davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
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)

Identity theft is a serious issue that has not only jeopardized my financial stability but has also caused significant emotional distress. I want to reiterate that I have followed every proper legal procedure and requirement diligently to address this matter. It is important to note that, as a consumer who has diligently adhered to the proper legal procedures, the rejection of my identity theft claims contradicts the very principles of justice and protection that these procedures are designed to uphold. I strongly urge your bureau to recognize the gravity of this situation and the distress it has caused me. I insist that my identity theft claims are thoroughly reviewed in accordance with the law, and I expect the prompt resolution of this matter in a manner that reflects the seriousness of my situation. This is the account that was a result of ID-Theft : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX Please delete this account ASAP.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

I opened WF XXXX about XXXX months ago with 0 % int until XX/XX/XXXX. My avg balance of {$6000.00} was setup to auto pay IN FULL every month. This month 's min pay was {$68.00}. My XXXX bank account was temp halted for suspicious activity XX/XX/XXXX so the {$6700.00} PAYMENT IN FULL rejected. I logged in WF acct and paid {$3700.00} from BV and it was successful on XX/XX/XXXX well before due date of min payment due {$68.00}. I then logged in WF and paid the {$3000.00} remaining balance. It never posted so I called WF and had the rep request do another {$3000.00} payment. XXXX bank saw XXXX transactions as suspicious on XXXX and rejected. Since I paid {$3700.00} on XX/XX/XXXX well before due date and much more than minimum of {$68.00} all should be good. In the meantime a purchase of about {$190.00} on XXXX was declined. I logged into my WF account and was STUNNED a paid up to date NEVER LATE CC was canceled with no notice. WF customer service said closed for XXXX rejections. I paid off all new charges in full expecting they'd reconsider and reopen acct. Instead they kept my {$130.00} cashback rewards since acct is closed. Told me just reapply. I'll never do business with Wells Fargo again.
Consumer complaint received 2023-10-11
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My family pays our capital one bill using a certified check through XXXX XXXX. Have done for years. The XX/XX/2023 payment in dispute never arrived. We discovered payment mishap and canceled the certified check payment. Once the money was received back into our account I made and ACH phone payment to capital one. About 5-7 days later capital one found the missing check and tried to cash it- to their surprise it had been cancelled. Capital one then claimed they never got any money even after XXXX had taken it out of our bank account. Capital one opened its first investigation which ended XX/XX/XXXX letting us know they found the money. We have that letter. About 10 days later we found out another investigation had opened as now capital one said it didnt have the money. Capital one then asked for XXXX to open an investigation. They complied and about 5 weeks later on XX/XX/XXXX we can the acknowledgement that XXXX indeed made the error. Only now we also have an outstanding debt with capital one that capital one has doubled for no reason- in fact theyve opened another internal investigation as to why the amount owed doubled when no one has used the credit card in question.
Consumer complaint received 2023-09-28
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: ENCORE CAPITAL GROUP INC. (GA)

This creditor was reporting an account with all 3 credit bureaus using my personal information without my authorization. I disputed the account with 3 bureaus and the creditor under the same UCC Law. After the results were complete the account was deleted from XXXX but was updated as verified with XXXX and XXXX XXXX. I asked the creditor to delete that account from the other 2 bureaus as well because clearly there was inaccurate information being reported from this one account. I followed up with another dispute only for the company not to delete the items. Pursuant to 15 usc1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( a ) Reporting information with actual knowledge of errors ( b ) Reporting information after notice and confirmation of errors this company is in violation if several laws.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (FL)

When I initially took out the loan it was with a different lender. Since the new lender has taken over the account the bill has increased by 40 % + there is no explanation of these fees and I have asked for many times for payment plans and deferments. I was in the US military and was still harassed constantly by the lender while XXXX. They have violated many laws and the patriot act like which I reported to the big XXXX credit agencies at the time and nothing has happened and I continue to get swamped with interest. I have had this debt for more than XXXX  years and have tried many times to work with the different lenders, I would like a fresh start so I can get my life together.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-12
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I am a victim of identity theft. Fraudulent charges wiped the full balance on my card, totaling. {$10.00}, XXXX and I filed a claim with Bank of America on XX/XX/XXXX. To recover my funds. I submitted all requested documents including a FTC and law enforcement report. 
Bank of america did not provisionally credit my account wich is a clear and precise violation of the FTCA of XX/XX/1914, and after 90 days of having no update or information to give me, the claim was denied. I have since filed to reopen the claim, re submitted documents and still no resolution which has caused mental and economical anguish on my life.
Consumer complaint received 2023-10-11
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 Accounts 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, CA XXXX ; XXXX XXXX XXXXXXXX CT XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2023-10-11
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. (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 Accounts 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, CA XXXX ; XXXXXX/XX/XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ;XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Co LLC (MO)

