davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

On XX/XX/year> Lexis Nexis closed my complaint stating they can not verify me, and that have been sending me emails to verify my identity and I havent responded. That was a lie. They sent me emails to verify my email address not my identity and i have respoinded several times. I have attached a screenshot showing all the correspondence they sent. Additionally how could you not verify my identity when I sent over my passport SS card and bank statement verifying my address and Identity. Additionally the fact that I keep responding to the documentation your sending over to my address which is XXXX XXXX XXXX should also be proof this is my correct address and verify it. You also just removed address from my former complaint and had no problem verifying who I was to get that done. Stop stalling as you have given all the proof I need for litigation. Address my complaint and stop with the i can not verify you. This is my final attemp before me and my counsel proceed with our case. My initail complaint you never addressed was : Lexis Nexis stated they obtained my bankruptcy from the XXXX XXXX court which is not true the bankruptcy court does not provide third parties with public records. I never consented to Lexis Nexis obtaining my information from a third party, they used PACER illegally to obtain my XXXX record then they furnished my information to additional credit bureaus XXXX and XXXX. XXXX LexisNexis said they verified the information from the court. I have attached documentaion that determined that was not accurate. Then they said the information was verified via XXXX I contacted XXXX XXXX XXXX and have attached documention that they also do not report any information to credit reporting agencies. So LexisNexis is again in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( hereafter FCRA ), which prohibits XXXX XXXX Agencies ( CRA ) from engaging in deceptive and unfair practices. I have also attached documentation verifying my identity with XXXX forms of ID so that your stall letters can stop. This is affecting me and adding XXXX XXXX to my life I am trying to buy a home and certain things like this are preventing me from doing so I am requesting for you to please review and do your due diligence by me the consumer to get this matter corrected as soon as possible.
Consumer complaint received 2024-06-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (OH)

Interest rate started at XXXX % which is over my state regulated limit of XXXX %. Furthermore the interest rate increased to XXXX % within XXXX  years, a XXXX % increase when in my state, the annual interest rate should not increase more than XXXX  % over the term of a loan. Also, my payments have been made on time every month for over XXXX years. When looking at my verification of debt I was provided a pay schedule which revealed to me that my monthly payments have been allocated to putting a very small amount on my principal, which changes every month, it is not consistent each month and then the rest is applied to my interest amount which would make me accrue additional fraudulent interest every day ( per the promissory note ) prolonging my ability to pay the loan off in the stated XXXX  months.
Consumer complaint received 2024-06-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

XXXX sends letters that there are no such items on my credit report when it is. Please see below. 

I have notified XXXX continuously about " Identity Theft '' on my Credit Report. When I attempt to contact the Fraud department to have the matter resolved, they tell me they can't see the information and after 15 days I receive more dispute information from XXXX & creditors stating the information on my report is accurate when it is not. The fraudulent items are : Fair Collections & Outsourcing {$1100.00} and Fair Collections & O {$650.00} XXXX submitted legal documents from XXXX XXXX XXXX XXXX on XX/XX/XXXX & XXXXXXXX XXXX XXXX  XXXX Items required by law : filed XXXX FTC Affidavit XXXX I submitted all the documentation required by law on the federal, state, and local levels with FTC Affidavit above to XXXX on XX/XX/XXXX, via postal service XXXX XXXX XXXXXXXX -- item number XXXX Tracking number - XXXX signed by XXXX XXXX Domestic Return Receipt. I saw more debt was not removed after the XX/XX/XXXX submission and updated a new FTC report on XX/XX/XXXX FTC Affidavit XXXX which was faxed to the number the XXXX Fraud Specialist suggested- number XXXX XXXX pages at the UPS store I federally awarded the settlement of my claim of fraudulent information on my credit report from the XXXX Data Breach on XX/XX/XXXX I faxed the award letter ( XXXX Data Breach ) and Affidavits, Also, a notice of identity personally notarized, a police report, a bank statement as proof of address, my driver 's license, and social security number. Please remove the items : Fair Collection & Outsourcing and the apartment complex. '' XXXX XXXX XXXX ''.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SOFI TECHNOLOGIES, INC. (TX)

" 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. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SOFI BANK - XXXX. 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 2024-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (NC)

Mortgage defaulted and we requested a loan modification. Mortgage servicer is having a taking too long to come up with a solution to the request and the sale is in one business day.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

TD bank XXXX va branch. 
Did a mobile deposit on XX/XX/XXXX it was an IRS Check they held my funds for 7 business days. Told me the funds will be available on XX/XX/XXXX. But then told me that they closed my account and if I want my funds I would have to drive 6 hours away to go into a branch. It did not specify on there online banking app that I had to go into a bank to identify myself where I already did through online banking.
Consumer complaint received 2024-06-06
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: J J Marshall & Associates, Inc (GA)

I have come to the understanding without my prior consent given or expressed permission of a court of competent jurisdiction given to JJ Marshall & Associates, JJ Marshall & Associates may not communicate with me in connection with collection of any debt at any unusual time or place which shall be inconvenient to I, XXXX XXXX, consumer ( SEE ATTACHMENT ).
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MA)

Dear Consumer Financial Protection Bureau, I am writing to provide an update on the complaint against Citibank ( Case # XXXX ) and to request your assistance in resolving a discrepancy in Citibank 's recent correspondence. 
In response to the complaint filed by my daughter, XXXX XXXX, Citibank sent a letter to me dated XX/XX/year> ( Citi Reference Number : XXXX ). In this letter, Citibank stated that a check in the

amount of {$36000.00} was mailed to me under separate cover, and I should receive it within 7-10 business days.

However, on XX/XX/year>, I received an official check from Citibank in the amount of {$29000.00}. This amount does not match the {$36000.00} mentioned in their letter. I have requested clarification from Citibank to determine if the {$29000.00} check represents the accurate amount of refunds.
Consumer complaint received 2024-06-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (GA)

Dear Net Credit Team, Re : XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX GA XXXX I am writing to bring to your attention the provisions outlined in 15 USC 1691 and 12 CFR 1002, which pertain to the Equal Credit Opportunity Act ( ECOA ) and the implementing regulations of the Consumer Financial Protection Bureau ( CFPB ). These laws prohibit credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. As a consumer, I value the protections afforded by these laws, which ensure that all individuals have equal access to credit opportunities and are treated fairly and without discrimination in the credit application process. It is important for financial institutions and creditors to comply with these laws to promote fairness and equality in lending practices. I trust that your organization is committed to upholding the principles of nondiscrimination and fair lending as mandated by 15 USC 1691 and 12 CFR 1002. I appreciate your attention to this matter and look forward to continued compliance with these important regulations. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (IL)

Target credit card payment posting delay. 
I have a Target credit card with a limit of {$600.00}. I am set up on autopay, but I usually pay the balance off in full each month because I do not want to pay any interest. On XX/XX/2024, I made a one-time credit card payment of {$540.00}. My Target credit card account is linked to my XXXX checking account. The {$540.00} amount was withdrawn from my checking account on XX/XX/2024. However, on XX/XX/2024, when I tried to use my Target credit card, my transaction did not go through. I spoke with a supervisor who indicated payments can take up to 14 days to post to customer accounts. I thought that was odd since the payment was removed from my checking account as of XX/XX/2024. On XX/XX/2024, I tried to use my credit card and I received an error message. I am still unable to use my Target credit card. I called and spoke with a supervisor named XXXX who indicated the hold was because I was near my credit limit. It appears Target is holding and probably earning interest on customer payments during their payment verification process. Note this was an ACH payment. I checked both accounts and confirmed the payment debit from my checking account and the payment posting on my Target credit card account.it seems as though Target imposes an undue waiting period to release fund availability on customer accounts. I attached screenshots of my XXXX checking account statement, Target credit card home screen, and my Target credit card statement. I believe there is a pattern with these types of transactions as I previously closed my Target credit card because of this same issue.
Consumer complaint received 2024-04-23
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-23
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. (AZ)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS ABSOLUTE RESOLUTIONS I Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, XXXX XXXX I contacted the data furnisher company XXXX XXXX at that time I filed a dispute on the following accounts that are being reported as collections.1. XXXX XXXX XXXX XXXX ACCOUNT NO # XXXX and 2. XXXXXXXX XXXX account no. # XXXX. On XX/XX/XXXX I received a response to my dispute stating that has of the date of the letter they forward me that this account had been deleted .Further more they furnish me with a letter to contact the following credit bureaus XXXX XXXX XXXX XXXX and Experian that they furnished this inaccurate data. At that time I filed disputes with EXPERIAN, XXXX, and XXXX  on XX/XX/XXXX, I also forwarded them a copy of the letter that was furnished to me by XXXX XXXX proving that these accounts had been deleted. In my dispute to these credit bureaus I requested that these accounts be deleted because the data furnisher company that had provided them with this inaccurate data had deleted these account that they were reporting on my consumer report. On XX/XX/XXXX and I received my XXXX credit report file number XXXX and my Experian credit report file number XXXX saying that there investigation was done and the results were that the creditor updated this information. How could this be when I have 3 letters from the data furnisher stating these accounts have been deleted.. Please investigate this issue.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MI)

I've been trying to call Nelnet to help with my SAVE plan to see if i can get it lowered. Been on hold for more than an hour multiple times. Trying to log into the website, don't quite remember my username and login info, tried to recovered information using recovery options, never received an email for verification codes to it multiple times. A process which should be easily handled through automated services built into the website. Clearly this isn't the case, unless the site is mucked up on the back end.
Consumer complaint received 2023-03-13
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-04-23
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. (IL)

I am writing to dispute unauthorized inquiries that are still appearing on my credit report. Despite previous attempts to address this issue, the unauthorized inquiries remain listed, negatively impacting my creditworthiness and financial standing. 

I wish to emphasize that I did not authorize these inquiries nor did I have any prior relationship with the entities listed. This unauthorized activity has significantly affected my credit score and financial well-being, and it is imperative that it is promptly addressed.

I assert that the continued presence of these unauthorized inquiries on my credit report violates the Fair Credit Reporting Act ( FCRA ), particularly : 1. Section 604 - Permissible Purposes of Consumer Reports : Unauthorized inquiries violate the permissible purposes outlined in the FCRA for accessing consumer reports.

2. Section 611 ( a ) ( 1 ) ( A ) - Accuracy of Information : The information provided by your agency regarding the unauthorized inquiries is inaccurate and misleading, as I have provided evidence proving them to be unauthorized.

3. Section 623 ( a ) ( 2 ) - Duty to Correct and Update Information : Your agency has failed to correct the inaccurate reporting despite my previous disputes and documentation provided, which is a violation of your duty under the FCRA.
Consumer complaint received 2019-08-25
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA (WA)

Was told by American Education Services that I could write to XXXX bank to reduce my monthly payments to a more affordable payment amount. I submitted a letter then was told by another representative that XXXX doesnt not work with people to lower payments. They want to charge me XXXX per month for my student loans of XXXX. The amount they want to charge me inhibit my ability to pay off other debt too. I am also a single mother-divorced and left to pay all divorce debt. Need them to work with me on more reasonable payments ... even reducing by XXXX or XXXX would help. XXXX lowered my payments from XXXX a month to XXXX a month.
Consumer complaint received 2024-04-23
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. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you removes these errors to correct my credit report immediately! I have reported this to the federal trade commission and attached the federal trade commission affidavit. Now that I given you the following information, please correct my credit report or I shall proceed with involving my attorney!