davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year>, I received an email from Chase Bank stating that they had decided to close my account and that financial institutions should know their customers and monitor account activity. After careful review, they decided to close my account. So I went to the Chase branch to inquire about the details of why, but they helped me by contacting them and saying that there was no reason and I could not file a complaint.
Consumer complaint received 2024-03-27
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Dear Sirs, I need your assistance after several attempts to have XXXX Equifax, and XXXX to remove a derogatory account off my Credit Report. the account is with XXXX XXXX .The Credit Reporting Agencies after being asked to return proof that this debt is valid .I requested an original copy of the copy of the original contract with my signature and the company signature on it and stating the Originial amount on it the amount on the reports is {$12000.00}. After several attempts and letters this negative information is still on all my reports with XXXX, Equifaxand XXXX. I am getting alerts with XXXX and XXXX XXXX stating that I missed a payment in which is lowering my score.Just last month I applied for a Auto loan and theCar Finance Manager said I could not get approved because my Equifax stated that I just had this month a repossession. I greatly need your assistance in getting this negative information removed. My credit and scores has suffered extensively. They also refused to remove the old addresses and inquiries and an Ex- Wife name in which I am no longer married to her for several years now. These are several dates in which I had sent numerous letters trying to get certain things removed like XXXX XXXX and they still refused to correct the informationXX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. Hope you can be of assistance. Thank You
Consumer complaint received 2019-10-12
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. (FL)

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I need the following identity theft items removed from my credit report. 


Name XXXX XXXX That is not my name. 

Address XXXX XXXX XXXX XXXX XXXX  XXXX I have never been affiliated with any of those names or addresses. I have attached the drivers license, utility bill and the ftc report relating to those items.
Consumer complaint received 2024-03-27
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. (LA)

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Full stop. No Agreement matters and if so prove it. Furthermore, if a Person is to report, the Person is to give notice to debtor and required to give the debtor an opt-out option. Full stop, if not prove it.
Consumer complaint received 2022-11-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Hello my family is hit very hard by the Covid and my husband is an auto mechanic and there is no business for several months. This made it hard to pay our mortgage to Specialized Loan Servicing and we fell behind and now they have a foreclosure sale for XX/XX/XXXX. We live here with our XXXX children and have owned the home for 15 years and do not want to lose. When XXXX 's hours were cut we called the lender to ask for help to modify our loan. They ended up offering us a forbearance and they said we could skip the payments and they would add them back in the loan balance and work with us to modify or restructure the loan. The forbearance ended in XXXX XXXX and XXXX wanted us to make the full payment, but my husband was still only getting part time hours. We asked them to work with us and applied for a loan modification. They told us a few months later that we did not qualify. No one could say exactly why, one person said that there was not enough income and someone else said the lender would not allow another modification. We don't know for sure, but we do know that our financial situation is much different than when SLS reviewed us for loan modification. My husband is working full time and got a raise because he specialize in XXXX cars. Also my adult son who lives with us is working full time and helping with the bills. We are making more money and want the chance to be reviewed for homeowner assistance options based on our current income. SLS says sorry it is too late, we will not review for any modification because you can't have one. We don't know why. In XXXX my husband had XXXX and he missed a lot of work during XXXX  but is OK now. We applied for a loan modification at that time and were approved. We make all payments until Covid comes. When they give us the forbearance they explain that it was fine to miss payments that the loan would be modified at the end to fix the late payments. But they have not done that. If they are saying we can't have a second loan modification, why did they tell us they would help us get a new loan modification after the Covid forbearance? If we can't have a second loan modification please give us the information on the owner and investor of loan with their modification guidelines and also the agreement they have to service the loans so we know this is real and true. 

We have enough money to make the mortgage payment or even a higher payment or repayment plan because our finances are much better. But we are behind {$53000.00} because of Covid and SLS is trying to get us to pay this all at once and we can't do that.
Consumer complaint received 2024-07-03
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: 90 Day Credit Experts (CA)

I signed up with 90 day credit in XX/XX/year> for XXXX per month. Was informed after that I also had to have an occurring account with XXXX XXXX for additional XXXX mo. 
They had XXXX  days to bring my credit up XXXX points. They failed. I tried to cancel my contract and I got no response. That was in end of XXXX. Haven't heard from them in XXXX months this morning they took out {$450.00} out of my account and told me I can't cancel my contract. The only way I could get out of it is if I buy the contract. For an additional {$520.00}. I'm on a fixed income the money they took was to my rent and my car payment. I called them you're not working with me at all it basically told me they're not going to refund the money they took. My credit actually went down since I've been with 90 day credit.
Consumer complaint received 2024-05-20
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)

I have not authorized, nor recognized the following inquiries. These statements are shown from 3 different credit bureau. 
As an action Ive placed a fraud alert on my credit with XXXX until l get to the bottom of this matter. 

Equifax 8 unauthorized inquiries : XXXX  XXXX : XXXX Inquiries date : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following are unauthorized mixed with unknown inquiries from lenders, banks, credit cards all without my knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
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. (IL)

I recently reviewed my credit report and noticed it wasn't reporting accurately. I had XXXX late or missed payments on the account that has in fact been paid on time and up to date. The consumer repporting agencies have a need to report all info with complete accuracy. I've attached a copy of my report to this complaint on the following date of XX/XX/year> and XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late or missed payments. If this info can't be verified I demand these payments be updated to paid on time, paid as agreed, or ok immediately. Thanks in advance for your understanding and prompt action. ( 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.

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I responded to a Wells Fargo {$2500.00} offer, and I upgraded to a Premier Checking and finished all requirements. However, the bonus never got paid. 

XXXX ) On XX/XX/year> Upgraded an existing Wells Fargo checking account to a Wells Fargo Premier Checking account ( ending XXXX ) at a Wells Fargo branch. 
XXXX ) On XX/XX/year> Brought more {$250000.00} to Wells Fargo Bank XXXX ) Maintained the balance until XX/XX/year>, which has been well beyond the 90 days after upgrading to premier checking. 

I contacted the bank and went into the branch that I opened the account but nothing got paid so far.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-09
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Nelnet, Inc. (TX)

There have been numerous claims of fraud and misconduct perpetrated by online for profit schools, such as The XXXX XXXXXXXX XXXX XXXXXXXX. I was able to file a Borrower Defense claim with the Dept. of Education against The XXXX XXXX XXXX XXXX, and my Fed. loans were discharged and my credit is currently in the process of being repaired.

My Borrower Defense Claim was also part of the Sweet Vs. Cardona settlement for which I was a full post-class member. Just as XXXX is being held responsible for the corruption of private student loan lending, its time Firstmark is held responsible as well by XXXX. Acknowledging their wrong doing in private loan fraud. XXXX. Provide victims, like myself, a borrower defense application XXXX. Provide immediate relief be forgiving/discharging these predatory private loans made to attend online for profit schools.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AZ)

I have never been late on my student loans. They have been deferred for numerous amount of years. Since dealing with health issues and financial difficulties I always kept in touch and have always kept them either deferred, they have never been late 30 60 90 120 days they've never been late I always apply for the deferment months ahead especially with my medical condition and financial condition be in the same for so long.

Every year for 20 years I've tried to get them to correct it and I don't have a record of conversations where I filled out deferrals because you do it over the phone and it's granted, so there's no way for me to prove that I had it or for them to prove that it was actually late and not deferred via phone.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-08-27
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SF VAGO, LLC (MD)

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : ( late payment date - XX/XX/2021 ) It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is all the information required by Section 1637 ( b ) of Title 15.

You have 15 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

XXXX at XXXX I attempted to deposit 2000 cash into my account via the atm at truest bank elkin XXXX..the atm shut off as it was counting my deposit..it didn't post the deposit to my account and took my card..I called the bank right then and was told it would be resolved today XXXX called the branch to today and they didn't resolve my missing money and bank card..said they didn't know how long it would be till they knew something..this is very unprofessional when all they need to do is get the atm company to come out and retrieve my money and card..
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credence Resource Management, LLC (TX)

The collection is with XXXXXXXX XXXX XXXX account number XXXX. Date opened XX/XX/year> with the XXXX  company. The amount on collection is {$2700.00}. I need this collection to be removed from all 3 credit bureaus. Also I need more information including my identity where this debt come from what year.
Consumer complaint received 2023-09-18
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. (CA)

15 USC 1681b, 15 USC 1681 ( a ) ( 1 ) ( 2 ) Permissible Propose... It is a violation for companies and credit bureaus to report anything on your credit report without your written consent. I never provided any written consent to the credit bureaus or these companies to report anything on my credit report. To continue reporting is Identity theft. Remove these accounts off my credit immediately... XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX  # XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX...
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my XXXX XXXX despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX USC XXXX regarding permissible purposes, as the XXXX XXXX  have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''