davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
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)

Someone has used my information for XXXX XXXX. I've been paying it to keep from getting a negative mark on my credit. But I was XXXX during the time the account was set up. 

XXXX XXXX - Balance {$8100.00} Credit limit {$9800.00}
Consumer complaint received 2023-04-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, I am writing to dispute the inaccurate and unverified information that is being reported on my credit report by several creditors. I believe that these creditors have violated a number of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

One specific violation under FCRA is the inaccurate reporting of my addresses and other personal information. My current address is XXXX XXXX XXXX  XXXX, NJ XXXX, but the credit bureau has reported multiple other addresses that are not accurate, including XXXX XXXX XXXX, XXXX, DE XXXX and XXXX XXXX XXXX, XXXX, DE XXXX. This inaccurate information has caused confusion and difficulty in accessing credit, and is a clear violation of FCRA. 

In addition to the inaccurate reporting of addresses, I have also experienced other violations such as harassing and abusive debt collection practices by some of these creditors, including attempts to collect debts that are not owed and failure to provide required disclosures under the FDCPA. 

Furthermore, I have been denied access to my free annual credit report and the creditors have failed to properly handle identity theft claims under FACTA. TILA violations include the failure to provide required disclosures related to loans or credit card accounts, and RESPA violations include the failure to provide required disclosures related to mortgage loans or settlement procedures. In addition, I believe that I have been subject to discriminatory lending practices based on my race, gender, or other protected characteristics under ECOA. Finally, there have been instances of unauthorized charges and the failure to properly handle billing disputes under FCBA. 

These violations have had a significant impact on my life. I have been denied credit and other opportunities due to the inaccurate information on my credit report. It has been extremely difficult to correct these errors and I have suffered emotional distress and financial hardship as a result. I have been actively working to improve my credit score, but the inaccurate and unverified information on my credit report has made it nearly impossible. 

Therefore, I am requesting that the creditors remove the unverified accounts from my credit report immediately. I also request that you take appropriate action to enforce the laws that have been violated by these creditors. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Climb Credit Inc. (CA)

I lost my job in XXXX XXXX  in XX/XX/2023. Anything that has been saved up was spent on rent, car, insurance, and all other bills including my XXXX loan. I have been in contact with XXXX on the phone and Climb Investo through email and they only offered me a total of 6 months at a lower rate to delay the inevitable. When I asked for more help they told me if I can not make the payments then I WILL HAVE TO LET THE LOAN DEFAULT!! This gives lots of credibility to those who believe XXXX is trying to destroy people 's credit as they also listed on their website that even bankruptcy may not help you from their loans! Now I still have no stable income and my minimum payment to XXXX is {$1000.00} a month. I have also reached out to my school at the time, XXXX, for help all the way back in XXXX. They said they would file a case but have not given any progress updates since then.
Consumer complaint received 2024-04-17
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC (FL)

The problem is with Westlake Portfolio. I am in constant communication with this financial company because I have experienced them not making notes of conversations and when I asked them to have a supervisor listen to the recording, which they say all calls are recorded, it goes unanswered. On about XX/XX/XXXX, I called, told them to set up XXXX pyt for XXXX I called back on XX/XX/XXXX, spoke with a agent. I asked him about the account, he said it was ok & I made another payment about XXXX XXXX. They also said they put 1 pyt to the end of the loan and my payment status was good, current. I went outside to go home from work about XXXX and the vehicle is gone. I called 6 times, hung up on 5. I spoke with a lady, who put me on hold for 30 minutes then said looks like your vehicle was repossessed. She stated usually a pyt would have cancelled the repo. She stated to call the Repo company and set up a appt to get the car back and she can settle the repo fee if I could pay about {$900.00}. I stated to her, I just spoke with a representative that did not say anything about any additional money had to be paid, right to cure, he just processed my pyt that went thru immediately and my vehicle was most likely already picked up when the pyt was made, so I'm told. I then got a very nasty representative on the line, that yelled, and over talked me and told me to pay $ {$650.00}, which I did. I explained again, I made a pyt earlier today and they pyt one pyt behind. She stated that was guaranteed, I said the REPRESENTATIVE PUT ME ON HOLD, CAME BACK AND STATED THE PYT WAS SUCCESSFULLY PUT TO THE END OF THE LOAN AND MY PYT PROCESSED AND ACCOYUNT WASIN GOOD STATNDING. She never could or would give a reason why westlake did not advise me of the repo status. No phone call, no email, not even in my previous call. which I did. I have a XXXX XXXX in my ankle which causes XXXX I'm in my XXXX XXXX and I walked over a mile to my daughter job and took a XXXX home and for 2 days I paid for XXXX. I told them, they could and should have the vehicle returned to where it was picked up from or refund the repo fee. This is the worst Finance Company. I am disgusted. Subprime lenders feel like they can handle people any way and they do over and over again. I read their reviews and no one has anything nice to say about them.. there response to everything, is oh well or i don't know. No right to cure. Their collection practices are not good. i want that repo fee back and my XXXX  fees.
Consumer complaint received 2023-01-25
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. (NY)

Someone has used my information for XXXX XXXX. I've been paying it to keep from getting a negative mark on my credit. But I was XXXX during the time the account was set up. 

XXXX XXXX - Balance {$8100.00} Credit limit {$9800.00}
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My issues were not addressed. I asked the credit bureaus to verify all items on my report and they did. They stated that everything was accurate without providing any proof. I provided al the accounts and highlighted all the inaccuracies. Under the FCRA Bureaus are required to have a copy of the original creditors documentation on file to verify that the information they are reporting is actually mine, and it also has to be correct as well as accurate. When asked to verify bureaus are supposed to provide original copy 's with my signature as verification. Transunion did not provide this information.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I HAD AN ACCOUNT WITH WELLS FARGO, THERE WERE SEVERAL TRANSACTIONS WHERE MONEY STARTED BEING MISSING FROM MY ACCOUNT, I NOTIFIED THE BANK ON MORE THAN ONE OCCASION AND I RECEIVED A NEW DEBIT CARD, SOME HOW THE FRAUD CONTINUED TO HAPPEN LEAVING ME TO BELIEVE THAT THE FRAUD WAS HAPPENING INSIDE OF THE BANK. I MADE A CLAIM WITH THE BANK TO GET MY MONEY BACK BUT THE CLAIM WAS DENIED. I HAVE SINCE INITIATED A CASE WITH THE XXXX XXXX POLICE DEPARTMENT. I NEED MY MONEY BACK AND ANYONE THAT WAS INVOLVED IN REMOVING MY FUNDS PROSECUTED FULLY.
Consumer complaint received 2023-05-14
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. (SC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I request you investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2017-05-19
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA (CA)

I submitted an income-driven repayment plan re-application through  XXXX v on   XXXX   XXXX   XXXX    . I heard nothing from them until   XXXX   XXXX   when they said my re-application was on hold. Then on   XXXX   XXXX   they said that could not process it, without giving a reason. Then on   XXXX   XXXX   they said my re-application expired.   This seems like they deliberately delayed processing until the last possible time, they failed to tell me what was happening and why they made the decisions they made, and they did so in such a way so that I had no time to do anything before my re-application expired.   These kind of communication tactics harm borrowers and seem to be a deliberate delaying tactic to confuse borrowers and deprive them of their rights of appeal.
Consumer complaint received 2023-06-17
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. (FL)

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 XXXX XXXX XXXX. 

XXXX  ( Account # XXXX ), XXXX XXXX  ( Account # XXXX ), XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), FEB/Opplns ( Account # XXXX ), XXXX ( Account # XXXX ), XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ), Credit XXXX ( Account # XXXX ), and XXXX XXXX Account # XXXX ) has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the FAIR CREDIT REPORTING ACT, Equifax has violated my rights. 
15 U.S.C 1581 Section 602 A states I have the right to privacy.

15 U.S.C Section 604 A Section 2, It also states a customer reporting agency can not furnish an account without my written instructions. 

I have disputed with Equifax the following incorrect Personal Information ( addresses ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX ALTAMONTE XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX placed on my credit Report, and Equifax has verified as accurate. 

These addresses are not correct and are reflecting negatively on my credit report as they are not deliverable to me by the USPS. The only and correct address I reside in and deliverable to me by the XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX.
Consumer complaint received 2023-03-01
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. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2017-05-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Caliber Home Loans, Inc. (FL)

Collection Agency : Caliber Home Loan , Inc. After doing my research back in XX/XX/XXXX when the modification of my loan was approved, I had a 2nd mortgage with XXXX and it was settled with original lender of the 1st mortgage, right before XXXX filed for bankruptcy. I received a XXXX back in XX/XX/XXXX which I filed with my XX/XX/XXXX tax returned and I was under the impression that a Satisfaction of Mortgage will follow sometime at a later date. Being in the military, I was kept very busy XXXX four times without the time to follow up on this matter until now. I need your help in providing me with information on how to clear this up and settle this once in for all. I tried contact the collections agency several times and sent them an e-mail ( Caliber Home Loan, Inc. ). They have provided very little information and I am very frustrated on what I should do at this point to obtain a Satisfaction on Mortgage? Thank you in advance and I will appreciate your help in this matter. Lender : Caliber Home Loan, Inc. Borrower : XXXX XXXX Loan No. : XXXX XXXX
Consumer complaint received 2023-04-14
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)

My name is 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 account. 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. Please delete the account : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested my credit reports in the mail. Upon looking at all XXXX, the months of XX/XX/XXXX and XX/XX/XXXX has not been updated accordingly for Texas Attorney General. Also, this account is paid as agreed and not late. This negative remark is affecting my credit worthiness and my livelihood.
Consumer complaint received 2023-04-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 items ( A ). It is not permitted to report these items 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. 
XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

In a previous purchase dispute and subsequent complaint against PayPal, PayPal stated that I was at fault because I had not 'escalated ' the issue. I looked back at the emails I received from PayPal and realized that a lot of confusion is mostly likely created on purpose. First, I was dealing with 'Office of Executire Escalations ' and my agents title states, 'PayPal Executive Escalations '. I think common sense would dictate that the issue had been escalated. Now I want to be clear, this complaint is ONLY about their 'escalation ' requirement, processes, and communications ' as I believe it is all very intentional to not be clear about this process. In an email dated XXXX which was the warning that case would be closed they state that, 'if you escalate ... ' but yet I believed that it's already 'escalated ' based on what I already stated, it does not state that it is not escalated or how to escalate the matter. Also, why when you file a dispute is there this step to then 'escalate '???? That's the big question and again, it's to create more hurdles for consumers, to create confusion... This matter was very straightforward and in the end PayPal tried to make it appear they took high road and returned the money but the money should have been returned, I returned the product, I sent PayPal tracking info... all I didn't do due to the confusion and extra hoops was their whole escalation.
Consumer complaint received 2023-02-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.