davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (NY)

I have never applied nor perform services or business with XXXX XXXX yet there is an inquiry all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquiries dated XX/XX/2022
Consumer complaint received 2023-11-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

I have reached out numerous times asking why I am still obligated to pay a loan back from a school who had false advertising practices. I didn't even XXXX because the misinformation I was given. The cost of the private loans have been inflated so high that I haven't even touched the principal amount. My loans never made it to default or delinquent because I was pushed into multiple forbearances as my only option because I couldn't afford for my credit to take a bigger hit than it was. I have XXXX kids to support and paying almost $ XXXX for student loans that I can't do anything with because the school no longer exists is absurd. Since the federal govt already ruled to forgive student loans for all XXXX XXXX students, why should I still suffer by paying almost $ XXXX for nothing? I'm just trying to take care of my family and I can't even put medical bills first because of student loans.
Consumer complaint received 2023-07-12
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. (MA)

I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to Equifax on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from Equifax regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following is the detail of the inaccurate information and the required correction : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$500.00} The above account was never late, contrary to the information on my credit report. I kindly request Equifax to correct this inaccurate information on my credit report.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 USC 1681. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I am following my old complaint # XXXX which is closed now. So I created a new one. 

I want to close an account ( # XXXX ) that was fraudulently opened without my permission in the USAA bank in XXXX. I know that USAA Bank has already declined my request because of a lack of evidence of bank error. 

Also, I want the USSA bank to provide me with what kind of evidence the bank has that I personally opened this account. 

Also, I want the USAA bank to provide me with information about what type of document the bank accepted as proof of address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) for opening an account # XXXX thief provided. If it's possible I'd like to receive this document I am asking the USAA to provide me with this information because from XX/XX/XXXX to XX/XX/XXXX I wasn't in the USA at all. That means that in XXXX when account # XXXX was opened I could not be legally in the US at this period of time and I could not provide any legal US documents to open this account. That's why I'm sure that the document " Proof of address '' that the thief provided ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to open this account was fake. 

So I am asking to answer these questions : - How did the thief open this account with fake documents? 
- How did the USSA bank accept this fake document in XXXX ( when I wasn't in the US and didn't have any legal status to live here since XXXX ) - Why the USAA bank doesn't want to close this fraudulent account without any evidence that I've personally opened it - Why the USAA bank doesn't request evidence from me that I am not liable for this account? I can provide scans of all the pages of my old and new international passports with a XXXX XXXX I had in XXXX ( when I received my SSN ) that expired in XX/XX/XXXX, and other traveling history in XXXX till XXXX when I again came back to the US with a new legal status to live in the XXXX for UXXXX  XXXX XXXX XXXX. Just let me know where I can send it. 

Thank you, XXXX
Consumer complaint received 2023-07-17
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. (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 these items immediately. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-17
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-07-17
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (TX)

ON XX/XX/2023 I PAID IN FULL OWED AMOUNT OF XXXX PLUS XXXX IN PRE PENALTY FEES PLUS XXXX  APROX ON RESERVES ESCROW IN CASE THEY NEEDED THE MONEY. 

THEY HAVE NOT ISSUE A PAYOFF LETTER LIEN RELEASE ON COUNTY REFUND OF XXXX APROX ON UNPAID HO INSURANCE TO XXXX  REFUND OF XXXX XXXX PAID IN FULL ON XX/XX/2023 FOR UNDETERMINED RESERVES AND PAID BY ME DETAILS ON PAID 2023 PROPERTY TAXES ( HOW MUCH DO THEY PAID AND HOW MUCH IS PENDING )
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (SD)

Discover credit card, wouldn't understand the death of a family member on XX/XX/XXXX, because of XXXX about what this bank put XXXX XXXX thru, last 5 years I'm his cousin XXXX XXXX and was told. We in the family can not and I'll repeat again " we can not not pay off his scam account off of XXXX I'm not repeating this again in 2023 to any bank or business
Consumer complaint received 2023-07-17
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. (CA)

Cfpb reinvestigation complaint 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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2023-11-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CT)

On XX/XX/XXXXXXXX  I accepted a new credit card at XXXX XXXX XXXX XXXX XXXX FL. I received an electronic statement dated XX/XX/XXXX. I erroneously created a billing which had transposed my credit union and bank routing and account numbers and so my payment was returned on the XXXX of XXXX. I was charged late fees and interest before I realized that the account was not paid in full. The XX/XX/XXXX statement ( now more than double the original charge ) was paid in full on the XXXX of XXXX. The XX/XX/XXXX statement charged a {$2.00} interest on a " balance of {$24.00} ''? this interest calculation was {$0.00} but the minimum charge of {$2.00} was added to the statement. Knowing that I HAD paid the balance in full, I did not open any statements from Comenity.net/Goodsamrewards. It was not until I started getting frequent phone calls from Comenity, and ultimately messages left. I have documented all of these for you in an XXXX spread sheet Their excessive calls are outside of the law, and as before ( XXXX XXXX  ). I have absolutely NO intention of paying this outrageous collection of interest and late fees for a bill paid in full prior to the due date.
Consumer complaint received 2022-12-20
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 name : XXXX XXXX # XXXX, Account name : XXXX XXXX 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 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 2023-10-15
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. (IL)

15 usc 1681 section 602 : I have the right to privacy.

15 usc 1681 section 604a section : Consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666 ( b ) : 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 2016-02-23
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: YKS Acceptance, Inc. (CO)

On XXXX XXXX, 2014 I went to Herbies Auto Sales to look around but because none of their cars have prices on them, I went in to talk to a salesman. I told them I was a first-time buyer and did n't have much for down payment besides my vehicle trade in, which I got {$250.00} credit, toward a XXXX XXXX XXXX. I was n't told the price until I took a test drive and looked the vehicle over. Once that was done I sat at the dealers desk for a couple hours while he " consulted '' with his supervisor. I asked for a car fax and after some time I was told that the computers are slow but it was looking good. Still unsure, the head salesman came to talk to me and assured me I was getting a good vehicle and he would n't have that vehicle for much longer if I chose to sleep on it. Once I agreed it was all fast they had XXXX different people talk to me, the first was about the warranty, second for the GPS, Low-Jack, In-house insurance, and the consequences of missing a payment. I 'm pretty sure they were getting close to closing, because everyone was in a hurry to get everything signed. So, now I 'm sitting on a 4yr lease with the option to buy It after, for {$1300.00}. In total I would pay a little under {$18000.00} for the lease. I paid {$100.00} for the GPS. The truck has shut off on me twice, with loss of fuel, power steering, and eletrics. After 25-30 minutes the truck turns on with no issue and continued. The second time I had it towed to Herbies, by Herbies and was charged for the tow and told that the warrenty company would reimburse me. Not ony did I file the vehicle issue with the warrenty company but I was n't reimbursed. I was told that the Herbies mechanics looked over the truck and found nothing wrong with it but I could leave it with them so they could try and recreate the issue, but the miles put on the truck would also count against my warrenty miles. I 'm trying to come to a resolution where I do n't get charged 300 % XXXX value.
Consumer complaint received 2023-11-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FULTON FINANCIAL CORPORATION (DE)

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Cash price of vehicle {$26000.00} plus taxes, tags, fees {$30000.00}. The finance contract with Fulton Bank was for 72 months at 4.30 % APR. The dealership did not complete the filing with XXXX Motor Vehicle Administration, which I did not find out until I paid off the vehicle on XX/XX/XXXX and tried to obtain a copy of the title from Fulton Bank. When Fulton informed me they never received the title, I went to XXXX and was informed that the dealership had failed to complete the filing resulting in the non-issuance of the title. How can a financial institution accept {$30000.00} from a consumer for a vehicle they don't have the title for? I now reside in XXXX, I am unable to register my vehicle in the state that I reside without the title, and I am unable to renew the registration with XXXX without a valid registration/title. I also can not prove ownership of the vehicle that I have paid for in full.
Consumer complaint received 2023-11-29
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: Nelnet, Inc. (GA)

I began disputed non factual information on my credit report and illegal practices of dept of education/Nelnet on XX/XX/2023. They claim that they are not in violation which they are along with XXXX XXXX and XXXX. Nelnet has a contract with department of education which violates my privacy and several consumer rights. Proof is a letter they sent XX/XX/XXXX they state they dont have to disclose the right to opt out when 15 USC 6802 ( b ) A states that a financial institution can not disclose non public information to a 3rd party unless they allow the consumer information and opportunity to consent which i the consumer never did. The cra are 3rd parties furnishing private information on a public record. These accounts need to be removed. Also all 3 bureaus are NOT reporting the same information on the same accounts which is another violation. XXXX and XXXX are still investigating the matter meanwhile XXXX falsely claims to have investigated the matter. Each bureau should be on the same accord. XXXX and XXXX report late payments which is a violation of FCRA to furnish late payments because they are considered transactions. XXXX has a higher balance where XXXX and XXXX doesnt. This was not a matter to investigate. It should cease and desist from furnishing private information to a public third party without my consent or option to opt out. How did XXXX make a decision before Nelnet. XXXX closed their investigation XX/XX/XXXX meanwhile Nelnet made their decision XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023, a parent on my youth XXXX XXXX sent her payments for her XXXX and XXXX XXXX to my account via XXXX. The XXXX fee was {$90.00} and the XXXX XXXX  fee was {$75.00} and both sent to me the same day but 2 different transactions. Wellsfargo was notified on XX/XX/2023 by XXXX XXXX that the transactions were fraud. I advised Wellsfargo that the transactions where not fraud but they suspend my account XXXX token. Wellsfargo advised me to notify XXXX that she must cancel the fraud claim with her bank and once that done then my account restrictions would be reinstated. I spoke with XXXX and he stated that there is nothing he can do and he would not advise me of XXXX account. As for a supervisor and they stated no one is available and sent to escalation line. He stated that there is nothing to do with the claim and provide me with no way to help me.
Consumer complaint received 2023-11-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (ND)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I have disputed the claims of this collection debt many times. I have no knowledge of any of these debt collection agencies. I have only ever received one attempt at them confirming a debt, but that was a only a mailing of a statement with my name printed on it. I have not once seen any physically signed contract or agreement that these accounts were/are owned by me. Some collection agencies even resell the debt to keep it alive and on your record ( falsely and illegally ).
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Under 15 USC 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 2023-11-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (NC)

I was a victim of the XXXX data breach - delete this account immediately Collection : {$310.00} Opened Account status Type Responsibility Remarks Original creditor name XXXX XXXX XXXX ( XXXX mos ) Open Individual Consumer disputes this account information XXXX XXXX