davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am sure you are aware of 88 Stat. 1514, and FDIC XXXX Consumer protection ch.4 Sec 161-173 [ Codified as 15 USC 1666 A-J ] all under the terms and defined The Fair Credit Billing Act and my rights as a consumer. I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from Capital One for the interest I have earned, as a result of Capital One is trading my securities on the exchange. This has been done without my knowledge and constitutes that Capital One trustee listed above is committing SECURITIES FRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub. L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] USC Title 18 sec 8 & HJR 192 - All debt is government obligations. 15 USC sec 1681 b 2 - Company is violating my consumer right to privacy.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (IL)

I have an open and active account with the First National Bank of Omaha and have had the account for XXXX years and XXXX months. The card is reporting to the bureaus that the account is closed when it is an open/active account. This improper reporting is affecting my credit age so it looks like I have just started receiving credit XXXX year ago instead of XXXX and a XXXX  years ago. I have reached out to the lender and made disputes with the credit bureaus and no one has made any changes.
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX and XXXX XXXX Account Number XXXX. Inquires as follows XXXX XXXX and 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 2022-09-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

A MODIFICATION WAS PROCESSED BACK IN XXXX. WITH THE INITIALS I AM LOOKING AT ARE NOT MINDS OR MY WIFE. THE LETTERS LOOK LIKE A WHITEOUT FLUID WAS USED OR SOMETHING WAS ERASED, AND A LETTER WAS ADDED. I FEEL THAT THE NOTARY SHOULD HAVE MARKED IT A INCOMPLETE JOURNAL. IT REALLY LOOKS LIKE THE LETTERS WERE TRANSFERRED FROM ONE DOCUMENT TO ANOTHER TO MAKE IT LOOK AUTHENTIC. THE MODIFICATION CAUSED THE SUM OF {$30000.00} TO BE ADDED TO THE PRINCIPAL OF MY MORTGAGE WITH INTEREST. WE DID NOT SIGN THIS DOCUMENT BACK IN XXXX I DID NOT REQUEST FOR A MODIFICATION. I HAVE A DOCUMENT THAT SHOWS THAT AMOUNT WAS DEPOSITED IN ONE OF YOUR CLIENT 'S ACCOUNTS AS AN ASSET IN XXXX
Consumer complaint received 2022-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I have called and spoken with customer service of XXXX, and I have filed disputes with Experian, XXXX, and XXXX with no resolution. When I asked about speaking to management, I was told they do not speak with the public. 

Both are charge-off accounts. However, XXXX credit bureau says it's a collection account. 

When I called, I was told that one CHARGE OFF account was recently sold to a collection agency called XXXX XXXXIncorrect and inconsistent amounts are listed on each bureau related to dates opened, Information is listed differently related to secured loans, collection, and charge off. 

The balance has been increasing, which should not be due to it being charged off. It should be continuously reporting a charge-off monthly, nor should it be accumulated interest if it has been charged off already. 

If the account has been sold, it should be deleted, as this will be double jeopardy in reporting two duplicate accounts on my report. Especially if one has been charged off and you have legally taken it as a loss with IRS. 

The consistent inaccurate reporting on my credit report over the past several years needs to be fixed by removing these XXXXXXXX XXXX. I have tried to rectify this over the past 60 days.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

MY NAME IS XXXX XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX REF XXXX & XXXX XX/XX/year> Dear Sir/Madam, I am writing to dispute the validity of the debt you are attempting to collect from me. I am aware that under the Fair Debt Collection Practices Act ( 15 USC 6801 ), I have the right to request validation of the debt and to dispute any inaccuracies. I am also aware that under the same act, debt collectors are required to provide me with certain information regarding the debt.

I have not received any verification of this debt from your agency, nor have I been provided with any documentation proving that I owe this debt. Furthermore, I have not been provided with the required notice of my rights under the Fair Debt Collection Practices Act, as mandated by law ( 15 USC 6802 ).

I am requesting that you cease all collection activities until you can provide me with the necessary verification of the debt and documentation proving that I owe this debt. Failure to comply with these requests will result in further legal action being taken against your agency. 

I expect a prompt response to this letter and a resolution to this matter. Please provide me with the requested documentation within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I am writing to request my loans and the actions of Navient be investigated for requiring payments and charging interest during the student loan freeze. Navient did not freeze my loans nor did they stop charging me interest throughout the entire pandemic. I emailed Navient during the summer of 2021 and asked why I was being charged interest and required to make payments. I also requested they remove the late/penalty fees they charged me while I was under the impression that I was not required to make student loan repayments. They told me my loans were not federal loans and did not qualify for the national student loan freeze and did not grant my request for a refund for the fees. When I checked on this website, I saw there were 4 loans listed ; 2 of them show 6.8 % interest and 2 show 0 % interest. I have been being charged 6.8 % and 3.3 % interest on each of the 4 loans listed by Navient. I also paid off other loans through Navient during the pandemic that I feel like I should not have had to pay, but was forced to. I request that an investigation be conducted into the handling of all my loans by Navient.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-28
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)

