davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see XXXX, my correct identification information for your records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address. 
Sincerely, Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2023-10-29
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 recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts and inquires on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

I have called and sent letters asking to remove incorrect addresses from my credit report and they refuse. I sent current address documentation. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

COMPANY EXPERIAN HAS VIOLATED MY CONSUMER RIGHTS AS MY PERSONAL INFORMATION IS NOT SUPPOSED TO BE ON MY CREDIT REPORT. COMPANY EXPERIAN HAS VIOLATED LEGAL CONSUMER LAW 42 US CODE 408 - IT IS ILLEGAL TO ASK FOR SOCIAL SECURITY NUMBER. I HAVE SENT COMPANY EXPERIAN LETTERS TO REMOVE THIS INFORMATION OFF OF MY CREDIT REPORT BECAUSE IT IS MY RIGHT. MY NAME IS ON MY CREDIT REPORT INCORRECTLY. I HAVE SENT MULTIPLE LETTERS TO EXPERIAN AND THEY REFUSE TO DO THE RIGHT BY THE REQUEST THAT WAS SENT CERTIFIED. PLEASE AGAIN REMOVE ALL PERSONAL INFORMATION BECAUSE YOU AS A COMPANY DO NOT NEED THIS ( 15 US CODE 1681 e ( b ) - MAXIMUM ACCURACY AND 15 USC 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ). WHAT PERMISSIBLE PURPOSE DOES THIS COMPANY THAT WAS BUILT ON SLAVERY HAVE BY NOT HONORING MY REQUEST TO REMOVE SENSITIVE INFORMATION OFF OF MY CREDIT PROFILE? PLEASE CORRECT ALL ERRORS
Consumer complaint received 2024-06-20
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)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2023-12-18
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. (IA)

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. 

Account name : XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX has violated my rights.

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 2023-07-01
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

My credit card was fraudulently used in XXXX of 2022. I alerted Citi bank as soon as I realized the two transactions had occurred. They assured me I would receive a refund for the two transactions. I received a temporary credit but it was withdrawn and my dispute was denied. Supporting documentation was sent from the merchant and I have called several time trying to resolved the matter but I am repeated denied a refund on funds that was stolen from me. I am willing to produce witnesses and affidavits to attest to my whereabouts. Also, the merchant, XXXX XXXX XXXX, confirmed that one of the two purchases can only be made with the park itself, not online.
Consumer complaint received 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

I, XXXX XXXX XXXX, attempted to remain in honor by tendering payment via a properly endorsed negotiable instrument in the form of a payment coupon. I gave them notice that I am the Agent and beneficiary of the Principal XXXX XXXX XXXX, and I am accepting all titles, rights, interest and guaranteed equity owed to the Principal. I included a Power of Attorney in the enveloped that I sent in, which relates to the Agent & Principal relationship. The endorsed payment coupon was accepted for deposit and made payable to the bearer, with the proper instructions, in the amount of {$31000.00} to NELNET XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. It shows that it was delivered to NELNET, XXXX on XX/XX/XXXX. The company is in possession of the instrument, but did not credit the principals account. NELNET, XXXX is in default and dishonor, as they have violated multiple codes, laws and acts. XXXX XXXX states that if tender of payment is refused, then there is discharge to the amount of the tender. I called NELNET XXXX XXXX on XX/XX/XXXX and asked for validation of the debt and a contract that I have with NELNET, XXXX that has my signature on it. The representative said that they dont have that. So they cant validate the debt and they also have refused the tender of payment. I also sent a XXXX notice to the CFO, which was delivered on XX/XX/XXXX, and have yet to get a response or update to the principals account. Respectfully, I am aware that not all company representatives may know exactly what to do in order to correctly process and credit the registered security that I sent in, which is why I suggested in the notices that I sent that they consult with their trustee bank in order to do so. I know that the NELNET, XXXX XXXX, XXXX XXXX XXXX XXXX works closely with XXXX XXXX  XXXX XXXX COMPANY to handle securities. 
I am filing a complaint and asking for an immediate investigation to rectify the situation so they may remain in honor. I am staying in honor, acting in good faith and with clean hands. As it stands, NELNET, XXXX is committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on. Certain Violations include, but are not limited to : Uniform Commercial Codes, Bill of Exchange Act, 18 USC 8, RICO ACT 18 USC 1951, HJR 192, Uniform Negotiable Instruments Act. 12 USC 1431, 15 USC 1601, and Securities Fraud.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to address the recent misreporting of the 60-day late payment status on my Flexible Spending Credit Card account XXXX This misinformation is negatively impacting my consumer file, which is concerning and violates fair reporting practices. 

I understand that unforeseen circumstances, including the loss of both my credit card and mobile phone at the XXXX XXXX, contributed to challenges in accessing my Capital One account and making timely payments. Despite these difficulties, I promptly communicated with Capital One and made a payment of {$52.00} on XX/XX/year>, within the expected timeframe. 

To resolve this issue and restore accuracy to my consumer file, I request the following actions : Correction of Credit Report : I urge Capital One to correct the misreported 60-day late payment status on my credit report to accurately reflect my payment history during the period in question. 

Waiver of Late Fees : Given the circumstances described, I request the waiver of any late fees associated with the reported late payment. 

Enhanced Security Measures : I encourage Capital One to enhance security protocols and customer support procedures to assist customers experiencing similar challenges. This includes improving account recovery processes and implementing robust security features to prevent unauthorized access. 

Notification of Resolution : Please provide written confirmation once the corrections to my credit report and any fee waivers have been processed. 

It is crucial to rectify these inaccuracies promptly to ensure fair and accurate reporting. I appreciate your attention to this matter and trust that Capital One will take the necessary steps to resolve this issue expediently. 

Please contact me at your earliest convenience to discuss further or if you require any additional information to facilitate the resolution process. 

Thank you for your prompt action in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (VA)

I am applying for a XXXX XXXX loan through several lenders. I believe there is some sort of underwriting system that lenders XXXX all use, XXXX XXXX, XXXX XXXX? Anyway, I do not have any understanding why they close my loan application.
Consumer complaint received 2023-12-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (TX)

Hi, In XX/XX/XXXX, I went to the ChecknGo website. I requested the terms for a loan. The website asked for bank information so they could verify account and funds. I provided this. The next day, there was {$500.00} in my account. I had not signed any loan documents. 

I sent an email to ChecknGo to cancel loan because legally I have three days to cancel. I called on XX/XX/XXXX and talked to XXXX at this company. I also called on XX/XX/XXXX and spoke with XXXX from this company. Neither tried to help me cancel this loan. 

I also sent Notice of Cancellation to the address below through XXXX with XXXX : Check 'n Go XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ChecknGo gave me notice that if I provided written cancellation to the address above by XX/XX/XXXX, the loan would be cancelled. My USPS receipt shows it was delivered by XX/XX/XXXX. 

I later received notice from ChecknGo that I owed {$1200.00} for the {$500.00} loan. I called ChecknGo and asked them to provide proof I had signed a loan agreement. They never provided proof. 

I later received notice from a collection agency that had purchased this debt from ChecknGo. ChecknGo was able to collect money from this fraudulent loan.

ChecknGo needs to be investigated for this fraudulent behavior and stopped from ripping people off for significant amounts of money. 

Thanks, XXXX XXXX
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received dispute results from TransUnion Dated XX/XX/2023 File Identification XXXX ( see attached ) which said the following accounts would be deleted yet they still have not been removed from my TU credit file and it's been over 30 days : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I've received negative feedback from a home loan lender regarding these accounts which is detrimental to my financial well-being. These accounts should have been removed promptly, over thirty days is not prompt.
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America made the decision to close my credit card because they couldn't establish contact with me to verify personal information. They attempted to call me, but due to the fear of it being a scam, I didn't dare to provide personal information over the phone. Subsequently, they sent correspondence, which the USPS didn't deliver because I was out of town for personal reasons and couldn't receive it in time. Until XX/XX/XXXX, the bank took the drastic decision to close the credit card that I had maintained for over 8 years with an impeccable record. In my opinion, this was an unfair and radical measure. If it was for security reasons, they could have simply frozen it instead of closing it.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (FL)

Back in XX/XX/, XXXX worked in my family 's home to install Vinyl floors and everything seemed fine until they started calling me about an additional balance. Their policy is that they don't complete the work until you pay. So it is required that you pay before installation which, I did. My bank statement from the time shows several payments made to them. However, they still have on my XXXX account that I owe them {$830.00} which I do not. Before the sent the account to collections I spoke to a few people about it and was never provided a copy of a signed agreement nor a copy of an incomplete invoice. So this was removed from my XXXX and XXXX credit reports over a year ago. Now, I filed a dispute to remove it from XXXX but it was not removed nor was documentation to prove their claim provided. So, I'm reporting this because I don't owe that money and if they could prove I did I would have paid it years ago and they wouldn't have removed it from my other reports.
Consumer complaint received 2023-12-04
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX Balance Owed : {$8300.00} XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX *** Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX **** Balance Owed : {$8300.00} XXXX XXXX XXXX Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-09-16
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. (TX)

Upon checking my Equifax and XXXX Credit Reports on XX/XX/XXXX, I noticed several unauthorized inquiries on my credit reports I did NOT authorize or recognize. I also know according to the FCRA, these unverified and unauthorized items must be removed. I also noticed a credit collection in the amount of {$540.00} from XXXX XXXX XXXX ( original creditor XXXX XXXX  ) that I do not recognize that does not belong to me that needs to be removed immediately. I have placed security freezes on both credit reports as well as filed an FTC report and contacted the Creditors but did not get any resolution. The 7 Inquiries listed on my Equifax credit report that are unauthorized are : XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The 21 inquiries listed on my XXXX Credit report are : XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXL Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX The FTC Report Number for Equifax is XXXX. The FTC Report Number for XXXX is XXXX...
Consumer complaint received 2023-12-18
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. (FL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

CItizens Bank incident started XX/XX/23. 

Drove an hour to the nearest physical branch to deposit a US Treasury check around {$29000.00}. It's a government issued check so wanted to do it in person. Told I have to use their virtual assistant ATM. A bank employee assisted me however with using it, saw the check, and I deposited it in the system. 

The receipt said the check may require verification, that's fine, instead my account was locked, my card deactivated, and my funds- all of my funds including what I had in the account - being frozen from me. It is a government check! I am not looking to cash it, I am depositing it. 

They tell me it was in error however are holding all of my money XXXX and say it may be available in a week. I have bills to pay and have a daughter! I get holding the check funds until they are cleared- which according the the activity in the online banking portal they are cleared- but I still can't access any of the money I had in there before. I get paid tonight and I won't have access to that either! 

I've been on hold with them talking to supervisors and others and they admit it's problem and they even tell me i should switch banks, which I CANT until I have money to do so!
Consumer complaint received 2023-12-18
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX