davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA (TX)

In XXXX XXXX XXXX XXXX I received a letter in the mail that was called " Notice of filing of foreign judgement ''. stating that I had been sued in Delaware and a judgement was entered against me because " I failed to appear ''. I live in XXXX  ( although I used to live in XXXX  briefly long ago ). This judgement was imposed in XXXX  ( again I live in XXXX  ). 
The judgement amount is in the amount of {$7100.00} + costs. Additionally, they claim that service was issued to a " XXXX yr old Male, XXXX '' in hight, weighing XXXX, with XXXX  hair and XXXX XXXX ''. I am a XXXX old Male, XXXX '' in hight, weighing XXXX, XXXX XXXX and DO NOT wear any XXXX XXXX. I hired an attorney here in XXXX  upon receiving the above notice and explained I owed no debt to this bank. Nor did I live in XXXX  at the time of the judgement. He reached out to the Bank and the attorney representing the bank and was unable to obtain any proof that the debt was actually owed by me. They would only provide proof of judgement and again couldn't prove that the judgement was actually against me. They have since refused to speak with my attorney any further. My attorney has advised me to file this complaint with the FTC/CFPB as an identity theft complaint, as I have never done business with this bank, nor was I resident of XXXX  at the time of the law suit and do not owe anyone this claimed amount of money. Please investigate.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Inaccuracies, inaccurate reporting by the company XXXX. This is fraudulent doing on behalf of these two companies. 

XX/XX/year> Reference number : XXXX - XXXX - XXXX Source - XXXX Company - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2023-02-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

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 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 2024-05-17
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-05-17
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. (TX)

The reporting of the late payments from account XXXXXXXX XXXX # XXXX Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. The PAYMENTS ON THIS ACCOUNT WERE NEVER LATE! AS ITS ILLEGAL TO REPORT ANY TIMIMG OF PAYMENTS THAT INCURRING ON FINANCE CHARGES. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1666b. Which also allowed the credit agencies TRANS UNION, XXXX, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Consumer complaint received 2024-04-18
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (TX)

Last reported XXXX for {$17000.00} If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Consumer complaint received 2024-08-16
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.

SYNCB/ROOMS TO GO 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 2024-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my prior multiple attempts to address this issue, the incorrect opening dates remain unresolved. The incorrect opening dates listed for my accounts have caused significant inconvenience and potentially impacted my financial standing. It is imperative that these discrepancies are corrected immediately. To support my claim, I have attached all relevant documentation once again, including proof of the correct opening dates and any other supporting materials. 

Given the seriousness of this matter, I urgently request that your team take the following actions : Immediately correct the opening dates on my accounts to reflect the accurate dates. 
Provide a detailed explanation of the steps taken to resolve this issue and prevent similar occurrences in the future. 
Confirm in writing that the corrections have been made to my accounts. 
I understand that resolving such matters can be complex, but the prolonged delay in addressing these inaccuracies is unacceptable. Please provide regular updates on the progress of this issue until it is fully resolved. With this, I am asking for your assistance to correct the accounts : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$35000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00}.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-04-12
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. (NJ)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of please investigate and provide proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thank!
Consumer complaint received 2024-05-17
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. (NM)

I want to emphasize that it's illegal to make threats of legal action without genuine intent to follow through. Therefore, please understand that I am fully committed to taking legal action against your company for failing to address the inaccuracies on my credit report despite numerous requests to do so. It's my understanding that under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and correct any erroneous information, yet you have consistently neglected to do so. 
The situation constitutes a clear violation of the FCRA, which outlines both remedies for consumers and penalties for non-compliance by reporting agencies and data furnishers. This letter serves as my final request for you to fulfill your obligations under the FCRA. If you fail to take appropriate action, I will have no choice but to pursue legal action against your company in my local jurisdiction. 

I value my credit integrity greatly, and your lack of professionalism and assistance is deeply disappointing. I am well-versed in my rights under the FCRA and am prepared to assert them to the fullest extent. I expect a prompt and comprehensive response from your end. 

XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-05-17
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a follow up complaint to you today to inform you regarding my case of being a victim of fraudulent activity. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

ON XX/XX/year> I RECIVED A CHECK FROM TITLE COMPANY AS A PART OF MY CLOSING PROCEEDS XXXX XXXXTHIS CHECK WAS FROM CHASE. I HAVE A CREDIT CARD WITH CHASE ACCOUNT. I DEPOSITED PROPERLY IN MY CREDIT CARD ACCOUNT. ON XX/XX/XXXX BANK RETUN THE CHECK WITH OUT CASHED. I WENT TO THE BANK AND REQUEST THE REASON. BANKER CALLED THE CREDIT CARD DEPARTMENT AND NO ONE HAS ABLE TO GIVE ANY EXPLANATION. I WASN'T ABLE TO REPLACE WITH ANOTHER CHECK BECAUSE THE CREDIT CARD SHOW BALANCE {$0.00}. As per banker XXXX i wait until XX/XX/year> to replace the check. I GOT ANOTHER CHECK FROM TITLE COMPANY AND DEPOSITED IN MY CREDIT CARD ACCOUNT. THIS CHECK CLEARED. BUT ON XX/XX/year> CHASE CLOSE MY ACCOUNT.
Consumer complaint received 2024-05-07
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. (GA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-17
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. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-09-12
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. (TX)

XXXX, XXXX, and Equifax have continuously reported inaccurate information on my credit report, despite my previous disputes and requests for corrections. I have attached a letter that provides proof of the inaccuracies, yet no action has been taken to rectify the errors or remove the incorrect information. This ongoing failure to update my credit report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate review of the attached documentation and the removal of all inaccurate information from my credit report.
Consumer complaint received 2023-08-29
Product: Student loan — Federal student loan servicing
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: Nelnet, Inc. (NJ)

XX/XX/2023 I was informed by my credit bureau that my student loans that had been written off due to outcome of the XXXXXXXX XXXX XXXXXXXX XXXX had been added back to my credit report. I have since uploaded the documents to show this to Nelnet, emailed Nelnet- they now dont even allow emails. I have called and they say they will research it and get back to me, they still have not. Many of us were reaching out to them on XXXX ( now XXXX ) and they keep telling us to call but arent helping. And its seemingly primary the people that are part of the settlement. I just want my account adjusted back to XXXX as per the settlement. This is a part of the email sent to Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX If you have any questions or concerns, please contact the BBB assigned to your complaint : XXXX In Nebraska, South Dakota XXXX Kansas XXXX XXXX XXXX Iowa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as per the settlement. This is a part of the email sent to me from the department of education : Pursuant to the Sweet settlement, the Department of Education will do the following : discharge your federal student loan ( s ) taken out for your enrollment in the XXXX XXXX XXXXXXXX ( " Relevant Federal Student Loan ( s ) '' ) ; provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loan ( s ), including Relevant Federal Student Loan debt that you previously paid off ; and delete the credit report tradeline associated with the discharged loan ( s ).
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Consumer Portfolio Services, Inc. (PA)

On XXXX/XXXX I received a letter from CPS Consumer Portfolio Services , Inc stating I was declined credit. for foreclosure repossession collection action or judgement. I dont have XXXX repossession collection action or judgement on my credit. But I never authorize for this company to run my credit. I have a security freeze on my credit. In XX/XX/year> I was notify of fraudulent XXXX claim from my job, that someone applied for unemployment I filed a police report bcuz I was working and never applied police report number Is XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-05-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I put it this dispute for XXXX XXXX XXXX, I informed Capital One that I was not doing business with this company and they have been charging me for months. Capital One stated that they would do a dispute investigation and if they needed anything from me, they would reach out. Theyve never reached out and as of today they sent me a letter stating that they asked me for proof and my claim was denied. Theyve never asked me for anything and I have all the letters from Capital One. The last correspondence I have from Capital One was XX/XX/XXXX which was the initiation of the dispute and the last letter that I received was XX/XX/XXXX stating that they attempted to contact me which is not true. I have on my profile the Capital One can only contact me by Mail due to the fact that theyve done this in the past where they claim to get in contact with somebody and they dont.