davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings (AL)

I am writing this to serve as notice that the fraudulent information, accounts, inquires, and collections on the credit report This is considered identity theft based on 15 U.S.C. 1681c-2 and needs to be removed immediately. You have 4 days from receipt of this certified letter. Based on 15 USC 1681b all of these companies have fraudulently added information to the credit report without my written consent. Which we know is a direct violation of 15 USC 1681c and fcra. Also any derogatory items and remarks are not allowed and are also in direct violation. 
The accounts : XXXX XXXXXXXX XXXX XXXX ZION DEBT HOLDINGS XXXX Inquires : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX All need to be removed from the credit report immediately, as I have the right to privacy per the FCRA and the Privacy Act of 1974. I also have the right to opt out per 1016. ( h ) states I have the right to opt out at anytime and ( g ) states that you MUST comply. Failure to respond satisfactorily within 4 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act Certified correspondence was sent to XXXX and Zion Debt holdings as well as the IRS to get this removed and at this point I will have to push forward with a lawsuit against them. XXXX currently is facing a lawsuit now. Per USC 15 1681, 1681b, 16891c-2, USC 15 1692l states that the cfpb has the right to enforce compliance in removing this fraudulent information from the credit report in a timely manner. Since I have been dealing with this with no remedy 24-72 hours is more then enough time to remove these items from the credit report.
Consumer complaint received 2023-10-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio (FL)

I called Vance & Huffman on XX/XX/XXXX  to obtain a settlement agreement due to a debt showing on my credit while purchasing a new home. My closing date ended up getting postponed & the check was mailed later than anticipated. I called Vance & Huffman immediately to notify them on XX/XX/. I spoke to someone at first but she transferred me to XXXX XXXX. XXXX XXXX advised me immediately that the call was recorded. I explained to him the situation w/the check arriving later then anticipated & that my title company wrote the check for the incorrect amount. XXXX XXXX at this time was very helpful & friendly telling me it was no problem & that he would speak w/the company partners to get an overpayment check issued back to the original issuer. XXXX XXXX requested the title company call him directly because the check came from the escrow account. The title company called XXXX XXXX & he told them that he would work on getting the check mailed out to them. After waiting a reasonable amount of time & no check, I started calling XXXX XXXX but he was out of office or in meetings but would call me back. Never a single return after over a dozen phone calls over 2 months. Finally get XXXX XXXX to respond & he said he was waiting for accounting to respond & kept giving excuses for delays. Finally today he responds that they will not issue the overpayment check. XXXX XXXX is saying that the check was received after the settlement agreed date but we spoke on XX/XX/ & XXXX XXXX stated it was no problem & he was working to issue the overpayment. XXXX XXXX claims he was not involved w/my acct is false. This was a verbal agreement made on a recorded line. XXXX XXXX strung me along for 2 months and is playing games with my money & overpayment that was agreed upon being returned. While I understand this is an exception based on the agreement XXXX XXXX advised it was no issue & agreed to it in XX/XX/XXXX  Business is based on the owners word and in this case XXXX XXXX word means nothing.
Consumer complaint received 2024-04-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received an Amex gift card as a holiday gift from the XXXX at the school I XXXX at. I've tried the card a few times at several different websites including XXXX and XXXX with little success. Sometimes the payment goes through and then is rejected later. 

Here are some of the times the card was declined despite me supplying all the information requested from the online stores : XX/XX/year>, XXXX XXXX Declined - Missing security code - XXXX - XXXX - XXXX, IL {$34.00} XX/XX/year>, XXXX XXXX Declined - Missing security code - XXXX - XXXX - XXXX, IL {$25.00} XX/XX/year>, XXXX XXXX Declined - Missing security code - XXXX XXXX - XXXX - XXXX, WA {$300.00} XX/XX/year>, XXXX XXXX  Declined - Missing security code - XXXX XXXX - XXXX - XXXX, WA It's incredibly frustrating using the card and even more frustrating trying to get customer service ( from amex and from the stores ) to help me use it.
Consumer complaint received 2024-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (AZ)

On XX/XX/2024 I was contacted by XXXX XXXX and ABC Fitness and made aware that if I did not pay my past due balance or take part in a forgiveness program I would be sent to collections, I called XXXX  and spoke on the phone with an employee who took payment of {$65.00} as part of a program to forgive my past due balance. I was told by making this payment and starting a new membership with XXXX, that my previous balance of around {$120.00} was forgiven and that after paying the annual membership fee to XXXX, I could cancel the new membership. On XX/XX/2024 XXXX debited my bank account for XXXX, this was for 1 month of membership, plus the annual fee. 

