davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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. (VA)

I submitted a written letter to the three major credit bureaus to update the correct spelling of my name, my current address and employer my social security number and date of birth while requesting the removal of previous incorrect information. I mailed that letter on XX/XX/2024. 
XXXX, XXXX and Experian denied my written request in a letter response to me sent via mail to my current address. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-06-12
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. (OH)

There are third party XXXX XXXX on my credit report that do not belong to me and I did not authorize. This is a violation of the XXXX act. Here are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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)

XXXX an TRANSUNION I XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized account on records etc., XXXX MY ACCOUNT # XXXX TRANSUNION XXXX.MY ACCOUNT # XXXX 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. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent .. XXXX ACCOUNTS ARE... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all unauthorized an have no Permissible useXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us DEPT OF EDXXXX 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 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on please validate an delete at once
Consumer complaint received 2022-11-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

XX/XX/2022 I sent XXXX a dispute letter demanding to remove 3 accounts thats not mines. XXXXXXXX XXXX {$120.00}, XXXX XXXX {$3000.00} and XXXX XXXX {$0.00}. They are not following you guys rules, they have yet to provide me with investigation results. I also sent a 30 day to comply and haven't seen any changes or removals. Same with Experian and XXXX and same accounts, except Experian has a account XXXX XXXX {$840.00} that I also demanded to be removed.
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc. (IL)

As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

I called Citi Credit Card Co. To make a XXXX payment on the XXXX of XXXX. Then on the XXXX of XXXX I had received an email stating that my payment was coming up to please make a payment because my payment was returned. Next I asked them if they needed my routing number to make my payment and they told me no that they didn't need that information to make my payment. Then on the XXXX XXXX. Which was my original payment due date the amount of XXXX was taken out of my account as it states on my checking account with XXXX XXXX XXXX and 2 days later its not posted on my Citi Credit Card balance, and I talked to XXXX about this I told him I'm never late on any of my credit cards and I don't want to take a hit on my credit report by trying to make my payment. And they pushed my payment to the XXXX of XXXX. XXXX said he put in my complaint to his supervisor to try and get this issue resolved today. But could take up to the XXXX of XXXX.to have my XXXX put back on my card.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

Unable to change telephone number for accessing bank info and statements on line. Submitted documentation to bank on XX/XX/22 they submitted a Document Review Request Form with a notarised document allowing for the telephone number change that was signed. Was informed by the bank that the legal department informed them of the refusal of said documents, only if I came personally to the bank, which is impossible as I am in XXXX at the present time. I sent my cousin XXXX XXXX to represent me at the bank.,
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Greetings to all at the CFPB. Thank you for your service. It has come to my attention that a private company called Portfolio Recovery Associates is committing many violations against my Estate and my Name. My question to the CFPB is how can a private for profit company be allowed to collect and obtain my personal information without my knowledge, written consent, or court order? Does the CFPB allow companies to do as they please? I have requested that Portfolio Recovery Associates provide to me a proof of Authority that allows them to purchase, and collect the personal information of XXXX XXXX without a license at California where I live, my written consent, or court order. This is clearly identity theft by corporate bullies. 
My family is unable to obtain goods for our household like housing. This has to stop. I am asking that the CFPB regulate the false and deceptive business practices of PORTFOLIO RECOVERY ASSOCIATES. This is devastating to my family
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I TRIED TO FIX THIS PROBLEM THAT MY SON HAS THE SAME NAME AND ADDRESS THAT I HAVE HIS STUDENT LOANS ARE REPORTING ON MY CREDIT FILES. MY SON IS NO LONGER HERE HE XXXX XXXX. I ALSO HAVE FRAUDULENT ACCOUNTS SHOWING ON MY REPORTS.
Consumer complaint received 2022-11-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MD)

On XX/XX/XXXX I purchased the XXXX XXXX XXXX at XXXXXXXX XXXX  in XXXX MD. It is financed through Credit Acceptance Corporation. The purchase price was roughly {$18000.00}. 10 months later, as in today, XX/XX/XXXX, the vehicle price has almost doubled. I know owe over {$32000.00} on this vehicle. 

After much research, there are 3 recalls on these cars, as well. Specifically, my car had a recall on the airbags. I no longer feel safe driving this vehicle. I feel like I am going to be stuck in this vehicle for life and I feel as though Credit Acceptance practices predatory lending especially to the impoverished and uneducated. Modern day snake oil salesmen/corporation/company . 

Reading all the consumer complaints, etc. I feel as though I've been sentenced to a death loan. Meaning I will be paying this vehicle off until I die, or I will die in this vehicle because of the recall. This is completely unfair and as a consumer the amount of information presented to " just sign '' is overwhelming. 

Credit Acceptance is a death trap. Do NOT finance with them.
Consumer complaint received 2022-11-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

My mother died XX/XX/2022. 
I and my brother are the sole named beneficiaries in the will to inherit the house that has a Home mortgage note of about {$45000.00} and a Prime Equity note of about {$180000.00} held by Wells Fargo Bank , N.A . 

I have sent all Death Certificates, Wills, Affidavit of next of kin and requisite information to Wells Fargo yet they refuse to recognize me as the term they use " confirmed successor in interest ''. 

My rights to assume the mortgage by the XXXX XXXX XXXX XXXX are being denied and I will soon pursue litigation should they not be immediately recognized. 

My rights under the Truth in Lending Act and Real Estate Settlement Procedures Act are likewise ignored. 

This is a clear pattern of systemic fraud on behalf of Wells Fargo of pretending to attend to your rights as a beneficiary while in parallel foreclosing on a home.
Consumer complaint received 2022-09-28
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. (AR)

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. 

XXXX 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 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 before that the information is inaccurate. 

In addition this account has been paid in full and is still being reported open by all 3 Credit bureaus.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (UT)

XXXXXXXX XXXX XXXX has fraudulently reported and sold my personal information to credit reporting agencies and to LVNV Funding LLC. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-10
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: AMERICAN EXPRESS COMPANY (PA)

i called i sent a letter amex XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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)

There is an incorrect report in my account from XXXX XXXX XXXX XXXX 
I have never used XXXX XXXX in my home and I have never stayed in the addressed.
Consumer complaint received 2022-11-10
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. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to My consumer report. Please Remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer. 

15 USC 1681 C-2 ( a ) You have 4 days from the date of this notice to comply with my demands as set forth in the context above. This will be my first and FINAL attempt to rescue this as I am prepared to litigate.
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I file a dispute with this company XX/XX/ LAW OFFICES MBA for {$1200.00}, because i didn't do this it was fraud and they denied my dispute saying that it was me i explained to them it wasn't and that i was just going through my report and there is multiple things including address that i never even lived at on my report.
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 XXXX  XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX, XXXX {$1900.00} was withdrawn from Checking A/C ... XXXX ACH RETURN SETTLEMENT DEBIT But HAS NOT RETURN to my Saving A/C ... XXXX as of this date XX/XX/XXXX. XXXX The Bank name in this issue is CHASE BANK, in XXXX, XXXX.
Consumer complaint received 2022-11-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (FL)

Beginning, Of this year XXXX I Started Checking on my personal credit. Upon Requesting a annual credit report, I discovered numerous negative derogatory reporting on my personal credit report. It was clear to me that someone committed fraud by using my name and personal information without my knowledge and authorization to obtain three separate student loans in the amounts of {$44000.00} XXXX, {$30000.00} DatedXXXX, {$10000.00} Dated : XX/XX/XXXX. All Unauthorized, Unrecognized, And Unknown. I immediately contacted the company NAVIENT I spoke to several Acct. managers and informed them that my name and information has been compromised by fraudulent activity and this loan was not authorized by me. They didn't seem to be concerned about my alert to the fraud. I requested proof of all signatures and documents They sent me a fraud package to fill out and return back to there fraud department and wait for a response. After, receiving there bogus false loan documents with Someone else name on the documents with other information on the person crossed out I was furious. I made numerous back and forward heated calls with this company it was apparent that they had no clear intention on assisting me with my issue. They where only using the opportunity to communicate to just collect as much information in conjunction to what the already had to only use it to update there system. My fraud report fell on deaf ears.
Consumer complaint received 2022-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I submitted a request to refund about {$7000.00} of my Aidvantage student loans on XX/XX/22. I have yet to have my balance update to reflect that, or hear any word ( well past the initial 6-8 week timeline they gave me ). I have called several times and continue to hear different estimates in terms of how long until I will receive this refund.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Resurgent Capital Services L.P. (IL)

Lists current creditor : LVNV Funding LLC NEVER dealt with this XXXX  company NEVER SIGNED ANYTHING NEVER GAVE THEM MY INFORMATION FRAUD INVOLVED Original CREDITOR NEVER DEALT WITH XXXX XXXX DO not have an account number ending in XXXX Charge off sate? during COVID XXXX XXXX XXXX full blown covid Are they stealing information from XXXX XXXX XXXX XXXX 

Have not paid XXXX since charge off date I have no such account never signed up with them never allowed any company to make them my creditor They are a XXXX  XXXX  company incorporated under different names How do you allow them? 

resurgent XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX .XXXX XXXX XXXXXXXX XXXX. 

Shut these XXXX  people down They call during off hours they swear at you they illegally use my home address they intimidate they are prejudice they are XXXX they think they hit on senior citizens stop the XXXX  from buying our data
Consumer complaint received 2022-11-10
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. (FL)

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  '' is incorrectly reporting 30-day delinquency on my credit file. I have made every payment in full and on time to XXXX XXXX XXXXXXXX XXXX 
I formally request XXXXXXXX XXXX XXXX XXXX remove the reported delinquencies from my credit file.
Consumer complaint received 2023-06-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion keeps sending me this dumb letter every time I mail in a Dispute. I ask Transunion to delete Inaccurate Information off my credit report, I have NO middle name I have attach my birth certificate.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Paycheck deposited Saturday XX/XX/21. 
All funds were available in account on Tuesday, XX/XX/21. On Wednesday XX/XX/21 the funds were withdrawn by bank from account because " they received a notice that the account the check was from might have insufficient funds. '' They will not attempt to collect again until XX/XX/21. Until then, they keep charging overdraft fees for all transactions made while funds were available during the times XXXX. 
Upon contacting the bank the check was from, the funds had already been withdrawn. No one knows where the money is now, and my account is over {$800.00} overdrawn.