davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
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. (MD)

I asked each credit bureau for proof that the United States XXXX or I requested them to report a bankruptcy on my credit report. They never provided proof. I asked the court did they report bankruptcies on consumer 's credit. They said they do NOT ever request bankruptcies to be reported to the credit bureaus. 

The credit bureaus violated FCRA XXXX ( a ) ( XXXX ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit report file. The XXXX XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( a ) states they are required by federal law to verify through physical verification of the original signed consumer contract and or / judgement ( XXXX ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Consumer complaint received 2024-07-12
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Nelnet, Inc. (VA)

I am writing to file a complaint about my private student loans with Firstmark Services based on fraud and misrepresentation by my school, the XXXX XXXX XXXX XXXX, Online Division. I attended this school between the years of XXXX and XXXX. The principal balance on my private student loan is {$19000.00} with a XXXX % interest rate. 

I contacted Firstmark Services on XX/XX/XXXX to request the process for private student loan relief. On XX/XX/XXXX I received a response stating : " Unfortunately Loan Forgiveness for borrowers who attended the XXXX XXXX XXXX XXXX is only being offered for Federal Loans. As your loans with us are private we regret they are not eligible for the same forgiveness options. '' They did not provide a process for private student loan forgiveness. 

My school used the following fraudulent tactics : Aggressive and deceptive recruitment and advisory tactics that directed me to borrow private student loans to cover what federal student loans would not. 
Substantial misrepresentation of the average salaries of graduates. The only jobs I could find after graduating in XXXX paid far below the average, and this was also true of the second job I secured XXXX years later. 
Substantial Omission of Fact -- the XXXX XXXX factored in the salary of a world-famous tennis player when creating the average salary range to skew the results. 
The XXXX XXXX XXXX XXXX has since closed because of fraudulent practices Closure notifications in the media : XXXX XXXX : XXXX : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX As a result of the misconduct by the Art Institutes, I am paying thousands of dollars XXXX loans and compound interest. I was not able to find a job that paid the average salary promised during my recruitment, which caused me to go further into debt. My desire to attend a post-graduate program to further my career could also be affected. 

Additionally, the Federal Trade Commission 's " Holder Rule '' ( XXXX XXXX XXXX? XXXX ) says that student loans, including private student loans, can be canceled because of a school 's fraud and misconduct based on the school 's deceptive behavior and misconduct -- this includes the misleading tactics that the Art Institutes used to convince me to take out my private student loans.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/2024, I called Fifth Third to request they stop payment for a company that was previously drafting my checking account directly. The rep stated they could not guarantee stop payment and, if I chose to close my account, I needed to bring the balance to XXXX  ( it was about- {$15.00} at the time ). 

On XX/XX/2024, I went to a branch asking to close my account and was told call a rep to close it over the phone after I deposited the approx. {$15.00}. I deposited the approx. {$15.00} and called a rep to close the account. The rep refused to close the account and said to call back in 24 hours to do so. 

On XX/XX/2024, the company I requested a stop payment against drafted the account, and I was charged XXXX fees for the overdraft. I went to the same branch as before and was told by another rep that the account could have been closed over the phone the day before. Still, the bank was powerless to keep the account closed or prevent the company from drafting my account from further overdrafts because they had my account/routing information. 

I waited to see how " powerless '' the bank was. 

On XX/XX/2024, the bank ( on its own ) began reversing the overdrafts the company I asked to be blocked on XX/XX/2024 from doing. I went to the same branch, again, and asked that they reverse the overdraft amount and fees as they began doing on their own and was told they would not do so. They've since sent me a letter demanding the overdraft and fees.
Consumer complaint received 2019-06-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

PER FTC SECTION 609 & HIPP my right are be vitiated I ask the credit agency to verify these accounts are remove them from my credit report. I am a victim of identity theft also and the credit agency 's continue to validate my accounts as a normal dispute.
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland funding LLC also known as ( Midland Credit Management ) bought a debt from XXXX for debt of amount of {$1600.00} this debt was open fraudulently under a completely different name utilizing my social security number and date of birth. I have NEVER had a XXXX credit card. I contacted XXXX regarding this and they informed me that I needed to contact Midland Funding LLC also known as ( Midland credit Management ) who have since bought this account from XXXX and have since begun reporting this account as derogatory on all 3 of my credit bureaus FRAUDULENTLY in spite of the fact that my name does NOT match the name of the person who open this account. I contacted Midland funding LLC ( Midland Credit Management ) on XX/XX/19 and spoke to one of their management team Ms. XXXX and informed her that my social security number fraudulently used to open an account under a different presumed name that is not mines she stated that she wasnt sure how that was possible and that they needed to look into it and would contact me. I have yet to hear from them. In the meantime my credit is being affected by an account that does not belong to me that was open under a name that is not me. I have since disputed this with all 3 of the credit bureaus, filed this report with the CFPB and also filed a report with the FTC. What Midland funding ( Midland Credit Management ) is doing is FRAUD!!
Consumer complaint received 2024-06-23
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. (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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT SER : # XXXX, XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-07-12
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (FL)

