davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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: LEXISNEXIS (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  Bankruptcy case number XXXXXXXX XXXX XXXX Bankruptcy case number XXXX all of these companies have violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give.

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, XXXX, health issues, problems in my XXXX, and paying higher interest rates for insurance, etc. According to to the XXXX XXXX Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a XXXX  to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING. This company has admitted that they found this information on public records and i DID NOT give them permission to submit this information to the credit bureaus. They went digging through public records and allowing Transunion to add this to my credit report.
Consumer complaint received 2022-12-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I HAVE BEEN DEALING WITH THIS DEBT THAT ISNT MINE FOR YEARS!

I AM A VICTIM. THIS IS RIDICULOUS. I NEED A CAR AND CANT GET ONE BECAUSE OF THIS ACCOUNT ON ALL MY CREDIT REPORTS REPEATEDLY. I NEED HELP!
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Klarna AB (FL)

The ability to make payments through their app was modified and i was not able to log in, i had to mail in a payment and then i received a late fee because i didnt make the payment on time. Their faulty app not working was the reason i couldnt make the payment on time. They refused to waive the late fee and they are threatening to issue more late fees if i don't pay the late fee
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

I had many problems with my checking account through Wells Fargo they were charging me fees that were not applicable and there was some charges on my card that I shouldn't have been responsible for but had to pay for anyway and it caused my account to bounce checks and I had banked with this Bank when it was while XXXX for many many years I never had the first problem with while XXXX but when the changeover happened I had several problems after that and also I had opened a savings account with XXXX for my son and I deposited {$100.00} into that account and when Wells Fargo bought XXXX out they had lost the paperwork to that account and told me I didn't have that account anymore because I had a fire and lost most of my paperwork and etc. However, I was going through some old paperwork of mine it was at my aunt 's house recently and I came across the account number to that account.
Consumer complaint received 2021-07-21
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. (OH)

ATTENTION EQUIFAX, XXXX, XXXX XXXX XXXX THIS IS XXXX XXXX, THIS IS NOT A THIRD PARTY REPRESETATIVE. ALL THESE STATEMENT ARE FACTUAL AND MY OWN WORDS. 

On XX/XX/2021 I sent a letter regarding accounts on my consumer report which are in violation of federal consumer protection laws and that I requested to have remove because of such reason. I've recently mailed a follow up letter on XX/XX/2021 via certified mail to address the inadequate investigations into the incorrect information you have listed on my consumer report.

Regarding the accounts named ; US Department of Education. There are four different account with four different balances, two different opening dates, and one account number. And you claim these are accurate and valid but have yet to prove it pursuant to USC 1681g.

Along with the violation listed below that has been quoted from my letter, " Pursuant to 15 USC 1681 a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer report. According to Congress the definition of a credit card is the same in 15 USC 1681 as it is in 15 USC 1602. Pursuant to 15 USC 1602 ( l ), the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice Congress said ANY card. The credit card is my social security card. '' And lastly with the major violation " pursuant to 15 USC 1692e ( 14 ) which prohibits. " The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. On my credit file it does not state the true name of the debt collector Which is a third party contracted to the alleged debt. ". If the prior investigations were done properly and under the statue of the law we wouldn't have this issue. 

When I call and relay these concerns to your customer service staff I receive rude and unsatisfying service that tends to ruin my day. I do not appreciate the harm and damages done by your agency due to your carelessness for consumers through your improper reporting methods.
Consumer complaint received 2023-03-26
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. (NV)

I have submitted 3 letters to all three credit bureaus demanding they remove several incorrect inquiry 's as well as 2 late payments that did not occur. I know I have a right to see the written documentation they used to verify the inquiry and supposed late payments. They have not provided this in the last 3 letters I've written.

I have no other choice but to take legal action against them as it has caused me real financial harm and distress.

I would like to file this complaint and see that the maximal penalty handed to these companies for their failure to comply with the FCRA.
Consumer complaint received 2022-12-01
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. (NC)

My name XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-15
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$6900.00}
Consumer complaint received 2022-12-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I sent a letter to the company, Experian, to resolve the errors on my account, and if they were proven accurate to verify the information. Experian sent me back a letter stating that they believed the letter had not come from me despite the fact I sent thema copy of my bank statement and my passport identification. The company, Experian, did not do anything to resolve those errors or prove the accuracy of the items I am disputing on my credit report. They are also extremely negligent in their identification department because I have attached below the letter referring to the errors I found on my report and I attached the proof of identification.
Consumer complaint received 2022-12-15
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00}
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordane with the Fair Credit Reporting act. The account on this list below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account Name : 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681s ( 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 crime 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 know or has reasonable cause to believe that the information is in inaccurate.
Consumer complaint received 2019-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

In XX/XX/XXXX, I applied for and received my current mortgage. It has been sold several times. The most recent sale was to FirstThird Bank this past spring. Since 53 took over servicing of my mortgage, I have had a rash of problems.

