davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (WI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (VA)

On the day I received my Social security XXXX check I had a negative balance due to fraudulent charges with Comerica bank/direct express. I immediately filed disputes for over {$1200.00} dollars. After almost three weeks nothing is resolved and I have not even received a provisional credit which is my legal right to receive in 10 days from the date of dispute
Consumer complaint received 2023-01-14
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. (TX)

I have been disputing the same items for almost XXXX YEAR NOW! I have sent in all required documentation and filed police reports and identity theft reports but the credit bureau EXPERIAN refuses to honor any of the requests. I noticed my identity had been stolen at the beginning of XXXX. I am disputing accounts and the disputes are only taking XXXX to XXXX days to come back as XXXX! How can the disputes be properly investigated after only XXXX days of filing? Another concern of mine is the fact that Experian is not acknowledging a Federal Document. These accounts violate my privacy rights according to USC 1581 OF THE FAIR CREDIT REPORTING ACT. EXPERIAN has consistently violated my right to privacy over the past year. I have documentation showing i have sent experian correspondence about some accounts that i thought to be fraud or not mine and according to the following : 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 ALSO, Experian has received my complaints from the cfpb and has also declined to acknowledge that also by working in a timely process to get accounts removed from report. I also have asked the credit bureau EXPERIAN NOT to furnish data on accounts that i believe to be fraud, my privacy rights sre being violated according to : 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 I have never gave EXPERIAN or the furnishers of these accounts PERMISSION WRITTEN NOR VERBAL OR EXPLOIT MY PERSONAL DATA. XXXX of these accounts are internet loans, meaning they were obtained online only and is hardly any way to contact customer service but thru email, so it is NO WAY EXPERIAN VERIFIED THOSE ACCOUNTS ACCURATE!! EXPERIAN can not go off of here say, they MUST go thru proper procedures when verifying debt. These accounts have random addresses, phone numbers and jobs i never had!! These debts are fraudulently being verified by experian Accounts XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: National Credit Systems,Inc. (GA)

I resided at an Apartment unit for 2 years with no late payments nor issues. I was not present for the move out inspections and now the apartment sent the calm stating that there were stains on the carpet. I was then notified by National Credit Systems , Inc. by phone calls and letters stating that if I do not pay {$800.00} for the carpet stains that they will Garnish my wages or Seize and Auction my personal property. 
I requested proof and I was sent Black and White pictures that I ca n't see any stains.
Consumer complaint received 2015-05-14
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (IN)

The interest was XXXX apr. and would get paid down to around XXXX they would reloan and back to the full loan value which was XXXX plus their interest. We ended up paying it off the loan value paid was around XXXX. Which started out yo be XXXX. Was notified that the place could n't loan in the state of In. not for more than XXXX. Cashcall is the name of bussiness calling to try to collect money back. Then it went into XXXX, Then it went into XXXX XXXX then we got in with XXXX XXXX and made payment arrangements to pay it off thru them. It 's paid in full but XXXX say 's they need their money. What step can we do to get our money back. Thanks XXXX XXXX e-mail me with the answer or call XXXX and talk to XXXX XXXX which handles my finances.
Consumer complaint received 2023-01-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I obtained my credit report, on XX/XX/2022 I and asked the credit bureaus to check and make sure everything was accurate according to 15 USC 1681i I waited 30 days and received nothing for response from the consumer reporting agencies, Which is a violation, Transunion, XXXX, XXXX. 
They did not remove anything. 
Also XXXX keeps modifying my dispute date which is a violation of my rights as well. 
This is negatively impacting to pursue buying a safe home for my family.
Consumer complaint received 2023-01-14
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : {$230.00}
Consumer complaint received 2023-01-14
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-01-14
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. (TX)

I reviewed my Consumer Reports and noticed that I had late payments and misleading accounts on my report, I was never late and fix some accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts, and update the erroneous accounts also : 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 2023-01-14
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: EQUIFAX, INC. (TX)

I reviewed my Consumer Reports and noticed that I had late payments and misleading accounts on my report, I was never late and fix some accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts, and update the erroneous accounts also : 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 2023-05-08
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: Experian Information Solutions Inc. (NV)

I have wrong, missing fraud etc. information on my credit reports. I have disputed this for 3 plus years, I again contacted each bureau and tried to resolve. they have violated my rights under 15 USC 1681. they have caused me harm, jobs, loss of credit, mortgages and loans etc. 
I have repeatedly tried to get the information removed and they just turn it over to someone else for me to contact. 
I did not give then permission to use or sell my information. 
i did not give them permission to use this negative credit against me. 
I have shown them this was not me my name is XXXX not XXXX. they still will not remove these 5 accounts from my file
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC (GA)

I purchased a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX here on XXXX. The loan was initiated for XXXX minus a down payment of XXXX dollars. The loan carried XXXX XXXX XXXX XXXX XXXX XXXX 
The first payment is due XXXX. Somehow in this short time at a little over XXXX XXXX a day interest, my payoff balance is almost XXXX XXXX Further research into this companies practices has revealed numerous complaints ranging from holding payments until after the due date to exorbitant balloon payments and extra fees to not providing titles upon payoff. 
I initiated the process to refinance with my credit union ( XXXX ) two weeks ago. It was approved and the check was sent to Westlake financial ( per XXXX  ). XXXX states that the check has been sent but that Westlake has not cashed it. 
I have called Westlake financial multiple times over this week to inquire about this. I have been hung up on twice and when I was able to make contact I was not given any answer but to wait. 
As I wait, the balance continues to grow. This company has proven itself predatory and reckless in their money lending practices and I am amazed that they are still carrying a license to lend at all. However, I can only speak to my own experience with them. I have paid off this car by proxy with XXXX. Westlake Financial 's excessive fees and refusal to honor this payment in a timely manner can only be assumed to be a money-grabbing practice and constitutes wire fraud and theft.
Consumer complaint received 2018-06-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (LA)

On XX/XX/2018, a written request was sent to them to stop all ACH debits from my bank account. Since then, theyve continued to deduct six more times, {$36.00} each, totaling {$210.00}, as today. This doesnt include NSF fees I have incurred due to them deducting money from my account.
Consumer complaint received 2023-01-14
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: EQUIFAX, INC. (VA)

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.C 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : 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 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX is NEGATIVELY REPORTING THAT I OWE A DEBT on my credit report that I knew nothing about I reached out to the company several times and have sent letters when I found out about the Debt and was never contacted back. Also the company is Inaccurately reporting the Debt on my credit Report, ( The date Last Active is Incorrect/inaccurate ) ( The date last Reported is incorrect/inaccurate ) ( The date opened is incorrect/inaccurate ) Therefore this Debt Should be Deleted immediately, it is negatively affecting My Mental Health my ability to build Credit and my ability to get credit I have been dealing with these for several years and now I'm ready to seek litigation. I would like this debt deleted immediately. According to : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Thank You.
Consumer complaint received 2023-01-14
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: CLGF Holdco 1, LLC (SC)

In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681section 604 a section 2 also states a consumer reporting agency can not furnish account without my written instructions. Under 15 USCS 166b, a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

XXXX XXXX is attempting to collect a debt for a apartment application i did not sign or authorize. I contacted XXXX XXXX in regards to this matter and make them aware this is a case of Identity theft and I never applied for this application via M BY XXXX XXXX.
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (FL)

I submitted a loan application & was initially given a pre-approval from XXXX XXXX. After that he stopped responding to calls & texts. I then contacted XXXX XXXX by phone & left several messages for him with no response. I emailed XXXX XXXX asking to return my documents which includes tax returns, bank account numbers, my address, my social security number, date of birth, & other personal info that would allow me to become a victim of ID theft. To date no one has returned my calls or messages. At this point I simply want my documents back so I can safely store them.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc. (TX)

I requested Innovis freeze my file and stop collecting or providing previously compiled information about me. I included a copy of my ID, SS card ( redacted to show only the last four digits ), and proof of address in my letter. However, I provided my FULL social security number in the written request. Rather than process it, I received an email asking me for information already provided. This is unacceptable, and I consider it a stall tactic!!
Consumer complaint received 2022-10-04
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. (OH)

n accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX  acct # XXXX, Ohio XXXX acct # XXXX, OH XXXX acct # XXXX, XXXX XXXX XXXX, Ohio XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, Ohio XXXX XXXX acct # XXXXXXXX XXXX XXXX 's acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX  acct # XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

I opened a credit card with XXXX, serviced by Wells Fargo in XXXX of 2022. I am trans, and they opened the account with the wrong legal name, address, and phone number, without confirming my identity, which is a XXXX violation. I noticed the discrepancy at the end of the month, and attempted to contact Wells Fargo to correct the issue. After a 3 hour phone call, I was informed that I would have to provide additional information so they could verify that I exist, and provide them with my ID. On XX/XX/XXXX, I went to a local branch in XXXX, and provided my ID card, and answered their questions, and was told that the situation was addressed and that my name had been changed. On XX/XX/XXXX, I was provided an email that they considered this to be fraud, and had closed my account because I was trans. This is discrimination under the basis of XXXX, per XXXX XXXX XXXX XXXX, which is a violation of Reg B. I attempted to gain additional information about this, and was told to talk to the credit bureaus who had no information as to why I had my account closed. I now have a late payment on my rental payment, due to this, as well as a hit to my credit report as opening a new card impacts my credit score.
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX