davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-15
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, 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.

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 2023-01-23
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. (NY)

Consumer reporting agencies reporting late payments when in fact I was never late on account, Ive never received a letter 21 days prior from due date saying I owe such on such date, Account XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX  XXXX XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. Also Ive never authorized/ sent written consent for late payments to be reporting in my account which is an invasion on my privacy and defamation. How can consumer reporting agencies report something I never authorized and something that is inaccurate. This is defamation they are trying to ruin my reputation with other companies which can damage me emotionally and financially. If I decide to apply for something and companies see I have late payments this will be a major red flag for them to want to approve me for anything, I will be denied for something that is inaccurate and without my consent which is against the law.
Consumer complaint received 2019-12-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX starting in XXXX of XXXX. I graduated in XXXX with an XXXX XXXX XXXX XXXX XXXX. After graduating, I was not earning enough money to be able to pay my student loan back. At the time the loan was serviced by Sallie Mae. The only option they gave me was to request a forbearance. 

In XXXX, my mom was diagnosed with XXXX, so I moved back home with her in XXXX, Wisconsin. I registered to finish my bachelors degree at the University of XXXX  XXXX. My credits from XXXX did not transfer to XXXX, especially after the admissions office at XXXX told me they would transfer. 

I had to pay for the same classes twice at two different schools. I was not able to pay back the loan after graduating so I had to keep requesting forbearances. While I was admitted to XXXX in XXXX and graduated in XXXX, Sallie Mae had my loan on deferrment, accruing interest while I was finishing my undergraduate degree. If my credits would have transferred as XXXX had promised, I would have been able to finish my degree in less time, accruing less interested in the process, resulting in a lower total amount of the loan. 

Now the XXXX school in XXXX has been permanently closed and the for-profit school was bought out then shut down. I have a large student loan that I'm still paying off and will most likely be paying this loan off for the rest of my life. I was misinformed by the school and am looking to get student debt relief. 

Thank you, XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (FL)

In accordance with the Fair credit reporting act XXXX  XXXX  # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX a creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (CO)

I have been sent to a collections agency ( Frontline Asset Strategies ) for a XXXX bill of {$3600.00}. Frontline let me know that apparently there was an account opened in my name in XX/XX/2022. I have never been a XXXX customer. I've been a XXXX customer for over 10 years and I am on my father 's plan. I have never inquired about being a XXXX  customer, either. The account is now impacting my credit score. I've submitted 2 disputes with XXXX  regarding this issue and have not heard back from them. I've also submitted a police report with the XXXX Police Department. They informed me that no investigation will take place on their end. I would like this account removed from my name, as it's causing issues with my credit.
Consumer complaint received 2019-12-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/19, a transaction for {$1000.00} was made to XXXX XXXX Firm. On XX/XX/19, the services were terminated since no services were provided and a refund was requested. On XX/XX/19, a debit card claim # XXXX was initiated with BBVA stating no service or merchandise had been provided by XXXX. On XX/XX/19, I provided BBVA with the supporting documentation requested at XXXX, XXXX and XXXX. The investigator called me back and said she was have her manager approve the dispute that afternoon. She apologized saying they didn't realize I was a BBVA employee. I would see the credit post to  my account that night. On XX/XX/19, I followed up about the status with no reply or credit in my account. On XX/XX/19, I received a letter saying the claim was denied but I had a right to request copies of the documents which BBVA relied on in making their determination. On XX/XX/19, I requested the documents. I provided my email and mailing address for the documents. On XX/XX/19, I followed up on the status of the requested documents. To date, I have not received the documents.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 and 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 2019-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I had a call at XXXX to my business, from a caller-id that said it was 5/3 bank. It was a robo-call asking me to call them back as soon as possible due to a problem with my account. I don't believe I have a 5/3 credit card or account. 

I called back and they insisted on my social security number to give me any information. I of course refused to give it. They insisted, and I of course refused. They refused to look-up the account based on phone-number and insisted I go to a bank-branch tomorrow.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Experian responded to CFPB complaint XXXX claiming the data furnisher was contacted regarding the collection account and that the furnisher verified the account is under collection. Experian used the automated process through XXXX and failed to review the documentation enclosed with my complaint -- they did not forward this information to the data furnisher. The documentation I submitted is the data furnisher'sresponse to CFPB XXXX on XXXX XX/XX/2022. The data-furnisher clearly states they have ceased all collection efforts. Experian disregarded/ignored the response the collection agency provided to the CFPB and instead relied upon XXXX  automatic verification.
Consumer complaint received 2022-12-17
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. (TX)

XXXX XXXX XXXX XXXX XX/XX/1975 ss # XXXX  In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s.c XXXX XXXX XXXX XXXX  Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

Down payment funds of XXXX were wired ( domestic ) from Wells Fargo to an XXXX dealership account ( Bank XXXX XXXX ) on XX/XX/XXXX. 
Wells Fargo XXXX # XXXX RFB # XXXX After a few days of back and forth with the XXXX dealership, on XX/XX/XXXX I recalled the wire of XXXX  because the XXXX dealership had still not received the funds in their Bank XXXX XXXX account. I did verify it was wired to the correct account number with the XXXX dealership. 
I was asked by Wells Fargo to allow XXXX business days for a resolution. They have already violated this policy. 
As of today XX/XX/XXXX, Wells Fargo has still not provided a resolution. 
I was given the run-around from Wells Fargo this XXXX speaking to at least XXXX different account reps. From my conversation with some of account reps, actions still had not been taken by Wells Fargo to retrieve and reinstate my wired funds. XXXX  is a large amount of hard earned money for me and is causing me XXXX and XXXX.
Consumer complaint received 2023-01-23
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. (GA)

FINAL NOTICE TO EQUIFAX AND XXXX XXXX BEORE LEGAL ACTIONS BE PURSUED CONCERNING THIS INACCURATE/UNVERIFIABLE ACCOUNT YOU REPORTING ON MY CONSUMER REPORT. This account # XXXX was disputed and deleted for being unverifiable and incorrect by XXXX and XXXX, and Equifax was notified of this deletion, according to the law. I would like to see the documentation that was used to determine the accuracy of these accounts. I'm not sure why you're saying that they're accurate, because I'm sending you irrefutable facts taken directly from my credit report! How is this possible that you're in charge of maintaining the data on my credit report but fail to ensure its accuracy? I would like to see the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be removed from my credit report. I'm not sure what section of the FCRA this belongs to or whether I'm supposed to quote some text, but I can't let this slide just be I'm not a lawyer. Please send me everything you have on this account.
Consumer complaint received 2019-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (NC)

We refinanced our mortgage on XX/XX/19 with XXXX XXXX XXXX and our loan was immediately purchased by Stearns Lending LLC. We received our first statement on XXXX with a due date of our payment on XX/XX/19. Our Payment was for the the amount of {$6700.00}. This amount was for XXXX toward principal and rest should of have been posted towards escrow and interest. On XX/XX/19, we received notice that our loan had been sold again to XXXX. When receiving notice from XXXX the  account balance did not include the payment that was made on XX/XX/19. After making several calls to Stearns we were told once that the money would be sent back to us, another time that the forwarded onto XXXX, a third call which said we need to be patient and need to check back, and finally the last call stated that they sent the money and to call XXXX. When we made numerous calls to XXXX they have not received our funds nor have any record that the payment was made with Stearns. Both companies say they don't have the funds nor can locate our funds that were withdrawn from our bank account.
Consumer complaint received 2024-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (GA)

The collection agency The Receivable Management appears on credit report. XXXX, XXXX and XXXX. I have tried contacting the number listed on the report as provided by XXXX but have never been able to get through to an agent. The balance of {$250.00} is not owed. The original creditor, XXXX, was provided payment XX/XX/. This creditor should not be listed on my reports as owing a balance, as I have had no communication with them and no information received in regards to amount owed
Consumer complaint received 2023-01-23
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. (PA)

My name is 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.
Consumer complaint received 2023-01-23
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. (NJ)

My name isXXXX 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.
Consumer complaint received 2023-01-23
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. (PA)

My name is 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.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Multiple more times, XXXX charged my card for storage payments of {$2.00} per month for several months. I did not realize that they were doing this to a card that was paid off, with a XXXX balance and had no reason to be checking the paperless billing statement. During the month of XX/XX/2023, being ignorant of these non-approved charges for {$2.00}, I did not pay this google charge and XXXX XXXX XXXX recorded the {$2.00} XXXX charge as 30 days late. This got my attention. I paid it first in hopes of getting the charges reversed that were for at least XXXX month payment, specifically XX/XX/2023. After proving to XXXX XXXX XXXX the charges were fraudulent and not approved by me, XXXX XXXXXXXX XXXX removed all charges and reversed the XXXX through XX/XX/2023 {$2.00} charges and specifically XX/XX/2023 late fee and late reporting but have failed to correct It on my credit report. The $ XXXX {$2.00} late fee is still showing on my XXXX credit file and all three major credit reports files with XXXX , EQUIFAX , XXXX AND XXXX XXXX Please have these $ XXXX {$2.00} charges removed from all four credit reports ( XXXX, EQUIFAX XXXX XXXX AND XXXX ), asap as it has negatively affected my credit! PLEASE SEE THE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF!
Consumer complaint received 2022-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sezzle Inc. (TX)

I had a chat with a Sezzle representative on XX/XX/22. In the chat the representative reported that I paid my final amount owed on XX/XX/22 in the amount of {$100.00}. However, when I filed a dispute with the XXXX XXXX XXXX XXXX, they did not update the balance. It is still reflecting on my credit that I owe {$820.00} and my credit usage is 127 % which is negatively reflecting on my credit driving my score down. I have filed two disputes. For the first dispute my credit score was XXXX. Sezzle went back and updated that I was 30 days late and it drove my score down to XXXX. Then for the second dispute they took the 30 day late notice off and it only drove my score back up to XXXX. I would like to have this matter updated.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

On or about XX/XX/22 we received a bill for {$1200.00} the total amount due from Capital One for a XXXX XXXX XXXX. We paid of the entire balance which was received by them on XX/XX/22. Now we received a charge for {$19.00} for interest due on a XXXX dollar balance. I now see how see how these big companies pray on the senior citizens.
Consumer complaint received 2023-01-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NJ)

Good morning, I currently have a Wells Fargo Auto loan. I was charged extra fees and I have had my car wrongfully reprocessed while having this loan. As I see, there is now action on Wells Fargos mistreatment of customers, I want to know how I will be repayed for all of the trouble I have gone through dealing with Wells Fargo.
Consumer complaint received 2019-12-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. INQUIRIES : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  & XXXX XXXX