davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC. (FL)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (VA)

Credit acceptance has been unethical and deliberately alienated the credit bureaus to believe that I owe false debt. XXXX XXXX and XXXX are in violation of 15 USC 1681 2 ( B ). Reporting without my consent. Notice of violation XXXX XXXX
Consumer complaint received 2024-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Mohela sends me false status notifications of my loan on a near monthly basis. They also did not put one of my loans on deferment after my in school loan deferment was approved, and I had to engage in a lengthy process to just speak with them, after which they said it was an error on their part. Every few weeks I get an email that my loan is due or that its now been placed on forbearance, but on my account nothing is changed. I dont understand how they continue to function,
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX 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 seven 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 2024-07-16
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

They said they needed to verify my identity and i needed to send them months of copies of my bank statements and XXXX years of my taxes.. I have had this card for over 10 years, never late payment, my credit score is XXXX plus. They confirmed it had nothing to do with that. I told them that I was not comfortable sending this to them with so many employees to see my personal banking and SS information and they said if I didn't send it they would cancel my card and urged me to cancel my card so it wouldn't hurt my credit as bad, I asked my sons who are police investigators and they said this had to be a scam. my card is to be cancelled XX/XX/XXXX, ,I can not make charges, they stopped that after I called but I was able to pay my balance. Why are they doing this and what do I do?
Consumer complaint received 2022-11-23
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. (TX)

Despite my numerous attempts to fix my credit file by removing the fake accounts and information from my credit report, the Credit Bureaus have been completely ineffective! My credit report contains a significant number of unauthorized requests, as well as some incorrect account and information reporting. Someone has stolen my identity, and I know it. As a result, I filed a formal complaint with the FTC under File Number XXXX. I have included that report in this complaint in line with FCRA Section 605B ( 15 U.S.C. 1681c-2 ). Please erase these items from my credit report as quickly as possible to ensure that I am in compliance with the law ( i.e., 4 days ). Please let me know if there is anything else I can do for you. I need you to fully erase the following items from my credit file : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX XXXXXXXX Balance Owed : {$100.00}. You have also failed to send me copies of proof of ownership verification, despite continuing to report these items, which is a clear violation of my consumer rights. You should have eliminated these things if you are unable to supply these papers.
Consumer complaint received 2024-01-18
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. (CA)

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XXXX Please remove it from my credit report.
Consumer complaint received 2024-05-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NY)

A Vanilla Visa Gift Card in the amount of {$200.00} was purchased by a family member on XX/XX/2023 and given to me as a gift. I attempted to use the gift card a few times over the next couple months but it was always declined. I checked the balance on the Visa website and noticed a couple of days after the gift card was purchased by my family member a fraudulent transaction was charged against the gift card for the full {$200.00}. 
On XX/XX/2023 I filed a fraud report with Vanilla/InComm , the issuer. I sent a picture of the gift card along with the purchase receipt as they requested. On XX/XX/2023 Vanilla/InComm acknowledged receipt and advised it may take up to 30 days for a response.

After 30 days I had called Vanilla/InComm customer service with my case number XXXX and asked for an update. The representative advised a replacement card will be sent out due to the fraudulent transaction but may take 90 days to be processed.

I waited the full 90 days and did not receive a replacement card. I called Vanilla/InComm provided my case number and requested an update. The representative confirmed my name and address and apologized for the delay and said she escalated the request and the replacement card will be sent in the next few business days.

I waited another few weeks and called Vanilla/InComm again , providing my case number, the representative said he escalated the request to another department and to call back in 48 hours. I requested information to be e-mailed to me regarding the case and he declined. I advised the representative the issue has already been escalated and I want the status at this time. The representative declined and said to call back in 48 hours. I advised I will be filing a formal complaint at this time.
Consumer complaint received 2023-08-29
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)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2024-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (NV)

Complaint Details : XXXX. Flood Insurance Policy Purchase : On XX/XX/XXXX, Chase Bank purchased a flood insurance policy that is double the cost of my homeowner policy, covering my home for {$150000.00}, which is less than the previously insured {$170000.00} and Chase 's own appraisal value of {$170000.00}. This action was taken almost XXXX weeks after I communicated my concerns via email, which Chase ignored. 

XXXX. Escrow Mismanagement : Chase Bank has been playing escrow games with me since taking over my mortgage, leading to increased costs and financial stress. Despite providing documentation and timely communication, Chase failed to act on my requests and transferred the policy without proper notice. 

XXXX. Breach of Fiduciary Duty : By not reinstating my original policy and forcing me into a more expensive, less beneficial policy, Chase has breached its fiduciary duty. This includes refusing to obtain the policy page from the insurer to make payment, despite my immediate response to their notice. 

XXXX. Lack of Communication and Transparency : Communication ceased after my request to reinstate the original policy. Chase failed to inform me of their actions, resulting in unexpected changes to my account and increased monthly payments from under {$850.00} to over {$1000.00}. 

XXXX. Financial Hardship : I have communicated my extreme financial hardship to Chase on multiple occasions. However, Chase has continued to increase my financial burden, pushing me further into insolvency instead of providing assistance. My mortgage payment increases have caused significant distress, particularly while dealing with personal family matters, including the death of my brother and the care of my fragile parents. 

XXXX. Negligence and Potential Racketeering : The process Chase has followed reeks of racketeering against borrowers. Expecting me to handle communication and get back to them rather than contacting my existing flood insurance directly defeats the purpose of escrow. It seems Chase may have a partnership with the flood insurance company they switched me to without my consent.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXXXXXX 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 seven 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 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have mailed and completed online disputes on my credit report for the following debtors : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have requested to receive documents that have my wet signature that I entered into a contract with, and never received documents. Account with XXXX XXXX has been paid in full and have no late-payments and the company has been reporting incorrectly for the past year. I have submitted and emailed reps at XXXX with proof that the car was paid with a trade in purchase from XXXX. XXXX XXXX is an issue of identify theft and have reported to proper channels this debt has been removed from XXXX and Transunion but yet remain on my report. The other accounts listed I have no knowledge of and are identity theft because I have no knowledge and have made no dealings with these companies
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Refer to the attached documents. I am formally requesting the bureau to begin an investigation into these accounts, as they erroneously indicate late payments, which is not reflective of my payment history.
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (CA)

I disputed incorrect information on my report and the company did not remove it. These accounts are not mines. I demand that the following accounts by removed. This is affecting my creditworthiness, Ive disputed these accounts and they should be removed immediately. 

XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX  XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$7900.00} 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AZ)

I had an account with citibank i mobile deposited a check that i get for my daughter XXXX ( Ssi check ) they closed my account since my daughter wasnt on my account they said there was fraudulent activity so they kept the funds and dont want to release it and not only that i live in arizona so there isn't a branch here in XXXX so they said the only option i have is to travel 6hours i dont have transportation first of all i have all supporting documents that i am my daughters representative payee and the social security award letter and the check is also under my name its been passed 2 months and they dont want to help me and i dont know what else to do. Also i dont have my account number because they would send my statements to my online banking which i can't access since they closed my account and they didnt want to provide it to me or mail me a statement aswell
Consumer complaint received 2023-10-20
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. (TX)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (KY)

I got a copy of my credit report and I noticed that this consumer reporting agency is reporting transactions on my consumer report. It is a violation of the Privacy Act of 1974, the Fair Credit Reporting Act and Family Education Rights and Privacy Act. I have reached out to the credit reporting agency and NELNET they have not responded. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions are to be excluded from my consumer report. In accordance with Federal Law I want this matter rectified. Thank you
Consumer complaint received 2024-01-18
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. (CA)

The Department of Education and XXXX have violated my privacy rights per the Family and Educational Rights per the Family and Educational Privacy Act of 1974. When I received my school money, I signed a privacy Act form that said the Educational department would not provide transaction history to ANY third-party companies. They violated my rights by providing information to the three credit bureaus : XXXX, Equifax, and XXXX  Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.