davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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: Nelnet, Inc. (MI)

I am writing to express my deep concern regarding your unauthorized access to my personal information without my consent. I would like to bring to your attention that I do not have any contractual agreement or affiliation with your company, yet you have accessed and reported information about me to XXXX. 

This unauthorized access to my personal information is a direct violation of my privacy rights as guaranteed by the laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. According to these laws, companies are required to obtain proper consent before accessing and reporting personal information to credit reporting agencies. 

I demand that you immediately remove any and all references to my account from XXXXXXXX XXXX report, as this information was accessed without my authorization. Failure to do so would further demonstrate your disregard for my privacy rights and may result in legal action for FCRA violations. 

I expect Nelnet to take this matter seriously and rectify the situation promptly. I also request that you provide written confirmation of the removal of this unauthorized account from my XXXX report. 

Please be advised that any failure to comply with these requests will leave me with no choice but to pursue all available legal remedies to protect my rights under the FCRA and other applicable laws. 

There are 12 accounts reporting on my Consumer report that I do not consent to. I demand removal immediately. 

I trust that you will address this matter with the urgency and seriousness it deserves. I eagerly await your prompt response and a resolution to this privacy violation. 

Sincerely,
Consumer complaint received 2024-08-03
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. (AL)

XXXX XXXX XXXX Account # : XXXX Upon a recent review of my credit report, I discovered an unauthorized account that is completely unfamiliar to me. This fraudulent entry is severely obstructing my ability to obtain credit. It is imperative that this entry is removed immediately.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I am writing to file a formal complaint for violation of 15 U.S. Code 1681s-2. I notified the credit agencies via certified mail about my concerns regarding the accuracy of certain items on my credit reports. I personally wrote and sent this request, without involving a third-party agency. It seems evident to me that they are misusing their authority under the FCRA to avoid a thorough investigation.

I contacted the creditors listed below, requesting an investigation into potentially fraudulent, inaccurate, and falsely reported items. However, I have not received any response to date. I believe this delay is a deliberate tactic to gain an additional 30 days to comply with my original request, which I consider a clear violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

The credit reporting agency has been providing incorrect and incomplete account information on my credit file. I am deeply concerned about the presence of these inaccurate accounts on my credit profile. Their agency has failed to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information they report. Consequently, you may be held liable under 15 U.S.C. 1692g validation of debt. Additionally, based on the case of XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ), your agency could be liable for false reporting. It is crucial that credit reporting bureaus adhere to laws that require them to report only 100 % accurate credit information.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

XXXX XXXX is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 idc 1666b clearly states that no creditor can mark any payments as late for any reason.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Please review and remove this account from my report as this is an incorrect and false representation of me. I dont have any accounts with this company as of XX/XX/2024 I saw that XXXX XXXX  was trying to collect for XXXX XXXX please review and remove, I have reached out to the collections company to request written notification as it was never received. 


Thank you,
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

XXXX XXXX is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 idc 1666b clearly states that no creditor can mark any payments as late for any reason. XXXX XXXX states they sold it, but the company listed said they dont have this reporting and that it is in fact XXXX XXXX which is what is being furnished.
Consumer complaint received 2024-05-06
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 not been supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I may presume that no proof of alleged debt, nor therefore and such debt actually exists.
Consumer complaint received 2023-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, a XXXX transaction has been made through XXXX on my Chase bank account. This transaction is a scam because the person messaged me on a social media platform ( XXXX ) about two event tickets available. He also asked about my personal information and XXXX number and I agreed verbally but never initiated the transaction nor did I authorize this transaction legally in any way. He never sent me the tickets that he promised, which proved that he is a scammer. My bank refused to give me this refund. 
They think I authorized this information but I did not. First of all, there is an information gap between him and me, so every decision I made was because I was deprived of the opportunity to get to some essential facts : he will use my XXXX account to scam me with his technology. Also, I gave him my XXXX account information because he needed to check that I did have a payment method. Thus, I request Chase Bank to reverse this transaction. The fact that they failed to do so is an action of neglecting customer rights. 

This transaction was made to the XXXX account with the name XXXX XXXX, which may not be his real name. The XXXX account the transfer went to is XXXX. Please help me get my money back. Also, I think he is an experienced scammer because he used different names on different social media. Please help avoid these scams from happening in the future.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (FL)

I was granted Guardianship of my father XXXX XXXX XXXX. I took the paperwork to the bank 2 times and they are not obeying the court orders. They are not giving me access to his bank account to pay his bills. 

KeyBank is also in violation of federal law that states government benefits such as checks from the Department of Veterans Affairs and Social Security is only suppose to benefit the person that the check is made out to. 

At this time my father benefit checks is only benefiting KeyBank. They are making profits off my father Department of Veterans Affairs checks by making loans and mortgages and not allowing me to pay my father debts.

Department of Veterans affairs and Social Security is the only two agencies that was funding my father checking and saving accounts.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services (NC)

My XXXX XXXX was in a vehicular accident in XX/XX/2022 and was totaled by another driver. After the appraisal, I was told that I didnt have GAP coverage. I refinanced the vehicle a year prior and dont recall not applying for Gap. I understand the importance of having it and wouldnt go without it. Now I am being told that I owe Gap and no one at the company could show me where I opted out of it during the refinance.

Truth In Lending was not disclosed as far as the finance charge and Gap coverage were concerned. The car accident was not rectified at all. Due to the accident, my credit has steeply declined from a XXXX down to a XXXX. Due to being desperate to get my kids around I had to enter into additional loans that continue to hinder me from my pursuit of happiness as well as no longer being considered for a home. Had the Gap coverage been in the contract in place of the finance charge this would not be a issue. Due to this accident I have been declined additional credit to rectify my situation. 
After the accident, I applied to get my loan extended so that I may purchase another car under the company since the at fault drivers insurance was going to pay my loan off. My credit was denied multiple times. 

