davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I, XXXX XXXX, am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ) and 16 CFR 433.1 ( b ). //// XXXX, TRANSUNION and XXXX are CONSUMER REPORTING AGENCY pursuant to 15 USC 1681a ( f ) ( p ). This is a dispute pursuant to 15 USC 1692g//XXXX XXXX, TRANSUNION and XXXX violated the FCRA for furnishing and reporting negative information on my consumer report that is inconsistent with the Permissible Purpose under the FCRA 15 USC 1681b. /// XXXX, TRANSUNION and XXXX violated my consumer right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ), furnishing negative information without my consent //// XXXX, TRANSUNION and XXXX reported some negative transaction information, in violation of 15 USC 1681a ( 2 ) ( A ) ( i ), which clearly states that the consumer report does not include any report containing information to as transaction or experiences between the consumer and those financial institutions///// XXXX, TRANSUNION and XXXX also violated 15 USC 1681b ( a ) ( 2 ) for furnishing the negative information in my consumer report without my written consent. ///// XXXX, TRANSUNION and XXXX also violated 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 2 ( 7 ) ( B ) for failure to send me a NOTICE OF NEGATIVE INFORMATION as mandated by the FCRA. I'm being denied credit and jobs opportunity due to XXXX, TRANSUNION and XXXX non-compliance and violation of the FCRA /////I DEMAND the complete removal of the XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX accounts including and not limited to any NEGATIVE REMARKS reported by XXXX, TRANSUNION and XXXX XXXX they were furnished without my consent ) /// NOTICE IS GIVEN : In the event XXXX, TRANSUNION and XXXX failed to comply with the FCRA , this complaint will be used as exhibit in any future federal complaint in Federal Court for the above referenced violations of the FCRA. And this account with be reported to the IRS for proper audit
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (FL)

XXXXXXXX XXXX XXXXXXXX this amount of {$4400.00} was put on my credit report I can't remeber when I exactly contacted Apple Goldman Sachs Bank but it was around ealry XXXX and I told them I did not know about such debt and they told me they would email me something to fill out never got it called them back and I got told the forms or what they sent me were in an email which was an older email I don't use they told me to check my junk mail, trash, etc.. nothing was there infromed them nothing was there in the email after that never heard from them again i've tried numerous time to get this removed off my credit report and it has been denied this has been extremely stressful for me I don't have the funds to pay for such debt it has been really fustrating and annoying.
Consumer complaint received 2022-07-20
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. (MD)

in accordance with the fair credit reporting act. the list of accounts below has violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account XXXX XXXX has violated my rights. 
XXXX account XXXX XXXX has violated my rights. 
XXXX  account XXXX XXXX XXXX has violated my rights. 
XXXX account XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Sates i have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2015-03-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (MS)

Chase BankHave put my account as a charge off and now a collection agency is trying to get interest off on a XXXX dollars which now is XXXX dollars from XXXX years ago. In XXXX to XXXX I had a nerves break down and could not work an when I did work my hours were limited. I received short term XXXX and called Chase Bank they told me not to use it that I was covered under my protection plan. Some time later they said they would put me under hardship program never heard from them again now a year XXXX got a letter at work for the XXXX and again this year from my personal office last year I was not making enough to be garnished this year they 're trying again what can I do. My number is XXXX please call
Consumer complaint received 2016-03-05
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

I purchased a vehicle from Wells Fargo in XXXX. My payments were 74 months which my car would had been paid off in XXXX. Wells Fargo state my last payment was received in XXXX. Wells Fargo states there was a balance of XXXX, but never received letter and this is now XXXX and I still have the car in my possession. Wells Fargo sold the account to XXXX XXXX, then to XXXX, and now XXXX claim they purchased the account in XXXX. I never received any mail and thought my car was paid off until XXXX someone hit my car and insurance still listed Wells Fargo as the lien holder. I called Wells Fargo and the lady was like you still owe XXXX and something, I ca n't remember the correct amount. I sent the check of XXXX from the insurance and XXXX in XXXX. Never received my title. I have a car that I do not need for some years and want to get rid of it. I called Wells Fargo for title and they said to call the people who the account was sold to. Called all the places listed in statement. Superlative wanted me to pay XXXX and I asked what happened to the money sent and told the guy XXXX, I have the receipts and need my title. Keep in mind this is not on my credit report never received mail from these people but yet they have my title. This vehicle is a XXXX in my possession and I told the guy if I still owed on this car why Wells Fargo never repossessed the car back in XXXX.I finally called XXXX back and told the guy I am seeking an attorney then he said yes a check was received in XXXX and I asked why it was not deducted from the amount owed. Keep in mind I am getting different amounts. The gentlemen at XXXX now want to investigate, but he hung up on me just as the other guy at XXXX did when I started asking about the money sent in XXXX. I am tired and just want my title because this is longer than 7 years and I need my title. They keep selling the account and no one is checking into nothing. Please help! I hope other people are not getting ripped off.
Consumer complaint received 2024-01-25
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. (FL)

This is not a duplicate complaint. This is in response to complaint # XXXX, XXXX, and XXXX. 

I am writing to express my deep concern regarding significant violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, XXXX XXXX, and Experian. These violations are specifically related to the substantial delays in rectifying inaccuracies on my credit reports managed by these agencies. Notably, these delays are a direct infringement of my privacy rights as outlined under 15 USC 1681, section 602. This section of the FCRA is pivotal in ensuring the protection of my personal information, yet these agencies have failed in this regard. 

Moreover, the severity of this issue is further underscored by the provisions of 15 USC 1681, section 604a ( 2 ), which mandates the strict safeguarding of consumer privacy. This blatant disregard for consumer privacy by these credit reporting agencies is unacceptable. 

Additionally, there are concerns regarding the reporting of late payments. As per 15 USC 1666b, a creditor should not report a payment as late for any purpose in a credit card account under an open-end consumer credit plan without proper justification. In my case, these agencies have reported late payments in contravention of this statute, and despite my clear written instructions under an open-end consumer credit plan. This is securities fraud. 

I am profoundly disappointed by the lack of urgent action taken by these credit reporting agencies concerning these errors on my credit reports. I urgently request that Experian, XXXX, and XXXX XXXX prioritize this dispute, undertake a comprehensive investigation, and ensure validation and prompt correction of my credit reports. 

In conclusion, I am relying on your immediate and decisive action to resolve this matter. Such action is not only anticipated but greatly appreciated, given the gravity of these issues and their impact on my financial wellbeing.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Here we go again! 

Omission from the credit report is a problem. Intentionally deleting data from a credit report and refusing to fix it should be a crime! It fraudulent to sell bad data and defamatory to spread incomplete and harmful data on someone. 

Equifax deleted the entire record of my XXXX revolving credit account from my credit file impacting my overall credit picture and credit score to companies paying good money for this information and who may lose money and business by rejecting a more than qualified customer. The account deleted is over 36 years old, uninterrupted, with a superior payment record, has a substantial credit limit and I use almost exclusively. It contributes substantially to my FICO score and the longevity shows highly responsible credit utilization over three decades. 

After repeated attempts to get this account back on my credit file, Equifax refuses to do so with various pretexts and excuses, even blaming XXXX for not transmitting the data- never mind that their competitors, XXXX and XXXX, have no problems. 

Today I received a notice from XXXX that my FICO score had changed - ironically, they use Equifax to generate a score. For no reason at all, it had dropped 54 points. Nothing in my finances had changed. The two standard blurbs given for what caused the drop was the length of my credit history was too short ( 36 continuous and documented credit history is too short? ) and that my credit utilization was too high ( it looks that way when you do not mention the substantial credit line I have on the deleted XXXX account ). This is a clear example of the harm against me given that XXXX routinely obtains a soft inquiry with Equifax as part of their maintenance of my account to decide on interest rates I will pay and credit limit I merit. I will continue to advocate to XXXX they change to XXXX or XXXX to get their money 's worth and complete data. 

Why did Equifax delete the record? Why won't Equifax restore it? Why is Equifax intentionally defaming my credit score? 

Today, the Equifax representative I called at XXXX simply hung up on me. That triggered my contacting the CFPB on this matter again.
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am writing to officially contest a series of errors, discrepancies, and unfamiliar accounts that have emerged on my credit report. After a thorough examination of the information provided by your agency, Please see attached letters for the inaccuracies.
Consumer complaint received 2015-08-26
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

In XXXX I purchased a mobile home with the understanding my payments would be around {$700.00}. When I went to closing after they had delivered, set up with XXXX and included my land, my payments had jumped to {$910.00}. We told them at the closing that we could n't afford these payments, but were told the house ca n't be moved, so we had no choice but to sign the paperwork. After trying to work with the several companies that bought our mortgage we gave up. Our home is now XXXX days late and they still will not work with us. Our outstanding payments with late fees are almost XXXX and the home was just appraised at XXXX. We do n't want to loose our home, but what can we do?
Consumer complaint received 2015-06-24
Product: Credit card — 
Issue: Sale of account — 
Company: FIRST NATIONAL BANK OF OMAHA (MA)

For years, I have had a XXXX Rewards Program credit card through XXXX. Many months ago I received notification that the rewards program is being discontinued and that another bank - First National Bank of Omaha - will be issuing a new credit card. 
I recently received a letter stating that my XXXX XXXX Card will be invalid as of XX/XX/XXXX and that reward points will remain until XX/XX/XXXX. 
Here 's my complaint and problem : I plan to use the reward before XX/XX/XXXX, but I do not want another credit card issued ; i do n't need an additional credit card. The Are Lingus Rewards card was requested specifically for the rewards. 
So, I contacted First National Bank of Omaha and told them what was mentioned above. They were n't sure if i would lose points if the transfer was n't accepted. 
I then contacted XXXX. They informed me that if i cancelled the XXXX XXXX card, my points would be lost, but if i rejected the First National Omaha card, the points would still carry over. 
I then called First National Bank of Omaha again saying i do not wan t their card issued. They told me XXXX ( XXXX XXXX ) has to deal with it. If I cancel the XXXX XXXX card lose all my accumulated points. 
Am I forced to accept a card i do n't want issued, one I did not apply for? 
Like many people i have multitude credit cards ; I do not need or want another one. 
Please let me know what i should do. 
Over the years I have cancelled store cards and credit cards, yet they still are listed on my credit reports. I DO NOT want another card issued. 
Thank you.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please provide me with exact documentation and processes you have used to validate this information. I request that you provide me with proof of this alleged payment being late. Please provide your method of validation on how you are reporting a collections with a past due amount as accuate.
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (FL)

XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These are all inquiries that i did not authorize. My identity was stolen back in XXXX and also i was contacted saying that my information was in a data breach and every sense i have been seeing inquires that i did not authorize. I have contacted Equifax and they stated they can not remove them and that i would have to file an FTC. I would like to have these inquiries removed.
Consumer complaint received 2017-08-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2022-07-20
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. (MD)

in accordance with the fair credit reporting act. the list of accounts below has violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX account XXXX XXXX has violated my rights. 
XXXX  account XXXX XXXX has violated my rights. 
XXXX  account XXXX XXXX XXXX has violated my rights. 
XXXX account XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Sates i have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-01-24
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-20
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 Accounts # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2015-12-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Santander bank is constantly calling and leaving robotic messages. I do not have an account with them and they are asking for someone named " XXXX ''. They call a couple times a day and leave messages saying that " XXXX '' should call and enter a PIN to retrieve her message about her account. A search on the web revealed that there have been others who have had this happen, and when they contacted Santander Bank, the agent said that they could not remove the telephone number on file. This is outrageous. I have never done business with this bank, and they have the WRONG number.