davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2019-07-31
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. (NC)

XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$1400.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$7300.00} XX/XX/XXXX - {$4500.00} I contacted all three credit bureaus explaining that these account were deferred.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-07-31
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. (IN)

I am a victim of identity theft. I requested proof of ownership on XXXX XXXX XXXX but there is none. It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap
Consumer complaint received 2017-07-12
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: Experian Information Solutions Inc. (IL)

I reached out to Experian before about someone trying to apply for credit in my name. I have been working hard to improve my credit so I can buy a house in the future. I have taken money management classes and I have learned what I can about credit. The only problem that I have with Experian is the fact that I put a FRAUD alert on my file. I assumed that it would stop whoever keeps running my credit. I thought that they were supposed to call me when an inquire for credit was requested. Yet, I have never received any calls and someone is still ringing up inquires which I did n't authorize. I am afraid that one day in the future they will be able to obtain credit in my name which I do n't want to happen. I woke up  with 10 plus inquires from other CB. I 'm so lost right now, I do n't know what direction to go. I have more inquires that I did not authorize and I would like them removed and also pointed in the right directions on what I should do to completely stop this. I lost my wallet last year and I never thought that it would come back to bite me all over again. There is only ONE inquire out of the 7 listed that I personally did myself because I applied for an apartment since my husband and I separated. These are the inquires that were not authorized by me. XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter requesting last XX/XX/2023, that you reinvestigate the disputed Accounts from my credit report as well as update/correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The account are listed below : XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXX Balance : {$440.00}
Consumer complaint received 2022-11-08
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. (OH)

In accordance with the Fair Credit Reporting actXXXX XXXX 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
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

MOHELA in late XXXX and was told my loan payments made over the time of Covid dating back to around XX/XX/XXXX or XX/XX/XXXX of 2020, would be refunded within 45 days as per my request. I have yet to receive any of the money back despite having contact them several times by both email and phone. It is imperative that they return the money back to me because as it stands, I am in desperate need that money. They do not have the right to hold the money any longer, and it frustrates me beyond words to know that theres still holding onto it, not making any effort to pay it back.
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

in accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION (TX)

VyStar Credit Union, I believe, is not meeting their Fiduciary Duty. I received an email from Vystar on XX/XX/2022 stating that beginning on XX/XX/2022 until XX/XX/2022 online and mobile banking will be off line. At least 5 days before I had no way to use the bill pay option on the website. The system went down on XX/XX/2022, and wasnt functioning at all for at least 10 days. Vystar is limiting how many people can log on at once, and I can only see my last three transactions online when I can log on. Its been a difficult process to get into the system. Vystar has given no date when this problem will be resolved. The reason I believe Vystar isnt meeting their Fiduciary Duties are the fact they gave XXXX XXXX dollars to a start up company, XXXX, that shares the building they are in, has no other customers, and has two of Vystar Excutives on their board, XXXX XXXX, and XXXX XXXX. I as a Vystar Credit Union Member believe they continue to work with XXXX, because if their on going ties to them. I feel that since there are no time frame of when the online banking system will be up, or if it will be operational at all they should be looking for another more experienced IT company to resolve this ongoing issue.
Consumer complaint received 2017-12-30
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. (TX)

Equifax use my identity and share my information with another person and there is XXXX  unauthorize hard inquiries on my credit report.My credit scores is around XXXX.

Also XXXX and XXXX has n't deleted the negatives of unauthorize hard inquiries and negatives after Bankruptcy chapter XXXX on XX/XX/XXXX it was discharged on XX/XX/XXXX by Federal Judge.
Consumer complaint received 2022-05-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

After months of looking on the AES Success website for a mechanism to pay down the principle on my student loan, I finally chatted a customer service representative to ask. 

The individual informed me that I had to ASK for that feature to be turned on, otherwise, my overpayments would always go toward my next payment amount and the company could continue charging interest on the overall principle. 

If not illegal, this practice is immoral! AES Success should be ashamed of themselves and they should be forced to give clients an option with each payment as other lenders do!
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2022, at approximately XXXX, my cellphone started receiving hundreds of random text, calls, and emails from spams. The text showed access codes to multiple accounts such as XXXX, XXXX XXXX, bank of america, etc. I also received phone calls from XXXX XXXX according to caller i.d . with people talking in a foreign language I couldn't understand. Eventually, after about an hour of this activity I called XXXX to see if they could help stop the calls and text. They provided me with a scam block app and the text and calls stopped. At approximately XXXX on XX/XX/2022, I received a message from Bank of America stating my bank account was low ( under {$100.00} ). I immediately used my mobile app to check my account. At that time I noticed someone had called into Bank of America without my authorization and transferred {$7000.00} from my business account and transferred it to my personal account. Then they proceeded to charge {$290.00} ( 36 times ) withdrawing a total of {$9200.00} to a company called XXXX. I immediately froze my debit card and contacted Bank of America. I was told the claims dept didn't open until XXXX the following day. I contacted the claims dept. at XXXX on XX/XX/2022. I filed a claim and I was told to go to a local branch to open a new account. I complied. On XX/XX/2022, I received a message from Bank of America saying I authorized the transfer and they were unable to approve my claim. I called Bank of America on XX/XX/2022, advising once again I did not authorize any transaction or transfer of funds in the amount of {$9200.00}. They advised me they would review case again. Haven't heard from them since. PLEASE HELP!!
Consumer complaint received 2017-07-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Go Capital Holdings, LLC (NC)

The vehicle was repossessed XXXX XXXX. According to NC repossession laws, Go Financial was supposed to notify me at least five days prior to the sell of the vehicle, notifying me of the auction date, location, and time. After the vehicle was sold I was also supposed to receive post sale papers notifying me of the price the vehicle was sold. I have not received any correspondence from this company until I filed a dispute with BBB explaining the unlawful sales practices of Go Financial. I received a phone call from a representative onXX/XX/XXXXwhom verified that there were at least 3 discrepancies in the final price of the vehicle. However, Go Financial is reporting an unvalidated amount on my credit file with all three credit bureaus.
Consumer complaint received 2017-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Hello, I am not responsible for any debt with XXXX XXXX XXXX XXXX . I have requested for XXXX XXXX, XXXX to provide me with the original contract signed with XXXX in which they 've never provided. If my signed proof ca n't be provided to me I would like this account to be deleted from all 3 credit bureaus ( XXXX, XXXX, and XXXX ).
Consumer complaint received 2022-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I received the letter sent by PORTFOLIO RECOVERY ASSOCIATES , LLC saying they were attempting to collect on a debt from XXXX Bank. However, I asked asked both companies via written correspondence ( XXXX XX/XX/XXXX & XX/XX/XXXX ) to provide proof ( validation and verification ) that I owe this dept. All I received was a screen shot of a bill with my name on it. I sent multiple letters to PORTFOLIO RECOVERY ASSOCIATES , LLC and received no resolution. Only received a screen shot of a bill with my name on it. XXXX Bank didn't respond at all. Filed a complaint with the XXXX XXXX XXXX this is currently in process. Complaint in court and was dismissed due to small claims court in Massachusetts not having jurisdiction. However, PORTFOLIO RECOVERY ASSOCIATES , LLC did not show for the court date and was served with notice. Also disputed via XXXX, XXXX, and XXXX and was told debt was valid with no explanation of how it was validated, and I specifically asked for this to be explained. I don't trust any of these methods of validation when I have documented proof of the same thing happening with 2 separate companies and I was told the debt was valid by the reporting agencies and the supposed debt collector couldn't & removed it. This is defamation of character and having a negative impact on my credit and my financial reputation. 
I sent multiple letters to PORTFOLIO RECOVERY ASSOCIATES , LLC and XXXX Bank, receiving no resolution. Only received a screen shot of a bill with my name on it from PORTFOLIO RECOVERY ASSOCIATES , LLC. I Filed a complaint with the XXXX XXXX XXXX this is currently in process. Complaint in court and was dismissed due to small claims court in Massachusetts not having jurisdiction. However, PORTFOLIO RECOVERY ASSOCIATES , LLC did not show for the court date and was served with notice. Also disputed via XXXX, XXXX, and XXXX.
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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
Consumer complaint received 2015-04-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (FL)

I HAD MY WALLET TAKEN FROM ME AND THEY TOOK {$2000.00} OF MY BANK ACCOUNT AND WHEN I CALLED MY BANK TO REPORT IT THEY SAID THEY WOULD TAKE CARE OF IT AND THEY TOLD ME THAT THE BANK CANT NOT LOSE THIS MONEY LIKE IT WAS MY FAULT MY WALLET WAS TAKEN FROM PURSE ALONG WITH ALL MY CREDIT CARDS AND ID. AND MY BANK WELLS FARGO DENIENED MY CLIENT AND NOW I AM OUT {$2000.00} I WANT TO KNOW WHAT PROTECTIONS DO I HAVE AGAINST FRAUD AND HOW CAN MY BANK IN 1 DAY COME TO A DENIAL SO QUICK AND JUST LET ME LOSE THAT MONEY I NEED HELP IN THIS MATTER IT IS NOT FAIR AND I FEEL THAT WELLS FARGO DOES NOT STAND BEHIND THEIR CLIENTS.
Consumer complaint received 2022-05-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (GA)

I have received non-stop harassing calls from this number about debt collection daily, sometime multiple times. This has given me XXXX  with my phone constantly ringing sometimes at the most inconvenient times. Its a burden thats constantly hanging over my head Ive been contacted so much. Every time they call and leave a message I want to cry.
Consumer complaint received 2022-05-26
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. (NY)

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these account be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-12
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 2022-11-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-19
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. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-12
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. (MD)

I have written 3 letters regarding Unverified accounts reporting three times and different amounts and dates. I 'm asking for the CBR 's by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts they post on my credit report to assure maximum accuracy. The failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C SS 1681, unverifiable proof
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 U.S. Code 1666b - Timing of payments I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Accounts XXXX XXXX XXXX a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.