I have since canceled the membership and have now received an email from an entity claiming to be hired by XXXX to collect my forgiven debt. This entity goes by 2 names, which one is the legitimate one I'm not sure of but they introduce themselves as " XXXX XXXX XXXX '' but end the email as " XXXX XXXX ''. The former can not be located online, however XXXX XXXX has dozens of XXXX and XXXX reviews with multiple people reporting inappropriate contact that's been made by employees of " XXXX XXXX '', I have reason to believe this company is either acting fraudulently or is willfully collecting debts via ethically questionable means.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (FL)

A company named XXXX XXXX XXXX send me an offer letter for a loan, I called them XXXX and spoke to a gentlemen who asked me for some information and said there would be a soft inquiry on my credit report, he ready me my options I declined, When we hung up I started getting notifications that I had an inquiry a hard inquiry on my XXXX and that I had applied for a loan with One Main.

One Main called me and I told them that I had not authorized a hard credit pull so I reported to their theft and fraud department, I have sent them the letter they requested but i am requesting that the bureau oversees that this happens quickly ( the removal of the hard inquiry on my account ) as oi plan to apply for a mortgage loan soon. I would also request that the business practices of XXXX XXXX XXXX be looked into. 

thank you XXXX XXXX
Consumer complaint received 2023-10-19
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: ProCollect, Inc. (GA)

trying to buy a house and realize that I had some damages on my credit report. I have disputed this several times with XXXX, XXXX and XXXX, with no avail. according to the 15 USC 1681 law there should not be any damages on my credit report. XXXX has a Pro collect collections account listed twice with the same account number, but two different amounts with two different open dates. How is that possible? one amount is for {$5600.00} with an open date of XX/XX/XXXX  and the other is for {$1300.00} with an open date of XX/XX/2019. XXXX has only one listed with is {$5600.00} with an open dated of XX/XX/. XXXX does not list the unverified debt at all. This is a violation of the 15 US code 1681i ( 5 ). Removal of inaccurate and unvalidated information. XXXX has deleted these accounts.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The account is XXXXXXXX XXXX  A account closed and paid in full between XXXX. This account was never late yet Transunion and XXXX continues to report false information. XXXX did the correct investigation took the steps and did right. Now on XXXX my account has been made whole. I provided and mailed Transunion and XXXX this information many times over the last several years yet nothing has changed. Nor does my credit report reflect late payments just doesnt match my profile. Its alarming this has taken years to handle.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

My loan qualifies for total and permanent XXXX discharge and Ive provided documentation to Nelnet multiple times now, Ive been told by Nelnet multiple times that my documentation is received and is being processed and I can ignore any further requests for documentation to be provided again and again as they see that everything is corrected uploaded ; however, Nelnet is now charging interest and stating that they did not receive my documentation after I had been advised numerous times by multiple representatives that it is received and not to worry. Please help connect me to a live person who can fix this. Ive now spend at least 8 hours on the phone with them and countless emails back and forth getting nowhere.
Consumer complaint received 2023-10-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Guild Holdings Company (NC)

