davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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. (SC)

Theres fraudulent accounts thats reporting to my Equifax and XXXX XXXX credit reports. Ive contacted these credit bureaus by mail and by phone letting them know about These accounts and went through the proper procedure. I did everything they asked me to do and they refused to remove these items off of my credit report. Ive mailed them every thing they asked me for.
Consumer complaint received 2020-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo bank allowed XXXX $ of UNAUTHORIZED CHARGES OUT OF MY ACCOUNT AND THEY REFUSE TO RETURN MY MONEY TO MY ACCOUNT! I CONTINUED TO SUPPLY DOCUMENTATION MULTIPLE TIMES AND ITS EXCUSE AFTER EXCUSE TRYING TO BLAME EVERYONE BUT THEMSELVES! IM SO TIRED OFBANKS THINKING THEY ARE EXEMPT FROM RULES AND REGULATIONS! WHEN ARE YOU GOING TO MAKE THESE COMPANIES ACCOUNTABLE FOR THEIR SHADEY ILLEGAL BEHAVIOR! I WANT MY MONEY BACK ASAP! XXXX XXXX XXXX XXXX DOLLARS IS ALOT OFMONEY! It has been over 6 MONTHS NOW AND THEY JUST KEEP PASSINGTHE ISSUE AROUND TO MULTIPLE ENDLESS PEOPLE AND OFFICES WITHIN WELLSFARGO BANK IN XXXX XXXX FLORIDA ON XXXX XXXX! please DO SOMETHING
Consumer complaint received 2023-02-19
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC (GA)

I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX. In less than 6 months, the vehicle began having issues with the AC and I had to spend money to have the vehicle repaired which caused me to fall behind in payments. I also needed to purchase a battery which was reimbursed for by the car copy. I explained to Global lending Services the situation with the repairs and was told that I basically had no choice but to pay. I offered to have the late payments out on the back end of the loan, they refused because it was less than 6 months. They came and repossessed the vehicle and there is a XXXX balance I told them that this is a wash because I was sold a vehicle that clearly did not get fully inspected or repairs and the " warranty '' I got from them included in my purchase was suppose to cover things like this but didn't. I was also told during the contract signing it would be covered but it is not. Additionally I was supposed to have GAP coverage but it was not added. I was lied too through this entires process.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MUSA Holdings, LLC (TX)

Bad business practices- I made several complaints directly over the past two years with correcting the payment amount, name change after speaking with manager ( s ) directly ; XXXX  legal documents, new ID card, copy of SSN card, emailed and faxed docs. And, the results are always none of the information was received. The very reason I chose to get away from this company MUSA/XXXX  , The vehicle was PAID IN FULL in XX/XX/XXXX ; XXXX. This company refuses to report the correct information for the payoff. Instead it totally deleted the account from the report, like before in correcting the monthly payment, which was incorrect. Ive called the company many times on this issue ; to reflect the correct balance of the est. $ XXXX + instead of a diff amount of $ XXXX. I called the credit bureaus, it shows there is no record of the company ; business started in XX/XX/XXXX, now its as if the account never existed. PLEASE REPORT THE CORRECT INFORMATION. BOTH NAMES ( XXXX XXXX ) REFLECT WITH XXXX. 

As of XX/XX/XXXX, I called XXXX and the account was closed/deleted for XXXX, which is still incorrect. Deleted all reporting history from XX/XX/XXXX, as if it never existed on the report. XXXX advised It does not reflect on the credit report. XXXX also advised because of this type of status, it will need to be re-added, then another dispute can be filed. The company/XXXX  tells me to wait and there is nothing more they can do and its on XXXX. XXXX stated it is NOT their issue and it needs to be corrected by XXXX/MUSA/XXXX/XXXX, whoever they are today. - THERE HAVE BEEN MANY NAMES. This company has not provided a paid in full letter, received a XXXX payoff from the dealership. They made attempts to block my number from calling customer service at XXXX and No response from the escalation requests. Outcome : TO CORRECTLY REPORT THIS INFORMATION TO XXXX WITH THE CORRECT BALANCE AS PAID. THIS IS THE ONLY BUREAU THE COMPANY REPORTS. Attaching the XXXX  company response.
Consumer complaint received 2023-01-20
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. (MI)

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 USC 1681. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TN)

On XX/XX/XXXX after reviewing a copy of my credit reports, I wrote to Convergent Outsourcing Inc. regarding the reported account. I asked for documentation of the debt including but not limited to any contracts or agreements with my wet signature. I further requested Proof of their authority to collect the debt and proof of contractual relationship between Convergent and the original creditor XXXX which makes them an agency entitled to enforce a commercial claim against me, On XX/XX/XXXX, I received a response letter dated XX/XX/XXXX with no proof of anything! They attached a copy of the final XXXX XXXX due XX/XX/XXXX and a form of all the States they are either licensed in or have pending licenses to collect debts. 

They failed to provide any proof/documentation I requested such as a contract to substantiate their right to pursue this claim or a certified copy of an original contract with my wet signature.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I made various attempts to submit proof to remove inaccurate information from my credit reports. This is the 3rd attempt to do so. Im attaching all documentation submitted to the bureau and yet they send this notice of a suspicious request. They are violating my right to have accurate information reporting on my credit report. As such, they need to rectify immediately.
Consumer complaint received 2023-05-12
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. (MI)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion, XXXX and XXXX is in violations of consumer law codes ( 15 USC 6808 ) ( 15 USC 1666B ) I was not notified of these late payments below Also, I did not give my written consent for these late payments below to be reported to my credit report this information is incorrect and Inaccurate I demanded this information gets removed immediately. Also, I demand that TransUnion, XXXX and XXXX shows proof that I gave my consent for these late payments to be reported to my credit report XXXX  XXXX account # XXXX XXXX Account # XXXX
Consumer complaint received 2023-01-20
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. (RI)

AFTER TAKING A CLOSE LOOK INTO MY CREDIT REPORTS, I DISCOVERED YOU REPORTING WRONG INFORMATION ON ALL CREDIT XXXX WHICH INCLUDE : ADDRESSES WHICH SHOULD BE THE XXXX ON MY DRIVERS LICENSE THE ONLY XXXX, UTILITY ACCOUNTS OTHER WRONGFUL REMARKS.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-20
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. (RI)

AFTER TAKING A CLOSE LOOK INTO MY CREDIT REPORTS, I DISCOVERED YOU REPORTING WRONG INFORMATION ON ALL CREDIT XXXX WHICH INCLUDE : ADDRESSES WHICH SHOULD BE THE XXXX ON MY DRIVERS LICENSE THE ONLY XXXX, UTILITY ACCOUNTS OTHER WRONGFUL REMARKS.
Consumer complaint received 2023-03-01
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. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dunlap Gardiner LLP (GA)

I have new and updated information regarding complaint XXXX : Dunlap Gardiner , LLP provided false and misleading information by claiming that both their office and the management office has provided documentation to validate this alleged debt. I've received harassing documents from them in a continued attempt to collect an unvalidated debt, but I have NOT received what the FDCPA states I should receive when debt validation is requested.

Upon many requests, Dunlap Gardiner, LLP, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to provide proof of the existence of a LEGITIMATE ENFORCEABILITY AGREEMENT between myself and them. Being that there is no such agreement, they have no legal authority to request or demand payment from me. I have been misled, harassed, and taken advantage of by these companies joining together in deceiving me into paying these unfair and unethical annual assessments without any such legitimate agreement.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NC)

synchrony bank denied my application stating they were unable to verify my Identity, I applied for this card in person at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, I provided them with a copy of my ID and they verified it was me. synchrony also sent me a letter in the mail asking me to complete form XXXX which i did. 

synchrony Bank claims they check credit reporting agency XXXX and the data was inaccurate but that's a lie. I request a copy of my credit report and every information i provided was accurate. I will attach a copy of my credit report and also the letter synchrony bank sent me in the mail.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I opened this account a few months ago and have been using the account perfectly fine. Its a new year and I decided to try to manage my money better and opened XXXX XXXX  accounts. XXXX for my daughter and XXXX for myself. As well as I opened a checking account to transfer money for bills. A day or XXXX later I tried to access my online account and it said my account was locked due to suspicious activity and I called to unlock it. I was told that chase restricted all of my accounts and that they decided to discontinue the relationship with me as a client. I am still trying to figure out what suspicious activity there was that my account was locked. This is the second time this is being done to me and I am being left without a bank account and no access to my funds. I have a XXXX XXXX  XXXX  child and now I have no funds to support her until My next pay.
Consumer complaint received 2023-05-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (MA)

On XX/XX/XXXX I submitted to use affirm for {$750.00} - {$180.00} four times. 

I just received response from my credit card company that I have to submit the complaint to affirm since it was a third party transaction. 

The {$750.00} was for a payment to XXXX XXXX & it was for a convention that was supposed to happen XX/XX/XXXX. The event was cancelled the day of when it was supposed to happen. I could not request a refund in the period that affirm allows because of the circumstances. 

I would have filed with affirm dispute in XXXX had I known before a couple weeks ago from XXXX ( the card I used to pay for the loan ) had told me that is what I needed to do. 

I can not contact the merchant for a refund due to the emails no longer being active and no active phone number. 

The event was cancelled and no one was provided money back - so it did violate the terms & conditions that we had agreed to when purchasing the tickets. 

I attached the cancellation event email & the letter I just received a couple weeks ago about affirm being involved - which again I did not know before the date of that letter.
Consumer complaint received 2016-10-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant Mercantile Agency (CA)

An ambulance company ( nobody now is clear on whether it was XXXX XXXX in XXXX XXXX, from XXXX ; or XXXX, from XXXX ; anyway ... ) sold a debt to Grant Mercantile Agency ( XXXX XXXX XXXX ; XXXX, CA XXXX ; XXXX ). If in fact I was in an ambulance of theirs for any reason, and that is indeed how they collected my information, the point is, I have had XXXX since XXXX and they would have covered any ambulance pick-up or transport -- THIS IS NOT MY DEBT! I had insurance, they knew it, and I never should have been personally billed.
Consumer complaint received 2024-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

I have been trying to register a new account with Mohela since they forced all users to register new accounts due to creating a new website. I have not been able to create an account as each time I am unable to get past the username and password creation page, I get the same error screen, come back later page. 
This has been going in since at least XXXXXXXX XXXX XXXX ( perhaps even before then ), and when I called I was told to simply wait. 
I have tried different browsers ( XXXX XXXX XXXXXXXX ), different devices, clearing cookies, restarting devices, etc. NOTHING HAS WORKED. 
Today, XX/XX/2024 I called for the XXXX time in the since XXXX trying to get the issue resolved. 
When I asked about assistance in creating an account I was told this was not allowed. 
When I asked how I would make upcoming payments if I am not able to get this issue resolved, and I was told to simply wait and the issue would possibly be solved by then. if not, my account may go into deliquency. 
It is absolutely unacceptable to punish the client for the mistakes Mohela has made in creating a faulty website. I am doing the best that I can to pay my loans off on time, and am unable to do so because of Mohela forcing its users to create new accounts, using a website that clearly does not work as it should.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 USC 1681. 
XXXX : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, 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 2019-08-07
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. (IN)

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$1700.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This line item reports the Ownership as Joint '' and/or " Co-Signer. '' I did not sign any documentation for a lease term of any time frame with XXXX XXXX XXXX XXXX. This account does not belong to me and this incorrect reporting of a collection is harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To Whom it May Concern, I have an ongoing issue with information reflected and reported on my consumer credit reports as transmitted and stored with XXXX and Experian. The account in question is an account listed with Timepayment, an account which was paid satisfactorily. I have disputed this item, which is reporting data not in accord with accuracy. Under the Fair Debt Collection Practices Act, I have requested full data disclosure, including manner of documents used to validate what is plainly a flawed account, listing inaccurate history in multiple instances. 

Using the law as stated, i have tried to get Experian and XXXX to dispute the data and they mark it as meeting The Fair Credit Reporting Act, when it has not. Documents have never been provided and account keeps reflecting data which is inaccurate. 

Because the dispute process is costly, and also because I do not trust the fair and impartiality of these credit reporting agencies, I am asking for this agency to intervene on my behalf and mediate this complaint. 

I am asking that the accounts be verified from their source, because the inaccuracies are affecting my financial prospects adversely with the inaccurate information.