davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Over the past fifteen months I have submitted certified letters disputing the account information reporting of my credit file regarding the credit Item : XXXX. XXXX XXXX XXXX XXXX # XXXX. All three CRA is reporting different information and all three CRA keep telling me that they verified the account information even thought all are reporting conflicting information. The accuracy and completeness is in violation of FCRA Laws : For example 1.Date open different on all CRA XXXX, XXXX XXXX XXXX. Date of last payment is different on al CRA XX/XX/XXXX, XX/XX/XXXX XXXX. Date of last late payment is different on all CRA XX/XX/XXXX, XX/XX/XXXX. 
Account balance is different on all CRA {$XXXX}, {$XXXX} {$XXXX} XXXX. Date account was closed is different on all CRA XXXX, XXXX, XXXX XXXX  # XXXX Experian report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX XXXX  # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX DATE Closed : XX/XX/XXXX XXXX  # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX date closed : XX/XX/XXXX All three CRA is reporting different information on the same account and I have be disputing for months and every month each one responded that they have verified the information. 

I have documented all disputes and responded for twelve months to use a exhibits to prove in my FCRA claim of the reporting violations and damages this inaccurate reporting have caused to my credit score.

The accuracy and completeness in credit reporting is the standard. I continuously on a monthly basis disputed this inaccuracies and the CRA willfully and negligently doubled down on telling me in writing that the have verified the account to be complete and accurate.
Consumer complaint received 2024-09-02
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: LEXISNEXIS (AL)

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 XXXX 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 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IN)

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the account showing on the credit file with LVNV Funding. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Consumer complaint received 2024-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

On XX/XX/XXXX at approximately XXXX I spoke to a Nelnet representative, XXXX . After verifying my identity with XXXX by providing my address and phone number, I requested the original instrument of indebtedness for my accounts. XXXX stated she had never heard of the document, but she would refer the matter to a higher up and would get back to me. After a few minutes of being on hold XXXX came back to the phone asking if I was referring to the Master Promissory Note ( MPN ). I responded with " yes '' and requested it to be sent to me via Email. Weeks, months and a year went by, I had received nothing from Nelnet. 

On XX/XX/XXXX, I sent a certified notice to Nelnet requesting the original letter of indebtedness again. On XX/XX/XXXX, I received an email from another Nelnet representative, XXXX XXXX stating they received my request and to please allow them 30 days from the date of receipt to send the requested document. I waited 30 more days and Nelnet failed to send the requested document. I then sent a demand to Nelnet on XX/XX/XXXX, requesting a trilateral contract regarding my account outlining the terms of our engagement moving forward. 
Nelnet failed to respond. 

On XX/XX/XXXX I sent a conditional acceptance letter to Nelnet stating if they provided the requested documents ( original instrument of indebtedness or a trilateral contract ) I would begin to make payments. It wasnt until XX/XX/XXXX I received a missed call and a voicemail from Nelnet representative XXXX to return their call. I returned XXXX phone call on XX/XX/XXXX. I spoke to another representative who stated Nelnet called me on XX/XX/XXXX to ask me what I was requesting. I stated I needed my original instrument of indebtedness ; the representative placed me on hold and the phone call ended abruptly. 

