davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: World Omni Financial Corp. (GA)

Yesterday, XX/XX/XXXX was atrocious the lack of respect for those battling invisible XXXX like myself was monstrous. Tuesday, XX/XX/XXXX I spoke with two different XXXX My church called Omni and made an agreement to pay. Due to me being in an emergency crises it was communicated XXXX XXXX had to pay by XX/XX/XXXX or my car would be transferred to an auction location closer, so I could get my stuff. I spoke with XXXX which an after hours operator at XXXX am on the XXXX or XXXX due to desiring to get my car. I spoke with a plethora of people. However, at XXXX XXXX a supervisor called me and expressed he couldnt bring me the car. I had to contact XXXX ( XXXX XXXX XXXX ). I called him after Wednesday to report that I couldnt make it due to no money. XXXX stated it would be in my best interest to pick the car up Friday at XXXXXXXX XXXX which is Friday. Upon arrival security and supervisors were not prepared XXXX XXXX triggered me. My son and I had to rush to our XXXX. The trip up was {$110.00} plus tip. There are so many issues when my car was picked up I had just got an oil change and due to the transmission leak. I was encouraged to get oil changes. My car has XXXX miles, but I had got an oil change XX/XX/XXXX the mileage was XXXX miles and the anticipated oil change date was XX/XX/XXXX. My XXXX XXXX XXXX son was with me. He looks XXXX. THE MAIN PROBLEM IS THEY USED THE LOW XXXX to get back at me for the misunderstanding. XXXX XXXX called XXXX XXXX where she escorted me over to redemption. Then, XXXX XXXX answered my question inappropriately. Then, a XXXX woman that they wouldnt give me name appeared. She treated me horrible. The lady says she can whoop my XXXX and charges at me. I got in the boxing stance to let her know I wasnt scared. After my exchange XXXX tries to calm me down, but it isnt working. XXXX XXXX expressed that his mom has XXXX but she can controls hers and doesnt spit on people. I didnt do it intentionally I told my medicine and I was spraying it and I was praying. XXXX XXXX was the supervisor. I had an emergency tooth extraction, my son didnt have on a coat on, and no money. XXXX should have did what he needed and Toyota Omni. It was expressed that it was never reported that there was a lien release and taking the car. I have been sick all day until the present moment of XXXXXXXX XXXX and this was done in front of my son. XXXX didnt tell me no kids. He said I had to have a license and the drivers plate. Now, my car is off and in the hood at XXXXXXXX XXXX, so if someone steals what left of my car then what?
Consumer complaint received 2023-12-09
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: WELLS FARGO & COMPANY (GA)

I filed a report with the FTC. This took place XX/XX/22 and i did not give authorization according to 15 U.S. Code 1681b ( permissible purpose ) for my credit information to be furnished.
Consumer complaint received 2023-12-09
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 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (PA)

There are a number of things on my report 1 XXXX XXXX XXXX XXXX isnt mine at all 2 there are two XXXX i dont know what that is not mine i need my repor updated and the items that should come get it off of there
Consumer complaint received 2023-09-05
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. (CT)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card XXXX  account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-28
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. (MI)

On XX/XX/2022 I submitted a dispute to the credit bureaus disputing the following listed accounts and asked for validation and verification of the accounts and not only have they not provided proof they have failed to respond. Transunion implied that I was using a credit repair company. I am not I am exercising my consumer rights to dispute the incorrect inaccurate and unauthorized information. 
XXXXXXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX  ( XXXX ) Acct : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX )
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

JP Morgan Chase XXXX XXXX XXXX XXXX. 
New York, XXXX  XXXX Dear sir, On XX/XX/2023, I received an email from your company ( XXXX ) that notified me to be credited on my account of Chase Bank . 
Therefore, I logged in and found out I was charged by XXXX XXXX on XX/XX/XXXX and posted on XX/XX/XXXX. Since I do not have time and quite busy not to have enough time to play computer game myself, I can not recognize what is this charge at all. I wanted to dispute but the bank site gave me the option only to complain and lock the account. I enclose the printout of the charged amount {$8.00}. Anyway, I have checked the letter which the company asked me by email. I tried to find out {$10.00}, but I could not find out the refund. Since the date on the letter indicated XX/XX/XXXX, I believe Chase did not refund {$10.00}. Instead of it, it charged {$8.00}. Since I continue to have the issue regarding the game site of XXXX, which I do not recognize at all, I would like you to stop XXXX charging the digital games. Since I have more letters and claims to be filed, I do not send the letter to XXXX ; so, would you check by yourself whether it has the digital game called XXXX XXXX. From the beginning, have you ever checked whether so-called XXXX XXXX exist or not in this world. I request to refund all the charge made by XXXX XXXX in record. If you state this digital game have been existed and lost this existence, would you explain logically and calculate precisely, and refund me appropriate total. 

Sincerely,
Consumer complaint received 2024-03-11
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. (OH)

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 XXXX Account Number:XXXX 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Account : XXXX XXXX XXXX XXXX USE Per FCRA as a federally protected consumer. All information on my credit report must be in line with other consumer reports. 
The above account is not reported accurately on my report. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2023-09-29
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. (WA)

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 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 2022-12-06
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. (TX)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-06
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
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: BARCLAYS BANK DELAWARE (CA)

I just received my credit report last week and to my surprise there is inaccuracy regarding an already submitted tender of payment to Barclay Card services. I have the receipts and signature card from the post office that they had received it and it appears that I had an adverse action taken against me and the card was closed for usage but I have been getting phone calls from unknown solicitors asking for my name using a digital voice recording and it is harassing me for something that should have been taken care of long ago. 

I have the remittance receipt, XXXX post office postal card and the certified mail receipt that it was send. XXXX XXXX XXXX XXXX XXXX. 

There are certain banking rules and procedures set in place and I believe that the negative adverse reporting which is damaging to me is in violation of my privacy based on me not being asked to opt out of third party reporting. 

Thank you. 
XXXXXXXX XXXXXXXX
Consumer complaint received 2017-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MO)

We recently refinanced w ith Wells Fargo, within the last 6 months. They were the holder of our  mortgage and we refinanced with them to get a lower rate and shorter term. We decided to go with them because we were told we would receive a {$500.00} gift card (   XXXX   or  XXXX  - the representative couldnt ' remember which  XXXX  ). Our refinancing was completed several months ago, but even after multiple follow-ups we have not received any gift card/certificate. The rep who helped us refi will not return any calls. We recently sent an email to customer service and have yet to hear a response. Please help us in getting some answers on if there even was a gift card offer and if so, how can we obtain it.
Consumer complaint received 2021-07-03
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. (GA)

TransUnion is violating my rights under the Fair Credit Reporting Act, Section 609 They are reporting unrecognized hard inquiries and incorrect account balance information.
Consumer complaint received 2024-03-11
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. (CA)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2022-10-23
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 XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-02
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. (GA)

I have erroneous inquiries on my credit report attached is the documentation and an erroneous reporting of a student loan. This is on all three credit reports. Also Equifax document uploader is not working, and they do not seem interested in fixing it.
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (MO)

Absolutely criminal that experian closes XXXX complaints while still working on XXXX complaints THAT ARE EXACTLY THE SAME, THEY ARE XXXX NOTHING BUT HURTING MY CREDIT AND THIS IS IN RETALIATION FOR THESE COMPLAINTS
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (SC)

In accordance with Fair Credit Reporting Act this creditor ( American Credit Acceptance ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-02
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. (TX)

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. I am writing to request that Equifax takes immediate and corrective action to address this issue in compliance with the FCRA. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2022-12-06
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MOHELA (NY)

I have submitted a dispute on student loan in XXXX  with XXXX for the late payments in XXXX and XXXX. They removed the XXXX one because I told them I was struggling to pay it off as being a resident during the covid time. Now I'm settled as a XXXX, I can pay the loans. 

They had removed the one in XXXX but not the one in XXXX. I tried calling the XXXX  mohela and 3 times they told they'll call back with issue. Three times they told the supervise will all me back but they haven't reached back to me.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-29
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I need you to correct and or remove the following accounts reporting erroneous information on my Credit File : XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$100.00}