davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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. (FL)

This is my second attempt since credit burea 's still have failed to respond to my previous disputes. This company is in direct violation of the FCRA and my consumer rights. I will be seeking monetary damages for willfull noncompliance and negligence if this matter isn't resolved immediately. 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 : # 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 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

I am disputing the following late payments reporting on my credit report. I believe that these are inaccurate. It is my right to get a fair investigation into this as i have proof that the following late payments reporting are incorrect and believe that they are appearing as an error. I received a copy of my credit report and found the following item ( s ) to be in error : Under 15 USC 1666 Billing Error this account is inaccurate and i did not incur any late payments. Please update this to paid on time. This account was paid and closed i need this to be updated to paid on time with NO LATE PAYMENTS reporting. 

1. Under 15 USC 1666 Billing Error SPEC LOAN SV Account XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME I need this changed immediately it is hindering me tremendously from obtaining new credit and needing to make financial decisions. I have also attached my License and Social for proof of identity
Consumer complaint received 2023-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (NY)

Dear Sir/Madam, I am writing to dispute the validity of a debt collection account that appears on my credit report. I recently obtained a copy of my credit report and discovered an account listed by your agency under the name XXXX XXXX XXXXXXXX XXXX with account number XXXX. I believe there may be inaccuracies or discrepancies associated with this account. 

I would like to request detailed information regarding this debt collection account, including the following : Verification of the debt : Please provide documented evidence that verifies the debt in question, such as the original creditor, the amount owed, and the nature of the debt. 

Proof of ownership : Please provide documentation that confirms your agency 's legal ownership or authorization to collect on this debt. 

Validation of the debt : Please provide information on the date of the last activity or payment made on the account, as well as any relevant supporting documentation that substantiates the validity and accuracy of the debt. 

I understand that, as a consumer, I have the right to dispute and seek validation of any debt that appears on my credit report. I am exercising this right in order to ensure the accuracy and legitimacy of the information being reported. 

I kindly request that you cease all collection activities related to this account until its validity has been verified. Please also remove any negative reporting associated with this account from my credit report during the investigation process. 

I appreciate your attention to this matter and look forward to receiving the requested information within the timeframe specified by the Fair Debt Collection Practices Act ( FDCPA ). Please communicate with me in writing to confirm receipt of this dispute and to provide updates on the investigation. 

Thank you for your prompt attention to this dispute. I trust that you will handle this matter with the necessary diligence and in accordance with the applicable laws and regulations. 

Sincerely, XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I received an email notification that my account had reached XXXX balance. I went to a branch and made a cash deposit, and told the cashier it needed to post on the same day. Wells Fargo didn't post it until the next day. 

In my online banking, the next day, the screen I could see, showed a positive balance and no fees. All this was, IIRC, XXXX. Now on XX/XX/XXXX, I'm being charged a {$35.00} fee, for a {$26.00} item I covered the same day. 

They are either keeping me in the dark, or are illegally backdating things to generate fees. 

I've been with the bank since 1976 and had a 10 year career in financial services, which included some compliance background. 

IMHO, this stinks and it's insulting that they are offering " as a courtesy '' to refund XXXX of the fee. It has been escalated, but will take days and I have no idea if I will be in a place where I can discuss it, if and when somebody calls back.
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

I was promised employment by a copy called XXXX then the company apparently sent me a check to deposit in my account that I needed to send to a an Office equipment supplier called XXXX XXXXXXXX. I deposited the money but before it could clear I was asked to send an equivalent amount via XXXX. I tried to send the {$4600.00}, in XXXX chunks through my accounts at XXXX XXXX XXXX and Wells Fargo. I was asked to send the money via through XXXX XXXX XXXX XXXX declined the transfer because according to them XXXX was not a registered XXXX user. However, Wells Fargo transferred the money in XXXX chunks without any questions asked. 
Here are other emails of individuals connected with this scheme : XXXX : had online chats from XX/XX/scrub>XXXX  to XX/XX/year> XXXX : email directing me to reach XXXX above XXXX : sent me the checque XXXX : received the XXXX transfer XXXX : affiliated name is XXXX XXXX I also have copies of XXXX transactions to XXXX
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

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 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 sectio n 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 1681 s-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. No Opt outs were granted per 16 CFR-313.17 also in violation of 16 CFR 433.2- Account number- Credit bureaus have multiple late items with unmatching dates and late payment statuses that need to be updated. Also there are multiple charge off Accounts these accounts can not be listed as income on my end due to company already charging these items off via 1099 this would be double accounting and fraudulent collecting. There was also information being shared that was not authorized to other 3rd party affiliates this is a violation of the Privacy Act of 1974. 
Company information
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This account has multiple errors in my credit report, negatively affecting my history. 

Among the many errors that the account has, the type of account is different in all credit reports, the number of months, the status of the account and the date of the last report are one of the many inaccuracies that this account presents. 

