davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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. (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 XXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX, Account number # XXXX, Account Name : XXXX XXXX Account name : # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number : # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : # 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 eleve mane information is inaccurate.
Consumer complaint received 2022-11-18
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. (AL)

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
Consumer complaint received 2022-09-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX account number 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
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Foreman Financial Inc. (CA)

In XX/XX/XXXX My wife and I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. The vehicle was financed with Foreman Financial Inc. ; shortly after we drove away with our car we experienced trouble with the transmission. We immediately contacted the dealership and Foreman Financial as we were committed to a hefty loan at a predatory interest rate ( yes we had challenged credit at the time of purchase. ) The owner of the dealership at first disputed the claim that the vehicle he sold us had a pre-existing issue and during that time my wife contacted Foreman Financial to  discuss options on what we could do in the event that we got a " Lemon '' the representative mentioned we could voluntarily repossess the vehicle in which we absolutely were against. However there were notes placed in there system that we agreed to this. Foreman financial has since reported this to the 3 major credit agencies that the vehicle has been repossessed in XXXX it is now XX/XX/XXXX and no correction has been made as I have contacted them several times in regards to this matter. never did we agree or sign documentation to repossess the vehicle and Never has Foreman Financial EVER taken possession of the vehicle voluntarily or involuntarily! They refuse to correct this issue and it in fact has affected my wife and I 's Credit rating which we have made huge strides in the right direction! Aside from that issue they partake in a ridiculous collection practice even if you are not late or delinquent on your payments. they call numerous times throughout the day and say absolutely nothing! they just hang up in about 1 min. I have confirmed this to be them as I have called these mystery numbers and they all lead to there automated system!
Consumer complaint received 2022-11-18
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 2023-08-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MI)

I initiated a transfer from Ally on XXXX to a new credit union. The transfer was flagged due to it being in a different geographic area ( I just moved. ) My Ally account was suspended then. I called on XXXX and the suspension was removed, but the transfer never arrived at my credit union per the transfer schedule on posted on Ally. On XXXX, an Ally representative told me that my funds would be at my credit union on XXXX. On XXXX, an Ally representative advised that my credit union had returned the transfer due to insufficient funds. ( Clearly, that is not a reason that a credit union would use to refuse an incoming transfer. ) I talked with my credit union, and they had no record of an ACH in the amount in question or the tracing number provided by Ally. The funds posted back into my Ally account on XXXX, but now my account is suspended again. I have called Ally several times and am always told that the matter will be addressed in 1 to 2 business days. I am now at one week without access to my funds.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2024 someone applied for a CHASE FREEDOM Visa Signature credit card in my name using my personal info. CHASE ran a credit report inquiry and called me to see if I initiated an application for which I said no. Thet said they would cancel the card application and advised me to report identity fraud. I called the credit bureau and placed a fraud alert and disputed the inquiry onmy report for XX/XX/2024 by JPMORGAN CHASE, reference # XXXX.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX and attorneys are prohibited from deceiving or misleading XXXX while trying to collect a debt. The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/XXXX. XXXX XXXX XXXX XXXX and attorneys are generally prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt. The federal law that prohibits this is called the Fair Debt Collection Practices Act ( FDCPA ). False Statements. XXXX XXXX XXXX XXXX and attorneys may not falsely claim or imply that : Consumer have committed a crime by not paying a debt. Consumer was contacted by XXXX XXXX Judicial Services, XXXX Michigan and was informed that Consumer was being criminally charged ( Case # : XXXX ) for Breach of Contract and Defrauding a Bank for a XXXX XXXX  XXXX, not only is this not the vehicle in question but the date and amount is also incorrect and CFRP states that if there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ) for a few reasons. Not only has the re-aging allowed a collection to remain on my credit reports in-perpetuity, but has seriously destroy my credit. Consumer was then informed that she will be arrested or imprisoned if not paid by XXXX XXXX from XXXX XXXX. Consumer also received a phone call from my bank XXXX XXXX stating XXXX XXXX XXXX XXXX and Attorneys have attempted to seize bank account but was denied. XXXX XXXX XXXX XXXX and Attorneys are also prohibited from : Misrepresenting the amount Consumer owe or the status of the debt, Threatening to take action that can not be legally taken or that is not intended to be taken, Using or sending a written communication that looks like or is falsely represented to be an official document from a court or government agency. Consumer has sent XXXX XXXX XXXX XXXX and Attorneys several cease and desist letters which they have not honored regarding this civil matter.
Consumer complaint received 2022-11-18
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA ; XXXX Date Updated : XX/XX/2019
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (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.

