davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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 2022-05-14
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. (AL)

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-05
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : THE XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

I fell behind on my mortgage last year because of unexpected medical due to a road accident, I tried working out on options to catchup on my mortgage payments with my mortgage company, they don't seem to help me in any way, I was turned down for a loan modification in the month of  XXXX stating they can't give me a loan modification.

I only need a chance to start paying my mortgage, I currently owe close to {$36000.00} in arrears, and I need a repayment plan.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Hello, I recently had my account closed by Chase Bank for " unexpected activity ''. I have never seen or heard that term used before with any banks. They sent me snail mail during the holidays ( they did not take that into consideration when sending ) and it got to me too late. On the letter is states that my account was set to be closed on XX/XX/XXXX and that all transactions will be declined. However, I was still making purchases past the given date. They also gave me less than 30 days to transfer/withdrawal my funds, which is not usual. They gave me 2 weeks essentially, including delivery time, during one of the busiest times of the year. Upon opening the letter, I decided to call immediately, I was still able to log into my account. I also noticed with the letter they sent another one titled " update '', implying that this was a second letter, but it was all in one. The ladies on the phone were extremely unhelpful and told me I have to go to a branch to get it resolved. The next day, today XX/XX/XXXX I decided to go to my local branch and speak with my usual banker. He told me that unfortunately the mail is a constant issue they have and since I didn't come into the branch before the date listed I have to wait until the XXXX for it to start being processed and it wont get delivered until XX/XX/XXXX. Which means I won't get it until after XXXX because everything is closed. They never mentioned that I had to come in before the date or come in at all on the letter. The only reason it stated to come in was to claim my rewards. They also never emailed, or called me to notify me of the pending closure, they just closed it. I also went in today to retrieve my routing and account number and the lovely ladies I spoke on the phone with restricted me from accessing it. That is an issue because my employer will continue to make deposits unless I fill out a form that requires those numbers. My banker called to try and have the check expedited, but they said it was too late. They also told him that the official closing date is XX/XX/XXXX on their end, which doesn't make sense to me if all my information linked to the account was deleted and the letter said XX/XX/XXXX. I have to pay rent and bills I can not afford to wait until after XXXX for my money. I don't think it's ethical considering the account was closed last week. Upon this happening to me I realized a lot of people had success with you guys and my banker suggested I file a claim.
Consumer complaint received 2023-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IL)

I initially submitted my application for the SAVE Income Driven Repayment plan to the department of education on XX/XX/2023. I submitted a copy of that application to Nelnet on XX/XX/2023 and received an email confirmation that it was received. The email stated " If we havent finished processing your application in 10 days, we will send a follow-up email to let you know ''. I received another email on XX/XX/2023 that the application in in a processing queue and this was the last update I received. I attempted to call Nelnet on XX/XX/XXXX and their phone system stated the wait time would be 30 minutes. I was on hold for an hour, nobody answered and I couldn't remain on hold. I called Nelnet again on XX/XX/XXXX and the wait time was an estimated 30 minutes. I waited on hold for 3 hours until a rep took my call. The rep was unable to give me any details on the status of the application and when it would be processed. The rep could not confirm that anybody would give me a call back or send me any kind of email update. There was a moment where the rep suggested that I upload pay stubs to their system but did not confirm that this would be a required step for the application. This is my typical experience with Nelnet. Their reps are never able to give you a strait answer and sound like they just started the job in the past week. They have cut off direct email communication from their customers and instead you have to fill out a form in the hopes that someone will contact you and the is zero confidence that they will. 

