davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (PA)

As stated in previous complaints, I applied for SAVE on XXXX, wasn't processed. Last week ( XXXX ) was told I had to pay {$5.00} to switch to SAVE. Today I received an email and I am now on the Standard plan. Never applied for the Standard plan. I want my {$5.00} back and I want someone competent to explain how someone was put into a plan that wasn't applied for and previous to covid was also on an income driven plan. Very angry and frustrated.
Consumer complaint received 2022-12-20
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. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the items below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (KS)

Wells Fargo along with their counter partners XXXX XXXX, XXXX, and other sister companies have conducted an illegal campaign against me. The banking system has prevented me from being able to obtain adequate housing, had individuals intentionally vandalize and run into my vehicle, and have even prevented me from obtaining work. This has been going on for almost XXXX  years, and they have had several of their merchants and partners engage in the campaign, and utilized civilians in the campaign as well. They have been staging car accidents and giving everyone I work with a bank loan and a vehicle, they have been had everyone I work with in admin stage a car accident and given them a new vehicle for the amount of {$5000.00} or more. They utilized college athletes to harass me by giving them students loans of {$5000.00} or more for the participation in the campaign. Wells Fargo began a harassment campaign against me because of past claims I have made with them. They also began stealing money out of my account and making my bank lock up my account without reason. They would continuously lock up my account when I had them as my bank and prevent me from traveling. They would make excuses and say they didn't know why my account was locked up. They began this campaign against me because in XXXX  I made a complaint against one of their bankers who put extra accounts in my name. Now Wells Fargo is attacking, blacklisting, and coming after anyone who participated in the lawsuit. They have also began gentrification in all areas that I have lived in. It began in New Mexico, they followed me to XXXX, Alabama who does not have a Wells Fargo but they acquired all of the area, and now they have come to XXXX, KS began buying up all the area under different names, and gentrifying the areas. Wells Fargo is the banking system for every housing company I have applied for in the last XXXX years, and they are preventing me from obtaining housing or attempting to hike the prices up to where it is unaffordable. I filed a complaint before and Wells Fargo never reached out to me. I attempted to reach them almost XXXX times and they refused to call me back, but had a third party company reach out to hack my phone.
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CO)

XXXX calls me XXXX times a day. Today 7 times in a row. I have resolved the billing issues ( they stoped auto payments ) although it is not due to my fault. They called me 7 times in a row today and can be seen in the attached call logs.
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (FL)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-20
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Returned chair that never worked properly. Worked with Costco management to process refund. Disputed charge in late XXXX with credit card company. 

XXXX the conditional credit was reversed by the credit card company even though I provided dispute information as requested. XXXX, the dispute department supervisor stated I needed to obtain a refund from Costco not the credit card company. The Costco manager XXXX, was handling the refund and stated she spoke with XXXX the credit card company and that he would refund amount. XXXX to date has not contacted me and the credit card company took the {$10000.00} payment from my checking account even though I removed autopay 2 days prior. In addition, the credit card company charged me a {$30.00} late fee. 

XXXX the manager says Costco can not refund the amount and the credit card company says I need to obtain the refund from Costco. In the meantime, all of my bill auto payments are bouncing in my checking account due to insufficient funds.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On sunday, XX/XX/XXXX I applied for a home equity line of credit on my current bank 's website only. They pulled my credit which I expected them to. For the next week and a half I received a flurry of additional phone calls and text messages from other mortgage brokers wanting me to apply with them instead. All of this is standard I realize. The part that I take exception to is that the credit bureau sent my name, date of birth, *and* social security number to other mortgage brokers. This seems to be very risky given today 's identity theft environment. I would not think they would be able to farm out all my information to whoever pays for that list.
Consumer complaint received 2023-11-20
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. (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 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 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 2023-04-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (FL)

Cedars Business Services , LLC said that I needed to respond to a alleged debt letter by XX/XX/2023, they have not responded in the 30 days that they said they would. I sent them a certified letter on XX/XX/2023 in which they received XX/XX/2023 for this account to be removed, to Cease & Desist all communication & that the debt wasn't valid.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER XXXX XXXX XXXX. 


XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$960.00} XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX  XXXX XX/XX/XXXX {$0.00} NO ACCOUNT NAME XXXX XX/XX/XXXX {$30.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

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

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

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-20
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: Shellpoint Partners, LLC (NY)

Im NOT disputing ownership of this loan! 
My dispute is to question WHY Shellpoint mortgage CHANGED information that was verified as accurate on my credit report for 14 months twice! It is an obvious attempt to corroborate inaccurate information with XXXX XXXX XXXX. I will provide documentation showing changes made on XX/XX/XXXX reflecting 3 payments made XXXX, XXXX & XX/XX/XXXX. The very next day XX/XX/XXXX, 3 payments show XXXX, XXXX & XXXX, XXXX! From XX/XX/XXXX when previously last reported, until XXXX XXXX this account shows verified as accurate with payments received in XXXX, XXXX, XXXX and XX/XX/XXXX! It IS very important information to me because I rely on ACCURATE credit reporting especially this account as its the only one ever reported late in over 30 years! I question why it was changed 14 months after transfer.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/2023 I have a collection account reporting as open and with a past due amount.. XXXX XXXX XXXX ..collection 's are past due by default and should not be reporting as an open account 15 usc 1681e compliance procedures transunion fail to attend to this inaccurate information...
Consumer complaint received 2023-11-20
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. (MO)