I did a consumer credit transaction with XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX. My account was placed in collections and subsequently charged off, although I do not have the exact date of the charge-off. Despite this, I did not receive a Form 1099-C for my tax records. On XX/XX/XXXX, my account was transferred to collections, and on XX/XX/XXXX, I discovered that my account was updated by Debt Co Collections for an amount of {$340.00}. I am uncertain how this debt collector obtained my information, but I suspect it was purchased following the charge-off. This situation has caused a breach of contract in my consumer credit report and has resulted in various damages and injuries, including : XXXX. XXXX  - Due to being denied shelter while searching for accommodation. 
XXXX. XXXX XXXX- Damage to my reputation and resulting XXXX XXXX. 
XXXX. Personal Injury - Harassment from debt collectors has caused significant personal injury aswell deceptive practices that violate the FDCPA.

I request an immediate investigation into this matter to resolve these issues. Specifically, I ask that you : 1. Provide documentation and evidence of the original transaction and subsequent charge-off.

2. Clarify the lack of a Form 1099-C.

3. Investigate how Debt Co Collections obtained my personal information.

4. Rectify any inaccuracies or breaches in my consumer credit report.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This situation involves a previous complaint v XXXX who has corrected their error as follows : XXXX XXXX and XXXX are trade names of XXXX XXXX, a member of the XXXX XXXX. XXXX XXXX, Member FDIC. XX/XX/XXXX XXXX XXXX, AL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Account ending XXXX Dear XXXX XXXX, We received your request to investigate credit information on your account. We have completed our investigation and have removed the 30-day late mark for XX/XX/2021, the 60-day late mark for XX/XX/2021, the 90-day late mark for XX/XX/2021, the 120-day late mark for XX/XX/2021, and the 150-day late mark for XX/XX/2021. Accordingly, we have updated your credit profile on our system and will report the corrected information to the credit reporting agencies on XX/XX/2021. Please allow up to 10 business days for the credit reporting agencies to reflect the changes on their system. We apologize for any inconvenience this has caused you. If you should have any questions regarding this information, please contact our Customer Service Department at XXXX ( XXXX ). Sincerely, Operations -- Logistics Despite XXXX  correcting this issue immediately SEVEN months ago and now finally XXXX, Equifax apparently struggles to do the same as they still incorrectly reflect derogatory info on this account despite the XXXX letter copy pasted above clearly showing the account as XXXX  closed WITH NO LATE PAYMENTS ( charges were fraudulent and not my responsibility ) Without further delay, Equifax needs to ACCURATELY reflect my information INCLUDING my credit score which they gratuitously lowered OVER 100 POINTS from XXXX to XXXX. If all this is not enought their " system '' would not allow me to file a dispute because I filed with XXXX  ( XXXX  REPORT CORRECTED WITHIN 48 HOURS ). AS a mortgage loan officer in the XX/XX/XXXX's I've watched Equifax malfunction similarly dozens of times. Maybe it is time they closed their doors and left it to the pros @ XXXX. Please inspire them to fix this without further XXXX or delays or litigation will be initated. Guaranteed. Thank you. Respectfully submitted,
Consumer complaint received 2023-02-11
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc. (CA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (FL)

I am submitting this complaint against Nelnet Financial Services Company, regarding my student loans reported on my Credit Report and Federal Student Aid account. I am submitting this complaint because I have been attempting to request documentation on my student loans from Nelnet since XX/XX/XXXX and it has been an unsuccessful process. I have contacted Nelnet via email and telephone multiple times in the last six months. However, I do not receive a response or the documentation I requested to possibly get this matter resolved. I have requested copies of the Parent Plus Loan documents, Student Loan Breakdown, XXXX, and transfer documents from my previous loan servicer. The reason for this complaint is to report Nelnet for reporting that I owe the " Parent Plus Loans '' that were granted to me in XXXX. Per the Federal Student Aid Website, it states " A Direct PLUS Loan made to a parent can not be transferred to the child. You, the parent borrower, are legally responsible for repaying the loan ''. As the child, I am not responsible for paying back the Parent Plus Loans, this information needs to be reported to my parent. I have requested this documentation from Federal Student Aid and my previous institution, XXXX University. I was advised to contact Nelnet for this documentation, which I have not received a response to any of my requests. I will be attaching copies of emails on my requests to Nelnet, emails from XXXX University and Federal Student Aid regarding the Parent Plus Loan.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MO)

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 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. Comenity Bank/VCTRSSEC Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-11-12
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)

15 USC 1681e ( b ) According to the IRS canceled debt ( CHARGE-OFF ) is gross or ordinary income. Income dose not get reported on your credit report. So sinc income dose nt get reported on your cunsumer report. A ( CHARGE-OFF ) is inaccurate account and it have to be removed immediatelly.
Consumer complaint received 2023-10-11
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. (AL)

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  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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-11
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. (AL)

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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-31
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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