davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX & Equifax are inaccurately reporting the account listed as USDOEXXXX Account # XXXXXXXX the consumer agencies have not properly investigated this account that has several discrepancies. 

Last Verified : XX/XX/XXXX - Date of Last Activity : XX/XX/XXXX - XX/XX/XXXX Date Reported : XX/XX/XXXX - XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Creditor Type : Student Loans- Miscellaneous Finance Creditor Remarks : Account closed due to transfer - Account transferred or sold Student loan Last Payment : - XX/XX/XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-04-06
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 had reached XXXX XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-11
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 XXXX  XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My phone was stolen while unlocked 3 blocks from my home around XXXX, I ran home and tried to use find my XXXX  to locate my phone but was signed out of my device and all my emails. The hacker changed the passwords to all my email accounts. I had my friend call in a police report. The next day, I went to bank and learned the guy used all the money in my checking account. He made 1 ATM withdrawal and spent the rest of my money on XXXX. Not once did the bank ever flag and stop the transaction, despite the fact that all my debit card/account payments are usually scheduled payments to other banking institutions, utilities, or rent. I have never bought personal consumer goods on my debit card that was over {$100.00} in value. 
I filed a police report and fraud claim with Wells Fargo, but my claim came back late last week and was denied. They said it's because they think I colluded with the criminal since he used my PIN at the ATM. I don't know how he got the pin, but I don't have it on my phone or anywhere. I also had my Debit card on my XXXX XXXX so maybe he accessed it that way. It's also annoying because the money he took from the ATM was only 10 % of the total money this man stole from my account. Never have I withdrawed anywhere close to {$1000.00} at once from an ATM, yet no transactions after were stopped by Wells Fargo. In fact, the guy tried overdrafting on my account 4-5 times. I also have filed a police report with XXXX XXXX  in XXXX. The case # is # XXXX.
Consumer complaint received 2022-04-13
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. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2024-04-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: DISCOVER BANK (GA)

I applied for a personal loan to payoff a higher interest rate Credit Card. I was accepted and they were to mail the XXXX to the other institution. Sadly the check was cashed but my account was never credited for the XXXX. Discover sent it to the wrong place, and Ive been paying around {$300.00} dollars a month for almost two years now without getting my loan refunded. Discover has sent the institution many attempts to get the money verified on who and or what account this was applied with zero assistance/responsibility or response. So in closing I just feel very violated and {$20000.00} dollars is a large some of money I never received.
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (FL)

I was trying to add my car to the insurance company XXXX, they in turned tried to charge me XXXX and something to add a car that my policy was almost up and I told them never mind and I would get me some more insurance and I did with the XXXX  paying way less than XXXX something to add a car and they still ended up trying to charge me to add the car to my insurance and now has come after my credit by putting it in collection with my credit companies using the collection agency of Caine and Weiner and all this messing up my credit for car insurance I didnt have with them but with another company
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

There's so much going on with fraud and ID theft, and now that I'm paying closer attention to my report, I want to be sure it's accurate. I sent a letter to the bureau with attachments CLEARLY showing my name and address ( State ID - Social Security Card - Bill ). I don't understand why the corrections haven't been made.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There's so much going on with fraud and ID theft, and now that I'm paying closer attention to my report, I want to be sure it's accurate. I sent a letter to the bureau with attachments CLEARLY showing my name and address ( State ID - Social Security Card - Bill ). I don't understand why the corrections haven't been made.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America has falsely reported missed or no payments for XXXX and XXXX. Despite being paid up 30 days in advance Bank of america is taking zero responsibility in the bad reporting. I have complained for the past 4 months but bank of america has not fixed the issues that resulted in damage to my credit. They are also suggesting its my fault despite it being auto bill pay through the bank of america system.
Consumer complaint received 2022-04-13
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. (OK)

In accordance with the fair credit reporting act Everything has to be 100 % accurate on my credit report The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last reported is inaccurate, and the list goes on. That is grounds for removal. 


n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX with Account name : 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 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Avant Holding Company, Inc. (WA)

On the XXXX XXXX pages leading up to the Avant Credit Card application to get a new card were the words will not affect your credit score. 

On the actual application itself the same words appeared will not affect your credit score. 

I have screenshots that I took while completing the application. 

I was instantly approved by Avant for the new credit card and at the exact moment ( instantly ) that I received a confirmation email for said approval, I received an email regarding my credit report. It stated that there was new activity on my credit report. 

When reviewing the activity, my report clearly showed that the Avant ran a hard inquiry which DID IMPACT my score. It dropped my score XXXX points for a the hard inquiry. A hard inquiry though a small impact is an impact nonetheless! 

They are misleading people to apply for new cards under false pretenses PERIOD. 

Why are these banks allowed to get away with these misleading and sneaky tactics CONSTANTLY without any repercussions? Its so tiring and infuriating.
Consumer complaint received 2022-04-13
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. (IN)

I need these hard inquiries removed from my TransUnion credit report as they are all fraudulent. These hard inquiries are listed below. 

