davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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: Self Financial Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear SELF/XXXX, I am writing to address the unauthorized reporting of information to my credit report, which is a blatant violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws as per Missouri statutes, including Sections 570.223 and 407.020 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that SELF/XXXX  has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Specifically, Section 570.223 of the Missouri Revised Statutes outlines the unlawful use of personal information, which includes unauthorized access and reporting of credit information. Section 407.020 of the Missouri Revised Statutes further prohibits deceptive and unfair practices in trade and commerce, which encompass unauthorized credit reporting activities. 

I assert with unwavering certainty that I have not provided consent for SELF/XXXX  to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand that SELF/XXXX  immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 570.223 and 407.020 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud statutes. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SELF/XXXX  will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CMRE Financial Services, Inc. (CA)

I am disputing your claim because I have no knowledge of any account or transaction with " CMRE FINANCIAL SERVICES, INC. '' The account number you mentioned is unfamiliar to me. You have not provided any information or documentation proving the existence of such an account, beyond your initial letter, which is insufficient. I do not recall entering into any valid contract involving this account and believe none exists. Additionally, I was a victim of identity theft, and I suspect the account in question was opened fraudulently. Unless you can provide verification of a valid contract between myself and CMRE FINANCIAL SERVICES , INC . I request that you stop sending me misleading and unwanted correspondence. If you continue with this claim, I am legally entitled to demand validation of your claim per UCC 3-501 ( b ), to verify the existence of an account that legally or financially obligates me to you.
Consumer complaint received 2024-09-27
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. (FL)

XXXX VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request [ Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
Identify item ( s ) resulting from XXXX  that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). It may also be helpful to include dates and account numbers. ] Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need everything token off of my credit report because it wasnt me. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PNC Bank N.A. (FL)

PNC Bank is not reporting my loan information accurately or fairly monthly to the credit bureaus. I took out a small personal loan of {$2500.00} on XX/XX/23 and my payment due date began the following month on the XXXX of every month. I made a payment early at the end of XXXX the same month I took out the loan and PNC Bank reported my balance not after my due date of the XXXX at the end of the month - reporting the balance to the bureaus well before my XXXX due date, reporting to the bureaus on the XXXX, XXXX, and XXXX of the month after all the interest has re-accrued for the month and before my payment due date on the XXXX. What it does is make my balance appear more than it is and it does not include my payment. Latest example, on the early morning of XX/XX/23, I paid XXXX Bank {$230.00}. My required monthly payment is {$100.00} on the XXXX. They reported to XXXX on XX/XX/23 that my balance was {$2000.00} when I had made a payment early on XX/XX/23 of {$230.00} bringing the balance to {$1800.00}. That harms my XXXX XXXX and is unfair and inaccurate in reporting. I filed a complaint and asked PNC to report to the bureaus shortly after my due date ( normally a few days afterward ) before the nearly XXXX weeks of interest reaccrues by the time they report on the XXXX, XXXX or XXXX. Dates matter, just as my payment due date matters in accurate reporting. PNC only gathered information to say they will not alter the reporting dates. This adds insult to injury because my XXXX XXXX was XXXX with a Very Good rating, yet the unjust interest rate they charged me was 30 %. Now they are reporting prematurely and unfairly. I am requesting help in resolving this matter.
Consumer complaint received 2024-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-05-30
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: ACIMA CREDIT, LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, Missouri Laws Dear ACIMA DIGITAL FKA SIMP, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Section 570.223. 

It has unequivocally come to my attention that ACIMA DIGITAL FKA SIMP has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Missouri Revised Statutes Section 570.223, emphasizes the severity of unauthorized access and misuse of personal information. Identity theft and fraud are considered serious offenses, and unauthorized credit reporting falls squarely within this framework.

I assert with unwavering certainty that I have not provided consent for ACIMA DIGITAL FKA SIMP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that ACIMA DIGITAL FKA SIMP immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri Revised Statutes Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that ACIMA DIGITAL FKA SIMP will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-16
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. (PA)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I received multiple account notifications from the Nelnet website on XX/XX/XXXX that I was due to recertify by XX/XX/XXXX. I submitted a recertification application on StudentAid.gov on XX/XX/XXXX which was approved on XX/XX/XXXX. As a result, my payments increased from XXXX XXXX to XXXX XXXX. I received an account notification from Nelnet on XX/XX/XXXX that stated that my iXXXX XXXX ( XXXX ) plan recertification date had been extended as requested by the U.S. Department of Education . It further stated that the soonest a borrower will need to recertify is for borrowers with an XXXX  recertification date in XX/XX/XXXX. The Nelnet team indicated that they received notice of the XXXX recertification extension date from the U.S. Department of Education on XX/XX/XXXX. Therefore, Nelnet was aware that I was not due to recertify until XX/XX/XXXX at the earliest based on the extension. My recertification application should not have been processed on XX/XX/XXXX as I was not yet due to recertify based on the extension date provided by the U.S. Department of Education. 

The StudentAid.gov website states that the deadline to recertify an XXXX plan has been extended to XXXX XXXX, XXXX. It further states that if you had a XX/XX/XXXX recertification date, and you submitted a recertification and your payment went up, that they will revert your payment to its previous monthly amount until the new recertification deadline. I submitted a formal request to Nelnet via email on XX/XX/XXXX to have my monthly payment amount reverted to the original payment amount prior to XX/XX/XXXX. I received a response from Nelnet employee ( XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX stating that their records indicated that I recertified my XXXX XXXX XXXX  ( XXXX ) Plan prior to my recertification date being extended and that came with a payment increase. The email further stated that they were working on canceling the recertification and extending my prior XXXX plan and that they would apply an administrative forbearance in XX/XX/XXXX. 

However, I called Nelnet on XX/XX/XXXX and spoke with XXXX ( XXXX XXXX XXXX ) and supervisor XXXX ( XXXX XXXX XXXX ) who stated that the information Nelnet provided via email on XX/XX/XXXX was an error and that they would not honor the statements in the email. These practices also do not align with the Department of Education 's website which states that if a borrower recertified and their payment increased then they will return the account to the borrower 's previous monthly payment amount until their new recertification deadline. Nelnet is now unwilling to follow through with the corrections they stated they would make. Therefore, I am filing this complaint. I am requesting that Nelnet honor the corrections they stated they would make to my account via our email correspondence on XX/XX/XXXX. I appreciate your investigation into this matter.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I then filled out and submitted unauthorized ACH return forms for the transactions and any future attempts.I was told that a stop payment would be placed and I would incur additional charges. I shared with the BOA representative That I had contacted the Company in regards to them not following the terms of the lease and attempting to take money before its due date. The company did not respond as they indicated they would. I also told the representative that I had filed complaints with my state attorney general and the FTC about the company XXXX 's conduct
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

On or around XXXX PST on XX/XX/XXXX, I deposited XXXX $ into an atm located at the San Diego Credit Union for it to go into my checking account with XXXX XXXX XXXX. I contacted the employees inside and they told me to contact my bank to file a claim. I contacted my bank XXXX XXXX XXXX, and they told me to start the claim with San Deigo credit union. This went back and forth over the last few days with no resolution. Currently I am out XXXX $ of my money with no hope of getting back. Every time I try both banks just refer the other bank to me.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Management Systems Inc. (TX)

In response to Southern Management Systems , Inc. letter dated XX/XX/XXXX. The letter in reference to Account XXXX Client Name : XXXX XXXX XXXX XXXX XXXXXXXX  Current Balance : {$160.00} The information within the XXXX invoice dated XX/XX/XXXX is bogus and inaccurate. I have been working to resolve the issue with XXXX and now logged a complaint with the credit reporting compnay and CFPB. 

This false transaction that Southern Management Systems , Inc. continues to attempt to collect should be removed from my credit report immediately. 
Apparently, XXXX submitted a second incorrect invoice to me without properly informing Southern Management Systems , Inc. 

Vargos incorrect and second invoice is attached. 

Southern Management Systems , Inc should not be trying to collect a debt that is false and inaccurate. 

Please reference Consumer Financial Protection Bureau complaint XXXX dated XX/XX/XXXX.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (SC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

You never fixed my account. My balance is still over {$XXXX0}. The company owes me {$XXXX} for making the payment. You closed my complaint. Without fixing the problem.
Consumer complaint received 2018-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have an unverified account from XXXX XXXX XXXX a.k.a XXXX XXXX, XXXX. I have previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. XXXX XXXX XXXX has reported a collection on 2 credit reporting agencies on XX/XX/2018. I sent registered letters to XXXX XXXX XXXX requesting validation of debt for their account # XXXX to the address listed, on XX/XX/2018, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/2018 outlining erroneous statement of charges from the alleged account as debt validation. I have requested that XXXX XXXX XXXX, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If XXXX XXXX XXXX is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with XXXX XXXX XXXX.