davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

Hello. I am in need of some help. Last year, I didn't have a checking account, just a savings and I thought that I needed a checking account to pay my student loans so I asked someone to please put the money in their account and pay my loan for me from their account. I paid Great Lakes a total of {$32000.00}. I now qualify for a refund and they are willing to give it to me. However, they refuse to place the money into an account with MY name matching my student loans account. They also refuse to send me a paper check. They said the money is going to go right bank into the account that was used to pay the loan. Mind you, I have any order of protection against that person and they dont even reside in New York anymore. They had me call the Department of EDU and Department of Treasury claiming they can help me. I finally spoke to a nice girl from the Dept. of Edu and she said that has nothing to do with them nor the Dept of treasury. She said Its between my servicer ( Great Lakes ) and myself. If they took the money, they can change the refund method. I am a single mom of two and im going to loose all of my hard worked money due to Great Lakes. I filed so many complaints with them and spoke to countless supervisors. They said even though the money will go to someone else 's account who has a total different name and what not, its not their problem. PLEASE, someone help me. I even told them on student aid.edu, it states " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. '' and they said that means it goes to someone else. IT MAKES NO SENSE. Thank you
Consumer complaint received 2022-09-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (SC)

I've received a packet from Wells Fargo on or about XX/XX/2022 with documentations claiming that they are validated a debt that I allegedly owe. In that very same documentation there is a Security Interest disclosure specifically says " The security interest, pledge, and assignment is given as security for any and all amounts you owe ''. 

Definition for Security Interest in reference to 15 United States Code 1667 ( 5 ) means any property which secures payment or performance of an obligation. 

My question is if security interest is " given '' to Wells Fargo to secure payment or performance of an obligation on the alleged account how is it that anything is owed if they are stating that payment is already secured? 

Either they are using false and misleading wording to coerce payment from me and is also a violation under Truth in Lending because that would mean that I was never properly informed and I never received an adequate notice from Wells Fargo. 

It is unlawful to black mail and extort to coerce payment from a consumer in reference to 18 United States Code 894 and 18 United States Code 873.
Consumer complaint received 2022-09-28
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: ACIMA CREDIT, LLC (TX)

In accordance with the fair credit reporting Act. XXXX Account # XXXX at Acima finance violated my rights 15 U.S.C 1681 Section 602 A. States I have to privacy 15 U.S.C 1681 section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

XXXX  XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: 1st Franklin Financial Corporation (GA)

On XX/XX/22, XXXX XXXX XXXX received a Cease and Desist from the consumer ( XXXX XXXX XXXX ) XXXX XXXX I invoked according to 15 USC 1692c ( c ) ( 2 ) my specified remedies as a federally protected consumer and I demanded all of the following including but not limited to : Stop collection on this fraudulent debt Report PAID IN FULL to all credit reporting agencies including but not limited to XXXX, XXXX, XXXX XXXX XXXX XXXX zeroed out every month Check for {$5000.00} for violations under FDCPA sent to my address above I initiated the Cease and Desist because after further review of the credit contract ; XXXX XXXX XXXX committed unfair and deceptive practices with in the meaning of section 5 of the Federal Trade Commission Act for a seller, directly or indirectly to take or receive a consumer credit contract which fails to contain the Holder in Due Course Notice in at least ten point, bold face typed. The consumer contract does not have the notice. I scanned document with a fine tooth comb and no where on front or back the notice is present. In addition, the financial company didnt provide me with an adequate notice that gave me pertinent facts clearly and conspicuously for me to understand. The company failed to acknowledge that the finance charge is the total cost of consumer credit in dollar amount. The consumer is only entitled to finance charge.

Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this sub chapter or any regulations issued there under, otherwise fails to comply with any requirement imposed under this sub chapter shall be fined not XXXX than {$5000.00} or imprisoned not more than one year or both.
Consumer complaint received 2023-01-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-04-03
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. (TX)

Inaccurate inquires listed on my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-03
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. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

1. XXXX XXXXXXXX # XXXX 2.XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  # XXXX
Consumer complaint received 2023-05-20
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. (MI)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

JPMCB CARD SERVICES Reported : XXXX XXXX, 2022 Balance Credit limit {$20000.00} Improper use of my credit report. Fraudulent In accordance with the fair credit reporting act, this creditor, JPMCB CARD SERVICES has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy.

15 U.S.C. 1582 section 604A state to consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B 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 It is my request that this account be removed from my credit bureau of XXXX and any other credit bureau
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-01-26
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. (AZ)

I want to report experian again because they still have failed to update me with information regarding the claim. I have XXXX documents annotating the thing I am being alleged in my credit report. Please refer to my previous case with cfpb. That item should be deleted due to not verifying infomation. They don't communicate with the companies, so I don't know how they are able to make this conclusion about my account.
Consumer complaint received 2023-01-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MO)

I have received Continuous phone calls from TSI ( Transworld Systems Inc ) XXXX and very threatening tone. XXXX XXXX said they would not turn over to a collections or put on my credit report until my hospital financial application has been finalized. It is still being under review but yet XXXX still put it on my credit report and having TSI call me everyday with a threating tone and words
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I have proof that the CRAs are not in compliance of 15 U.S. Code 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The information reported is not been properly verified.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2022 I wrote a check to XXXX XXXX XXXX for {$250.00}. That check plus two others were stolen from the outdoor mailbox at the Post office at XXXX XXXX and XXXX XXXX, XXXX, Ohio. Two of the three checks were altered, including the one made out to XXXX XXXX XXXX. The amount was altered from XXXX to {$9300.00}. That check was incorrectly honored by Huntington despite an obvious handwriting mismatch and other indicators of fraud. {$9300.00} was withdrawn from my account. The second check was altered to {$4100.00}, but was not honored by Huntington and funds were not withdrawn. 

On XX/XX/XXXX, I was notified by Huntington about the fraudulent check clearing and reported the fraud the next day. I filled out a statement of fact with Huntington, as well as a police report ( report # XXXX with XXXX XXXX, pct : XXXX ). I also filled out a statement of fraud with altered check claim, including a copy of the checkbook register, with Huntington.

I have been working with Huntington to resolve this issue, however it has been 11 months since the fraud occurred and the issue has not been resolved, nor the funds returned. Additionally Huntington has denied me any extensions of credit to cover my losses, despite my relationship with Huntington for 50+ years.

Not only was the check on its face so obviously fraudulent as to indicate incompetence in Huntingtons fraud detection department, their inability to timely resolve the issue or help me cover my bills in light of their own mistake feels like a form of elder abuse perpetuated by the bank ( I am XXXX XXXX XXXX ). 

Huntington keeps claiming that XXXX XXXX  is at fault because they are the depositing institution, and they keep trying to send me there, but every time I contact XXXX XXXX  they tell me they can not help me because I am not a XXXX XXXX  customer. 

The actions on the part of Huntington and XXXX XXXX  are Unfair in that I am unable to avoid harm, the harm is material, and I have no options for remedy outside the banks actions. They are also deceptive considering how much they advertise fraud protection but were unable to detect an amateur and obviously fraudulent washed check. I feel like they are just running out the statute of limitations as a way to continue further harm to me without having to reimburse me the amount stolen from me due to their incompetence and negligence.
Consumer complaint received 2022-10-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Someone opened a account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with a XXXX credit line, there shipping address was XXXX XXXX XXXX XXXX XXXX XXXX I was able to cancel the card before it was used, the fraud division of Experian needed me to file a complaint to the FTC before they can remove this from my credit report
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (MN)

Having issues with unauthorized inquires on my Experian credit profile am subscribed to Experian monitoring services. it is noted across all three credit bureaus that i was a victim of my data being stolen from XXXX data breach. Experian remove all hard inquires that's not connected to any open account 's on my Experian profile. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX i was recently denied a line of credit because of these unauthorized hard inquires. also my phone number that's on file with Experian is being flag by lenders for some reason. also please fix this error asap
Consumer complaint received 2024-11-12
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. (FL)

I am writing to dispute duplicate entries of a charge-off on my credit report. These entries are from XXXX XXXX XXXXXXXX with account number XXXX Details : Charge-off date : XXXX, Duplicate entries : XXXXXXXX XXXX XXXX Attached are documents supporting my claim. I kindly request an investigation and removal of the duplicate entries to accurately reflect my credit history. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-09-25
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. (TX)

On ( XX/XX/2021 XXXX XXXX XXXX Account # XXXX ) add a derogatory mark on my credit report per XXXX XXXX upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, 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 and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX  Account # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.