davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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: GOLDMAN SACHS BANK USA (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX  XXXX SSN : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. 
Reason Late payments, Apple Card To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) XXXX demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these mentioned derogatory items be investigated and permanently removed from my report. 
XXXX I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-04
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: CLGF Holdco 1, LLC (MS)

Yes, I have multiple inquiries. Thats on my credit report that does not even belong to me that I did not make it when I try to dispute it with the credit bureau. They denied it and kept sending it back to my credit report. I told them it was not mine and I let them know And no outcome
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (UT)

I have direct deposit with cash app of my weekly payroll checks I also have short term loans with cash app, I have my payment removed once my check is deposited I noticed other $ removed by them 2 times that I have found the removed XXXX % of a check for {$660.00} in the amount of {$54.00} and then another one for {$35.00} which was XXXX %. I also submitted a picture of a normal payment and all that says on there is for cash borrowed theres no percentage taken out of my check. They literally tax a percentage off of different checks and called them payments, but they never showed up on any of my transactions and theyve also got percentages of other payments but their actual payments why would they tax my whole check? I have repeatedly sent them request for information on this and they tell me that basically none of my business that they cant give me any more information on it. I just wan na know whats going on with the money they removing from my account in the meantime I still owe them money, but I told them I wasnt gon na pay them till I got answers so they have continued to charge me interest on money thats owed Without giving me answers to my questions which as far as Im concerned, its just another way of ripping me off answer my questions I would pay them what I owe them, but I want a complete accounting of the money I borrowed and the money that I paid them and they will not give that to me they keep telling me there is no further information that can be given on this account I have had my checks from work deposited into them for months and months and Im really concerned about them having control of my money for this long and me finding these kind of discrepancies I have attached a copy of my complete communication with them back-and-forth. Thank you for your help. I put my phone # wrong & could not correct it XXXX
Consumer complaint received 2024-07-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (TN)

On XX/XX/XXXX of XXXX I successfully received a school misconduct discharge of my Navient private loans due to school misconduct by XXXX XXXX. Last XXXX, I was also granted full discharge of my Federal Student Loans due to school misconduct by XXXX XXXX. 
I have private student loans with Nelnet. I reached out to XXXX in regard to my request for consideration of school misconduct discharge. XXXX responded by saying " Dear XXXX XXXX : A you may already know, XXXX currently administers your XXXX XXXX XXXX. A XXXX XXXX XXXX XXXX XXXX application is unavailable at this time. As mentioned in our previous email, your request for loan discharge was elevated and reviewed as a priority. As a result, it was determined that the loans owner, Nelnet XXXX XXXX XXXX XXXX, is unable to forgive student loans due to fraudulent activities by the school. " These loans which originated in XXXX the very year XXXX XXXX  began its campaign to mislead students into enrolling or keep students enrolled with false claims of graduation rates, job placement, and salary rates. 
It is time all private lenders should allow the discharge of loans given to attend for profit schools who have committed misconduct.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX MO ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-05-17
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. (FL)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Tuesday XX/XX/year>, XXXX XXXX - XXXX card holder ( XXXX ) was signed up for a BJ 's Capital One card, with the understanding ( per the salesperson ) that membership would be free. 
- XXXX made a single purchase of {$1200.00}, and then paid the amount in full ( including any fees and interest ) a month later. 
- After paying off the full amount, this card was never used again. 
- The BJ 's Capital One card then began adding extraneous fees to the card, and since the cardholder did not know about the fees, he started to accrue late fees and additional interest charges ( at a rate of about 40 % ) as well. 
- We called the company on XX/XX/year>, asking to have these fees removed. They refused. 
- We also asked to have this card cancelled. Again, they refused. 
- The " Dispute Department '' informed us that they would NOT cancel our card, but that we could go online, set up an online account, and then cancel the card that way. We immediately opened an online account, however there were NO options available to cancel the card. Additionally, when we tried to contact a representative through the site, we were directed to a help/chat " bot. '' When we asked the bot how we could cancel the card, the bot returned : " Unfortunately, I cant help you with that account. Try asking another question. '' - BJ 's Capital One is a predatory card, seeking out elderly clients, charging usurious and unnecessary fees and interest.
Consumer complaint received 2024-06-04
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. (CA)

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So, I'd like your bureau to UPDATE AND CORRECT the status of my accounts below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FORD MOTOR CREDIT CO. (MI)

This is involving a request and writ of garnishment in result to a income tax refund credit. I've been paying out of my state income tax. The attorney office XXXX XXXX XXXX were impersonating FORD MOTOR CREDIT COMPANY. The matter hasn't been released and amount has been paid. Any and all debt was resolved but credited and put towards garnishment.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

In 2019 XXXX XXXX, XXXX XXXX, inquired my credit in two times this year. Those inquiries were identified as Hard Inquiries rather than Soft Inquiries. The reason to understand that must be a soft inquiry is because my mortgage loan is under a Loss Mitigation review to achieve a loan modification because my unemployed. 

