davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (MI)

Tidewater finance report my account late 3time and I have a proof for automatic withdrawal and history of payment since 2017 !!I field dispute with XXXX and no respond called tide water they don’t wanna give a good reason !one of the agent told to call the cops and he hanged up on me !need help plzMy score dropped since they put those late payments on my credit report !I need your help or my final step to call a lawyer .thank you
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (TX)

Dear Sir or Madam : This letter is to request to dispute the billing fraud on my Chase credit card ending in XXXX in the amount of {$850.00}. they closed my case without my agreement and I have asked Chase credit card dispute team to re-open this case, but they still told me that that transaction is still valid. 

In order to support my claim. I have asked Chase credit card dispute team to check the XXXX XXXX security camera at Cashier Window between XX/XX/2017 XXXX -- XXXX ( which is the best evidence ), but they said they can not request the security camera footage from XXXX  XXXX XXXX 
When people need to withdraw the money from the Cashier window, the clerk inside window need customer to copy photo ID and sign the name, when I was trying to withdraw, I need to do the same thing, but the girl inside the window told me that my transaction was declined, I thought my pin could be wrong or there is the limit to withdraw the cash from the credit card, so I left the cashier window empty handed. 
The next morning, I got a phone call from Chase credit card, the agent told me that my credit card has been compromised, I was asked to cancel my current card and send me a new one. 

By the way, I hope the merchant can find out who is the thief in their cashier department. 

Sincerely, XXXX XXXX XXXX : XXXX
Consumer complaint received 2022-07-09
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXXXXXX 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
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Radius Global Solutions LLC (MO)

a person named XXXX XXXX started calling my family members trying to get my information. he scared my step-sister into giving my phone number. this person started calling my phone constantly without leaving a message until finally he left a vague message stating that there is a possible claim against me. since i have my work info on my voice mail he started calling my work, he left a message to my boss saying that an employee, stated my name, has a claim against her. he has caused an issue with my boss and now im worried my boss is going to fire me. i have told XXXX XXXX  on the phone and my boss has told him not to call this business but right after they hung up they called right back. the callers on saying they will file fraud charges if i do not pay my outstanding debt but have not given me a debt validation notice. they have been told to not contact my family, friends, work and myself but they keep calling. they are aggressive, rude and will not stop threatening me with fraud charges. i feel intimidated, scared and they just wont stop.
Consumer complaint received 2018-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: STERLING BANCORP (NY)

Since XX/XX/2018 I have been unable to access the " Bill Pay '' feature of my three accounts with XXXX XXXX XXXX. I have called multiple XXXX numbers, gone to the local branch several times, called the branch many times since XX/XX/XXXX when their system was supposed to be back up and usable. As of this morning, XX/XX/XXXX the Bill Pay function is still down. I am unable to tell if the automatic monthly bills will be paid at the first of the month. If they bills are not paid, as they had been in the old system, it could damage my credit report. 
All my calls, except the ones to the branch, have been recorded by the bank. They should have the support documentation if needed.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (AR)

In XX/XX/XXXX I reported to us bank that my wallet and all bank cards was stolen and asked that my account be put on hold. Well I finailly got a chance to go in a branch office in XX/XX/XXXX to take care of everything and I and I ordered new cards well us bank closed all my accounts even after I went in the branch location and the stole all my money in my account and all my refunds from XXXX and this is after I reported to them I had no access to my account at all since XX/XX/XXXX. I am hightly upset that this happened and something needs to be done about it
Consumer complaint received 2020-02-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Carvana Group, LLC (NC)

