davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

In XXXX of XXXX  I started disputing inaccurate and fraudulent items listed on my credit report with Experian. On several different occasions over the last 9 months the have responded to my disputes alleging that the disputes were not sent or authorized by me when they were in fact sent by me. In XXXX of XXXX  I went as far as to write a personalized note on the letter stating that it was in fact from me and circled my signature sowing that it was the same as the signature on my license and passport. In XXXX, upon the request of Experian I complete an FTC Identity Theft report and sent it to them for accounts, addresses and inquiries associated with fraud and they still claim to have verified these items or refused to investigate and remove them from my credit file.
Consumer complaint received 2024-02-29
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. (MS)

The credit bureaus are mishandling my credit files. There are 3rd parties listed on my credit reports giving out fraudulent information. The credit bureaus are in violation of the Fair Credit Report Act of 15 USC 1681 Rule 624 in that they are governing the unfair and fraudulent reporting from these third parties. Under Rule 624 - the opt out rule - I am asking that all third parties not report any information on my credit report. I am asking that my credit report only reflect the relationship/outcome/status from the original creditor only. I did not sign any papers giving any creditor collection company relationship in any of my credit affairs. To have a 3rd party person of whom I have not signed a relationship with ; of who I did not receive a service nor product from violates my 14 Amendment Rights to equal Citizenship. You do not have 3rd parties reporting on other Citizens credit who are given positive credit ratings. I am due the same rights with my negative ratings as well. This is equal Citizenship rights. When I fail to pay a financial dept the laws of this country have penalties in place to sanction this type of wrong doing. That debt is repaid by 7 years of retaliation from others not even involved. When someone commits a murder. We can not kill that person for killing someone else. Then for you to allow collection companies to purchase my debt from someone else and expect me to pay them violates my constitutional rights.
Consumer complaint received 2024-02-03
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I had someone take XXXX $ out of my acct on Friday the XXXX of XXXX I was at home with my card in my possession when I received a text message that there was a withdrawal of XXXX $ I called the bank right away! They denied my claim without even speaking to me or trying to contact me. I have never used my card at that location. I didnt give my card to anyone or share my pin with anyone
Consumer complaint received 2023-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I have NO knowledge of the TWO accounts being reported by this COMPANY!! I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY. I HAVE NEVER HEARD OF THIS COMPANY!! I AM VERY UPSET THAT THIS COMPANY HAS MY PERSONAL INFORMATION. I AM HIGHLY EMOTIONALLY UPSET THAT THIS COMPANY IS CONTACTING ME!!!! I AM HIGHLY UPSET THIS COMPANY IS REPORTING TWO UNKNOWN ACCOUNTS WITH BALANCES TO MY REPORT THIS IS OUTRAGEOUS!!!
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

I applied for the SAVE application through the FSA website as instructed. I approved the IRS form submission for income verification. After about 10 days I called Nelnet on XX/XX/XXXX and was on hold for XXXX hour and XXXX minutes before speaking to a representative. When I did speak with them, I asked what the delay was in processing the application. I was told I needed to submit a recent paystub to verify income. The representative told me a message/email was sent regarding this verification request, but I have not received any sort of notification. 

Once I submitted my recent paystub through Nelnet 's document portal, I was instructed to pay a {$5.00} transfer fee to be removed from the IBR plan. I have now paid this {$5.00} fee twice, once for {$5.00} on XX/XX/XXXX and another {$4.00} on XX/XX/XXXX. As of today ( XXXX ) I am still getting a popup notification when I login requesting that I must pay another {$5.00} in order to process the SAVE application. 

Currently my listed repayment amount is {$650.00} due on XX/XX/XXXX. My account is still accruing interest even though it has been assigned " Idr Proc Admin ''. According to the website currently, my " Payments will begin in XXXX, XXXX.Your payment amount will be shown on your statement three weeks before your due date. '' Which is XX/XX/XXXX I have no way to know if the application is currently being processed correctly because of lack of communication, and have no way to reasonably plan what to pay when the due date comes until only XXXX days prior. Which is not enough time if the XXXX estimated payment plan is somehow different from the actual repayment on XX/XX/XXXX. 

