davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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. (NY)

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law. 
Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ..... 
Understand that by this law, XXXX is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress.

15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer. 
I will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED IMMEDIATELY.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Capio Partners, LLC (GA)

In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to BBB and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2023-07-12
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)

HELLO, MY IS XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS IN A FRAUDULENT WAY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$2200.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO DELETE THAT ACCOUNT FROM MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS... 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-15
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. (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 US 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

XX/XX/XXXX applied for lowest XXXX plan with my requested income re-certification date which was listed as due by XX/XX/XXXX. This date was incorrect as Mohela had sent this out to many people, while the XXXX was saying people wouldn't need to recrtify until months later. They canceled this application with no explanation. 
XX/XX/XXXX applied for lowest XXXX plan with consolidation application as I thought my loans had already been consolidated, but it was only some of them, not all of them and I found out I had to apply for the consolidation before XX/XX/XXXX so I did the application which included the XXXX plan information as part of the consolidation application. This one also was canceled despite the consolidation itself being processed. 
XX/XX/XXXX XXXX then called in once I saw they put me on the LEVEL standard plan instead of an XXXX plan, and was told they weren't sure why but that because I had done the XXXX application with the consolidation ( as it was set up in their own system ), I would need to do a new XXXX application. The representative told me if a I did a forbearance until the XXXX plan was corrected, that the payment time would not count toward XXXX and interest would accrue, which doesnt seem right when it is their mistake or their not processing the XXXX plan request properly. I immediately got off the phone and submitted a new XXXX application to Mohela. I recieved no letter, no email, and no message regarding this application similar to the previous ones. 
XX/XX/XXXX I called them again due to loggin in to see that the XXXX application done on XX/XX/XXXX with NO explanation, or communication was cancelled again! Was on hold for XXXX min before got a rep. That rep told me that even though it says canceled online, on his end it shows it processed today at XXXX and that no official correspondence has been sent yet since it was just done. He told me my expected payment on XXXX plan was XXXX, and that would start in XXXX for payments. I asked what about the {$490.00} payment due XXXX that should have been an XXXX payment, not a LEVEL. I said with the Level, it wont count on the XXXX, and that when I did the consolidation I asked to be put on an XXXX plan. He said that their stuff usually defaults to the Level plans at times and that yes, I could possibly do a forbearance temporarily but that wouldnt count toward the payments either. I told him I can not afford the {$490.00} payment, hence the XXXX plan application. He said he could put me through to an advanced rep who may be able to help with other options to do for the XXXX payment. I said great, yes I would like to be put through. I was then on hold again for XXXX hours, and counting with no one answering.
Consumer complaint received 2017-07-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have attempted numerous times to dispute   XXXX   items off of my credit report.   XXXX   XXXX   XXXX   on my  XXXX  report and   XXXX    on my Equifax report. I have attempted numerous times to dispute these   XXXX   items    both with  the credit bureaus and directly with the creditors. I have spoken with both companies numerous times and all they do is send me generic letters, more like an invoice with the amount stating that it is my debt. They refuse to send me proof and have claimed that I am outside of my time period allowed to request proof. I never have been contacted by either company. Reviewing my reports I noticed them and reached out to inquire what this was. All they do is direct me to an insurance provider I do not have. The insurance provider claims to have no record of me. The hospitals claim to have no balances owed by me. My last conversation with both companies was  XXXX / XXXX /17 and I informed them of all of this. I informed them that I have the legal right to request proof or removal. They said I do not have that right. They said they do not have to provide proof.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I was charged {$42.00} on XX/XX/24 although it posted on XX/XX/24 from XXXX XXXX which is a XXXXXXXX XXXX XXXX  event that takes place in XXXX Florida. 

I had bought a water bottle twice, the second transaction of {$7.00} was correct, however my first time buying a water bottle while the tablet did say {$7.00} they turned the tablet around before I could tip, next thing I know I was charged {$42.00} for a single water bottle which leads me to believe they tipped themselves. 

One water bottle for {$42.00} makes no sense especially since the second water bottle purchase I made came out to {$7.00}. 

