davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (CA)

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and l notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX, Act Name : XXXX  XXXX, Act Name : XXXX XXXX XXXX XXXX, Act Name : XXXX XXXX, Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-28
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: TD BANK US HOLDING COMPANY (CT)

Im being charged for one item that was returned along with everything else. On XX/XX/XXXX, the XXXX and XXXX that I purchased were taken away and I was only credited for the XXXX but left with roughly {$820.00} for the XXXX. I immediately disputed this and since then they have been charging me {$29.00} a month, despite the fact that under the Fair billing act, you are not supposed to be charged for the item in question. The dispute was closed after TD Bank did not ask me for any type of proof that I had. It was then reopened and has since been reopened for at least two months now and once again they have not attempted to provide me with anything. They have not asked me for anything either. I have asked to show them the proof that I have and they refuse to accept it. I have an email from the XXXX of my XXXX XXXX, confirming that she viewed on XXXX that it was taken away. For some reason, TD Bank refuses to abide by the mandated protocol for Fair billing act inquiries. Interestingly, they state that if you have a problem with your bill to email them, but then shortly receive an email stating that mailbox is not monitored and theres no way to get a hold of them through email. The people on the phone are never helpful and have any idea whats going on. Im attaching two confirmed correspondences that theres an investigation and the email from my XXXX and my attempts to message them. I might have one more letter from them, but I can not locate at the moment.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (NY)

I am writing to follow up on my previous correspondences regarding the inaccurate negative entry that continues to be reported on my credit report across all three major bureaus. Despite numerous attempts to rectify this matter, I am disappointed to inform you that I have yet to receive a satisfactory resolution.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (AZ)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights, 15 USC 1681 Section 602 states I have right to privacy.

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

15 USC 1666B : A Creditor May not treat a payment on a student loan account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Keeping up with timely payments has been a priority for me on this account, always avoiding overdue status. I'm unclear why there are mentions of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections are warranted.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (AL)

In accordance with the fair Credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX U S Department of Education XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 C. ( a ) ( 5 ) section states : No consumer agency may make an consumer report containing any of the following items of information. Any other adverse items of information, other than records of 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 or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (OH)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

On XX/XX/XXXX, MOHELA placed an administrative forbearance on my account. I wished to make a complete monthly payment on time on XX/XX/XXXX, my monthly deadline, but since the forbearance changed my amount due to {$0.00} I did not make a payment because I want all of my payments to count toward my PSLF. It is my understanding from information I am able to find online ( not from MOHELA ) that payments made during a forbearance period do not count toward PSLF plans. 

On XX/XX/XXXX, I messaged MOHELA the folllowing : Hello- I logged in to make my payment and I see a " processing forbearance '' has been placed on my account. Why did this happen? Do the months I am on forbearance count toward PSLF? Do I accrue interest against the loan balance during this time? If I accrue interest during this time and/or these months I am on forbearance do not qualify for PSLF, then I would like to request the forbearance be removed immediately so that I can stay on track with my monthly payments. Thank you for your assistance, XXXX I messaged since due to my job hours I am unable to call customer service during their main operating hours. They messaged me back on XX/XX/XXXX providing no information in regard to my questions asking me to call Customer Service. Despite the difficulties in making the calls during their business hours, I tried to do so but was never able to get ahold of an agent after being placed on very long holds and having to hang up to go back to work. 

In the meantime, a second month has now passed during which I could not make progress toward my PSLF. This is not fair as I was fully prepared to make complete payments on time and did not ask for, and clearly objected, to being placed on forbearance. 

I would like the administrative forbearance to be removed immediately, to return to my IDR plan as structured prior to forbearance, and to keep making payments that count toward my PSLF plan. 

Thank you for your assistance, XXXX
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (NJ)

XXXX. On XX/XX/year>, I hired a XXXX XXXXXXXXXXXX XXXX XXXX company XXXX XXXX  XXXX to do work on my house in XXXX, NJ ; XXXX. I had planned to pay the contractor upon completion of the work with a Wells Fargo ( " WF '' ) credit card, and I allowed the salesman to write the cc number on the contract ; XXXX. On or about XX/XX/year>, I notified Wells Fargo that the home improvement company I hired did not complete a major portion of the work, and XXXX, XXXX that the credit card charge that I promised to pay with the NJ contractor upon completion should not be processed and paid because the work was not completed. 
XXXX. New Jersey laws very strongly regulate home improvement contractors and their activities in NJ, but XXXX, XXXX. Wells Fargo did and continues to encourage violations of such NJ laws, in effect becoming an accomplice, a co-conspirator and an accessory to law violators in NJ. 
XXXX. My home improvement agreement was made with a XXXX XXXX " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '', of XXXX XXXX and XXXX, XXXX that was the entity that I told WF that did not complete a major portion of the work. 
XXXX. WF was instead contacted by another, foreign, out-of-state, entity that apparently did the bookkeeping for my contractor, and was told fantastical stories that it believed without any shreds of evidence or proof, perhaps because that entity also has XXXX in its name but is from XXXX, Ohio, and is not registered to do any work in NJ ; to wit : XXXX. WF writes that We ( they as in Wells Fargo ) have confirmed that the merchant is willing to and able to provide services, but the confirmation is not provided or explained ; and XXXX, XXXX. WF also writes that We ( they-Wells Fargo ) also have record that you ( as in I ) accepted an alternative resolution from the merchant that they will provide the services to you, but the record in whatever form that is, is not provided or even described. 
XXXX. WF concludes that we do not have dispute rights when a customer has accepted a direct resolution from the merchant, apparently according to XXXX of Ohio. 
XXXX. Therefore, WF credits statements of out-of-state non registered entities that could not even drive a nail in New Jersey, to decide when dispute rights have vanished in a dispute with a XXXX XXXX contractor.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (TX)

