davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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. (KY)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX US Dept ED Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-23
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: CITIZENS FINANCIAL GROUP, INC. (AZ)

On XX/XX/2021, I received a letter from Citizens One Personal Loans referenced with ID # XXXX indicating that my recent application for a XXXX XXXX XXXX Citizens One Line of Credit was denied for the following reason : Application Information Does Not Match Credit Report [ Exhibit A ]. 

The letter referred me to XXXX for further dispute. After inquiring with XXXX, I noticed a HARD CREDIT ENQUIRY on my credit report that I did not authorize. After disputing this information with XXXX, I received a letter from XXXX on XXXX XX/XX/2021 indicating that the Hard Enquiry was factual and shall remain on my file for two years [ Exhibit B ]. 

I have never authorized Citizens One to use my personal information to check my credit file. More importantly, XXXX is falsely representing my credit information to vendors. I have an excellent credit history and over XXXX credit score, and XXXX is damaging my credit history by such practices.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

The Credit Bureaus are reporting false and inaccurate information on my report. I have provided proof from the creditor that I do not have any late payments reporting in the months of XXXX and XXXX of 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-13
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. (NY)

Ive tried to contact the three credit bureaus about a few late payments that were reporting in error. I have not heard back from them since XXXX. These late payments and unauthorized credit inquiries are included and Are highlighted. I used my most recent credit report. The credit bureaus violated my FCRA rights of section 611 ( a ) for failure to investigate within 30 days. It states that the information should be removed immediately if cant be verified within 30 days. 
I demand that the accounts highlighted in the proof submitted be updated with no late payments and the unauthorized inquiries be removed immediately or I would seek litigation to take care of this issue. Im also a victim of XXXX Data breach which my information was used to make all of the inquiries that are on my consumer report.
Consumer complaint received 2020-08-12
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. (FL)

XXXX  and TransUnion have been reporting these fraudulent accounts under my name XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TN)

Nelnet has been continuing to charge me interest on my student loans despite the fact that the federal government has told them not to due to Covid 19. Further, Nelnet has deferred interest on some loans but not mine and has given no explanation as to why which is discriminatory and in violation of the equal protection of the laws.
Consumer complaint received 2021-05-20
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: JPMORGAN CHASE & CO. (FL)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX  and XXXX credit report. My latest credit report shows 2 credit inquiry/inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 
XXXX XXXX XXXX-inquiry on XXXX XXXX JPMCD Card inquiry on XX/XX/2020 Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance.
Consumer complaint received 2021-10-07
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: EQUIFAX, INC. (NY)

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

I could not open this complaint against Mastercard themselves, so I'm opening against the bank that issued the Mastercard, because obviously they are able to communicate with each other and provide a solution.

Another Mastercard offer failure.

The more I use Mastercard, more I see XXXX XXXX is the best. 

Mastercard offered statement credits during Restaurant Week.

I registered my card and used it to dine a few times according to the terms.

I never received the statement credits, not surprisingly.

Typical Mastercard service, as I had same issue in a previous Restaurant Week and also had to open a complaint.

I would never trust Mastercard for any of their insurance/protection. They are not reliable. Certainly my last option after XXXX XXXX and Visa.

Regulatory agencies are not interested in giving these huge business a fine?
Consumer complaint received 2019-03-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

TILA rescission has occurred on XX/XX/2017 and the encumbrance was eliminated and the debt was converted from one arising from a promissory note to one arising from a statute 15 use 1635. The debt then became subject to the statute of limitations for claims under TILA because the debt now arises under TILA. 
Since XXXX has acknowledged in court and acquiesced to the TILA Rescission and the statute has run the debt is barred. Ignoring the TILA Rescission is warping the value of the bankruptcy estate as well as allowing secured status to unsecured creditors.

The effect on the XXXX  estate by virtue of 15 USC 1635 is that the original loan contract has been replaced by operation of law with a statutorily imposed new agreement, the terms of which are spelled out in the statute.