This is an account that was closed in the past where it shows that it was closed without any debt, but it is affecting me because of all the errors it presents.
Consumer complaint received 2023-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (WI)

I am furious. InXX/XX/2022 I spoke to the manager of this agency who told me that if I set up pay arrangements I would not be reported to the credit bureau. They've been withdrawing payments from my checking account monthly and just took another payment last month!!! I just realized that they indeed did report the balance to my credit report. I received no contact regarding this or the possibility of this!!!!!!!!! I am furious because they clearly lied to me!!!!!!!!!!!! I received no phone call from this agency since XXXX!!!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-04
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. (KY)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TX)

My right to privacy is being infringed upon by XXXX  XXXX XXXX. This Company is disclosing my nonpublic personal information to non-affiliated third party companies such as XXXX, XXXX, XXXX, XXXX, XXXX  and XXXX XXXX XXXX after I have instructed them to cease in doing so via an opt-out notice.
Consumer complaint received 2024-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

This is my second complaint and bull city response was to get a fraud packet send to them. The information requested was not received at my address and if you send it from XXXX  but was nit received. However, you didn't specify what address it was sent to. 
Secondly, according to The statute of limitations on debt in North Carolina is XXXX years, according to N.C.G.S. 1-52 ( 1 ).
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (OH)

My student loan was in forbearance until this past XXXX. My loan was transferred from Great Lakes to Nelnet, which is where it is currently. Nelnet starting accruing interest even though my SAVE repayment application had not been processed completely. 

I started accruing interest in XXXX XXXX and was approved for SAVE in XXXX XXXX. 

I reached out to inquire about why interest was being charged and I just received a blanket statement email that didn't explain anything.

From the Nelnet site, it states that if you are approved for SAVE and you make your required monthly payment, any interest exceeding that monthly payment is waived.

My monthly payment is {$0.00} and I have accrued over {$1000.00} in interest since XX/XX/XXXX. 

I need some answers and this corrected but they just keep responding with a scripted email that is not helping.
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Albert Corporation (GA)

I signed up to receive a service from the Albert Money App soon realized it was all a scam, but there was no way to cancel service through the app. I messaged to have the service stopped. I was assured that service service would end, but after checking my account they continue to make withdrawals every month. I tried to call back they stopped making withdrawals for the month of XX/XX/2024, but started back on XX/XX/2024. This is apparently an ongoing issue with tons of people that use the service, but they make it very hard to stop service and to get your money back
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It should be known that at present time both TransUnion and XXXX are reporting or showing hard inquiries on both of my credit reports that I have no knowledge of, involvement in, or have any complicity in. Nor have I authorized any of the companies to pull my reports which has resulted in hard inquiries to be placed on my reports. My vehicle was broke into and my wallet and phone were stolen awhile back and evidently some one of unknown identity tried to apply for credit in my name and all requests were denied. I never applied for any credit, never verbally agreed to have my credit pulled, and have never signed any agreements or authorizations for any company to pull my credit reports. No contracts, authorizations, or agreements exist on file with my signature with TransUnion and XXXX or any company that pulled my credit reports. I have disputed the inquiries with both Credit reporting agencies and was denied. I have contacted the companies and to date and time, no assistance has been given. Also, all attempts made to obtain credit in my name was done all on line with out any signed consent from or by me. A claim was filed with the federal trade Commission and now this complaint with the consumer financial protection bureau for assistance and relief. No hard inquiries are showing with XXXX at present time and date. A copy of the identity theft form is herein incorporated in this complaint for review also.
Consumer complaint received 2023-07-04
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. (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.

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 2024-10-25
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: EQUIFAX, INC. (MD)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-30
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX XXXX XXXX data breach.
Consumer complaint received 2024-02-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC (PA)

I closed mXXXX XXXX  account approximately XXXX of XXXX. I had a personal XXXX from XXXX sent to me in XXXX. I had to return the XXXX  in order to no be charged for it. I did return the XXXX and I have pictures of the device, the label sent to me from XXXX and proof of delivery showing XXXX XXXX address. To mobile has never acknowledged the return of this item and continued to bill me for it with interest. 

corresponded with XXXX  over this issue over a half dozen times since XX/XX/XXXX. Promises were made to call me back and to provide to me documents such as my bills from XXXX. Since I am no longer a customer of theirs I am not able to sign into my XXXX account to retrieve my past bills on my own. 

Despite the promises that the issue will be resolved by numerous XXXX customer service reps it continues to be an ongoing issue. They even promised to not send it to collections and stated that they don't do that. Indeed, they did send it to collections and it is effecting my credit score currently. 

I have never experienced such poor follow-through and conduct from any telecommunications company like I have with XXXX. I am very disappointed in their behavior after many years of utilizing their services. XXXX has cost me much time and aggravation that I will never get back or be compensated for. I am grateful that CFPB exists to address these unfair and uncalled for situations. 

The collection company the XXXX reported this information to is FRONTLINE ASSET STRATEGIES ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. FRONTLINE ASSET STRATEGIES has never called me regarding the debt nor sent any mail correspondence. I only discovered that XXXX reported my to them because I check my credit report. Also a very disappointing way to conduct business.
Consumer complaint received 2023-07-04
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: LEXISNEXIS (FL)

I would to OPT OUT of the following agencies : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Lexis Nexis XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: King of Credit Financial, Inc (ND)

on XXXX i went on dollar car rental and reserved a car rental and paid XXXX dollars down with XXXX remaining when i arrive at the rental office on XXXX when i arrived at XXXX XXXX XXXX XXXX car rental didn't accept my credit card XXXX i called the customer service number on the pamphletthe dollar rep had givining me directions to do so were i could get my refund customer service to me XXXX business days for the refund to be given back on my credit card i have called XXXX times now and they keep saying XXXX business days that hasn't came for a total of XXXX business days and counting plz help!!! this is national known company be held responsible and give me my money back thank you for your time have a blessed day