davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (NV)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00}, XXXX XXXX  XXXX* Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$3800.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$690.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$2100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$2300.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00}
Consumer complaint received 2023-05-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I noticed sevearl things on my credit report have been documented incorrectly by all the reporting agencies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear.
Consumer complaint received 2023-07-27
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (TX)

This company states i was late 30 on a car loan that has since been paid off. They reported first was late XX/XX/XXXX then came back after I did disputes with credit bureaus that it was XX/XX/XXXX. Which is still incorrect paid was made on XX/XX/XXXX. Car note is due 16th of every month. I sent a good Will letter when I thought I was in the wrong when I sent double payments explained a very sincere letter but after seeing my results back from credit bureaus they are still reporting wrong info this account was in good standing. For 72months with no late payment and soon as car gets paid off they want to report incorrect info this company is terrible not even trying to understand and never late. Usually a company does remove one late fee this company is not being fair and I have wrote several letters and same response and credit bureaus have tryed I feel this company is unfair to a great on time paying customer for 7 years! This company has no remorse and feelings and no compassion what so ever. Even during COVID they got there payments on time and also double amount. I have tryed to contact ceo of company no such luck. I thought this company was great threw the whole term of my loan never had any complaints until now after reading reviews on there company now I see why. I am exhausted and have exhausted all options but to make a complaint on this company. Thank you
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (GA)

CCS is reporting two debts in my name ; and on my credit report. One for The General Insurnace and the other for XXXX XXXX XXXX XXXX. Both of these are fraudulent. I did not sign up for these services. CCS, the XXXX and XXXX XXXX have all failed to provide documentation to verify this is my debt. I asked for a signed agreement, invoice, payment history, etc. I have not received any verification, other than CCS telling the Credit Bureau that they are " verified. '' Please have CCS remove this from my credit report as IT IS FRAUDULENT. My original dispute was filed on XX/XX/2023. I plan to file a lawsuit XX/XX/2023, if this is not corrected.
Consumer complaint received 2016-08-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

Sometime XX/XX/XXXX, my wife and I lost our backpack with both our wallets with State Driver Licenses while on a trip with a group of people when it was accidentally left somewhere during a walk, which was near XXXX XXXX CA. In XXXX of XXXX we learned for the first time of a fraudulent debt collection on our XXXX and XXXX credit reports from Fidelity Creditors on behalf of XXXX XXXX, which appears to be an apartment complex but we have no knowledge of this business or ever resided there. It appeared from the credit report that this collection was initiated sometime in XXXX but we were never aware of it until XXXX XXXX and never received any letters or calls from anyone about the fraudulent debt. Fidelity Creditors says they have a signed lease with copies of our IDs, which appears to have unmet terms by someone who fraudulently used our driver license identifications with XXXX XXXX and fraudulently signed a lease with them, which is not notarized and is not ours.
Consumer complaint received 2023-05-08
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)

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 there for exists. 
I Have Addressed This Situation Multiple Times Of Unverified Information On My Credit Reports Without My Written Consent Which Is Financially Hurting Me And Is A Defamation Of My Character. Under Law Fcra Section 623 Is Violation # 1And Us Court Of Appeals Ninth Circuit No.00-15946, Nelson Vs. Chase Manhattan Violation # 2 Also The Law Fcra Section 611 Part ( A ) ( 1 ) Violates The Consumer Protection From Not Being Able To Provide Verified Original Documents Of Such Negative Information On My Credit Report With The 30 Calendar Days.Also Violation # 3 In Result Of Defamation And Willful Injury To Ignore My Request Of Verified Documents Which Violates Law Fcra Section 623 Crushman, V. Transunion Corporation Us Court Of Appeals For The Third Circut Court Case 115 F .3D 220 On XX/XX/1997, Filed ( D.C. No 95-Cv-01743 ). So You Must Verify Or Delete These Accounts That Are Reporting Negative Information Listed Below WITHIN ALL 3 BEAURUS CREDIT BEAURUS ( UNDER CFPB )
Consumer complaint received 2023-05-07
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: Experian Information Solutions Inc. (VA)

CFPB had a breech as well as all these other reporting agencies which causes me great concern with my information not being accurate. The addresses and employment information is mine i have attached my id and they still continue violating me, the information below is not mine XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of XXXXXXXX XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
CREDIT REPORTING AGENCY NAMEhas in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my XXXX and I great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and social security number to validate my identity.
Consumer complaint received 2023-10-08
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. (TX)

XX/XX/, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 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 2023-04-29
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. (PA)

XXXX formerly XXXX XXXX {$0.00} Paid off Status reporting 30-59 days late This information is incorrect. Was never late on this loan. Is stating that I was late in XXXX but car was 85 % paid off by then and payment was never late Please correct
Consumer complaint received 2023-05-07
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: Experian Information Solutions Inc. (MS)

I recently file an complaint with the 3 credit credit Agencies along with XXXX in regards to my rights under the Fair Credit Act, and has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 1681 sec 602a States I have the rights to privacy. 15 U.S.C. 604a section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. I feel my rights have been violated and therefore would like this information to be removed from these agencies. In the information that I have attached below, it will show that I have went through the proper channels to prove that this is unfair and the information is proved to be unverified.
Consumer complaint received 2023-07-27
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-07
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: EQUIFAX, INC. (VA)

Dear Equifax, XXXX, XXXX I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect .You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period. I know that these inaccuracies should be automatically removed. I have listed the information about my Personal information that you incorrectly reported and should be deleted immediately. 

Please delete the follow inaccurate names : XXXX XXXX, XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX PERSONAL INFORMATION LETTER Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and social security number to validate my identity.
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (GA)

The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following items from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2023-05-07
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. (WA)

I am in the process of purchasing a home. I noticed that on my Equifax Credit report they show that I have an account that with XXXX XXXX XXXX company. I agree that I was 2 months late for a 60 day late payment however Equifax is showing 90 day 's late. I contacted XXXX and they agree that I only have one account. over the last 2 weeks my score on My account with XXXX is XXXX. This is the only account I have with this company. However they are reporting two on my account. I do not know what to do. I speak with Equifax and they tell me that they are initiating a dispute on my behalf but they do not contact XXXX. I contact XXXX XXXX and they inform me that they are reporting one account. One my other credit reports I have only one account. I have been hurt financially and emotionally by this. I am not longer able to get my VA loan approved. I am at the end of my lease for the current home I am in and will not have a place to live after the XXXX of this month. We did not resign the lease because we had met our eligible scores for a VA home loan. Now that Equifax and XXXX has failed to do their job I no longer qualify for VA loan approval. I've been contacting them for almost a month now about this. I NEED HELP PLEASE.
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

On XX/XX/XXXX, I've decided to make a one time payment of {$18000.00} to Nelnet to pay off my entire balance. I've received a confirmation via email that they've received the payment and will get posted in a couple of days. Days went by and still haven't been posted. And the amount that I paid have been taken out of my bank account. I decided to call Nelnet on 6-15 to ask why the payment haven't been posted yet I was told that they don't see the payment in their system and was asked if I got a confirmation email from them. I said yes and gave them the confirmation number that was given in the email. They looked it up and confirmed that they see the payment came through but still haven't posted it just yet. I was told to give them some time to work through it. Another month went by and the payment still haven't been posted and decided to give them a call again on XX/XX/XXXX. I was told the same, that they've received the payment and will get it posted before interest start to be apply to the balance. I waited again and interest have started to accrue and have called them again on XX/XX/XXXX to confirm with them if it will ever get applied or what's going on with the payment. I was told again that they're working through the issue and have received the payment and it will get posted and the interest that have accrue will be gone since the payment was made prior to XXXX. I again waited for it to be posted but it never did, so call again on XX/XX/XXXX to asked again about the issue. I was told that they received the payment and is working through all the request that have been sent through to them. They're working through it and the payment will be apply and I shouldn't have to make a payment once the payment restart on XXXX XXXX. I was told that if it doesn't get applied by then to call them again.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UMB FINANCIAL CORPORATION (CA)

The credit card company sent me a letter stating that the credit card they sent me had not been activated and to please so as I should have received it months prior. I had in fact not activated and did so after reading the letter. The card then only worked for a few days and then was declined. I contacted card services and they said my account had been cancelled and to destroy the card, they could not explain why it was cancelled. A few days later I received a letter stating that my account was cancelled because my credit score had dropped to XXXX. I checked and my credit score was as I expected in the XXXX and had not dropped. Im not sure where they got their information but I figured I would rather not do business with a company that couldnt get the facts straight anyway, so I just waited for a bill to pay off the closed account. When I finally got a bill I made attempts to pay online as I do with all of my accounts and their system would not allow me to create an account. I then tried calling in about it but their system would kick me out for not having an account number ( as my account was closed and I destroyed the card per their direction. So I was forced to send in a payment by mail. Apparently the payment was late and they charged a late fee which I disputed and was advised would be escalated and removed. Now I am being told it was not removed because the account was closed and I will be billed again because apparently they can continue to bill on the closed account but are unable to remove any charges as this is their policy. I was told that I will likely be charged again. So this so called policy is just their way of stealing from me. I paid the first {$25.00} fee that I was told would be removed and now I am told there will likely be another fee. I am requesting that the fee be reimbursed as promised and the next fee be waived as I have paid every XXXX spent on that card and their theft policy fees are not something that I should be responsible for as this was all due to their incompetence.