davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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. (CA)

VIOLATION OF Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) NELNET IS IMPROPERLY using my private data to allege debts, and damage me with non-affilated third parties for unpermissible purposes Per : 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency )
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (OH)

I contacted the company on XX/XX/2024, regarding an alleged debt that has been furnished to XXXX XXXX, XXXX, and XXXX, which is damaging my creditworthiness, general character, and reputation. I never gave any expressed written consent to the company to obtain, compile, store, share, or distribute my personal private information. I have sent a notice and demand for Debt Validation pursuant to Fair Debt Collections Practices Act. Unfortunately, I have not received any correspondence by US Mail. The company is in default and has failed to respond.
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (NV)

Back on XX/XX/XXXX I contacted Conns XXXX XXXX regarding the balance of my account. XXXX ( XXXX XXXX stated I missed a payment back on XX/XX/XXXX. Therefore, the promotional was voided. I supplied bank statements to prove payment. After multiple phone calls and emails as of today this matter has not been rectify. Therefore, I'm paying more than what the agreement stated. I reached out again via email on XX/XX/XXXX ; XXXX and today. No response, I called and spoke with manager ( XXXX ID # XXXX ) she stated she will submit escalation ticket to review ( Ticket # XXXX ). They have told me this multiple times with no resolution. They are ripping me off and this is unacceptable. The documentation I have I'm unable to attached as it is personal information. If Conn 's XXXX XXXX neglect to rectify this issue I will seek legal action!
Consumer complaint received 2024-02-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America XXXX XXXX XXXX XXXX Regarding Bank of America CC : Account was paid in full on XX/XX/year> to XXXX XXXX XXXX XXXX and we have received a letter from the agency indicating it has been paid in full. 

B of A will not issue a letter indicating the account is paid in full, stating they have not received the information indicating it has been paid. 

B of A has stated that their records indicate we have paid the amount due and to whom but still won't issue letter of paid, stating that it has not been cleared thru legal and they have to wait 28 days. 

I have spoken to 10 different people, and they all tell me something different. This situation is affecting the underwriting on a new home loan and I need assistance with B of A immediately.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NJ)

I was trying to open an checking account with Wells Fargo I currently have no issues with them as of in now they sent me a rejection letter stating that I should check my credit report which I did and It has nothing on it that is suspicious on it that should raise a red flag on all of my reports I also check XXXX XXXX I have no bad checking accounts on file with them I had or any other banks. I had checking account with them in the past when I closed it was in great standing also as far as I'm concerned when applying for a checking account they should not be checking my report I did not volunteer that for that especially if it is checking account that is unethical business practices they can't even gave me a clear reason as in why my checking account application can't not be approved.
Consumer complaint received 2023-04-30
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 
By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have contacted XXXX  about the inaccurate information on my credit report. I have sent updated information based on my XXXX XXXX  bankruptcy and informed them that y credit states I'm delinquent on accounts all the way back to 2008. These derogatory marks on my credit report are affecting my credit report and homeownership.
Consumer complaint received 2024-02-20
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: SANTANDER HOLDINGS USA, INC. (PA)

i dont recognize none of the hard inquiry on my credit. i didnt authorize them XXXX XXXX XXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-14
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. (NY)

To Whom it May Concern, I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$1900.00} 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 Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION It also states a consumer reporting agency can not furnish a account without my written instructions Sincerely, XXXX XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I requested proof of validation of debt from XXXX XXXX ; XXXX. They were unable to prove validation of debt. They have also stated that they will cease collection and ask the reporting agencies to remove the trade lines. I contacted the credit bureaus, and they refused to remove the trades lines. 
The credit reporting agencies that refused to remove the tray lines are Equifax and XXXX. 
Although I received a letter from the credit ( XXXX XXXX ) and provided this to both bureaus. They refuse to remove the trade lines off my report.
Consumer complaint received 2024-01-09
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-24
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. (MI)

I am a victim of XXXX  XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX {$250.00} XX/XX/2017 update to never late XXXX {$330.00} XXXX update to never late XXXX XXXX  {$510.00} XXXX update to never late XXXX  XXXX {$4300.00} XXXX to never late XXXX {$0.00} XXXX remove acct XXXX XXXX {$1000.00} XXXX remove acct XXXX XXXX  XXXX {$700.00} XXXX to never late XXXX  {$0.00} XXXX remove acct XXXX  {$0.00} XXXX XXXX acct XXXX XXXX {$0.00} XXXX update to never late XXXX XXXX {$800.00} XXXX remove acct XXXX XXXX {$1300.00} XXXX XXXX acct US Bankruptcy {$0.00} XXXX remove acct XXXX XXXX XXXXXXXX remove inquiry XXXX XXXX XXXX remove inquiry Experian XXXX XXXX  XXXX remove inquiry XXXX XXXX XXXX XXXXXXXX XXXX inquiry XXXX XXXX XXXXXXXX remove inquiry
Consumer complaint received 2024-01-08
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: EQUIFAX, INC. (TX)

There is a collection account on my credit report from XXXX XXXX XXXX which lists XXXX XXXX  as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. It is also important to note that the account number on my credit report is not an accurate account number further violating FCRA regulations. I will need to see the original contract bearing my signature because my information was compromised in the Equifax data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX XXXX. Also provide me with the 1099 form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the Equifax data breach claim when I have already provided my claim number, then please contact the collection agency and Equifax, and have them remove this account due to inaccurate reporting. If this information is not removed within 30 days, XXXX XXXX  has the possibility of being taken to small claims court per violation of the FCRA regulations.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WI)

On XX/XX/XXXX I tried to move a small sum from my Citibank savings to my Citibank checking/debit account. It would not allow me to do that. After many attempts I finally spoke to a representative. That representative informed me that my account was inactive ( there is over $ XXXX in the account, it has received monthly interest payments, but I haven't moved any money from the account because it was put there based on an incentive that was offered by Citibank for an additional percentage of air miles tied to my Citi credit card through XXXX XXXX. They stated I could visit a branch to get the account activated or submit a letter to their XXXX XXXX XXXX XXXX. Given the nearest branch is nearly XXXX hours away - I submitted the letter with the specific information they asked me to include. They informed me that the account would be activated within 48 hours after receipt of the letter. I submitted the letter via priority mail through the United States Postal Service on XXXX. Based on the tracking information, which was provided to Citibank numerous times, the letter was delivered on XXXX at XXXX to the mail room. I followed up the next day to be sure they had received and customer service said that they didn't see any update from the back office but that it normally takes 48 hours. I waited until XX/XX/XXXX to follow up again, since the account was still inactive. The supervisor ( XXXX ) told me they had nothing from the back office so she would send a request for response. I then waited 72 hours and called back on XX/XX/XXXX since nothing was resolved and the account was inactive. I was told by the supervisor ( XXXX ) the they had not received a response from the back office, so he said he would send another request for update. He also told me he would have a manager contact me in XXXX hours. I heard nothing from them. I followed up again on XX/XX/XXXX and spoke with the supervisor ( XXXX XXXX who said the office was closed for XXXXXXXX XXXX XXXXXXXX XXXX and to call back on XX/XX/XXXX. I called back on XX/XX/XXXX and spoke with the supervisor ( XXXX ) who told me they had heard nothing back from the back office. She said she would send another request. I asked her to get someone from the back office on the phone so we cold resolve in a three way conversation. She informed me that the back office did not take calls. I told her I wanted to talk with a manager and she said they don't take calls that those had to be scheduled and that a manager would call me in 24-28 hours. I told her that I didn't get a call the last time that was promised. She said that was all she could do. So now we are XXXX past the initial attempt to transfer money and Citibank has and is not showing any attempt to allow me access to funds that belong to me. The tracking number from the USPS is XXXX.
Consumer complaint received 2024-02-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I have XXXX left on my Am-Ex pre-paid gift card. I have tried to use the card multiple times for purchases under XXXX dollars. At all vendors it has been declined. This happened at XXXX XXXX yesterday in XXXX, NY for XXXX dollars and today while trying to purchase shoes at XXXX XXXX for XXXX dollars. I've done research and it seems like this is a widespread problem and therefore a scam, because I have funds here that I can not access. I have used this card in the past at restaurants so I'm not sure why this is happening.
Consumer complaint received 2024-01-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my 2 checking accounts on XXXX, and saying remaining funds will be sent to me via mailing check. It's been 1+ month and I've tried contact several customer representatives and no one can provide useful information & help. The remaining balance are all I have at the time being closed and this hold on my funds is extremely affecting my life since then.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (SC)

This negative collection account by Debt Recovery Solutions was reported to the credit bureaus, and added to my credit report of XX/XX/year>. I have NO KNOWLEDGE of this debt, and have never personally had an account with Debt Recovery Solutions. 

I also search up on the XXXX  website to verify if this company is legally licensed to collect any debts for the state of South Carolina, where I reside as a resident and they do not. 

Any attempts that DRS is making to collect on a debt within South Carolina would be considered illegal due to no license. This is fraud.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (WI)

Discrepancies exist between awards accounting in the mobile app compared to the online system. The mobile app shows returns as a negative number. Online shows returns as a positive number yet the result in both systems is the same. It appears from the conversations I had with the bank that they don't care ( quoted from customer service rep ) that the mobile app acoounting is incorrect. I find it unacceptable that a bank does not care if accounting is incorrect.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MO)

I have been slowly building my credit score using credit cards and. Discover, one month before they were suppose release my security deposit they close my account, give me no reason, refuse to send out reason, and all I get is it was just business. I am very upset that this would happen
Consumer complaint received 2023-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (PA)

A collections account in the amount of {$12000.00} was put on my credit report. I contacted spring oaks capital LLC on XX/XX/2023 to attempt to set up a payment plan for this debt through email. They expressed they would pay for delete if I paid {$9200.00}. I discovered this debt is not mine as the previous company has already written this debt off as a loss and marked this on my credit report. Therefore, this debt has been settled.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
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.
Consumer complaint received 2023-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Consumer has notified previously of dispute and TRANSUNION is still in violation and reporting fraud on consumer report. The company XXXX XXXX XXXX XXXX is involved with identity theft account and consumer request for immediate removal of account listed as XXXX XXXX XXXX XXXX. XXXX : # XXXX, XXXX, XXXX, XXXX, and all other accounts XXXX may or may not have alleging debt owed using consumer private information.