davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
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)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, The XXXX  At 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 and XXXX has violated my rights.

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

15 U.C.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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-09-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (CA)

The loan company, Bridgecrest, set me under the SCRA due to being XXXX XXXX military. The company did not submit a court order in order to repossess the vehicle, as stated it is needed in the Act. I have been working with an XXXX XXXX and reserve attorney, but was stated to reach out for assistance on CFPB as well in order to resolve this as quickly as possible. Vehicle was repossessed on XXXX XXXX, and they have not responded to my attorney 's letter of representation and memorandum stating they were in the wrong to repossess the vehicle. I have been without a vehicle since and have struggled to find means of transportation to and from work.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1500.00}
Consumer complaint received 2022-05-31
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)

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. I would like the following inquiries and personal information about my account removed as it violates my rights. 

ACCOUNTS : - XXXX The above mentioned accounts and information have 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 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (FL)

I have no idea what this attached email I just received is ... 
I am concerned for my privacy on my XXXX account. Below is context of email from Synchrony Bank A Trial Deposit Has Been Successfully Made to Your XXXX XXXX  credit card statements/payments x Synchrony Bank XXXX XXXX ( 2 hours ago ) to me Note : This email was sent to you by Synchrony Bank, the issuer of your XXXX XXXX Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your XXXX XXXX Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, USA. 

This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/.
Consumer complaint received 2023-10-17
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: EQUIFAX, INC. (FL)

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/, letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the account sand remove them if they couldn't. 

I sent the second letter to them on XX/XX/, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. This included a police report on the identity theft. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I sent the 4th letter on XX/XX/, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. This also included a police report on the identity theft. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-31
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*, my rights have been violated and I continue to financially, mentally and physically suffer due to these violations as well. Every violation was taken from XX/XX/2022 Credit Reports furnished by XXXX, XXXX and/or Transunion, post several attempts to have removed directly. 

XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX AND/OR XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX & A Account # XXXX ***, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX 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 2023-02-21
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. (IL)

On the above date and approximate time, XXXX XXXX XXXX positive Identified by Illinois Driver License # XXXX Victim of Identity Theft. XXXX XXXX stated he noticed fraudulent activity of his credit report and didnt give permission for anyone to open and establish a XXXX XXXX XXXX account nor purchase a vehicle. XXXX XXXX also provided information that he was stationed in the XXXX XXXX XXXX XXXX XXXX on active-duty status from XX/XX/XXXX, through XX/XX/XXXX. XXXX XXXX stated he noticed that fraudulent activity when he started to receive information about the purchase of a vehicle. On the date of XX/XX/XXXX ( offender ) unknown at this time. Opened a XXXX XXXX XXXX account # XXXX without the knowledge and permission of XXXX XXXX XXXX in the amount of {$15000.00}. Using an expired Illinois Driver License of XXXX XXXX XXXX that was turned in to the Illinois Secretary of State Office. The offender was able to purchase a vehicle from XXXX XXXX of XXXX on the above date.
Consumer complaint received 2018-09-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (VA)

In XXXX I borrowed money from XXXX XXXX in the city of XXXX Virginia {$20000.00} and was coheresd into a home equity line of credit with as a separate account away from the line. I borrowed some money from the credit line and paid money back to it, I didnt get a single monthly statement until XXXX when WellsFargo absorbed XXXX, the statement claimed I took {$59000.00}, the maximum I could have taken. I froze the account and began trying to find out where the money went. There is no paperwork for the first two years non of the withdrawals or deposits I made are mentioned, They, wellsfargo, have the original agreement and the statements beginning when they took over but that is all. And have stalled me off for 14 years while I pay them interest or rent on my own property. I cant find any one to advise me. The bank promises to do some thing, and I wait but then act as if this is the first time they hear about this, I have been to several bankers and talked to the main office who just sends out the statements I already have. Not the first two years when the money Was allegedly taken. Help me fight this giant. I want all my interests payments back and to know who stole my home equity. Cant find an attorney or adviser.
Consumer complaint received 2018-09-30
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. (AZ)

My XXXX XXXX XXXX XXXX XXXX # : XXXX and XXXX XXXX XXXX XXXX # : XXXX is lost/stolen, and all of the transactions on both accounts, are fraudulent and unauthorized, and dont belong to me.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize these inquiries. TransUnion : XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-09-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Resolution Corporation (MO)

