davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

On Monday, XX/XX/year>, we engaged with Fifth Third Bank to start the process to pay off and close our HELOC. 
We have paid them, we have asked for papers, we have visited the branch, we have called the main customer service, we have talked to several people, and they will not pay off and close the loan, releasing the lien. 
We don't understand why, and no one seems to be able to explain the reason. They won't help, they won't submit the payment ( even though it's in a checking account with them ), and they blame each other ( branch vs. corporate ) and us depending on what's going on. 
We need them to help as our family house was destroyed in the hurricane, and we are trying to also collect our insurance money. 
We need to close the HELOC to collect. Please help us deal with this fraudulent bank. 
We also had our mortgage at XXXX XXXX, and they did this all within 20 minutes. 
Do NOT do business with Fifth Third. They hold your loan and won't let you close it.
Consumer complaint received 2022-11-25
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: Nelnet, Inc. (GA)

XXXX XXXX XXXX XXXX Department Of Education/Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # : XXXX, Balance : {$4900.00} and XXXX, Balance : {$9400.00} ( Disputing All XXXX different Loans ) To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ I owe {$4900.00} and {$9400.00}, which appears on my XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding XXXX XXXX laws. Please note that I am requesting validation. ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX XXXX of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section XXXX ) Violation of the Fair Credit Reporting Act ( including but not limited to Section XXXX ) Please Note : This notice is an attempt to correct records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Last XXXX of XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have sent XXXX the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate public record in my report as soon as possible Bankruptcy XXXX XXXXdischarged US BKPT CT XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (TN)

I am in receipt of your letter claiming that I owe your company for a debt. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. 

I have to date, received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation as evidence of this alleged debt. As per the FDCPA, it is a violation for any debt collector to pursue collection activity on an account without notifying the debtor in writing within five days after any communication. Additionally, I am allowed 30 days to dispute the validity of the debt. If you are unable to provide me with proper proof, then you must stop attempting to collect this alleged debt. 

If you continue to claim I owe a debt that you can not confirm with proof, then you will be in direct violation of the FDCPA. Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act. 

Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is not a printout or bill from you but instead actual proof of the debt 's existence. Remember you never gave me a chance to dispute the debt before you put it on my credit report without my written consent according to Gramm-Leach-Bliley Act & FCRA Law & FDCPA Law.

Sincerely
Consumer complaint received 2022-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Hello, XXXX XXXX XXXX This is XXXX XXXX from XXXX XXXX CA. I have banked with chime for the past 4 years. In the 4 years I have never filed a dispute of any regards. In this instance I lost my card & was a victim of debit card fraud were someone fraudulently obtained my debit/credit card and withdrew over XXXX dollars of hard earned cash which in fact was my rent money. In the process of this transaction someone made two transactions at a shells gas station for XXXX which at XXXX in California you can use credit which would mean no pin is needed for this transaction to occur. In fact the merchant is typically trained to ID the customer which they werent. After a transaction at XXXX XXXX was attempted but unsuccessful. I was alerted for fraudulent activity on my account and an automated message was sent to confirm it was me it wasnt. In this same instance multiple cash advances to their cashapp under the name XXXX XXXX was made within a few minutes. While I was clocked in at work I sent them a copy of my time sheet as well. Ive contacted this company in a dispute in regards to get my money back in which it was given a credit but not in full. Now as of XX/XX/XXXX the credit has been reversed because, they said since the transaction happen in my own community and they enter the right zip code it had to be me. On XX/XX/XXXX I am sent an additional email email to resolve this issue by retrieving my {$950.00} & chime said this was my error and Im now in debt on my account Ive had for 4 years. Ive explained to chime that the number one reason I banked with them was due to the Zero liability policy they say the use where customers who are victims of fraud will not be held accountable but, this is a ploy to to entice and take advantage of customers and was not used in my case. Im really hoping the CFPB can help me with Chime banking company. 
My chime claim is is XXXX Account ending in XXXX
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had an overdraft protection feature on a checking account opened in XXXX of XXXX at XXXX XXXX XXXX. I was XXXX at the time. In XXXX of XXXX it was reported as late and due to me being young and not financially sound I did n't pay some overdraft fees that totaled XXXX dollars. Several years went by and as a worked toward my professional career I wanted to get my credit in order. So in XXXX of XXXX, I checked all my reports and saw this XXXX charge I knew nothing about not remembering what it was from. I paid it immediately. However, my XXXX and FICO report is showing that I failed to pay for years which equals 65 months of failure to pay status on my report. This is literally tanking my credit over 250 dollars. The worst part is that due to the timeline it would have been better for me to never pay it off and just let it fall off my report after the 7-year limit but I thought I should pay what I owe. I do n't think it is fair to have 65 failure to pay statuses on my report when the bank writes off as a paid profit loss and then I proceed to pay it when I learn how to manage credit as a young adult. I do n't think it 's fair for the life cycle of this account to restart since I choose to pay off what was owed instead of letting it fall off the report. It 's doing a ton of damage to my report over 250 dollars from a XXXX. And again I PAID IT BACK in full to the original creditor.
Consumer complaint received 2017-06-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (CO)

In XXXX 2016, Amex took out $ XXXX.+ unauthorized out of my account. I have been attempting to rectify this and obtain a refund since and have been unable to recover my funds. In this time, Amex has sent my account for collections and negatively affected my credit report.
Consumer complaint received 2024-09-20
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. (GA)

Dear Sir/Madam, URGENT REQUEST FOR REMOVAL OF INACCURATE EVICTION ATTEMPTS I am writing to urgently dispute and demand the removal of eviction attempts from XXXX XXXX and XXXXXXXX XXXX that are inaccurately reported on my credit file. I have never been evicted from any property, and these entries are entirely false. These erroneous eviction attempts are putting me at immediate risk of not being able to secure housing and are causing undue emotional distress. Landlords are reviewing this incorrect information and making decisions based on false records, severely hindering my ability to find a new home. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have only accurate and verifiable information on my credit report. Section 611 of the FCRA mandates that credit reporting agencies investigate disputed information and delete any unverifiable, inaccurate, or incomplete entries within 30 days. However, due to the urgency of my housing situation, I am demanding that you correct these false eviction attempts within 3 days. Additionally, under the Fair Housing Act ( 42 U.S.C. 3601 et seq. ), landlords and property managers may deny housing based on incorrect eviction information, which constitutes a barrier to fair housing access. This misinformation is subjecting me to housing discrimination, violating my rights under federal law. Moreover, I bring your attention to the penalties outlined under the Consumer Financial Protection Bureau ( CFPB ) regulations. Failure to promptly address inaccurate information can result in civil liability for willful noncompliance, as per 15 U.S.C. 1681n, and negligent noncompliance, under 15 U.S.C. 1681o. You are required by law to maintain accurate information, and continued reporting of these false eviction attempts is both a breach of your legal obligations and a serious detriment to my rights. Below are the specific details of the inaccuracies : Property 1 : XXXX XXXX Property 2 : XXXX XXXX  Dates of Alleged Eviction Attempts : [ Insert date or date range, if known ] I have attached documentation confirming that I have never been evicted. I request that these inaccurate eviction attempts be removed from my credit report within 3 days of receipt of this letter. Failure to do so may leave me with no option but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action under the FCRA. Upon completion of your investigation and removal of these erroneous entries, please send me a copy of my updated credit report showing these corrections. Thank you for your immediate attention to this critical matter. I expect your prompt response and resolution. Sincerely, XXXX XXXX
Consumer complaint received 2022-11-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-11-16
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. (TX)

I am submitting this CFPB complaint in hopes that the fraudulent accounts and information being reported on my Credit File be removed as soon as possible. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need the following items immediately removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$980.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1400.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. If you believe that the disputed items belong to me, please send me copies of proof of verification or ownership. In the absence of these documents, immediate removal of these fraud accounts will be immediately removed.
Consumer complaint received 2022-11-25
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: Experian Information Solutions Inc. (PA)

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

They do not have my permission to report on my consumer credit report. 
I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine letters have been sent certified mail and return receipts have been received by me. 

These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed 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
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (MS)

On or around XXXX currently I saw a lot of pre approvals on credit karma. Credit karma kept sending me pre approval for credit cards, personal loans and refinance for my card. I saw these pre approvals every time I logged in for months. I was told I was pre approved so I thought I was in the perfect place to apply. I got so many offers through credit karma that I started telling my friends and family about vacations and investments that we were going to use these pre approvals for so I finally applied and was denied and I had a ton of inquiries showing up on my report. It caused me so much trouble that I was XXXX XXXX for months. I was having terrible headaches and panic attacks. My reputation was severely damaged. I felt very deceived that I was marketed for months telling me I was pre approved. This was all a lie. Now every time I see preapprovals I immediately close my phone and shut my computer off. I have stopped checking my credit as frequently as I should because of the trouble with credit karma. I am requesting damages from this please
Consumer complaint received 2022-11-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (NJ)

My credit score has dropped over 200 points because my credit card utilization rate is 79 %. My I've serviced all of my debt without missing any payments and my score does not reflect this fact. I also have no derogatory marks. I can't refinance my credit card debt with a lower rate personal loan because of my current credit score.
Consumer complaint received 2022-11-24
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Capital Group, Inc. (TX)

I have submitted information to PARAMOUNT CAPITAL GROUP attempting to halt their illegal reporting to my credit report, and despite informing them of their infringement on my consumer rights and breaking federal law, they continue to report negatively to my credit report. They have provided no law stating they have the legal right to collect an alleged debt from me.
Consumer complaint received 2024-09-20
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. (ID)

I looked over my consumer report and I noticed accounts that shouldn't be reporting. I called the credit reporting agencies and let them know the accounts included in the documents attached are not to be visible. I have never given written consent to report at anytime.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (CA)

In Accordance with the Fair Credit Reporting Act XXXX this account below is violating my rights. 

Account # XXXX Account Name : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

per the state 's Code of Civil Procedure 337