davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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. (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  Account Number : XXXX Account Name : 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 a list of inquiries XXXX XXXX XXXX XXXX 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 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 2023-07-31
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. (CA)

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : U S DEPT OF EDXXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (IL)

In XX/XX/XXXX, I paid off a promotion plan in full with the exact amount of XXXX ( see statement ). The entire amount should have been applied to the promotion. Instead, Comenity applied all but a certain amount toward another promotion plan. This caused the expiring plan to go past the expiration date with a balance. The account suffered the added balloon finance charge. When I noticed that the balance did not go down, I contacted Comenity to resolve the error. At first, it seemed like Comenity would strive toward doing the right thing, Instead, they reneged on an agreement to assist me and refused to make it right after several attempts and pleas on my part. I was left with no choice but to contact my attorney. The attorney attempted to reach out to Comenity twice and twice Comenity ignored my attorney. It wasn't until recently that Comenity sent a letter to my attorney stating they didn't know who I was. I contacted the bank on XX/XX/XXXX to find out what they needed and once again Comenity was not helpful. XXXX of customer service transferred me to XXXX in another department, who transferred me back to customer service where XXXX took the call. I explained for the third time what I needed and XXXX informed me that my account was frozen because an attorney contacted them. When I asked XXXX why was that the case, his glib reply was, " because that's how the bank works. '' when I asked XXXX for the previous year 's statements, XXXX proceed to assume I didn't know what I was talking about when I informed him that the statements were not visible on the site. XXXX proceeded to tell me to write a letter to their XXXX XXXX XXXX he had the statements on his screen. I still don't know why they could not identify me. According to my attorney, Comenity Bank is the worst company to work with to get customer resolutions.
Consumer complaint received 2023-03-08
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. (GA)

XXXX XXXX XXXX has violated the FDCPA and FCRA and HIPPA Guidelines. First off my Non-Public Personal information was sold, share, disclose AND ADVERTISED between XXXX XXXX XXXX, XXXX, Equifax, and XXXX. This is Infringement to my Privacy. I recently disputed XXXX XXXX XXXX because laws were broken in regards to my privacy. XXXX XXXX XXXX, Serviced the account on my behalf, which is A violation under FCRA. ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Also Under the FDCPA Violations were broken as well. ~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. They committed a HIPPA violation by sharing and disclosing my PHI without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I began working with a merchant in XXXX through the XXXX platform last year. I made two payments to them before I decided to enter into business with another merchant. I attempted to work with them to get my money returned to me but they instead insisted I stay up until XXXXXXXX XXXX to get on a video call with a manager whose intention was to bully me into continuing to work with them. 

I reached out to USAA and before I attempted to file the dispute, I asked the young lady if there was a time limit for disputes and she informed me there was not so I filed the disputes. Since USAA loves to let us know we are on a recorded line, they should be able to verify this. Now USAA is saying too much time has passed.
Consumer complaint received 2021-01-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (TX)

XXXX has placed a collection on my credit report for a bill and balance that is a business account not a personal account and Im not the person who opened up the account Ive filled a complaint with theXX/XX/XXXXand not luck I would like forXX/XX/XXXX to remove this account from my credit report
Consumer complaint received 2023-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (LA)

Upon attempting to obtain a mortgage, I discovered a collections account from Credit Collection Services for a XXXX bill of {$360.00}. When I called to discuss the matter and told them the charges were a result of identity theft, they gave me the process to dispute with them. 
I was provided a different address the bill supposedly originated from each time. Neither of which I ever had XXXX at. I was told to file a police report and an identity theft report and upload them to their website. 
I was instructed to use the address in XXXX, MO. I did as requested. When I called again, I was told I needed to upload my ID-which I did. On another call I was told I needed to upload proof of the address the debt occurred at but this time that the address was one in XXXX, AZ. I can not get a straight answer and several times have offered to just pay the bill so they would delete the inaccurate information. They refuse. They also refuse to provide the correct verification of the debt so that I can properly dispute the charges.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: DApps Platform, Inc. (IL)

i started trading crypto in a trust wallet browser called trust wallext. i was actually making money but when i went to withdraw they would not let me withdraw until i payed taxes and fees so i payed. every time i pay they told me i could withdraw but then they came up with another fee. the last time i payed a fee was XX/XX/23 {$16000.00} and the let me have {$610.00} but froze the {$230000.00} and said i had to pay {$19000.00} fee to unfreeze. they will not let me have my money.
Consumer complaint received 2022-10-29
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. (SC)