After waiting nearly, a year I received a copy of a Master Promissory note dating back to XXXX. The Nelnet representative who sent these documents to me XXXX XXXX stated they feel Nelnet has not violated my rights as a consumer, however Nelnet claims I owe over {$100000.00} in student loans but the Master Promissory Note attached to my account is only for the amount of {$1700.00} and {$1000.00}.
Consumer complaint received 2023-10-24
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. (CT)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : 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
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/year> my business account by the name of XXXX XXXX XXXX XXXX with chase bank. They informed me that they were closing my account and wanted to end my relationship with them. I asked why they replied they could not tell me. I run my business with this account and there is an amount of {$230000.00} in that account which I run my cars and pay employees. Chase bank told me that they would close the account and send me the funds within ten business days. It has been over a month I still have not received my money and now Chase told me they could not give me a turn around time. I have been with them over three years without issue. I have no court orders or any legal action against me. They are holding my money without any notice, the law should provide a reason why my money is being held. I just get the run around from operators telling me I just have to wait. Right now I am behind on all of my bills and have not paid two of my drivers for two weeks who are about to leave my business. I need help to just get funds that are mine. There needs to be some sort of transparency they have not even asked me questions about transactions but rather just closed my account and kept my money.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mid-Atlantic Finance Co., Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year>, I went to the Wells Fargo at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had {$490000.00} in cash. XXXX stacks of {$10000.00}. I went to deposit it. They did not handle it correctly according to their own standards. Instead of taking me to a backroom with at least XXXX bankers, they made me do the transaction at the window in the lobby with XXXX teller. She instructed me to give her the bags they were in. I gave her at first XXXX clear plastic bags, each containing XXXX stacks of {$10000.00}. She emptied the bags, cut the bands off the stacks put the cash through the counter and put new bands on the stacks. She handed me the empty plastic bags. I asked how much was there. She snapped back, " I have to count all of it to get the total! '' She hand gestured at me to give her the rest. I then gave her XXXX zippered bank bags each with XXXX stacks of {$10000.00} each. I then see her take a tray of stacks to the backroom. I could hear her behind the plexiglass saying to her collages, " we're keeping what was in the plastic bags ''. She remarked to me with a mean face, " you should of thought outside the box, there's a lot of storage facilities in this town ''. She comes out and gives me a deposit receipt for {$350000.00} posted at XXXX XXXX. I immediately complained to the branch XXXX. She told me she would start an investigation. I also called the corporate office as well. On XX/XX/XXXX, I get a letter stating that they found that the deposit was handled properly and that I should consider the claim closed. I met with the XXXX of the branch a few weeks later and the first statement she said was, " you have to get a subpoena to get the video. '' I told what happened to bankers at the XXXX XXXX XXXX Wells Fargo branch that I had been going to for years in XXXX. I get called from XXXX in the XXXX XXXX XXXX Wells Fargo and I told her what happened. She sends me an email a week later telling me that their decision remains the same. I have filed a complaint with the FBI but have not heard back from them. in total I believe {$140000.00} was stolen from me.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (TX)

I am writing to complain to EXETER FINANCE LLCXXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AL)

VALIDATION AND CEASE AND DESIST Collection agency name : LVNV FUNDING LLC Address : XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX Your NAME : XXXX XXXX Your XXXX XXXX XXXX XXXX XXXX, AL XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 
XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-11
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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (NC)

According to the fair credit reporting act FCRA XXXX XXXX XXXX and XXXX all unverified and inaccurate information most be promptly deleted please provide me all information that was used in this inaccuracy of charge off and closed accounts
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I paid my credit balance of XXXX which was the total amount due. 
That same day I noticed an auto payment for the same amount. I immediately called Cit Bank, and they told me on three occasions I would be getting a partial back or XXXX back. I have snice call back 3 times and have been told each time to give it another 3 days. 
Last time I waited 35 minutes to speak to a supervisor and finally hung up. Call back a fourth time and was told the same thing, that I need ed toa wait another 3 days due to federal regulations. I asked the supervisor to escalate, and he said the was nothing that could be done. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (NY)

On XX/XX/year>, I received an email that said my account was locked. I tried to log in to see what going on, but Credit Karma did not give me any reason. 
Days After, I called and emailed them many times, and they said they escalated my case. There was nothing they could do right now. I contacted them again, and they said I must wait for XXXX business days. 
Now, it has been 1 month. They locked my account for no reason and could not explain to me what happening. 
Today XX/XX/year>, I called them again. They said they would transfer all my money back to my linked bank account. But, they can not give me an exact timeframe.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gravamen Asset Management Group LLC (GA)

This company has added fraudulent information to my credit report that has had a major negative impact to my credit. Ive made several attempts to get proof to verify what this is supposedly for. Ive never received any type of contact notifying me of what this debt was supposedly for. 

Im demanding proof this debt is mine and an itemized listing of what this was supposedly for.

Legal action will be taken if this demand under the FRCA is not satisfied within thirty days. Additional certified demands will be sent to the attention of XXXX XXXX at XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AR)

JCPenney card holder for many years, inadvertently missed a payment or two over the past couple of years, but only by a day or two - I was travelling and not able to contact or be online. JCP/Synchrony charged {$41.00} late fee, more than the actual minimum payment due. Further, they increased the interest rate to an unconscionable amount. 

Yesterday ( monthly payment due date ) I called and asked for the late fee to be removed but was denied. The amount due was only the prior month 's late fee ( {$41.00} ). This morning I closed the account.