davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (HI)

Recently, I tried to pull my credit report from XXXX but the representative can not verify my identity because of My SSN on the record from XXXX  is not mach the record and my SSN is with me for 11 years already, now I'm not even be able to pull my credit with my SSN, that is really inconvenience for my life Please help me with the issue for correct my SSN with XXXX
Consumer complaint received 2022-06-26
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 15 U.S.C 1681 section 602 A. states i have a 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 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX was a personal installment payment account that was paid off in full. When paid off the 60 days past due showed up on my account. I called them back to have this cleared and they said they would. I now just took a look at my report and it is still there showing 60 days late payments.
Consumer complaint received 2022-06-07
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. (NC)

15 USC 1681 Section 602 states that I have a right to privacy. My privacy continues to be violated.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. I have never provided written instructions nor given permission.

15 USC 1666B states 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 2021-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

I applied for TEPSLF back in XXXX I have not heard anything back yet. I believe I have made more than enough qualifying payments to FedLoan Servicing to have the balance of my federal student loans forgiven.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Consumer complaint received 2021-07-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (GA)

I have been a costumer of Exeter Finance since XXXX. The auto loan company submitted 6 late payments during the year of XXXX that was inaccurate due to my contacting them and making them aware of the late payments due to unemployment because of the COVID pandemic. I was advised on a recorded line that they would accept payments late without reporting it as such to the credit bureaus because of the extenuating circumstances at the time. After bringing this to the companies attention they still have not correct the information submitted to the bureaus.
Consumer complaint received 2022-06-07
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. (LA)

I sent the letter off, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 12 USC 1681 I have the right to privacy. Also according to 15 USC 6802 NO financial institution is not supposed to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-06-07
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Consumer complaint received 2022-06-07
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. (CA)

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
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PNC Bank N.A. (CA)

BBVA was a personal installment payment account that was paid off in full. When paid off the 60 days past due showed up on my account. I called them back to have this cleared and they said they would. I now just took a look at my report and it is still there showing 60 days late payments.
Consumer complaint received 2022-06-07
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: Fidelity National Information Services, Inc. (FNIS) (FL)

CHEXSYSTEMS ATTN : CONSUMER RELATIONS XXXX XXXX XXXX. XXXX XXXX XXXX, MN. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl. XXXX CONSUMER ID : XXXX RE : XXXX XXXXXXXX XXXX RE : XXXX XXXX RE : PREVIOUS DISPUTE LETTER RE:3RD CORRESPONDENCE FAILURE TO COMPLY Dear Sir/Ma'am, DELETE ACCOUNTS FOR FAILURE TO PROVIDE ALL REQUESTED DOCUMENTATION AFTER SUPPOSED VERIFIED RESULTS I XXXX XXXX/Consumer to ChexSystems in response to your continued VIOLATIONS to my request for PROOF of your agency verifying the above accounts.

This is my 3rd and FINAL attempt to have this issue resolved with your agency. I am demanding your agency permanently remove/delete the above items for failure to provide proof of your re-investigation. As you continue to violate my Consumer Rights by ignoring all requests listed here as well as requests in previous correspondence. 
CHEXSYSTEMS IS MISREPRESENTING MY CHARACTER FOR MONETARY GAIN BY COMPILING INFORMATION AND SELLING IT TO YOUR CLIENTS, VENDORS, STAKEHOLDERS, AND/OR, ANY FINANCIAL INSTITUTIONS. CHEXSYSTEMS PAID PROCESS IS AFFECTING MY LIFESTYLE, MY FAMILY, MY PRIVACY, MY HOUSEHOLD, AND MY BUSINESS. WHAT IS CHEXSYSTEM MONETARY GAIN FROM COMPILING, SELLING, STORING, AND RETRIEVING ANY/ALL OF MY INFORMATION IN THEIR SYSTEM? HOW MUCH IS MY CONSUMER PROFILE WORTH ON YOUR SYSTEMS?

I PREVIOUSLY requested CHEXSYSTEMS FULL BACKGROUND INCLUDING ALL KEY COMPONENTS, MAESTRO FORMS, QUALIFIED, and COMPONENT, OFAC, IDV PASS/FAIL DETERMINATIONS AND PROCEDURES USED, DATA TRANSFERRING SYSTEMS, CLEAR DEFINITIONS OF YOUR CATEGORIES AND HOW YOUR CLIENTS CHOOSE BETWEEN THOSE CATEGORIES. I REQUESTED ORIGINAL BANKING CONTRACTS, CANCELED CHECKS, AND SIGNATURE CARDS FOR BOTH ACCOUNTS YOU ONLY SENT 1 SIGNATURE CARD, YET REPORT TWO ACCOUNTS, NAME, ADDRESS, PHONE NUMBER, AND TITLE OF PERSON CONTACTED AT EACH FINANCIAL INSTITUTION.

