davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

This case is about abusing credit systems and collecting to force consumers ' hands to pay regardless of whether or not they are truly at fault. 

My wife and I moved from XXXX to XXXX in 2019. XXXX claimed we still owed them {$220.00}. They could not provide a statement with the charges, and our account online showed {$0.00} balance when we left them. 

After going back and forth they simply turned the matter over to a collection agency, who then, in turn, reported to Experian to force us to pay while we still did not get a statement of fact. 

We eventually paid the {$220.00} last year to make this go away, but this cost my credit score 60+ points. 

We filed a complaint with Experian but they use their bureaucratic process to justify keeping this on my report. 

This entire process is stacked against us as consumers and is being abused in this specific case by XXXX, the collection agency, and Experian.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have created an account on Transunion website where they are supposed to make a credit report available for free. Despite multiple attempts that included the following I am not able to access my free credit report. Calls to their customer support don't lead to a live agent but endless menus and are terminated with a message stating that a report will be mailed to me. 

1. I complained to Transunion on XXXX that I couldn't access my credit report. 
2. Transunion customer support asked me to use different browsers, clear browser cache etc that didnt work. 
3. Transunion deleted my account and asked me to create a new one. That didnt work I still kept on getting the " we are unable to complete your request online '' error 4. After multiple pleas to Transunion customer support on XXXX they provided XXXX phone number. When I called this it consisted of numerous long sales pitches for their product which I declines. After I got " let me get you someone who can help '' prompt the call jumped again to the main menu.
Consumer complaint received 2021-09-30
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)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person.
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

Starting XX/XX/XXXX, I began receiving emails from a company called Chime. Up to this point, I had never heard of this company before. I found out that it is an online mobile banking service. The emails sent to me were congratulating me on opening a new account with them ( which I NEVER did ). Today ( XX/XX/XXXX ) I received an email informing me that my " Chime Visa Debit Card '' has been sent to me. The address the card was being sent to was XXXX XXXX XXXX XXXX, XXXX, CA XXXX. This is NOT my address. I have emailed the company several times and have not received a satisfactory response yet. Calling them directly is impossible because they are difficult to reach. I am upset that a 'technology based financial business ' would not have a better system for spotting fraud. I have not lost any money but I am very concerned about what that account is being used for especially when it is in my name. I have filed a report with the FTC and plan on filing a report with the local police. I have since placed fraud alerts with all the credit reporting companies.
Consumer complaint received 2021-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (IL)

I am a consumer and I have not received a official response regarding remedy for the matter. I have sent 3 letters to these companies as well. 

The effective date of expiration for the consumers right to rescind the consumer credit transaction thereby midnight on XX/XX/2020. Pursuant to the Truth and Lending Act ( TILA ), 15 U.S.C. Section 1635 ( a ), the consumer, XXXX XXXX, hereby rescind the consumer credit transaction that took place XX/XX/2020 at XXXX XXXX XXXX XXXX in XXXX, MISSOURI and ALLY FINANCIAL INC due to violations including but not limited to, the unlawful failure to give full disclosure required under TILA, FDCPA, as well as violating Regulation Z, 12 C.F.R. 226.5 ( b ), 226.15 ( b ). It is a fact that XXXX XXXX did not participate in a loan. XXXX XXXX participated in a consumer credit transaction thereof, the adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; 15 USC 1602 ( I ). XXXX XXXX XXXX XXXX of XXXX MO, ALLY FINANCIAL INC., and Affiliates committed fraudulent crimes pursuant to TILA, FCRA, AND FDCPA.
Consumer complaint received 2022-05-26
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX and XXXX  Account Number : XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC. (AR)

My cell phone wallet was stolen from my car on XX/XX/XXXX during a walk in the park outing, and several unauthorized charges were attempted, XXXX of which tied up more than {$800.00} of available credit for almost a week, the other for $ XXXXish actually posted. 

Unlike ALL the other banks and credit card companies I had in that wallet, who recognized the fraudulent activity and cancelled the cards- most even before I made it back to my house within the hour - Arvest allowed the charges against my account. I waited on hold for an hour later that evening - as soon as I returned home - to reach an XXXX customer service representative.
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. (MN)

I have 5 unauthorized inquries that need to be removed, I never filed for XXXX  XXXX and the courts say they don't report this to credit bureaus and it should be removed and I have an account that was paid off satisfactorily and never late. I also want to validate 2 accounts I do not recognize, all of these items are detailed in the letter enclosed
Consumer complaint received 2021-09-30
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AK)

This dispute involves my Wells Fargo checking account ( XXXX ) I deposited a {$2100.00} check, using the Wells Fargo Mobile app, on XX/XX/year>. On XX/XX/year>, Wells Fargo withdrew {$2100.00} from my account, because the check was negotiated a second time. I was provided with the information that the second transaction occurred at XXXX on XX/XX/year>, and a copy of the check that was negotiated. 

The check was clearly marked for mobile or remote deposit only, and I do not understand how a third party could access money from a check addressed to me, which had already been deposited. Wells Fargo did not investigate this for me. 

The check was endorsed by me for mobile or remote deposit only. The image of the negotiated check was stamped. XXXX did not honor my endorsement. Therefore, I do not believe that I am liable. 

I have filed a police report with the XXXX XXXX. However, Wells Fargo has refused to provide me with additional information about the time or the physical location that the second fraudulent transaction occurred. I would also like to dispute this with XXXX, but as an individual with very little information, I do not feel like I am well equipped. 