Yet the FSA website is telling me my payment should be around $ XXXX over XXXX  month ago.
Consumer complaint received 2024-04-24
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-17
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. (NE)

Today, I reviewed my credit report and noticed several hard inquiries that I did not authorize. It appears these inquiries are related to automotive loans. 

These are the hard inquiries companies : Inquiry : XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I used my debit card on a website roughly XX/XX/XXXX. It was a scam and on the XXXX or so they started charging my debit card for over {$4000.00} on things like XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX reoccurring payments, etc over XXXX charges in a matter of hours. I called and had the card cancelled immediately. The phone attendant cancelled the card but failed to close the case. I spent XXXX hours in-person at a local bank location and they basically just called the same number I could call from my cell phone. Bank of America did stop many of the purchases before they could process, but there is still significant amount of charges that the bank has been investigating for two weeks. I received a email message yesterday that the bank reached a conclusion. The outcome of the investigation was that they would not pay for the more than {$3000.00} in remaining charges that were fraudulent. I called and spent over an hour today asking them to please reopen the investigation and to call me if there are any issues or questions. They were supposed to call me tonight to report on the outcome but did not. I have zero faith they are going to err in my favor given the terrible customer service Ive received thus far.
Consumer complaint received 2023-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kovo (NM)

Back in XX/XX/2023 this came up with another loan yhat I never supplied for. I don't know what Kovo is and I never got a loan in another town with XXXX XXXX. I have disputed them numerous yikes but it's still there.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX  They said I had a payment that was late on XXXX I called them they remove the balance because I was never late, but it still has a late payment which I never owed in XXXX  child support. Do not report to credit. Please delete this account. They keep adding negativity things to my credit. Thats not true. Please delete this I dont owe them anything, and this is not a account never borrow money from them never
Consumer complaint received 2024-04-24
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: EQUIFAX, INC. (NY)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-04-14
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fay Servicing, LLC (GA)

I have received notices about my payments. I have had several phone conversations with Fay Servicing. 
XXXX XXXX XXXX XXXX To process a payment on XXXX I was told the payment was processed it will take a couple of days for the bank to release the money. .I called them back on the dates above and they said on the XXXX XXXX they were seeing the payment was received. I called back on XXXX because the money was still showing in my account. Fay Servicing notified me that my home was in foreclosure but she could not give me any information until Wednesday XXXX and I would be responsible for legal fees. I was informed that they had the wrong banking information for my account. And I need to make sure the information is correct. Although they put the information into the system I see where they had ben involved in class action law suites before and now I see why.
Consumer complaint received 2023-11-03
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. (KY)

.In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I contacted XXXX XXXX and they requested the account be inserted for a few months and the information hasn't been added to my report. Equifax is not reporting XXXX XXXX charge card that I'm an authorized user on. The account ends in XXXX. It was last report XX/XX/year> and will be reported again in XXXX however Equifax isn't reporting at all.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2023-11-03
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. (MD)

I am submitting this formal complaint about XXXX, XXXX, and TransUnion, for violating the following laws related to my consumer report : 15 U.S. Code 1681b ( g ) ( A ) ( 2 ) : Permissible purposes of consumer reports 18 U.S. Code 6802 : Wire fraud Specific Violations of U.S. Code : 15 U.S. Code 1681b ( g ) ( A ) ( 2 ) states that a consumer reporting agency may only furnish a consumer report if the person requesting the report has a permissible purpose for using the information. I did not give my permission in any form for XXXX, XXXX, and TransUnion to report the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  18 U.S. Code 6802 states that it is a crime to knowingly transmit false or fraudulent information in interstate or foreign commerce. XXXX, XXXX, and TransUnion transmitted false or fraudulent information about me to potential creditors and employers by reporting the accounts listed above without my permission. 

