davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under: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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC (FL)

Greetings, I was a victim of an online job scam back in XX/XX/XXXX. XXXX is reporting to Early Warning Services consumers reports of this being a forged " Account Check Fraud, '' which I find highly unprofessional on their part when I was a victim of a scam myself. The individual posting as XXXX XXXX was trying to hire me to become a data entry clerk for the company. I was reached out to by a recruiter via XXXX or XXXX  during the same month. After I completed the personal information, I provided them with my ID as well as my SSN, and XXXX and the next day I was told I would be hired. They advised me that they were sending a check in the mail via XXXX  for me to purchase equipment to do the job, but I would need to deposit the check and then go to a website to purchase the required equipment. I deposited the check, and it was cleared the following day. I took the cash out, bought the equipment, and sent the money over to them via XXXX XXXX. I received a call from XXXX advising me that the check was returned and that my account would be in the negatives because the check appeared to be fraudulent. I had no intention of defrauding XXXX. I filed a police report regarding the scammers posing as a legitimate company when they were not and advised XXXX of the same issue. Years later, I am unable to open new bank accounts with any large institution because of the unfair reporting of " Account Fraud '' by XXXX. I tried to dispute the information with Early Warning Services , LLC, on XX/XX/XXXX, but I was advised by them a few weeks later that the bank notified them that the information was accurate. No other options were provided. Every bank is viewing me as some sort of criminal. It is embarrassing and extremely XXXX. I call on the Government to investigate this matter thoroughly, and if there are any wrongdoings by XXXX I deserve compensation for the stress that I've endured, and the loss of income it has cost me. 

Thank you,
Consumer complaint received 2024-06-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (HI)

On XX/XX/year> I wrote to Firstmark services to inquire- I would like to know how to apply for cancellation of my private loans based on school misconduct. I am entitled to a process for private student loan relief because of my schools misconduct-pushing students to obtain predatory loans. 

On XX/XX/year> I received a response our loan is not a federal loan, so it is not eligible for forgiveness due to school misconduct. Your loan is a private loan, and the terms and conditions of this loan are different than federal loans.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (TX)

2 months ago, I got my insurance bill that was being renewed by XXXX XXXX. I have had them for a few years, and they were increasing my premiums substantially. I thought that was odd, so I called another insurance company XXXX to get a quote to possibly change and they denied me coverage. They told me that there were 5 accidents on my record showing me at fault. I have been in a few accidents over the past 3 years, but I was not driving in any of them and all but 1 was labeled not the driver at fault who was actually driving the car that I was in at the time. Since I was not driving, and the accidents were not the fault of the driver of the vehicle I was in- why would they show me at fault? They should not be showing on my record at ALL. There was also an accident from a previous boyfriend that I had no idea he had an accident and was not in the car- this most certainly should not be listed on my driving record. When I called LexisNexis and reported all of this as inaccurate- they let me know they were going to " Investigate '' this, and I put investigate in quotes bc I got a letter 30 days later from them letting me know they called XXXX XXXX XXXX find out about the data and they deemed all the information on my driving record as ACCURATE. Completely unbelievable. Now I let them know that was unacceptable and appealed that decision. Now they want me to jump through the hoops to prove my innocence while I am still being overcharged by liberty mutual and being denied coverage from anyone else b/c of their reporting it shows that I am too much of a liability to even insure. I should have XXXX  accidents under my driving record. PERIOD. This needs to be fixed. If they are doing this to me- I bet, they are doing this to millions of other Americans, and it needs to be fixed. They need to be held accountable.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

My account with USAA FSB was never late! I have had exceptional payment history with USAA FSB 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 XX/XX/year> and XX/XX/year> to XX/XX/year> 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 XXXX  days before the payment due date. 


USAA FSB Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-06-30
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: Resurgent Capital Services L.P. (AR)

No knowledge of this company XXXX XXXX XXXXXXXX XXXX XXXX Amount {$530.00}. I called company. I havent open any new accounts they stated the will send information. I never received information. I disputed account XXXX XXXX, XXXX XX/XX/year> and XX/XX/year> and its still reporting on my credit report. XXXX XXXX XXXX reporting inaccurate information on my credit report amount XXXX. I didnt give permission to sell my information its against HIPPA Rules and Regelations. XXXX XXXX XXXX  {$630.00} not my account. XXXX XXXX Ma not my Account. XXXX XXXX  XXXX XXXX XXXX XXXX, TN XXXX XXXX Spoke with Salesman XXXX XXXX and he stared I didnt and never have an account with them and dont owe the amount of XXXX, XXXX. I asked if he could give me something in writing. He directed me to XXXXXXXX XXXX XXXX the company Administrator I spoke with me XXXX and she stated I dont have nor owe XXXX with XXXX XXXX XXXX I emailed her proof that this was reporting on my credit and she stated that I should dispute it.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX, Equifax, and XXXX have repeatedly and continuously violate my federally protected rights under the Trafficking Victims Protection Act of 2000 ( " TVPA '' ) which was mostly recently reauthorized on or about XXXX. Additionally the CFPB released rules for credit reporting agencies to follow in regard to this law in their ( CFPBs ) Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ). 
I submitted 4 documents to Equifax, XXXX, and XXXX in accordance with the TVPA and in excess of what was required under TVPA and Regulation V. Those documents were a non-governmental organization letter attesting to my status as a victim of human trafficking, a copy of my passport, a copy of a recent utility bill, and a copy of the self-attestation letter, the template for which was provided by the CFPB. These documents were uploaded to the e-Oscar system on all three ( 3 ) of the credit agencies ' specific websites. The documents were also mailed via certified mail to XXXX, Equifax, and XXXX. This was done repeatedly beginning XX/XX/XXXX to XX/XX/XXXX of XXXX. To date, Equifax, XXXX, and XXXX have not removed the items within four ( 4 ) business days as required by the federal law, TVPA. 

Equifax, XXXX, and XXXX continue to cause me further emotional, mental, and financial damage by refusing to comply with the federal, violate my federally protected rights, and further inflict egregious damage on me by continuing to participate in my victimization under TVPA by continuing to profit from my personal information while I am under duress and suffering as victim. 

Equifax, XXXX, and XXXX have stepped and operate unscrupulously outside of their positions as self proclaimed credit reporting agencies while engaging in profiteering at the expense of my status as a victim. THIS IS MY THIRD COMPLAINT REGARDING THE SAME ISSUE.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am submitting this complaint regarding late payments on my credit report. Upon reviewing my records, I discovered these late payments. Despite sending letters about this issue more than 30 days ago, I have not received a response or satisfactory validation. I request your help in resolving this matter quickly and effectively.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

I opened this account in XXXX, I was never able to use the mobile banking feature so I constantly called them everyday to try and get this issue resolved. I was never able to get them to fix that problem even right now as of today. So I gave up on getting it fixed, i had to call the number on back of the card to hear my balances or if I wanted to transfer funds out of one account to another. It became exhausting and frustrating. I reach out to customer service and I let them know that if this problem doesnt get fixed that I am going to close my account sometime soon if this problem continue to make my life miserable, I told the representative that I will step into a branch when I decide to close the account, so that I can withdraw the money I had available to me at that time. XXXX days later I am trying to make a purchase with my debit card and its repeatedly being declined, when I call now Im getting transferred to the fraud department to confirm transactions, after confirming all the transactions my debit card still doesnt work. One of the reb explains to me my accounts are being closed and that the bank has chose to end the relationship, I then ask when will I receive the funds out of the account, I keep being told that I will receive a letter in the mail explaining more information. I still have not received any letter m, the accounts are not closed, and I still have not received my money from either checking & saving account I have with this bank
Consumer complaint received 2024-05-10
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: Experian Information Solutions Inc. (FL)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-07-16
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. (PA)

I am writing you this letter regarding payments that were marked late by your company for the following account : XXXX XXXX Account # : XXXX Experian Account # : XXXX EQUIFAX Account XXXX : XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards, XXXX XXXX
Consumer complaint received 2024-06-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

On XX/XX/year>, the car was involved in an accident. On XX/XX/year>, the car was deemed totaled. On XX/XX/year>, XXXX XXXX of XXXX requested a letter of guarantee to finalize the loan and submit balance of payment to me ( XXXX XXXX ending in XXXX ). On XX/XX/year> I had to call to see what the hold up was and I was told they didn't have the contact information for the recipient of the letter even though in order for USAA to talk to the progressive agent, there had to be a letter of authorization provided ( this was provided on XX/XX/year> and had all necessary information required. On XX/XX/XXXX and XX/XX/year> there were XXXX incorrectly submitted forms on USAA 's side and the only reason I learned of this on XX/XX/year> is because I had to call XXXX  times a day to get them to try to get this resolved. Finally, on XX/XX/year> after XXXX calls that day and being hung up on several times, a document was uploaded into my portal. The only issue is that this is a document for a consumer loan that is not mine, was not the correct make and model, and was not the correct VIN number. So, not only a XXXX ( there were many more errors ) error, but now they are breaching confidentially of their other clients and probably could be doing the same to myself and many more. I feel like I am being held hostage because I can not move forward with my insurance claim and their ignorance and carelessness is now costing me a significant amount of money daily.
Consumer complaint received 2023-04-27
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Equifax consumer report on 08/11/2022 without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Capital One, Further, I do not have any alleged account type as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MS)

I have had XXXX  companies ran my credit and have left hard inquiries on my credit report none of which I authorities XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX CBNA Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-06-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I recently saw that AES/PHEAA is being fined for their mishandling of loans from XXXX : XXXX XXXX XXXXXXXX During that time, I submitted for the public service loan forgiveness program, having made 120 payment since XXXX, all while serving in state government. According to that program, by loan balance should have been forgiven at that point, but was incorrectly denied. I reapplied in XXXX ( apparently when the agency regained some direction ) and my loans were promptly forgiven. 

I'm attaching my original application that was denied, saying simply that I did not qualify, which was patently false. There was no appeal process, however. 

I was wondering if there is any potential payback to borrowers or other avenues we can access to recoup funds that the agency incorrectly collected. During the four year span between my denial and re-application, I paid approximately, {$10000.00} more than I should have because of their errors or incompetence and I'm wondering where I could go to maybe recoup some or all of that overpayment. 

Thank you!
Consumer complaint received 2016-05-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (FL)

I have a XXXX checking account ending in XXXX with Chase for last 12 years. Of late my overdraft charge scenarios has gone uncontrolled leading to overdraft for overdraft related negative account balance. XXXX such example is show below. 
1. On XXXX/XXXX/16 during the day my account balance fell below o. 
2. By that night had deposited {$200.00} and had brought the balance to positive {$54.00} - Proof is in ATM receipt attachment 3. However above referenced deposit was overlooked and was charged XXXX overdraft fees on same day = XXXX/XXXX/16 of {$34.00} each totaling to {$68.00} resulting in my account going negative again.Proof is in second attachment 4. Fortunately has a tax refund the next day which saved additional overdraft charges. 
I spoke with Chase customer service at different levels to get this addressed but I was given various technical reasons and nothing was done. I am going through an acute income reduction chase and would appreciate if this issue could be resolved and account funded back with this incorrect {$68.00} overdraft fees.