JPMCB 15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without instructions.
Consumer complaint received 2023-08-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (OH)

We have sent XXXX letters asking for verification of debt with Choice Recovery. They have failed to verify the debt, leaving the debts on XXXX of the credit bureaus, XXXX and XXXX XXXX. This debt was appropriately removed from XXXX. We are trying to get approved for a mortgage and this non-verifiable debt is hindering the process. We do not owe the debt reported, and would like to have this removed. 

Choice Recovery, Account number XXXX, XXXX {$890.00}
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Sent numerous letters request that the erroneous information be taken off of my credit profile and that a new credit score be obtain as it has increased tremendously but they have refused all of my demands. They still post accounts that have been paid off as delinquent and caused me financial harm by not showing my increased credit score which resulted in a job loss..
Consumer complaint received 2024-04-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

Since 2009 I have made on time automatic payments to Navient on a {$7400.00} XXXX XXXX. Since then I have seen over 13 payments apply solely to interest and when asked why years ago they said I was late with payments then that they just apply some payments on the back end. This week I was told its because I signed up for a 24month interest only payment plan. I didnt and the issue with that is the payments werent always consistent and there werent a full 24. When I asked to go over this the supervisor gave push back and treated me as if I were trash not trying to pay loan. Speaking with a rep they said Navient will sometimes do a settlement with certain amounts. I was told 60 % is the lowest if I can provide expenses. When I provided a monthly breaking showing we come out negative they said they would try for {$1800.00}. Management came back with {$2200.00}. I felt defeated. When I spoke to a supervisor she called me entitled and said I was just trying to not pay what I owed. She said they dont have to settle. When I told her that I have paid over {$15000.00} on this loan she said thats how loans work and clearly you dont know that. I asked to speak to her supervisor to which responded no, they do not speak to customers. I pushed and told me she would have her supervisor call me in a few days. I am sick of them taking my money and not applying it to the balance. I paid {$120.00} every month. I have explained that we have come into some hardships and she then took the offer off the table of {$2200.00} and said you will go into litigation. They sent me a litigation letter. They have been rude, condescending and extremely unhelpful. Constantly backtracking and providing incorrect information.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (OH)

My complaint is with Nordstrom card services. I have a Nordstrom Visa card. In the past, I've had late payments so I've been doing better about making on-time payments. Also, the payments I made were larger amounts than usual. The reason was, I had to take my car to get repaired and had planned on using said card. I made a payment of {$450.00} on XX/XX/XXXX. I was taking my car to the dealership the following Tuesday and wanted to ensure that there would be funds available on my card. I called Nordstrom on Mon XX/XX/XXXX at XXXX. Long story short, they told me that my payment was on hold for a week to 20 or so days. When I asked why, they said for suspicion of " Money Laundering '' because that was the second large payment I made in XXXX. I was very offended and asked to speak to a supervisor. The agent I was speaking with put me on hold for about 5 or 10 minutes. I never spoke with a supervisor but the female agent I spoke with came back and said the hold had been removed. I am a single mother, I work p/t and go to school p/t. I am trying really hard to stay on top of my payments. BUT, I feel like this money laundering comment is a form of profiling and it is WRONG. Do I have to worry about this every time I make a larger payment?? After this experience I want to pay them off and close this card.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Equifax is improperly reporting credit history to lenders when making a loan inquiry. This has happened with two lenders showing a blank, or zero credit history. I spent a collective 4 hours on the phone with them while they denied the problem, and refused to help or investigate. I have a decade of loan history with 7 account all paid properly and need this rectified asap so I can complete my purchase.
Consumer complaint received 2023-01-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

