davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX and Experian i have contacted them by mail and phone for my right as a consumer for them to report the following company that is reporting on my credit. 

the following account an date is listed below - XXXX XXXX XXXX -opened XX/XX/2019 amount XXXX 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  and any thrid party financial institution and the Consumer reporting agencies XXXX XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX ( XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " XXXX  XXXX  and credit reporting agency Neverinformed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which Is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Consumer complaint received 2024-01-19
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: Experian Information Solutions Inc. (NC)

A month 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 this things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
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. (KS)

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX to delete inaccurate or no verifiable information from my credit report. 

1. XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$3300.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

2. XXXX XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$4900.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

3. XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

4. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

5. XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

6. XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

7. XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3500.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

8. XXXX XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$5800.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXXXX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Please see screenshot attached. inaccurate data reported. 15 U.S. Code 1681e
Consumer complaint received 2018-03-14
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: Experian Information Solutions Inc. (MD)

On XX/XX/2018, I contacted XXXX XXXX XXXX and XXXX of XXXX XXXX dealership to apply for a car loan. The salesman at XXXX dealership said he was going to get me approved at XXXX XXXX which he did. Then he called me on XX/XX/XXXX and said that the bank made a mistake and I would have to put down {$20000.00} instead of {$10000.00} for them to reapprove the loan. And the XXXX inquiry on XX/XX/XXXX is not valid and should be removed. These below inquires should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID XXXX  XXXX XXXX obtained a copy of your EXPERIAN Credit Report. 
XX/XX/2018 XXXX XXXX XXXX obtained a copy of your EXPERIAN Credit Report. 
XX/XX/2018 2018
Consumer complaint received 2018-03-14
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. (IL)

I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX XXXX XXXX. My Illinois license plate was stolen and I filed a report of the plate being stolen. The individual who stole the plate ran up {$1600.00} worth of unpaid Illinois toll fees. I spoke with the XXXX XXXX XXXX XXXX XXXX  and they stated that they do not report to the credit bureaus. I have corresponded with this credit bureaus directly numerous times with no positive recourse.
Consumer complaint received 2016-10-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (NC)

I have asked numerous times for help from Sallie Mae and continuously they have done nothing but offer forbearance I finally caught back up and again ended up falling behind. Today I received a call from their corprate bank asking to help resolve the issue. After several times of being cut off from speak the lady only repeated that they have given me the loan and now I need to pay them back. When I ask for options and help she instead of offering help from the company told me to ask my friends and family for money and told me to try filing for wellfare and food stamps. They refuse to offer me anything because my loan is so small. And said all they could do is come down a dollar on my loan.
Consumer complaint received 2023-02-22
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: CORELOGIC INC (AZ)

Furthermore, as you can see from the information above, this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that them immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). they have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

There was a corporate debit XXXX XXXX XXXX, XXXX not authorized in the amount of {$2900.00} from my TD bank account on XX/XX/XXXX XXXX transfer thru an ach went to XXXX XXXX . XXXX IDENIFICATION number XXXX on line payment, not done from my initiating TD Bank. I spoke to XXXX customer service XXXX XXXX on XX/XX/XXXX XXXX ; XXXX XXXX est ... merchant she said was an online payment ph # XXXX. 
CONTACTED XXXX XXXX / XXXX XXXX @ XXXX NO SUCCESS I have been trying for one year to retreive funds with no success, from either banks..td and XXXX. NEED HELP! 
ALSO NOTIFIED THE LOCAL POLICE WHO ISSUED XXXX TO BOTH BANKS. 

STILL OUT THE MONEY, THIS IS A CLEAR CASE OF FRAUD THANK YOU! 

XXXX
Consumer complaint received 2021-05-19
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. (MO)

I have reported inaccurate information to credit reporting agencies after speaking with numerous of companies stating they did not verify anything or the mentioned account number is not valid they refuse to remove these inaccurate things and updates them as being valid. By not investigating just pressing a number on there end and saying its accurate after you dispute it. I have got unauthorized inquires and still they have yet to do anything about my dispute.
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WILKINSON LAW FIRM, P.C. (MS)

Dates are as the following : I received a Writ of Garnishment XX/XX/XXXX from XXXX XXXX XXXX. 
I contacted the Wilkinson Attorneys at Law at XXXX XXXX XXXX, XXXX, MS XXXX on XX/XX/XXXX in writing to request the garnishment be ceased. The company XXXX XXXX was paid in XXXX. 
Wilkinson Attorneys at Law never wrote back. 
I received a hard credit inquiry on XX/XX/XXXX from the company XXXX XXXX located in XXXX, XXXX . I spoke with XXXX at XXXX XXXX at XXXX. on XX/XX/XXXX he stated, he bought the debt from XXXX XXXX and XXXX XXXX charged off the debt on XX/XX/XXXX. 

I was never notified of this debt and wrote the company to advise that I was never informed. They never responded. I wrote to the County Court of XXXX County, Second Judicial District on XX/XX/XXXX. They wrote me back stating they did not receive any other court filings other than the original dated XX/XX/XXXX. 

Due to the above mentioned I am filing a complaint being Wilkinson Attorneys at  Law ( representing XXXX XXXX never responded in writing within 30 days ).
Consumer complaint received 2020-07-08
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$2600.00} XXXX XXXX {$650.00} USDEPED XXXX {$37000.00} XXXX XXXX {$24000.00} XXXX  XXXX {$1700.00} XXXX XXXX {$130.00} XXXX XXXX {$920.00} XXXX  XXXX {$1700.00}
Consumer complaint received 2018-03-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (TX)

I was in the XXXX, I was stationed in XXXX when I opened a Navy Federal Credit Union Account. I applied for a motorcycle loan and was approved, then changed duty stations to XXXX XXXX Texas. While at XXXX XXXX Texas I ended up being incapacitated, suffering from physical and mental illnesses that restricted me from taking care of myself on a physical, mental, and financial basis. With all of this being said, I now had family members taking care of my finances or supposedly taking care of all of my finances. After years of trying to rehabilitate and integrate back into the military as a soldier, I was eventually XXXX  XXXX and i'm 100 % totally and permanently XXXX. I eventually went into Navy Federal to open my account back up in which I was informed that a loan was not paid in my name and that I could not open an account. I really valued Navy Federal and did not know that an account was never paid off. Either I did not know because the proper steps to inform me was not taken or because of the medical situation that left me unable to perform in the proper mental capacity at the time hindered the people taking care of my finances from knowing how or what to pay. I really would like this all to be fixed as it is not to the fault of myself and the unforeseen physical and mental problems I endured at the time. I just want my account back because i'm a great customer and a great person. I've called and tried to give my explanation in which there was someone who tried to help but transferred me to a supervisor who was completely non-empathetic to the fact that a person could have died and had to rehabilitate themselves as a reason to help due to extenuating circumstances.
Consumer complaint received 2023-01-11
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. (OK)

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and have violated my rights XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 U.S.C 1 681 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
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (DE)

Previously was able to use XXXX with my PNC accounts. It is asking to reauthorize and after entering credentials through the XXXX service PNC does not complete the authorization. It says they've made changes that prevent it. PNC customer service can not help. PNC is blocking and recommending to use the service it promotes and restricting competing services.
Consumer complaint received 2020-07-08
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. (AR)

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report.
Consumer complaint received 2024-03-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC (FL)

In XXXX, XXXX, I got a home improvement loan with Greensky through my contractor, XXXX  XXXX  XXXX '' ( XXXX ) ; I was getting new windows. The unsecured loan came back under my husband 's name only, although we'd also submitted one with both of us listed. 2 weeks after the loan was approved, my husband died ( XX/XX/XXXX ). I informed Greensky of this, but got no response. Mid XXXX, Greensky released 1/2 of the loan so the work could be started. ( The loan was for 48 months, interest free ). Come XXXX this year, the rest of the money was still sitting in my husband 's Greensky account. ( In XXXX, I'd sent them 2 copies of his death certificate & requested I be put added as I'd be paying it off. ) In early XXXX, XXXX emailed me, asking for the balance of the bill as Greensky had ignored requests for payment. So I called. 

On XX/XX/XXXX, I spoke with " XXXX '' who said that she'd have " Customer Service '' call me. No call ever came. On XX/XX/XXXX, I received a voice mail asking to speak to " XXXX ''. I returned her call about an hour later & spoke to " XXXX '' who would have " XXXX '' return my call. She didn't. On XX/XX/XXXX, I spoke with " XXXX '' who said that " XXXX '' was unavailable, but he'd give her a message. Later that afternoon, " XXXX '' called me back & requested that XXXX invoice them for the remainder of the loan, & they'd get paid. On XX/XX/XXXX, I finally connected with " XXXX '' who informed me that the XXXX needed to invoice Greensky w/i 24 - 48 business hours in order to be paid. I relayed this to XXXX. However, when XXXX  called them, they spoke to " XXXX '' who told them I was " given the wrong information '' & that I'd need to come up with the balance " some other way ''. They wouldn't release the remainder of the loan because my husband had passed ( but they released the first half even though he'd died! ) This makes no sense to me. 

On XX/XX/XXXX, I checked & saw that the balance of the loan still sat in XXXX 's account. On XX/XX/XXXX, I called to find out what the problem was so I could determine how best to proceed. I spoke with " XXXX '' who told me that she couldn't discuss this with me unless there was a document on file stating that I was the administrator of my husband 's estate ( yet they'd discussed it briefly with me previously ). Recently, I received duplicate letters from Greensky addressed to him stating that they'd " reviewed my complaint '' but I never filed a complaint with them & have no idea what they're talking about. I don't want to see others jerked around like I've been. I'm very frustrated!!