davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
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. (TX)

I have reached out to the following account below and talked to them about the issue with my account as reported by the EQUIFAX. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.
Consumer complaint received 2024-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I applied for the XXXX XXXX for the XXXX - XXXX semester. However, I am also showing I received funding from XXXX. I have no idea what that it. It has been about a week and still nothing in regards to my XXXX XXXX and the update for CONSOLODATION LOAN.. The XXXX website has been down for 2 days now, so I am waiting to see that information. When I contact the school about the loan for the XXXX loan, they send me to the XXXX website XXXX but now for the XXXX year they are telling me to go to workday. I had tried multiple times to get information for the charges for semester. The school has continued to tell me that they have already given me enough funding, but they keep changing my XXXX information. They change my refund amounts. They change my purchases. And apparently now I have grants or loans that I do not even know exactly where they came from. There are disbursements and semesters that I have not even appeard to for class, however there is XXXX information and aid sent. 

Student id XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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

Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (TX)

In XXXX I XXXX XXXX XXXXXXXX at XXXX. I did not receive my {$1200.00} for living expenses the XXXX at that time Im not sure if they knew it or not but they had rogue fraudulent office workers who said I received my XXXX but I did not And I could XXXX XXXX XXXX XXXX and I paid {$1200.00} back. in XXXX our found out about Brower defense discharge and applied for it. A couple years later after that XXXX XXXX was shut down because obviously throughout the years I was not the only one with the same complaint was supposed to be given some type of compensation, Ive never received it.
Consumer complaint received 2023-08-25
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. (VA)

I am writing to express my deep concern regarding your practices in validating debts that are not associated with my credit report. It has come to my attention that several collections accounts have been added to my credit report without proper validation, despite my repeated attempts to rectify this issue. 

I have made numerous requests to have these debts reviewed and validated, providing supporting documentation that clearly demonstrates that these accounts are not mine. However, I have consistently faced refusal from your organization to conduct a thorough investigation into these discrepancies. 

Furthermore, I am deeply troubled by the fact that the same unverified information continues to be included in my credit report, negatively impacting my creditworthiness and reputation. This not only violates my rights as a consumer but also undermines the integrity of the credit reporting system. 

I demand that you immediately cease reporting these unverified debts on my credit report and take immediate action to rectify this situation. It is crucial that you conduct a comprehensive review of the information provided and remove any inaccuracies without delay. 

I also insist that you provide me with a detailed explanation of the steps you will be taking to address this issue and prevent similar incidents from occurring in the future. Additionally, I request a written confirmation of the actions taken to correct my credit report. 

Please be aware that I am prepared to pursue all available legal remedies, including filing a complaint with the appropriate regulatory authorities if necessary, to ensure that my rights as a consumer are protected and that my credit report reflects accurate and verified information. 

I expect a prompt response to this complaint, including a timeline for resolving this matter satisfactorily. Failure to address this issue adequately will leave me with no choice but to escalate my concerns further. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

CAPITAL ONE has entered into a consumer credit transaction with via using my social credit card defined under 15 USC 1602 to extend me my on credit on multiple accounts. In the year of 2022 CAPITAL ONE has committed ADVERSE ACTION and has discriminated against me and my RIGHT TO CREDIT as defined under 15 USC 1691 by shutting down my accounts and denying me a Granted Right which is access to extend credit. CAPITAL ONE has been in violation of the ECOA and Tittle 18 USC 242 for denying me a federally protected right to extend credit and have access to credit. CAPITAL ONE once aft er taking ADVERSE ACTION discriminating against me has reported false statements on my consumer report hurting my reputation and hurting my credit worthiness further negatively impacting my right to extend credit in the banking system. CAPITAL ONE is reporting an alleged debt that arose out of a consumer credit transaction via a FINANCE CHARGE and is falsely reporting charged off accounts as Income on my reputation as defined under IRS Guidelines. TENDER of payments were attempted to be made on the accounts to satisfy the alleged debt In Good Faith but was REFUSED by CAPITAL ONE. Such Refusal of legal tender has now discharged the debt under UCC 3 -603 and has placed CAPITAL ONE under a violation of the Federal Reserve Act Sec 29. CAPITAL ONE has been given the opportunity to perform and provide VALIDATION of the alleged debts by providing key information that which if provided payment in FRN would be made. CAPITAL ONE has failed to provide Lawful validation of any Lawful debt and despite lawful payment attempts being made and continues to furnish false statements on my reputation harming my character and right to credit.
Consumer complaint received 2023-08-25
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. (VA)

I am writing to express my deep concern regarding your practices in validating debts that are not associated with my credit report. It has come to my attention that several collections accounts have been added to my credit report without proper validation, despite my repeated attempts to rectify this issue. 

I have made numerous requests to have these debts reviewed and validated, providing supporting documentation that clearly demonstrates that these accounts are not mine. However, I have consistently faced refusal from your organization to conduct a thorough investigation into these discrepancies. 

Furthermore, I am deeply troubled by the fact that the same unverified information continues to be included in my credit report, negatively impacting my creditworthiness and reputation. This not only violates my rights as a consumer but also undermines the integrity of the credit reporting system. 

I demand that you immediately cease reporting these unverified debts on my credit report and take immediate action to rectify this situation. It is crucial that you conduct a comprehensive review of the information provided and remove any inaccuracies without delay. 

I also insist that you provide me with a detailed explanation of the steps you will be taking to address this issue and prevent similar incidents from occurring in the future. Additionally, I request a written confirmation of the actions taken to correct my credit report. 

Please be aware that I am prepared to pursue all available legal remedies, including filing a complaint with the appropriate regulatory authorities if necessary, to ensure that my rights as a consumer are protected and that my credit report reflects accurate and verified information. 

I expect a prompt response to this complaint, including a timeline for resolving this matter satisfactorily. Failure to address this issue adequately will leave me with no choice but to escalate my concerns further. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (NC)

CONCORA CREDIT ( /Milestone Mastercard XXXX at XXXX -- XXXX XXXX XXXX -- XXXX XXXX Oregon- XXXX is concurrently UNLAWFULLY & ERRONEOUSLY WITHHOLDING MY ALREADY POSTED & PAID CREDIT CARD FUNDS ( for up to 14 days ) & the Account Managers STRANGELY stated to me that my FUNDS would NOT be available until AFTER XX/XX/XXXX. On XX/XX/XXXX, I made a payment to Milestone Mastercard / Concora Credit in the amount of {$540.00} & another payment of just over {$49.00} on XX/XX/XXXX XXXX which have both already posted from my LOCAL Checking account -- ( & NOT some foreign- " overseas '' account ). Furthermore, this is the same Checking account in which I have been using ever since I obtained this Credit Card in XXXX, yet Milestone Credit Card Company stated to me- over the telephone that I SHOULD NOW USE XXXX- INSTEAD OF MY CHECKING ACCOUNT, or they may choose to AGAIN- UNLAWFULLY withhold my FUNDS for up to 14 days. I suspect that it is possible that some nefarious- de facto- government agency contacted & instructed this Credit Card Company to SABOTAGE me & WITHHOLD my FUNDS & erroneously report my credit balance as negative- for the last 2 months in a row. I was disgustingly on the telephone with a couple of Concora Credit- ACCOUNT MANAGERS & staff for over 2 HOURS on XX/XX/XXXX XXXX obviously trying to resolve the ILLOGICAL ISSUE.. Therefore, WHY THE XXXX WOULD A CREDIT CARD COMPANY NEED OR EVEN WANT TO HOLD MY FUNDS FOR UP TO 14 DAYS- ( with ALL of their money ) EVEN WHEN ALL I HAVE DONE IS PAY ON TIME- from a LOCAL Checking Account & THEN THEY HAVE INTENTIONALLY REPORTED WHAT LOOKS TO BE A " NEGATIVE '' BALANCE ( the minus symbol ) ON MY CREDIT REPORT for XXXX & XX/XX/XXXX. Consequently, I now feel convinced that Milestone Mastercard was instructed & possibly PAID OFF- to SABOTAGE me & WITHHOLD MY FUNDS.
Consumer complaint received 2024-01-25
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. (MO)

This complaint has 2 parts, 1st part, yet again experian lied and sent a notification that another dispute was ready to view, THAT WAS A LIE AS ALWAYS as screen shots show Part 2, EXPERIAN called yesterday and left a message you could barely understand as the person could barely speak XXXX but said they would call back yesterday, THAT WAS A LIE but now we know why. This is a tactic experian uses to lie and say they made contact. The customer service rep has ABSOLUTELY NO POWER TO DO ANYTHING EXCEPT WHAT THEY CALL AN ( ESCALATION ) which nothing but a stall tactic WELL GUESSWHAT EXPERIAN YOU NOW HAVE DRAWN THE ATTENTION OF LAWMAKERS IN MY STATE AND THE D.O.J.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

I disputed a charge with this credit merchant, and it was reversed but soon after the charge was placed back on my account. Without proper communication and evidence. 
Below is the letter I wrote to the creditor Chase XXXX XXXX different times starting on XX/XX/year>. 
I am writing to dispute a charge on my credit card issued by XXXX XXXX XXXX, which was not authorized. The charge in question appeared on my statement dated XX/XX/year>, in the amount of {$2600.00}. 
While I have authorized previous bills from XXXX XXXX XXXX, I recently discovered unauthorized devices on my plan for which I have been consistently billed without ever receiving the devices. This discovery has led me to scrutinize my statements more closely, revealing the unauthorized charge referenced above. 
Upon contacting XXXX XXXX XXXX to rectify the situation and report the fraudulent charges, I was dismayed to be informed that because the charges were not reported within a certain timeframe, they were still my responsibility. Despite my repeated attempts to explain the circumstances and emphasize the fraudulent nature of the charges, I have been met with resistance and told that there is nothing that can be done. 
I find this response unacceptable, as I have always acted responsibly regarding my AT & T account and promptly reported any issues as soon as they came to my attention. It is deeply concerning that XXXX XXXX XXXX is unwilling to acknowledge the fraudulent activity and take appropriate action to rectify the situation. 
I urge you to thoroughly investigate this matter and provide me with a resolution that is fair and just. I request that the unauthorized charge be immediately reversed, and any associated fees waived. Additionally, I expect AT & T to take measures to ensure that my account is protected from any further unauthorized activity. 
Please find attached relevant documentation, including my credit card statements and any correspondence with XXXX XXXX XXXX regarding this matter. I expect a prompt response and resolution within [ XXXX XXXX, e.g., 30 days ] days. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and a satisfactory resolution.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2023 I closed on a cashout refinance on my personal residence. The wire transfer of {$290000.00} was wired into my account at Truist Bank on XX/XX/2023. On Friday XX/XX/XXXX I got a call from Truist that my bank account was frozen due to wire fraud. I talked with the branch leader, XXXX XXXX and she said the account was frozen due to fraud investigation regarding the funds from the cash out refinancing. She then said it was out of her hands and that if I had any documentation to bringit in. Monday XX/XX/XXXX I dropped off XXXX pages of closing docs and mortgage loan statement and also emailed the wire information from the title company. I also found out that Truist called the title company on XXXX  XX/XX/XXXX to get their documentation. However in the meantime my account is frozen, I haven't heard from anyone about the investigation and I am coming up on month end billd and mortgage with no funds to work with. I also have XXXX letters saying checks returned for NSF and also have creditors calling me for payment. 
I'm the innocent person in all this and I should have some sort of protection in all this. Why if they are investigating the wired funds are they penalizing me. This is not right!!!
Consumer complaint received 2023-08-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (GA)

On several occasion I have disputed the validity of the alleged debt of {$9400.00} that Ally claims that I owe. On XX/XX/XXXX I terminated the lease early. At the time of the termination the balance was {$13000.00} in remaining base monthly payments. The unearned rent charge of {$4500.00} ( which was calculated incorrectly ) and {$2.00} from other funds received was also deducted from the balance leaving a balance due of {$9400.00}. On XXXX XXXX XXXX  I received a notice from Ally saying they sold the vehicle and this was the remaining balance due. I have spoken to several employees including XXXX who is in the executive customer relations department, who stated that when Ally sells the vehicle the proceeds are applied to the balance at the time of the termination and then all other fees are deducted. I have asked on several occasions where the proceeds of {$20000.00} were applied to? I still have not gotten an answer. This leaves me to concluded that the proceeds were not applied to my balance. Ally also denied me the right to have an independent appraiser to appraise the vehicle within a reasonable amount of time after termination. Before I had an opportunity to located an appraiser, Ally sold the vehicle within a week after I turned the vehicle in. Ally refuses to give me any information in regards to the sale of the vehicle besides what the vehicle sold for. This account is also reporting inaccurately on my credit report and Ally refuses to delete the account. I have also requested a 1099-C for tax purposes since Ally claims that the account was charged off on XX/XX/XXXX. This inaccurate information has been furnished to 3 third party debt collectors to solicit payments from me on a debt that can not be substantiated. I am trying to resolve this matter without pursuing legal redress but Ally has been non compliant in trying to remedy their acts of fraud, tax evasion, and numerous violations of my consumer rights.
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank Of America has entered into a consumer credit transaction with via using my social credit card defined under 15 USC 1602 to extend me my o n credit on multiple accounts. In the year of 2022 Bank Of America has committed ADVERSE ACTION and has discriminated against me and my RIGHT TO CREDIT as defined under 15 USC 1691 by shutting down my accounts and denying me a Granted Right which is access to extend credit. Bank Of America has been in violation of the ECOA and Tittl 18 USC 242 for denying me a federally protected right to extend credit and have access to credit. Bank Of America once aft er taking ADVERSE ACTION discriminating against me has reported false statements on my consumer report hurting my reputation and hurting my credit worthiness further negatively impacting my right to extend credit in the banking system. Bank Of America is reporting an alleged debt that arose out of a consumer credit transaction via a FINANCE CHARGE and is falsely reporting charged off accounts as Income on my reputation as defined under IRS Guidelines. Bank Of America has been given the opportunity to perform and provide VALIDATION of the alleged debts by providing key information that which if provided payment in FRN would have been made. Bank Of America has FAILED to provide lawful evidence of a Lawful debt and continues to furnish false statements on my reputation hurting my character and Right to Credit for personal and household needs.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Request for Removal of Student Loan Accounts from Credit Report Dear Credit Reporting Agency, I am writing to formally request the removal of several student loan accounts from my credit reports maintained by your agency. This request is submitted under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ).

Details of the Request : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c : Requires that outdated adverse information be removed from consumer credit reports.

15 U.S. Code 1681b ( c ) : Provides consumers with the right to dispute inaccurate or outdated information.

Public Law 91-506, Title VI, Section 611, Subsection A-D : Mandates credit reporting agencies to investigate and correct inaccurate or incomplete information in a timely manner.

Servicemembers Civil Relief Act ( SCRA ) : As an active-duty service member, I am entitled to protections under the SCRA that include the accurate reporting of my financial obligations and benefits.

Issue : The student loan accounts in question are adversely affecting my credit score and financial standing. These accounts are either inaccurately reported, outdated, or should be removed under the provisions of the FCRA and SCRA.

Action Requested : I request the immediate removal of the specified student loan accounts from my credit reports. 

Accounts in Question : 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 XXXXXXXX Previous Correspondence : This request follows previous attempts to correct these inaccuracies directly with the credit reporting agencies, which have not been resolved satisfactorily. 

Thank you for your prompt attention to this matter. Ensuring the accuracy of my credit report is crucial for maintaining my financial stability and compliance with my rights under the FCRA and SCRA.