davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (AZ)

I created an account to monitor my credit and was surprised to see a collection from Helvey & Associates which dropped my score significantly. My grievance with this collection is that I received no phone call ( s ) or contact via USPS mail to confirm this collection is mine or valid ( FDCRA ). Due to this, I did not obtain the full statutory period in which to dispute the validity of the debt in question as I did not receive any initial notifications regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am name is XXXX XXXX XXXX XXXX and this This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}
Consumer complaint received 2021-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (SC)

To whom this may concern, Please note By law I can request information and debt validation on any account under FCRA 623. 

XXXX XXXX XXXX XXXX For starters, Great lakes sent me papers stating I owed an alleged debt which is a violation of 15 usc 1692b ( 2 ). Great lakes also stated that I signed papers.

Please provide me with an original copy of contract bearing my signature in wet ink to validate what you sent to the credit bureaus to " verify '' this information reporting on my credit report and in any system holding my consumer information. 

The above referenced account is on my credit report. Pursuant to 15 usc 1681a ( D ) ( ii ) ( ii ) ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I never gave you permission to furnish, sell or distribute my personal information on my credit report.

Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information are under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation of records. Failure to perform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

I contacted XXXX on XX/XX/XXXX via and requested that the inquire from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, along with XXXX XXXX dated XX/XX/XXXX be removed from my credit report. I was informed by XXXX that I needed to contact the companies directly. I informed them that these inquires took place when the freeze was removed from my account, and it was no made by me applying for XXXX XXXX card, I already have one with a 13k limited and was not looking to refinance my home, my current interest rate with XXXX XXXX is 3 % and I did not authorize either company to pull my credit report for any reason. But, I was still told to contact the companies. Due to the pandemic I had no luck with connecting with the mortgage company XXXX XXXX that could help me during this time. With XXXX card, I spoke with someone and the lady said she would send the information to the fraud/investigation department, because I only became aware of the inquire in XXXX due to the denial letter I received in the mail, I never received anything regarding the XXXX inquire. I received a letter from them stating the inquire would be removed and they would contact Experian, but it was only for the XXXX inquire, I also received a letter stating they would remove the XXXX inquire and they would only contact Experian. Please review the attached letter for XXXX and XXXX inquire.
Consumer complaint received 2022-07-28
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. (NC)

In a accordance with the fair credit reporting act XXXX  account # s has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX # XXXX XXXX XXXX XXXX XXXX {$190000.00}
Consumer complaint received 2021-07-06
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. (MN)

Contacted the department of education they stated my account is in good standing, however my credit report have a negative derogatory score. The Department of Education told me to write the Consumer Finance Protection Bureau. So they can notify the credit bureaus.
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NIC, Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a cell phone debt under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

Im accordance with the Fair Credit Reporting Act : XXXX XXXX # XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ending XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX Bank # XXXX and XXXX XXXX Bankruptcy 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 instruction
Consumer complaint received 2020-04-16
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Student Loan Finance Corporation (TN)

I received two unsecured student loans from original creditor XXXX XXXX  in XXXX Minnesota, On XXXX XXXX for {$1500.00} and XXXX XXXX for $ XXXXThe original creditor XXXX XXXX was based in XXXX, Minnesota. This Bank went out of business a short period later. I was not notified, regarding the original creditor XXXX XXXX  closer. Moreover, this debt was discharged in bankruptcy court Chapter XXXX filed in XXXX. 

I never agreed or borrowed any monies from a Student Loan Finance Corporation, or Reunion Student Loan Finance Corporation. This illegal company started XX/XX/XXXX to call me and sending me letters, stating that, I own them student loans and they was going to report me to the three credit reporting agencies. The United States XXXX called me up to go to war for the country. I was XXXX in a XXXX XXXX for 3 years and could not dispute this claim. I returned back to the states in XXXX. This illegal finance corporation started to call and sending letter again. I was declared a XXXX veteran upon my returned from combat and need help get back to normal life style and still working on this to this day. None-the-less, this debt is not valid and should have been XXXX. The consumer XXXX XXXX   never notified me of the closer and never allowed me to close out any business with them, therefore the debt was voided and closed upon their closer. Please have this illegal company to Cease and Desist all illegal activity immediately.
Consumer complaint received 2021-07-06
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. (MD)

I noticed recently as I pulled my credit report that there were some accounts that did not belong to me I have reached out to each creditor via phone and I have not got these issues resolved as of yet. These accounts are clearly in violation of my rights so I am seeking reparations for the damage and pain it has caused me and my livelihood.
Consumer complaint received 2020-04-21
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. (NJ)

To Whom It May Concern, I was looking through my credit report the other day on XX/XX/XXXX. I noticed there was 2 inaccurate hard inquiry 's on my file. On XX/XX/XXXX I called each company to see if I had an account with them in anyway they both said no so I asked them why it's there and there customer service reps were basically saying it should be removed however due to corona virus there is nothing we can do at this time. These are the 2 that i never authorized, never gave anyone any permission and is clearly 100 % fraud XXXX  hard inquiry from XX/XX/XXXX XXXX card XX/XX/XXXX they could not provide any proof that I have any such accounts with them. I asked to see proof nothing was given.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have had problems with my pre-paid debit card issued by bank of america for my Nevada unemployment insurance in which I had reported fraudulent chargers. Banknof america sent me a new card, upon activation of said new card I receive a message stating that the card had been closed. I have spent weeks trying to resolve the issue, I have called unemployment numerous of times to resolve the identity verification issues I have submitted all the requested documents which were to include birth certificate, a photo of my government issued driver 's license front and back a piece of mail with my current address listed on said mail piece. I have been waiting over 30 day to have my account re-opened, I have submitted the re-opening account form that multiple bank of america XXXX have filled out on my behalf and have submitted and as of today XX/XX/2021 I was able to see and view my money in my bank of america mobile app but after I got done speaking to a banker or representative who was very rude and I had stated that the bank had to release my money, the money that is on my account. That if I walk into a local branch with my verifying documents as to who I am such as birth certificate drivers license that my lawyer says the bank by law can not withhold my money that's in a closednaccount and must at once release any hold of my funds and hand me.the cash that was in the account at the time the account was closed. I just got off the phone with another representative and was told good luck they are not going to give me any money. The bank of america is taking so long to unfreeze my account and have basically stole my money. I want my money and they can not just hold my money and keep it from me they closed the account and my funds must be released to me.
Consumer complaint received 2023-01-06
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. (SC)

I have sent off dispute letters back in XX/XX/2022 about a billing error according to 15 USC 1681a ( 2 ) I Exclusions : " report containing information solely as to transactions or experiences between the consumer and the person making the report. Also according to 15 US Code 1666-Correction of billing errors these companies are in violation. Please update my payment history for XX/XX/2022, XX/XX/2022 & XX/XX/2022 to paid as agreed.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX XXXX : XXXX XXXX, 2022 '' my ssn : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-02-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This loan was from Bank of America for a XXXX XXXX XXXX. There was a late payment placed on my credit file for XX/XX/XXXX, which is incorrect. This vehicle was transferred/sold to a car dealer, which the bank ( Bank of America ) was paid off at that time. The transfer of the vehicle took place on XX/XX/XXXX, which is before the XX/XX/XXXX payment was due. The account is now closed but the late payment still exists on my credit file. 

I am attaching a odometer statement which shows the transfer of the vehicle to the car dealer. This document was signed by myself and the auto dealer.
Consumer complaint received 2024-09-05
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have been unable to view past communication or statements on Kohls.com website. They make it very difficult to view pertinent account info. 
I closed this account in XXXX. This week I received a credit card from Kohls paired with Capital One. I know I tried to close this account three years ago.I was told three years ago this issue had been addressed, but it was obviously dismissed. 
I spoke to XXXX at Kohls customer service today, XX/XX/XXXX to inquire as to why they sent me this card. I was told the account is still active. She did not send me a confirmation that this account is now closed, as requested. I doubt it actually is. XXXX said I also need to call Capital One now, in order to fully cancel this mess that I never signed up for. This is predatory. I want all of my info and accounts with Kohls & now, Capital One closed permanently & I want a confirmation verifying they in fact have done so. I am not & will never again be a Kohls customer.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section XXXX ( XXXX  ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " CREDIT PLUS Inquiry : XXXX XXXX, XXXX '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (IN)

Around XXXX on XX/XX/2020 I recieved a check. XXXX coronavirus stimulus. 

Myself and clearly hundreds XXXX if not more ) of people are unable to use the balance, that shows as ready to use, to make ANY purchase. I've tried various stores, food delivery services like XXXX  and XXXX, I have tried multiple only site purchases, and I have went to the ATM. It is like the card has been literally locked out. 

I made contact with customer support, sort of, ( meaning I used @ AskAmex on XXXX, which is their " quick support '' link. Nothing. They tell me to call their number, XXXX ) and I waited and waited and finally the automated response told me to please hold while they transfer me to a representative, and that my call may by monitored or recorded. It rings once, and hangs up. I've tried it with 4 different cell phones of friends ' and I also called from 2 landlines, one being the landline for a XXXX  store down the street when I tried to buy food. Nothing is working, and this is getting out of hand.
Consumer complaint received 2022-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OH)

I made a payment to XXXX XXXX on XX/XX/22. On XX/XX/22 XXXX XXXX transferred my loan to Aidvantage. On XX/XX/22 the XXXX debit cleared my checking account. As of XX/XX/22, the payment is not recorded on my Aidvantage account. I contacted XXXX XXXX and they said that they transferred all funds to Aidvantage and I called Aidvantage and they said that the payment may take 30 more days to credit to my account. It is not my fault that the portfolio was transferred and I find it unconscionable that my payment has not posted after more than 3 weeks of it coming out of my deposit account. And if after 8 weeks Aidvantage can't locate the money, retracing a transaction that occurred 8 weeks prior at another servicer will be very difficult. I want the payment applied to my loan or returned to me ASAP.
Consumer complaint received 2020-04-21
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Monterey Financial Services LLC (MN)

I want to start by stating I never agreed to sign or work with Monterey Coll Svc. However, they are appearing on both mine and my wife 's credit reports. I had requested proof of the original contract with the original creditor reflecting proof that I had acknowledge I was in agreement to work with their organization or allow for my personal information to be provided to another organization and yet they failed to respond with this information. However, they did respond with informing me they will not respond to any of my written requests again because I sent in a cease and desist letters to stop phone calls because I wanted all communication in writing. Are they attempting to get me on the phone to pressure me further to work with their organization? 

Additionally, this organization is reporting as a collection agency/attorney on my XXXX and XXXX credit reports.. isn't this against the law? To continue, this contract was entered into due to predatory lending and misrepresentation. We never agreed nor wanting to sign anything and now this Monterey Coll is continue to affect us negatively. Finally, I requested proof of all information on my credit report and what is being sent for validation as accurate and was sent a letter with no proof of validation documentation included. They are reporting a past due amount on an account I never agreed to have with them and a balance that is significantly greater than what they are saying I owe to the original creditor.
Consumer complaint received 2022-02-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

numerous calls XXXX received 6 calls from Navient at XXXX XXXX received 4 calls from Navient at XXXX XXXX received 4 calls from Navient at XXXX XXXX received 5 calls from Navient at XXXX no voice mails left, no one talked when answered. found out the calls were from Navient after doing a reverse number lookup.
Consumer complaint received 2021-11-11
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: LEXISNEXIS (FL)

Sent a letter to validate a bankruptcy on my Lexis Nexis report. As we all know, the bankruptcy courts DO NOT comply with credit reporting agencies. Who gave you permission to report on my behalf? Where did you get your information from at the courts? I want their name, number, email, address and department information.