davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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)

I have tried to communicate with XXXX About them violationg my rights, They also Sold my information without my consent to XXXX XXXX XXXX and are actively reporting an open account on my credit report without providing me with validation, i am not requesting verification of my mailing adress or email address. 

They alsp did not provide me the disclosure forms at the begining of the credit process to opt out of credit reporting or opting in which is required by law and grounds for deletion and a mall claim they also have not provided me any documentation, a signed consumer contract with my wet signature on it stating i agree to them sharing my personal information or giving them authorization to Furnish anything on my credit report. 

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Trying to access TransUnion to unlock the freeze on my credit- worked fine a month or so ago, when I try to logon today, using different browsers etc - am being told my account is locked and that I need to try again later. 

This continues to error out - tried to reset my password - using my my SSN and still not able to get account unlocked or enabled long enough for me to submit a removal of the credit freeze, Am seeing online this is an ongoing issue and TRANSUNION are very slow or not bothered to address.
Consumer complaint received 2024-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (FL)

My loans were approved for waiver by the Borrowers Defense to Repayment program under the department of education, but the lender has not waived the loans because they are consolidated. 

This is a violation of a prior CFPB order and stipulation agreement of XXXX.
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AP)

On or around XXXX to XX/XX/XXXX, I closed my XXXX XXXX account, and the debt associated with this account became delinquent around that same time. However, Transworld Systems Inc. is inaccurately reporting an open date of XX/XX/XXXX, on my credit report. This incorrect date does not reflect the actual date of first delinquency, as required by the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( c ) ( XXXX U.S.C. XXXX ( c ) ). 

I have repeatedly requested verification of the correct date of delinquency and asked for this information to be updated accordingly. Despite my requests, Transworld Systems Inc. continues to report an incorrect date, which is reaging the debt and extending the reporting period. This practice is a direct violation of the FCRA, as it inaccurately portrays the status and age of the debt. 

The ongoing failure to correct this error is damaging my credit and is in violation of my consumer rights under federal law. I demand that this account be updated to reflect the correct date of delinquency or be removed entirely from my credit report. 

I request immediate action to rectify this issue and ensure that my credit report is accurate according to the FCRA. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-17
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. (DE)

I checked my credit report and its shwoing unauthorized inquiries on my consumer report. These unauthorized inquiries were from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries and they need to be removed immediately according to FCRA 18 USC 1028A.
Consumer complaint received 2024-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (LA)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. 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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These include inaccurate account listings, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.
Consumer complaint received 2024-08-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

I submitted my School Misconduct Application on XX/XX/year> - after working on it for several weeks. I attended XXXX XXXX XXXX XXXX XXXXXXXX from XXXX. I gather all the information I could find of the fraud/misconduct/and lawsuits the school had been through over the last two decades. I did not have a lot of personal emails to submit because that was not information I still had available after all these years. I explained my story and experience from attending the school and my application was denied without a sufficient explanation of why. I feel Navient should describe in full detail what my application was missing that caused it to be denied.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I'm attaching a letter that stats the problem. The lender reneged on their settlement they offered because they could loan because of the type of lender they were. But they offered to give the mechanic the title and XXXX dollars with our discussing with me. They for letting me have a settlement of {$950.00} and then they reneged thinking that my insurance was going to Total the vehicle I told him that that wasn't going to happen I wasn't going to allow that so they were making decisions and reneged on what they agreed to do with me and then I'm the one left holding the bag they were going to let the mechanic have it for {$4000.00} and then they were just going to cut the mechanic refuse to take their XXXX he wanted XXXX XXXX  and they were going to just let him have the title again without discussing anything with me and this is my credit and now they're showing it a charge off it looks like a repo and it's not they don't have the vehicle nobody will talk to me they hang up on me or they pass me about and leave me on hold for hours so now I need to get an attorney for this I already have an attorney with the mechanic and I have an attorney over the insurance company trying to total my vehicle when they didn't have any dog in the race so I want this off of my credit they had their chance I tried to pay my begged them and begged them and they refused after they're the ones they agreed to it the settlement so I think because I am good faith offer and tried to pay them what they wanted and because they got greedy I'm the one left on the bag it's not right it's not fair and for the credit bureaus to allow this I want every every piece of documentation and every voice conversation cuz they record I want every conversation and every written text email conversation and I want you the credit bureaus too also request that before you make a decision because if you don't see in my favor you didn't get all the information I don't want this on my credit I think what they've done is wrong so it needs to be totally removed
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZWICKER & ASSOCIATES (WI)

This formal complaint is submitted on behalf of the Principal, the legal entity associated with the account and obligor of the alleged obligation, in response to the unlawful and non-compliant debt collection practices engaged in by Zwicker & Associates, XXXX. XXXX has violated multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to its failure to furnish the required 30-day validation notice, failure to provide a subsequent five-day validation notice, and continuing collection activities without proper validation of the alleged obligation. These violations expose Zwicker & Associates to significant legal liability and, by extension, place XXXX XXXX in a compromised position as their principal. 

Upon initiating communication with the Principal, Zwicker failed to comply with 15 U.S.C. 1692g ( a ), which mandates that within five days of the initial communication, the debt collector must provide the obligor with a written notice containing the amount of the alleged debt, the creditors identity, and the obligors right to dispute the debt within 30 days. Zwickers failure to provide this validation notice is a clear violation of the FDCPA and demonstrates a disregard for their statutory obligations. 

Further, Zwicker & Associates did not comply with 15 U.S.C. 1692g ( b ), which explicitly requires debt XXXX to cease all collection activities until they validate the debt upon request. By continuing collection activities without providing proper validation, Zwicker has shown continued non-compliance with this provision of federal law, exposing them to potential civil penalties. 

Additionally, Zwicker failed to inform the Principal of their legal entitlements, including the right to dispute the debt and demand validation, as required under 15 U.S.C. 1692g ( a ). This deliberate disregard for FDCPA protections has caused unwarranted harm to the Principal and exposes Zwicker to significant legal liability for statutory damages and corrective action.
Consumer complaint received 2024-07-03
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: Experian Information Solutions Inc. (AK)

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX I am trying to set up credit freezes with the three credit reporting companies for an " incapacitated adult '' with XXXX who without clear awareness wracked up thousands in credit card debt and is now in collections due to them opening credit cards without anyone 's knowledge. The XXXX companies have different requirements and methods of application. TransUnion was clear and easy to follow. XXXX requires unobtainable items such as a birth certificate for someone born in XXXX versus the SS card number and a valid state or federal ID. The worst by far was XXXX which has a hyperlink advertising " minor children and incapacitated adults '' ( XXXX XXXX XXXX ) but when you click on it, there is not a single mention of incapacitated adults on the entire webpage ( XXXX XXXX XXXX ). I used the help and search features with nothing showing up. I called every single number I could find online. The phone tree provides no opportunity to ask a general question or provide the answer to this one. It eventually cut me off - at every single number I used ( XXXX, XXXX, XXXX- which I received an automated response the email was decommissioned XX/XX/XXXX. ) HOW IS A CONSUMER SUPPOSED TO USE THESE PROTECTIONS IF THEY ARE SO INACCESSIBLE? This should not be hard or varied. It is no wonder people don't use this protection. Who has the time, energy, and patience to put up with this abysmal delivery of services?
Consumer complaint received 2024-06-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IN)

I opened an US Bank account around last year 2023 and I made few transactions with XXXX not up to XXXX transactions with my Family and Friends and within a month my bank accounts were closed and I was told to hold few months for Fraud Investigation to be done, after which my account will be closed finally and a Cashiers Check will be mailed to me but to my surprise its been over 9 months now and I havent received anything related to such, of which Ive {$1000.00} right there in my bank account, please I need a help as regards to that cuz I appeared in bank in person with my ID as theyve requested but still I didnt have my money
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

American Express has closed this dispute on XX/XX/year>. Yet they have written that it is still open. The communication issues of this company 's dispute department continue. 
In addition, the documentation sent to me is the same information over and over again. 
The last packet was 175 pages long of the same information over and over.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks. 

Update the account to Paid on time and never late. Or remove it from my consumer report.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

A statement for XXXX XXXX, owner of an IRA got sent to an old address after her death and forwarded by the resident to me on early XXXX. I took that in to XXXX XXXX in XXXX, MI at 5/3 bank to look into it. The statement has no beneficiary info. XXXX has delayed and delayed on this. My motherXXXX XXXX- XXXXas the beneficiary. She was living when the IRA matured but no one searched her out. She died in XX/XX/XXXX and this info was provided to XXXX in early XXXX when I knew a death certificate was needed. Secondary beneficiary was XXXX XXXX brother. I took him to the 5/3 branch in XXXX  XXXX, IN to do needed notarized paperwork in the XXXX  after he moved here from NM. He died of XXXX. The attorney for XXXX XXXX, XXXX XXXX XXXX has also tried to get this money released. XXXX XXXX does not respond or return calls unless with prodding. Theyd is ALWAYS something additional needed. So either she has no clue or shes deliberately stalling. Could the huge judgment against 5/3 be the reason theyre holding onto assets??? One time when I went in to ask XXXX to do something she said shed follow up If I have time. My older brother, XXXX XXXX, is handling XXXX XXXX estate. He has made numerous requests. My sister, XXXX XXXX is handling XXXX XXXX estate. She knew nothing of this until recently and was asked for proof. XXXX has supplied proof. The proceeds SHOULD have gone to XXXX XXXX before her death. Please prompt 5/3 to clear up this mess. The IRA is $ XXXX. Enough! The statement was not kept by me.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (KS)

My citibank account was closed due to being overdrawn for to long. I attempted to pay it and i just needed the account number. I have none of that information and i have a new phone number. I went through a relocation and now they won't even help or answer or provide with any solution. so i can pay this and open a new account.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (CA)

I returned the XXXX also have proof of the return. The store sold me a defective phone and pay pal said they were going to refund my money under buyer protection policy they have to protect buys from being sold defective or not as described items but turned around and denied to honor
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MN)

I was illegally thrown out of my home after 16 years and paid over {$500000.00} for my home tha sold for {$330000.00}. 

I was also arrested for trespassing on my own property when the deed is in my name. 

There is no proper paperwork filed on public record accept the deed being in my name. 

XXXX claims ownership but has no evidence of this lawfully.
Consumer complaint received 2024-07-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

Over the last several years, I have been working with the WI AG 's office and the Project for Predatory Lending regarding incorrect info and practices regarding the loans that the school took out in my name via copy & pasting my signature, high pressure tactics where inaccurate info and misrepresentations were used, pushing me into more expensive plans to pay back the fraudulent debts, and denying me relief I was entitled to, amongst other things. All of this info can be found in my approved Borrower 's Defense to Repayment application, that was approved, resulting in my Federal loans being discharged. My private fraudulent loans should have been discharged in the multi-state Attorney General settlement against Navient, but they weren't. Navient has given me a multitude of reasons, but the fact of the matter is that they have known for years that the info school listed on my loans is incorrect, and are now using it as an excuse to not discharge these fraudulent loans, coincidentally continuing with the shady practices that got them sued in the first place. Because of their refusal to correct things on their end, I also can not apply for and am not included in any other legal proceedings or discharge programs that have been created, due to their fraud. The bottom line is : Navient/Sallie Mae was found to be defrauding students alongside XXXX XXXX XXXX The loans they have listed in my name should have been discharged years ago. They have received roughly {$60000.00} from me, in an attempt to preserve my credit while fighting these fraudulent loans, and yet, the fraud continues.
Consumer complaint received 2024-07-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (CA)

I have not deal with XXXX XXXX. Please check my account activity for the past two months while the money from my checking account going to XXXX XXXX. I purposely did not try to use my card as much as I try to save money in my checking account for my start up business. This is very frustrated as I got charges for the fraud {$22000.00}. I did not aware the money was going out from my checking account as I didn't get any confirmation code or authorization code. How can this large money go out from my checking account without my awareness? I received an email from wells fargo that my account is below {$100.00} so when I logged in, I found several charges totaling {$22000.00} have sent to XXXX XXXX. I called and claimed fraud for those charges. Wells Fargo keep insisting authorized charge and I have not nor dealt with XXXX. Please save me.
Consumer complaint received 2024-07-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (CA)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.