davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 I applied for Financing at XXXX XXXX, XXXX, XXXX, XXXX I stated that I only wanted to apply for financing through XXXX. They came back and said that I was denied. I told them thank you and they offered to check other options for me. I told them again, I was only interested in XXXX XXXX, and if they were applying through any other banks, I wasnt interested, I DID NOT WANT THEM TO RUN MY CREDIT AGAIN. I made myself very clear. The salesman then said he would go back and speak with XXXX financing to see if there was something he could do. He came back and said that he had checked with XXXX XXXXXXXX and they had also denied me. I asked them had they run my credit through XXXX XXXX? They replied no. The next day I began receiving alerts from my Experian and XXXX credit accounts. Letting me know that multiple financial institutions have been running my credit that previous day. When I contacted XXXX and spoke to the finance manager, he found out from the salesman that he had indeed ran my credit again multiple times through those other financial institutions. After I had asked him, explicitly not to, and he had agreed. He ( finance manager ) then told me to contact the credit agencies to have them remove the inquiries from those other institutions, and that if there were any questions, he would acknowledge that they ran my credit without my permission. This has been since XXXX and I can not get Experian or XXXX to remove the inquiries. EXPERIAN Unauthorized Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XX/XX/2022 ) XXXX Unauthorized Inquiries : XXXX XXXXXXXX, XXXX XXXX ( XX/XX/2022 )
Consumer complaint received 2022-09-21
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. (TX)

I am a victim of identity theft. The fraudulent information listed below is showing on my cret mine. I am officially disputing the fraudulent information and requested an immediate investigation. please remove the fraudulent information immediately from my file. I have attached all documents required by law and also directed to me by your fraud department. I also listed these laws for your convenience. 

XXXX  XXXX XXXX
Consumer complaint received 2022-12-01
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. (SC)

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 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/22 there was a deposit made for {$100.00} at an atm machine @ Wells Fargo branch that was never credited to my account. Very upset spoke to teller inside bank and he directed me to call customer support, filed a request for investigation and after XXXX weeks they sent me a letter stating the deposit amount of {$0.00} was correct and bank didnt make a mistake.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

In accordance with the Fair Credit Reporting act. The ChexSystem 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 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 or 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 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

On XX/XX/22 Section 604 15 U.S. Code 1681 B was violated by the credit reporting agency. It is not late and I didn't consent for them to report this.
Consumer complaint received 2022-12-05
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. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2022-12-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (FL)

I experienced a hardship that caused me to fall behind on my mortgage. Shortly thereafter the XXXX pandemic hit and my hardship was compounded. I am not sure if I was ever given the forbearance. I was not given any post COVID assistance. My lender did not make me aware of any assistance that was available. My lender then had me served foreclosure papers XX/XX/2022. I had my attorneys office send a research request on XX/XX/2022 asking for all correspondence advising of XXXX XXXX  available. They have not responded and will not answer any questions regarding the handling of my loan during the pandemic. I am now in foreclosure and at risk of losing my home and my lender will not explain why they did not help me or even advise of available assistance. Now I am in foreclosure and incurring legal fees that I believe was unnecessary if I would have been able to take advantage of assistance. Thank you.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-12-01
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: JPMORGAN CHASE & CO. (FL)

I noticed numerous hard inquiries on my report that I had no knowledge of and would like to get these hard inquiries removed from my account, thank you. Companies involved include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX.
Consumer complaint received 2022-12-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Action Collection Service (IN)

XXXX {$380.00} i was told, I didn't receive anything from this XXXX XXXX. Out of the blue I was getting calls saying that I owe a company I denied owning this company but the XXXX XXXX said that I do, I ask them to send me something showing that but still haven't received anything. I said if you call me again i will take action but I received more calls. I told them to not call me anymore until I received something in the mail, again that hasn't been done. I didn't receive any notice about this debt, they repeatedly call. I saved a few voice-mail from them after I have told them to stop calling. I even told them that I dispute that claim and was told I need to send it to them in writing.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

My debit card was stolen from me. XXXX  took {$2000.00} out of an atm covered up so nobody could see him. Im not able to take that much money out without going inside the bank. Because the atm camera showed him covered up Wells Fargo denied my claim and treated my like the XXXX. They denied my fraud claim for {$2000.00} where I proceeded to get the police involved. Officer told me that the guy thats on camera is twice your size and its not you. Wells Fargo has continued to deny this claim where it is being reviewed for the fifth time.
Consumer complaint received 2024-12-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (MI)

I received a letter from Eastern Account Systems , Inc. indicating that I owe a remaining balance from a cable provider known as XXXX. I do not believe the debt to be accurate and I requested proof that I owe this debt. No proof was provided ; however, the aforementioned debt collection agency reported the debt to XXXX or more of the credit reporting agencies and my credit credit Score dropped from XXXX down to XXXX. I have never incurred a debt that I have not paid off within agreed terms for anytime in my entire adult life. 

I sent a letter asking the aforementioned debt collection agency to remove the inaccurate claim of owing the debt several months ago. They never responded or removed the charge against my excellent credit standing.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (WI)

I recently got a Card from The first National Bank Of Omaha called XXXX XXXX XXXX XXXX. I used it to make purchases on Sunday XX/XX/XXXX. They were all online purchases and when I went to make another purchase the card was not accepted. I called the card and they connected me to the fraud department. They then asked about all the purchases and amounts and I said yes that I made those purchases. They then asked some security questions in which I answered including they wanted my drivers license number to identify me. later found out they were not to ask for this. They said my information did not match up with my account. They lady I talked to was new and didn't know what she was doing. They then told me in order to identify me I have to go to MY financial institution and Have them call the credit card to identify me or send by email notarized documents of tax records,10W40, and ID!! What card does this??? I went to my XXXX and they strongly told me that this is not a good card and they should not have to call this card company that has nothing to do with the XXXX to verify me as the card company should already have this in place. 
I called the First National Bank Of Omaha back and they told me the same things to have done to verify me and they can not tell me anything about my account and they have blocked me completely out of my online account. 
At this point they will not even close my account at my request!! They also will not tell me how much I owe them so I can pay off the card and even if they did they still will not close the account with the fraud alert on it. 
I have ready online a lot of bad reviews on the First national Bank of Omaha. There are a lot of people going through the same thing as I am with them. I believe what they are doing and requesting for access to my account is fraudulent and possibilities for identity theft. 
I have contacted XXXX and they suggested to put a freeze on my credit information in which I have done. 
I would like this First Bank Of Omaha investigated! There should be no reason they can not identify me when I entered all my information correctly when I applied for the card. They would not have issued it to me if I didn't have correct information. 
I have also been strongly advised to not send in those documents to them so I am not doing so. 
Please get back to me on your investigation. thank you
Consumer complaint received 2024-10-31
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-02-26
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: WELLS FARGO & COMPANY (GA)

This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX  automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (MO)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONGRESS COLLECTION CORP (MI)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MI)

Nelnet has failed to process {$1000.00} payment made refund back to me. They processed only one of two {$1000.00} payments neither have been received. They are using deceptive practices to the consumer and CFPB. In my last complaint and subsequent conversations with them they informed me that they only mailed me and processed one payment refund for the amount of {$1000.00}. However that payment of {$1000.00} was split into two different checks. They canceled those checks at my request and were to expedite them to me at a new address however they have failed to do that. During those subsequent conversations they informed me that the other payment for {$1000.00} was never processed back in XXXX of XXXX. At this point they still have not processed the second payment of {$1000.00} and I have not received that one either. It has been 5 months and passed the deadline when they are supposed to refund this money. They added the money back onto my account months and months ago. If they fail to respond to this or expedite both checks for a total of {$2000.00} within the next 10 business days I will be disputing {$2000.00} with my bank and credit card. The payment has already been added back onto my account so it looks like I have never paid anything and yet I don't have {$2000.00} back in my hands. That is deception and fraudulent.
Consumer complaint received 2022-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (CA)

I received a letter from Firstsource Advantage LLC in XXXX XXXX  referencing XXXX Claim Number and Reference no. The company claims I had written a check to XXXX XXXX which has been turned over to them for collection. The check was for an amount less than {$8.00} and in addition I owe another {$25.00} for their collection service. I have verified online and with my bank that this check cleared. On XX/XX/2022 I sent a certified letter to Firstsource letting them know that the bank shows that the check had been cashed. Additionally I contacted the XXXX XXXX telephone number on my statement and they confirmed that they show the check cleared in their system. I have not heard back from the company. Meanwhile, I went to pick up groceries at XXXX and they were unable to cash my check due to an adverse notice from XXXX. I have spent an inordinate amount of time trying to understand why they are claiming that the payment I made to XXXX did not clear and whether the claim is a mistake or fraud! Thank you for your help. I have documentation I can submit. Please let me know if needed.
Consumer complaint received 2022-12-01
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. (OH)

On or about XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX while looking to be prequalified for a vehicle. I was not advised of any hard inquiry to my credit file. I was informed I was not qualified after about a week later. I was advised they could not assist with the purchase of any vehicle. 

I did not give permission or authorization for XXXX XXXX XXXX XXXX to send my information to several lenders. This was to be a prequalification only. 
I have attempted several times to dispute this matter with Experian Credit Bureau As I am reviewing my credit file with XXXX Credit Bureau. I have hard Inquiries from : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX These 5 hard inquiries are not warranted as I did not provide permission verbally or written to reach out to these partners or XXXX  XXXX XXXX XXXX XXXX 

I reached out to Experian Credit Bureau XX/XX/XXXX and spoke with operator XXXX. 
The operator advised that there was nothing she could do to remove the fraudulent inquiries off of the credit file. I advised I would reach out to your organization and file a complaint. I was told this was my best option as XXXX rejected my request for removal.