davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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. (PA)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to

assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. I never sat across a table fr
om any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so thats violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights wontbe violated again due to my lack of consent.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2023-03-29
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)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (IN)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

Violations by Midland Credit Management : ** Midland Credit Management has also mishandled an account on my consumer report. They have failed to provide validation information for the collection account as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite multiple requests for validation, they have not provided any documentation regarding the validity of this debt. Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account directly contradicts federal regulations and my consumer rights. Additionally, Midland Credit Management has engaged in deceptive practices by furnishing this account to consumer reporting agencies without providing the necessary disclosures required by law, in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).
Consumer complaint received 2024-07-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (GA)

RE : APPLICATION NUMBER XXXX on XX/XX/XXXX I was denied credit by One Main Bank. I provided them security, 4 months of bank statements, social security card, drivers license, and XXXX pay stubs. My income was confirmed and I was conditionally approved. The closing was supposed to be on conducted XX/XX/XXXX. I arrived to the branch location in XXXX GA, the manager then stated she needed an extra hour. I called back and then the manager stated an adverse decision was made on my estate, they were unable to verify me. I provided extra information that was even required. Regardless of the reason, I have the right to credit. With holding my access to securities is securities fraud and One Main is violating Equal Credit Opportunity Act, and Consumer Credit Protection Act. Since you are denying me my credit please retract ALL my information from your data base. 15 US 1692 Scope Of Prohibition states in conjunction with 12 CFR 1002 states " It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. 73rd Congress volume 77 part1 states that notes, drafts, bill of exchanges are the new legal tender in the United States. Federal Reserve Act 16 pt. 2 & 4 describes how the banks use the application as the collateral security to fund the loan.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NM)

On XX/XX/year>, I opened a Premier Checking account under the following terms : To receive the {$2500.00} bonus, you must : Upgrade to a Premier Checking account or open a new Premier Checking account by XX/XX/year> AND Bring {$250000.00} or more in new deposits to qualifying linked accounts by Day XXXX and maintain at least a {$250000.00} balance through Day XXXX after account upgrade or opening. 
Qualifying linked accounts include ( a ) consumer bank deposit account balances ( checking, savings, time accounts ( CDs ), XXXX IRAs ) and ( b ) investment account balances ( investments available through our affiliate Wells Fargo XXXX XXXX XXXX Excludes applicable bank fiduciary and custody accounts. 
New deposits received into qualifying linked accounts up to XXXX calendar days before the bonus offer code is applied to the Premier Checking account will count towards the offer qualification requirements. Please see a banker for details. 

I have fulfilled all of these terms and day XXXX was XX/XX/year>. Yet, I still haven't received the bonus which was promised 30 days after day XXXX. This period ended on XX/XX/year>.
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

The account was opened for {$3000.00} in XX/XX/XXXX. All payments have been made on time and for double the minimum amount due. The account was closed without notification on XX/XX/XXXX. When asked they stated that they monitored my credit with other creditors and decided they should close my account.
Consumer complaint received 2024-07-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Received a credit monitoring alert from XXXX on XX/XX/year> that there was a hard inquiry on my credit report from Bank of America. I placed a freeze on my credit report and notified XXXX of this fraud.
Consumer complaint received 2024-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lockhart, Morris & Montgomery Inc. (MI)

Lockhart is trying to get XXXX bucks but I have medical insurance I was in a car wreck so they were supposed to pay for my debt didn't know it was gon na be on my credit
Consumer complaint received 2024-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

I requested the original copy of the agreement i signed or proof that i actually owe this debt. 30 days elapsed, they updated case as " verified ''. I had gotten no emails and no proof as requested. 

They did not send me anything. A cease and desist letter will be sent to the address listed on the bill. 

But I want the incorrect derogatory remark removed or i will file a small claims case against the company for the amount listed in the debt and any legal expenses incurred, and missing wages as well as damages done to my credit. 

I wanted a copy of the contract I signed. That 30 days is well past. I requested this information like XX/XX/XXXX of 2024 or something like that. And numerous times in the past. They need to stop being rude when i won't provide my ss # to verify ... ss # is not a form of identification according to the rule on the card.
Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Velocity Portfolio Group (IL)

I was informed via mail from a bankruptcy advertisement that a lawsuit was filed against me from CKS Prime Investments , LLC, in the amount of {$1700.00}. I have no legal contract with them for anything, in fact, I have NEVER even spoken to them. They are illegally holding me responsible for a debt I don't have with them. 

I sent a correspondence 30+ days ago, and have not received any response. Attached to this complaint is the letter that was sent to them.
Consumer complaint received 2024-03-14
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. (CO)

The report stated the info is correct according to XXXX. I am part of the XXXX XXXX XXXX class action lawsuit. There was a hard deadline of XX/XX/2024, for my loans to be discharged, refund sent, and credit scrubbed. Unfortunately, the missed the deadline and I still have not had my loans discharged, sent a refund or had my credit cleaned up. I have called both XXXX and XXXX and been given the run around. They both blame each other, and in the meantime I was denied a car loan due to this negative info on my credit report due to XXXX not being held accountable to the deadline.
Consumer complaint received 2024-07-13
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: PNC Bank N.A. (DC)

On the XXXX of XX/XX/year>, I had called the PNC customer service XXXX on the back of my debt card and asked why is my personal checking account overdrawn - {$120.00}. When I explained to the PNC Representative over the phone on XX/XX/year> I was told that my account was overdrawn because XXXX got their money XX/XX/year>. When I had noticed previously on XX/XX/year> that my account was basically at XXXX. The way the representative explained it was the fact that PNC sometimes have trouble with the merchant also known as XXXX and sometimes the merchant would not accept the funds and the funds go back into the customer 's bank account according representative at PNC over the phone told me on XX/XX/year>, and then the merchant might try to get more money out at another date. What I do not understand is this, how do PNC claim that I did not have the necessary amount of money in my account at which PNC but still got my order from XXXX. Then if I did not have the proper amount in my account then how did my XXXX order go thru when the bank card is debt and when its a debt card you can only use the funds that are available. 
I do not think its the customers fault when PNC should have known a ) my debt card is meant for the purchases I can make only using my debt card with amount of money in my account b ) again how do I overdraw over {$100.00} when prior I could not even overdraw XXXX or XXXX and the transactions would be declined. After speaking with the representative over the phone the representative states that it's on me to pay back the negative balance Again, if I did not have the money to order the XXXX why was my purchase not declined. Even the representative stated that even with the XXXX order that my account should have been two to three dollars left into my account so how is I am overdrawn with {$120.00} at PNC Bank?
Consumer complaint received 2019-05-05
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX-XXXX-XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : Credit Bureau Service {$2800.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : XXXX XXXX XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2019-05-05
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX DOB : XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : Credit Bureau Service {$2800.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports.

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney.

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (NC)

My account was hacked and setup for overdraft protection on my main account and 2 additional accounts that were not opened by mein XXXX of XXXX. I was made aware of this month 's after the fraud occurred as this is not my main account. I was set up with a new account and made aware of the fraud in XX/XX/XXXX. This new account went unused due to trust issues with the bank in XXXX I became aware of the same types of devices that were accessing it before and made the bank aware. There was a charge that I did not authorize that I also made them aware of. Then a check deposit was made via mobile banking I was told by a banking representative the code used to unlock the account could have been sent by email and then deleted. I created a whole new email to link my account to.No investigation was done the appeal was submitted and denied this morning XX/XX/XXXX. My account was closed because they failed to secure it. They sent secure ld documents to email even after requesting they not be sent.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX : XXXX XXXX XXXX Addres : XXXX XXXX XXXX zip cod XXXX DOB : XXXX XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Bureau name : XXXX XXXX  Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX Recently : I did investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681e ( b ) Accuracy of reports whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 ( 5 ) treatment of inaccurate or unreliable information ( A ) general it, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting Agency shall ( XXXX XXXX XXXX promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately ; Account XXXX XXXX XXXX account # XXXX this account is being reported inaccurately, please remove this from my report credit, immediately.
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

My student loans were put in an alignment forbearance after the COVID forbearance ended ( around XXXX ). I did not request this and MOHELA didn't tell me they were putting this on. I had already been approved for the SAVE program with a {$0.00} payment prior to all of this. I called MOHELA in XXXX asking them why there was a forbearance on my account and interest accumulating if I was approved for the SAVE program. I spoke to 2 different representatives that had no idea what I was talking about. Mind you I had to wait 2-3 hours before speaking to someone. I finally asked to speak with a supervisor who was able to submit a request for me to retroactively remove the alignment forbearance and remove any associated interest. I asked her how long would this take to process and she told me about a week. Fast forward to today nothing has been completed. I called them on XXXX XXXX XXXX XXXX XXXX. Each time I was given a different answer by reps and supervisors. When I called on XXXX  the rep XXXX told me my request was open and no one has even started working on it yet. I asked to speak with a supervisor and was told I couldn't speak to one even though I was able to in previous months. This is MOHELA avoiding me and my requests. I am also pursuing PSLF which is not being counted due to this alignment forbearance. This is ridiculous, I have spent almost 10 hours of my time between being on hold and speaking to reps all for this 1 issue. The interest today is at {$3000.00} and grows each day until this is fixed.