davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-14
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: Nelnet, Inc. (AL)

Violations of reports on my credit report to all credit reporting Agencies without my consent for debts I do not owe according to HJR 192 and Public Law 73-10 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
(

2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Consumer complaint received 2022-07-04
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. (TX)

There was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

In accordance with the Fair Credit Reporting Act XXXX account # XXXX and XXXX has violated my rights. 

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

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-12-28
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. (MD)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I am writing to file a complaint against PenFed Credit Union regarding their practices that make it extremely difficult to pay additional principal on my auto loan. Their current procedures impose unnecessary delays and restrictions, which I believe are unfair and detrimental to consumers. 

To pay additional principal on my auto loan, PenFed Credit Union requires that I first deposit the funds into my PenFed savings account. However, this process is inefficient and problematic for the following reasons : Delay in Fund Availability : Even after the money is debited from my checking account and deposited into my PenFed savings account, the funds are not marked as available for over five days. For instance, I made a deposit to my PenFed savings account on a Monday. The money was debited from my checking account on Tuesday, but as of Thursday, the funds were still not available in my PenFed savings account. This delay prevents me from making timely additional principal payments on my auto loan.

Hindrance to Loan Repayment : The requirement to use the PenFed savings account for additional principal payments, coupled with the delay in fund availability, hinders my ability to manage my loan effectively. This delay can potentially lead to higher interest costs and frustrates my efforts to pay down the loan principal more quickly. 

These practices seem to be designed to create obstacles for borrowers attempting to pay down their loans more aggressively, which is not in the best interest of consumers. I believe that this practice is unfair and contrary to the principles of consumer protection. 

I kindly request the CFPB to investigate this matter and take appropriate action to ensure that PenFed Credit Union revises their policies to allow for more efficient and consumer-friendly methods of making additional principal payments on auto loans. Specifically, PenFed should allow direct payments toward the principal without requiring the use of their savings account, or they should ensure that funds deposited into the savings account are available for use within a reasonable timeframe. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2022-12-16
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. (TX)

FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation credit cards not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX FCRA Violation credit card payment never late XXXX XXXX XXXX XXXX  FCRA Violation collection not mine XXXX XXXX XXXX FCRA Violation other accounts payments never late XXXX  XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

After reviewing my Credit Report with TransUnion I noticed Inquiries on my TransUnion Credit Report that I did not Authorize that are not connected to any account on my credit report by these banks of dates listed XXXX XXXX XXXX XXXX Inquires Date XXXX and XXXX XXXX  Inquries Date XXXX. According to 15 USC 6802 ( d ) A financial institution shall not disclose to other agency an account number to similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent nor instruction for any inquiry to be allowed to report to TransUnion Credit Bureau. Please verify all written letters. 18 USC 1028A Aggregated Identity theft. TransUnion Credit Bureau has committed a crime according 18 USC 2028A Aggravated Identify Theft. Please remove all inquiries on my credit Report with TransUnion.
Consumer complaint received 2024-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Upon reviewing my credit report, I found inaccuracy. The XXXXcredit bureaus must validate this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is unacceptable to disregard the validation of this reporting account as unverified information without providing any proof within the legally mandated timeframe. The following account must be investigated and corrected for erroneous reporting in my file, as listed on my credit report : XXXX XXXX XXXX XXXX : {$18000.00}
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, Transunion, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (PA)

Dispute of Collection Account for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2024 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to formally dispute the collection account listed on my credit report under account number [ XXXX, XXXX, XXXX ]. The purpose of this letter is to request validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 



I dispute the validity of this debt and request that you provide the following information : 1. Verification of the debt amount and detailed breakdown of charges.

2. Proof of your legal authority to collect this debt.

3. Documentation establishing the original creditor and the nature of the debt.

4. Any agreements or contracts bearing my signature related to the debt.

Please note that until you provide the requested information, I consider this debt to be disputed. Pursuant to the FDCPA, please cease all collection activities until the verification process is complete.

I expect your prompt attention to this matter and a response within 30 days of receiving this letter. If you are unable to provide the requested information, please remove the collection account from my credit report.

Thank you for your cooperation in resolving this matter promptly. 



Sincerely, XXXX XXXX XXXX XXXX Note : It's advisable to send this letter via certified mail with a return receipt to have proof of delivery.
Consumer complaint received 2024-01-01
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (TX)

I visited XXXX XXXX XXXX XXXX  on XX/XX/XXXX in XXXX XXXX, TX and purchased a total of XXXX worth of merchandise. While at the register I placed my XXXX XXXX card in the Point of Sale Terminal ( chip inserted ) to complete my purchase. I walked out with a paper receipt and went on my way. Approx XXXX days later I received a 60 day late payment alert from my XXXX XXXX XXXX XXXX which was the first I was made aware of this account. I did NOT receive a Terms of Service, a physical card, or any other information from Comenity Bank or XXXX XXXX to indicate I had been issued some sort of credit card. To this point, I still have not received any of the disclosures or typical information I would expect after a card was opened. 

Once I was aware of the issue ( approximately early XXXX of XXXX ) I opened a case with XXXX and called Comenity bank to dispute this card. I received a response back from Comenity Bank via latter dated XX/XX/XXXX stating they did not have enough information to make a determination and to contact them, and include the account number in any correspondence ( which I still do not have as of this writing. ) Today ( XX/XX/XXXX ) I received a call and a voicemail at XXXX central time on my personal mobile phone from an XXXX NM. Although they left a message they have since placed additional calls today at : XXXX, XXXX, at XXXX and again at XXXX + voicemail, so far today, which I understand is a violation of the FTC Regulation F requirements .
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CT)

I have ordered hundreds and hundreds of gift cards online via XXXX on behalf of my son 's school for teacher gifts ( for our school 's parents ' association- we get donations and we purchase cards to give out as holiday gifts, end of the year gifts and raffle gifts ). Recently- we had 3 {$100.00} gift cards come back to us with fraudelent charges. They were never lost or stolen. The charges were mostly paypal charges. It's clear that XXXX was hacked and these specific cards were compromised. I purchase all of my gift cards online. When I called to get replacement cards, I was told by XXXX on XX/XX/2023 that I have to contact the vendors ( i.e. XXXX ). However, we know that will go no where and I believe that XXXX is at faulty for not having proper security. I have been on the phone now for XXXX XXXX hours on hold as no one will address my concerns. Amex needs to stand behind their product. If our cards were compromised because of Amex 's poor cyber security, I should not have to pay for it. 

Card numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I called on Wednesday, XX/XX/XXXX, XXXX 's customer service line and bounced from agent to agent I was told that they will not replace the card and instead I need to get reimbursed by the vendor. The vendor in this case were several vendors, mostly payday in small increments probably to hide the fraud and make it difficult to track. That to me is an unacceptable resolution. I will not make 30 phone calls to try to get {$10.00} back at a time. I then escalated it to a XXXX, but she also would not replace the cards. When I asked her to transfer me to her XXXX, I waited on the phone for HOURS. When the XXXX was " ready '' and my phone call was transferred, it only sent me back to the main switchboard. I was on the phone for XXXX hours in total waiting to speak to another XXXX. 

This should not be my problem, I should not have to hunt down these charges. Amex should stand behind their product and send me XXXX new {$100.00} gift cards as it was their poor cyber security which compromised my cards. 


Card numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO Bank, N.A. (CO)

My account XXXX my name is XXXX XXXX XXXX XXXX XXXXmy address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they took XXXX XXXX from me when i had it sent to account for checking to debit card there was three occasions he later quiet
Consumer complaint received 2023-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NY)

I recieved a variety of bills via mail from both XXXX XXXX XXXX ( {$5200.00} ) and XXXX ( {$120.00} ) in early XXXX for lines that were opened under my name without my permission or knowledge. I immediately filed fraud reports with XXXX XXXX XXXX and XXXX, a police report ( NYPD ), credit bureau alerts, and an FTC identity theft report. 

No one from XXXX XXXX XXXX or XXXX responded to my online fraud submissions- even though both confirmation emails said they would be in touch within ( 5 ) business days. I was unable to reach anyone who could assist via phone at either company after multiple attempts. I was always directed to a line that was automated and sent me to the website to submit a report. 

I then started to recieve collections notices - XXXX XXXX XXXX XXXX via XXXX XXXX ( XX/XX/22 ) and XXXX via Convergant ( XX/XX/22 ). These owed amounts should have never been sent to collections as they were fraudulent, and I reported them so. Negligence by the telecom companies to acknowledge my written documentation of fraudulent activity and to pass it off to collections agency. 

Convergant ( XXXX fraud charges collection agency ) never acknowledged my confirmation that the charges were fraudulent ( XX/XX/22 ). My XXXXredit score took a major hit ( over 100 points ), bringing it from near perfect to " fair ''.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

After reviewing my Credit Report with TransUnion I noticed Inquiries on my TransUnion Credit Report that I did not Authorize that are not connected to any account on my credit report by these banks of dates listed XXXX XXXX XXXX XXXX Inquires Date XXXX and XXXX XXXX Inquries Date XXXX. According to 15 USC 6802 ( d ) A financial institution shall not disclose to other agency an account number to similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent nor instruction for any inquiry to be allowed to report to TransUnion Credit Bureau. Please verify all written letters. 18 USC 1028A Aggregated Identity theft. TransUnion Credit Bureau has committed a crime according 18 USC 2028A Aggravated Identify Theft. Please remove all inquiries on my credit Report with TransUnion.
Consumer complaint received 2023-03-17
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.