davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-08-02
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (WA)

Care Credit account through XXXX XXXX. I made a Special Arrangement to Close my account, and pay {$10.00} a month. The agreement was : it will not affect my credit report, no fees/interest. I called them because when I pay {$10.00} a month, they are asking for {$40.00}. I now have a past due amount of {$30.00}. My credit report shows late payments. This is not what I agreed to! I was promised, " do not worry '' it will not affect your credit, we will close your account, and you just pay {$10.00} a month ''. So every time I call in a payment now, they are badgering me for {$40.00} payments and say they don't see anything regarding not reporting to credit agency. All their calls are recorded! Please please help me with this, as it's affecting my credit. I was scammed. Initial arrangement was made with a man. I have called and talked with them about this, but argue. The payment plan is on file, and All their calls are recorded. Please please help me with this! This is affecting my credit and upsetting so badly. Thank You
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Was not using XXXX XXXX at this time because the state of nj had revoked my driver 's license and I canceled policy. Don't know why it was turned over to collections.
Consumer complaint received 2022-08-02
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. (CA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. despite the countless letters I have been sending to the Credit Bureaus, they have done nothing! These inquiries were never authorized and I need them to be rmoved from my Credit report as soon as possible. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 1. XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX  XXXX XX/XX/XXXX 8. XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX  XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

My card was lost at the end of XX/XX/XXXX. I went out of the country for the whole month of XX/XX/XXXX.  When I got back and the end of my trip. There were 2 charges on my card that i did not authorize. I reached out to bank and they were going to do an investigation. They sent me back a letter saying that this charges were made by me .... I just want my money back.
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

4 collection accounts that incorrectly being reported. I request full validation of these accounts as I have not authorized any services from any of these companies. If full valifation can not be done, I demand all to be deleted immediately. 
Accounts : XXXX XXXX {$420.00} XXXX XXXX XXXX- {$330.00} XXXX XXXX- {$310.00} XXXX XXXX XXXX- {$730.00}
Consumer complaint received 2018-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: JPMORGAN CHASE & CO. (NH)

My credit report shows a ffel consolidated loan..done online XX/XX/XXXX..student database shows it. But I did not initiate this..my original loan done back in XX/XX/XXXX..and made 4.5 years of payments..does not show up..on student database ..nor does any of my payment history..this has been very frustrating ... and wrecked my credit including IRS deferment of 2 years refunds..

I am trying to discover the actual lender..student database shows Chase..Chase said it purchased loan from you ... I need the computer location address..and any other information from original application..
Consumer complaint received 2022-06-02
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 XXXX XXXX, XXXX XXXX OF XXXX XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc. (IL)

Self Lender is a scam company and I'm in the process of taking legal action if this can't be resolved amicably. I at one point had both the lending account and the credit account. In order to qualify for the credit account you have to have 1 ) good payment history and 2 ) a certain amount " saved '' to " secure '' the line of credit. All in all ; all my money. Though I tried to hang on covid ran my business into the ground! I realized it was too much and I closed both accounts. On a recorded line ; their representative offered to waive my late payment fees, apply my existing savings, and XXXX out my account as a courtesy. On top of that ; they sent me a check for XXXX meaning with the credit there was still a positive balance.I decided to try again with a new smaller account and come to find out ; they been charging me late fees for MONTHS and reporting me for having missed payments. I told them via email this conversation took place with my XXXX and that they should run the call. I say this so they can fix this before it becomes huge. They blatantly ignored me.
Consumer complaint received 2018-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (IL)

On XX/XX/XXXX, I requested a copy of my report. I noticed a collection from Medical Business Bureau for {$250.00}. On XX/XX/XXXX I submitted a request for debt validation as I have no recollection of doing business with them or the original creditor, XXXX XXXX XXXX. I waited 30 days for the validation and after not receiving the requested documents, I submitted another letter on XX/XX/XXXX. As  of XX/XX/XXXX, I have not received the requested documents from Medical Business Bureau.
Consumer complaint received 2022-10-25
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Can you please let me know how you verified this information? Now if it was just a clerical error ( which does happen all the time ) then this is your chance to fix that error. 

XXXX XXXX
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

After checking my credit reports, I was alarmed to see that for my XXXX XXXX Credit Card Account, several late payments were reported that are incorrect. I have been very consistent with paying my balances with XXXX XXXX on time every month and have never been late and do not understand how any errors of this magnitude could have been reported that were inaccurate. I have communicated this issue with the creditor by mail on XX/XX/XXXX and have not been able to receive any resolve.
Consumer complaint received 2020-08-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (OH)

This is regarding Flagstar 's violation of Servicing Rules for Successors in Interest. 

After attempting to talk to someone at Flagstar on the phone, for several months, on XX/XX/2019, I notified Flagstar loan servicing department regarding loan XXXX, " This loan is in my ex-husband 's name but I got the house in the divorce. I am aware he is behind on payments - what can I do to get the loan into my name? " .I never received a response from them of any kind. 

It wasn't until XXXX, when I was made aware that the house might go into foreclosure that I was advised that my ex-husband needed to execute a third party authorization in order to speak with me since my name was not on the loan. On XX/XX/2019, I sent the requested signed document to Flagstar. 

The loan was modified in XX/XX/2019 ; however, it has come to my attention that Flagstar should have contacted me when I notified them in XX/XX/2019 as to what my courses of action were to get the house transferred to me. Had this been done, I would have taken care of that ; the house wouldn't have fallen into foreclosure and I would not be looking at a home loan that is more than {$10000.00} greater than the original loan due to my ex-husband 's violation of the court order for support payments, subsequently resulting in lack of payment.
Consumer complaint received 2020-08-05
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. (CO)

Opening this complaint in response to XXXX XXXX XXXX closing complaint XXXX and not addressing the complaint. XXXX response to XXXX was completely and totally misguided and did not address the complaint. XXXX responded about payment history etc. and the complaint was about an address! 

TO BE CLEAR - This is a complaint about an incorrect address for XXXX/XXXX for disputing credit reporting. Equifax is providing an incorrect address for XXXX/XXXX! Providing an incorrect address is a FCRA violation. Not sure who is to blame, Equifax or XXXX, but this is a FCRA violation! 

Equifax clearly lists the address for disputes with XXXX XXXX XXXX as XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The correct address for XXXX ' NC location is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. XXXX XXXX XXXX also has an address in TEXAS - XXXX XXXX XXXX, XXXX, TX XXXX. WHAT IS THE CORRECT ADDRESS for disputing information with XXXX XXXX XXXX? This address provided by Equifax has been incorrect FOR YEARS!!!
Consumer complaint received 2022-10-25
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. (LA)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX 15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c Sections ( a ) ( 5 ) States that 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (TN)

I was out on short term XXXX due to breaking my arm on XX/XX/XXXX. I had insurance on my account to pay my payments while I was out of work and I gave XXXX XXXX ALL of my doctors forms to get my payment paid. I dont know why my XX/XX/XXXX was Showing late. This is XXXX XXXX  fault not mine. Please help me get this corrected. I have been to the office on XXXX XXXX many times asking about this. They tell me to file a complaint. I HAVE AND I GET A IT STAYS ON YOUR REPORT!!! Every time.. Thank you ...
Consumer complaint received 2018-11-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY (AL)

Again, on XX/XX/2018 XXXX XXXX XXXX submitted my credit application to Wells Fargo Dealer Services where I just received the denial letter. The denial letter is bogus because it states : Excessive Inquiries in credit file - SO WHAT THIS HAPPENS WHEN A CONSUMER IS SHOPPING FOR AN AUTO. 

Number of Collections or Public Records - THERE IS NO COLLECTIONS OTHER THAN AN OLD MEDICAL BILL THAT HAS BEEN DISPUTED SEVERAL TIMES FOR UNAUTHORIZED SERVICES AND DELETED BY XXXX. THERE WAS ONE OTHER ONE FOR {$370.00} THAT HAS BEEN PAID BY MEDICAL. Just a flimsy excuse. 

Excessive Revolving Debt Utilization - NOT TRUE. ALL IS PAID IN FULL OR WILL BE PAID IN FULL AT THE END OF XX/XX/XXXX. ( See attachment ). 