I contacted Wells Fargo and they declined my dispute for whatever reason.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (AZ)

I have had much difficulty getting my credit card account closed with Chase. I finally got my credit card account with Chase closed and ended up with a credit balance of {$3.00}. I want this account XXXX XXXX out and Chase to pay me the {$3.00} they owe me. I have had to pay them many thousands of dollars of credit card interest over the last few years, and they always refused to lower my interest rate even though I was struggling financially especially after a layoff during COVID. Now that I have finally paid off this account they are refusing to mail me the {$3.00}. I called today Thursday XX/XX/2023 at about XXXX Arizona time after trying to resolve the issue using Chase 's website and XXXX  app ( both said I had to call in to get Chase to send me the money they owe me- lol ). When I called in, a female answered who said she needed to re-open my account to mail me the {$3.00}. I find it dishonest that one of the largest financial institutions on the planet can not figure out how to mail me a check for {$3.00} after going through extensive security verification. After " putting me on hold '' to figure it out she and/or Chase disconnect the line and nobody at Chase made any attempt to call me back email me or message me through their app to apologize and/or get the issue resolved. I want Chase to mail me the {$3.00} immediately so this account has a XXXX balance. It should be noted that this is the second CFPB complaint about Chase in less than a month. I hope someone sues them for a large sum of money and wins. They are not abiding by federal or state financial institution laws and should be penalized.
Consumer complaint received 2022-10-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc (IL)

Hello my name is XXXX XXXX, chime back in XXXX took {$200.00} from me putting me in the negative {$200.00} then back in XXXX there ways - {$300.00} then they blocked my purchases XXXX of them way my internet bill for {$240.00} then the other was a charge to XXXX which was a gift for my younger sibling, then another was a train ticket though XXXX which was for my mom to come visit me at my new apartment, I contacted chime customer service and they said there was something that zapped my card for the {$200.00} tried to say it was a subscription which it wasn't because the one they claimed it was wasn't due tell mid XXXX and it was for {$100.00}. I closed the account because I was tired of the lies and fraud claims I want something done
Consumer complaint received 2024-04-01
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX 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 with ought my written instructions.
Consumer complaint received 2023-06-16
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. (TX)

This is my 13th 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
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. (NY)

Following the Fair Credit Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX XXXX, XXXX No. XXXX 15 U.S.C 1681 Section 602. 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 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-06-16
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)

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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2022 XXXX XXXXXX/XX/2022
Consumer complaint received 2024-04-01
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 looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXXXXXX ] are not complete and accurate. 

[ XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Consumer complaint received 2020-09-29
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)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME NEGATIVE ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. MY CREDIT HISTORY IS NOW IN A HORRIBLE STATE BECAUSE OF THIS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSSIBLE.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I am writing to express my frustration and concern regarding the difficulties I have encountered in accessing my free annual credit report through your online platform. Despite multiple attempts, I have been unable to obtain my report, which is essential for me to review and ensure the accuracy of the information contained therein. 

Each time I log in to access my report, I encounter obstacles that prevent me from completing the process. Whether it be technical glitches, denial of access, or requests for alternative means of verification. the result is the same- I am left without access to vital information that is crucial for managing my financial affairs responsibly. 

As a consumer, Ii am not only entitled to but also legally obligated to access my credit report in order to identify and dispute any inaccuracies or fraudulent transactions. However, the barriers I have faced in obtaining this information are hindering my ability to fulfill this obligation. 

I urge [ XXXX/Equifax/XXXX ] to address these issues promptly and ensure that your online platform is accessible and user-friendly for all consumers. It is imperative that you uphold your responsibility to provide accurate and timely access to credit reports, as mandated by law. 

I request that you take immediate action to resolve this matter and provide me with the necessary assistance to access my free annual credit report without further hindrance. I appreciate you attention to this matter and look forward to a swift resolution Sincerely, XXXX XXXX
Consumer complaint received 2023-02-07
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. (NC)

This is a formal complaint to request that you remove the fraudulent items off of my Credit File. I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The TransUnion and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports that I need you to remove : XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. In accordance with the Fair Credit Reporting Act Section 605b, you are expected to remove any accounts and information that are found to be items resulting due to identity theft. So please comply with the law and have the disputed items removed as soon as possible.