On XX/XX/2022 I called XXXXXXXX XXXX after receiving a delinquent notice in the mail which included {$240.00} in late fees. The customer service representative indicated the late fees incurred were from mortgage payments received in XXXX, XXXX and after reviewing my statement possibly XXXX and XXXX due to the date falling on a weekend or maybe their online system doesn't take into account Pacific Time Zone? I informed the representative that I have a FHA loan which allows me to pay my mortgage up through the XXXX without incurring late fees and when paying my mortgage online on the XXXX of each month the website states that the effective date is the date the mortgage is paid because it can take the bank up to XXXX business days before the payment is posted. I also pointed out that on XX/XX/XXXX, I paid my mortgage online utilizing the bank 's XXXX party vendor option which cost an add'l {$9.00} fee to make sure the payment was processed on time. The representative informed me that I had to submit a dispute in writing to XXXX. I submitted a complaint via email on XX/XX/XXXX, received a notice of receiving the complaint in mid XXXX and still there has been no resolution to date. I have not received anything in writing pertaining to the results of XXXX 's investigation.
Consumer complaint received 2023-03-08
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)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be deleted from my file right away. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-08
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (NJ)

I had trouble when my payments first started. Company took down wrong credit card number. I was emailed payment went through, next, an email saying it was not accepted without a reason why. By the time I found out, the delinquent would show up on my credit report, bringing in down in as much as XXXX or more points at a time. Called many times to fix the problem and of course they would not take the blame of one of their workers making an error. Thought the problem was fixed so I joined a program and money comes out of my account automatically and after 3 payments they said this would fix the problem and not put me in delinquent. Lied again. Their company and my bank payment missed each other because of the day of the week it was. First my bank allowed the payment but days later sent it back to them.They did not notify me until it was delinquent. Even though I discovered the error and paid, they told me I was ok and I'm still in the program. They want me to continue to pay every month but will not take off all of those late payments off of my credit report. They harass me with phone calls and incorrect information. I would like them to stop putting late on all there loans which are paid all together as one payment. By are putting a late payment on each loan, it makes it look like I am not paying off either loan and counts it as three late payment.They are destroying my credit I need those late payments that are their errors off of my credit report. They are bullying me by way of my credit report,
Consumer complaint received 2017-08-11
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: STERLING JEWELERS, INC. (WA)

and I purchased my wifes engagement and wedding ring from XXXX XXXX from your retail store in XX/XX/XXXX. I have made my monthly payments on time and made my last and final payment of {$1000.00} in XX/XX/XXXX. I received a receipt once my payment was finalized. However, months after the payment was made I checked my credit online and it showed I had an outstanding balance with XXXX. Since XX/XX/XXXX I have been in contact with the home office in Ohio of XXXX XXXX. I have faxed the receipt and proof of payment countless times and as of XX/XX/XXXX my issue has yet to be resolved. Each time I contact XXXX XXXX I have to re-explain the situation but only to be transferred to a supervisor who always assures me the issue is being worked on and I will be contacted. There was a point I was in contact with a supervisor who was very apologetic and let me know a credit repair service will contact me and the payment will be applied through the treasury/finance department. Since my conversation with her, I have had nothing but failed contact attempts.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (MD)

The XXXX XXXX Account is not mine. The account being reported is not my current or any historical account. I have attached a file for documentation and supporting evidence. This needs to be removed as it is causing unnecessary freezes on my credit. Thank you.
Consumer complaint received 2023-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (NY)

To whom it was concerned I, XXXX XXXX have not supplied proof under the Doctrine of Estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of their alleged debt, nor therefore any debt, in fact therefore exists. 

I contacted Calvalry portfolio service several times today through their telephone I was unsuccessful with getting someone to help me resolve this issue. 

Also I disputed this with all three credit bureaus The amount is different {$6800.00} and {$6800.00} on each credit report which is concerning to me please can we get to removed immediately off all three credit bureau this is effecting my credit score and its against the law as me being the consumer also they are sue me as well. 
In addition there are many discrepancies on each credit bureau start date of loan is different The amount owe is different This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/ invalidated credit information. 

Please can we fix this immediately