davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (ID)

Nelnet continues to delay my statements- each dated XXXX or XXXX, yet it's XX/XX/XXXX and I still do not have my XXXX statement. I asked Nelnet for my transparency- they provided absolutely nothing. It's really amazing for the federal government continues to do absolutely nothing and enable this toxic garbage company. This is not a free market. This is not American economics. This is blatant, corrupt, government abuse of consumers and enabling lobbyists and the private sector to participant in their abuse.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ava Finance, Inc (TX)

Ava Finance INC continue to violate my consumer privacy rights, hippa rights, trust relations, disclosure and accounting banking law and regulations. Ava Finance fail to properly disclose all accounting on principal account to consumer/ttee/poa. Ava instead choose to without integrity and not in good faith harm and damage the principal. Below are responses previously provided by Ava Finance INC including claiming they're not a debt collector but states they will no longer try to collect on the debt, written off the debt and will not send any more notices of the debt which all sounds like someone collecting on a debt. They're focusing responses on everything but my claims of damage, harm, deception, breach, identity, risk of privacy, hippa, missing disclosures, failure to provide verification of debt and right to collect, mishandling of account, and more. For Ava Finance negligence, unjust intent to gain and dishonorable way of handling disputes gives me more speculation they have something to hide. So now I want to look at all the accountings, create all the necessary investigations as well as be compensated. Below is the last response to Ava Finance AVA FINANCE RESPONSE Thank you for expressing your concerns. We appreciate the opportunity to address your concerns. We know this can be confusing, while Ava Financial is not a credit reporting agency and is not providing a " consumer report '' to any parties. We are a creditor and as such furnish credit history, positive and negative, to the credit reporting agencies. Claims regarding 15 USC 1681 do not apply. You did, however, accept our terms and conditions on XXXX XXXX XXXX, when you agreed to our terms and conditions which states both positive and negative payment history will be reported to the credit reporting agencies. In addition to your claim regarding 15 USC 1692a and 1692c ( c ), Ava is not a " debt collector '' under that definition, nor has your debt been sent to collections. At this point, we have written off the debt in XXXX, so you will not receive any further notices about the debt. Because the previous late payment information reported is accurate, as per previous account review, and per federal reporting guidelines, we are unable to remove them. Furthermore, our review of your previous interactions with our support team confirms that you were aware of the account and that it was opened by you. We never received a request to cancel your Ava subscription nor did we receive any disputes regarding the charges on your card. We have no further information at this time that indicates this account was opened due to identity theft. If you have a valid claim of identity theft that has been reported to the credit reporting agencies and/or proper legal authorities, please contact us at XXXX with the additional information and we will be happy to take appropriate actions.
Consumer complaint received 2023-08-28
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. (GA)

XXXX XXXX XXXX is reporting a late payment of XXXX in the month of XX/XX/2023. 

This is adversely impacting my credit score and should be removed as I have never been late on any of my 3 XXXX XXXX accounts.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I began disputing this debt in 2020, sending debt validation requests, and notifying them I had been the victim of identity theft. Additionally, I sent multiple follow up letters notifying them I had not received any response from them validating the debt, or any response regarding what this debt was even for. I also notified them they were violating the FCRA and causing malicious harm to my credit report. 

Originally, this debt was removed from my credit report, but them years later began being reported once again with different dates and reporting information. 

To date, they have failed to provide proper validation of this debt or proven it is mine.
Consumer complaint received 2023-11-08
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-07-25
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. (TX)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-26
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 & 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-07-25
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. (FL)

" I reviewed my consumer report and informed your agency on [ XX/XX/year> ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2023-07-15
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. (FL)

In accordance with the fair credit reporting act XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A states I have the right to privacy The following names, Date of births, employers and addresses do not belong on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XX/XX/XXXX proper name is : XXXX XXXX XXXX correct address : is XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX please remove all employers Fromm my credit report proper date of birth : XX/XX/XXXX
Consumer complaint received 2022-12-09
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. (CA)

I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. I have read enough to understand my rights. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Below is the account with erroneous information and Id like remedied ASAP. 


XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-09-25
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: ALLY FINANCIAL INC. (GA)

I received my credit report on XX/XX/XXXX, XXXX from XXXX XXXX XXXX, and XXXX XXXX There are some accounts I don't recognize and inquiries I didn't authorize.
Consumer complaint received 2023-09-19
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

My purchase at XXXX XXXX on XX/XX/XXXX was declined so I wasnt able to get my groceries but they still charged me. It was XXXX dollars, I contacted Chase and they issued a temporary credit, but then reversed it.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 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 2023-06-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (ND)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-06
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: Experian Information Solutions Inc. (TX)

I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family and caused financial and emotional distress upon me and my family. Please Remove/Block these fraudulent accounts from my credit report in 4 days of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I sent a letter out on XX/XX/, to Equifax and it was received on XXXX XXXX XXXX XXXX XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXX. I was advised that disputes were verified as true. This makes no sense because once again, In my original letter, I asked Equifax specifically to provide pictures, receipts, dates, times, and bona fide witnesses who can attest to these accounts being mine. I also provided an FTC report along with a police report. 

My rights have been violated under 15 U.S.C 1681 Section 604A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my reports as well. 

In my letter, I made it very clear which accounts were fraud and also marked them on the FTC report and provided my social security number, lease agreement and utility bills outlining my physical address. Equifax has continued to report the fraud address on my profile of XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX. I am demanding Equifax remove account : XXXX XXXX XXXX for {$11000.00}
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (ID)

I was told they sent a letter in XXXX stating they took over the debt and I need to contact them or they would report on my credit. I never received the letter thus giving me a chance to dispute or handle the debt and they reported in my credit. When I contacted them they were not able to prove they did infact send the letter and I received it and will not remove they remark while I dispute the validity of the debt and had severely negatively ipmapcted my credit score.
Consumer complaint received 2023-05-29
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. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (IL)

I opened an account with XXXX through Wells Fargo in XX/XX/XXXX. I purchased an item at XXXX and later returned the merchandise. We never received a statement to show they gave me credit for the returned merchandise. They currently show late payments on my credit report. I did a dispute back in XXXX but it came back no change. Then in XX/XX/XXXX I received a letter from Wells Fargo that said they discovered a processing error because they did not have correct address in the system. 

I did another dispute This spring to get credit report to show no late payments. and again Wells Fargo did not change the credit report. 
. 

I have attached the letter from Wells Fargo dated XX/XX/XXXX.
Consumer complaint received 2023-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (VA)

REMEMBER : the account name and account number goes in the parentheses. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX Account # 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-12-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

it is for bank of america and XXXX XXXX XXXX XXXX  sold my information 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-11-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Fraud Department My card was used to make two fraudulent purchases. 
XXXX XXXX portable generator and soft drinks -- {$920.00} XXXX XXXX stations -- {$69.00} On XX/XX/XXXX B of A sent out a new card that we never received. 

Attached you will find the XXXX XXXX receipt from store XXXX where my stolen card was used to purchase a XXXX XXXX portable generator and soft drinks. This XXXX XXXX store has video at their registers that can provide the identity of this thief. 
Date : XX/XX/XXXX Time : XXXX XXXX  Cashier : XXXX I have never been to this XXXX XXXX store except to research their records that shows this was the only purchase made at this store on my card. 

I also attached a copy of our purchases from XXXX XXXX stations that show we never purchased gas over {$48.00}. Our car is a XXXX XXXX and only holds XXXX gallons of gas. 

The XXXX road Post Office has indicated that mail has been stolen from several residencies in the neighborhood and is also asking locals to be on the lookout for suspicious people.