davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. 

I have a loan with XXXX. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2024-02-27
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. (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 XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

During Early XXXX I had a loan with XXXX which was later bought by Wells Fargo, In XXXX my house was sold in foreclosure. Multiple times Wells Fargo had me sending in documents over and over, They never gave me a modification even with all the government programs, they just had me starting the application process over and over. When the house was sold I had filed bankruptcy that morning which should've stopped the sale. At the time I had 2 mortgages with Wells Fargo. I lost my house in XX/XX/XXXX. I became homeless with a XXXX old son. I went through XXXX  XXXX. I had a house for my parents with a loan with Wells Fargo in XXXX XXXX Maryland, they lowered the interest rate on that house without my knowledge but would modify the loan I had on my primary home. It was also stated that they sold my home to a sister company of theirs. I have since seen the lawsuits against wells fargo. There were a couple times that I received about {$3000.00} check due to some type of fees, but they never modified my loan. They acknowledged the bankruptcy for the 2nd home but not my primary home. They never put a foreclosure on my credit report but they sold my house and never gave me a remodification.
Consumer complaint received 2018-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MS)

In the previous complaint on National Credit Systems, they claim to have spoken to me in XXXX ( on a recorded line ). In this conversation I told whom ever I spoke with that this debt was inaccurate and incorrect. I do not owe this debt. They have not provided any information as to the origin of the debt and why it is owed.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

I received numerous computerized harassing calls to my cell phone with no indication of fraud, yet no minimum payment was due on my Home Depot card that they were calling about, I went online to try to see the issue and my account was locked. I did not have time to sit on hold with the recommended XXXX. But then they send me an e-mail letting me know I can access my account online after their cut-off time for my payment and they lowered my credit limit and charged a late fee, but now I can only make the minimum payment of double the amount. Every month I am not able to access my account near or around my due date to make the payment so they can charge a late fee. Calls show up on my phone as a potential scam.
Consumer complaint received 2023-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blockchain.com, Inc. (TX)

I've been trying to go in and out of my blockchain wallet and I have not been able to since about the XXXX or XXXX of XXXX I just recently moved a large sum of XXXX into my wallet and I'm having a lot of trouble accessing it
Consumer complaint received 2019-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2018 I entered XXXX XXXX with my offer in hand from my bankers for a pre-approval of an auto loan at 5 % interest rate. I explained in great detail that I did not want or need a loan or appreciated the numerous amount of searches that auto houses complete, my credit was XXXX and I was absolutely happy with the interest rates and that I had done my homework and knew that the rates could not be beaten. 

The sales representative presented me with a vehicle that I was interested in but it was at their XXXX location. The sales representative made arrangements for me to test drive the vehicle by taking a copy of my license and providing me with a document to sign which I was under the impression was a Test Drive consent form. 

I was driven to their XXXX location to test drive the vehicle. After the test drive of the vehicle from XXXX XXXX XXXX location to their XXXX XXXX location an approximate 15 miles, I was informed by the sales representative that purchasing the vehicle via the auto loan from my bank was not an option and that I would have to obtain financing from one of their auto financers. At this stage, I declined and left. 

I subsequently have purchased my vehicle via XXXX XXXX using the interest rate I was approved for by my bank but I have since been made aware that I have a hard inquiry that is reporting by XXXX XXXX on my files held by TransUnion credit reporting agency. It has also come to light that there are other auto  companies who have placed inquiries on and around XX/XX/2018, each of these company has been contacted and each has stated that their inquiry had been authorized by XXXX XXXX! 

I did not authorize XXXX XXXX or any other auto financing company to access my personal credit file for the purpose of obtaining a loan to purchase one of  their vehicles. I am quite aware of my financial options, before, during and after the visit to XXXX and it makes no sense to suggest that I would require financing options from XXXX XXXX 's lenders who are not able to meet the interest rates offered by my personal bankers of years.
Consumer complaint received 2023-04-06
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 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 2019-08-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC (VA)

I brought a XXXX XXXX XXXX on XX/XX/XXXX in which time I was issued temp plates through Carvana, LLC. On XX/XX/XXXX I call Carvana to locate my Plates, after speaking to the service dept. I was told someone from the local office will be calling me to tell me the plates was going to be XXXX XXXX  that day. Once receiving that call from a local employee by the name of XXXX. She explained that there was a mistake with the mileage on the title and until the mileage is corrected I would have to wait for it to be changed. So I received another set of temp plates under 30 days as an EXP date. As of XX/XX/XXXX I have yet to receive my Plates and registration for my truck and the temp plates are about to expire AGAIN on the XXXX of XXXX. I spoke to two Reps. Today that stated that they are working with their registration Dept. to correct the problem and find out whats the status. I was told that they are on hold with that Dept. and will call me back with an update which I haven't heard anything back as of yet. Mine you, I already made my 1st payment and my second is due soon with no Hard Plates or registration as of yet. I dont understand why is the process taking so long to be completed. Its been 55 days since I received the truck and nothing is being done about getting my plates to me! I need someone from the corporate registration dept.to call me with an update as to where are my plates and registration?
Consumer complaint received 2018-11-16
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: Ability Recovery Services, LLC (GA)

