet another letter to FCO requesting again that they verify the debt. I do not owe this debt. Please help. I will agree to allow CFPB to publish this so that it may help others about dealings with FCO.
Consumer complaint received 2024-03-26
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. (IL)

I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matte
Consumer complaint received 2023-02-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was calling to report my card as lost and was told that they could not give me a replacement because my account was closed. They said my account was closed because I have an outstanding balance of {$500.00} from a check that was cashed 2 years ago which is impossible because I was XXXX XXXX XXXX at the time and I have never had a job. I used my account to receive money through XXXX and send money through XXXX. I seriously need help.
Consumer complaint received 2022-11-13
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: EQUIFAX, INC. (FL)

In accordance with Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights.

15 USC 1681 602 A states I have the right to privacy.

15 USC 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-13
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. (FL)

In accordance with Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX has violated my rights.

15 USC 1681 602 A states I have the right to privacy.

15 USC 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-26
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. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (TX)

PNC advertised a XXXX  % interest rate savings account, which can only be opened online. I opened a savings account expecting to get the XXXX  % interest rate. The online information does not state the interest rate. After XXXX month, I saw that the interest applied was XXXX %. I called PNC and they said that I do not qualify for the XXXX  % rate. But there was no transparency as to how to qualify or whether I qualified. XXXX reason PNC stated for not qualifying is that I live in XXXX. But when I enter my zip code in the PNC website, the same offer appears.
Consumer complaint received 2024-03-26
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. (IN)

Per the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Type : Installment Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Account Type : Installment Date Opened : XX/XX/XXXX 3. Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Date Opened : XX/XX/XXXX 4. Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Type : Installment Date Opened : XX/XX/XXXX 5. Account Name : XXXX XXXX XXXXXXXX Account Type : Unsecured Date Opened : XX/XX/XXXX 6. Account Name : XXXX XXXX Account Type : Line of Credit Date Opened : XX/XX/XXXX 15 U.S.C

1681 Section 602 ( A ) States I have a right to privacy. 15 U.S.C 1681 Section 604 ( A ) Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( c ) Section 605 states : no consumer reporting agency may make any consume report containing any of the following items of information ; any other adverse item of information, other than records of convictions fo crimes which antedates the report by more than several years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to
a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (CA)

wellsfargo has mismanaged my account AND CLAIM they are standing by the dission to deny claim for debit card fruad when my card was cloned and so was my pin number is wellsfargo doesnt give back my funds i will be forced to file a lawsute and go to the media and keep filling complants with the federal government and there actions coused me to lose my XXXX cell phone service my XXXX XXXX hit my account on the day i got my SSI on XX/XX/2023 and made my account negative i transphered funds from my savings to my checking to cover that charge and instead wellsfargo used those funds to pay other charges that had all ready came off my debit card and some of the fruad happened while i was sitting with the bank manager and that fruad happened over 250 miles away in southern california so while i was in berekley so how can the bank stand by thier decision this basnk has all ready been in troble with this agency for this same contduct so i stand by what i say if i dont get made whole i will go to the media and file a lawsute as wellsfargo has coaused me great money lose and hardship and they have 30 days and i will get a lawyer after that. and we will let a judge decised
Consumer complaint received 2022-11-13
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. (MO)

XXXX 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 XXXX XXXX. 

XXXX XXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX I : # XXXX has violated my rights. 
XXXX XXXX XXXX I : # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX : # XXXX has violated my rights. 
XXXX XXXX  bankruptcy 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 2023-02-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (FL)

This student loan was included in a Bankruptcy, and was over seen by a Law Firm. The matter was resolved and the casework can be found in the Federal Bankruptcy Court of Northwest Florida. 
The last reply was it was in discharge for the Permanent and Total XXXX discharge. 
But now must resume repayment. 
Again it was Fully Discharged in a Federal Bankruptcy Court.

As this is not the first, second, or third time the paperwork has been changed in status for the Total and Permanent XXXX discharge. The lender wants the loan repayment before any discharge. 
I have been sending paperwork for a Discharge since XXXX with status always changing or restating. 
I have been repaying with interest or speaking with lenders since XXXX. 

This is a Bankruptcy Discharged Loan. Dragging out a XXXX XXXX XXXX small XXXX XXXX XXXX that was to be discharged also with all the rest of the XXXX XXXX loan 's is beyond belief.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX is my loan servicer. I'm in the middle of a PSLF application and a consolidation. I have had my loans in forbearance and deferment. One day ago, I noticed my credit score dropped XXXX points because XXXX mistakenly did not apply my forbearance and deferment. I'm not quite sure what happened. When I try to call them, I am on the phone hours at a time and I'm always transferred to a supervisor or account resolution specialist that does not exist. I have been on the phone waiting for someone for two- and three-hour intervals listening to their awful music. I can't believe that this is how a company operates. It is unbelievable that the person I need to resolve this situation is hours away. I want to speak to someone to solve my problem. These companies buy and sell my debt like it's some kind of asset for them. They can destroy your credit and create a situation where you can lose your job if you have security clearance. It is one of the worst customer service situations I have ever had to deal with. I want to speak with a customer service person who can correct my credit report without having to wait four hours on hold. No one is that busy, but I do believe they very inept and in charge of more than they can handle.