This means that per the statute and REG Z, which must be read along with the statute, the note has been replaced by a new obligation and the mortgage has been eliminated by the express wording o f the statute " by operation o f law. '' The obligation to repay continues as an enforceable liability provided that the claimant satisfies the conditions precedent set forth in the statute, but that obligation is no longer secured for the express purposes o f allowing the borrower to seek new financing from which the obligation could be repaid. 

The parties claiming to be owners of the debt or claiming to be representatives o f the owner o f the debt failed to comply with their obligations under the new agreement. Hence any right to enforce the obligation became inchoate. That failure by the claimant was not in any way caused by the borrower. 
The obligation arises not from the original loan agreement anymore but from the statutorily imposed obligation that replaced the original loan agreement. The statute is part of the Federal Truth in Lending Act ( TILA ). Claims under TILA are barred by the statute of limitations contained within that act. 
Hence the obligation is wrongfully treated as secured when it had been converted to unsecured obligation by the statute, and the obligation itself is now barred by the statute of limitations. 
The effect on the bankruptcy estate is obvious any claimants under the original loan agreement are moved from secured to unsecured and, since they no longer have the benefit o f the written instruments ( the void note and mortgage ) they must establish their claim by filing a proof of claim in which they establish ownership of the obligation and thereby establish that the they hold the risk of pecuniary loss, without whic
Consumer complaint received 2019-03-27
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: CITIBANK, N.A. (CA)

I had left to live in XXXX since XX/XX/2015and while I left someone had used my information and opened credit cards. 
I am here in USA for a visit but I still want my fraud charges to be removed from my credit report
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2022-06-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (PA)

Penn Corp failed to provide me an option to validate or dispute prior to placing a derogatory account on my credit report. They placed two separate derogatory accounts on my credit report dating XX/XX/2022 and XX/XX/2022. I was not aware of this alleged debt with XXXX until my credit card company notified me of the first derogatory account. 

Penn Credit failed to provide me a validation notice. They called an incorrect phone ( XXXX ) number three times, allegedly mailed a notification on XX/XX/2022 and my credit report showed a derogatory account on XX/XX/2022. I verify my phone number with XXXX each time I go for services. Calling an incorrect number is unacceptable. 

The alleged mail notification that Penn Credit sent was dated XX/XX/2022 that I received today. 

On XX/XX/2022, I spoke with a XXXX XXXX and XXXX at Penn Credit. I first spoke with XXXX XXXX and requested I requested a copy of the doctors orders ( if applicable to my alleged debt ), a copy of all alleged correspondence, a copy of the EOB XXXX should have received from my insurance, and the actual claim that XXXX submitted to be sent certified mail in order to confirm receipt. XXXX XXXX stated that my request was completely unreasonable in my pursuit of verifying the debt and transferred me to her supervisor XXXX. 

XXXX claims that Penn Credit can not send me the requested information via certified mail. Clearly I have not received anything on this alleged debt. My credit score went from XXXX to XXXX after the first derogatory account was placed. Having a XXXX credit score clearly shows my attention to detail and care/concern over financial matters. I haven't received an updated after the second derogatory account was placed. 

The amount of this alleged debt is outside the expected with my insurance. Through my insurance I do not have a deductible or coinsurance. I am responsible for a {$10.00} copy for a primary care/PCP appointment, {$20.00} copy for a specialist, and a {$35.00} copay for an emergency room visit. A debt of {$680.00} is well outside a reasonable amount for my insurance.
Consumer complaint received 2019-03-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

IhadlefttoliveinXXXXsinceXX/XX/2015andwhileIleftsomeonehadusedmyinformationandopenedcreditcards.
IamhereinUSAforavisitbutIstillwantmyfraudchargestoberemovedfrommycreditreport
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

transactions being processed on atm machines same day and more than 1 withdrawal. I tried to look through the receipts and the ending balance does not make sense the amount in available balance before and after transactions differ from amount used. I believe their is more than 1 card for my account and it is a single person account with no authorized secondarys.
Consumer complaint received 2020-08-12
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: The Bureaus, Inc. (CT)

The Bureaus Inc. continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that The Bureaus Inc. reported this entry XX/XX/2017 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. 

