davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : CONSUMER COMPLAINT XXXX XXXX XXXX, and subsidiaries, Acct No. XXXX THE PEOPLE v. SANTNDER, CONSUMER USA ; ruling in favor of the Plaintiff ; Santander lost the class action suit and is non-compliant to federal court settlement as follows : MONETARY RELIEF 10. XXXX shall provide additional Consumer relief as follows : ( l ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding XXXX balance for all Consumers who had a loss forecasting score of XXXX or less and. as of XX/XX/XXXX. XXXX have Defaulted but have not had their vehicle repossessed and ( XXXX ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for any Consumer with a loss forecasting score of XXXX or less who defaults in the future. 
XXXX. XXXX shall provide notice to each CRA to which XXXX reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief Per12 CFR 1022 " Fair Credit Reporting ( Regulation V ), I have provided copy of the settlement and court rulling to demonstrate to Experian may no longer allow XXXX to file negative reports on my credit report. XXXX was mandatd by federal court to : ( XXXX ) waive 100 % of the total debt ; ( XXXX ) Discontinue reports to Experian, XXXX, and XXXX XXXX XXXX XXXX ( CRAs ) ; ( XXXX ) Provide title to the car. 

I have submitted a dispute and copy of settlement with the CRA 's to discontinue negative reports on my credit. Experian has refused to discontinue unfair and inaccurate infomation and would not provide written exlpanation.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, am writing to you because I got rob at being of XXXX year XXXX, and they got a hold of my credit card, at the time where this happened I was in XXXX doing a project for a business, I try to cancel my credit card through the app ( XXXX  XXXX XXXX ) or report it stolen and it would only give me the option to call the bank which I was not able to do, because in XXXX you cant do international calls, I just got back to the states the XXXX of XX/XX/XXXX, I went directly to my bank ( XXXX  XXXX XXXX ) and reported my stolen credit card, they were able to resolve on their part of the end, they got me a new credit card and return the money that was stolen, the last 3 months I have not payed my mouthy fee because as I said my credit card was not in my possession and every time I would pay it, they would use it again. As of the resulted my credit score has decreased, I would like to know what I can do in this case, I have always been on top of my credit score but in this case, I didnt really have an option. 
In XX/XX/XXXX my XXXX score was a XXXX and XXXX XXXX is XXXX, how can I fix this.
Consumer complaint received 2023-11-02
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. (TX)

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.

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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I went to a local bank of america on XX/XX/XXXX and deposited a check inside at XXXX XXXX for {$30000.00}. I was told they were putting a hold on the check. On the deposit slip they gave me it said {$5300.00} would be available on XX/XX/XXXX by XXXX and {$24000.00} would be available on XX/XX/XXXX by XXXX. I received an email on XX/XX/XXXX at XXXXXXXX XXXX stating they were putting an additional hold on the check and I would not receive any of the funds until XX/XX/XXXX. The reason it stated was " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' I tried calling multiple times over the weekend on XX/XX/XXXX and XX/XX/XXXX and no one could give me any information on it. I scheduled an appointment at the Bank of America branch where I deposited the check on XX/XX/XXXX at XXXXXXXX XXXX. I spoke with branch employee XXXX. She made some calls and still couldn't tell me any information, she eventually was able to see fraud placed a hold on the check but thats all she could tell me and she couldn't help me anymore. I called BOA on XX/XX/XXXX at XXXXXXXX XXXX and spoke with the fraud department. They told me they were going to transfer me to someone that could help me and the call hung up. This call lasted 22 minutes. I called back on XX/XX/XXXX XXXX XXXX and was transferred to the fraud detection department. She could see fraud did place a hold on the check because they needed to verify it. She told me she would put an expedite on the check. I regularly deposit checks of this amount multiple times a year. The check is from XXXX XXXX who I've deposited from multiple times in the past. The check is from my father who has the same last name as me and also has a Bank of America account. I need this check to pay my bills and I'm unable to pay them because of this.
Consumer complaint received 2023-11-02
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)

