davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
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: EQUIFAX, INC. (NJ)

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency equifax refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to equifax on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. Equifax has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how equifax is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can equifax explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore, the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and equifax is doing the complete opposite. I have attached a 3-credit bureau report which clearly shows that experian, equifax, and transunion are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these unauthorized accounts are not immediately blocked and removed, if authorized accounts are not updated with accurate payment history, incorrect personal information should be deleted immediately, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to equifax but have yet to receive a response. Please find all proof attached below.
Consumer complaint received 2023-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Please be advised that I have sent in different occasions to RESURGENT CAPITAL SERVICES, LP, a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to prove that this account is mine. As per the DFCPA, RESURGENT CAPITAL SERVICES, LP must prove that this acct is mine showing any existing contract or application signed by me with my social security number.
Consumer complaint received 2023-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Received a fraud alert notifying me of 2 hard credit inquiries I did not approve or initiate from 1. CAP ONE NA Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX  and 2. XXXX XXXX Inquired on XX/XX/XXXXXXXX  On record until XX/XX/XXXXXXXX  I called both Cap One NA, XXXXXXXX who both told me they couldn't do anything and that I needed to contact XXXX, XXXX and XXXX separately to notify them of these fraudulent hard inquiries that I did not authorize nor approve. Each of those companies said that I needed to file a complaint with FTC if I wanted it to be investigated further so this is why I'm writing this complaint now.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CO)

I had a Chase XXXX branded credit card. While XXXX several fraudulent charges were made on the card. I reported these to Chase, but they never took action to close the card to prevent additional fraudulent charges, hence breaking their own terms and conditions to protect their clients. 
They then closed this card, and all other personal and business cards I had with the company and refuse to open new cards with no explanation of why they are harassing me with this.
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Yet again, another TransUnion complaint. TransUnion has an XXXX XXXX ( closed ) account on my credit report in the amount of {$8000.00} from XXXX. 

Although the account is listed in good standing, {$0.00} balance and closed this is not my account. I filed a dispute with TransUnion approximately 1-1 1/2 years ago. I had received a call from them stating it would be removed. That was in XXXX. As of today XX/XX/XXXX it is still showing on my credit report. 

I once again asked them to remove and why it had not yet been removed, in true TransUnion dismissive fashion, they could not answer and had no explanation.
Consumer complaint received 2023-09-14
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)

On XX/XX/2023, I sent a letter regarding accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I would like this Deleted from my recordits not fair reporting. I tried several times to pay and they kept blocking my account. Online and app payments were not being allowed. I had a few payments returned due to bank errors, payments were paid the same day they were returned but they still closed my account with no notification to me at all. Then I was able to make payments on the closed account ONE TIME before they locked me out online and on the app ( wasnt accepting payments ) then they charged the account off. Again now as a charge off without any notification to me. They did not even offer a settlement.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: INDEPENDENT BANK CORP. (TX)

On XX/XX/2023, I saw a debit of {$1000.00} debited to my checking account from XXXX. I immediately call my bank to find out why and who authorized this debit amount. They said, " it is from XXXX ''. And I asked why? They said someone pay me on XX/XX/XXXX, and now reversing the payment ( Refund ). I told them the Only people paying me through XXXX every month are my Tenants. After so many calls they gave me information that the tenant involved said, " he never stay in the house '', But as am typing this letter today ( XX/XX/2023 ), the tenant involved " XXXX '' still live in my house. Which means this was a fraudulent claim and debited. Thus, I am asking my bank to credit my account back for the same amount of $ XXXX. I sent all information about the tenant and other co - tenants to my bank, so they can use use those informations to verify my claims. But my bank claim that they can not do anything to credit my account back for this money, they asked me to call XXXX, I call XXXX, they said since I did not use their direct app, they can not do anything. Only my bank can credit my account back and provide information to them. My bank App is what I use to receive all my payments. But my bank refused to do anything on this matter.
Consumer complaint received 2017-02-24
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Around XX/XX/XXXX I got disappointed on how Fifth Third Bank had handled an issue regarding my debitcard being cloned. As a consequence, I closed my checking account with them and paid all the current balance at that time. In XX/XX/XXXX, I received a letter from the Bank saying that I had an opened current balance of about {$300.00}. After many back and forth attempts to dispute the amount, I decided to pay all and get rid of the headache. At the same time, I sent all documentation to the headquarter of the Bank in XXXX so they could proceed to clean my name with the XXXX main credit report organizations. I even received a letter from the Bank confirming that all had been resolved and that they were going to communicate the credit report organizations. Now, XX/XX/XXXX, I received a letter from a third party company saying that I own {$450.00} to the Fifth Third Bank and that after many attempts to reach me ( which was not true ) they will file a lawsuit to collect this debt if I do n't pay immediately. On top of the fact that I do n't know what this amount refers to, I am extremely aggravated by the fact that I am still have been charged for something I resolved properly after more than 3 years ago. I ca n't think of anything but bad practice in bad faith from the 53 Bank.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
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 2015-06-17
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Debt Holdings, LLC (TX)

I received a call from XXXX Arbitration telling me if I do n't pay a debt I owe to XXXX, They will put me in jail from fraud.XXXX I do have a debt with XXXX but the collection agency it is with is call United Debt Holdings not XXXX XXXX XXXX XXXX I never used any of my family members as references when I applied for the loan. I never had my bothers phone number until recently and they called him. XXXX ) I told them by law they are required to give me written documentation and the lady said she does n't have to give me anything. 
I am very frustrated because I have been scammed before and lost lot of money for this type of thing. I do n't want to be scammed again. Please help
Consumer complaint received 2023-12-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (CA)

I applied for the SAVE Federal Student Loan program the day the application was available through my student loan holder, NelNet. They just approved my application yesterday for the SAVE program where my payments and interest will be waived for one year ( until I re-qualify ). I am a single-mom of XXXXXXXX XXXX children and have a XXXX XXXXXXXX XXXX XXXX against my soon to be ex-husband. I am on welfare and food stamps because of his unwillingness to support his children. I can understand charging back interest from XXXX if someone was NOT approved for SAVE, but charging interest of {$1300.00} while their company took FOUR MONTHS to process an application is just morally wrong when it's someone who qualifies for XXXX payments and interest on SAVE due to being extremely low income.
Consumer complaint received 2023-09-14
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. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CO)

Nelnet has disabled their phone line and shut down all comments on their social media. 

If you call Nelnet the automated phone tree has been replaced with a high pitched squeal. 

This is absolutely unacceptable.
Consumer complaint received 2017-04-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I 've had a XXXX, now Navient student loan in the amount of {$5000.00} for the past few years. Since XX/XX/XXXX I 've made payments totaling a little bit over {$4000.00} and yet my loan amount has barely changed. According to XXXX I still owe {$4700.00}, even tho I 've made over {$4000.00} in payments. That just does n't make sense. In XX/XX/XXXX, I served as an XXXX XXXX XXXX, as a federal XXXX all of my loans private and federal were suppose to go into deferment. When I called XXXX to ask for public service deferment, they refused and the representative was rude to me on the phone. I explained to them that I was n't working and have a letter from the XXXX, proving my volunteer status and lack of income. The rep said that it did n't matter that I could not be granted forbearance or deferment. Then I called back to see if they could at least lower my payments and they refused that as well. After my volunteer service I started working and made payments when I was able to. In XX/XX/XXXX I experienced some hardship which resulted in my not being able to pay my full monthly payments. I called XXXX/Navient several times to ask for a deferment or forbearance and the representatives denied my request again. Since I was n't able to make full monthly payments, I paid what I could when I could, which was less than the monthly payments, but it was what I could afford. In XX/XX/XXXX, I became unemployed and called XXXX to try and see if they could at least lower my monthly payments or at least grant me forbearance. The representative I spoke with was very rude, she told me that if I could n't pay for my student loans that I should borrow money from people to do so. I told the rep that borrowing money from friends is not an option and how dare she even suggest that, I asked to speak to a manager and that individual was just as rude. I told them that I was unemployed at the time and would be going on a volunteer assignment for school. The representative, told me that there 's nothing that they could do for me and had the guts to tell me that I should be looking for work instead of doing volunteer assignments for school. When I responded and told her that she had no right to talk to me in that manner the representative proceeded to argue with me. They refused to lower my payments or grant me forbearance. Despite the fact that I 've been making payments when possible, Navient has continued to call and harass me and my cosigner. They called my cosigner and threatened to garnish his wages if they do n't receive full payments and call at least 5 to 6 times a day. I 've been making payments, thus there is no reason for them to behave in such a manner, they have caused us a lot of XXXX.
Consumer complaint received 2023-11-09
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. (CA)

To whom it may concern : According to the Fair Credit Reporting Act, you have a responsibility to promptly delete any information which is inaccurate or incomplete from my credit report so it doesn't get reported. I understand that this is your responsibility under the FCRA, and even if an account has only been speculated upon or never confirmed in any way, the burden falls on you to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights. The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you! 

XXXX XXXX XXXX Account # : XXXX Account Description : Individual The content mentioned above has never been certified to meet reporting standards. The data provided has never been proven to be accurate, complete, or up to date. In order to comply with any consumer legislation, documentation confirming compliance is required. 
The information supplied is insufficient and I demand that any wrong, incomplete, or unsupported material be deleted. 

Faithfully I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 

XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2023-12-14
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)

I am writing to dispute the validity of the account associated with my name that your agency is attempting to collect. I recently received a notice from XXXX XXXX, dated XXXX XXXX XXXX I have several reasons to believe that this account is an error, including but not limited to : 1. Identity Verification : The account in question does not match any transaction or credit history associated with my personal information. I have verified my records thoroughly, and there is no history of any dealings or financial agreements with the creditor stated in your notice.

2. Lack of Supporting Documentation : The information provided to me lacks any concrete evidence or documentation supporting the validity of the debt. I have not entered into any agreements with the alleged creditor, and I request that you provide detailed documentation verifying the legitimacy of the debt.

3. Potential Identity Theft : Given the absence of any record related to the mentioned account, I am concerned that this may be a case of identity theft. I urge you to investigate this matter promptly to prevent any further misuse of my personal information. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to removed negative marks from my credit report. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. 
Please review this and remove this as soon as possible. I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (NY)

Hi I am XXXX XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.