Their system states that I have an upcoming student loan payment due on XX/XX/XXXX. I have fulfilled my obligation in turning on my application. Now it's time for Nelnet to fulfill their own obligations and is they can't, they need to be dissolved and have my transfer my balance to a different servicer.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

In Accordance with the Fair Credit Reporting Act. The three credit bureaus below has violated my rights. XXXX, Experian and XXXX. 

this is the correct info that should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-09-20
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. (TX)

This letter is a formal complaint that you are reporting the reporting agency have violated 15 US Code 1681b As a consumer, I never gave the reporting agency written consent to report anything on my credit report.
Consumer complaint received 2020-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi HAPPY SATURDAY! - and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

My new checking account was closed right after I opened it. Wells fargo and XXXX XXXX refused to give me the reason. But I new the reason when XXXX XXXX purposely put herself at the bank while I was opening my new account. She falsely called them saying I harassed her while i was minding my own business and the banker i was working with knew i wasn't harassing XXXX XXXX. The police didn't do anything to me either. Wells fargo for XXXX years didn't put in writing that why my account was closed because I was harassing XXXX XXXX. She was harassing me falsely accusing me and she kept getting away with it. Wells fargo finally admitted after XXXX years were up that it was because I was harassing XXXX XXXX which is why my account was closed. I had the original opened for XXXX  year until XX/XX/2015 when I couldn't log in to my online account. I was being set up by XXXX XXXX to pull what she did. 

They need to find someone who isn't in cahoots with XXXX and XXXX XXXX to investigate my complaint. Because if they had looked at the footage of the security cameras. It would show the time XXXX XXXX walked in and the time i walked in. I had no idea at the time she was at the bank. She got away with falsely accusing me once before she was going to do it again. 

When the police didn't do anything. She whined to XXXX XXXX who wrote me a nasty and hostile letter with saying XXXX at the top of the letter stating that wells fargo was exercising their rights to close my account. I was only to call on the phone to conduct any business. This was a violation of my civil rights! XXXX XXXX refused to investigate the security footage that I wasn't bothering or harassing XXXX XXXX. It would show that I was minding my own business talking to the banker helping me. This was dirty and criminal. Then someone at wells fargo said they don't handle domestic issues. Well, XXXX XXXX brought the domestic issue to harass me in the bank to slander I and my son to influence wells fargo to close my account. 

A lawyer told me I can sue for millions for the mental distress and breach of contract for them wrongfully closing my account since this was at the bank where XXXX XXXX continued to harass me. That makes wells fargo responsible for the actions and misconduct that she committed against me. XXXX XXXX is not in charge of my life of what I can or can not have but she is being allowed to treat me like she did.
Consumer complaint received 2020-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

I was looking for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX online since this card has been sold out from XXXX. I came across a listing on XXXX for this card. It mentioned it was slightly used and was selling it for XXXX. On XXXX this exact card is going for over XXXX. I offered XXXX and he excepted. I asked about payment and he said he excepts XXXX. I continued to send payment for XXXX on XX/XX/20. On XX/XX/20 XXXX texted me back saying that I need pay XXXX additional for shipping and insurance. I advised him that I don't need the insurance and would only pay the shipping. He was then harassing me to send me him money. He started at XXXX, then XXXX, then XXXX. I simply said no and this doesn't sound right. I said no deal and send me my money back. Also, he was using a different phone number as well for the texting. It was XXXX XXXX XXXX XXXX. Since XXXX I have been bothering him to send me my money back and at one point he said he would on XXXX but it would have to be a wire transfer. I told him to stop play games and send my money back. I also sent money request through XXXX and he continued to decline them. I gathered this information that i have from a website XXXX 

I bank with TD Bank and when I informed them that I was a victim of this scam they would not do anything to help me get my money back. I have 3 accounts with TD and a long standing customer. They simply refused to help me. They said I can open a case but most likely they can't help. This is outrageous that I can not rely on my bank to help me at all. Now I filing complaints all over the internet on my own from being a victim of this scam. Next item is XXXX, they also said they can not help. Companies like XXXX, and XXXX protect their customers but seeing that XXXX and TD are not willing to do anything.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2022, I mailed TransUnion, XXXX, and XXXX to investigate false and misleading information they are reporting to my consumer report.I need proof that an investigation was done. I asked for YOU to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt. I would like to the name and address of the original credit. They have fail to provide me with any proof that I owe the alleged debt.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (CA)

The credit agencies are not reporting items correctly. I am attaching a copy of my credit report. I am requesting this account be removed from my report. It has caused harm. Also remove this inaccurate data from the secondary reporting agencies as well.
Consumer complaint received 2020-12-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hi, There is NO reason that banks should charge fees for withdrawal transactions submitted to a bank account. They are well aware of the account is empty. If they cared about benefitting the customer, they would block it, with no consequences. Instead, they charge an egregious {$35.00} industry fee. This fee would never be allowed, except these banks have regulatory monopolies given by their special government mandates. Moreover, they charge the same fee as many times as transactions occur. Using their app to check my balance, they also slow the update time, so that it is IMPOSSIBLE to check your real-time balance. Therefore, your ONLY hope of avoiding overdraft fees ( even if you do everything possible to avoid it ), is to never allow your account to fall below many multiples of your monthly withdrawal volume. ( E.g. if I spend $ XXXX / mo, then I need to maintain $ XXXX in my account, otherwise the multiple transactions hitting the same bank account may overdraft, given it is impossible to check the real-time balance given the banking delays. All major retail banks have this. This means if the transaction fails or you can not know about the overdraft ( THEY DON '' T EVEN TELL YOU AND I REALIZED MANY HIDDEN FEES IN OLD TRANSACTIONS ). THESE BANKS DON '' T HELP CONSUMERS THIS WAY. THEY STEAL MONEY THAT CUSTOMERS DESERVE THE RIGHT TO PREVENT. I SHOULD NOT NEED TO HAVE STUPID AMOUNTS OF MONEY IN MY SAVINGS ACCOUNT BECAUSE OF OVERDRAFT FEES. I LOSE HUNDREDS OF DOLLARS, THE BANK ALSO STEALS, IN OPPORTUNITY COST XXXX XXXX XXXX DOLLARS A XXXX YEAR HEY GOVERNMENT. IF YOU'RE GOING TO CREATE BANKS. FIX THE XXXX OBVIOUS ABUSE OF POWER. DO YOUR JOB. THE FACT THAT OVERDRAFT FEES EXIST PROVE HOW MUCH YOU XXXX XXXX AND SHOULD NEVER HAVE HAD OVERSIGHT. I WOULD CREATE A NEW BANK TO FIX THIS PROBLEM, IF YOU LET ME. YOU ONL.Y LET THE XXXX EVIL PEOPLE START BANKS AND XXXX PEOPLE OUT OF THEIR FUNDS, EARNING RISK FREE PROFITS BECAUSE OF THEIR GOVERNEMENT PROTECTED MARKET POSITION. CUT THE OVERDRAFT FEES OR ADMIT YOU'RE XXXX XXXX XXXX XXXX THAT HURT YOUR COUNTRY MUCH MORE THAN YOU HELP. BAD AMERICANS. DO SOMETHING. DON'T XXXX ARGUE WHY OVERDRAFT FEES ARE GOOD. I'M RICH. I DON'T CARE ABOUT HUNDREDS OF DOLLARS. YOU XXXX DESTROY PEOPLE WITH YOUR REGULATIONS WHO STRUGGLE TO SURVIVE. XXXX STOP THE OVERDRAFT FEES. REVIEW THESE BANKS TOP TO BOTTOM. HAVE CONGRESS EXECUTE, AND TESTIFY. GET YOUR XXXX COUNTRY IN ORDER YOU XXXX USELESS GOVERNMENT AGENCIES. 

PLEASE REQUIRE THAT BANKS REMOVE OVERDRAFT FEES. THEY DON'T EVEN WITHDRAW THE MONEY. ALL THEY DO
Consumer complaint received 2023-08-09
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. (MA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.