On XXXX XXXX I had a direct deposit made into my PNC Smartaccess account. On XX/XX/23 I started noticing unauthorized transactions and withdrawals from my account. I noticed some unauthorized transactions starting XX/XX/23 at XXXX XXXX XXXX Bank at the ATM for the amount of {$200.00} Then here 's a bunch more unauthorized transactions and withdrawals done from my account. 
XX/XX/23 XXXX XXXX. {$31.00} XX/XX/23. XXXX. {$59.00} XX/XX/23 XXXX XXXX {$49.00} XX/XX/23 XXXX XXXX {$120.00} XX/XX/23 XXXX 's. {$100.00} XX/XX/23 XXXX 's. {$31.00} XX/XX/23. XXXX XXXX {$10.00} XX/XX/23. XXXX. {$47.00} XX/XX/23. XXXX. {$400.00}. 

I let my Uncle and his lady friend come to my motel room to takeca shower. My uncle went to the store and I walked to go get something to eat. It wasn't in till later that night when I went to go sign in for class that I noticed my notebook where I keep every single password, account, routing, passcodes and pins etc was missing. I checked my wallet and my debit card was also missing. I have tried telling this to PNC Smartaccess but they aren't listening. They denied my claim because all of the information was correct. Well it would be correct if the individual had all of my information.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (TX)

US Bank website is clearly showing U.S. BANK XXXX XXXX XXXX offer 0 % Intro XXXX on purchases and balance transfers for the first XXXX billing cycles. 

After I applied and made the balance transfer, I get charged interest on the Balance Transfer for XXXX months, while they were trying to resolve the case. Their conclusion is that I did not open the right card, but clearly show my account has the same exact card they are offering. There is no other card on their website with 0 % on purchase only. I asked them to find me the card they are referring to and they can not find it, but still refused it is their system error and will not refund my {$360.00}. 

I originally paid {$360.00} for the balance transfer fee to take advantage of the 0 % APR for 18 months. They did not correct their system error, which force me paid off the amount, if not I still get charged for the interest at 17.24 %
Consumer complaint received 2018-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I obtained my mortgage in XXXX and remained current until XXXX, when I experienced some financial difficulty and subsequently applied for and received a loan modification late that same year. I experienced temporary financial difficulty again in late XXXX by way of my father 's illness and subsequent passing in XX/XX/XXXX. I attempted to begin payments again that same month ( XXXX  ) but the payments were refused ; I was approximately {$7000.00} in default ( with lender+ trustee fees ) at that time. 
Since XXXX, I have attempted 4 times to submit a 2nd request for mortgage assistance ; I was repeatedly asked for more documentation each time, then informed on XX/XX/XXXX, that I did not qualify, although my earnings have remained the same and I have the means to cure the arrears through a modification. 
I initially applied in XXXX and throughout the back-and-forth ; the arrears have continued to increase.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2024-04-09
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-12
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. (MA)

I DONT AUTHORIZE THESE INQUIRIES, PLEASE REMOVE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

I am writing to bring to your attention and update you with the consumer reporting agency, XXXX, who have actually conducted a proper investigation and subsequently removed the inaccurate information in accordance with the FCRA guidelines. After careful review of my other credit reports, I still noticed other consumer reporting agencies continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; Furnishing inaccurate information is illegal! The agencies have violated METRO2 Compliance procedures and format for reporting! The consumer reporting agencies are reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. The continued violation my federally protected consumer rights led me to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from my consumer credit file. And according to the documentation provided by the XXXX of XXXX XXXX XXXX XXXX XXXX, there is no record of any lien ( s ) from any company against me. I have supporting documentation from the XXXX of XXXX to validate my claim. I also have proof of public legal notice, that all the liabilities have been transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and if XXXX, XXXX, and XXXX continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Consumer complaint received 2024-04-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION (AZ)

I contacted their Company by phone several times and I asked for information on the debt and some sort of documentation showing I owed the debt because the acct is a charge off on my credit report I have called several times to get a validation of this debt the loan was a loan that was taken out online it is a reflection on my credit report XXXX XXXX and XXXX they refuse to discuss the validity of the debt and have refused to send me the validity of the debt and something showing why I owe this debt I have not received anything and they said the loan was taken out XXXX days ago this is a scam please help!
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The credit card from Capital One was opened without my consent or knowledge. I got a notification at XXXX XXXX  ( PT ) on XX/XX/year>, regarding a new inquiry ( hard credit check ) and also got an email a few minutes later about getting approved for a Capital One Walmart reward card. When I was trying to access the document regarding this application, my personal information wouldn't match with what was provided on the application since it was opened fraudulently. As soon as I checked my email around at XXXX ( PT ) on the same day, I called Capital One to report this fraud and deactivate the account. They were asking for the mailing address of this credit card and it was unmatched which is how they figured that it was fraud. They deactivated and closed the account for me and told me that they would go through the investigation. However, they wouldn't provide me with the unmatched address and phone number that was used for the application. Instead, I was told to make a report to the Federal Trade Commission and it redirected to the CFPB from there.