On XX/XX/XXXX My husband and I was driving on the highway and my XXXX XXXX XXXX just stop in the middle of the highway. I called Carvana on XX/XX/XXXX and explained what happened and I spoke with XXXX at Carvana at XXXX who explained that they have a limited warranty which last for only 100 days or XXXX miles whichever comes first. I explained that I purchased the car on XX/XX/XXXX, and the truck was jerking. We mention it to the sales rep and she stated that the ruck is a 8 cylinder truck and the cause could be the torque. It has not been 6 months and the transmission on the car is gone. I advised that this seems like a pre existing condition and they should fix the issue due to I still have a {$400.00} car payment to pay on a car a that doesn't work. XXXX then transferred me to XXXX who stated the same exact thing about a warranty. I ask to speak to a supervisor. They transferred me over to XXXX. XXXX returned the call back to me and explained the same exist thing. I advised XXXX that I will reporting them selling me a lemon. I just want Carvana to fix the car because I am sure this is Pre existing condition. This is not a normal ware and tear when a transmission goes out. XXXX XXXX is still requiring a payment. I cant afford to pay a car payment and pay to get a transmission on a car. This makes no sense to me.
Consumer complaint received 2018-08-24
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: PENTAGON FEDERAL CREDIT UNION (IN)

I have inquiries on my credit report on XXXX that does not belong to me from XX/XX/XXXX PENTAGON FCU, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXL XX/XX/XXXX and ive reported this to them on numerous occasions as well as sent in police reports and they refuse to take them off. I also have and XXXX/XXXX account on my XXXX in the amount of {$1400.00} that does not belong to me and is showing that is a late payment from XX/XX/XXXX.
Consumer complaint received 2018-08-24
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. (TN)

I was advised to contact you all regarding items on my credit that are not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
XXXX XXXX XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX  Transunion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX   : XXXX Transunion : XXXX ) XXXX  XXXX XXXX  ( XXXX : XXXX ) XXXX XXXX   ( XXXX : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ). 

Thank you for all your help with this.
Consumer complaint received 2022-03-10
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: Lendmark Financial Services (TX)

Lendmark financial illegally furnished information to my consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer to protect my non public personal information were violated by Lendmark Financial.

Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not gave consent to any consumer report agency to furnish my consumer report. 

Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I checked my report for accuracy and saw an account for XXXX XXXX XXXX from XXXX XXXX XXXX in the amount of {$750.00}. I have no idea where this account originated from. XXXX  agreed to delete the account from my reports.
Consumer complaint received 2018-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my account, I wrote to the three bureaus transunion, XXXX, & XXXX on 3 different occasions XX/XX/18, XX/XX/18, & XX/XX/18 requesting they Please send me copies of the documents that you have in their files as of this date that they used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting in my credit report. As i understand, federal reporting laws, particularly the metro 2 data formatted reporting regulations enacted as a result of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. it is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have only current true accurate and physically metro 2 compliant information reporting, i do not authorize you to retain any other accusations of a adverse or derogatory nature, true or not. retain or return to requisite metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant info. already or not already rectified by the other major credit bureaus as mandated by law.thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX & Experian I received a notice alert on my credit file telling me that I had an account opened under my name. I have two months worth of credit history and I have no clue where the account of XXXX XXXX appeared on my credit file and I am puzzled as to why this is appearing on my credit file. I have sent several certified letters to your company and I havent received any response yet. I have sent in letters to your company on XX/XX/2018. Its been more than 90 days and theirs still no response I dont know what the problem is. I have distressed and this is causing a major problem for me and my life. Being that this account isnt mine and its on my credit its affecting me tremendously and I believe that this fraud. I am disputing the accounts internally and I expect to see this account removed or else I will take legal actions towards your company if you dont remove this fraudulent account off of my credit file. I have contacted the creditor but I havent gotten a response at all so I want to know as to why this account hasnt been removed. I am only allowing 3-5 days.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Trident Asset Management, L.L.C. (AL)

XXXX has been non-compliant with removing the unverified account TRIDENT ASSET MANAGEMENT, LLC which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that TRIDENT ASSET MANAGEMENT, LLCwas 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 2018-08-24
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Equifax & XXXX I received a notice alert on my credit file telling me that I had an account opened under my name. I have two months worth of credit history and I have no clue where the account of XXXX XXXX appeared on my credit file and I am puzzled as to why this is appearing on my credit file. I have sent several certified letters to your company and I havent received any response yet. I have sent in letters to your company on XX/XX/2018. Its been more than 90 days and theirs still no response I dont know what the problem is. I have distressed and this is causing a major problem for me and my life. Being that this account isnt mine and its on my credit its affecting me tremendously and I believe that this fraud. I am disputing the accounts internally and I expect to see this account removed or else I will take legal actions towards your company if you dont remove this fraudulent account off of my credit file. I have contacted the creditor but I havent gotten a response at all so I want to know as to why this account hasnt been removed. I am only allowing 3-5 days.
Consumer complaint received 2019-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Years ago I wanted to pay off my higher interest loans with payment which were higher than normal/minimum. I noticed Navient 's website did not allow me to select certain loans to pay off with extra payments, everything was distributed by their system. I called the servicer and was told on the phone that I was unable to select what loans I wanted the extra payments to go towards.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I have about four accounts and all four are backed by XXXX XXXX. For whatever reason, one payment, this payment to XXXX XXXX is not getting applied correctly and the others have. Payments are being applied and this account has spiraled out of control. This happened once before and was corrected. This time once corrected I will either pay using a different method or figure out a way to pay off completely. Please waive any late fees, a revert interest rate back to lower rate if increased.
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (PA)

Our previous landlord placed some charges incorrectly on our account. We attempted to resolve it with them but they refused to remove the charges. We refused to pay and they sent the debt to collections. 

Our primary complaint is over the debt not being owed, however we have a secondary complaint that when the collections agency contacted us, we replied via certified mail disputing the debt and asking for additional evidence. They failed to respond to that letter, further indicating to me that this debt is not valid.
Consumer complaint received 2021-09-02
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: CITIBANK, N.A. (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2017 with a balance of {$9600.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Consumer complaint received 2020-07-29
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. (AL)

XXXX XXXX XXXX released protected health information to a collection agency for medical billing. By law this is a HIPPA violation because XXXX XXXX XXXX is not supposed to even acknowledge that I am a patient without explicit and written consent from me. Also the collection agency is in violation of HIPPA because they continue to report it after being asked several times to remove the protected health information. Medical bills are protected health information because the bill acknowledges that I was a patient with them which violates HIPPA. I did not give consent for this information to be released.
Consumer complaint received 2018-08-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

Dear Freedom Mortgage, Your letter dated XXXX XXXX was received the week of the XXXX. Whereas you have received payment your demand for payment and a late fee is not valid, any late fee imposed is fraudulent. Whereas the bank has verified that the moneys where deposited/transferred in to Freedom Mortgages account in XXXX, XXXX and XXXX your actions are harassment, your threats are counterproductive. As your demand for payment letter was not mailed on XXXX XXXX assuming 3 days for mail we conclude the letter was not mailed tell the XXXX of the month at the earliest. Based your customer service over the years and after speaking with your customer service and being refused to be allow to speak with a supervisor it is clear that your company is not customer oriented. Based on you letter and your actions it is your goal to force property in to foreclosure to incur fees, cost and other amounts that you see fit to impose. 
Of note XX/XX/XXXX to XX/XX/XXXX is 31 days not 33 days. 
Please provide in writing your plan to prevent further miss placement of funds.
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

My issue is with all three bureaus as well as the following collection agencies : XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX and XXXX XXXX XXXX. 
I sent a letter of verification dated XX/XX/18 to all three bureaus, but received responses that the debts were verified as accurate and the accounts remained on my credit report. 

I sent follow up letters to each bureau, dated XX/XX/18 asking how the bureaus verified the accounts without documentation bearing my signature. The bureaus failed to enforce the creditors ( XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX and XXXX XXXX XXXX to show proof of any such accounts. 

XX/XX/18, I then sent a validation of debt, directly to each of the collection agencies with either no response or responses that were not validations. 

XX/XX/18, I sent yet another letter to the bureaus stating that the companies havent responded or failed to prove the debt and to date, have not received anything from either bureau! 

Today is XX/XX/18! Ridiculous! This all literally started in XXXX and its almost XXXX. Do companies no longer have to abide by the law?
Consumer complaint received 2018-08-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

The company was always calling me to make a payment. So when I finally thought I could pay it, I put it on a debit card. Then I realized that I could not pay for it or my family could not eat. I got an email that said the payment has been submitted and if I want to cancel the payment, call a certain number. I called it and there was nothing I could do about it. The payment came out already and now I am struggling to feed my XXXX kids.