davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
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)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (CA)

I made a purchase for goods and services on XX/XX/XXXX in the amount of {$1700.00} from a company called XXXX XXXX ( XXXX Soles ) with my American Express Platinum card ending in XXXX. I did not receive the goods and or services from the company as promised and filed a dispute with American Express on XX/XX/XXXX. On the next day, my dispute was closed and the reason given was because I did not dispute the charge within 60 days after the purchase. I immediately contacted American Express and they reopened the case and I submitted multiple documents. The very next day on XX/XX/XXXX, the dispute was closed for the exact same reason. I again, reopened the dispute, this time online and then called in on XX/XX/XXXX because American Express needed more information. I provided the needed information and later on in the day, I received a message that the dispute was closed for the same 60 day reason again. I tried speaking to American Express 's online chat and did not get anywhere. They refuse to investigate the dispute. 

I have disputed a charge that was XXXX  months past the date of the inititial charge and American Express investigated it and credited my account after they completed the invesigation. For unknown reasons, they will not with this merchant and can not explain why.
Consumer complaint received 2024-03-30
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)

Equifax and XXXX are reporting an account- XXXX XXXX- on my credit file, but this account and balance do not belong to me. XXXX XXXX and I have sent numerous letters asking for the removal of this account and its deletion from the credit file, yet these credit reporting agencies are still reporting this account after months and months of requests for removal. I have attached the FTC report and the letter from XXXX for removal.
Consumer complaint received 2023-06-15
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. (TX)

When I investigated my credit report, I realized that the same 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 Balance : {$26000.00}, XXXX XXXX Balance : {$270.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$250.00}
Consumer complaint received 2024-03-18
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)

XXXX XXXX XXXX XXXX XXXX
ACCOUNT NUMBERXXXX  
LOCATION INFORMATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX


TO WHOM IT MAY CONCERN,

THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX  WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E XXXX XXXX & EQUIFAX )

ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX, EQUIFAX AND XXXX ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX EQUIFAX & XXXX IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED;

LATE PAYMENTS:

1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

SINCERELY,
XXXX XXXX
Consumer complaint received 2017-05-10
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. (TX)

I was on a low interest rate payment plan and making payments just fine. I did not realize that the program ended and I had to call in to enroll again. This was the start of delinquent payments. The last payment they have on file was made in   XXXX   XXXX    . I did n't realize until the calls started, that I was late. I am very willing to make a payment but needed more flexibility. I was offered a  XXXX  interest rate in  XXXX  and that was great but I had to make a large payment on that date and could not do it. I asked if I could make the payment in  XXXX  and they said I 'd just have to call back in  XXXX , so I waited. Now, they can only offer  XXXX  rate which makes my payments too high. I requested the  XXXX  rate by talking to a supervisor. He would not approve me and told me that I ca n't speak to another supervisor and he would not transfer me. He then hung up on me. I would like to make my account current but need more options. Every time I speak with Navient they are extremely rude. I can not believe they are allowed to speak to customers in the way that they do.
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 XXXXXXXX XXXX in  XXXX, Ca sent a wire transfer to Wells Fargo Bank XXXX XXXX XXXX XXXX Tx. in the amount of XXXX XXXX the recipients did not receive the wire money. On XX/XX/2022 another wire was sent out for XXXX the recipients received the money and a recall was filed with Wells Fargo to return the wired money sent out on XX/XX/2022. Wells Fargo refused to return the wired money after a number of requests by XXXX Bank. The recipient account number had one number too many is the reason the recipients did not receive the wired money on XX/XX/2022 Wells Fargo failed the responsibility to return the wired money sent out on XX/XX/2022 as of today. Wells Fargo is refusing to return the money/
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2021-05-13
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (KS)

AVANTE USA at XXXX XXXX XXXX XXXX XXXX TX XXXX. Has been sending me collection notices in the amount of {$1900.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2024-03-18
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-18
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-22
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank bounced a check from one of my accounts and never notified us ( so that we could resolve the issue ). This has never happened before in the past regarding checks. The check was written to my daughters day care. The bank then began charging us multiple insufficient fund fees and a return fee when we had the money in our accounts the entire time. So instead of just pulling the funds from one of our other accounts. I contacted the bank to clear up this matter and they were unwilling to resolve the matter with us. My wife contacted the bank to do the same and they were very rude to her. We have been with Chase bank for over 10 years. I'm filing a complaint for " unfair business practices, '' and taking advantage of there customers.
Consumer complaint received 2024-03-18
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-25
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: TD BANK US HOLDING COMPANY (ME)

XXXX PLEAE DO NOT ALLOW TD BANK TO CLOSE THIS AFTER 1 DAY FALSELY CLAIMING THIS AS A DUPLICATE COMPLAINT. THE DISPUTE IS VALID AND THEY ARE BREAKING THE LAW BY REFUSING TO INVESTIGATE AND REMOVE THIS FRUAD ACCOUNT. 


TD Bank issued credit to third party for XXXX, unknown to me, without my knowledge or consent. I have lived and worked in XXXX since XXXX and before that I was working and living in XXXX. This account appeared on my credit during a routine security clearance check in XXXX, of XXXX. I disputed this with TD Bank, and provided proof that I am in XXXX now, since XXXX, and in XXXX before that. 

TD did not investigate at all. They again reposted this on my credit profile, knowing it is a fraud account again in XX/XX/XXXX! 

This is, and never was my account. I can lose my security clearance and my job due to TD Bank 's multiple error 's and continued false reporting of an account that I do not have with them.. 

I am again sending you my IDs showing where I am and have been since XXXX. 

Please santion TD Bank for posting slanderous details about me, that are for an account that ism and never was my account. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (TX)

My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed  XXXX , Experian, nor  XXXX  has ever validated or verified these public record entries on my credit report, neither will they ever be verified by the courts. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given  XXXX , Experian and   XXXX    multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. I am hoping this matter will result in the removal of the bankruptcy from my account.
Consumer complaint received 2023-06-22
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)

Its been over 30 days, XXXX, XXXX and Equifax haven't shown prove that I owe XXXX XXXX nothing. 

On XX/XX/23 I sent all three credit Bureaus a 609 letter.
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

This company XXXX Navy Federal Credit Union ) has charged off credit card for nearly 4 years, have not sent me a 1099C, I deposited money into the checking account, and they debited my money from my account without warning, I need the ( Navy Federal Credit Union ) to CEASE AND DESIST from taking money from my checking account, and reporting income as debt on my credit report, I'm revoking any power of attorney that you think you to report my Nonpublic Financial Information to third party corporations ie credit report agencies, as they are not government agencies.
Consumer complaint received 2021-05-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY (MD)

I co-signed a private student loan my daughter took out through XXXX XXXX. She took out another loan which her mother cosigned. Her mother and I divorced years before my daughter took out the loans. Wells Fargo bought XXXX XXXX Without my knowledge, Wells Fargo combined the loans my daughter took out. I was paying off the loan for which I cosigned and discovered Wells Fargo 's move. I contacted Wells Fargo several times and was told the error was corrected. This was many years ago and I heard nothing more from them., Recently I received a letter from Wells Fargo stating they were transferring their student loan division to XXXX XXXX and indicated I was still responsible for a cosigned loan. Given my conversation with Wells Fargo was many years ago, I shredded all the documents from XXXX and Wells Fargo. I have also received a letter from XXXX with an amount. This is not XXXX XXXX 's error but Wells Fargo.
Consumer complaint received 2020-08-18
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: BARCLAYS BANK DELAWARE (NJ)

I have a loan with XXXX, BARCLAYS BANK DELAWARE, and XXXX XXXX XXXX XXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, BARCLAYS BANK DELAWARE, and XXXX XXXX XXXX   XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-04-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc. (CA)

I would like to state that I have been contacting Meridian in an attempt to cease all communication and attempt to collect the debt they are claiming I owe. They have contacted me in an harassing manner ( I have attached the original request to cease communication ). Additionally they have claimed to be attorneys ( attached proof ) - which after doing my research I am able to confirm that is illegal, because of this I would like this organization to stop contacting me, reporting on my credit and demanding money from me especially since they can not follow the law. I had contacted all the credit reports to demand deletion especially since they are claiming they are attorneys and they validated this to be true? 

Additionally, I had requested proof of a signed written signature with both the original credit and the collection agency showing proof that I agreed to work with Meridian,  XXXX or any of its affiliates. I have yet to receive any responses from them. They have threatened to affect my credit. I feel like I have been pressured and forced into paying for something that began by predatory lending and misrepresentation from the beginning. Now this company is refusing to respond to me and continues to validate the information as true even when I provide proof of their inaccurate information on my report. Furthermore, they are reporting a past due balance on an account that I never signed a contract with them for. I DEMAND PROOF OF AN ORIGINAL CONTRACT STATING I AGREED TO WORK WITH MERIDIAN OR XXXX XXXX SERVICES IMMEDIATELY