davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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. (CA)

On XX/XX/2023 The Credit bureaus stated Account Name : XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Name : XXXX XXXX Account # XXXX Account name : XXXX account number # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (OH)

Credence has been repeatedly calling and harassing me and my family regarding a bill I do not owe. I have disputed this bill in the past and have got it waived from XXXX XXXX XXXX but a manager from Credence names XXXX XXXX has been putting pressure onto me, by threatening to damage my credit. I have spoken to him several times, they agree to delete the credit tradeline only if we pay a minimal amount of {$780.00}. THE ONLY WAY I can fight this is to file a complaint as I solely depend on XXXX benefits to satisfy my day to day needs. Credence also threatens to garnish the XXXX benefits
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Ina ccordance 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
Consumer complaint received 2023-03-10
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. (OH)

in accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A 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 AS LATE FOR PURPOSE
Consumer complaint received 2023-03-10
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. (NY)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section ( 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the CONSUMER and the PERSON making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2023-10-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (FL)

I have a lease on a 2020 Mercedes Benz. My lease expires in 90 days. However, on XX/XX/XXXX I filed a formal concern with Mercedes Benz because my ABS light was on and the sensors were not working. My brakes did not stop as normal. I was on my way to the service department in XXXX XXXX, Florida when I stopped suddenly and tapped the back of another car. ( No injuries or damages to the other car ) My car suffered a dent to the grill. I let Mercedes Benz XXXX XXXX XXXX know of the incident and asked them to do a diagnostic on my brake system. XXXX XXXX XXXX informed me that I would have to deal with Mercedes Benz Corporation. I have had almost XXXX weeks of back and forth and XXXX assistance. I was provided an XXXX service XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX has not been in contact with me via phone. I received a short email twice. I am still paying my car payment on time. However, my car is still sitting at the XXXX XXXX XXXX XXXX Department. No one is helping me fix my car. No updates, no return call, nothing. The MB Coral Gables Service Person ( XXXX ) informed me to call XXXX XXXX. I have email and called. He is completely ignoring my situation. No service. I can not even collect my car from XXXX XXXX XXXX. Yet, I am still paying the lease payment. I need assistance with this situation.
Consumer complaint received 2023-05-20
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. (SC)

account # XXXX is a student loan that was opened in 1987 in which I was only XXXX years old and couldnt possibly be mine. I was a XXXX grader in high school. I was born XXXX, this may be the direct result of identity theft
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX  XXXX & Account number ( XXXX ) : XXXX, XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX 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.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Helm Associates (DE)

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with Helm Associates to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Helm Associates has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. Helm Associates has violated my consumer rights : -15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction -15 USC 1601 ( a ) : Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed.

-15 USC 6802 ( b ) ( 1 ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ).

-15 USC 1681a ( d ) ( 2 ) ( i ) : the term consumer report does not include a report containing information solely as to transactions or experiences which means a repossession should not be furnished on my consumer report -15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. Helm Associates has caused harm by illegally repossessing my vehicle and by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account.
Consumer complaint received 2023-10-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

On XX/XX/2023 Fisrtmark Services sent me a stamente on the following the oustanding principal balance was {$6400.00} the interest was {$60.00} the company was unable to explain why the payments was handled in this manner I told them the discrepancy was arbitrary and innacurate. On XX/XX/2023 I received a new statment with corrections on the oustanding balance the new amount was {$5700.00} the interest was {$59.00}. How I am going to trust FirstMark Services? based on this enormous discrepancies charges on my loan? Is obvious to me that they are mishandling the payments. On XX/XX/2023 I sent a payment in the amount of {$1700.00} the company charme for {$800.00} to paid the supposedly oustanding interest of my loan the remainder of {$950.00} was towards the principal. even though I have not received any statement they the company claim I still owe an oustandi interest of {$59.00} for the current month of XXXX. Every time I called the company give me a different balances o denied I have made payments or simple hang up. Is very frustrating dealing with this company who has demostrated a luck of integrity.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (TX)

I utilized XXXX XXXX for filing my taxes and at the end they asked me if I wanted to track my refund with making an account with Credit Karma. I did not want Credit Karma to run my credit report, instead they ran a credit report. I do want the credit report removed due to it affecting my credit report. I already know my credit score and do not want to use the company. I tried to speak with them and I was redirected several times.
Consumer complaint received 2023-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (GA)

