davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AFNI INC. (MD)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant to 15 USC 1602 [ a ] that your Company never that your company never provided adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 [ k ] the terms adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation un 15 USC 1602 [ k ].

Further pursuant to 15 USC 1601 [ a ] consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end I have not benefited from this transaction which again is a violation of 15 USC 1602 [ p ].

According to 15 USC 1602 [ p ] The term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to do the below mentioned things : DELET THESE ACCOUNTS AND VALIDATE THE DEBT 15 USC 1602G [ 4 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX now ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, I will not escalate this matter to the Federal Court. in case, you dont accept the above request a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Since XXXX XXXX XXXX. 

ALL RIGHTS RESERVED WITHOUT PREJUDICE UCC1-308
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My information was sold and bought illegally because I was a victim of the XXXX, XXXX XXXX, XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX, XXXX XXXX, XXXX has admitted that I was in fact a victim of this data breach and XXXX, XXXX XXXX, XXXX has done nothing.Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2023-11-10
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 XXXX account : XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXXXXXX = {$400.00} XXXX {$1400.00} XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX {$350.00} XXXX {$350.00} XXXX XXXX {$1400.00} XXXX  {$1100.00} ( 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 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

Nelnet has, for the past two months, effectively prevented me from signing up for the SAVE IBR plan. I submitted all of my material to Nelnet via XXXX on XX/XX/XXXX, before student loan payments resumed. I linked FSA to my XXXX W2 form, as the application required. I clearly qualified for the plan. 

Yet Nelnet, despite receiving my application, never processed it. 

For the next two months, I received intermittent emails from Nelnet stating that my application was " in process. '' Meanwhile, loan payments had resumed, and my interest was accruing at $ XXXX. Under the SAVE plan, it would not have accrued at all. 

Finally, on XX/XX/XXXX, I called Nelnet to check on the status of my application. After waiting on hold for about two hours, Nelnet 's customer service representative told me that my application was incomplete, as I had not submitted proof of income from XXXX. 

Not only was this falseI had submitted my W2 as required through FSAbut Nelnet NEVER INFORMED ME that it was missing documentation. I immediately submitted my proof of income directly through the Nelnet site, but now need to wait another 30 days or more for Nelnet to process my application. Meanwhile, my interest continues to accrue. 

Nelnet 's failure to communicate has thus far cost me more than {$1000.00}, and will likely cost me another {$1000.00} before my application is approved. Its hold times are unconscionable. Nelnet is an agent of the federal government, and it should not be allowed to prevent its clientswho often have no choice but to use its servicesfrom enrolling in federal programs as is their entitlement.
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: PNC Bank N.A. (VA)

On XX/XX/year> attempted to get a XXXX} cash advance withdrawal from a PNC ATM located inside of XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX VA XXXX. The ATM malfunctioned instead of receiving XXXX} in twenty-dollar bills, I received {XXXX  in ten-dollar bills! This has never happened to me in my life! Went to the Manager to express what happened and subsequently all the ATMs in the store were taken out of service via large OUT OF ORDER signs. I was told to reach out to my CC company to dispute this transaction which I did. But I still asked the Manager at the XXXX store isnt this a problem that PNC and its ATM SERVICER are suppose to fix? I was not given any type of phone or contact number by the store! I snapped a photo of the PNC ATM but there wasnt any visible identifying information on it. My CC bank is XXXX XXXX I immediately notified them and began the dispute. I also found PNCs contact information on XXXX and called to speak to someone anyone and I have gotten no where. On my XXXX  XXXX CC statement there is a XXXX cash advance charge PLUS fee but I never received that amount the faulty ATM dispensed incorrect bills of {XXXX}. This situation has not been resolved and as a consumer this should not have occurred and then to add insult to injury NO ONE is taking responsibility.
Consumer complaint received 2023-11-10
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX MTG Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC. (WA)

This company claims I owe them nearly XXXX dollars and its hurting my credit score. Ive tried to dispute it as I do not owe this company anything. I asked for them to please send paperwork stating why I owe the said amount and to please verify that their information is correct and I explained how Id like proof. No proof was sent over. As a matter of fact the company was unable to pull up any information on their end. 
Please delete this account from my credit reports, all three bureaus please. 
I am tired of being ignored. I am tired of my disputes being ignored. I want proper verification and they refuse to provide or delete from my credit profiles
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

