davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-31
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: CREDIT ACCEPTANCE CORPORATION (NV)

XXXX  has been non-compliant with removing the unverified account CREDIT ACCEPTANCE CO  Opened Date XX/XX/, 2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CREDIT ACCEPTANCE CO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-11-29
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. (IL)

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 attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-29
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. (GA)

I hope this letter reaches you under circumstances conducive to immediate resolution. I am writing to express my deep concern and frustration regarding the multiple attempts I have made to address two critical issues related to my account Despite multiple previous attempts to address the delayed opening of my account, the issue remains unresolved. 
Additionally, I have also been seeking assistance in the removal of a charge-off from my account. Despite my multiple attempts, the charge-off continues to affect my financial standing. 

I understand that these matters can be complex, but the extended delay in account activation and the persistence of the charge-off are causing significant distress and inconvenience. 


Expedite the process of opening my account and ensure its activation at the earliest convenience. 

Conduct a thorough review of the charge-off and take the necessary steps for its immediate removal. 

Improve communication channels to keep me regularly informed about the progress made on both issues and the expected timeline for resolution. 

Given the prolonged inconvenience, I kindly request that you consider appropriate compensation or accommodations for the stress and financial disruption experienced. 

I understand the complexities associated with these matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your institution 's services. I am asking for your assistance to correct these late open account and removal of charge off in my credit file : XXXX XXXX Balance Owed : {$5900.00} Date Opened : XX/XX/ Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. 
Please update it immediately. 
XXXX XXXX Balance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

under the Fair Credit Reporting Act ( FCRA ) law 15 USC 1681 I request these errors be updated on my report. My credit card from XXXX XXXX I saw on all 3 credit bureaus that my credit age with my credit card is 3years but my credit report shows my credit age to be less than that from account # XXXX. There are not many options to report this so I chose to have this fixed through a better source.
Consumer complaint received 2023-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (AZ)

I received a summons ( CIVIL ) from XXXX XXXX XXXX, XXXX on XX/XX/XXXX at my residence indicating ( attorneys for plaintiff- Discover Bank for {$2700.00}. Opened XX/XX/XXXX. 
Discover is showing this account as ( CHARGED OFF ). 
This lawsuit is asking for a judgement thru the courts on a charged off account by Discover card. Also indicating they are representing them. 
XXXX XXXX XXXX pplc. # XXXX XXXX. 
I have no vehicle and no money and am on XXXX. I can't respond to this lawsuit or file a answer. 
It indicates that if I fail to respond a default judgement will be entered against Me on an account the DISCOVER CLOSED AND CHARGED OFF.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

In XXXXXXXX XXXX I have added to my US Bank Cash+ credit card a 10 % cash back offer for gas purchase ( see attached screenshots of the offer itself and of the offer shown 'activated ' on my account ). The deal offer was to earn 10 % cash back on any qualifying gas purchase, with a {$20.00} cash back maximum when you spend {$10.00} or more. On XX/XX/XXXX XXXX XXXX  I purchased {$61.00} worth of gas at a gas station. I have not received the 10 % cash back from US Bank Cash+ card for this purchase ( estimated at {$6.00} ). The offer said that the cash back will be processed within 5-7 business days, but I have not received it to this day ( XX/XX/ ), which is more than 7 business days after the purchase. I chatted online about this issue with a customer service rep XXXX on XX/XX/XXXX XXXX who simply provided me with a US Bank customer service phone number for further assistance. I called the US Bank customer service phone number on XX/XX/3 and talked to agent XXXX, who referred my concern to investigative team. I received a letter on XX/XX/3 from Cardmember Services signed by XXXX XXXX stating that I will get a 1 % cash back bonus for the gas purchase. The letter did not discuss the 10 % cash back offer, but was referring to a different cash back offer for the US Bank Cash+ credit card. I am still awaiting my 10 % cash back reward for XX/XX/ XXXX  gas purchase of {$61.00}.
Consumer complaint received 2023-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Guglielmo and Associates (AZ)

I received a summons ( CIVIL ) from Guglielmo & Associates, XXXX on XX/XX/XXXX at my residence indicating ( attorneys for plaintiff- XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX is showing this account as XXXX XXXX XXXX XXXX 
This lawsuit is asking for a judgement thru the courts on a charged off account by XXXXXXXX XXXX Also indicating they are representing them. 
Guglielmo & Associates XXXX XXXX XXXX XXXX 
I have no vehicle and no money and am on SSXXXX. I can't respond to this lawsuit or file a answer. 
It indicates that if I fail to respond a default judgement will be entered against Me on an account the XXXX CLOSED AND CHARGED OFF.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am writing to bring to your attention an issue regarding the reporting of a late payment account on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. According to the FCRA, by law I have the right to challenge any inaccurate information on my credit report.

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this XXXX XXXX XXXX account gets deleted. Ive contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had a proper investigation launched. In addition, in accordance with the FCRA XXXX XXXX XXXX has violated my rights : 1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : It also states a consumer reporting agency can not furnish an account without my written instructions 2. Per, " 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer.

I did not give written permission to have these accounts furnished on my report. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. Once again, I am demanding a correction to my credit report by this item being deleted and removed from my credit report.
Consumer complaint received 2023-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

My personal and private information was sold to a third party credit collection company without my written permission. Par violation of title 15 usc 1692c ( b ), 1692b ( 2 ), 1692b ( 5 ), 1692e, 1692e ( 2 ) ( A ), 1692e ( 8 ), 1692e ( 9 ), 1692 ( 10 ), 1692e ( 12 ), 1692f ( 8 ), mail fraud / non mailable information, deceptive forms 1692j, Proof of original wet seal and signature not a copy!!! 
Extortion, embezzlement, The lawful definition of payment Requested validation from XXXX XXXX XXXX and no acquiescence, then they sold my non public/ private and personal information!!!! I did not give them permission!!!!! 
( I am power of attorney in-fact ) A consumer transaction The bill is in ALL CAPS!!!! 
Billing errors 31 usc 3123 18 usc 8 Ucc 1-308
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

Hello My loans were transferred from Great Lakes to Nelnet. I made an attempt to pay off my loans in full on XXXX XXXX XXXX. The Nelnet website says it was processed and the debt was paid in full. 4 days later, the debt amount ( including interest ) appeared again. I received a notification from the Nelnet website stating the money was rejected by my financial institution. 

I again made another attempt to pay off the loan on XXXXXXXX XXXX XXXX, Nelnet says processed, and then paid in full, and today ( XX/XX/XXXXXXXX  ), the original debt amount and interest are back on my account. 

I contacted my bank on XXXX XXXX, XXXX about this issue, and the representative I spoke with stated they did not receive any charge from Nelnet and are unsure why the money was not taken from them. 

I contacted Nelnet about the inconsistency and to get more details about why both payments were not accepted, and the wait time was over 94 minutes. 

I kept records of both confirmation from Nelnet saying my debt was paid in full and the record from my bank stating Nelnet did not make a charge. 

The interest on my student loans keeps increasing daily and I am actively prevented from paying off my debts. This negatively impacts people 's finances. 

How is this okay? How can this be acceptable? I never had issues like this with Great Lakes.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I applied for an auto loan in XX/XX/2023 at and I was denied due to errors and false information on my Transunion report. 

Secondly, I also requested a block on my Transunion credit report to enforce my right to privacy and they failed to do so pursuant to 15 usc 6801 Protection of nonpublic personal information ; 15 usc 1681 Congressional findings & Statement of purpose ( a ) ( 4 ) ( 4 ). 

My last attempt to resolve this matter over the phone on XX/XX/XXXX. After multiple attempts Transunion still has not resolved this matter.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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
Consumer complaint received 2023-11-29
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: Medical Data Systems, Inc. (NC)

On XX/XX/2023 I sent in a dispute to Med Data Systems and asked them to verify a debt that is currently reporting to my consumer report that i do not recognize. Account number # XXXX My Tracking number for this dispute letter is # XXXX. Med Data Systems did not respond to my letter. I even gave them a little extra time to respond to me because i knew the letter had been received. I request this account be removed from my consumer report as Med Data Systems did not follow the time-frame laws set forth by the FCRA. It has been well over 30-45 days. Attached i have proof of my dispute and tracking details.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (TX)

Our mortgage was transferred from XXXX XXXX to Mr. Cooper in XX/XX/2023. 
On the day the loan was transferred, Mr. Cooper had been hacked and we could not access our loan information for at least a week. 
A class action lawsuit has been brought against them for the breach. 

Once we were able to access our account online, we noted that it showed that we had not paid our monthly mortgage, even though our payments continued to be taken out of our checking account twice a month by XXXX as it had been for over 20 years- through several mortage companies and XXXX different houses with no problems. 

We contacted Mr. Cooper through the chat on XXXX and was told to send proof of payments to XXXX ' to expedite location of the payments and this was completed the same day. No reply email from Mr. Cooper was received. 
Payments were send on XXXX and XXXX. 
We also called XXXX along with our home insurance XXXX as they requested and doublechecked to make sure their information was updated which was confirmed by both. 
At this time we could not make an additional payment towards our principal balance due to Mr. Cooper as we do each month because our account was not 'current '. 

On XXXX, we contacted Mr. Cooper through the chat again. We let them know that we had emailed the requested payment information, our account showed that no payments had been made, and wanted an update. 
They let us know that there was a pending missing payments case opened on XXXX and that is was in process. Case # XXXX, which might take up until XX/XX/XXXX to finalize. They assured us that our account would not be penalized while they worked on our case. They confirmed that there was a 60 day grace period which will end on XXXX - during this time no late fees or negative credit reporting will be applied to our account. 

On XXXX, we received an automated call from Mr. Cooper stating that our mortgage payment was late and that we had to pay today in order to keep in good standing with the mortgage company. 
We tried to call Mr. Cooper directly but they will not let you speak with a representative. When we repeatedly asked for a representative, we were hung up on. 

We have printed transcripts of the chats from both dates. 

Please advise.
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

Good morning I would like to file a formal complaint against citi bank Best Buy credit card. I had first opened this new account back in XXXX as a new customer. Upon opening this new account a received a new credit card.. I lost my credit card at the gas station which was then picked up.. not turned in and used by the individuals who picked up my card to pump gas at the gas station and make purchases without my authorization ... when I realized my card was missing I contacted citi bank reported the fraud claim and filed a police report.. the police report was filed with XXXX County police however the financial crimes unit advised me to dispute the charges with my bank due to the fact that they were minor and that ultimately they wouldnt open up an investigation unless they knew the indentity Of who stole my card ... I filed the complaint with citi bank ... citi bank never sent me any correspondence regarding this matter.. and then ultimately closed my disputed due to the fact that they didnt have enough information ... I never received any documentation in the mail to provide them the information they requested ... so in XXXX when I found out that they did not even process my dispute claim I re-opened the claim ... they advised me that they would send me the documents that I needed to provide them the additional information ... again I never received the documents ... when I checked my account again.. it shows that on XX/XX/XXXX they just decided to close my re-opened claim due to the same reason.. I would like for these fraudulent charges to be waived because I was not responsible for them.. I would also like for citi bank beat buy credit card to actually assist me with this matter and not set me up for failure by not sending no me the appropriate documents to support my claim ... this claim was handled very poorly by them and therefore I deserve to have this reviewed again and processed correctly.
Consumer complaint received 2019-01-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

On XX/XX/19 I received four calls from XXXX from XXXX. I called back and requested them to quit spam calling my phone. On XX/XX/19 I received eight calls from XXXX at XXXX. My phone is set to do not disturb since I work overnights.
Consumer complaint received 2023-11-29
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: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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



Open Account : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.