The payment history reported on this account lacks veracity. They report no payment history on XXXX  and XXXX  ; however, they report payment history on XXXX. I never entered into an agreement with this company, yet they are reporting a negative payment each month? Additionally, this collection account reflects terms. There are no terms on collection accounts. This is a violation of consumer law. 

Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by The Bureaus Inc.

To that end, I sent a letter to The Bureaus Inc. ( See attached letter ). This letter has been sent to both addresses reflected on my multiple reports, including XXXX XXXX  XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. To date, this company has not provided any documentation bearing my signature or proving the of the validity of every entry they are continuing to report. This company has had months to respond to me with the anything that verifies this account indeed belongs to me ; yet they have not. 

Consumer law provides that the creditor/company is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that The Bureaus Inc. has no intent to honor nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation, with signatures, to substantiate the alleged debt, this entry must be removed from my credit report immediately.
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (IL)

I have the following inquires on my credit report from organizations I have no relationship with : XXXX XXXX, Auto Financing, XX/XX/20 XXXX XXXX XXXX, XX/XX/20 XXXX XXXX, XX/XX/20 To my knowledge, I have not signed any documents authorizing these organizations to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX XXXX XXXX suggests that I took out a loan in the amount of {$34.00}. on XX/XX/XXXX. They labeled this as a charge-off that is negatively affecting my credit. I have never attempted credit with that bank. XXXX XXXX XXXXXXXX has an inquiry on my credit report dated XX/XX/XXXX. I have also never attempted credit with this institution either. XXXX XXXX is still reporting an account that was open XX/XX/XXXX.
Consumer complaint received 2019-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

I received a letter from Diversified Consultants dated XX/XX/19. This letter communicates that my account has been placed with their office for collections. I mailed their office correspondence on XX/XX/19 requesting the debt be validated. 

I received a response from Diversified Consultants on XX/XX/19. As expected, the company was not able to validate the debt - they could not provide ANY PROOF that this account belonged to me. The company failed to provide sufficient proof of original documents/contractual agreement validating the debt as mine. 

In fact, the company has proceeded with reporting an unverified account to the credit bureaus.
Consumer complaint received 2019-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc. (AR)

A medical debt originally popped up on my credit report in XXXX. It was disputed because I never knew about the debt and it was removed. I attempted to inquire of the debt and the collection agency listed at the time stated they hadn't been used with the original creditor for 8 years. No one knew of this debt. the original creditor stated they had sent the debt to collections and had no knowledge of it. It has been sold at least twice and each time it was disputed within 30 days directly to the new company and never placed on my credit. 

I guess applying for a new credit card in XX/XX/XXXX " pinged '' Commonwealth Financial Systems ( XXXX XXXX   XXXX XXXX XXXX PA XXXX ) who placed the debt, without any notice to attempt to properly collect, on my credit report. They reported the date as XX/XX/XXXX ( in XXXX of XXXX, ) and my score dropped XXXX points to a XXXX with XXXX XXXX. I disputed this with XXXX  through XXXX, sent them a screenshot of a previous dispute from another collector ( XXXX, ) noting they had removed this collection previously after not being able to verify the debt. Within 7 days, XXXX completed the dispute with merely updating the dates of the debt with the dates in my screenshot. 

This collection agency is violated the Fair Credit Act, by not collecting properly and possibly HIPAA.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/XXXX there were fraudulent charges made on my account for a total of {$350.00}. I notified XXXX XXXX that these charges were fraudulent and they initially removed them from my account, closed that account, and began an investigation. However, when they opened a new account they transferred the fraudulent charges to the new account. Then, in a series of phone calls between XX/XX/XXXX and XX/XX/XXXX ( and some prior phone calls ), some lasting up to two hours, I was told many different conflicting. One representative alleged that those charges were charges that I had spent on the new account, which was demonstrably untrue. I had another representative tell me that that the transfer of the charges was a mistake on the part of XXXX XXXX. Finally, I had a third representative tell me that it was a part of XXXX XXXX XXXXs investigation process, which seems unlikely as I have never had charges be added back to an account while an investigation was pending. Furthermore, I never received notification that an investigation had started within the legally required 30 day period.