davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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 US 1681. 

XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXXXXXX XXXX : Acct # XXXX, XXXXXXXX XXXX XXXXXXXX : Acct # XXXX, XXXX XXXX XXXX  : Acct # XXXX have 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 : 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 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 ) : States 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 the information is inaccurate.

After filing complaint, there was no follow up from the companies. However it was noted on my report that the consumer disputes the account ( s ).
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

I was approved for a loan in XXXX  and initially paid {$3000.00} up front, which was never applied to my account. Since then have been making payments monthly of {$370.00}. I have an overdue balance that is incorrect and I have contacted Ally financial bank to request a payoff amount. I was told to call and since then I have been blacklisted. Agents will not assist me after looking up my account information, if I am able to get someone on the phone.
Consumer complaint received 2023-09-12
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)

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 US 1681. 

XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX  : Acct # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXXXXXX XXXX : Acct # XXXX, XXXXXXXX XXXX XXXXXXXX : Acct # XXXX, XXXX XXXX XXXX  : Acct # XXXX have 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 : 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 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 ) : States 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 the information is inaccurate.

After filing complaint, there was no follow up from the companies. However it was noted on my report that the consumer disputes the account ( s ).
Consumer complaint received 2023-09-12
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. (NJ)

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 - {$2000.00} - XXXX  Account Name : XXXX Account Number : XXXX - {$0.00} - XXXX Account name : XXXX XXXX Account number : XXXX - {$0.00} - XXXX Account name : XXXX  XXXX Account number : XXXX - {$5100.00} - all3 ============================ Unauthorized inquiries : XXXX XX/XX/2023 Equifax XXXX XXXX XXXX Equifax 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-14
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: EQUIFAX, INC. (FL)

We are trying to let a mortgage so we hired a credit repair company, They put disputes in. Now we can't get a mortgage because of the disputes on my credit report. I have been trying to get those disputes off my report sinceXX/XX/2020 and they are still there. I have written them and sent copies of my id 's and have called them several times. I have already lost a house we wanted because of them and there inability to follow directions, This has only been a problem with Equifax all the other bureaus have complied with my wishes.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2023-09-12
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

In approx. XXXX, I opened a Wells Fargo credit card with a credit limit of {$4500.00}. I paid my monthly payments every month on time and most months I paid more than the minimum amount due. 
In XXXX of XXXX, my area of XXXX Florida was affected by Hurricane Irma. Due to raising a small child, the cost of preparing for this hurricane was creating a financial burden. On XX/XX/XXXX, I received an email from Wells Fargo Hurricane Irma Support ( attached ) stating that I may qualify for payment relief for 90 days. I was hesitant but called and spoke with a representative. Because I was in the direct impacted area of Hurricane Irma, I qualified for the 90-day payment relief, waiving of late fees and a pause on interest. I was advised that my payments would resume in XXXX of XXXX. 
A few weeks later I started to receive calls and emails that my payments had been late ; at this time demanding interest and fees that I simply did not have. I explained the agreement and the Wells Fargo representative would not talk until I made a payment. In XXXX of XXXX, Wells Fargo was demanding over {$1500.00} from me, just to even speak with a representative. In XXXX of XXXX, Wells Fargo closed out my credit card. 
In XXXX of XXXX, I started to receive advertisements in the mail for attorney representation. I went to the XXXX XXXX XXXX XXXX XXXX XXXX website and seen that on XX/XX/XXXX, Wells Fargo filed a civil complaint against me for non-payment of the credit card. I immediately reached out to the attorney that was representing Wells Fargo ( email attached. ) My email to this attorney went unanswered. I then began to consult with attorneys and reached out to Help Me Howard for assistance. Unfortunately, I was not able to financially hire an attorney.

Please see emails and civil complaint attached. The civil complaint will show that in XXXX of XXXX, Wells Fargo was stating my minimum payment due was over {$1500.00} and included interest and late fees. 
Had I had known Wells Fargo would not have lived up to their agreement on Hurricane Irma Support, I would have not accepted this support and would have continued to make the minimum payments as I had been doing. Wells Fargo set me up to fail, did not abide by their agreement, charging me erroneous fees and undue hardship to my credit file.
Consumer complaint received 2024-03-28
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: EQUIFAX, INC. (CA)

PLEASE REMOVE THESE INQUIREIS FROM MY CREDIT REPORT ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These reporting is not correct, I am receiving stall letters from the bureaus
Consumer complaint received 2023-09-12
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: EQUIFAX, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (VA)

Starting from XX/XX/23, I received several emails from Chime about my account is waiting and creating a password while I never opened an account with Chime. I thought it was a fraud case and contacted Chime. I was told someone will follow up with me but never heard anything back. I received another email about my chime acct so I contacted Chime again to report thia fraud case. Was told by the agent on the phone to contact the support email, which I did. But I got two additional email responses from Chime about how to reset my password instead of addressing the fraud. At this point, I suspect chime doesnt want to close the account and stop the fraud or even opened the account.
Consumer complaint received 2023-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc (SC)

Had identity theft I filed a fraud alert found out this debt was open XX/XX/2022 from a XXXX XXXX and I got paperwork sent of signed documents and a ID with my name. They updated this debt without a proper investigation and according to FCRA sec 623 enforce FACTA 312 if unable to perform a reasonable investigation then the agency is required by the FCRA to remove the negative information. And I called and was bullied in paying this debt which is not mines
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file 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 XXXXXXXX
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CarMax, Inc. (CA)

I paid {$1000.00} extra on my down payment to lower my monthly, and there were no changes made. 
The service station does not handle recalls from the manufacturer and the manufacturer is far more shady than they are. 
When I call to get resolutions I am talked into circles and nothing is ever completed.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

ON COMPLAINT XXXX EQUIFX REPLIED WITH VERIFICATION OF THE ACCOUNT. I DIDNT ASK VFOR VERIFICATION OR VALIDATION .I PROVIDED EVIDENCE ON MY CREDIT REPORT THAT THE ACCOUNT ISNT SHOWING ACCURATE INFORMATION AND SHOULD BE DELETED BY LAW UNDER CONSUMER LAW. THE ACCOUNT IS SHOWING DIFFERENT INFORMATION ON ALL BUREAUS, THEREFORE IT IS CLEARLY INACCURATE AND IS A VIOLATION OF CONSUMER LAW. VERIFICATION ISNT WHAT I ASKED. THE INFORMATION IS ISNT SHOWING THE SAME ON THE OTHER BUREUAS. IT IS ILLEGAL TO REPORT INACCURATE INFORMATION. THEY PROVIDED VALIDATION AND THAT DIDNT FIX THE FACT THE INFORMATION THEY ARE REPORTING IS INACCURATE. THEY IGNORED 15 U.S. Code 1681i PER THE LAW 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information  ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-12-20
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-05-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

Recently there was a group discharge for all federal loans for the XXXX XXXX. I currently have a private loan through Navient for the XXXX XXXX XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at the XXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections The XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by The XXXX XXXX, ED has determined that it is appropriate to discharge the loans made to all students who attended The XXXX XXXX during the time period described above. 

I have struggled for years to pay off or make a dent in these private loans. I haven't been able to live the life I was promised by this school.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

On XX/XX/2023 I purchased digital gaming goods from XXXX. I was given a 4 letter code through the statement of the charge to verify my purchase and be able to withdraw my digital items out of XXXX website. Upon trying to withdraw the items I found out I needed to wait an additional 5 days in order for my XXXX account to accept trades from XXXX. On the second day after purchasing the items I found out my account was banned on XXXX preventing me from attempting to withdraw what I paid for. I started a chat with their support team on XXXX and they proceeded to tell me I needed to verify my purchase by falsely claiming they were required by law to ask for my documentation ( ID, selfie with ID, and my card I used for the purchase ). I declined to give them my information so I asked them to issue me a refund on XX/XX/2023. I was then ignored for countless days with no help at all. I told them if they did not issue me a refund without me having to verify my documentation with them that I would file a dispute with my bank. I proceeded to file a claim with my bank where my bank decided to rule in the merchants favor stating the purchase was valid because they loaded funds to my account. I never loaded funds to my account, I clicked on the items and clicked the " Buy '' button where I was taken to a screen to input my bank information to make the purchase. My bank refused to open up the claim again with countless more evidence I provided them with why I still have not received what I paid for. My bank keeps telling me if I have anything in writing stating XXXX  will offer me a refund they can help me. Wouldn't you think if I had something like that they would have already issued me a refund by now without the help of my bank. I also requested the refund 2-3 days after I made the purchase which falls in the 14 days XXXX offers refunds in their terms and service. I would also like to note that XXXX does not have anything in their refund policy stating they need to verify my documentation before issuing a refund. I believe my bank is failing to understand my issue and refusing to help me, their customer, get my money back for something I did not recieve. XXXX has since deleted every message I had with them on their website and have since stated my account will remain banned permanently and that I will not be able to withdraw what I paid for because I " falsely disputed '' against them which is not true at all.
Consumer complaint received 2022-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Balance : {$230.00} XXXX  XXXX Balance : {$270.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX Balance : {$120.00}