davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (MN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FC HoldCo LLC (SC)

I did not have a debt with this company. I did not agree for my information to be used for third company information. This is goes against consumer law. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. 
( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. 
( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. 
( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. 
( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency for which the consumer obtained information for resell.
Consumer complaint received 2023-10-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NJ)

I have requested proof of ownership, original signed contract, balance of account and have not received any information. This company continues to tarnish my credit report and harass me with no validity of debt. Debt is not mines.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This letter is sent to formally dispute certain information that has been reported by your agency and to express my concern regarding the lack of verification associated with this information. 

Here are the items that I am talking about : -- -- -TransUnion  XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Experian -- -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RGL Associates, Inc. (GA)

I got sued for a medical debt. It was turned into a collection agency and I was sued for the amount of money. I did make payment arrangements and paid the amount each month as arranged. I noticed that the amount was not being deducted from my account. I reached out to the company several times to try to resolve the issue. The company never responded and sued me again to have my wages garnished.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

This credit card is for dental care which has been completed. The balance on the card was {$1700.00}. I was sent a bill for over {$4600.00} on XX/XX/XXXX. I called Care Credit and made a payment of {$1800.00} on XX/XX/XXXX and they explained that my balance would be XXXX and I would not be charged any additional interest. I've contacted them XXXX times by phone and each time they stated that I would not be charged interest because I paid the entire balance on XX/XX/XXXX. My balance shows that I owe over {$2700.00}!! They are trying to take advantage of me because of my age and never told me about any additional interest. I've been making all the payments each month and have paid the remainder ( which was {$1700.00} ). I paid {$1800.00} on XX/XX/XXXX. They said that would cover the entire remaining balance.
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

I initially applied for XXXX in early XXXX and received notification from Aidvantage that it was approved for {$0.00} payments on XX/XX/XXXX ( see attached approval ). Later, on XX/XX/XXXX, I received notification that my deferment/forbearance would be ending that I did not sign up for. 

I called last week and requested clarity about whether my account is in XXXX or in administrative forbearance. I was told over the phone that my account is in XXXX for {$0.00} payments, but my payment page states that I am in administrative forbearance that ends in 32 days ( see attached loan printout ). The loan officer denied that my account says this and stated that I am enrolled in XXXX. 

Also, when asking about how XXXX plan interest works, I was told that interest is only eliminated on Subsidized loans, not Unsubsidized, so that is why my interest is not being forgiven. However, the federal website states, " The XXXX XXXX eliminates 100 % of remaining monthly interest for both subsidized and unsubsidized loans after you make a scheduled payment. '' https : //studentaid.gov/announcements-events/save-plan Therefore, I was given incorrect information. Then, they started discussing XXXX, which I did not ask about nor do I qualify for. Loan servicers are not trained appropriately to guide us on repayment or even account status. They blatantly give incorrect and unhelpful information. 

I would like my loan servicer to address this issue and return my account immediately to the XXXX plan, as my account is now growing interest that will then not be " eliminated '' with 0 dollar payments.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I am writing to bring to your attention a deeply concerning experience I had with Wells Fargo in regard to a chargeback request. I am hoping that by sharing my experience, it will shed light on the challenges I faced in seeking assistance and protection from my bank after falling victim to a fraudulent company. 

Earlier this year, I made a payment to a company that promised to provide me with a service. However, I never received the service and soon realized that I had been scammed. Taking swift action, I initiated a chargeback with Wells Fargo to recover the funds I had been unlawfully charged. 

Unfortunately, my experience with Wells Fargo took a highly distressing turn. Instead of receiving the support I needed, I found myself caught in a disheartening cycle of delays, misinformation, and lack of communication. For nearly two months, I attempted to navigate their customer service channels, reaching out through calls and written correspondence to resolve the matter.

Regrettably, my efforts were met with a series of frustrating tactics that seemed designed to hinder my progress rather than provide assistance. Key aspects of my ordeal included : Delay Tactics : Wells Fargo consistently sent me update letters later than expected, which caused further confusion and frustration. This delay in information meant that I was kept in the dark about the progress of my case and had to repeatedly inquire about its status. 

Ignored Calls : My attempts to communicate with Wells Fargo via phone were largely ignored or met with prolonged wait times. This left me feeling unheard and unsupported as I sought to address the issue. 

Lack of Transparency : The lack of transparency regarding the steps being taken to investigate my chargeback request only deepened my sense of helplessness. I was left to speculate about the progress and actions being taken by the bank. 

I strongly believe that these tactics were employed intentionally, preventing me from securing the refund that I am rightfully owed as a customer. It is disheartening to realize that a bank, which I trusted to protect my interests, seemed to prioritize delaying and obfuscating rather than ensuring my financial security. 

I am hopeful that by sharing my experience, I can contribute to greater awareness about the challenges consumers face when seeking assistance with chargeback claims. I am reaching out to your agency to request a thorough investigation into my case and the handling of chargeback requests by Wells Fargo. My intention is to ensure that other customers do not have to undergo a similar ordeal and to hold Wells Fargo accountable for its actions. 

Thank you for your time and attention to this matter. I look forward to your prompt response and action. 

Regards, XXXX XXXX
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (GA)

My car loan is with US. Auto Sales, who has transferred my loan to Westlake portfolio management. however, before the loan. US. Auto has been double charging me for payments, and additional fees along with charging me for collateral protection, for almost 2 years. when I explain to them that I have insurance, and sent proof as well. I never received any of my money back. I was sent a letter stating that they were looking into this matter, then next thing I know. I start seeing letters from another company stating that they've taking over for US. Auto Sales, and all payments should be made to them.
Consumer complaint received 2023-08-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (TX)

I applied for a mortgage loan with XXXX XXXX who works for Fairway independent mortgage corporation in late XXXX. He assured me my loan was in good standards while my house was being built. XXXX ran 4 hard inquires on my credit and I also paid {$2600.00} down towards my earnest. Within 3 weeks of closing, I reached out to XXXX about my loan process and he stated that he will start working on it. XXXX negligently lied to me that my loan was being processed for 3 months when he actually didnt actually start processing it until 3 weeks before closing. XXXX then tells me that since he didnt lock in my loan rate of XXXX in XXXX my new interest rate would be XXXX which significantly increased my monthly mortgage rate. He also told me I needed to have an additional $ XXXX in 3 weeks to go towards my down payment at the time of closing. His negligence ruined my life! I changed my whole life around the lies XXXX told me about my loan. I enrolled my son into the elementary school zoned to the new home and I also changed my youngest sons daycare facility as well. XXXX told me it would be okay to put in my 60 day notice at my current residence and now my children and I have no where to live due to XXXX negligence. XXXX homes also refuses to refund my earnest money of {$2600.00} since I no longer can have the home. This entire process has caused me so much stress and tears.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (FL)

On or around XXXX to XXXX I saw a lot of pre-approvals on Credit Karma at first I didn't pay it no attention but credit karma kept sending me all sorts of different pre-approvals telling me that I was pre approved for credit cards, personal loans and that I can refinance my car, everyday I would see these offers every time I logged in to check my credit scores. So after a few months of being told that I was pre approved I thought I was now in the perfect place to apply I got so many offers through credit karma, I started telling my family about vacations and investments we was going to use these pre approvals for. So I applied on or around sometime in XXXX and I got denied for 3 credit cards and a personal loan I was distraught and was angry and I felt deceived I was marketed for months, credit karma told me I was pre approved This was a lie, I was severely stressed out, XXXX  for weeks I had headaches so bad I became antisocial my XXXX  went from XXXX to XXXX XXXX, now Everytime I see pre approvals I immediately close my phone. This has made me so uneasy and XXXX  that I haven't checked my credit as frequently as I should.
Consumer complaint received 2023-08-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

Navient has publicly humiliated by contacting my son, my husband, my husbands adult children and their spouses to discuss my loan by stating they are trying to reach me and havent been able to reach me. The harassment has lead me to consider filing a law suit due to violation of my privacy among other reasons. They have received payments and increased harassing phone calls. I have sent a request for compromised payoff and would like them to respond. Unable to send copy of letter due to filing complaint on my phone while Im out of town and my husbands family is receiving calls from Navient.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Berman & Rabin, P.A. (AL)

We are filing a complaint against XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX, and its management as we believe they are profiling us, discriminating against us, falsely accusing us of damaging the apartment, and attempting to extort money from us by billing us for paint and professional cleaning fees and then sending us to collection to top it all. They are trying to extort {$850.00} from us after we moved. 

I just learned they sent us to a collection/attorney office Berman and Rabin : Address : XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX KS XXXX XXXX : ( XXXX ) XXXX I sent several emails to them asking them to show me proof of the damage they were claiming and they never would. I asked them if they ever walked the apartment with us to identify with us what damages they were charging us for. They sent me pictures of the apartment before we moved in. In other words, they expect us to pay them rent for 2 years and pay them to get the apartment ready for a new renter.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

According to law 15 usc 1692j section 807. I'm requesting you to validate debt. With my signature, contract date and my social security on file. If, not please delete from my credit report.
Consumer complaint received 2020-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc. (WA)

This company reported a debt they claim I owe to the credit bureau. Never mailed me anything to allow me to do my due diligence. They called me by phone a few days ago. I didnt know what they were referring to and asked for proof instead I wake up with it on my credit. They are I. Violation of the fdcpa.
Consumer complaint received 2023-08-23
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: AMERICAN EXPRESS COMPANY (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentialitv under 15 USC 1681. 
Reached out to XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : American Express. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctlv 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 writen astrucions 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 agenc if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also tried getting in contact numerous times, they aren't even in compliance with XXXX XXXX credit reporting either. I have evidence to prove my case.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. 
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 XXXX
Consumer complaint received 2023-02-10
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. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-02-09
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. (FL)

It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose to anyone to publish these accounts. 

I am holding them liable under 15 usc 1681n and 1681o for actual, statutory, punitive damages. 

I have remained humbled despite the stress, XXXX, and harm thee three credit reporting agencies have done to me. 

I want this account deleted immediately!
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Per the investigation by CFPB, the lender indicated that there was no record of my account, so please delete XXXX XXXX from all three of my credit bureaus. My credit score plunged XXXX points due to this error. Please help me... .the previous complaint number is : XXXX.