Ive applied for XXXX assistance and it have been approved and the funds had been sent and I was able to confirm that it has been received from Flagstar. The payments has not been applied. The payments were suppose to be applied for XX/XX/2023 XXXXXX/XX/2023 plus to the escrow owed and then 3 payments going forward and the payment has yet to be applied as listed on the breakdown. Im so stressed. I have XXXX children and I do not want to lose my home.. Everytime I call I get different responses but they all see the funds are still sitting there.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 

Your agency is in violation! 
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 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

My father, XXXX XXXX died on XX/XX/2023. He has a deposit account at JP Morgan Chase, and his Social Security benefits were deposited into his account at JP Morgan Chase. I am the beneficiary on his deposit accounts at JP Morgan Chase. Upon his death, and his Social Security direct deposit in XXXX for his XX/XX/2023 benefits, I went to the local JP Morgan Chase branch, with a copy of his death certificate to withdraw the remaining funds and close the account. I was informed that it is the policy of Chase to HOLD THE FUNDS for ( 6 ) Months. Then I was informed that I needed to get a form from Social Security proving the funds deposited were his. However, Social Security does not deposit unless you are an owner of the account. Social security stated that there is no such form. I informed the manager of this, and she stated that it actually is a form from JP Morgan provides, but REFUSED to provide it for me. There is NO reason that these funds should be held. I am the beneficiary, I provided his death certificate, and these funds should be released to me at once.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/2023, my account had a balance of XXXX, on XX/XX/2023, that very account had a balance of XXXX. I contacted Chase bank to figure out where the money went. While speaking to the representative, I explained what happened. I was informed that my account was positive and had a a balance of over XXXX. I said that it is not reflected on my end. The rep then proceeded to tell me about pending transactions. Pending transactions come out from the available balance immediately after a transaction is what I said. She then said thats not what she was going to say. Several transactions kept re-pending on my account.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I have filed a dispute with the dispute department against XXXX for items I did NOT RECEIVE. The purchase is dated XX/XX/XXXX, posted XX/XX/XXXX in the amount of XXXX. Case # XXXX When I contacted the XXXX to cancel he advised me to contact customer service and when I did, customer service advised me they can not cancel or reimburse me. I contacted them 3 separate time and they stated Im not eligible for a reimbursement although I didnt receive the items and the order not being canceled correctly. Due to them not providing me assistance and denying my request to cancel I decided to dispute it through citi, my bank. I DIDNT receive the items and order was closed, Citi has allowed for the transaction to still go through. They are allowing fraud on my account. 

When I called today I was told I can only appeal the dispute by mail, which takes 5 business days to receive and another 5-10 business days to process. So I have to wait almost a month for reimbursement on a dsipute they did not handle correctly to begin with. 

I recently received funds from a family member and I can not even access the funds due to their negligence because it all went to that negative amount and its putting me in an even deeper financial crisis. 

All I wanted was for them to dispute that charge and not allow fraud for failed services to my account and they are not willing to help and provide a 3-4 week turn around time.
Consumer complaint received 2023-07-01
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I have sent multiple letters to explain that these accounts are fraudulent, INACCURATE. To further explain, I have been away from my home for over a year and a half. I have a traveling career. With that being said, I do am away from my home for several months at a time. My home was broken into while I was away. My personal information was taken from me ( Social security card, passport, duplicate of drivers license, along with other items within my home ). This was brought to my attention due to not only my belongings being missing, but also because my credit has taken a DRASTIC change. Several accounts were opened by using my identity. I have tried disputing these errors several times. I do not know what to do anymore. I have worked very hard for what I have and worked hard to make sure that I did not live my life full of debt. My credit score has been RUINED due to some pathetic CRIMINAL!!! I am taking the fall for it. If that was not stressful and hectic enough, now my Experian file is saying that I am DECEASED!!! I am not sure if someone has a similar name or has stolen my identity. I NEED THIS FIXED AS SOON AS POSSIBLE!!!!!!! PLEASE help. 
The following accounts ARE mine : XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( opened XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX and closed XX/XX/XXXX ). XXXXXXXX XXXX ( However, this card was stolen and has over {$3000.00} worth of fraudulent charges ). XXXX ( However, this card was stolen and has over {$2000.00} of fraudulent charges ) Again, these accounts listed above ARE mine. 
The following accounts ARE NOT MINE and have been opened without my knowledge/ approval. XXXX, XXXX, and multiple XXXX  accounts.