davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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. (PR)

They deleted these accounts and reinserted them without notifying me, which is a violation of the law they have to notify me 5 days in advance. these accounts were opened fraudulently and are on an identity theft report, the accounts are XXXX Bank # XXXX, XXXX XXXX XXXX CO # XXXX, and XXXX  # XXXX The 3 accounts do not belong to me.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANCO POPULAR DE PUERTO RICO (PR)

Hi worked fot XXXX XXXX  XXXX XXXX XXXX and I had a Retirement Plan ( XXXX ) with this company. I received the Quater Statement when it shows the distribute the money I had, which I dont request. I call the customer service of XXXX XXXX XXXX, and they told me the servicer in XXXX XXXX of the XXXX its Banco Popular XXXX XXXX XXXX. That day I call they to request information, and they told me they send me a check on XXXX by mail, check that I never received. That same day I request the stop payment and the process to get my funds direct deposit on my Banco Popular account. They told me this process could take maximum 10 business days, which has been passed. I called once again to customer service and they told me, the " XXXX '' its working with other matters and they will start sending the funds a month after my request.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (CA)

The company ( Nelnet ) claims that they contacted me about a debt I did not know I had. When I had last checked my page in XX/XX/year>, there was a form to fill out to request Federal Student Loan Forgiveness. After filling out the form, my balance due went to {$0.00} pending the application. 

In XX/XX/year>, I looked and my credit score had dropped XXXX points, saying I had a delinquent account with Nelnet. I immediately checked and paid the balance. I then called to let them know I had never been contacted about the debt before seeing the mark on the credit score. I asked them to remove the negative credit mark and they refused. The said they had sent emails regarding the debt ( not true ) and called me which I was able to disprove with my XXXX call history. No missed calls or voicemails. 

Still in spite of this information that I was not contacted about the debt, they refused to remove the negative credit mark. I filed a dispute with XXXX, who did not alter the score based on their investigation and did not give any explanation.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In my previous complaints, 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 XXXX '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 .... Balance : - XXXX XXXX XXXX. Balance : - XXXX XXXX XXXX  XXXX .... Balance : - US BKPT CT CA XXXX XXXX Identification number XXXX XXXX filed XX/XX/XXXX Status XXXX  XXXX bankruptcy discharged.
Consumer complaint received 2023-03-21
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. (CA)

XXXX XXXX XXXX ( XXXX XXXX ) mistakenly placed a 30 day late payment on my account. XXXX XXXX fixed the mistake two weeks later XX/XX/XXXX. My credit report was negatively affected by XXXX points. The issue has been disputed with XXXX XXXXhree times and nothing has changed. XXXX XXXX XXXX has done everything they can do on their end.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2020 I called XXXX about the two paid collection accounts I have on my credit report. They told me they didn't have those two accounts in their data base and it shouldn'r be reporting. All three credit bureaus are reporting the {$230.00} paid account as collection/charge off. XXXX  and Experian are reporting the {$83.00} paid account as collection/charge off. I have sent all three credit bureaus a method of verification letter on XX/XX/2020 and they have failed to respond back.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX As part of the purchase process additional services were offered by XXXX XXXX, XXXX XXXXXXXX. Specifically, Guidepoint XXXX tracking for {$300.00}. This amount is included prorated in the monthly payment for the car. Due to the car was purchased on Saturday XXXX after completing the paperwork process, I was told to bring the car during the week to install the XXXX My son, XXXX XXXX took the car on Wednesday XX/XX/XXXX and the XXXX  was installed, however the app did not work. On XX/XX/XXXX I called XXXX customer service phone number to seek guidance on how to activate the product. The representative tried to guide me thought the process of installing the application, however, did not work and direct my issue to XXXX. I called the XXXX XXXXXXXX, and he suggested that I go to his office to figure out the app issue. Then on XX/XX/XXXX, I returned to the XXXX XXXX office with my son to delete my access from the app  and give him access to the app to track the vehicle. During this meeting the XXXX XXXX gave my son access to the app and told us to wait around a day or XXXX for the app to be updated. I gave a week for the gadget to be properly installed to the app, but it never works. 
Then on XX/XX/XXXX I called XXXX XXXX, and he suggested changing the gadget for a new one. The next day, XX/XX/XXXX, my son took the car to the dealer and was in the service department for an hour and a half approximately and a new gadget was installed, XXXX XXXX work with the app and suggested that we should wait around a day or XXXX for the app to be updated. On XX/XX/XXXX, my son send a screenshot of the app to XXXX XXXX cellphone showing the location of the car on the coast of XXXX, XXXX and XXXX XXXX reply he sends the signal and soon received a text message. That text message never arrived. On Friday, XX/XX/XXXX I called XXXX Customer Service phone number XXXX and spoke to customer service-related relations team. The representative took notes of the issue and indicated that the situation will be escalated to the XXXX, and I would receive a phone call on Monday XX/XX/XXXX regarding this issue. Until now a phone call has not been received. On XX/XX/XXXX my son send a text message to XXXX XXXX phone indicating that the car was still showing location in XXXX. XXXX XXXX reply was that he was attending a personal issue, and he would check back Tuesday XX/XX/XXXX, however, there has been no response has either from XXXX Customer Service or XXXX XXXX regarding this issue.
Consumer complaint received 2023-01-02
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. (PR)

XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-16
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. (GA)

On XX/XX/2023 I send in disputes letters to XXXX, XXXX, and Exquifax. It is XX/XX/2023 I still have not heard anything from the credit companies and it been over 30 days. I also send a 30 day demand letter.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Stellantis Financial Services US Corp. (CA)

unauthorized inquiry for an auto loan. I had a preapprove letter and the XXXX XXXX salesman was to tell me what my monthly payments would be. When he did, I told him now that payments would be too high, and I left. I did not authorize him to do a credit run. All of a sudden after I left, I started getting true id texts. there were XXXX Hard inquiries. that's not fair. I did go to a different XXXX place in XXXX XXXX, and I did buy a car there and decided to use a credit union XXXX XXXX. My credit report was run but it had XXXX XXXX inquiries. I can understand maybe XXXX hard inquiries but not XXXX.
Consumer complaint received 2024-04-24
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: DISCOVER BANK (MO)

XX/XX/XXXX of this year will make it 12 whole months that I've been trying to resolve this inaccurate reporting account. No responses. No investigation to my knowledge. The creditor and the bureaus have been ignoring me for months. I dispute faithfully at the beginning of every month, and still no results. I need this falsely reported account removed from my credit report immediately.
Consumer complaint received 2023-01-02
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. (PR)

XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-02
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. (PR)

XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identify theft. There are 3 items on my credit report from cell phone carries XXXX, XXXX and XXXX. I think it may be someone in my household and I would like a block on my social security number and from new accounts being open in my name.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I contacted XXXX and Equifax about removing these items off my report her inquiries that I have not authorize have no permissible use and have no relationships away I sent it all documents they asked me for they still have failed to remove the items off my credit
Consumer complaint received 2023-03-16
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. (IL)

Accounts has been fraudulent opened in my name without my consent, I have addressed this issue with the credit bureaus and I have not been able to successfully get them removed from my credit report as I've been in contact with them numerous of times. Further actions will bring suit if these accounts are not resolved and removed from my credit report. I have attached a copy of my police report and FTC identey theft report of the accounts that I am arguing. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NC)

I submitted payment on XXXX XXXX credit card payment app, on XX/XX/XXXX, the app said it would post XX/XX/XXXX, they posted it XX/XX/XXXX and charged me a late fee. This does not seem like fair business practices
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.
Consumer complaint received 2023-03-16
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Consumer complaint received 2023-03-16
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX IL 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  Balance : {$760.00}.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

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

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

in accordance to the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 sec 602 states ; i have the right to privacy, 15 usc 1681 sec 604a sec 2 ; states consumer reporting agency can not furnish account without my instruction, sec15 usc 1666b states ; creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: REGIONS FINANCIAL CORPORATION (TN)

I submitted a Balance transfer on XX/XX/22 and it was over 2 weeks before I received a response. Regions shared with me the balance transfer was cancelled. The agent entered the wrong information and I asked if the balance transfer could still be accepted since the 0 % interest promotion had already expired on XXXX/XXXX/22. The agent XXXX said she would request the promotion be reactivated and to call back in 3 business days ... after the 4th business day there still was no answer for my request # XXXX will submit request to research to have promo code XXXX Ticket Number XXXX and I was told to call back every day to check the status. However, I received notification that the balance transfer was processed however at the 24.99 % interest rate, so I called XXXX  XXXX XXXX again and spoke with XXXX, and she confirmed it was a 24.99 % rate, and this was not the agreement for the {$550.00} balance transfer, so XXXX put in another Request to the XXXX XXXX to adjust the {$550.00} balance transfer to be at the promotional rate of 0 % ... I also have the mailer indicating this promotion. 

Regions is known for false advertising and making customers jump thru hoops to get an answer and I am tired of Regions so please help
Consumer complaint received 2020-09-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CO)

hello, Coinbase company locked my account with XXXX $ value money ( not cryptocurrency ) a week ago and I cant acces that money. However, I van log in into account but cant do anything.

I want to transfer the money to my bank account.

I tried all steps to recover account but didnt work.

I know about similar cases and people stayed without money.

I would need you help since I read about you helped someone before.. 
Thank you sincerely XXXX XXXX