Without cause, chase XXXX decreased my credit limit substantially, therefore negatively affecting my credit usage percentage, from under 30 % to 80 %. This hurts my XXXX credit score. I had {$7800.00} limit, they reduced it to {$2600.00}. My balance is {$2000.00}. I asked to increase it back and they rejected my request. I do not have any late payments at all.
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Received notice that they were given my information from my creditor. Have no proof of the debt when I told them I wanted it and disputed it online through a credit reporting agency. Got no response. I keep getting calls, multiple times per day. When I block, a new number calls. This is harassment and I intend to continue to dispute this debt, and want them to cease and desist any forms of contact until I have proof of debt, as well as only contact me via standard mail.
Consumer complaint received 2024-07-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Student Loan Solutions, LLC (AZ)

The company now servicing this loan is taking me to court for non-payment. A XXXX  XXXX bankruptcy was filed and XXXX in XXXX of XXXX. The loan amount far exceeded the tuition fees and was paid directly to me. This debt is XXXX XXXX XXXX and according to California State law where the loan is provisioned, has a time bar of 4 years to sue on written contracts.
Consumer complaint received 2023-11-08
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. (MO)

I have ( 4 ) inquiries on my credit report that I did not authorize. 

Company : XXXX XXXX XXXX via XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX  via XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX via XXXX XXXXXXXX XXXX Date : XX/XX/2023 Company : XXXX via XXXX Date : XX/XX/2023 I have filed an identity theft report on this.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Omega RMS, LLC (MN)

I have been called several times by the phone number XXXX and XXXX ( saying they are Omega RMS ) asking for payment to different credit unions which I have not heard of. These calls happened on XX/XX/year> and XX/XX/year>. They are saying that I owe about {$10000.00}. I have contacted these credit unions to ask if my name is in their systems at all and they all said no and warned me of fraud. Omega RMS has also mailed me several letters over the past few months asking for a payment by mail.
Consumer complaint received 2024-07-15
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: CITIBANK, N.A. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-15
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. (CA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( 4 ) that your Company never provided an adequate notice which Cleary & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer generated agreement.

According to 15 USC 1602 ( K ), the term adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood it meaning. Such notice may be give to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned sector, I couldn't understand is meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( 2 ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1802 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT XXXX XXXX XXXX ( XXXX ) XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you accept my request i will not escalate this matter to federal Court. In case you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 


Thank you for your attention to this matter. 
Sincerely, : XXXX : XXXX All Rights Reserved Without Prejudice
Consumer complaint received 2024-07-02
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. (AZ)

According to the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), consumer reporting agencies must handle their significant responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. XXXX, XXXX, and Experian are such agencies, and as a consumer, I have the right to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts that financial institutions have an ongoing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. I have reached out to all three agency in hopes they would correct there gross misconduct by violating my consumer rights. 

A furnisher of information to credit agencies, considered a financial institution under this title, must follow these guidelines. According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report with the written instructions of the consumer. Neither XXXX, Experian, or XXXX nor any furnisher of information to credit agencies has my consent to share this information, and any previous consent is revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about their right to opt-out. I was never informed of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) specifies that no consumer reporting agency may include adverse information in a report if it is more than seven years old, except for records of criminal convictions. The adverse item in question is being reported without my permission. Because of these laws being violated my personal information is not being used on the dark web and which case I am severely stressed out because the financial hardship that is being caused by this violation of my consumer rights.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

l regarding a list of inaccurate closed accounts here is the list 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 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, Al, XXXX SS # XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam, I am writing to formally dispute the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : Name : XXXX XXXX XXXX XXXX Account XXXX Date XXXX Balance {$1700.00} I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. Sincerely, XXXX XXXX
Consumer complaint received 2024-07-02
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. (AZ)

According to the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), consumer reporting agencies must handle their significant responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. XXXX, Transunion, and XXXX are such agencies, and as a consumer, I have the right to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts that financial institutions have an ongoing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. I have reached out to all three agency in hopes they would correct there gross misconduct by violating my consumer rights.

A furnisher of information to credit agencies, considered a financial institution under this title, must follow these guidelines. According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report with the written instructions of the consumer. Neither XXXX, XXXX, or TransUnion nor any furnisher of information to credit agencies has my consent to share this information, and any previous consent is revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about their right to opt-out. I was never informed of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) specifies that no consumer reporting agency may include adverse information in a report if it is more than seven years old, except for records of criminal convictions. The adverse item in question is being reported without my permission. Because of these laws being violated my personal information is not being used on the dark web and which case I am severely stressed out because the financial hardship that is being caused by this violation of my consumer rights.
Consumer complaint received 2019-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (CA)

The company suddenly moved my existing loan account to a new account without informing me. Due to this I was not able to pay some of the due amount earlier because I was not able to access the account for some period and had to pay extra interest for the month of XX/XX/2019. 

After several weeks of trying to reach them I was able to get access only at the end of XXXX. I was told to create a new account and that my loans were migrated to this account. This was done with zero notifications to me. Even when I finally gained access to this new account, I am missing all loan documentation which was there in the earlier account.. 

I have attached screenshots of multiple days when nothing showed up on my loan account, screenshot of a page from earlier in the year ( when loan details come up ) and loan document, which I had saved earlier in the year to establish my authenticity.
Consumer complaint received 2024-07-11
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: Incomm Holdings Inc. (CT)

Hello, I purchased this card on XX/XX/year> with a load amount of XXXX XXXX The card was opened on XX/XX/year> and found to have the numbers on the front of the card missing as well as a sticky substance on the back of the card on the magnetic strip. We called the XXXX XXXX customer service and he assured me my XXXX $ was safe and he would open a case. I received a notification today that they are unable to give me the money back. We were unable to even use the card. I would like to have my XXXX $ back.