I AM NOT REQUESTING YOU RE-INVESTIGATE ALL YOU CONTINUE TO SEND ME ARE BANK STATEMENTS. THIS IS NO LONGER A DISPUTE ABOUT IF THE ACCOUNTS ARE MINE OR NOT AT THIS POINT. CHEXSYSTEMS HAS LOST THE PRIVILEGE TO DELETE THE ABOVE ACCOUNTS. CHEXSYSTEM IS IN VIOLATION OF MY RIGHTS AS A CONSUMER Your continued silence is unacceptable. 
15 USC 1681n - Civil Liability for Willful Noncompliance - Commerce and Trade 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 USC 1681i - Procedure in Case of Disputed Accuracy FCRA 611 ( ( a ) THIS IS NOT A REQUEST FOR A 3RD RE-INVESTIGATION AS YOUR AGENCY HAS LOST THAT PRIVILEGE. CHEXSYSTEMS REFUSES TO SEND ME THEIR METHOD OF VERIFICATION AFTER A SECOND RE-INVESTIGATION I DID NOT ASK FOR A SECOND RE-INVESTIGATION. I ASKED FOR A PERMANENT REMOVAL/DELETION OF BOTH ACCOUNTS DUE TO THEIR FAILURE TO PROVIDE THE REQUESTED INFORMATION MOV AND FILES/DATA FORMS SHARING THROUGHOUT THEIR SYSTEM.
Consumer complaint received 2022-06-26
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)

I have fraudulent inquiries on all three of my credit bureaus that I do not recognize or I didn't authorize I have a identity theft report attached with all the fraudulent inquiries
Consumer complaint received 2021-07-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (GA)

Today is XXXX yet my XXXX  credit report is showing information from XX/XX/XXXX. Neither of the other two credit bureaus are showing up to date information either. This is problematic because it's showing more than double my actual balance on the account.
Consumer complaint received 2022-06-07
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. (NC)

15 USC 1681 Section 602 states that I have a right to privacy. My privacy continues to be violated.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. I have never provided written instructions nor given permission.

15 USC 1666B states 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 2021-10-09
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: MidAmerica Mortgage Inc (TX)

For one i have multiple. Inquiry within the grace period. That all should be counted as one. 30 days i do believe. Or 15 either way it's in that time period. Secondly I've only approved one to run my credit. The others should not have ran my credit so. Idk why i have 3 others. I need these removed immediately because now it is affecting my credit and makes it look like I am searching for more credit when I'm not I'm trying to build my credit and this is messing with it I only approved one not four
Consumer complaint received 2021-07-12
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: SYNCHRONY FINANCIAL (AL)

Re : Unauthorized Credit Inquiry To Whom It May Concern, I received a copy of my credit report and discovered a hard inquiry from your company. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. Please remove this hard inquiry from my credit file as soon as possible. 

Please forward proof to me at your earliest convenience or send a request to the credit bureaus to have them remove this error. It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score, I will move forward with bringing this information forth to a judge in my area if this information is not corrected.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 


XXXX Acct # XXXX has violated my rights XXXXXXXX XXXX Acct # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

Navient solutions has never once actually sent me any loan deferrment paperwork and without any notice or further contact to actually send what they said they would and even email the paperwork for deferrment on payments, they have reported me to credit bureau for nonpayment Not once not twice but 4 times every month the last four months and have ruined my credit score. They have shown no support or follow through with anything they said they would either via paperwork mailed or sent via email and every month they have the audacity to keep reporting me for nonpayment of a wrong amount and interest on top of it all to the credit bureau.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NE)

For 3 months unbeknownst to me someone was taking money out of my business account. The total of {$6500.00} I noticed it on XX/XX/XXXX. Because I didnt report it sooner, they only refunded {$1300.00}. They have repeatedly refused to return the money. The businesses were not real businesses and I was never alerted to these withdrawals. This was from XXXX through XXXX.
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (PA)

My student loan account was supposed to be on a 6 month forbearance status as of XXXX 2019, however in my credit report file it states in XXXX of 2019 my loan was 90 days past due, and in XX/XX/2019 it was 120 days late.
Consumer complaint received 2022-09-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO Bank, N.A. (IL)

I took out a vehicle loan with BMO bank in XXXX. The car was registered to XXXX  and I registered it in XXXX to XXXX. In XXXX I fully paid off the loan receiving the attached thank you letter and Illinois title for my car. 

Two years since paying off my car, I'm told I can not renew my plates because my cars title is registered in Wisconsin and the title in my hands is void. The Illinois DMV only had so much information saying this new Wisconsin title was created in XX/XX/XXXX and that BMO was attached to this creation somehow.

Now my plates are expired while I'm running around between XXXX  DMV, Wisconsin DMV and BMO essentially stuck in a circle of every place blaming someone else.

XXXX  has stated that because BMO at some point requested a title back in XXXX it overpowers the new title I had made that has been valid for the past XXXX  years. The reason it took up until this year to be published was it just updated in the " national database ''. 

Currently XXXX  is in the process of trying to void the XXXX  title for me so it will make my XXXX  title valid but the expenses are piling on as I don't have my own garage and the parking lot tows expired plates.
Consumer complaint received 2022-06-07
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. (GA)

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

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, 1XXXX XXXX  XXXX Account XXXX XXXX has violated my rights ; 2. XXXX XXXX XXXX Account # XXXX has violated my rights ; 3. XXXX XXXX Account # XXXX has violated my rights ; 4. XXXX XXXX Account # XXXX has violated my rights ; 5. XXXX XXXX  XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights ; 6. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights ; 7. XXXX XXXX XXXX Account # XXXX has violated my rights and 8. XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights.
Consumer complaint received 2022-06-07
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. (VA)

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. MY SS HAS BEEN FLAG AS LISTED ON THE DARK WEB
Consumer complaint received 2022-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

On XX/XX/2022 I was checking my bank ( USAA ) account and saw that my savings account showed {$32000.00} was transferred out of my account without my knowledge. I immediately contacted a USAA rep by the name of XXXX and asked my questions about my complaints and he would forward to the Fraud Dept. of USAA. He said check back in 5 days. While I waited I looked closer into my saving account and saw that there were XXXX transfers from my account, in the amount of {$5100.00}, {$10000.00} and {$15000.00}. They were transferred into two other USAA Savings accounts. All these transfers were on XX/XX/2022. I was never notified by USAA that these transactions were happening. A Red Flag should have went up when they all happened in one day. To this day no notification from USAA. On XXXX XX/XX/2022, I called USAA and was forwarded to a Rep name XXXX, Security Specialist ( XXXX Ext XXXX. Again, she asked many questions about my account and I changed my user name, password and pin. She asked my to verify names of my account. My wife, XXXX XXXX and my daughter XXXX XXXX. She had two additional name as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX and XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. I replied I have no idea who these ladies are. These two names were added to my account with new Savings Accounts and this is where the funds were transfered and later withdrawn from these accounts, apparently the funds could not be tracked. I told XXXX ( USAA rep ) I never authorized the name or the transfers. She told me to check back on XX/XX/2022 and I did. She pulled my file and it stated this was not identify theft and I was liable. I said I don't what the correct wording is, but my account was hacked or compromised and that the bank did not protect or secure my funds and trying to put this as my fault. She resubmitted the claim to Fraud Dept. and check again in three days. I asked her if I could speak to someone in Fraud Dept. she said no and I would to get back with her. I think the bank ( USAA ) is blowing me off and not accepting their failure and responsibility of safe guarding my saving account. Why do I use a bank, to protect my assets. I need your help!!!!
Consumer complaint received 2018-11-21
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: LOAN TO LEARN (FL)

Private Student Loan Account has been disputed with XXXX Credit Bureau. It continues to update monthly showing as over 120 days late. The Loan was originally with Loan to Learn. The account was included in a bankruptcy and is not backed by the government. Each time I dispute the information and submit proof from my Bankruptcy it shows that it was verified with the lender. When I called XXXX  to get the contact information for the company the number I was given was XXXX. That number is no longer in service. The website for Loan to Learn only has a mailing address and email. I have written both with no response. The other two credit bureaus : XXXX and XXXX both show that the account is closed and was listed in the Bankruptcy. 
This has been disputed 4 times. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and again today XX/XX/2018. I have no options to speak with some one to clear up this account one way or another.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

i had ask for my credit report from all 3 credit reporting i got my report from XXXX, AND XXXX XXXX BUT NOT EQUFAX SO I CALL THEM TODAY XX/XX/21 I WAS ON THE PHONE FOR ALMOST ONE HOURE THEY KEEP PUTING ME ON HOLD I ASK TO SPEAK TO A MANAGER BUT THEY KEEP PUTING ME ON HOLD FOR LONG TIME SO AFTER 1 HOUR I JUST GIVE UP. 

JUST WANT MY CREDIT REPORT FROM EQUFAX
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting