davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-12
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: LEXISNEXIS (GA)

To whom it may consern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NJ)

I opened this card with a {$2000.00} credit limit in XX/XX/XXXX I have never paid this card late I have always paid way above the minimum payment due I just received a credit limit increase in XX/XX/XXXX bringing my credit limit up to {$5000.00} my balance on the card has never gone over XXXX % and then in XX/XX/XXXX my credit limit was dropped to {$600.00} while my bill was {$580.00} bringing my card to 90 % percent usage and dropping my credit score when I asked XXXX 's XXXX XXXX for a reason they would give me and increase and then a massive decrease in 30 day timespan I was told due to them checking my XXXX  score and it was a XXXX that is completely false I pay for my credit score from all 3 major credit bureaus directly and my credit score has not been in the XXXX 's at all and there was no ding to my credit from XXXX to XXXX to prompt any issue and in fact XXXX 's affected my credit by putting me so close to the limit and increasing my debt ratio I want my credit limit increase or this card closed I have attached my credit report from XXXX to XXXX
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/year> I deposited a settlement check that was signed over to me from my brother. First there was a 7 day hold on the check, which was fine but then chase ended up putting a freeze on my account so therefore I couldnt access my other funds! This should be illegal!! I understand they need to verify this check but that shouldnt stop me from being able to get my other money that was already in my account!! They was able to verify my brother and see that he really gave me the check to deposit but for whatever reason they cant verify the company that the check came from. I guess the number isnt correct in the system! That is ridiculous! There has to be another way! I want my money now!! If they cant verify from the company then I guess they are going to close out the account. I even told them I could give a direct number to the company who wrote the check. The check is valid!
Consumer complaint received 2023-07-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-02-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association (TX)

On XX/XX/2023, the rental company sent a final disposition more than 30 days after we vacated the property. The amount was disputed with the original Creditor and then turn over to a collection agency. On XX/XX/2023, a phone call was placed to the debit collector who advised me to send an email regarding the issue. An email was sent on XX/XX/2023 disputing the account. The collection remained on my account. I reached out to the agency again and was told they sent a debt validation letter to an addressed that we hadn't lived at in almost 8 years. They also had the correct mailing address as it was in the signature line of the emails sent. The collection agency was also forwarded emails of the dispute with the original Creditor and was aware that according to Texas State Law all dispositions and claims of money owed my be provided within 30 days of move out. The original Creditor did not provide final disposition until XX/XX/2023 and we moved out XX/XX/2023 therefore the debit is not valid. All emails were forwarded over to the collection agency as XXXX XXXX operates like an XXXX  or hotel with specific check in and check out times. There was a clear dispute related to the rental agreement as well with the land lord which stated month to month. Therefore the debit is invalid due to Texas State Law and the collection agency deliberately sent a validation of debit to an incorrect address when a correct address was provided to them in emails.
Consumer complaint received 2023-07-03
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. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not permit information 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 any other adverse items 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 so has reasonable cause to believe the information is inaccurate. I requested the original agreement with date f debt assignment from original company, I have not received, the account is stating it was opened in XXXX on my credit report which is completely false. I asked Transunion to validate information listed on my report and that has not be done XXXX Balance {$560.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX hence this account is past 7 years period. 
Opened XXXX Reported Unknown Condition XXXX XXXX XXXX Balance {$150.00} Original Creditor : Not Available/ COLLECTIONS XXXX Act. # XXXX Opened - false information/ I have not opened accounts within the last 8 years. 
XXXX Reported Unknown Condition/ this is the information listed on my credit report which is absolutely wrong
Consumer complaint received 2024-02-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX provided a copy of my credit report to multiple companies without my authorization : XXXX XXXX on XX/XX/XXXX -Ally Financial on XX/XX/XXXX -Bank of America on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (MD)

At convenient times for reporting my credit score is lowered due to the negative reporting of NewRez. Most often XXXX to XXXX point decrease. 

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section two, it also states that consumer reporting agency can not furnish and I can account without my written instructions under 15 USC is 1666 be a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Can you help with the credit let me know if you have late payments?
Consumer complaint received 2024-01-31
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. (FL)

Upon reviewing my credit report, I notice that Nelnet is sharing my student records to third parties such as credit reporting agencies XXXX, XXXX, XXXX and XXXX, without my consent. This constitutes a direct VIOLATION of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974. 
( 20 USC 1232g and 34 CFR 99 ) The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records.

34 CFR 99.30 states that : ( a ) The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31.Per the FCRA, and FERPA as a federally protected consumer, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION, I THE CONSUMER, MAY HAVE GIVEN NELNET -WHETHER WRITTEN, UNWRITTEN, VERBAL, OR NONVERBAL TO REPORT MY PRIVATE STUDENT RECORDS TO THIRD PARTIES.
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (TX)

On XX/XX/XXXXXXXX XXXX I was notified by Carter-Young Inc. ( company representative XXXX XXXX ) that I have a debt collection from XXXX Before that, I received only one call on XX/XX/XXXX, but I could not respond due to travel. I have NOT received any communication from the debt collection agency or the original creditor about the supposed debt since the first delinquency date of XX/XX/XXXX ( this is what is stated on my credit report as of now ). 
On XX/XX/XXXXXXXX XXXX  I sent a written request to the debt collection agency asking to verify the debt ( please, see the attachment with proof of mailing ). I asked to show the original contract and explain what caused my obligation to pay the debt. Moreover, the company representative, XXXX XXXX, on XX/XX/XXXX phone call mentioned that the company used my SSN to verify the debt. I asked to explain how they could do that if I only arrived in the United States on XX/XX/XXXX for the first time and was issued SSN later. This is four months after my credit reports claimed delinquency date ( XX/XX/XXXX XXXX  ). It has been one month, and I have NOT received any response from them. 
I believe my consumer rights were violated in several ways : - The debt collection was reported to the major credit bureaus without informing and verifying the debt with me first. I have NOT received any communication/calls from the debt collection agency or original creditor before XX/XX/XXXX. The collection was reported to credit bureaus on XX/XX/XXXXXXXX 
- The collection agency has failed to prove the debt within a reasonable time frame ( 1 month ). My request for verifying documentation was not addressed.
Consumer complaint received 2023-07-03
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. (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. 

Account name : XXXX  Account number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX  XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  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 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

on XX/XX/2023 I made a payment to Carrington mortgage for {$2800.00} thru my XXXX XXXX account which had a balance of {$7700.00}, I was later told by Carrington that my payment was returned, than I made a replacement payment but by that time the account. 
had gone over 30 days, I contacted XXXX XXXX to find out why the payment was returned and they stated that they stared a fraud review and froze all out going payments from my account I than sent Carrington the latter from XXXX XXXX stating such and ask them to update my account to reflect that I made my payment on time but because of a technical issue at XXXX XXXX they returned the payment, but for the last three mouths they have been giving me the run around and have not corrected this issue which has ruined my credit and reduce my score by XXXX points.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

On XX/XX/23 at XXXX I received an email that a Citizens Access, Checking account was opened in my name at the Citizens Bank XXXX This account was opened without my knowledge and consent. An initial deposit of {$1.00} was made from account ending XXXX. After calling Citizens Bank, I was told that the account address is in Florida. I do not live in Florida. Citizens Bank has agreed to immediately close the account and report to the credit bureau.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2023 I hired XXXXXXXX XXXX XXXX XXXX to assist in my move. I was quoted $ XXXX prior to my move. Being that this was my first time hiring movers I was unaware that they were supposed to be doing all of the work. When they arrived to the apartment I was moving out of, I immediately started helping them load their truck with my boxes because they showed up 4 hours late. I have bruises on the palms of my hands from the heavy lifting I was doing. When we arrived to my new apartment ( XXXX ) and it was time to unload the truck I was asked to pay {$1700.00} or I was not getting my belongings from them. I asked them to clarify the charges and to explain to me why I was being charged almost quadruple the price I was quoted and they proceeded to tell me this happens all the time. The lady who gives quotes misquotes often. I tried calling and texting her and their general manager and I got no response! 
So after paying them ( they only accepted XXXX ) They left and they did not complete their job. I was told that furniture assembling and dissembling was included. But before they brought everything into my apartment they pulled a fast one, and left!!!!. They left my personal belongings outside damaged including my mattress and bed that I was supposed to sleep in that night. They left without a word and my number was blocked! 
Ive tried calling everyone number linked to their company and Im not getting a response.
Consumer complaint received 2023-07-03
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. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-07-05
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: Torriere Holdings INC (CA)

On XX/XX/3023, I discovered an inquiry on my XXXX consumer file from SPIRE RECOVERY SOLUTIONS. I have no account with them so this is an unauthorized inquiry on my consumer report. They have no permissible purpose to access my consumer file under the Fair Credit Reporting Act and the California Consumer Privacy Act. I have attached the inquiry section of my XXXX Credit report dated XX/XX/2023.
Consumer complaint received 2023-06-29
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. (IL)

A company has failed to update the current status of report I notified all three Credit Bureau of the situation and all have failed to properly investigate the issue. I reported a Company named XXXX XXXX to all three Bureaus about inaccurate information and no steps have been taken to remove the inaccurate information from my account.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc. (GA)

On XX/XX/2024 I transferred {$2500.00} from costumers bank into a new business account I created with Mercury Banking. On XXXX, XX/XX/2024 Mercury notified me that my account had been locked as they needed confirmation via an invoice that I transferred the funds to the receiving business account. I did not understand what what they meant initially by invoice and attempted to show they that I did in fact make that money. After realizing they meant clarification on the bank that sent the funds, I replied with a Screenshot of the send receipt my bank emailed to me which was from XXXX XXXX XXXX Bank which are shown in the screen shot. Mercury Banking replied with an email that said they could no longer offer me services and that they would be closing and keeping my funds and that they might CHOOSE to refund them at a later date. That is extremely bad costumer service and business. As a new business owner and patron of the service having my money taken less than a week after opening the account is ridiculous. I am a low income minority attempting to create a business and create a better life for my family and the stress that is accompanying this issue is palpable. I hope this resolved this matter as fast as they decided to seize my money.
Consumer complaint received 2024-02-02
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

From the proof that was sent back it was false, also states a {$3300.00} termination fee. On that same paper it states that notice was given XX/XX/year>. {$1500.00} is being charged for XX/XX/year>. But lease was over and tenant was moved out. 

This is false documents In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions|
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

I've already submitted a complaint with you ( case XXXX ). MOHELA has not take any action and I'm still waiting on the refund of my over {$15000.00} they erroneously sent to my ex-husband. Kindly review the prior case and open up this new complaint to reach out to MOHELA and get my money back. They are non-responsive and have done nothing in over a XXXX. I've provided them proof of payment by sending them copies of my bank statements showing the money that was paid to them came from my personal bank account and they still haven't responded. These stalling tactics are unfair to me. I have reached out and filed complaints with both the Department of Education and the Federal Student Aid Ombudsman and nothing has happened in over a XXXX. They keep referring me back to MOHELA, who in turn is non-responsive.
Consumer complaint received 2023-01-30
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. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.