The inquires were performed in XXXX and XXXX. 

I request to change the inquiries to a soft since the process working with XXXX XXXX is for a Loss Mitigation and not to request new credit. 

Below are the definitions as CFPB link.

Hard inquiries. These are typically inquiries by lenders after you apply for credit. These inquiries will impact your credit score because most credit scoring models look at how recently and how frequently you apply for credit.

Soft inquiries. These are reviews of your credit file, including reviews of existing accounts by lenders, prescreening inquiries by prospective lenders, and your requests for your annual credit report. These will not change your credit score. 

Additionally, XXXX XXXX must change the internal guidelines to any borrower who is working under the loss mitigation program all credit inquiries be identified as soft inquiry. 

Thank you!
Consumer complaint received 2024-06-04
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. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law to resolve this matter as soon as possible. 

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 XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc. (OH)

seen accounts on my credit profile and it is a violation of my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4.days I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Consumer complaint received 2019-06-20
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: SYNCHRONY FINANCIAL (PR)

I have NEVER had jc penny card nor XXXX  XXXX card. I have never used any name ending in XXXX. I have never lived in XXXX nor XXXX XXXX Florida. My only last social security 4 digits are and only XXXX. 
XXXX XXXX XXXX has been harrasing mr for over 20 years and I have never done sny business with Rooms to go. 
lastly. I have never defaulted a student loan. I was active student. later had forbance. due to hurricanes in Puerto Rico.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-05-18
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: Experian Information Solutions Inc. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

i have inaccurate and unauthorized credit application on my equifax report : 1- XXXX on XXXX XXXX 2- XXXX on XXXX XXXX 3- XXXX  on XXXX XXXX 4- XXXX on XXXX XXXX as well as on my XXXX   report : 1- XXXX on XXXX XXXX 2- XXXX on XXXX XXXX 3- XXXX on XXXX XXXX 4- XXXX  XXXX XXXX XX/XX/XXXX 5- XXXX XXXX XXXX XXXX XXXX 6- XXXX XXXX i worked out with XXXX and i informed with the inaccurate inquiries i fixed my XXXX report,
Consumer complaint received 2024-07-04
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. (NV)

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC v. XXXX, XXXX XXXX ___ ( XXXX ) In sum, dismissal on the stated ground that XXXX had failed to comply with a XX/XX/XXXX order to amend his complaint is unsupportable because the order referred to did not in fact order XXXX to file a new complaint. Dismissal with prejudice was inappropriate because the amended complaint stated nonfrivolous claims and sufficed to give defendants notice of the substance, and many of the details, of XXXX 's claims. Further clarification of his claims may properly be gained through discovery. We conclude that the district court 's dismissal of the amended complaint was an abuse of discretion.

We have considered all of defendants ' arguments in support of the dismissal and have found them to be without merit. The judgment of the district court is vacated, and the matter is remanded for further proceedings not inconsistent with this opinion. 

Costs are awarded to plaintiff against those defendants who have been served. 

XXXX XXXX XXXX, 49 F.3d 83, 88 ( 2d Cir. 1995 )
Consumer complaint received 2024-08-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

Hello, on XX/XX/XXXX I sent a letter certified mail requesting that the debt collection agency National Credit Systems validate that I owe them {$870.00} dollars. In the letter it states that they are not to report it to my credit report until they validate the debt within 30 days, since then they have reported the debt on my credit 2 times on XX/XX/XXXX and on XX/XX/XXXX. I have not heard anything from this debt collection agency verifying that I owe them.
Consumer complaint received 2024-07-01
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: EQUIFAX, INC. (NV)

Equifax never served by clerks in Federal Lawsuit and violation of Seventh Amendment XXXX XXXX. 

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC v. Jarkesy, 603 U.S. ___ ( 2024 ) 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (MD)

There is NO RECORDED ASSIGNMENT OF MORTGAGE on my deed/property ( see attachments ) including Maryland Department of Assessments & Taxation ( Nothing On FileCERTIFIED COPY ) XXXX XXXX XXXXXXXX XXXX ) I requested the servicer to stop any further foreclosure action/sale per my MOTION C-16-CV-23-003851, filed in Upper XXXX, XXXX XXXX XXXX XXXX Maryland 2 ) I advised the servicer* that I am aware XXXX XXXX XXXX XXXX XXXX, is the Trustee on my DEED OF TRUST : XXXX XXXX XXXX ) I requested for who is the Trustee, full address, city, state, and zip code on my Promissory NOTE.