davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingUSA (FL)

On XX/XX/XXXX I called Lending USA my personal loan and spoke with a guy who was extremely rude and was having a hard time processing my payment correctly so I asked for a supervisor who I forgot his name to help me to make my monthly payment of {$110.00} like I always do without such a hard time as this day he was able to process the payment. 

On XX/XX/XXXX I check my bank and I see that they refunded the {$110.00} back to my account on XX/XX/XXXX so I called Lending USA to make yet another payment and spoke with a lady who was laughing about the money being refunded back into my account and the payment of {$110.00} was charged again. I unfourtunately do not remember names until the end where Ive been getting super frustrated about something that is not my fault because they are doing something incorrectly on their end. 

Four days ago I believe I received a call from Lending USA his name was XXXX telling me I was late on payment I advised him this is incorrect my payment was processed again on XX/XX/XXXX and I didnt get a refund back like before he tells me I have to email my bank statement as proof so I do and he said it will take two days to process. Everyday I keep calling for an update I have even spoke to supervisor XXXX and on XXXX XXXX tells me that yes the payment is there on the statement but that it pretty much got lost in their system to call XXXX and dispute the charge and then give a call back to process yet another {$110.00} payment as I did on XX/XX/XXXX. I call XXXX spoke with the claims supervisor they tell me theres nothing they can do that the charge cant be disputed because Lending USA already took the payment so while I have XXXX on the phone I call Lending USA which I spoke with a girl because XXXX wasnt available and XXXX tells them they cant dispute the charge since they took the payment and the girl just tells me they have to escalate this yet again she said it will take a couple of days when its been almost a week and they cant find my payment anywhere in their system and its clearly in my bank statement and cant be disputed. Im afraid I will lose this money and have to pay them twice the amount that I usually pay for a month for this loan it would be like theyre stealing {$110.00} from me just because they lost it somewhere in their system.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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: Conn's, Inc. (LA)

I called the number thats been reported on my credit report for conns and no longer have the account I was told they sent me to a automated collection company I told them before anything send me debt verification letter what I got wasnt a debt verification letter it actually have the XXXX balance and told conns it was a XXXX balance I have reported this to the XXXX  and done a FTC report the law states if you request debt verification and dont get it in timely manner that states require you have to delete
Consumer complaint received 2023-04-26
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (NV)

Im a navy federal member My accounts were closed out due to the pandemic, which I previously mentioned to a employee at the bank. My account were closed out and a payment buyout was arranged. ( XXXX ) I called to close out the saving account to this checking account because it showed no activity for 2 years ( XX/XX/XXXX ), I called navy federal to see can I close my account they said yes. So we went through the process of closing it out but the call dropped, the very next 2 hours I had {$4000.00} worth of charges on my account after I had just talked to a reps who repeatedly said Im okay because it shows nothing in the account. 2 days after that ( XX/XX/XXXX ) my account was charged {$3700.00} from a old income tax refund that came. I had no idea about it and the reps didnt say the deposit was going in. I believe the bank and their employees conspired to take my money with me knowing because they didnt give me a notice plus they still wanted to close my account so if I didnt catch onto it. I either should be able to keep my account or get my money back
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-11
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. (MD)

Recently i did an investigation on my credit report and i found several items to be inaccurate. 
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 : 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. This account violates 15 USC 1692 ; 15 USC 1681 ( a ) ( b ) ( e ) subsections. I request all accounts to be removed within 30 days of this notice in lieu of statutory damages litigation. The contract on all closed accounts has been cancelled.
Consumer complaint received 2018-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

This is in reference to my previous complaint # XXXX, which was closed without my saying it was resolved. My student loan servicer claims to have reallocated my payment as described in my complaint, but they have not. Only {$22.00} have been applied to loan E, when I requested that the remainder of my payment after paying off loan A, which comes out to {$530.00}, be applied to loan E. {$510.00} was applied to loan F which I never asked for. This situation is still unresolved and Nelnet is still not listening to instructions for allocations when I submit my payment. They are at this point purposefully obfuscating the problem, even though I specifically allocated funds to loans A and E when I submitted the payment. My special standing instructions are for my auto debit, and this is a separate payment that I made on XXXX2018. I have attached a screenshot of this in my payment history.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2018 went onto Kohls online site to order an e gift card for my son who just moved out of state. Site said maximum amount was {$250.00} which I purchased and paid for. Received a confirmation email that purchase was received and would be delivered shortly. After 10 hours of not having it delivered to my sons email I sent a follow up email asking why this order was not completed. Received a response there was a problem and to call kohls. Once I called I found out they can not do an e card for more than {$100.00} so they cancelled order and I have to place 3 separate order. I asked why the online site has this option for more than {$100.00} if they can not deliver and was told this is a mistake.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-04
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. (FL)

I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXX XXXX  Account Number : XXXX Balance : {$6600.00} Date Opened : XX/XX/year> Since the original update Charge off it has been repeatedly updated as charged off every month or recent months. This continuous updating constitutes an inaccurate payment history for a charged-off account. Such misinformation falsely manipulates the statute of limitations. Your failure to properly investigate this account has infringed upon my rights. I demand the deletion of the account immediately. 
The inaccuracies are significantly damaging my credit score In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual you verified with above so that I may follow up. Additionally, I request an updated copy of my credit report following your reinvestigation Despite several attempts to have you correct the errors on my report, this issue remains unresolved. Consequently, I have escalated this to a factual report FOR THE XXXX time based on my own investigation. All my reports have been duly documented and saved, along with your failure to correct and/or delete the inaccurate accounts. Given these inaccuracies and your continued failure to rectify them, I demand the immediate deletion of this account from my credit report. If these accounts are not deleted after this factual report I will have to seek the help of the CFPB or Legal Action on the next steps to protect my rights and reestablish my ability to obtain credit. These inaccuracies are preventing me from obtaining the credit and lending rights I require and those requests to my personal and business lending facilities have been duly noted over the past 6 months.
Consumer complaint received 2018-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

After my apartments property manager misplaced my rent check, I called Chase Bank to place a stop payment on the check ( call occurred on XX/XX/2018 ). Apparently, the bank representative who was supposed to place the stop payment was insufficiently trained and did not do it properly. My check was later fraudulently cashed. Since then, despite a multitude of phone calls and in person visits to a bank branch, the bank has not resolved the problem. In fact, at every step along the way, at every point where new paperwork or a new motion must be filed, the bank asks me to wait a week then notifies me that an error has been made and their employee failed to correctly file the motion. 

It is now XX/XX/2018 and I have not been reimbursed for a check that was fraudulently cashed despite my having issued a stop payment. At every step along the way, Chase Bank has demonstrated lack of transparency, bureaucratic meandering, and incompetence.
Consumer complaint received 2024-10-11
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: EQUIFAX, INC. (CA)

To Whom It May Concern, I am writing to formally demand the immediate removal of several hard inquiries listed on my credit report. These inquiries are inaccurate and were not authorized by me, and they are negatively impacting my credit score : Inquiry from XXXX XXXX on XX/XX/scrub>XXXX I never authorized this lender to make a hard inquiry on my credit report. 

XXXX from XXXX XXXX on XX/XX/year>. There are multiple inquiries within one day of each other on my credit report, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX oXXXX XXXX There are multiple inquiries within one day of each other on my credit report, but I only authorized one of them. Please remove all these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/scrub>XXXX 
My credit report shows multiple inquiries all within one day of each other, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/scrub>XXXX 
My credit report shows multiple inquiries all within one day of each other, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year>. 
My credit report shows multiple inquiries all within one day of each other, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/scrub>XXXX 
I am a victim of identity theft, and I never authorized this inquiry. 


Under the Fair Credit Reporting Act, I have the right to dispute any incorrect or unverifiable information. I have already initiated this process through your online portal, but the lack of timely action is unacceptable. I expect you to act promptly.
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Client Services, Inc. (AK)

Client Services failed to validate and prove that they indeed is the client who is legally allowed to collect on this debt. I have been in contact with the origional creditor and is currently working with them. Client Services only sent a computer generated letter which is NOT validation ... If my offer is refused, until you can properly validate this account, you are ordered to cease and desist all collection activity.