davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
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, XXXX  Accounts listed below have violated my rights : Account # XXXX by XXXX  Account # XXXX by GXXXX XXXXccount # XXXX by XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX by XXXX Following is a list of creditors who have obtained my report without my consent : XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C.1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given anyone written instructions to place any items on my report.
Consumer complaint received 2022-04-22
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. (FL)

Per review of my student loans, which started in the year of XXXX and was consolidated in the year of XXXX for the PSLF. My qualifying payments were XXXX at {$0.00}. These loans were created for me to attend and graduate Virginia XXXX XXXX. Currently, I have a XXXX XXXX XXXX in place that is pending/processing since XX/XX/XXXX for the Virginia XXXX XXXX loans because of the inaccurate information, fraud, and absent accreditation. Also, during this time I went back to school at XXXX XXXX XXXX ; XX/XX/XXXX, which has placed my current loans in a deferment. I was not made aware of this deferment, or was this information told to me. When I submitted my PSLF application and was approved, I was not made aware that if I was to start college again that my old school loans, that have nothing to do with my schooling now, would be affected. The other inaccurate information is XXXX reporting my school loans on my credit report stating they will fall off my credit report in 7 years which will be XXXX. This is not correct as I received my loan in XXXX and this year of XXXX and month of XXXX, all account information of XXXX should not be reported onto my credit. The reason it states " XXXX '' is because I made a conslidation on my loans but that doesn't change when I got the loans per when I spoke to Experian. Ive already made a status change dispute of this to the credit bureau, and it was processed on XX/XX/XXXX, by XXXX - " Dispute resolved - consumer disagrees. Before disputes were made, on Friday XX/XX/XXXX, I made a phone call to XXXX customer service to ask what my best approach to my school loans at this time would be. This is how I was made aware of the deferment on my account and with no reason why. I asked about my loans being removed from credit and the representative stated, that is not accurate information, after 7 years only late payments fall off. I asked how long a wait would be on a Borrowers Defense Application and received an answer of over a year. XXXX as a company has made it hard to move forward, be knowledgeable about account information, and has failed as company to keep me updated on my own information. Per credit bureau, after 7 years, a school loan does fall off your credit your report. Customer service should not be stating inaccurate information to current students, customers, members or whomever. After receiving the dispute results, I sent a certified letter to XXXX, and only received a signed certified tracking card back. I waited 30 additional days with no payer correspondence. Again, I am asking for just the school loan to be removed from my credit report. Thank you.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (WI)

i am having a problem with us bank home mortgage i started chapter XXXX the week before my house was for sheriff sale so that stopped the sale so i payed into chapter XXXX for XXXX year until i could not afford to make payments to bank and chapter XXXX so my case was dismissed but before my case was dismissed us bank stated i could do a modifacation so i did because my balance dropped down from XXXX to XXXX now they say they took my house back i do not understand what happen they said they will not send my modifacation papers through because they own the house but i keep checking with the sheriff and the house still belongs to me i have been here for 15 years please help me understand what is going on and did i loose out on my money trying to keep my house.
Consumer complaint received 2022-12-21
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. (IN)

Im tired of going back and forth with XXXX XXXX about my own privacy. Not only do they continue to report my personal informtation without my consent, they never informed me i have the option to opt-out and grabing my personal information for their own personal finical gain since before i was of legal age to sign any thing. Their finical gain off my persoanl life is hindering my ability to put my children and myself in a better living situation. I do not qualify for a new home or a new car for my childern without having adverse reaction on all applications due to XXXX XXXX and the rest of the gang " all CRA 'S '' including XXXX, Equifax and XXXX. Not only are all of these companies making hand over fist off my personal information. They are putting me and my childrens life in danger by reporting my personal addresses that i did not give consent to. I am a victim of XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX. Yet these companies disregard any permissible purpose by grabbing this information for thier own monteary gain. These companies never properly investigate my disputes and continue to send automative messages back to me and never send the proper requirments following my Cease and desist. At this point these compaines are slandering my name. All these companies ganging up aganist me like a XXXX case, with intent and reckless regard to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have to work more hours and spend less time with my children. Im stressed out from the blant disrespect. I cant even give my children the XXXX they deserve because of my character being slander through all these companies.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AK)

XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX is reporting to my consumer reports that I did not express permission or permissible purpose to report. XXXX XXXX XXXX b. As a consumer I have the right to privacy pursuant XXXX XXXX XXXX, pursuant XXXX XXXX, and pursuant XXXX XXXX XXXX. My private information is my business. My credit cards are my business. My credit cards are my private information. XXXX XXXX XXXX  have reported my private information without my consent. XXXX XXXX XXXX  actions have amount to aggravated identity theft XXXX XXXX XXXX. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures XXXX XXXX XXXX. XXXX XXXX XXXX Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section XXXX of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXXXXXX XXXX XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX XXXX XXXX  has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. XXXX XXXX XXXX and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

XXXX XXXX XXXX XXXX  XXXX  # XXXX
Consumer complaint received 2022-04-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (NJ)

I requested a modification on my mortgage in XX/XX/2022 when I came out of the Cares act forebearance. The mortgage company approved me for a modification both in XXXX again a second time in XXXX and another time in XXXX. Yet the company never sent me the papers to sign and return.Even after repeated calls to them to send. Finally in XXXX they sent me the modification papers.However because of there failure to process my case on the earlier attempts my modification payment went up by XXXX dollars and my interest rate by 1 and 3 quarters per cent.If they check there notes on my account they will see this is all true.
Consumer complaint received 2022-04-22
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: SYNCHRONY FINANCIAL (CA)

On XXXX XXXX a XXXX provider charged my care credit card for services that were not recived. I filed a dispute two times. Care credit sided with the merchant even after having proof the provider was make false charges to my credit. Now I am being forced by the credit company to pay for illegal charges made by the XXXX  provider. Ruining my credit even with all the proof that no of the services were ever received.
Consumer complaint received 2022-04-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (FL)

In XXXX of 2016 I bought a car that was a lemon it was repossessed in XXXX of 2016 6 years ago i has showed up on my credit as an open account and it was paid on time they will not show it as repossessed 6 years ago this is inaccurate information
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (KY)

Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX  account # XXXX has been disputed previously with the bureaus due to fraudulent account. XXXX has removed account however XXXX and Equifax have not. This is hurting my credit rating. I am a victim of identity theft.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (LA)

I applied for a credit card on XX/XX/XXXX. I have 3 months to purchase XXXX in order to get promotional mileage. I called about XX/XX/XXXX or XXXX to inquire about my card. My temporary card stopped working on XX/XX/XXXX. I was told another card would come on about XX/XX/XXXX. I received the card and tried to activate it on XXXX XXXX could not activate so I called again. I was told the card was cancelled- no reason was given. I can not even login to the account ( i made a purchase with the temporary card ) and I already received a bill with No way to pay it. I was told today that they would expedite another card. Now I have 2 months to make the required purchase if I get the card timely. Its almost as if they do not want me to get the promotion. Please advise.
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AL)

