davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-01-28
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. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Reporting act XXXX XXXX XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Consumer complaint received 2023-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (CO)

A domestic transfer of {$5000.00} was initiated on XXXX  XX/XX/XXXX from XXXX XXXX XXXX account to my Wells Fargo ( WF ) checking account. The funds cleared XXXX XXXX on XX/XX/XXXX. By XX/XX/XXXX the funds had still not arrived at WF. I called WF XX/XX/XXXX- they recommended I cancel the transaction to receive my funds ASAP. I provided WF verbal approval to cancel the transaction. 

By Monday, XX/XX/XXXX the funds had not arrived back at XXXX XXXX. I called XXXX XXXX- they had no record of any pending transaction. I called WF shortly thereafter. WF saw the transaction was cancelled, but couldn't tell me where the money was. WF refused to provide me a 15 digit trace number stating " that is not WF policy. '' They refused to provide me a timeline, or acknowledge the severity of the issue. They could not locate the funds, and claimed the transaction was cancelled XXXX - this is a lie, and we have phone records to prove it. 

The WF rep claimed a claim was generated, but I do not believe this has actually taken place.
Consumer complaint received 2019-08-07
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MI)

I got a reverse mortgage in approximately 2006. I can't state that I was informed about the taxes I am not sure. Champion Mortgage now has the loan and I would pay the taxes then I would make payments to repay the amount. They are charging me for homeowners when I have been paying homeowners since I bought the home. I have informed Champion and I am sure that a lot of what they are trying to foreclose on is the insurance. No one there took any interest in what I had to say. I am XXXX and need help. The company looked into the taxes that was owed but did not show any credit for all the years of home owners insurance I paid since 2006.
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Company- TRANSUNION XXXX Called and was stated to file complaint with FTC XXXX 

Fraudulent Inquiries : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-28
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)

Whom It May Concern : Pursuant to 15 uS 1681a ( 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 '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 uSg 1602 ( 1 ) which is " 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. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. You guys have unauthorized use of consumer transaction and also refused to disclose to an consumer their information on file and its history. Its illegal to withhold consumer information upon request. I DEMAND TO CEASE AND DESIST ALL ILLEGAL REPORTS FOLLOWING. 

* ALL EMPLOYMENT ( XX/XX/XXXX ) * ALL inquiries unauthorized to furnish * REMOVE ALL COLLECTION HISTORY and keep the amount on file * INVOICE {$1000.00} per individual action
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2024 XXXX
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX OF XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-01-28
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. (NY)

Whom It May Concern : Pursuant to 15 uS 1681a ( 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 '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 uSg 1602 ( 1 ) which is " 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. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. You guys have unauthorized use of consumer transaction and also refused to disclose to an consumer their information on file and its history. Its illegal to withhold consumer information upon request. I DEMAND TO CEASE AND DESIST ALL ILLEGAL REPORTS FOLLOWING. 

* ALL EMPLOYMENT ( XXXX XXXX XXXX ) * ALL inquiries unauthorized to furnish * REMOVE ALL COLLECTION HISTORY and keep the amount on file * INVOICE {$1000.00} per individual action
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (LA)

I joined Gemini as it was said to be a highly trusted company in many reviews. After giving it a try and depositing money they have froze my account. So while they have my money i cant do anything with it and cant withdraw it. I have been trying to contact them via Email and XXXX for over a month and they dont repond. the phone number is fake. After getting on XXXX, reviews from app store on phone, and many forums i now realize they are doing this to many users and some have been trying get them money back for 6 months now. This website is a scam and after i get my money i will never deal with them again ever. 

Gemini Trust Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: R.M. Galicia, Inc. (CA)

Progessive Management Systems is not respecting my rights as a federally protected consumer under 15 U.S. Code 6802 to opt out of reporting to non-affiliated third-parties.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc. (NY)

In accordance to the fair credit reporting privacy act. XXXX account Self XXXX has violated my rights. 
15 USC 1681 section 602 States I have the rights to privacy.

15 USC 1681 section 604 A 2 States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an opening end Consumer Credit plan late for any purpose.
Consumer complaint received 2022-01-28
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)

Hello, I am writing to file a complaint against the Credit Bureaus for numerous FCRA violations on my credit report. First is for Chapter 13 Bankruptcy. For one, the information reporting is incorrect. The date file isn't consistent across the board and its showing the incorrect court name. If I am correct under FCRA everything reporting has to be 100 % accurate. I have sent over 6 rounds of letters and they have ignored my request which is a violation. Also, I reached out to the courthouse and they advised they DID NOT release my personal information out so they have lied about their method of verification. I am upset the credit Bureaus are falsely verifying and reporting this! Delete this from my credit report as once because I have the right to exercise rights as a consumer and challenge any negative item on my report,
Consumer complaint received 2022-01-28
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)

Unauthorized accounts that I never opened are being reported : XXXX XXXX Opened : XX/XX/XXXX {$2500.00} XXXX & XXXX Opened : XX/XX/XXXX XXXX
Consumer complaint received 2022-09-28
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
DEPTEDXXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report 2. there is some inaccurate information reporting. 
DEPTEDXXXX  Account XXXX : XXXX Please remove this inaccurate student loan from my report 3. The following status is Incorrect and unverifiable DEPTEDXXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report 4. there is some inaccurate information reporting. 
DEPTEDXXXX  Account XXXX : XXXX Please remove this inaccurate student loan from my report 5. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ID)

I was advised to consolidate my loans through Navient 25 years ago. I have religiously paid my student loan for 25 years now. 

I have applied for Student Loan Forgiveness on 3 different occasions because I have worked for a XXXX XXXX for the past 25 years. I am a XXXX XXXX XXXX and would qualify for loan forgiveness under the highly qualified loan forgiveness program in addition to working for a low-income school. I am disheartened because I was denied the Loan Forgiveness program because I consolidated my loans one year prior to the law being passed. 

Each time I inquired why my loan could not be forgiven NOT one EMPLOYEE at Navient has educated me that I could possibly qualify for loan forgiveness under the Public Loan Forgiveness Act and I had to seek loan consolidation through a federal student loan agency. My student loan would have been forgiven thousands of dollars ago.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (CA)

US Bank shows two credit card accounts in my name. I explained to US Bank that these cards, the bank account and the supporting bank accounts were all opened online with only copies of my personal info and social security card necessary. I filed a valid police report, FTC report and submitted the info. US Bank said, since my name was on the account and payments were made from a fraudulent bank account, these credit accounts must be mine. I sent their fraud unit the reports of fraudulent use of my personal info. in police and ftc reports again. Still, nothing changed.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account does not belong to me, this information is inaccurate and affecting my livelihood. Per UFC 1681c-2, I want this account removed from my consumer report.
Consumer complaint received 2022-01-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp. (FL)

XXXX XXXX XXXX Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it. Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Fact, XXXX is aware and has proof in attachment labelled as Exhibit A that XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE is in violation of 15 USC 1605 ( a ) ( c ). This transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligor 's loss, and or property damage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, did not include my insurance in my finance charge. Fact, XXXX is aware and has proof in attachment labelled as Exhibit B that XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, in fact XXXX cash as shown in attachment labelled as Exhibit B. Fact, XXXX is aware and has proof in attachment labelled as Exhibit C that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, in fact called my telephone over 19 times with the intent to annoy, abuse or harass me, under the provisions of 15 USC 1692 ( d ). SOUTHEAST TOYOTA FINANCE, in fact called me numerous times in an attempt to collect a debt. Fact, XXXX is aware and has proof in attachment labelled as Exhibit A and Exhibit B that XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, is in violation of 15 USC 1611. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHEAST TOYOTA FINANCE, willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civil and criminally liable.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 2022-01-28
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)

The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TN)

XXXX is not allowing me to purge data that- is beyond statute. Is inaccurate. Is no longer appearing on other bureau files. This is creating an extortion on " old debt claims '', none of which have legal standing. This is harming me. It is keeping me from opening a bank account, from being able to open credit cards- or other loans. I demand this stop. I demand all data beyond 2 years be purged. Nexus as well. No more verify me w 7+ years of data before we attempt to act, nonsense. You were never given permission to collect this data- IT WILL BE REMOVED AT ONCE.