davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
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)

I have proof and I am aware that the credit reporting agency has and continues to violate my consumer privacy rights. An Identity theft affidavit was sent to the credit reporting agencies, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These accounts are the result of identity theft. Pursuant to 15 usc 1681C-2 ( A ) these accounts should be blocked from my consumer report. XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX  were also disputed several times. Pursuant to 15 usc 1681i ( A ) ( 1.A ) all disputed accounts are to be deleted while a full and complete investigation is being done. This never happened. The accounts were never deleted during the multiple disputes. I also have NEVER given any consumer reporting agency permission to furnish any of my information. According to 15 usc 1681b, a consumer reporting agency needs my consent. I did NOT give my consent.

According to 15 usc 1692k violators are liable for actual damages. Even after being informed numerous times that the information is incorrect and should not be on there, I have been injured numerous times from the consumer reporting agencies gross and negligent and willful behavior. These injuries include and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX and XXXX XXXX
Consumer complaint received 2023-03-22
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. (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 U.S.C 1681. 
XXXX XXXX acct. num. XXXX XXXX XXXX acct. num. XXXX amount {$2800.00} XXXX XXXX acct. num. XXXX amount {$420.00} date XX/XX/XXXX XXXX  acct. num. XXXX amount {$860.00} date XX/XX/XXXXXXXX XXXX acct. num. XXXX amount {$750.00} date XX/XX/XXXX XXXX XXXX acct. num. XXXX amount {$100.00} XXXX acct. num. XXXX amount {$11000.00} XXXX XXXX  acct. num. XXXX amount {$690.00} date XX/XX/XXXX XXXX XXXX XXXX XXXX amount {$14000.00} date XX/XX/XXXX XXXX XXXX XXXX acct. num. XXXX amount date {$2300.00} XXXX XXXX acct. num. XXXX amount {$350.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$22000.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$10000.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$710.00} date XX/XX/XXXXXXXX XXXX  acct. num. XXXX amount {$180.00} XXXX acct. num. XXXX amount {$790.00} XXXX acct. num. XXXX amount {$440.00} XXXX XXXX acct. num. XXXX amount {$340.00} XXXX acct. num. XXXX amount {$440.00} 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 have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-19
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Regional Acquisition Group, Inc. (AL)

On XX/XX/2019 my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/2019 I signed up for XXXX XXXX  because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (RI)

I am writing because Experian is inaccurately reporting that I have a bankruptcy on my credit record. This has adversely affected me.I have attached a letter from XXXX showing that this false reporting has caused them to change my credit terms.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it explicitly mandates that consumer reporting agencies, such as XXXX, XXXX and Equifax must conduct their responsibilities with fairness, impartiality, and respect for the consumers privacy rights. As the consumer, I assert my right, supported by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must continuously respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, classified as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in line with the written instructions of the concerned consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX, XXXX and Equifax lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, be it verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), XXXX, XXXX and Equifax are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. Equifax and XXXX are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. XXXX, XXXX and Equifax are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions. 

- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
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. (LA)

I discovered illegal unauthorized accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've neglected to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you distribute. Credit reporting laws require agencies to report only accurate credit data. Each step should be taken to ensure that the data detailed is completely accurate and correct. The accompanying data should be researched in this manner. After carefully pulling my credit report from your agency, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or inaccurate information because my personal information was impacted by the XXXX data breach and may have ended up in the wrong hands. You are filing reports negligently and inaccurately, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the corporation for violations, stress, and menstrual anguish on behalf of at least 1 % of the corporation, pursuant to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.
Consumer complaint received 2022-04-04
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. (MO)

I have proof and I am aware that the credit reporting agency has and continues to violate my consumer privacy rights. An Identity theft affidavit was sent to the credit reporting agencies, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These accounts are the result of identity theft. Pursuant to 15 usc 1681C-2 ( A ) these accounts should be blocked from my consumer report. XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX Bank were also disputed several times. Pursuant to 15 usc 1681i ( A ) ( 1.A ) all disputed accounts are to be deleted while a full and complete investigation is being done. This never happened. The accounts were never deleted during the multiple disputes. I also have NEVER given any consumer reporting agency permission to furnish any of my information. According to 15 usc 1681b, a consumer reporting agency needs my consent. I did NOT give my consent.