XXXX XXXX XXXX  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 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 2021-03-12
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. (TX)

XXXX ; Experian and XXXX should not be reporting each Inquiry showing on my credit report for Auto Financing as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-10-29
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. (SC)

XXXX XXXX XXXX  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 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 2022-10-29
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (GA)

I have been locked out of my Grain Technology account for months due to verification of email address which is accurate, always has been. It keeps saying itll send a link to my email address and never does. I have not been able to get into my account after several attempts of emailing this company. Due to me not being able to access anything on my account unfortunately I havent been able to make any payments resulting in a 60 day delinquency which I feel is totally unfair! I continue to email resulting in no response. The customer service number online doesnt work! My score has dropped over XXXX points because of this.
Consumer complaint received 2021-01-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020, I sent out a request for verification on several accounts. It has now been over 60 days since that request, and no response has been received for all to the listed accounts
Consumer complaint received 2023-07-31
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. (PA)

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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  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 XXXX  days old.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-31
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. (OH)

Have been trying to get these inquiries off my credit report, again I gave no one permission to run my credit for a car, disputed these inquiries before and it came back as non monetary relief, which means they gave no explanation as to why I have these inquiries on my report. These inquiries are on my Transunion Credit Report 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} is a collection that I don't know about that I would also liked removed. 
XXXX XXXX Bankruptcy, I have sent a letter to the credit bureaus from the bankruptcy court stating that they do not share any information with credit bureaus, but Transunion and XXXX are stating they received this information from The Bankruptcy Court what do i do
Consumer complaint received 2024-03-21
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. (NV)

This creditor listed below has violated my right per fcra Creditor : XXXX XXXX XXXX Secured loan Account open XXXX Account does not belong to me know knowledge address is incorrect. 
I have not supplied proof under the XXXX XXXX XXXX by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently notified Transunion that I an a victim of identity theft. In return Transunion responded that the fraudulent accounts were verified that they belong to me. Transition did not send proof of how the fraudulent account was verified, when it was done and with whom. The reporting of these account ( s ) by Transunion is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I do not verify any of this fraudulent activity. and I. had nothing do with any of it.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (SC)

My IDR  application ( changing to SAVE plan ), submitted on XXXX has not been processed by Nelnet. I have been unable to reach a human at Nelnet with questions about the status of my application. I have received automated emails stating that I will get an email every 10 days -- that is the only communication I have received from the servicer. 

As of this moment, after repeated attempts, I have been on hold for MORE THAN XXXX HOURS TOTAL. Additionally, interest is accruing on my loans, which would not have occurred if my application was processed in a timely manner.
Consumer complaint received 2022-10-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NV)

I called customer service on XX/XX/XXXX to confirm that I am done everything to be eligible for the {$500.00} bonus promotion that the bank is running. The person I spoke to said that the $ XXXX XXXX transfer on the XXXX of XXXX was from another ally account and did not count. That money came from XXXX XXXX, so that person did not know what they were talking about. I want to know if I have done everything required other than keeping the money in Ally until XX/XX/XXXX to be eligible.
Consumer complaint received 2020-06-08
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. (MN)

I submitted an FTC report for all the documents listed on my report that I blieve are fraud due to multiple data breaches where my information has been exposed. I sent a copy of the report to XXXX, Equifax, and XXXX  and they have not responded to the disputes within thirty days and they have not taken these fraudulent items off my report