On XXXX and XXXX I called and confirmed that if I had made a payment by phone, the amount would be available for a out of country trip I was taking on XX/XX/XXXX. I was told by multiple agents that as long as the payment was made by XXXX XXXX, the funds would be available the next XXXX  at XXXX XXXX. With this in mind, I made the payment. On the XXXX  of XX/XX/XXXX, the funds were not available. I called and they informed me their procedure won't allow them to make the funds available until XX/XX/XXXX. At this point I had paid the {$600.00} payment and couldn't make other arrangements to use a card out of the country, leaving me without an option for our time in XXXX. These calls were recorded and serve as proof. These calls were made to avoid the situation I know find myself in. This has put me and my family in a tough spot financially but also will make it tough to do the things we wanted to do on the trip.
Consumer complaint received 2023-11-10
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I am a victim of pig butchering scam. I wired money to XXXX XXXX on XX/XX/XXXX for {$55000.00} and on XX/XX/XXXX for {$110000.00} through my bank account with XXXX XXXX XXXX. 
I initiated wire recalls on XX/XX/XXXX once I came to know about the scam. 
This business is using wire transfers as part of a scheme to defraud or to obtain money by means of false or fraudulent pretenses My complaint alleges that the proceeds of wire fraud was involved in money laundering and Banks are facilitating. I initiated wire recalls through my XXXX XXXX XXXX  on XX/XX/XXXX, but so far no recovery is done. 
2 wires in the amount of {$55000.00} sent on XXXX and {$110000.00} sent on XX/XX/10 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Beneficiary 's Account Number : XXXX XXXX Routing Number:XXXX  Bank Name : Citi Bank XXXX XXXX XXXX XXXX Bank Address:XXXX XXXX XXXX., XXXX XXXX XXXX NJ XXXX I have reached out my local XXXX law enforcement who has reported the case and assigned detective XXXX 
I have reached FBI through IC3 form and currently working with a FBI Agent XXXX XXXX from XXXX XXXX, CA, who is assigned formally to investigate my matter. My case # with the FBI is XXXX I have also reached out other authorities like FTC, CFTC, SEC, NFA, XXXX, Attorney General of Georgia, CFPB, OCC, FINRA, DFPI and XXXX XXXX District Congresswoman. 
I just want XXXX XXXXXXXX XXXX to return my money that I wired to XXXX XXXX XXXX XXXX XXXX under false pretense and misrepresentation.
Consumer complaint received 2024-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAND HOME FINANCIAL SERVICES (NJ)

I made my XX/XX/2023 payment to XXXX XXXX XXXX, the check was cashed and never credited into my account which has been sold to another investor and managed by Land Home Financial Services. The copy of the check was provided to Land Home Financial Services and it has not been credited to my account. Also Land Home Financial Services has not paid the corresponding part of the yearly taxes to the Town of XXXX. 
I will proceed with a lawsuit for failing to pay the corresponding escrow taxes. 
I contacted a manager by the name XXXX XXXX, I emailed him the cashed check and he still didn't do anything. This company is a fraud, they steal money, cash checks and do not apply to customer accounts. This company should be investigated for FRAUD.
Consumer complaint received 2023-11-13
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: Experian Information Solutions Inc. (OH)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report 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
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete information showing. I was advised by a legal friend of mine that under XXXX5 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct starting with the List of accounts. If not, please remove it from my credit report Immediately. 
Inaccurate and Incomplete Information 1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete from my Credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-12
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: Sezzle Inc. (CA)

I requested Sezzle to give me verification of this account to prove it is mine. I also asked for the same verification from the XXXX and XXXX. I have yet to receive it at all. Also the account has been charged off for awhile and according to the FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) its considered income by the irs and income can not be reported on your consumer report! This needs to deleted immediately! You have already deleted it and there is no way in 3 days letter you proved that it was verified and put it back on. THIS INFORMATION IS INACCURATE NOT MINE AND A FRAUDULENT ACCOUNT! It needs to be removed at once. Im going to have to sue after this because this is ridiculous. They are not upholding the consumer law my rights Also all these inquiries ARE NOT MINE!!! Remove them at once! How many times have I requested proof and how many times must I say they are not mine a fraudulent. Remove them at once!!!
Consumer complaint received 2023-11-13
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: Experian Information Solutions Inc. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXXXX
Consumer complaint received 2023-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collectors Corp. (WI)

XXXXXXXX XXXX XXXX supposedly gave this fake debt to professional collectors corporation XXXX which they couldnt validate the debt in XXXX of XXXX  so it was removed. So since they couldnt validate the debt on XXXX professional collector corporation then put it on my XXXX report again on XX/XX/XXXX not being able to validate the debt I am assuming that pcc gave XXXX a kickback of some kind since the bill doesnt exist. I just seen that XXXX will not take it off my account even though they cant verify it. It shows that I disputed it. I will keep disputing it until pcc can show this bill into existence. Pcc has committed fraud and embezzlement with taking money showing that my health insurance picked up all of the bills they say I owe. They sent me a national standard intermediary remittance advice showing how much the insurance paid. All of my medical bills were paid. The bills were taken off of XXXX since they couldnt be validated. XXXX must not check to actually look and make sure the bills is validated. I will dispute this over and over again.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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