XXXX Location XXXX XXXX XXXX XXXX, FL XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX Location XXXX XXXX XXXX XXXX, GA XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Both XXXX and XXXX Removed the accounts that have issues on my account however the other day I received a letter from TransUnion stating they investigated the same accounts and found them to be valid. So regarding the federal student loans according the law a debt is only supposed to remain on your credit report for seven years, however there are accounts that state there is a XXXX balance that are from XXXX, XXXX, XXXX, XXXX and so forth that is past the seven years. Then there is a collection agency called aargon agency stating I owe them {$890.00} however I do not have a contract with this company. The company sent me a letter with the company I do owe which is XXXX XXXX XXXX XXXX  for a membership I never used. I have never contracted with XXXX XXXX, nor did I ask them to purchase my debt from the XXXX XXXX. The same goes for XXXX XXXX XXXX XXXX the creditor that does not have a wet ink signature is XXXXXXXX XXXX XXXX  never contracted with XXXX XXXX or XXXX XXXX XXXX or the Account XXXX XXXX XXXX nevada XXXX Both XXXX and XXXX removed this information from my credit report. Transunion should do the same
Consumer complaint received 2024-05-08
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. (AZ)

I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as XXXX and XXXX conduct their operations with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information. 

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for XXXX, XXXX, or any furnisher of information to credit agencies to share my personal information. 

Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution.

Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports. 

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and XXXX and XXXX are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by 15 U.S. Code 1681e.

Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately. 

In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.
Consumer complaint received 2022-04-13
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: Velocity Portfolio Group (VA)

CKS PrimeXXXX XXXX XXXX XXXX continues to list the following account as a " XXXX '' on my credit reporting causing continuous injury. 

This account was opened fraudulently, and the original creditor, XXXX has accepted this identity theft claim and are requesting that the credit bureaus remove this account. See attached letter from the original creditor. 

The " XXXX  '' is trying to collect on a debt that the original creditor has deemed as opened fraudulently. Wouldn't the original creditor have the best information? 

This is not legal!
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

This is exactly why I have had to dispute so many times since the conception of this account from XXXX! Even today after all of these disputes, they are posting payments on a charged off account for the past three months! All of the disputes that I have flled not one person at XXXX, Experian, or XXXX has ever looked at any of these disputes and here I am now again wasting my time because these XXXX idiots at XXXX lie, cheat, post XXXX info on my credit file and to this day have never shown us one signature of validation! You XXXX XXXX better get your XXXX off of my Credit report immediately I am warning you for the last time, all three credit bureaus need to me charged For lying to the CFPB because none of you have addressed these bogus payments on my credit report! XXXX you better get your XXXX Off my credit file asap or youre gon na hear from me Im tired of you manipulating my credit file And XXXX my scores up you XXXX of a XXXX this is it, Im Tired of doing yalls job and you all better get this XXXX off my credit report or Im gon na sue your XXXX in court I already have enough already get off your XXXX and do your job!
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALTERNATIVE DISPUTE RESOLUTIONS (CO)

I got a call saying they were going to serve me with papers and its my final warning but I have no received any previous warnings. When I told them I would not confirm my social security number the man yelled forcefully, Have some respect. And that it, Isnt a scam.
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MD)

I received repeated calls ( weekly ) from these types of number ( XXXX ) claiming to be representatives from Hunter Warfield. The man told me I owed about {$17000.00} to a leasing company that owns XXXX XXXXXXXX XXXX I told him I never lived there. He provided the address ( a place in XXXX ) I said I do not recognize it. He asked for my date of birth and last 4 digits of SSN to verify it was me. He said the DOB did not match but the SSN was the same. He said he would file a claim for fraud. Then ended the call. I was still skeptical so I checked my credit report and theres no such charge.
Consumer complaint received 2022-04-13
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: Mobiloans, LLC (TX)

XX/XX/2022 I contacted via Certified Mail Mobiloans llc. about an inquiry on my credit report that I did not authorize and informed them of the FCRA violation 15 USC 1681b ( a ) 3 ( f ) ( i ) and let them know that I do not have an account as defined at 15 USC 1693a ( 2 ) for review or collection. And I proceeded to inform them of more USC violations as well as civil liability damages of {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ]. I informed them that they have ten calendar days to settle or I would see actual damages which are greater than the amount. They responded stating that they are unable to pay and refused to do so, as well as remove the inquiry. 
I responded with yet another letter filed XX/XX/2022 repeating my offer and informing them yet again of their willfulness to settle and furnish inaccurate information on my credit report citing civil liability for willful noncompliance 15 USC 1681n, 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer and USC 1681q obtaining information under false pretenses. 

I received no response. 

All correspondence is attached to this complaint. and I am ready to proceed both legal counsel to seek further damages if they do not remove this inquiry, and abide by the law that they clearly are in violation of.
Consumer complaint received 2018-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

XXXX XXXX XXXX {$44.00} - Original Debtor XXXX XXXX XXXX XXXX. This debt has been paid. Account Number XXXX No Account Number listed. PLEASE REMOVE XXXX   XXXX {$230.00} - XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE XXXX   XXXX - {$830.00} XXXX XXXX XXXX XXXX, KY XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX - PLEASE REMOVE XXXX and XXXX - Original Debtor - XXXX XXXX XXXX {$170.00}. PLEASE REMOVE PAID. 

NONE OF THESE ACCOUNTS HAVE ACCOUNT NUMBERS AND THEY HAVE BEEN PAID