The writer of the original check has contacted his bank ( XXXX XXXX ), and they were very clear that Wells Fargo, and not them, are liable.
Consumer complaint received 2019-11-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (MD)

Comenity Bank the servicer of XXXX XXXX Credit card has been contacting family and associates of mines during the month of XX/XX/2019 and earlier even after they have been told not to on previous occasions. They are violating my privacy and any business matters I have should be with me not anyone else. They are also not complying with the Fair Debt Collection Practices Act as they have released information regarding my debt to non authorized third parties.
Consumer complaint received 2022-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (IL)

I XXXX XXXX sign up with XXXX XXXX XXXX and was told I was paying for the class with a Pell Grant that was free and did not have to pay out of pocket.

I was not able to complete the course because I got sick. Theirfore, I was told by the school the Pell Grant that I was represented to be free that I had to pay because I did not inform their school. 

My mom spoke with the school also and was told they would check into the matter. 

I was informed that the funds from the Pell Grant had to be sent back to the USDE because I did not finish the school for the full course. 

Also, the school referred my account to a collection agency that have called me from different numbers attempting to collect money for XXXX XXXX XXXX  that solicited me that my course was free since my income qualifies me for a Pell Grant that is free that does not have to be paid back.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX and Experian will not allow me to access my free annual  credit  report. Also XXXX is reporting the wrong balance on the report I was able to access from XXXX.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (FL)

I have been trying to dispute the fact that a closed child support case hasn't been removed from my report and is well over 10 years ( closed XX/XX/2009 ). Equifax is refusing to remove it and it is tarnishing my credit making it hard for me to improve my credit and purchase a home. 

ATTACHMENTS : *Letter from child support about closure. Its on the last line where they state case number. It matches up to the Equifax report account. 

*Equifax report ( page 20-21 is the account ) *Dispute results from Equifax
Consumer complaint received 2021-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (ND)

I recently looked back at the life of my student loans with Navient. My complaints are two part : 1. is I let them auto apply my payment, since it would be easy. I discovered that their auto payment process, allocates the majority of my payment to the low interest loans. The high ( 6.8 % ) interest loans were paid {$30.00} a month vs. the low interest ( 2.5 % ) loans of similar amounts had $ XXXX dollars applied to them per month. This equaled a lot more in interest paid each month than there should have been over the last 6-7 years.

2. The second issue is how interest is applied month over month. Many months when larger payments were made, the following month had more interest charged ( as much as $ XXXX more per month in interest ) than the previous month, even though there was less principle to charge interest on. The payments were made ontime every month for the last 7 years. So I don't understand how and why many times interest charges fluctuated by as much as {$50.00}. Over 7 years. {$18000.00} in interest charges were paid out of {$42000.00} paid. With the largest interest rate being 7 %, And many of the loans at 3 % this is ridiculous! That's 50 % interest or an average of 7 % interest per year. Higher than the interest rate on my most expensive loans! And I was paying significant principle payments over those 7 years! I would like a full accounting of where my money went?
Consumer complaint received 2021-09-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

I have been making attempts in getting needed documents for personal reasons on several occasions with Loan Depot. This all started approximately end of XX/XX/XXXX and has been going on for the entire month of XX/XX/XXXX. I have been misinformed and lied to by several customer service representatives and Senior Managers in the resolution department one of which was named XXXX who was extremely rude. I have been hung up on numerous times. On XX/XX/XXXX I put The request in for what they refer to as a free form letter confirming information about my mortgage. I followed up daily with loan depot knowing their history was not strong and was told daily from XX/XX/XXXX through XX/XX/XXXX that the letter was being done and needed to be processed. On XX/XX/XXXX I followed up to check its whereabouts and was told give it another day. I didnt receive anything the following day XX/XX/XXXX and reached back out. When I reached back out I was told it was mailed to me. I then called later that afternoon to request it to be faxed and spoke again to XXXX in the resolution department who was extremely rude and was told the letter did not exist. What she told me contradicts what every other representative told me. She then told me there is nothing to talk about, Im not going there she then against my will transferred me to another department. Loan Depot as a whole has failed to produce all requested documents. Their customer service has been awful and less than satisfactory, they have also falsely reported to credit agencies in the past on my behalf which I had to fight to get resolved. I am looking for assistance in obtaining the necessary documentation I need to move forward with accounts I have with other companies. The information I am requesting they will confirm via phone but are refusing to give supporting documents. Any help is appreciated.
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (MO)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MO)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: American Credit Acceptance, LLC (FL)

In accordance with the fair credit report XXXX XXXX  account XXXX AMERICAN CREDIT ACCEPTANCE LL has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 : it's also state a consumer reporting agency can't furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan has late for any purpose.
Consumer complaint received 2021-10-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (FL)

The company Credit Acceptance is reporting a car loan on my XXXX credit report which does not belong to me. It has already been deleted from XXXX and XXXX XXXX but they insist on reporting it on XXXX. I have never been to the state of Minnesota where the loan was obtained and the car purchased. The Loan is in the amount of {$9300.00}. I even paid for the XXXX report on said car and do not recognize any of the information displayed on it. I have disputed with XXXX as well and they refuse to delete this information. I am not able to close on a house due to this fraudulent information. I have also opened a ID theft case on the government website. Please help!
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-30
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: Experian Information Solutions Inc. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-05-26
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. (CT)

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 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