Hello, I checked my credit report and i saw unauthorized credit check inquiries that i have not given consent to. I am demanding that these inquiries be removed within 4 days because they are fraudulent. I am trying t establish relationships with banks but continue to be declined because of these items on m report. I have attached the fraudulent items to my letter and notified the FTC.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you removes these errors to correct my credit report immediately! I have reported this to the federal trade commission and attached the federal trade commission affidavit. Now that I given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (PA)

Received an email that an application was opened with Wells Fargo. I have put freezes on all XXXX credit bureaus so I'm not sure how my information is still being used. This happened on XX/XX/2023. I called Wells Fargo they declined the application and stated it was ran through transunion. I called them and they have no report of an inquiry. I checked all XXXX credit bureaus as well, they are all showing freezes.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I.C.SYSTEM INC. is reporting a debt owed to XXXX for {$910.00} and I never had any accounts with XXXX. I wrote a letter to I.C. Systems and requested validation of the debt. I requested a copy of my signature on the contract they should have. All I got from them was a statement from I.C. Systems that that is verification and a statement from XXXX with bill period of XX/XX/XXXX- XX/XX/2017. These statements only have my name and address. No proof I incurred the debt and or if I am the right XXXX XXXX. I've never XXXX or XXXX XXXX as they show. I only use prepay phones through XXXX. Before finding this on my credit file. No one has sent me letters or attempted to contact me before listing it on my credit file.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB (MD)

Back in XXXX, I reached out to Klarna about an unauthorized charge. For the past few months, Klarna has ignored my cries for help. They will tell me to call them to investigate. I call in and they don't do anything. I actually will receive emails telling me to call in by a person named XXXX. I even emailed him to say I am calling in. He is ignoring me and the company is refusing to help a loyal user of their services. And they keep stealing my card information and trying to charge me for something I didn't authorize. They are legitimately debiting a card that I have to give prior authorization for the payment to be complete. I am not giving my consent nor will I give my consent to have an unauthorized charge debited from my bank account. I reported them to the XXXX and they will share that they tried to reach out to me to give further assistance. Then why do I have a series of emails ( that I will attach to this complaint ) showing them dodging the problem?
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

In this case, the situation involves an unauthorized collection account by Spring Oaks Capital LLC that appeared on my credit report on XX/XX/2023, for an amount of {$3900.00}. The discovery of this entry occurred recently when I checked my credit report on XX/XX/2023. 

Despite this entry appearing on my credit report, I have not received any prior communication or notice from Spring Oaks Capital LLC regarding this alleged debt. As per the Fair Debt Collection Practices Act ( FDCPA ), the debt collector is mandated to provide certain information to the consumer within five days of initial communication concerning the collection of any debt. This information includes details such as the amount of the debt, the name of the creditor to whom the debt is owed, and a statement regarding the consumer 's right to dispute the validity of the debt within XXXX days of receiving the notice. 

As of XX/XX/2023, I have taken action by drafting and sending a formal letter to Spring Oaks Capital LLC, requesting immediate removal of the unauthorized collection entry from my credit report as it has significantly impacted my credit score without any valid basis. Furthermore, I have informed them of my intent to report this violation to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal actions as outlined in the FDCPA if the matter is not resolved promptly. 

The actions taken by Spring Oaks Capital LLC, as it pertains to my credit report, have not adhered to the provisions set forth in the FDCPA, specifically 809 regarding the Validation of Debts. Despite the appearance of this entry, no communication or validation of the debt has been provided to me within the stipulated time frame. 

Additionally, I suspect that this unauthorized entry could potentially be a case of identity theft, given that I have no knowledge or record of this debt. I kindly request that this matter be also reported as a suspected case of identity theft for further investigation and appropriate action. 

I am requesting assistance in forwarding this information and my concerns to the relevant companies involved, notably Spring Oaks Capital LLC, and would appreciate your support in addressing this matter promptly. 

Thank you for your attention to this issue.
Consumer complaint received 2023-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

Repeatedly contacted Nelnet regarding inability to login to account, but have not received login information. Further, I wish to delay repayment during on-ramp period, but Nelnet continues to send me increasing bill statements.
Consumer complaint received 2023-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (CA)

We have an escrow account set up to property taxes and insurance and Selene Finance has failed to pay our insurance and our policy has lapsed. For loan number XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

They were provided with all necessary insurance documents and information to pay the policies and have failed to due so.

There are two buildings and two different policies. One was paid and they will not pay the other one.

They hang up on you when you call, give you the run around and transfer you to new departments with no answers. We have sent formal request to which they have never replied.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXXXXXX I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability & Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is XXXX  and as follows : Validation of Debt and HIPAA authorization or delete account from my profile immediately
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I am writing to dispute and request the immediate removal of inaccurate information from my credit report. Upon reviewing my credit report, I have discovered several accounts that do not belong to me and appear to have been merged with another individual 's file. These errors are damaging my creditworthiness and have the potential to cause significant harm to my financial standing. It is imperative that you conduct a thorough investigation into these discrepancies and rectify them immediately. Failure to do so may result in legal action being taken against your bureau for non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX