davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
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. (PR)

I have information that I do not want on my report because it does not belong to me and it affects my credit too much. I want it to be reviewed and deleted. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (GA)

Contacted by a person say they are taking a legal lawsuit against me for Wachovia late fees from XXXX. They have contacted my brother who lives in XXXX and even my EX WIFE! ... with whom I divorced back in XXXX.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NY)

I am writing to formally address several violations of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts listed below have been mishandled : 1. XXXX XXXX - Account Number : # XXXX 2. XXXX XXXX Account Number : # XXXX 3. SBNASELFLNDR - Account Number : # XXXX 4. XXXX XXXX  - Account Number : # XXXX 5. XXXX - Account Number : # XXXX Upon reviewing my XXXX credit report on XX/XX/year>, I noticed several inaccuracies and incomplete entries. According to the Fair Credit Reporting Act ( FCRA ), when a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual ( 15 USC 1681e ( b ) ).

Furthermore, according to 15 USC 1681i ( 5 ), consumer reporting agencies are mandated to promptly delete or correct any information found to be inaccurate or incomplete after a reinvestigation. Specifically, they must : 1. Promptly delete the inaccurate or unverifiable information as appropriate based on the results of the reinvestigation.

2. Notify the furnisher of the information that the data has been modified or deleted from the consumers file.

Additionally, under 15 USC 1681s-2, furnishers are prohibited from providing information to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

I request that the necessary corrections be made to my credit report immediately, and that I be informed of the actions taken to resolve these issues.
Consumer complaint received 2024-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Upon review of my credit report, I noticed some hard inquires that I do not recognize. Within each credit bureau, there are technicalities and some on multiple occasions. 

XXXX : XXXX, XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX XXXX  dated XX/XX/XXXX and XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  I did not authorize these inquires. I believe I am a victim of fraud.
Consumer complaint received 2024-03-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY (GA)

Consumer has a right to privacy. XXXX XXXX XXXX, recently began contacting the consumer after " purchasing an alleged debt '' that consumer allegedly owed to TD BANK, NA. The debt collection agency was informed to cease and desist contacting Consumer. XXXX XXXX XXXX  received notice to cease and desist on XX/XX/2024 via certified USPS MAIL. Once previous contract with TD BANK, NA was severed which is the Consumer 's personal non-public information, any alleged contract became null and void. XXXX XXXX XXXX also accessed Consumer 's credit report without their written consent, authorization and/or permission which is a violation of the FCRA and FDCPA. XXXX XXXX XXXX  since accessing consumer 's personal information, should have been notified that TD BANK NA submitted cancellation of debt to the IRS, therefore any alleged debt has been discharged and forgiven. Consumer has suspicion of these two companies committing TAX, SECURITIES AND TRUST FRAUD, therefore Consumer will be submitting FORM 211 INFORMATION REFERRAL AND FORM 3949 TO THE IRS for any account held in consumers name and social security number with TD BANK, NA AND XXXX XXXX XXXX. CONSUMER HAS NO CONTRACT OR BUSINESS WITH TD BANK, NA. NOR XXXX XXXX XXXX  NOR ANY OF THEIR AFFILIATES. The FCRA, in 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), allows a consumer to recover any actual damages sustained by the consumer as a result of the [ violation ] or damages of not less than {$100.00} and not more than {$1000.00}. TD BANK, NA IS IN VIOLATION OF THE FCRA 15 USC 1681 FOR ADVERTISING AND SELLING CONSUEMR 'S PERSONAL NON PUBLIC INFORMATION. XXXX XXXX XXXX  IS IN VIOLATION OF THE FDCPA 15 USC 1692 A Consumer 's Right to Privacy. CONSUMER HAS COPY OF XXXX REPORT SHOWING THE DEBT COLLECTOR ACCESSING THEIR CREDIT REPORT WITHOUT CONSUMERS WRITTEN CONSENT. CONSUMER HAS PREVIOSULY OPTED OUT OF ANY PROMOTIONAL SHARING OR SELLING OF THEIR INFORMATION AND XXXXXXXX XXXX XXXX  HAS NO PERMISSABLE PURPISE TO ACCESS THIS CONSUMERS INFORMATION AND THEY AHVE BEEN NOTIFIED TO CEASE AND DESIST CONTACTING CONSUMER.
Consumer complaint received 2024-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

With the new BidenXXXX administration forgiveness plan ( after XXXX years of paying, loans start to be forgiven automatically ), I noticed the inception date on my loans indicated XXXX. I contacted Nelnet to inform them the date of inception was incorrect. The date they have on file is the date my loans were transferred TO XXXX ( Nelnet retained the loans when XXXX got out ) from XXXX, not the inception date. I received an email stating they would get back to me - nothing. I waited several weeks & after not hearing from Nelnet, I contacted them again on XX/XX/XXXX via email, providing proof from my credit reports showing XXXX had " closed '' the files and the inception date of the loans ( date opened XX/XX/XXXX ) and original loan amounts with XXXX, explaining the documents showed both the original inception date ( going back to XXXX ) and the original loan amounts... still received no reply. I gave it a couple more weeks and uploaded the same documents of XXXX closing the file and the inception dates of the loans and original loan amounts to my Nelnet account, with no reply still to date. 

I graduated in XXXX student loans. XXXX XXXX was the original lender. My loans were then transferred to XXXX who maintained them until XXXX in which they were transferred to XXXX. XXXX then transferred the loans to Nelnet. Prior to XXXX transferring the loans, XXXX told me I had 44 payments left. Nelnet disputed that amount, doubling the minimum payments to 64 payments, even back tracking saying my payments were based on the repayment option chosen so no time frame for payoff could be given. The credit report records show loans opened with Navient date back to XX/XX/XXXX ( these were provided to Nelnet ). The discretion of the inception date is causing me to pay extra on the loans and cause me to miss out on forgiveness.
Consumer complaint received 2024-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aspen National Financial, Inc. (CA)

Hello my name is XXXX XXXX XXXX I would like to file a complaint against XXXX XXXX XXXX XXXX Supervisor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX They sent my account to a collection agency called Aspen National letter was sent XXXX to a po box no longer valid my neighbor got my letter months ago @ an address I only lived for a year I called Aspen @ XXXX on XXXX spoke to XXXX XXXX he advised he was the collections manager gave him account # XXXX he advised past due fees where {$1900.00} this included {$1200.00} time share maintenance fees and {$360.00} their collections fees and the rest was late fees from the XXXX XXXX XXXX XXXX I asked him if late fees can be waived in order for me to bring this current, he said they dont waive any fees that would be up to XXXX XXXX I advised him I would call back. I e-mailed XXXX advised them of the situation if they could assist they replied to call XXXX XXXX spoke to XXXX advised of the situation she advised no fees would be waived I asked her do you are refusing to take any $ from me in order to bring this current and she said yes I asked for her supervisor she just said her and is XXXX you can just e-mail us then hung up. I also received and e-mail from XXXX XXXX owner services supervisor stating they would not waive any fees refusing to take any $ to bring this account current and just said to call the collections agency. XXXX XXXX has poor communication when it comes to its costumers when the maintenance fees are due I had to e-mail them to obtain a copy of the contract in order for me to get this info. I am willing to bring this account current but I need all late fees waived since I wasnt notified on time fans for me to prevent this account from going to collections.
Consumer complaint received 2024-04-19
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX I noticed a recurring charge of XXXX from XXXX but did not know what it was for. Contacted XXXX and no charge in my account was associated with the credit card. Called Barclays to investigate and close my account as I was advised it was the only way to stop the recurring charge, since XXXX could not identify its source. I was told the account will be closed. I declined to have another card as I do not use this account. 

In XX/XX/XXXX I receive an alert on XXXX that my credit score changed due to a late payment. As I look further into it, I see it is from Barclays. When I call I am told not only that the account which I requested to be closed is still open but continued with recurring charge and I am now delinquent in. No resolution was given in the past regarding fraud report and now my credit has been affected. I am told the account will be closed and investigated. I am not responsible for charge of {$17.00}. 

On XX/XX/XXXX I see an email that I now owe {$35.00} and receive another alert of credit score decreasing further from XXXX now XXXX because not only is account still open now I am being charged fees. 

I have made multiple attempts with Barclays to resolve issue and not only have I not received support I have been lied to and damaged my history.
Consumer complaint received 2024-08-01
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. (FL)

Unauthorized inquiries appeared on my credit report this morning, and Im unsure why. I routinely check my credit report, but this time, unexpected discrepancies were present. I refreshed my browser, hoping it was a technical glitch, but the inquiries remained. I request a thorough review of the documents Ive submitted to resolve this issue and alleviate my concerns.
Consumer complaint received 2024-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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: Experian Information Solutions Inc. (CA)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCF Intermediate Holdings LLC (TX)

Per the FCRA 15 USC 6802 ( b ) opt out is a provision of the Gramm-Leach-Bliley Act ( GLBA ) that requires financial institutions to give consumers the choice to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. The privacy act of 1974 violation.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

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 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 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AE)

I have been locked out of my online Chase account ( Chase Sapphire Reserve ) for over a week. On XX/XX/XXXX, I contacted Chase customer service, who told me I could not access my account because there was unusual activity on the account. As I do not have any other accounts with Chase, I was immediately concerned about potential fraudulent charges on the account but they did not flag any fraud alerts on my card and refused to provide any additional information about what the unusual activity was. On XX/XX/XXXX, they told me the account access issue should be resolved within XXXX business days. 

When I called back XX/XX/XXXX, they told me the account access issue should be resolved by the end of the week. When I called at the end of the week ( XX/XX/XXXX ), they informed me I have been locked out of the account indefinitely. 

Without access to my online account, I am unable to access bill payment options, my current account balance, and recent transactions, as well as the premium benefits for which the card requires a significant annual fee. While Chase has said I can call to check my balance, I find this proposed solution to be untenable and unacceptable, particularly as a consumer paying several XXXX dollars a year for a premium credit card. 

Thank you in advance for your assistance.
Consumer complaint received 2023-03-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grain Technology, Inc. (PA)

I took out a payday loan on my phone but when I tried to pay them back I wasnt able to get in the app nomore and I tried emailing and calling no response and its been damaging my credit for 2 years so far still havent been able to get in contact with them
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2024-02-07
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. (PA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-07
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. (ND)

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.

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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
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. (OR)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.