I have my contract from the refinance and can submit it later if needed.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear Sirs, I have a problem with 3 credit cards Bank of America with credit cards as two cards and a Discover card too. and I told my girlfriend will pay back my credit card payment and it was a bounce and fake lie to me. I was shocked. I would not pay for it. How could you fix to solve this right away?
Consumer complaint received 2023-06-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MO)

I got very sick with a XXXX XXXX and could no longer and then XXXX happened. Our funds were becoming very tight and our mortgage company offered a Forbearance, and said at the end of the Forbearance the amounts missed would go back into the loan and we would start our payments back up. Every time it was time for the Forbearance to end and payments to start up and I would ask about it, they continued to send me a loan modification packet and would continue my Forbearance. For the past year they have said that my Forbearance limit has been maxed, and thats completely fine but I have begged for my loan to be set back up on the payments as stated in the beginning but they have still continued sending a modification packet that says I dont qualify for a modification. Im not trying to get a modification Ive asked for a year for my payments to be set back up and an exit from the Forbearance as stated would happen. Now they are either Foreclosing XX/XX/XXXX, I have to pay a lump sum of {$18000.00}, or file bankruptcy to keep my home. Weve lived in our home for 20 years I cant lose my home. 
Our states attorney general is helping and she did get it reversed about 45 days ago and closed everything out and they started again. I just need our loan exited from the Forbearance so payments can resume back on track.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XX/XX/year> My name is XXXX XXXX owner of Cleaning and XXXX XXXX XXXX XXXX, XXXX XXXX This is my fourth Complaint to Equifax, commercial Solutions Im reporting Equifax, commercial Solutions XXXX XXXX XXXX, XXXX XXXX  This complaint is in reference to my Business credit file. 

Im requesting Consumer Financial Protection Bureau an urgent investigation to Equifax, commercial Solutions XXXX XXXX XXXX, XXXX XXXX  for solution. 

Equifax has not provided the requested letter Equifax explanation lacked, Equifax has not shown the requested proof uncomplying Referring to account number XXXX deleted from my Business credit file, Equifax has not mailed me To my XXXX XXXX and XXXX XXXX XXXX XXXX file updated with account number XXXX deleted. to Cleaning and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Therefore XXXX requesting through Consumer Financial Protection Bureau to Equifax commercial Solutions XXXX XXXX XXXX, XXXX GA to provide me with letter of account number XXXX deleted from my Business Credit File without delay Equifax has failed to provide me with my XXXX XXXX and XXXX XXXX XXXX XXXX file updated with account number XXXX deleted and has failed to provide me with deletion letter As Equifax claimed on companys response to Consumer Financial Protection Bureau dated XX/XX/year> See attached Neglecting same and misleading the Consumer Financial Protection Bureau office Without showing prove of account number XXXX deleted Im informing to Consumer Financial Protection Bureau through this complaint Equifax commercial Solutions XXXX XXXX XXXX, XXXX GA for lying to consumer There I no need to delay and take more time to this complaint and to provide me with The requested material on timely manner I look forward for your cooperation. 

Thank you XXXX XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (TX)

This account is not accurate and is only reporting on one of the credit agencies. according to 15 USC 1681 e ( b ) ( 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. I have reached out numerous of times since XX/XX/2022 and have yet to get this matter resolved.This inaccurate reporting has been a defamation of character and made me uncredit-worthy.
Consumer complaint received 2022-12-03
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-12
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. (WV)

I have sent proof of credit inquiries that are not mine to the credit bureaus multiple times, I have called them multiple times and spent hours speaking with them. I have sent ftc reports as well. I just spoke with the ftc and filed a new report with all inquiries that are fraud on my credit report and will be submitting it here to try to resolve this for the third time. I want this takin care of asap.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/year> the loan with XXXX XXXX was paid off, It show accurate on XXXX but incorrectly on Equifax and XXXX. I have been requesting it to be updated numerous times and still has not. I want it now deleted from all credit bureaus.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (NY)

On XX/XX/, at XXXX XXXX XXXX I returned a call to Credit Management phone number XXXX in which I was informed that she was attempting to collect a debt for Spectrum in the amount of XXXX and some change for an address I told her that I never lived at. The representative 's name was XXXX XXXX, asked her to provide Verification of debt as per fdcpa I have the right to request any paper trail on this debt in which she denied to do so and told me that because it is fraud that she can not mail me anything. i requested a manager or supervisor in which I then was placed on hold and never transferred per my request. I then was directed to the website to fill out a form to " cease communication '' but that still doesn't allow me to request any paperwork on this matter.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-12-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (GA)

Hello, My is XXXX XXXX, I've tried numerous times to get a supervisor/manager on the phone to ask about my payment. Every time I call it's someone that doesn't speak go XXXX so they don't understand what I'm saying or keep repeating the same thing. This is very frustrating when I need to talk to someone about additional fees on my account. I have been suffering from XXXX with other to my already compromised immune system. This company isn't fair to us consumers and they don't listen or help. The amount that's in is being questioned is {$400.00}.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

My world finance account sold my account to a third party 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization Account number XXXX
Consumer complaint received 2022-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, l certify that l am permitted by FEDERAL and STATE LAW to fle this dispute also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U S C 1001 Additionally these misstatements are punishable as perjury under 18 U.S C 1621 This colle ction found within my credit report are nol relaled to any transaction that made / am eleging that a person or company - without my authorization- used my personal identifying information to apply for goods, services. or money and was successful in creating some accounts all are being investigated by the FTC