davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (NJ)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( TRUIST BANK and XXXX XXXX and XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( TRUIST BANK and XXXX XXXX and XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( TRUIST BANK and XXXX XXXX and XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( TRUIST BANK and XXXX XXXX and XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (OH)

My phone and XXXX Chime debit cards have been stolen over the course of the last XXXX months, beginning in XX/XX/2023. I filed multiple police reports and have reported the fraud to Chime Bank. They have continuously denied my claims. The total amount of fraud is now totaling {$7000.00}. 
The claim numbers and amounts are as follows : XXXX - {$2400.00} XXXX- {$3000.00} XXXX- {$1200.00} XXXX- {$300.00} Bank Name : Chime Account number : XXXX Routing number : XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-11-07
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: Fidelity National Information Services, Inc. (FNIS) (MI)

Chex System has failed to help me. Won't help me via phone, mail or fax. They won't provide me a pin, they won't remove a security freeze, they won't allow me online access, they won't help me on the phone, they put me on hold for 20 minutes and keep disconnecting me, they will not help me by fax, they will not help me by mail, they will not let me access my account in any way shape or form and I have had numerous problems including getting a loan because of this problem. I have been given nothing but the runaround and spent hours on the phone with them today and still no assistance. I want the security freeze removed off my account and I want a new PIN emailed to me and my email address updated immediately. They will not do any of these things and I am tired of this game my next steps will be to contact a lawyer.
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: GLOBAL CREDIT UNION (WA)

Global Credit Union Customer Service : XXXX Loan Number : XXXX XXXXXXXX XXXX I made a wire transfer payment for the full balance of the mortgage ( {$340000.00} ) per the Payoff Statement I downloaded from their website. 

XXXX XXXX The following day I called the customer service number. The Global Credit Union representative confirmed that they had received the payment, and that the loan was paid in full. I requested a Lien Release and a Paid In Full Letter. I was told either of these items would take 60-90 Business Days for them to process and send to me. I told them that was unacceptable because the loan would effectively show as outstanding on my credit report for XXXX of a year after I had paid it in full. They suggested that I go to the County and request a lien release through the County for a fee - that would be faster than getting one from Global Credit Union ( the lender ). 

I do not think its reasonable that a lien release from the lender should take 60-90 business days when the loan is paid in full.

I do not think it's reasonable that I have to pay a fee for a lien release through the County when the lender should be able to easily provide one. The lender is the one releasing the lien. Why can't they release their lien on the day they receive payment in full?

I do not think its reasonable that my credit report will not be updated for 60-90 days to reflect my full payment of this mortgage.

I want them to send me a Lien Release and a Paid In Full letter within 7 days. I think thats more than reasonable. 

Thank you for your assistance.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Remove this account listed below in accordance with FCRA 1681b ( a ) ( 2 ). 

Please remove this account. 

XXXX XXXX. 
Additionally, Title 15 U.S.C. 1681 Section 602 States I have a right to privacy.

Title 15 U.S.C. States a credit reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-09
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: BARCLAYS BANK DELAWARE (CA)

THESE INQUIRIES were not authorized. Please remove it immediately.

I understand that Hipaa does allow for limited information. and I didnt give anyone permission to run my credit. Please provide a copy of my signature
Consumer complaint received 2024-05-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alliance One, Inc. (CA)

In XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX The court imposed a {$500.00} fine and {$3800.00} court cost. The Clerk of the Court turned the debt over to the XXXX XXXX XXXX who added 25 % to the debt ( XXXX ). I filed a Motion to Proceed In XXXX XXXX - - a form requesting modification of court cost because I am XXXX and unable to pay in accordance to PA law on XXXX XX/XX/XXXX. The clerk of the court responded by sending my persona information and social security statements of benefits to XXXX XXXX, thus adding another 25 % to the debt. After being XXXX XXXX XXXX XXXX XXXX sent me information to the XXXX XXXX XXXX to collect a fee for being XXXX XXXX XXXX  They called my treating the clerk would put me XXXX XXXX XXXX  if I did not pay them the debt and their fees. They placed a negative mark on my credit report. Please review the XXXX XXXX XXXX XXXX XXXX website. It very telling. XXXX XXXX XXXX XXXX XXXX XXXX The amounts in dispute are no criminal penalties nor fines but court cost. Actually its a court tax to support their community. 


Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A. (FL)

on XXXX XXXX  2024, i realize that some get a credit card using my name, i got in contact with the CITI BANK, i told them that a didnt ask for that card and that i never had that card in my hands. Someone use my information to get it. the CITI BANK people told me that the case was on investigation and today XX/XX/XXXX i call because i receive an alert from XXXX ( i submit to them since this situacion happen ) the alert says something about CITIBANK, so i called them and they said that my case was denied!!! how come, It cant be possible, i can not pay for something i that i didnt spend. 
i was ready to buy a house and now my credit score its tottaly a mess I really dont know what to do, please i need your help.
Consumer complaint received 2024-05-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMW FIN SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with ( company name ) for many years. 
During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, XXXX years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments XXXX days late on XXXX occasions over a XXXX-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2023-09-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (MO)

Hello. I noticed on my new credit card that I had an option to check my credit report. I found that it showed I owed {$6500.00} to ED Financial. I have never heard of ED Financial nor did I know anything about this debt. I contacted my parents who advised the only student loans we had were with XXXX XXXX and they were paid off years ago. I started XXXX XXXX in 2016. I contacted my school, Student Aid.gov and ED financial. My school said my school loan debt has been paid off. Student Aid.gov said they show we owe this along with ED Financial. I have never received ANYTHING from ANYONE about this debt. It has been 8 years and I only found out about this from pulling my credit report. This is not right. You can see on my XXXX XXXX that payments were made each month and now paid off. We would have done the same on this loan if I would have know about it. Please help me. If I owe it, I will pay it but I don't feel that I should have any interest accrued since I didn't know about it and no one can provide me with any documents. Why wasn't anything sent to me in 8 years? My parents haven't moved, phone numbers haven't changed! My twin brother XXXX XXXX apparently has the same debt who just received for the first time in the mail something from XXXX. He will be sending the same dispute to you.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

My employer has sent two checks to EdFinancial to assist with student loan repayment. The first check was issued on XX/XX/2023 for {$3500.00}. The second check was issued for {$870.00} on XX/XX/2023. BOTH CHECK HAVE BEEN DEPOSITED. NEITHER CHECK HAS BEEN CREDITED TO MY ACCOUNT. 

I have called many times. EdFinancial has a phone queue longer than 500 minutes and often does not return the call at all. I have only ever been able to speak to one representative who claimed I " have to wait ''. It has now been nearly 60 days from the first payment. They have lost these checks. They are not investigating. They are not crediting my account. They refuse to help at all. I have no mechanism to hold EdFinancial accountable and they are STEALING loan payments. This is unacceptable.

In addition to lost payments. EdFinancial is DOUBLE CHARGING my autopay personal bank account. I signed up for auto-pay on XX/XX/2023. EdFinancial then charged my account a second time on XX/XX/2023. When I called to inquire they claim to not have received either payment and refused to reverse the UNAUTHORIZED second charge on my account for {$450.00}. EdFinancial is STEALING MONEY. They never credited my loan account with these payments.
Consumer complaint received 2024-01-11
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. (CT)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
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. (NJ)

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 u.s.c 1681 Account Name... XXXX XXXX XXXX Account # XXXX XXXXXXXX ..... 
XXXX XXXX XXXX... XXXX XXXX... XXXX XXXXXXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 section 602 A. States i have the right to privacy..

15 u.sc. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ... 15 u.s.c 1681 c. ( 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 crime which antedates the report by more than seven years ... ..15 u.s.c 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Consumer complaint received 2024-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

I recently reviewed my Credit Report and noticed that I have an incorrect report on my Credit Report. I don't have any signed agreement nor delt with LOCKHART, MORRIS & MONT. I'm requesting this company to be refrained from reporting to any of my Credit report Agency. This report is hurting me from acheiving good credit report.
Consumer complaint received 2024-05-22
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: OneMain Finance Corporation (CA)

XXXX XXXX XXXX has violated both FDCPA and Fair Credit Reporting by adding back a fraudulent account to my credit report simply because the fraudulent creditor called them. I mailed out a certified packet which I have attached here confirming this is account was opened fraudulently without the proper authorization. XXXX XXXX then deleted One Main Financial the fraudulent account opened without my signature or that of my POA only to add them back on 4 days later simply because the creditor called them. At this point I have retained an attorney and have multiple causes of actions against XXXX XXXX for adding this fraudulent account back on my report. They refused to delete it and block the creditor even with a security freeze. The same attorney will also be suing One Main. Everyday that this information remains on my report is a daily damage to my persons.
Consumer complaint received 2024-01-11
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. (TX)

In accordance with the Fair Credit Reporting Act ( 12 CFR Part 1022 ), the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681b ( a ) ( 2 ). 

Accounts : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never expressed a written or verbal consensus granting TransUnion permissible purpose to publicly report the listed accounts and inquiries. This infringes upon my privacy and rights per the Fair Credit Reporting Act ( 12 CFR Part 1022 ), 15 U.S.C. 1681b ( a ) ( 2 ), and 15 U.S.C. 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

XX/XX/year> called Nelnet to gain information on {$520.00} accrued interest due when payment not due until XX/XX/year>. Why is interest accruing and monthly payments are not being applied toward this. We were not asked how we would like applied nor did we provide instruction to how the payments should be applied. Spoke to customer service person, XXXX, she placed me on hold to research and the call dropped. No return call from Nelnet.
Consumer complaint received 2024-05-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

I don't recall having a contractual relationship with this collection company TRANSWORLD SYSTEMS INC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.