davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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. (FL)

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2024-08-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (OR)

NOT OUR DEBT XXXX ) Loan discharged in XXXX from XXXX XXXX SD, school no longer on record. 
XXXX ) No contact from school financial aid or communications from anywhere or anyone for 11 years after website said paid in full in XXXX. 
XXXX ) Nelnet acquired in XXXX, 11 years later and FRAUDULENTLY CHANGED THE DATA FILE saying it was transferred, not Paid in Full as it's shown for 11 years. 
XXXX ) How can a discharged loan in XXXX with paid in full on school website be transferred 11 years later to a collection company. 
XXXX ) Statute of limitations for Oregon is 6 years. 
XXXX ) Nelnet has not provided documents proving they can collect on this debt in Oregon, i.e. license to collect. 
XXXX ) Nelnet changed data fraudulently on the Great Lakes financial aid file from paid in full to transferred. 
XXXX ) Nelnet fraudulently changed data on credit report for XXXX XXXX school file reporting paid in full file to showing transferred in XXXX. 
XXXX ) XXXX XXXX school is no longer in information to contact. Nor have they responded separately from nelnet providing information verifying the debt was NOT DISCHARGED and why their school financial aid showed paid in full. 
XXXX ) Nelnet refuses to furnish original contract with information verifying this debt with a " wet signature '' of the contract proving I owe this debt. 
XXXX ) wrong name on file XXXX ) wrong address on file, Nelnet fraudulently updated mailing and email address from the CFPB prior complaints. 
XXXX ) NOT OUT DEBT, this was discharged in XXXX and plainly stated on the school financial aid portal website with no further communications until Nelnet fraudulently changed data in their favor in XXXX. 
XXXX ) Nelnet continues to harass stating we owe this debt without any verification of debt owed and reason the XXXX XXXX  school stated paid in full for 11 years with no further communications. They have not provided this information and continues to not provide. 
XXXX ) Nelnet refuses to provide information from XXXX XXXX  school proving this was NOT discharged and why no further contact for 11 years. 
XXXX ) Nelnet is trying to collect a debt that I do not owe, it was discharged and nelnet fraudulently changed financial records to show transferred. 
XXXX ) Nelnet fraudulently states that this loan was not discharged but deferred. They have refused or dismissed requests to provide verifiable letters from the school dated 11 years ago stating this. We still have received nothing from XXXX XXXX 
XXXX ) THIS IS NOT MY DEBT.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC (TX)

Loans and or charges against my information which are not mine. Also discovered the address they are using to take out loans/charges is not mine either. I have disputed with all XXXX creditors. I also have XXXX and XXXX XXXX ( disputed on these as well. ) XXXX XXXX, Balance of {$1200.00}. XXXX shows this was opened in XX/XX/XXXX. Not mine. I have disputed this numerous times. These account was opened under a false address that does not belong to me either. 

XXXXXXXX XXXX  XXXX, Opened balance of {$270.00}. XXXX XXXX shows this account was opened XXXX XXXX. This account is not mine. I have disputed this numerous times. This account was opened under a false address that does not belong to me either. 

I have disputed the address that these accounts are assigned to. Never lived at the address that these are associated with.
Consumer complaint received 2024-08-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AFNI INC. (IL)

To who this may concern I am writing to address the subject of the aforementioned account and transactions as you aware the vehicle in question was repossessed by XXXX XXXX XXXX in the state of Il on date and subsequently resold on date XX/XX/year>2023. It is Imperative to note that in accordance with the laws of the state of IL where car was repossessed, specifically ucc 810IL cs51 as well as state Risa and mvisa statuses a deficiency claim can not be valid unless all required notice were duly provided in a proper and timely manner. Additionally I strict adherence to the allowable redemption and cure time limits is required for such a claim to be legitimate. I hereby request that you provide me with copies of the legal notice pertaining to the repossession as well as evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. Failur to furnish the request proof within 14 days from the receipt of this notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reports will be regarded as violations of the fair debt collection practice act ( fdcpa ) and the fair credit reporting act. I also have no contract or legal documents with XXXX, XXXX
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Block, Inc. (GA)

On XX/XX/13, I submitted my {$750.00} FEMA check to be deposited into my cash app account. Its now Friday and the check is still pendingnot even accepted, pending an approval OR denial. I contacted Cash App via phone on Tuesday to inquire how much longer it would take and they said it takes 4 to 5 business days. Well, today was the fifth business day and still no funds. I just want to cancel or have them reject the check at this point so I can deposit it in person.
Consumer complaint received 2024-08-28
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Oasis Legal Finance Holding Company, LLC (FL)

I began calling around XXXX almost XXXX eastern time. I spoke with someone who was able to help me change the receiver name for my XXXX XXXX transfer. I was emailed a third party form and put my Fathers name XXXX XXXX at the receiver. I sent it back and called back immediately. I then was told to call back in 30 mins. Within 30 mins I called back and they said that they were waiting for XXXX XXXX to approve it. I asked the representative if they could called XXXX XXXX and she acted as if she was unaware of how the process was done. I end up calling XXXX XXXX myself and was told that all they needed from XXXX was the employee XXXX  number that would be approving this request. I then called back once more and requested this information and was hung up on. I called back and was hung up on again. I have been told that this request would go through today and now I just played phone tag with this company and XXXX XXXX for hours, just to see no results. After being told the request would be approved by today. It looks like to me that this company could care less about the XXXX XXXX I am going through. This company got paid for approving my advancement and now it looks like this company could care less on how or when I receive my funds. I will be telling everyone about this and posting this experience everyone on the internet. I will never request anything from this company again and best believe I will make sure no one I know will ever use this company for anything. Thank you for taking my money and showing me you dont value me as a client. Kindly issue my money so I can part ways and protect my peace. This company has cause me so much unnecessary stressed. Worst company ever!
Consumer complaint received 2024-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (OR)

In XX/XX/XXXX and again in XX/XX/XXXX, XXXX, my mortgage lender, failed to properly pay my homeowners insurance premium. Despite my mortgage being escrowed for insurance payments, XXXX either did not send the check to my insurance company or mailed it incorrectly, resulting in non-payment. This error has repeatedly placed my insurance coverage at risk. 

Both times, I was only informed of the non-payment by my insurance provider, who notified me that my policy would lapse in a few days. At no point did XXXX communicate any issues with the payment, leaving me unaware of the situation and scrambling to resolve it. 

When attempting to address this issue with XXXX, I found that they do not resolve these types of problems via email or chat, limiting communication to phone calls. However, their call center has unreasonably long wait timesoften exceeding an hourwhich has made it extremely difficult to address this time-sensitive matter. 

This negligence on the part of XXXX appears to be a deliberate attempt to either force me into purchasing insurance through them at a higher cost or to push me towards foreclosure due to lack of insurance coverage.
Consumer complaint received 2024-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (TX)

After my first complaint and the company 's response ( assuming they've fixed the issue ), I requested my report as per usual. I've sent them my proof of address and I still have not received a report. They said they can not authenticate me but, they have already sent me a report to my physical address. Please actually review the attached documents before replying including your report sent to my physical address. Ive filed taxes at this address nd have had jury summons etc...
Consumer complaint received 2024-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX wrongfully applied a debt to me as a result of identity theft, did nothing to correct or investigate their involvement nor the perpetrators involvement. XXXX sent this debt to collections and derogatory record was established on my credit report
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX, Account number XXXX, XXXX. {$180.00} XXXX XXXX, Account number XXXX, XXXX. {$0.00}
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XX/XX/XXXX my student loan accounts that had late payments were disputed and a response was given of updated. No changes were made or verified. I contacted XXXX who advised me they are not showing me as late and can not see before XX/XX/XXXX and that I needed to contact XXXX XXXX XXXX. I contacted XXXX with XXXX XXXX XXXX  on XX/XX/XXXX who advised XXXX should have the history of my loan and to give them a call back. I have spoken to XXXX from XXXX who advised she can not view this information and I would need to contact my previous loan company. This company was XXXX XXXX XXXX  who no longer services or can be contacted. I have never been late on any loan and they have always been in deferment. Please update or remove the accounts if unable to resolve the issue.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am currently reviewing my TransUnion Credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NY)

XX/XX/XXXX I received an Email in regard to a settlement for Wells Fargo Bank for opening and closing accounts without permission or authorization. The Bank admitted to doing wrong. 
It also goes on to say any claims submitted after the deadline XX/XX/XXXX will be treated as timely. 

I submitted 8 or 9 checking and savings account combined Open without permission or authority to do so. I have attached accounts numbers prior to today. 

Two Banks accounts in particular account 1. XXXX XXXX XXXX checking. 
2. XX/XX/XXXX account XXXX were used w o permission or authorization. 

I had a checking and saving account XXXX and XXXX which both were link to my pension fund I retired XXXX and I was finalized in XXXX monies were put into these accounts which were not approved by me. 

Wells Fargo Bank I feel is solely responsible because you provided a safe for my money to be mishandled. 

I trusted this bank and did not know I had to look over everything. I was distracted but that is no reason to take advantage of me
Consumer complaint received 2024-08-20
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

As of XXXX XXXX I was declined on XXXX seprate occassions for a credit card through Citibank. 
-My account was closed through XXXX XXXX on another occassion. 
XXXX closed my account without my knowledge, due to something other than having no late payments and recently a credit increase. couldn't contact anyone to find out why it was closed. At the time my XXXX XXXX was XXXX. 
XXXX received a letter explaining my decline from Citibank XXXX due to nothing about my XXXX XXXX or rating, from XXXX XXXX after applying for credit stating my that they did a background check and sounds like they were not satisfied with it. Why would they need to do a background check for credit, with a XXXX XXXX of XXXX also at that time. 
-I reqeusted information from Citibank XXXX ( XX/XX/year> ) about why they wouldn't give me the credit and they wouldn't tell me anything but wait for the letter to come in the mail. 

I believe that they are XXXX  against me due to my background.
Consumer complaint received 2024-08-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Applied Data Finance, LLC (MN)

I used the pre-approval code to apply for a {$4000.00} loan through Personify Financial. I got to the point of verifying my banking information. I entered my routing number and account number, and agreed to let their third party access my account. I got the notification from my bank that my account had been accessed by them for the income verification process. I then was notified that there was a new hard inquiry on my credit report. All acceptable as it is part of the loan process. I then was waiting on the website to take me to the next step of the loan process, but instead the website kicked me back to the very start of the application process. 

I spoke to XXXX different people, XXXX in a chat log, and XXXX over the phone. They have all told me I can not get access to any information for at least XXXX  days because of a technical problem with their website and that there is nothing they can do. So now they have access to both my bank information and my credit report, they have marked my credit report, but they are refusing to give me any information about the loan or any verification confirmation. They are saying they still have not verified my bank information, despite my bank telling me that the company has already accessed my bank account. 

They offered to cancel the loan application, but that would be irrelevant because they have already marked my credit report and accessed my banking information.