Consumer deserves a fair assessment and not these weak knee excuses. ( See attachment ).
Consumer complaint received 2022-10-25
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: CAINE & WEINER COMPANY, INC. (NJ)

XXXX : THERE IS INFORMATION THAT ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. I DID NOT PROVIDE WRITTEN PERMISSION OR INSTRUCTIONS FOR THE IDENTIFIED TRANSACTIONS TO BE REPORTED ON MY CONSUMER REPORT. I AM REQUESTING THAT THE REPORTING OF THS INFORMATION BE BLOCKED AND DELETED MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK THE IDENTIFED TRANSACTIONS. THE IDENTIFIED TRANACTION ARE NOT INFORMATION RELATED TO ANY TRANSACTION BY ME AS THE CONSUMER. 
( 1. ) XXXX XXXX XX/XX/XXXX ( 2. ) XXXX XXXX XXXX ( 3. ) XXXX XXXX  XX/XX/XXXX ( 4. ) XXXX XXXX  XX/XX/XXXX ( 5. ) CAINE & WEINER COMPANY INC. XX/XX/XXXX ( 6. ) CAINE & WEINER COMPANY INCXXXX XX/XX/XXXX YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANSACTIONS FROM BEING REPORTED TO MY COSUMER REPORT WITHIN 4 DAYS FROM THE DATE OF THE RECEIPT OF THIS NOTICE. I LOOK FORWARD TO YOUR RESPONSE. 
THANK YOU
Consumer complaint received 2022-08-02
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. (VA)

In accordance with the Fair Credit Reporting Act, XXXX in the amount {$530.00} last reported XX/XX/2022, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Amos Financial LLC (TX)

Amos Financial LLC sent me an Affidavit in XX/XX/XXXX stating foreclosure on Dallas property that was filed in Illinois. Previously in XXXX I asked for verification of debt and never received it. I also never received an initial contact letter.
Consumer complaint received 2018-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (KY)

I have been battling with Citi for awhile now. I have a Best Buy MasterCard.. I noticed a couple months ago they was charging me for something called Debt Protection fee. These fees arent cheap and occur monthly. Ive been charged over {$600.00} easily from this. I was told that I enrolled in XXXX of 2007. I never authorized this and refuse to pay the fees Ive been charged for the previous years. At bare minimum the last year. When I try to call they tell me theres nobody to talk to about getting my refund for the previous year. They tell me they have to send it to someone higher up and then thats all they can do. I dont believe this, they are basically telling me I cant speak with someone that is denying these letters. Ive gotten them to send 2 letters to the higher ups and of course both times its denied. This is apparently a huge problem since Ive looked it up. How can I not talk to the people in charge of telling me no? What is the point of the job the people have I actually do get to call and talk to. They basically want me to quit trying and pay all the money and I wont.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had a XXXX phone account over 3 years ago. I cancelled service. Turned in all equipment and got service immediately from another carrier. They continued to bill me without me even knowing. I never received a bill or statement due to the fact that I relocated
Consumer complaint received 2022-08-02
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. (VA)

In accordance with the Fair Credit Reporting Act, XXXX in the amount {$530.00} last reported XX/XX/2022, has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am appalled by the ability of the Credit reporting agencies to do nothing, NOTHING AT ALL, to remove the disputed fraudulent items reporting on my XXXX and Equifax Credit reports! Upon receiveing a copy of my updated Credit report from XXXX, I hurriedly compared the updated report to my previous report to see if there are any changes at all. I was disappointed to see no change at all! There were no removal neither correction of the status of the disputed items! I have read enough to understand my rights and under the Fair Credit Reporting Act, the XXXX XXXX XXXX must comply to remove the disputed items that resulted due to identity theft. But in my case, I see here that the Credit Bureaus are negligent of their duty and continued reporting these items without proper verification which is a clear violation of the Federal law FCRA section 605b. Once again, I never received anything neither benefits due to my identity being stolen. I need the disputed items deleted completely from my Credit report! 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$17000.00}
Consumer complaint received 2018-11-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (OR)

Hello my name Is XXXX XXXX XXXX, I went to request a loan to buy a house, I contact a office in XXXX XXXX Oregon called XXXX XXXX, when they run my credit report appear a debt under my report, house loan with Chase MTG for the amount of {$98000.00} since XX/XX/XXXX with late payments till XX/XX/XXXX for the amount of {$880.00} for the last 2 years payments have made on time and I would like to know who request this debt under my name using my information. Please fell free to contact me at any time at this number XXXX