According to 15 usc 1692k violators are liable for actual damages. Even after being informed numerous times that the information is incorrect and should not be on there, I have been injured numerous times from the consumer reporting agencies gross and negligent and willful behavior. These injuries include and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX and XXXX XXXX.
Consumer complaint received 2019-04-10
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. (OR)

Accounts Receivable - XXXX - is reporting on my credit report for over 5 years now for an account that was paid to the original creditor prior to it even going to collections! It was sent in error and yet it is continuing to update on my credit monthly. I have contacted my attorney and the next communication will be from him if they do not remove this account from my credit report. I never even got a notice from this company. 
They just put it on my credit with no 30 day right to dispute -which is against the FCRA
Consumer complaint received 2023-03-22
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$910.00} ; XXXXXXXX XXXX XXXX Balance {$730.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-15
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. (IL)

The companies " XXXX XXXX and Experian '' continue to report inaccurate information on my credit report. I disputed the inaccurate information correctly and they claim they verified the information. I challenged the information and asked them who verified the inaccurate information? Because it's against the law to report inaccurate information on a credit report.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Consumer complaint received 2016-04-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

I am trying to streamline my FHA mortgage. I sent late payment priority mail express overnight so I would n't get 30 day late. I mailed it to the address they said XXXX XXXX va but post office said they do n't deliver to the address that they pick their mail up. Well my payment sat at post office from XXXX XXXX/XXXX/16 until they picked it up XXXX/XXXX/16 which made them show my payment late.
Consumer complaint received 2024-05-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MN)

Synchrony has sent a letter stating they will begin charging a fee for paper statements. It is my belief that they are doing this to pass on the expense of providing responsible billing to the consumer, and hoping that we all shift to eStatements. In my experience, eStatements are unreliable as websites frequently experience errors and also eStatement availability notices can get filtered to junk mail causing missed payments, additional interest, and additional fees. I would like this paper statement fee not applied to my account, I believe it is not a justifiable fee.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX capital one XXXX refused to remove a XXXX $ late fee for a bill that was XXXX $ I was sick for a week, I have always kept my XXXX payed up and never had a late fee. This month i was 3 days late login in to the website, because i had been sick. I payed the balance of XXXX $ and called them to remove the late fee, they refused. I canceled the CC instantly. Banks and leading institutions continue to XXXX the poor while making the XXXX more money then they could possibly spend. This is the reason nobody cares about the planet we live on. when the day comes that we are all fighting over cockroaches to eat, you will know that the banks and the rich are to blame. I KNOW it all ready and so do most.
Consumer complaint received 2022-04-04
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 noticed this problem on XX/XX/XXXX " I am writing to delete the following information in my file. The items I need deleted are listed in the report .I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Account name : XXXX XXXX Account Number : When account was open : 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 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 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 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 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 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
Consumer complaint received 2016-09-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Law Office of Linda Strumpf (FL)

I was contacted back in XXXX and threatened with jail and liquidate all of my assets if I did not pay for an account opened back in XXXX. The attorney XXXX XXXX has been harassing me since XXXX. When I was contacted again in XXXX I told them I already paid it off. They preceded to call my job and spoke with HR several time, called me at work harassing me so I agreed to pay so they would stop calling at work, sending a sheriff to my home to serve me. I have made over XXXX in payments and now they are sending another court document that I now owe the same amount again and additional fees totaling {$5100.00}. XXXX XXXX, XXXX. has run my credit/social security again on XXXX/XXXX/XXXX without my consent ; to retrieve my address and sue me for the same charges I have paid for twice already. This is fraud. She keeps selling the same fraudulent account ( Under XXXX, which is her husbands company ) to other attorneys to collect from me and then selling it to another attorney and tack on more fees. This is now the third or fourth attorney. When I ask for a certified letter with documents on what the account was, the charges breakdown. They tell me they ca n't but will can send me an email. Once I told them I was going to file a complaint and seek legal council, two weeks later I receive a judgment from the court. I need help, they have now contacted my employer and sent a sheriff to my office. I need some assistance as I will need to seek an attorney. The new attorney now reaching out to me is named XXXX XXXX, PA. Please help.
Consumer complaint received 2016-12-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NM)

I have a checking and savings with Wells Fargo. I was mailed a fraudulent check and my bank did not hold the check to see if it was fraudulent and I used it and now the bank will not guarantee it. Now they are demanding for me to pay it back.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WASHINGTON FEDERAL BANK (CA)

My wife and I have been working with Washington Federal Bank to secure a new construction loan to build our retirement home. We began this process XXXX XXXX, XXXX. As of XXXX XXXX, with so many delays from the bank, the construction price has escalated, and the cost of the loan has increased to the point that put the project out of our budget. 
We are looking for the bank to cover the cost of what we have spent in trying to secure the loan during the past year. Those costs are on an attached document. 
We filed all requested documents and information in a timely manner. The banks delays during this year long process has let us both emotionally drained, full of anxiety and stress. Not a good situation for my wife who has XXXX and is suppose to avoid stress and stressful situations. 
We did n't know where to turn, so we thought consumer affairs would be a good starting point. 
I have attached a number of documents for your review. 
We are able to answer any question that you might have. 

Thank you XXXX and XXXX XXXX
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CO)

I entered my Payment for 2 cards. Indgo and Desteny. Both are with the same Company and neither of the 2 went through. Both sites freeze when I attempt to make a payment. I am still within 30 days. I feel they are trying to NOT let me make a payment. 

This feels like an unfair practice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX