davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (TX)

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 Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

AFNI is erroneously reporting a collection from XXXX whom I never had business with .... I contacted AFNI on multiple occasions for 5 months now who keeps telling me they can not find this account in their system, NOT by my social, NOT by my address, NOT by account #, and NOT by address. Advised me to contact XXXX again and again XXXX   came back stating this account was validated byt AFNI and it is still on my report .... why is it ok for AFNI to damage my credit and how they can validate this to the bureau but can not provide me the consumer with details of the account ....
Consumer complaint received 2018-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MO)

I called Midland Funding LLC on XX/XX/XXXX, I told them I could pay one amount and have the charge done. I offered to pay {$350.00} of XXXX. I was told the offer only stood for today. They kept telling me the account was in a " pre legal '' status. On XX/XX/XXXX, I told them that " pre legal '' meant nothing. They offered me a different amount of a settlement of {$500.00}. Then came back with {$470.00}. I asked for it to be sent in a letter, and I was told it was " only good for today. '' They refused to mail the letter. I said, that's against the law, you have to provide it in a letter if I ask for it. They wanted a date for the letter to expire. I said no. They refused to answer my questions. In addition, I asked for the recording of the call, and they said it couldn't be provided. This company is awful, and a scam.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX  and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (KS)

I started paying on my loans XXXX I had some Forbearance. It is going on 24 years that I have been paying. I called 4 years ago and asked how many more years I had to pay and was told 3 years. After 3 years I called because I was still paying and was told my loan would be paid by that XXXX, I'm still paying. I was looking at my statement and it show I have a consolidated loan XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX the original principal amount was {$10.00}, XXXX, my principal paid through XX/XX/XXXX is {$9700.00}, interest paid through XXXX {$14000.00}. Total amount paid through XX/XX/XXXX {$24000.00}. XXXX XXXX the original principal amount {$7200.00}, principal paid through XX/XX/XXXX {$8400.00}, interest paid through XX/XX/XXXX {$12000.00}. Total amount paid through XX/XX/XXXX {$20000.00}. I called Nelnet and asked how long my loan was for, I spoke to a XXXX and she told me XXXX. I asked why I have paid almost {$45000.00} on a {$17000.00} loan and was told because of the Forbearance. I said according to this statement my loans are paid and now I'm just paying interest. I was told to consolidate my loans and I have 13 months more to pay as of XX/XX/XXXX. I feel these loans are paid for and it's taking advantage of people. Nobody should have to pay {$45000.00} on a {$17000.00} loan. There is nothing on my statement showing my loan term or payments remaining
Consumer complaint received 2023-10-06
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. (NJ)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IN)

I am locked out of my house. I am temporarily living with my XXXX XXXX  while recovering from multiple hospitalizations. 4 hospitalization stays in the last 2 years. Last discharge date was XX/XX/XXXX. Last long term stay XXXX XXXX XX/XX/XXXX. I have a year from this date to return home. My medication is being adjusted and because of my age and weight its a slow process. I have also had to evict my grandson from the property as he was stealing from me and abusing me while I was living with him. All of my money was taken by him to gamble away. There is a elder abuse case in XXXX XXXX XXXX. My XXXX  arranged for the reverse mortgage and then he stole the money from the house. The money was deposited into my checking account and then he transferred the funds into his account. XXXX XXXX bank failed to monitor bank account transfers, they should have caught the illegal transfers my son made. My XXXX  is deceased and I cant do anything about that now. It took me a year to get my grandson out of the house and then XXXX XXXX XXXX, hired by XXXX  mortgage, entered my home illegally. They said it was abandoned. It was not. I had a lock box on the front door because I was having repairs made. My XXXX caused a lot of damage. He sold off a lot of my possessions. My XXXX XXXX  called guardian asset management and notified them that they had taken possession of my property and it was not abandoned. My property manager has been over several times and the lock box remains. They changed the locks on my house and I dont have the keys. It has been 2 weeks since they were notified and I still cant get into my own home. The property has a reverse mortgage and they are trying to force me out! I have never received a penny for my house! I was scammed by XXXX XXXX and the mortgage company. I never knew he could take cash out. I have vision problems and cant see very well. This is being typed by XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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: LEXISNEXIS (NC)

On XX/XX/2022, I called XXXX about what vendor they use to verify public records reporting on a consumer report. I was told by the representative XXXX that they use third-party vendor LexisNexis to verify public records information. I asked them do they look at supporting documents that are sent over and the answer I received was no they do not ; they send it directly to the data furnisher and let them verify the information. The problem I am having is if this information is being verified then why is it not being reported by them. I contacted XXXX and I got the same story as XXXX and what's frustrating is I am sending them proof that the Chapter XXXX XXXX does not belong to me.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Addresses Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
This address is incorrect. Please remove. 
Date reported is XX/XX/XXXX. 
Please remove. 



Address Reported : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX This is the correct address but the Date Reported is incorrect. 
Please correct. The CORRECT Date Reported should be XX/XX/XXXX. 
Please Update. 



Address Reported : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX This is a duplicate address. 
The address is correct but its a duplicate and I only need XXXX address listed as XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, FL XXXX And the Date Reported is : XX/XX/XXXX this is incorrect The Date Reported should be : XX/XX/XXXX Please Correct. 



Address Reported : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
Date reported XX/XX/XXXX. 
Can you remove this address, this is an incorrect address.
Consumer complaint received 2024-05-16
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: CITIBANK, N.A. (PA)

RECEIPT OF THIS COMPLAINT IS ACCEPTANCE OF ALL TERMS STATED HEREIN. 

I've received a letter from XXXX XXXX XXXX, XXXX dated XX/XX/XXXX as a response to my previous CFPB complaint sent on XX/XX/XXXX. The complaint number referenced is : XXXX. In that complaint I demanded XXXX XXXX XXXX, XXXX to provide full disclosure and original accounting documentation proving their lawful right to continually report derogatory information to each of my consumer reports. The referenced account number is : XXXX. The referenced balance is : {$900.00}. I refuse to pay this alleged debt. No contract between XXXX XXXX XXXX, XXXX and I, the consumer exist. I demand this information be deleted from each of my consumer reports immediately and permanently. I am in possession of photocopied/manufactured documents containing both false and misleading information. As a debt collector/buyer, XXXX XXXX XXXXXXXX is well aware that providing misleading statements is a direct violation of the Fair Debt Collection Practices Act. This act of non-compliance proves their willful negligence in continuing to report derogatory information to my consumer report that is both damaging and defamatory. XXXX XXXX XXXX has neither properly verified or validated anything according to law. XXXX XXXX XXXX, XXXX is listing Citibank N.A. as the seller of this information and themselves as the " present creditor ; both direct examples of fraud and intentional misrepresentation. These derogatory items actively reporting on my consumer reports are direct examples of libel. All of which are keeping me under duress. XXXX XXXX XXXX, XXXX is acting with malice and reckless disregard. The bill of sale included in their documentation further displays their attempts at extortion and an outright display of an inequitable transaction that continues to cause harm to me as the injured party. According to XXXX XXXX XXXX, XXXX documentation, Citibank NA charged off the alleged account, recorded such as company loss, received a tax break, sold it to XXXX XXXX XXXX, XXXX for profit and never provided me with the IRS form XXXX for tax purposes to claim as income on my taxes. It is a violation of law to report income on a consumer report. Again, how are these actions equitable to me, the consumer? It is not. If XXXX XXXX XXXX, XXXX is in fact, the present creditor on this alleged debt, I will be requesting a forensic audit according to XXXX from the IRS. I will also be requesting a forensic audit. I am submitting IRS form 3949-A for both companies listed on XXXX XXXX XXXXXXXX XXXX XXXX documentation sent to me dated : XX/XX/XXXX. 

RECEIPT OF THIS COMPLAINT IS ACCEPTANCE OF ALL TERMS STATED HEREIN.
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (WA)

I applied for a Secured Card from Wells Fargo in XX/XX/XXXXwith the hope to build credit history and on their word heard that I would be able to apply to upgrade to a credit card when my credit score is built up. I had to keep a deposit of {$300.00} and so I did. I stepped in the bank one year later, in XX/XX/XXXX requesting to fill the application for upgrading to the regular credit card and I was denied the request to upgrade because I am not a XXXX XXXX of this country. That seems unfair and un-moral given the prior information they gave me when I applied for the secure credit card. This is a warning which should be given prior because I am now stuck with a secure card, paying a yearly fee, with {$300.00} of my earned money stuck with a bank.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

My spouse submitted a balance transfer request through her creditor XXXX XXXX  ( XXXX XXXX XXXX XXXX  ) on XX/XX/year>. She received notification on XX/XX/year> that the balance transfer payment was received and the check cashed on XX/XX/year>. That payment was never applied to my credit card balance. What we have gathered is that the payment was submitted through XXXX XXXX who still had old financial institution information for my creditor. I used to have an account through Barclay 's, but they sold my account to XXXX XXXX. Therefore, the payment from XXXX was sent to Barclay 's instead of to XXXX. I reached out to Barclay 's in XXXX, but since they no longer have my account- as it was sold to XXXX- they had no way of looking me up to determine if they received a payment for my account. They also had no idea who to transfer me to and suggested I reach out to XXXX. I did reach out to XXXX and on XX/XX/year>, they notified me that they have no record of the payment that XXXX XXXX sent in XXXX. I submitted a copy of the cashed check to XXXX for them to look into further. On XX/XX/year>, they notified me that they have received the documentation and were researching my claim. On XX/XX/year>, I received a final letter from XXXX stating that they " found that this payment was cashed by the previous lender of your XXXX Extra Points Visa account. We ask that you please contact the previous lender for any questions regarding this payment. '' We have already tried to contact the other lender ( Barclay 's ), but they have told us that there is nothing they can do because there's no way to look me up in their system. I have verifiable proof that Barclay 's received my money, as they cashed the check, but they don't know where the money is or how to get me to a department that does know. Now that this money has been lost, my wife is paying for the balance transfer on her card while I am still paying for the " balance '' on my original card. By submitting this balance transfer, we doubled our debt, and Barclay 's effectively stole {$8900.00} from us.
Consumer complaint received 2023-04-19
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (MD)

I made a payment from my XXXX XXXX account to my Goldman Sachs Apple Card of {$6500.00}. It was processed XX/XX/2023. I accidentally mis-typed the last 4 digits of the card to apply the payment to. I notified XXXX and they told me the payment was already sent and that I should talk to Goldman Sachs. I notified Goldman Sachs and they told me they didn't accept money from other credit card companies. I asked where it stated that in their XXXX XXXX and the supervisor I was speaking with had no answer. I was looking at the XXXX XXXX and it does not state that anywhere. She just kept saying " we don't accept balance transfers. '' I asked if they accepted EFTs and she refused to answer me. She said she would put in a complaint on my behalf about updating the XXXX XXXX and that was all she could do for me. 

I spoke with XXXX today and was advised that Goldman Sachs had failed to respond to their inquiry about my money. I called Goldman Sachs to put in a " Missing Payment Dispute '' because I have the check trace number on the payment. The girl I spoke with said she would put in a complaint for me but refused to take the check trace number because she " didn't know what to do with it. '' She said her supervisor told her they " have no way of tracing '' my money, despite the fact that I have a check trace number, dollar amount and date Goldman Sachs received it. 

I have been told by XXXX that they have no way to retrieve the money from Goldman Sachs and Goldman Sachs is refusing to look for it. So this looks like Goldman Sachs is making out big time- they got my {$6500.00} AND they are still billing me interest on the credit card with a balance over {$6500.00}. I made a typo and tried to fix it and nobody at Goldman Sachs is trying to help.
Consumer complaint received 2018-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

I do not live in the XXXX. I live most of the time abroad, serving at the XXXX University and working with the XXXX XXXX XXXX. in XXXX, XXXX. During the summers, I return to California. I use Wells Fargo for the vast majority of my banking needs while abroad, and for all of them when I am in California. 

Despite the fact I do not live in Indiana, they sold my account to a different XXXX  branch. They admitted this was a mistake during my first phone call, but then they never fixed it. I have been on hold for over 10 hours total on at least five occasions. My latest call took nearly two hours, but XXXX XXXX ( the customer complaints person ) refused to give me to a supervisor and was unwilling to help me. 

I want to keep my account with Wells Fargo. I do not want it to transfer to this new bank.
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (VA)

I cancelled XXXX XX/XX/XXXX. My final bill ( account number XXXX statement date XX/XX/XXXX ) showed I had an overpayment of {$30.00}. I returned the equipment in the box that they sent me using the US Postal Service in XX/XX/XXXX. I am now receiving collection action from ICSystem in the amount of {$280.00}. They told me this amount is partially for equipment and part unpaid bill. I know I don't owe any bill because I have the last statement showing that they owe me. I sent back all the equipment. I can not find the receipt from the post office. They told me all I can do is go online and tell them I want to dispute it so they can research it but the online forms makes me put in a date and tracking number and they know I don't have either and there is nowhere for me to show them that they say its for an unpaid bill but they owe me. I think they are taking advantage of me because I am a senior. Please help me. I do not owe them money, they owe me money. I attached my last bill and the collection bill. Thank you.
Consumer complaint received 2023-02-25
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, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account number ending in XXXX XXXX XXXX Account number ending in XXXX XXXX XXXX Account number ending in XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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.