Here are the specific examples of Unfair, Deceptive, and Abusive Practices : XXXX, XXXX, and TransUnion reported the accounts listed above on my credit report without my permission. 
I have not been notified of the accounts listed above being reported on my credit report. 
The accounts listed above are inaccurate and have damaged my credit score. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX, XXXX, and TransUnion 's practices and take appropriate action to protect consumers from XXXX, XXXX, and TransUnion 's unfair, deceptive, and abusive practices. I would also like to be compensated for the emotional distress and financial losses that I have incurred as a result of XXXX, XXXX, and TransUnion 's actions.
Consumer complaint received 2024-04-24
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: GOLDMAN SACHS BANK USA (FL)

My XXXX  company notified me that my bank returned a XXXX  payment due to insufficient or uncollected funds. I spoke to multiple managers from Marcus by Goldman Sachs, who shared that this was incorrect and that I had the balance to cover the funds. My XXXX  company was able to provide me proof that the funds were returned. This resulted in me paying a XXXX NSF fee, a {$150.00} late fee, and a XXXX dollar credit card processing fee. I have been waiting several weeks for a representative to contact me. At this point, I request that Marcus cover the charges for the fees charged due to their returning the funds. 

The managers spoken to : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX All of my attempts since XXXX should be documented at Marcus since the XXXX of XXXX.
Consumer complaint received 2024-02-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AR)

LVNV Funding and XXXX XXXX XXXX has violated Arkansas Code 4-59-101 ( 2 ) in their attempt to collect an alleged debt and continues to violate the Fair Debt Collection Practices Act by reporting this alleged debt to the consumer reporting agencies
Consumer complaint received 2023-10-27
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. (MI)

in accordance with the Fair Credit Reporting act 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 ( ALLY FINANCIAL ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-03-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: E Mortgage Capital, Inc. (IL)

On Saturday XX/XX/2024 I filled out an application with my current lender to refinance the mortgage on my home. 
After I completed the application, I received a text from a XXXX XXXX NMLS # XXXX with E Mortgage Capital. I ignored the first 2 or 3 texts. On Tuesday XX/XX/2024, I received a text from XXXX, except instead of the text asking me to reach out to him, this text included a quote. Not only did the quote outline refinance options, it also included my credit score. 
At this point, I responded ( for the first time ) asking who he was, since I did not reach out to anyone but my current mortgage company about the refinancing. His response was they were a preferred lender with XXXX and XXXX and " that is how we caught wind of your recent mortgage application. '' If this unsolicited quote was not disturbing enough, XXXX sent this information to an unverified cell phone number. XXXX had no idea who he was actually texting. 
I did not give E Mortgage Capital permission to create a quote or even contact me. I did not even respond to the initial text messages, and yet XXXX and E Mortgage Capital felt they had the right to not only contact me but actually create a quote. 
I asked that I not be contacted again from them.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I filed a claim with Wells Fargo about purchases/transactions made internationally using my debit card. They said they investigated and decided that I authorized the purchase or I even did it myself, and the purchases were made with the actual chip of my card even though Im in the US, and my card wasnt lost or stolen and i carry with me 24/7. In the app the method of the purchases is described as digital wallet tapped. There are actual purchases made by me here where I live ( XXXXXXXX XXXX  ) in between the purchases made in XXXX ( XXXX XXXX ) which should be enough to prove that I didnt do the purchases as it is impossible for the same card to be in different countries in such a short period of time. Either way, they say the claim is closed and theres nothing more that they can do. I filed a police report today ( XX/XX/XXXX ) about this situation. Purchases made on these dates : XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX a total amount of {$88000.00}. 
Theres even and internacional fee being charge which is another proof someone abroad cloned my card and made purchases. 

Wells Fargo claim number : XXXX
Consumer complaint received 2024-04-24
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: EQUIFAX, INC. (GA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX. You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified.

PLEASE DELETE the following account immediately for failing to comply with FCRA. 

XXXX XXXX XXXX THANK YOU FOR YOU TIME
Consumer complaint received 2023-11-03
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (PA)

I was XXXX XXXX XXXX XXXXXXXX, 2023, XXXX was stolen along with my ID, bank and credit cards and other valuable items. I contacted XXXX via phone and going to store, only to be told they couldnt help me because I didnt know my pin. Couldnt get a replacement under my insurance plan because I didnt know pin. I never received a bill but received a collection letter at my grandparents house. As a victim of crime its unfair that company couldnt help me before canceling my account. I filed dispute with debt collector and see that the problem was the bills were being sent to the wrong address. I contacted XXXX and they said its nothing they could do because they reported to collection agency already .I have a police report for proof. Just dont want collection agency to place on my credit report due to unfair communication from XXXX. Notice the wrong address on bill and grandparents address on collection letter.