XXXX  has been non-compliant with removing the unverified account ABILITY RECOVERY SER XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that ABILITY RECOVERY SER was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2020-11-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I disputed an account with all three bureaus. I have attached the initial letters and also the follow up letters for all three bureaus with this one account. In the letters, you will find the dates, amounts, and inconsistencies on the account and across all three bureaus.
Consumer complaint received 2020-11-01
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: EQUIFAX, INC. (FL)

I have sent several letters to Equifax regarding information they are reporting regarding the accounts found below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX  XXXX XXXX XXXX Account # : XXXX Since XX/XX/2020, I have sent them letters asking them to verify these debts due to the fact that I have asked for " Validation '' from these alleged collectors that I have and they have not " Validated '' these debts!. Per the Fair Collections Practices Act, if a collection account can not be " Validated '' within the time frame allowed by law. ( 30 days ) the credit bureau in this case Equifax " MUST DELETE THE ACCOUNT ''. Equifax has failed to " Verify ''! Equifax has failed to " RESPOND TO MY LETTERS ''. For that reason due to the fact that they are in incomplete violation of the law, " THEY MUST DELETE THE ABOVE MENTIONED ACCOUNTS IMMEDIATELY '' That is all that I am asking for that they observe and respect the law.
Consumer complaint received 2023-01-03
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. (MI)

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 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2019 with an amount of {$300000.00}.
Consumer complaint received 2019-08-27
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. (NJ)

There are accounts reporting on my credit file as a result of identity theft. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries was not authorized by me : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX, Incorrect Names : XXXX and XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. 

I have a loan with XXXX. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2019-08-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (GA)

My name is XXXX XXXX. On XX/XX/2019, I went to check n go to  apply for a loan. They loaned me {$1700.00}. I paid {$240.00} On XX/XX/2019. I called check n go and they told me to pay off as of today is {$2000.00} and every day it increases. I did not know I was going to have to pay back so much. They put me in a loan that they knew according to my income, I could never pay off. I am mentally XXXX and on a fixed income and take care of my daughter with XXXX. Im taking them {$1200.00} today that I had saved up to buy a house for me and my daughter. They told me that this loan wouldnt show up on my credit report but its on my XXXX, XXXX, and XXXX. Please help me with this matter because Im on a fixed income and cant afford this.
Consumer complaint received 2022-06-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

on XXXX i sent in a letter certified to all three credit bureau certified mail tracking # for each letter are ( XXXX ) - ( XXXX ) - ( XXXX ) they have violated my rights under 15 U.S.C 1681 section 604 A section 2 the law clearly state a consumer reporting agency can not furnish a account with my written instructions I havent given these accounts written permission to furish these Account on my credit report as well 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Account Name XXXX XXXX Account # : XXXX
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Three Credit Bureaus are reporting inaccurate information on AMERICAN FIRST FINANCE I. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CA)

On Thursday XX/XX/2024, I bought XXXX ( XXXX ) and attempted to transfer it to another wallet. Robinhood restricted my account and requested my latest statement from my checking account used to deposit funds. I complied on Friday XX/XX/2024 and they proceeded to ask me a lot of questions regarding my knowledge on cryptocurrency and whether or not it was me trying to transfer the crypto out of my account. I answered all the questions and confirmed it was me and that no one was forcing me to send money out of my account. On Monday XX/XX/2024, Robinhood informed me that they made the difficult decision to close [ my ] Robinhood account ( s ). Since then, I sold the bitcoin ( XXXX ) in my account and attempted to withdraw my funds and have not been allowed, since my account is restricted. I contacted someone from their support team on Tuesday XX/XX/2024 and they informed me that All funds will be returned if eligible to either the accounts that deposited the funds or a linked bank account. I am concerned as to why they would hold my money without allowing me to withdraw. This is theft. It is my money. They have not provided reason for account closure nor the reason for refusing to allow me to withdraw my funds.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. XXXX XXXX /experian/ XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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 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. 16815-2 ( 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. XXXX XXXX Account is passed the statute of limitations of the New York State Consumer credit fairness act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires.the XXXX XXXX illegally reports to ExperianXXXX that my account is still valid and refuse to request account removal after settlement.