This XXXX account associated with account number ID # XXXX XXXX .... was and is paid off completely as per the letter I received from the customer success team at the creditor furnisher in question. Its paid off and should be removed from my report, its verified through this letter. I am writing to formally request the removal of an account from my credit report. The account in question, listed under, Account ID # XXXX, has been paid off in full and is no longer active. I kindly request that you update my credit report accordingly to reflect this change. 
Account Details : Creditor : XXXX XXXX Account Number :, Account ID # XXXX Date of Last Activity : XXXX XXXX Balance : {$0.00} I have attached proof of the account 's full payment, which can be found in the attached documents. Additionally, I have included a copy of the confirmation letter from the creditor acknowledging the account 's paid-off status. 
As per the Fair Credit Reporting Act ( FCRA ), I understand that the credit reporting agencies must maintain accurate and up-to-date information on consumers ' credit reports. Since this account has been paid in full and is no longer active, it should no longer be reported on my credit report. It is essential for my financial well-being that my credit report accurately reflects my current credit status. 
I kindly request that you investigate and verify the information provided, and once verified, remove the account from my credit report as soon as possible. I also request that you provide me with a copy of the revised credit report once this update has been made. 
I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my credit report. If you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at XXXX Thank you for your cooperation and assistance in this matter. I look forward to a swift resolution of this request and the removal of the aforementioned account 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DigniFi (TX)

I am filing this complaint in regards to the company Dignifi. I signed a fraudulent contract on XXXX XXXX with a finance balance of { {$1000.00} }. Which is at XXXX XXXX .Since then I have paid a total of { {$600.00} } and as of today XXXX XXXX my balance has only decreased by { {$97.00} }. This company has not applied any payments that I have made to my principle balance of the loan. This company is illegally charging high interest on this account that is not even being documented properly. I reached out to them on multiple occasions and have asked why the balance hasn't decreased and why the balance was still very high although I have been making payments and the company 's only response is that its from interest.This is fraud!! The total amount of interest paid to date is { {$500.00} } which is unfair but not even that only { {$97.00} } was put towards principal why hasn't the payments been applied to the principal balance that on a loan of { {$1000.00} } at XXXX XXXX .Dignifi is still saying I owe a sum of { {$960.00} } .this is malicious and deceptive practices. Dignifi is also reporting under my consumer report as confident financial solutions which I never signed a contract with and also reporting inaccurate data which has effected my credibility, creditworthiness and reputation.Which is fraud? Please see the attached statements and current statements.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to file a formal complaint regarding a significant issue I have encountered with the credit reporting agencies regarding an identity theft incident. Despite my repeated attempts to rectify the situation, I have been met with inaction and a lack of proper investigation from the credit bureau, which has resulted in significant harm to my financial and personal well-being. The incident in question pertains to a fraudulent account that has been reported on my credit report. I filed an identity theft report with the Federal Trade Commission ( FTC ). I also submitted disputes to the credit bureaus involved numerous of time, along with all necessary supporting documentation, including the FTC identity theft report, police reports, and notarized affidavits. However, instead of conducting a thorough investigation as required by law, the credit bureau in question merely asserted that the account in question was mine without providing any concrete evidence to support their claim. This response is not only inadequate but also violates the Fair Credit Reporting Act ( FCRA ) and its requirement that credit bureaus conduct a reasonable investigation when consumers dispute information on their credit reports. The violations that I believe have occurred include but are not limited to : Failure to conduct a reasonable investigation : The credit bureaus in question failed to fulfill their legal obligation to conduct a thorough and impartial investigation into the disputed account, as mandated by the FCRA. Lack of notification : The credit bureaus did not provide me with written notification of the results of their investigation within the required time frame, denying me the opportunity to review their findings. Disregard for supporting evidence : Despite providing extensive documentation, including the FTC identity theft report and police reports, the credit bureaus did not consider this evidence during their investigation, undermining the integrity of the process. Failure to block fraudulent information : The credit bureaus did not block the fraudulent account from my credit report, allowing it to continue negatively impacting my credit score and financial standing. Refusal to correct inaccuracies : The credit bureaus refused to correct the inaccurate information on my credit report, thus perpetuating the harm caused by the identity theft.
Consumer complaint received 2023-11-03
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: EQUIFAX, INC. (MI)

On or around XXXX XX/XX/XXXX I disputed the date of first delinquency reported for a XXXX XXXX XXXX in my Equifax credit file. Equifax alleges they conducted a ( re ) investigation and returned the results on or around XXXX XX/XX/XXXX. The results claim the date of first delinquency was verified as accurate by the data furnisher, XXXX XXXX XXXX. However, on its face this information is false because XXXX XXXX response to CFPB complaint XXXX, dated XXXX XX/XX/XXXX, make clear " Our office did not mail billing statements during the time-frame of XX/XX/XXXX, through XX/XX/XXXX, billing statements were suppressed while the loan account payments were deferred. '' Moreover, the same XXXX XXXX response goes on to state for XXXX : " A disaster forbearance was granted from XX/XX/XXXX to XX/XX/XXXX. '' Thus, the account was in forbearance prior to XX/XX/XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX and there would be zero ( 0 ) delinquencies for this account if unpaid until after XXXX XX/XX/XXXX, which was the due date of the first bill after the deferment ended. Therefore, the derogatory narratives alleging the account was 90 - 119 days past-due, and the alleged date of first delinquency of XX/XX/XXXX. Given the above quotes are taken from XXXX XXXX own responses to CFPB complaints, information supplied by XXXX XXXX directly, XXXX XXXX knows and/or has reasonable cause to believe this information is inaccurate, but has opted to forego changing the patently false information it is supplying to the XXXX and has instead chosen to allege the information is " accurate. '' This is the epitome of willful negligence. This sort of behavior is unfair and unlawful and defamatory. If XXXX lacks the fortitude to do what law requires, ie. to cease reporting false information, it is incumbent upon the CRAs to provide relief by deleting the account/tradeline from my credit files and/or or removing the false date of first delinquency and false payment status.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (IL)

I applied for the SAVE Plan on XX/XX/XXXX thru the Federal Student Aid website. I received an email from Nelnet on XX/XX/XXXX, saying that they received my application. I did not receive any updates on my application after that. 

I called the customer service number a number of times beginning mid XXXX. I was finally able to get through on XX/XX/XXXX. I was told I need to upload my tax returns to the Nelnet website for my application to be accepted. There was no contact from them to inform me to do this. When I applied on the FSA website, I selected to have my Tax information linked thru the IRS, but Nelnet did not accept this method I guess. I uploaded my tax information and was told my SAVE application would be processed in 15 days. 

On XX/XX/XXXX I was sent a message on my account saying I needed to make a payment to be switched from Standard Repayment to the new SAVE plan. However, the letter I received had a blank space under the amount owed and blank space next to the date the payment was owed. I checked my Nelnet account and saw that a {$5.00} Payment was shown as due by XX/XX/08. I made the {$5.00} payment on XX/XX/XXXX. My account now says I have a {$4.00} payment due on XX/XX/08. 

On XX/XX/XXXX I began to get a Pop-up on my account that said my application was incomplete, pending my payment. I called the customer service and was told that I needed to make a one-time payment on the account before they can switch the plan. I informed her that I already did and she said it didnt take, that I would have to try again. I asked if I could make the payment needed over the phone and was told no. 

It is now XX/XX/XXXX and then here has been no movement or updates on my application. It continues to say my application is incomplete.
Consumer complaint received 2023-11-02
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: EQUIFAX, INC. (NY)

I have an old XXXX auto loan on all 3 of my accounts that shows as charge off. 
There is and have been errors i tried to correct & dispute. 
between XXXX, Equifax, XXXX XXXX XXXX. 

XXXX XXXX XXXX Date opened XX/XX/2017 XXXX has enough legal issues on credit reporting where i should not have to be trying to fix this issue for over a year. 

Especially just one of the cases enforced by you " CFPD ' plus others EX : https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/
Consumer complaint received 2023-06-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SD)

I was frauded out of {$24000.00} from my saving account via a wire fraud scam. The person doing this moved money around to various account we have and also transferred {$13000.00} from my daughter saving account To our account to wire transfer.
Consumer complaint received 2024-11-01
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. (GA)

RE : File # XXXX -Late payments reporting on my TransUnion consumer credit report To whom it may concern, I, XXXX XXXX XXXX XXXX XXXX am a natural person, and I am physically submitting this dispute letter. This dispute letter is NOT being submitted by a third party. I recently received an updated copy of my TransUnion consumer credit report. I noticed some late payments posted on my consumer credit report related to the following accounts : ACCOUNTS ACCOUNT # XXXX XXXXXXXX Reporting violations 30-60- day lates in XXXX of XXXX ; 30- day late in XXXX XXXX XXXXXXXX ; 30-120- day lates in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Reporting violations 30- day lates in XXXX and XXXXXXXX XXXX XXXXXXXX ; 30- 120- day lates in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Reporting violation 30 day late in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reporting violation 30 day late in XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Reporting violations 60-90- day lates in XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reporting violations 60-90- day lates in XXXXXXXX XXXX XXXXXXXX ; 30-90- day lates in XXXXXXXX XXXX XXXXXXXX TransUnion is in clear violation of the law. Under 15 USC 1681b Permissible Purpose of Consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any credit 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.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term credit report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer credit report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with the deletion of the above-referenced accounts and a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking damages of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 USC 1681n ] I look forward to your timely response.