I have disputed this issue with Account Resolution Corp whom did not provide me with a copy of my signature with the provider of services to release any of my medical information to Account Resolution Corp regarding alleged debts as well as cease any Credit Bureau reporting. This entry 's insertion on my credit reports is a blatant HIPPA VIOLATION and a violation of my human rights according to the ( FDCPA ). These entries must be deleted from my credit report immediately. XXXX # XXXX ( {$1500.00} ) XXXX # XXXX ( {$270.00} ), Act # XXXX ( {$350.00} ),
Consumer complaint received 2019-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CO)

When seeking out information about why I was receiving notices with zero payments due. Then the next day I would have a delinquent notice. I was simply confused and needed to see the other side. At this point, operator XXXX jumps on the phone to let me know the answer to my above concerns in this manner, " well that national advisory you had consolidate your loans, they helped you to falsify your income and documents to get that rate. Did your income even change? At this point the conversation is over, because I will not be spoken to like dirt! Two things I have a problem with, your customer service agent just called me a liar and a thief. Do the research and the math. Texas XXXX 45hr+night diffXXXX that's 47 hourly straight pay. Wyoming same nurse 32hr+XXXX night diff..XXXX, it's about XXXX less an hour. Plus I worked two jobs up til now. It would be well advised to educate this individual on customer care. In my profession my boss would of already had me escorted off the property ... 
Respectfully, XXXX XXXX, XXXX
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX and Experian has incorrect Credit Score for me My correct Credit Score should be XXXX. I feel I am being Discriminated against because I am XXXX American. I want a full investigation into both credit Reporting agencies. Because of this misinformation I am being Denied Credit.
Consumer complaint received 2018-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

An organization by the name of XXXX XXXX out of XXXX, XXXX  misrepresented a colored diamond investment to me and as a result I have invalid charges on a Major Credit Card with the following institutios ; Capital One. A Record of charges is listed below and receipts for the charges are attached. Also attached is an entire history of these fraudulent transactions as well as a local police report, request for documentation by XXXX Police, a Press Release testifying to the arrests of 5 individuals from XXXX XXXX and an FBI referral by the XXXX Police.

Despite this documentation the institution has refused to honor both Fraud Claims. Capital One honored the claim in the amount of {$5300.00} but denied the {$9200.00} claim. Capital One to date has only notified me by phone.
Consumer complaint received 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

I was provided incorrect information by Nelnet regarding what benefits my student loans, that are in my father 's name, are eligible for. At the time of consolidation, we were told that the newly consolidated loan could be deferred if I were to pursue further education. This was very important in our decision to consolidate the loans as we had always planned to pursue further education ( Both my sister and myself are impacted by this. She also consolidated her loans post her graduation as well ). A couple months ago I had contacted Nelnet to discuss this topic along with switching the loans to income contingent repayment. During the multiple phone calls that took place during this day, I was told numerous things about my benefits from multiple people that contradicted each other. The end result was that I was told that I could not defer my student loans while being enrolled in school. This is a clear and blatant violation of the Dodd-Frank act. I was provided incorrect information that altered my decision making and in return has resulted in financial harm. To make matters worse, I was again told I could defer my student loans when I first complained about this violation to Nelnet. Then again, they told me this information was incorrect when I contacted them via phone. I have email evidence of this violation of the Dodd-Frank act that they committed. I have contacted Nelnet again about compensating me for this financial harm they have caused and they say they can not do anything and will not admit to wrong doing. Being that this is a violation of the Dodd-Frank act I believe I am not only correct about the issue but also entitled to compensation for the financial harm they have caused.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

DEROGATORY REMARKS/COLLECTIONS/ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-24
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. (TX)

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. 

The letters are stated with items and issues. 

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 XXXX 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 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (MA)

I used this credit card to help Build my credit It was only valid for 2 year after it expired I destroyed the card and never reapplied a year later I start getting billed for a credit line I didnt know Was still active ..cause I never reapplied and didnt have a Physical card I called them to explain,,, they apparently closed my account now my credit is suffering and Ill still being billed!!
Consumer complaint received 2019-11-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCE CORPORATION (GA)

OneMain is reporting a loan I received negatively on my credit reports. I fell behind in payments after an injury caused me to lose my job. I was out of work for some time and could not pay my bills. I became homeless as well. Just recently, I got a new job and gross $ XXXX annually.