My credit information is being used incorrectly and without my authorization by the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), which mandates that only individuals or entities with a legitimate purpose can access and handle my credit history, I believe the bureaus have violated my rights by maintaining or distributing information without my explicit consent. I request an investigation into the misuse of my data and ask that my information be safeguarded in accordance with the applicable regulations. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-16
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. (GA)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my XXXXture on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date open : XX/XX/XXXX Balance : {$3100.00} - Charged Off XXXX ( Original Creditor : XXXX XXXX  XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$90.00} - Collection XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$1400.00} Late/Open XXXX  XXXX  XXXX  Account # : XXXX Date open : XX/XX/XXXX Balance : $ XXXX
Consumer complaint received 2024-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My son got a hold of my debit card and spent money in game that was not authorized. This was a total of six transactions that total about {$120.00}. This was made on a Saturday evening and I contacted by Bank ( USAA ) on Monday to dispute these transactions. My son is autistic and has control issues. 

One transaction was {$32.00}. The rest of the transactions were under {$30.00}. All transactions below {$30.00} were forgiven and returned. A Dispute investigation was started concerning the {$32.00}. I was sent a request from the dispute department asking what product I wanted from this merchant. I reached out to the bank and spoke with Level 2 employees. I was assured that the dispute would be found in my favor and the dispute department should reach out to these level 2 employees prior to making a finding. I asked to speak to someone in dispute or a director, but was told that they do not speak to people. 

XX/XX/XXXX the transaction was revered and the money was taken from my account. I contacted the office of the CEO ( USAA XXXX ID XXXX ) and spoke two different employees due to first contact person going on medical leave. XXXX ( EXT 540XXXX ) was the second employee assigned. He went through the calls and figured out not one employee had added that this was a game transaction. He said he would start the dispute process again and we should wait it out. 

I have tried to call XXXX back several times and promised call backs from disputes and others. 

The points to several issues that should be investigated by regulators such as internal controls.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX i am bank of america customer for 15 years. my business is XXXX XXXX and only way i can get paid from my client is through XXXX letter of credits or documentary collection. Bank of america offer these services as per their portal, however, beside my best efforts, i am refused as i am not a " XXXX XXXX XXXX XXXX '' as being told to me by business banker as well as treasury services. i dont know how to resolve it as i am being discriminated due to no fault of mine. Bank of america is offering services as such to many businesses but i m told, i am not qualified. i am refused any explanations or any policy references to relate to. 

I was told to get a referral from business banker. However business banker told me i am not qualified due to XXXX XXXX XXXX  limit.
Consumer complaint received 2022-05-31
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: ALLY FINANCIAL INC. (GA)

some of my accounts are to old and some are not in there system and some inquiries i did give company 's permission to run my credit on { 1 } XXXX XXXX XXXX XXXX # acc XXXX { 2 } INQUIRIES ally financial XXXX XXXX { 3 } XXXXk XXXXXXXX XXXX { 4 ] XXXX XXXX XXXX XXXX XXXX XXXX 1 } XXXX XXXX account XXXX closed XXXX { 2 } XXXX  XXXX XXXX old balance paid off { 3 } inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX 1 } cXXXX XXXXXXXX XXXX to old { 2 } XXXX XXXX XXXX XXXX to old paid off { 3 } XXXX  XXXX XXXX paid off { 4 } XXXX XXXX inquiries needs to come off
Consumer complaint received 2022-05-31
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: WELLS FARGO & COMPANY (GA)

some of my accounts are to old and some are not in there system and some inquiries i did give company 's permission to run my credit on { 1 } XXXX XXXX XXXX XXXX # XXXX XXXX { 2 } INQUIRIES XXXX XXXX XXXXXXXX XXXX { 3 } XXXX XXXX, XXXX { 4 ] XXXX XXXX XXXX XXXX XXXX XXXX 1 } XXXX  XXXX account XXXX closed XXXX { 2 } XXXX XXXX XXXX old balance paid off { 3 } inquiries XXXX XXXXXXXX XXXX XXXX XXXX { 1 } XXXX  XXXX XXXX to old { 2 } wells fargo acc XXXX to old paid off { XXXX } XXXX XXXX XXXX paid off { XXXX } XXXX XXXX inquiries needs to come off
Consumer complaint received 2024-12-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A. (NJ)

I learned of this old debt in XXXX of XXXX. I contacted the company handling the debt. I negotiated the amount down a little and I paid it off. I have a Release of Liability letter. In XXXX of XXXX another debt collection company levied my bank account, cleaned it out leaving a XXXX balance for the same exact debt that I had paid. They got a court order without notifying me. 

I have contacted them. They are rude and uncooperative. I asked them to put the money back. I submitted all my paperwork to them via email. Yesterday I received via certified mail, something that states that I have 10 days to respond otherwise all my funds will be permanently released to them. I contacted them and the bank prior and it is my understanding that the funds are currently being held. 

I can not afford a lawyer to fight this.
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (TX)

I have called Nelnet Multiple times and have requested a refund on my loan payments made during the COVID forbearance. They have not reached back to me after a month and will not answer any of my questions.
Consumer complaint received 2024-11-16
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. (MA)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Late/Closed
Consumer complaint received 2022-06-06
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)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-06
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX Bank 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 without my written instructions.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving XXXX, Experian, and XXXX.