Each of these companies I have contacted to have them validate the debts that are said to be owed by me. I have received nothing at all. I have sent an Affidavit of Truth certified mail to Equifax along with all companies listed in the identity report filed w/ the Federal Trade Commission XXXX The companies listed in the identity theft report have ruined my reputation pursuant to XXXX XXXX XXXX ( XXXX ), by furnishing these negative items on my consumer report. Power of Attorney fraud has been committed by each corporation named in the report do to alteration of my name from " XXXX XXXX '' to " XXXX XXXX ''. This entity/name was attached to me without full disclosure or a meeting of the minds.
Consumer complaint received 2022-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Starting on XX/XX/XXXX all the way through XX/XX/XXXX there was a series of XXXX unauthorized transactions on XXXX XXXX through my Wells Fargo bank account and debit card. If my math is correct I was robbed of almost XXXX XXXX dollars in total. {$7800.00} to be exact. All of the transactions made were NOT authorized by myself and I never received any notifications of these transactions. In other words they were unauthorized transactions and/or fraud. I contacted Wells Fargo and their claims department and was told that they would do everything to help me and make the situation better. A few days pass and they advise me that they denied my claim and will not reimburse me for the amount we had agreed upon and said would be reimbursed after investigation was completed. I just had a son ( he is literally not even XXXX month old ) and I was in the process of putting a down payment for a house and/or buying a dually truck for my hotshot business Im in the process of starting. On top of this issue I had another XXXX issues with my account. These involve XXXX and XXXX. Its clear that the people that gained access to my account were simply trying to drain my bank account and were well versed in their scam and manner of taking money from their victims. The XXXX transactions started XX/XX/XXXX and lasted up until XX/XX/XXXX. There was a total of XXXX transactions totaling {$2500.00} with all XXXX added up together. Then to finish this all off, there was another set of unauthorized transactions made through XXXX. These started on XX/XX/XXXX and went through XX/XX/XXXX. There was a total of XXXX transactions and they add up to {$3100.00}. All in all the total adds up to {$13000.00} all together and its absolutely ridiculous that this is even possible.
Consumer complaint received 2022-04-22
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. (VA)

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

15 U.S.C. 1681 Section 602 A : States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : States that a consumer reporting agency can not report/furnish an account without my written instructions.
Consumer complaint received 2022-04-22
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. (VA)

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

15 U.S.C. 1681 Section 602 A : States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : States that a consumer reporting agency can not report/furnish an account without my written instructions.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-04-22
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. (CA)

The Fair Credit Reporting Act outlines the rights that Identiy Theft Victims and those who believe they are victims have the RIGHT to BLOCK FRAUDULENT INFORMATION FROM THEIR CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT BLOCK AND REMOVE THESE FRAUDULENT INQUIRIES. 
XXXX NA XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION INQUIRY
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

Per review of my student loans, which started in the year of XXXX and was consolidated in the year of XXXX for the PSLF. My qualifying payments were IBR at {$0.00}. These loans were created for me to attend and graduate XXXX  XXXX  XXXX. Currently, I have a Borrowers Defense Application in place that is pending/processing since XX/XX/XXXX for the XXXX  XXXX XXXX loans because of the inaccurate information, fraud, and absent accreditation. Also, during this time I went back to school at XXXX XXXX XXXX ; XX/XX/XXXX, which has placed my current loans in a deferment. I was not made aware of this deferment, or was this information told to me. When I submitted my PSLF application and was approved, I was not made aware that if I was to start college again that my old school loans, that have nothing to do with my schooling now, would be affected. The other inaccurate information is Fedloan reporting my school loans on my credit report stating they will fall off my credit report in 7 years which will be XXXX. This is not correct as I received my loan in XXXX and this year of XXXX and month of XXXX, all account information of FedLoan should not be reported onto my credit. The reason it states " XXXX '' is because I made a conslidation on my loans but that doesn't change when I got the loans per when I spoke to XXXX. Ive already made a status change dispute of this to the credit bureau, and it was processed on XX/XX/XXXX, by FedLoan - " Dispute resolved - consumer disagrees. Before disputes were made, on Friday XX/XX/XXXX, I made a phone call to FedLoan customer service to ask what my best approach to my school loans at this time would be. This is how I was made aware of the deferment on my account and with no reason why. I asked about my loans being removed from credit and the representative stated, that is not accurate information, after 7 years only late payments fall off. I asked how long a wait would be on a Borrowers Defense Application and received an answer of over a year. FedLoan as a company has made it hard to move forward, be knowledgeable about account information, and has failed as company to keep me updated on my own information. Per credit bureau, after 7 years, a school loan does fall off your credit your report. Customer service should not be stating inaccurate information to current students, customers, members or whomever. After receiving the dispute results, I sent a certified letter to FedLoan, and only received a signed certified tracking card back. I waited 30 additional days with no payer correspondence. Again, I am asking for just the school loan to be removed from my credit report. Thank you.