davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-27
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. (NY)

This is the last warning for Experian to remove this XXXX account and the others that are IN pending status in the process from my consumer report. I have attached correspondence between XXXX. of education and me, where I demanded them to cease and desist this account. XXXX is fully aware of the cease and desist, during the transparency between XXXX and I, I also cc 'd Experian letting them know that I demanded a cease and desist on all medium so XXXX corresponding through consumer report is also communication indirectly THATS A VIOLATION. I also demanded FROM Experian through multiple mediums that I wanted them to remove XXXX and the rest of the accounts that are in pending status from my consumer report. When I corresponded with Experian via telephone I made them fully aware of my rights as a federally protected CONSUMER, as pursuant to 15 USC 1681b ( a ) ( 2 ) permissible purposes, that I never gave written permission/instructions to furnish anything on my consumer report. AS IT STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They argued with me using abusive PRACTICES stating that whatever the creditor furnishes to them they have to keep it there. I let EXPERIAN know THAT they are not honoring the FCRA. They are in violation. I just got another update XX/XX/2022 ON MY EXPERIAN REPORT after I DEMANDED them to remove THESE from MY report. I also have a right to privacy as a CONSUMER AS PURSUANT TO 15 USC 1681 ( A ) ( 4 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I DONT WANT ANYMORE STALL TACTICS REMOVE IMMEDIATELY. THERE IS NO NEED FOR EXPERIAN TO GET PERMISSION FROM A FURNISHER WHEN ACCORDING TO THE LAW IT STATES I HAVE ALL RIGHTS AS A CONSUMER TO HAVE THESE ACCOUNTS REMOVE WITH MY INSTRUCTIONS AND I WANT THEM TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (CA)

I defaulted on a Navy Federal Credit Card. I had been unemployed with no funds to pay. Finally got a job, catching up on household bills and kids needs. Navy federal took my paycheck of {$1700.00}. I was aware that I defaulted but never was told that they could take a huge check in that amount. I pleaded with them to reverse my pay check because they were leaving me with no money for food or gas. They refused to reverse it but said I could set up future payments. I explained to him I was trying o get on my feet and that I would set up a payment but to please reverse the funds.He refused. I think customers should be aware of this clause because I wasnt until after they took my pay check. Who gives them the authority to take a whole paycheck, they should not be able to take over a certain amount because they havent even sued me. No judge gave them authority to do so.
Consumer complaint received 2022-03-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.

Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws.

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2022-10-20
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. (TN)

I've had several fresh start accounts with XXXX. One of the accounts had a credit limit of {$200.00}. I opened this account in XXXX of XXXX and I paid this account in full XXXX of XXXX. Instead of the Credit Reporting Agencies stating on my consumer report the account is paid in full an in good standing, it's states it's included in a bankruptcy and has been charged off. I've requested that this account be investigated and corrected in the past, but it remained the same. My last name was XXXX when I opened the account.
Consumer complaint received 2020-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon reviewing my current credit files it seems to be a decrepency via an account inwhich allued me to believe someone must at some point used my identity to forge such an manipulation. Now I'm demanding that this account not only be removed but blocked as well. 

1 ) ; XXXX XXXX XXXX {$120.00}
Consumer complaint received 2021-05-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$2500.00}, {$100.00}, {$2000.00}, {$76.00} {$2800.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XXXX XXXX XXXX  with a credit limit of {$2500.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 



-STUDENT LOANS- 3. DEPT OF EDUCATION/XXXX XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$2000.00} -This is not my account. 







-COLLECTION- 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$76.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$2800.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Consumer complaint received 2019-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-10-31
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NE)

Fay Servicing , LLC escrows money from my monthly commercial mortgage ( property located in XXXX ) to pay insurance and taxes. I've been requesting that payment be sent for months ( calls since XX/XX/2022 ) and have proof in writing since XX/XX/2022 ( I can forward emails ) and the insurance will be canceled tomorrow due to non-payment. Requests for call-backs from management are ignored, phone tree to reach someone is approximately 4 minutes, one can't speak to the XXXX personnel directly, and overall the customer service is non-existent. This will be the 3rd time an insurance policy is canceled due to Fay Servicing 's failure to pay followed by tons of excuses and lack of accountability.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

Regarding information about a said XXXX bankruptcy that never happened ) ... ... Please update this file to show that XXXX has removed the data from MY CONSUMER REPORT ... ... See File ... ... XXXXThe Fair Credit Report Act outlines 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies ... ... This is a breach of the Fair Credit Report Act if the Credit Bureaus do not update my file to show a fair and accurate report.

As stated before ( a bankruptcy never happened ) This must be removed immediately as it is an erroneous record ... ... PLEASE REF CASE NUMBER XXXX ON SUBMITTED FILE
Consumer complaint received 2021-09-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

SunTrust, now Truist, bought my mortgage from the originator in XXXX of XXXX. They did not assess the loan after purchasing it, paid the property taxes and let an escrow shortage continue for 10 months. This has resulted in a {$5700.00} escrow shortage that is due to increase my mortgage payment by over {$730.00} per month on XX/XX/XXXX. They offered to stretch the shortage over 24-36 months ; however, because of the initial shortage due to the originator not calculating for taxes increasing ( that issue is being handled with them in a separate forum ) and what they want, it will still be an increase that I can not afford ( $ XXXX per month ). The associates in the collection center and payment solution center will not let me speak to a manager, continue to pass the buck to different departments, try to deflect the conversation to them not getting an insurance policy from my carrier and are not noting my account of our conversations despite calls supposedly being recorded. Additionally, Truist continues to push me towards a refinance which they stated would raise my interest rate and payment even further.
Consumer complaint received 2023-06-15
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$500.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NY)

On XX/XX/XXXX I noticed that there was some fraudulent charges on my account from a company called XXXX. I reached out to chime and made them aware of the transactions. Chime in for me that provisional credit shall be placed on my account in 10 business days after the investigation has been made. The amount in question it was significantly a lot lower in all the transactions that I calculated which I did bring to their attention and they informed me that I have a provisionary credit will be placed on the account in the amount of 10 days. After review the 10th day was in fact on XXXX XX/XX/XXXX I called chime on XXXX XX/XX/XXXX, to find out why my provisionary credit was not on the account I was told that more time is needed to look into the matter I responded and said youre breaking federal law the timeframe allocated is 10 business days you can take more time to investigate but my money should be placed on my account in 10 days, not 11 not 12 10 days. Not because you guys need more time, federal law allocate the time and Chime is breaking federal law. 

I asked to be transferred to a supervisor whos name was XXXX I requested to have a complaint and I ticket a number from the files which he assured me that he did that. the number he gave me was XXXX and that call took place this morning between the hours of XXXX XXXX XXXX XXXX XXXX eastern standard time. I informed XXXX that chime is breaking federal law in the timeframe allocated for provisionary credits. I told him that I would expect my money to be on my account at the end of the day and I will be filing a formal complaint which Im currently doing now. This company should be stopped and they should not be using peoples money anyway that he chooses to use it.
Consumer complaint received 2022-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Iam a victim of identity theft I have sent ideinty theft reports to XXXX, transunion, XXXX numerous of times ive sent certfied mail with tracking information I have disputed multiple times I have called multiple times An they still haven't removed the items off my report it has destroyed my life they continue to place the items into dispute instead of follo6w the FCRA Iam contacting a lawyer to file a lawsuit against all of them my information has been compromised on XXXX credit breach they have done nothing! I have submitted the identity theft multiple times I have asked multiple times to block the Information they told me they don't do that due to the FCRA they had 4 days to remove the items yet they put the items into disputes with no justice I have had my checks garnished because of these issues iam now contacting a lawyer to be compensated
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (ID)

In XXXX I made the mistake of transferring $ XXXX into a credit card account. The next day, XX/XX/XXXX I called to have the funds transferred back where they came from, a non Wells Fargo account. Customer service said they were taking care of it and put in the request. This call was made by me several more times because the money was not leaving the credit card account or appearing back in the checking account it came from. During these calls I was told many different things. Sometimes it was they had put in the request, other times I was given a date that it would be transferred. One particular call I was given a fictitious number to call so I could talk to the person doing the reviewing of the transaction, customer service is apparently trained and allowed to lie. All this time I am having to make calls and arrangements for the account the money was intended to go to. This is all taking an enormous amount of time and ended up costing me several XXXX dollars. On XX/XX/XXXX I noticed the money was no longer in the credit card account. Five days later it was still not back in the checking account. I called to inquire were the money was. I was told Wells Fargo had issued a check and I could expect to receive it in 7 to 14 days.
Consumer complaint received 2022-05-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

In XXXX and XXXX I took out XXXX in loans from XXXX XXXX for my daughter 's education. I was new to financial aid, I believed that I was getting a parent plus loan each time. Fast forward to now, it is a private loan, I have tried to work with now Navient only to be told that at this point my loans equal to XXXX. I can not afford the XXXX per month payment that they are demanding, 2 years ago I worked out a plan for XXXX per month, that lasted for 4 months, then it returned to XXXX per month. After that arrangement they only will put me on deferment, but won't work out a payment for me. My daughter is not in a position to pay this loan and I work for a non-profit. I don't want to file bankruptcy but I can't take the 12-20 calls a day. Now they are calling my XXXX yrs old mother, telling her she will lose her social security if she doesn't help pay this. ( She co-signed for the original loans ) At the time of the loans my mother was already retired, and I was only making XXXX per hour, at a non-profit organization. I believe I was set up for failure.
Consumer complaint received 2022-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (GA)

CHASE AUTO has failed to Apply several tendered payments CHASE AUTO failed to reply in writing to previous notice of rescission of ALL security interest thereby forfeiting ALL claims. to date the company still has failed to abide by applicable federal regulation 12 CFR 226.23.

CHASE AUTO 's failure to respond is now considered tacit admission of Fraud, Counterfeiting, breech of agreement and false representation to name a few Again, pursuant to The Fair Debt Credit Collection Practices Act 809, Validation of Debts [ 15 US C 1692g ] subsection ( b ) and as referenced in your correspondence verification within 30 days to the address above : Verification requires " Confirmation of correctness, truth, or authenticity by affidavit, oath or deposition. In accounting, [ it is ] the process of substantiating entries in books of account '' ( XXXX 's XXXX XXXX, XXXX XXXX ). This verification should include, but not be limited to, signing the enclosed affidavit verifying the terms and conditions of the alleged loan and answers to ALL the following list of questions attached. 

I've retained copies off all correspondences sent, dates, certified mail receipts, phone call recordings that will be used as exhibits should legal proceedings become necessary.
Consumer complaint received 2022-07-28
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. (AZ)

I have been a consumer client of XXXX XXXX since XX/XX/2021. All of my payments have been paid on time on or before the due date. 

XXXX XXXX is violating my consumer rights by reporting inaccurate data on my XXXX and Equifax consumer reports. 

I have repeatedly disputed the late payments with my verified method of payment bank statement which proves that I made two payments to XXXX XXXX in the month of XXXX satisfying XXXX 's payment and XXXX 's payment. However only on XXXX and Equifax XXXX XXXX if reporting my late for those two months. 

I have sent over the statements to XXXX XXXX as well as to the CRA 's and nothing has been updated accordingly and so I am reporting this deceptive and abusive debt collection act to the CFPB in hopes of having the CRA 's and XXXX XXXX fined for damaging my credibility and causing my severe duress and loss of extension of credit. 

I have attached the XXXX XXXX XXXX  statements to this complaint. Thank you and have a good day!