XX/XX/2021, I was working on closing a loan on a purchase with a mortgage company that had me approved to get a grant of {$7500.00} through XXXX. 
During the process, my Realtor said it was taking too long and had me switch my loan request to another lender. XXXX XXXX was with XXXX at the time and now works for Guild Mortgage. Her license is XXXXShe assured me that all was good and that she would close me within a week. She said " this is an open and close case and super easy ''. Fast forward a week later and she said my tax transcripts were an issue because I had amended my taxes and that there would not be time to close. She then purchased my house. She said I could rent it for 6 months and she would help me purchase it then. Rent to begin with was XXXX which is what the mortgage payment would have been. She never helped me get the financing, instead she kept increasing my rent and now it is XXXX per month. She also just informed me that I now need to move out because she is selling the house to someone else. As a consumer I trusted a licensed individual to keep their word. I was totally misinformed of this process and she took the opportunity for me to purchase this house away by having the Realtor move my file from the lender that had it approved. My children and I are now going to be on the street. I have since learned this is not the first time XXXX XXXX has done this. The public needs to be made aware of what she is doing to consumers
Consumer complaint received 2024-03-14
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. (KS)

I called to find out what XXXX XXXX sent to the credit Bureau to verify this fraudulent account on my report. I was told they verified a balance??? No Credit Bureau has any consent to share my info with anyone at any time. They are also showing financial amounts and figures, showing income, account numbers. Nor did they provide any forms, contracts or agreements signed by XXXX consenting to the use of personal information. This is covered under Kansas Statute 21-6107 Identity Theft or Identity Fraud is to possess, transfer or to use any personal identifying information, belonging to or issued to another person, with the intent to defraud that person, in order to receive any benefit, which is exactly what XXXX, TRANS UNION and XXXX are doing. PERIOD As used in this section Personal Identifying information is : XXXX. Name XXXX. Birth Date XXXX. Address XXXX. Telephone I skipped XXXX I felt they were XXXX XXXX. Electronic signatures XXXX any financial numbers!!
Consumer complaint received 2023-10-18
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. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-18
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. (GA)

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.

Has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (SC)

I have placed over 6 complaints attempting to get old addresses, telephone numbers, and names removed from my credit report. The information that I am requesting removing is old, wrong, or unknown. Lexisnexis provides investigation reports indicating that the information is removed but once I review the report there are no changes made. 

It has been a lengthy process and a total nightmare dealing with lexis nexis. Something needs to be done to stop this agency with providing a horrific service that is costing consumers ' added expenses when purchasing various products.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Account Type : Charged Off - Account Filed Date : XX/XX/XXXX - Account Amount : XXXX - Account Closed Date : XX/XX/XXXX - Comments : BK OF AMER  '' Above is the only information the SEC was able to pull from my background check in order to complete my registration they are needing verification information that this debt has been resolved. 

In XXXX or XXXX the balance of the account was transferred to my now ex-wife 's card. Over the next year THAT card was paid off. Her card was not with BOA it was an independent card and I do not remember what kind it was, maybe a XXXX. 

Anyways, it was not charged off to a collection agency. My employer is needing paperwork to complete my hiring process. When I have contacted BOA, their automated system will not allow passage unless you have an account number or a SS number. This account is so old the system does not recognize my SS. The only department I can get to a live person is the CC application department and they do not have access to archived records. When/If they transfer me, it just puts me back into the automated system que. 
I also went into a local BOA branch, and they can not pull up information on this account again, because of the age of it. They could only give me a number to call which of course brought me back to the gatekeeping automated system. 

I need to speak to a live person in both the Credit Card archive department and the Mortgage department to get paperwork for both the closed-out card and the foreclosed mortgage from XXXX.
Consumer complaint received 2023-10-18
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. (LA)

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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX says I owe for a credit card that was open to an address that I never even lived at I never took out or had a XXXX  XXXX card this isn't even my address where it was taken out please have XXXX XXXXXXXX delete this from my TransUnion and XXXX credit reports
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I was a victim of theft. I filed police reports and contacted chime. I sent paperwork showing that I filed charges and even paperwork showing I was in a rehabilitation center and couldn't have possibly used the funds. I even sent letters to cancel my account which was ignored during my rehabilitation stay. I asked what we could do to get my money back. Chime continued to deny and close my case. 
I wasn't given explanation or what I could or should do.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Consumer complaint received 2023-10-18
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. (TX)

I am formally requesting this letter to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX  XXXX XXXX Balance : {$2900.00}.
Consumer complaint received 2023-10-19
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. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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