1. Most concerning is that 53 can not seem to explain clearly where my money is going or handle my requests for advance payment with any dependability. Heres why that is important. I had made 3 advance payments with MB Financial when the transfer occurred. I can not determine how or when those payments were applied. I have been unable to get a written accounting from 53 that explains clearly where those payments have gone. My top concerns is detailed in the attached statement and dated XX/XX/XXXX. Calls to the bank did have them release a different statement, also attached. This one does include due dates, but not balances. 

2. Additionally, 5/3 Bank requested a payment of XXXX to account for an escrow shortage ( Statement Date XX/XX/XXXX - statement attached ). I made the payment online in the amount of XXXX on XX/XX/XXXX - which does not appear to be applied to escrow seems to be applied to principal and it is impossible to tell what is happening in the escrow account. 

3. One last concern in that the XX/XX/XXXX account the indicate the past payment went entirely to interest and escrow. Nothing to principal. A second XXXX statement was sent on XX/XX/XXXX, its unclear why, and again, not clear what they have done. Please note that I called and asked for an audit between the two statements, but did not ask them to do anything. I was denied my request for an audit. 

Overall these statements are so convoluted I have spent hours trying to understand them. Unable to do so I elicited help from a friend very well versed in financial matters who also can not make sense of them. Calls to representatives and supervisors at Fifth Third Bank have not helped. If nothing else I hope to draw attention to the incomprehensible information available to me through their website and hope this can be addressed.
Consumer complaint received 2020-02-26
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: Experian Information Solutions Inc. (LA)

i AM A VICTIM OF IDENTITYTHEFT AND NEED THE REPORTING AGENCIES TO REMOVE THESE ACCOUNTS, WITHIN FOUR DAYS OF RECEIVING MY AFFIVIDAT
Consumer complaint received 2020-02-26
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. (LA)

i AM A VICTIM OF IDENTITYTHEFT AND NEED THE REPORTING AGENCIES TO REMOVE THESE ACCOUNTS, WITHIN FOUR DAYS OF RECEIVING MY AFFIVIDAT
Consumer complaint received 2023-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (IL)

In XXXX, I received a postcard stating that an order of default was entered on XXXX by a XXXX XXXX XXXX. I went and filled a notice of motion with the circuit court of XXXX county Illinois. I had proof that this Walmart credit card with a {$1000.00} limit, had indeed been paid. The judge told me that this was not the hearing for that matter. XXXX XXXX   purchased this alleged debt from XXXX XXXX. The problem is I don't owe this debt! I have email confirmations that prove my payments. I work as a XXXX XXXX which is considered part-time. In XXXX XXXX XXXX  was allowed to garnish my paychecks If they are more than {$740.00}, sometimes more than {$200.00} a paycheck. I have XXXX children and the money I am left with is below poverty for a XXXX person household. I need help with stoping this that is making it impossible for me to buy food for my children.
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (CA)

I purchased 3 - {$100.00} dollar google play gift cards with my credit card at my local XXXX store on XXXX XXXX 2019. I purchased them originally for my daughter who later I found out owns a XXXX device and not google. Unfortunately, gift cards are not returnable so I decided to try and sell them to someone else at a small discount due to I wanted to recoup at least some money from my mistake. Well, google trigger a possible fraud alert on my 3 gift cards and for whatever reason they will not re-activate my gift cards. I sent in pictures of the cards, receipts and even my bank statement and I get these automated responses from their representatives but no response from this mysterious back office. I find this ridiculous and unacceptable that this big corporation can just hold my money hostage as I already established who owns these cards and who purchased them. I request the CFPB take injunction action immediately and file a formal complaint on my behalf.
Consumer complaint received 2023-03-26
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. (FL)

After reviewing my file XXXX 2022. i notice some inaccurate information reporting om my file. i contact all bureaus and requested debt validation be provided. after the investigation XXXX removed the item. but Equifax ha not. under the fcra sec 609, it states that if an investigation is fount to have inaccurate, incomplete or unverifiable information. it is to be shared with all other bureaus. I have shared a copy of the investigation report showing it was deleted but Equifax continues to violate the FCRA knowingly. below is the account mentioned XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (PA)

on XX/XX/22 I entered into a XXXX XXXX XXXX with Synchrony Bank in efforts of securing a XXXX 's Credit Card. I completed the application and was instructed to call customer service. After being transferred several time, I finally received assistance from REP who then asked to verify my identity using XXXX. I attempted to complete the verification process while still on phone with rep but was denied due to light reflecting off of the back of driver license. My account was BLOCKED and unable to complete the process. I am livid as I was told by XXXX FRAUD DEPARTMENT there was no other way to verify identity. This technology glitch will result in denial of credit although I am " XXXX XXXX ''. Not to mention a HARD INQUIRY was placed on my consumer file although I did benefit from this transaction which is my right as a consumer.
Consumer complaint received 2023-03-26
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. (OH)

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 {$2800.00} XXXX XXXX XXXX XXXX XXXX {$350.00} 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 believe that the information is inaccurate.
Consumer complaint received 2021-07-21
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. (NJ)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX