davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Alleged Debt Account Number XXXX Dear Sir/Madam, I am writing to formally dispute the collection account referenced above that appears on my credit report. The details of the account are as follows : Account Number : XXXX Original Creditor : XXXX XXXX Amount : {$260.00} Date Opened : XX/XX/year> I have reviewed my credit report and have noted that Jefferson Capital Systems has reported a collection account associated with XXXX XXXX. I want to make it clear that I have never opened an account with XXXX XXXX, nor have I authorized anyone to open an account on my behalf. Therefore, I dispute the validity of this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information : 1. Validation of the Debt : Provide the name and address of the original creditor and any documentation or records that substantiate the amount and validity of the debt you are attempting to collect.

2. Verification of Your Right to Collect : Documentation proving that you have been authorized to collect this alleged debt on behalf of the original creditor. 

Additionally, I am requesting that Jefferson Capital Systems cease all collection activities, including reporting this account to any credit reporting agencies, until this matter is resolved and the debt has been validated.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (LA)

I ordered my consumer disclosure report from LexisNexis sometime on XX/XX/XXXX, after I was notified of rate increase on my auto insurance at the time of renewal. When speaking with my insurance company that informed me that in whole and / or part of their decision to raise my rates was due to the information that was provided by LexisNexis. 

I went to LexisNexis 's website, as instructed and order my report. The report did not generate and I was provided a screen that stated in short terms, " I would be getting something in the mail. '' Also, during this process all my personal information was entered correctly and at no time during the request was I prompted to " upload '' or " send in '' personal ID documents. 

On XX/XX/XXXX I received a letter from LexisNexis in the mail. ( Ref Case number : XXXX ) The letter states in short : " Unfortunately, we are unable to authenticate your identity and therefore can not process your request. '' The letter goes on to explain that I am to go back to the website and resubmit for another consumer report disclosure. 

On XX/XX/XXXX, I went to the website provided ( consumer.risk.lexisnexis.com ) and submitted another request for my Consumer Report Disclosure. on XX/XX/XXXX I was given the same message from my first request. " I would be getting something in the mail. '' LexisNexis keeps sending me in circles to get my report. I would like my disclosure report to know what personal data and or / information LexisNexis has on file about myself and / or also understand how that data / personal information is affecting my insurance rate, financial life, and other areas in which I do business.
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (CA)

Truist charged me {$62.00} for a lapse in homeowner insurance during which I didn't have coverage from switching to a new insurance company. But I didn't receive any notice that they bought this force-placed homeowner 's insurance and we didn't agree on the premium at all. I tried to contact them but they couldn't provide me any details of this force-placed insurance at all. I think they didn't even buy it and just want to charge me for the gap.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (TX)

I am writing to complain to ALLY FINANCIAL about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX. My birthdate isXX/XX/XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

I get check from my employee for the amount of {$400.00} it was the same bank that my employee have first XXXX XXXX I also had my identity my driver license and others I handle the check with my ID and she told me she have to verify it, I had no problem with that she want to asked the XXXX and he refused to cash it he told me only up to {$200.00} so I called the XXXX customer service and I asked them about cashing check what's the XXXX amount the told me there's no limit so i want to my bank and deposit it with out any problem I think first national bank don't want to cash it because of my ethnicity race I included the picture of the check in
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

American Express Gift cards cant be used. I have XXXX gift cards with {$300.00} in credit that cant be used. Its such a hassle. I literally pick out things load my cart up only for the card to come up declined on the terminal. When you look at the gift card account balance the amount is debited as a temp hold. So then you have to wait XXXX days for the hold to drop off before you can try a different store. This is absurd my money is being held XXXX! I cant use what was given to me.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (FL)

I received an email on my iphone from XXXX on XX/XX/year>. It stated that a new login was detected on XX/XX/year> at XXXXXXXX XXXX  EDT from Device : XXXX XXXX, Location : XXXX, FL XXXX I called Chime and told them about the email and that I did not have a Chime account. They told me that is was a checking account. They then said they would close the account and sent an email saying they ended their relationship with me and closed the account on XX/XX/year>. 

I gave them my name, email address, and DOB since they said they needed this information to close the account.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My account with ( XX/XX/XXXX ) was never late! I have had exceptional payment history witH XX/XX/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 ( MONTHS REPORTING LATE ) 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.

(XX/XX/XXXX) 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 2024-06-09
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. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX : XXXX XXXX XXXXXXXX, Account number XXXX XXXX : XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX XXXX, Account number XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-10-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

I attended the XXXX XXXX which were found to be fraudulent schools by the federal government. When applying they claimed they were accredited universities that would provide degrees and it wasn't until several years into my program that we learned they were unaccredited. They were found to be fraudulent and loan forgiveness was provided for federal loans. I applied for private loan forgiveness through Navient as well given the nature of the school and the application was denied with no reasoning given. I made the application for forgiveness on XX/XX/year> and received the rejection notice XX/XX/year>. Further attempts to communicate with Navient and get more information have been unsuccessful.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (OR)

I received an email from Credit Karma on XX/XX/year> stating that my account could no longer be serviced and would be closed, no explanation as to why. It stated that a refund of my balance would be issued either by bank transfer or check within 5 days. I received neither. I contacted their customer support on XX/XX/year> and was told my concerns would be escalated to a special investigation team and I would receive an email from them. I received that email on XX/XX/year> and it stated that in order to get access to the remaining funds in my account I would need to contact the state of Oregon, again no explanation as to why or who exactly I should contact. I contacted customer support again and they could not give me further information but said they would again escalate my concern and to watch for another email.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I am writing to dispute several inaccuracies in my credit report. I have identified multiple accounts with errors related to payment history, balance accuracy, debt validation, and discrepancies in the date of last payment or activity. Despite my efforts to resolve these issues directly with the credit bureaus, they remain uncorrected. I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure a thorough investigation and resolution of these discrepancies. The following accounts are in dispute : Equifax Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested the credit bureaus provide the complete payment histories , validate debts, verify balances, and correct discrepancies in dates of last payment or activity. Additionally, I have asked for the removal of any charge-off or collection remarks where applicable. I seek CFPB 's assistance in ensuring these errors are corrected promptly to reflect a fair and accurate credit report.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I have been a victim of identity theft and there are fraudulent accounts reporting to my credit. Fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached a copy of my FTC report as well as my ID. ( Please see attachments )
Consumer complaint received 2024-06-12
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. (NY)

Upon reviewing my credit report again, I discovered that some of the information is incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) require the three credit bureaus to validate these accounts. It is not permissible to report unverified information without providing proof within the legally specified time frame. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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. (LA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-06-18
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)

Account # XXXX This complaint is a REBUTTAL to a response from XXXX MAIN FINANCIAL dated XX/XX/year> regarding a dispute on the above account & also previous disputes regarding this account. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to the credit bureaus. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction or transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX MAIN FINANCIAL are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX is a CORPORATION -15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE. 

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Consumer complaint received 2023-06-22
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. (GA)

I am XXXX  and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am XXXX!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2019-06-27
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 have a XXXX XXXX account with an account number ending in XXXX. I wrote to the bureaus requesting an investigation into this since I didn't feel it was reporting accurately. 

I received a response from the bureaus saying it has been verified, yet I got a letter from XXXX XXXX which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify this properly therefore it should no longer be on my report.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Love, Beal & Nixon, P.C. (OK)

Love Beal and Nixon have sued me for a debt from XXXX that was a result of identity theft. This company claims to have served me personally for the court appearance but according to the process server at the time, 2019, I was a XXXX XXXX XXXX at XXXX tall with glasses weighing XXXX pounds. In 2019 I was XXXX, dont wear glasses and weighed about XXXX pounds and I am XXXX tall. So clearly XXXX XXXX served. I never had any idea any of this was going on. Until they put a lien on my house. And took my last {$200.00} out of my bank account. I have offered to pay just to get the lien off my house but they insisted I admit it was my debt. I can not do that. I have open cases with the FTC, IRS, SSA and several local law enforcement agencies. This is identity theft. My identity is being used by at least XXXX person that has been identified. This company is horrible. They refuse to let you dispute anything. And they are victimizing me even more.