davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-18
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: OneMain Finance Corporation (NC)

ONEMAIN admitted they benefited from my credit card, which damaged my consumer report, and I received nothing. Pursuant to 15 USC 1681n Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. My credit card, which is, any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit pursuant to 15 USC 1602 ( l ). A deletion is admission. It shouldnt have been on my consumer report in the first place. I didnt give my consent for that. Again, I am seeking monetary relief pursuant to civil liability for willful noncompliance 15 USC 1681n.
Consumer complaint received 2021-09-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CARS Acquisition, LLC (TX)

Im a couple mth behind due to XXXX laid off and me being XXXX I got the boot first because I made less hours already plus I was getting surgery done so they thought it was best. Shortly after surgery my roof at the star club apartments collapse on me and my wife send me into a deeper recovery. After coming out of recovery I was asking for a little more time to make it up I promise I could have and still can just with a little more time before selling my car today Im pawning and losing a lot just to keep my car and just need a little more time its XXXX I owe but they only gave me a week after recovery to come up with it witch sends me into a panic and then XXXX Im XXXX and need the car to get to my doctors appointments and my daughters ima single parent now and coming back from recovery this isnt wat I wanted this is all I truly have since all the roofing collapse on are stuff and ruined to where we are suing the apartments because we try to tell them but nothing got back to us now Im losing the only thing that helps me get around to make money to just for the car not only that but most of my belongings are in there my clothes my shoes my daughters stuff plus my wifes wedding rings and if they cant give me my car or time to pay then I would like my valuables but much more meaning to my XXXX yr old daughter she hasnt had her bear for so long and her crying still hasnt stopped from the time of sleep till morning all Im asking for is time or my families stuff Ive been having seizures back and forth on this I just need it to end plz help me ASAP today if possible My car is already reposed and in there words would be in storage for long Im stressing this out to the point where my XXXX are coming back uncontrollable due to losing so much already.
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I've been trying to submit my information to XXXX, Equifax and XXXX  and have not been able to get them to properly update my file according to federal law.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7.  Company Name : XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-04-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thunderbird Collection Specialists, Inc. (AZ)

This medical bill should not fall under my debt because I had my deductible met and out of pocket met at 100 % prior to the service date ( XX/XX/17 ) and the hospital allowed a XXXX into my XXXX  delivery without my consent and/or confirming he was in my network first. I have tried communicating with the debt collector and they were very abrasive and hostile towards me when I was trying to settle the debt. They have sent it into collections under both mine and my husbands name and have added over {$200.00} to the initial charge and wont give me a complete breakdown of what all of the charges are even for.
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/2020, I was scammed on XXXX by a woman named XXXX XXXX, she claimed to help trade with bitcoin and get a large return. I was willing to invest {$500.00} only and let that be known many times. I was told you only pay what you invest, I have all our conversations saved on whats app. After finally setting up initial investment, 7 days went by and I earned a profit of XXXX now when she asks me for money to by the stamp. This made no sense to me so I reached out to another lady on XXXX who claimed to have traded with her in the passed. She told me this was normal. I wire transferred {$1000.00} to an acct in New York. After this I was told now I need to pay the Commission upfront, I explained this was not the arrangement and I cant do it. Told her she was not upfront with me, she then agreed and said she talked to company and they agreed to lessen Commission to {$1000.00}. So I regretfully sent another {$1000.00} same acct. Both XX/XX/2020. Now time to get my profit, was asked what phone I have iphone of well you need an android so go get one and contact me back. I then contacted my bank Wells Fargo to submit fraud claim. I was told I would hear something within 2 weeks. Nothing! I called in XXXX over a XXXX, the lady could find the claim but told me nothing was updated looks like still waiting on community bank in New York. She would refile and get more info and contact me back. I heard nothing, called back end of XXXX and got the same run around. XXXX same finally XXXX get a manager he tells me the reason I hadn't heard anything from XXXX till I called in XXXX cause the claim wasn't started till XXXX, I was fuming mad. Then was transferred again, had to explain same story over and over to different people. My bank wasted months Doing nothing just to finally tell me that the bank in New York says the acct has no funds. My Money was lost nothing they could do. Wells Fargo dropped the ball big time. Each time I called it was like the first time I called giving the fraud company/ people plenty of time to empty acct. please help me. I lost {$2000.00} and {$60.00} in transfer fees. Bank took from XXXX to mid XXXX to do anything.
Consumer complaint received 2021-09-18
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: SECURITY FINANCE CORP (MO)

I have disputed on numerous occasions factual inaccuracies across all of my credit reports with this company that should have resulted in the account being deleted. In direct violation of Federal law, the company keeps updating the factually disputed inaccuracies when they should have deleted the account.
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IN)

I have a business checking and personal checking with the bank. The bank has been and is still today requesting me to pay overdraft charges that have been excessive since account opening. I recently noticed I have already set up push notifications, sms notifications and email notification alerts to notify me that once my account goes under {$0.00} I am to be notified but nothing happens. I have brought this to the banks attention already. My balance is never {$0.00} so I should be receiving alerts when it drops below {$0.00}. I have paid roughly {$300.00} or more in overdraft fees due to me not being notified in a timely manner by the system since account opening. I recently spoken with the bank and they shared with me that they see the alerts set up but there is some kind of system error. They cant see nor control when the emails are sent but the push notifications they can see and should already be happening but they arent. As well the sms notifications are on but they arent sending alerts neither. Due to this reason I am paying fees that is not my fault because had I been notified the funds would be made available immediately thereafter and cover my transactions in time to avoid overdraft fees or any fees occurred due to not being notified. The bank gives until XXXX to make a deposit to avoid any fees once the account goes to a negative balance. Due to this the bank have caused damage to my finances. This bank has gotten over on me long enough and I refuse to keep allowing this to happen.
Consumer complaint received 2021-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

Southwest Collection Service Inc sent me a notice ( dated XX/XX/XXXX ) in attempt to collect a debt that is not associated with myself. The amount of the debt is {$170.00} ( {$54.00} of this amount is interest ). The notice describes ambulance services provided to someone else on XX/XX/XXXX that Southwest says was not covered by medical insurance. The person who received ambulance service has an Explanation of Benefits ( from his secondary insurer XXXX XXXX XXXX ) which clearly states patient owes {$0.00}. The patients primary insurance also paid this debt three times over. Finally, Im not the person who received ambulance services, and this collection company can not legally hold me accountable for this debt, for which the amount owed is {$0.00}.
Consumer complaint received 2023-06-15
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. (NC)

There is information appearing on my consumer report that I did not provide written permission or instructions to be reported or furnished on my consumer report. I am requesting that the reporting of this information be blocked and deleted immediately. My request to block is not being made in error, and my request to block is not being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. These identified transactions are not information related to any transaction by me, as the consumer. The reporting of this information is legally defined as identity theft. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX ________________________________________ XXXX XXXX XXXX XXXX {$1100.00} - XXXX ________________________________________ XXXX XXXX XXXX XXXX {$870.00} - XXXX ________________________________________ XXXX XXXX XXXX XXXX {$630.00} - XXXX ________________________________________ XXXX XXXX XXXX {$150.00}
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the Experian and XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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 2020-04-22
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. (CO)

Equifax and XXXX are reporting incorrectly that I a ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-18
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: EQUIFAX, INC. (NJ)

I'VE FILED A DISPUTE AND IT HAS TAKEN MORE THAN 3 MONTHS FOR THEM TO RESPOND OR GIVE ME ANY INVESTIGATION RESULTS!!!
Consumer complaint received 2023-02-02
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. (MI)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2021-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am furious that this company has not notified me of an investigation and it has been more than 60 days since I asked them to initiate an investigation. Under the FCRA, this company must investigate any inaccurate items on my report within 30 days receipt of the letters I sent them. If they are unable to than they must remove the items in question from my consumer report! 

1. Under 15 USC 1681 ( a ) 4 you are in violation of my right to privacy and information that is on my credit report that I deem PRIVATE is a violation and must be removed. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Please investigate that this account is reporting 100 % accurate. This Charge-Off Account is showing a Late Payment Status. That is a FCRA violation. This account is Innacurate and must be removed XXXX Account NumbeXXXX : XXXX Please remove this inaccurate information from my credit report. 
3. Please investigate that this account is reporting 100 % accurate. I notice many errors which is a FCRA violation. This account is unverifiable and inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. You are in violation of 15 U.S code 1681a ( 3 ) Any medical bill or personal information that involves anything medically related is a violation. This is against my HIPPA rights XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Please investigate that this account is reporting 100 % accurate. This Account 's date of Last Activity is not 100 % accurate across each Credit Reporting Agency. That is a FCRA violation, and this account must be removed. 
11 XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. You are in violation of 15 U.S code 1681a ( 3 ) Any medical bill or personal information that involves anything medically related is a violation. This is against my HIPPA rights XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. You are in violation of 15 U.S code 1681a ( 3 ) Any medical bill or personal information that involves anything medically related is a violation. This is against my HIPPA rights XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. You are in violation of 15 U.S code 1681a ( 3 ) Any medical bill or personal information that involves anything medically related is a violation. This is against my HIPPA rights XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. You are in violation of 15 U.S code 1681a ( 3 ) Any medical bill or personal information that involves anything medically related is a violation. This is against my HIPPA rights XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.