davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Recently, I pulled my credit reports because I want to apply for a mortgage loan. In doing so, I noticed that I have a number of unauthorized accounts listed on my reports. Not only are these accounts unauthorized, but they are inaccurate, incomplete and unverified. I did not give consent to the reporting of these unauthorized accounts and need these accounts removed immediately because they violate my consumer rights and ruin my reputation with the banking system. I don't have any contracts with these creditors that listed these unauthorized items on my reports. THIS IS UNFAIR AND INACCURATE. I need a new home for my family and the inaccurate items on my inaccurate consumer reports is unfair and will ruin my chances at getting a home for my family. I MAILED LETTERS TO XXXX, EQUIFAX, AND XXXX ON XXXX XXXX AND HAVE YET TO HEAR FROM THEM. IT IS NOW XXXX XXXX WHICH IS LONGER THAN 30 DAYS. YOU MUST DELETE AND REMOVE THE DISPUTED ITEMS IMMEDIATELY
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MA)

I have been trying to get a Credit Report problem resolved for almost a year. Back in XXXX of 2023 when Nelnet took over from Great Lakes, my credit report dropped XXXX points. I spoke with Nelnet at that time, and they said they would look into it. They sent me a form letter that said they were reporting it correctly. I spoke with reps from both XXXX XXXX and XXXX, and they said that they were getting inundated with calls from XXXX loan borrowers with the same problem. Over the next few months i repeatedly tried to get them to correct the problem. At XXXX point in XXXX. I put in requests with the credit bureaus for this problem. I thought we had it fixed as about XXXX weeks later my XXXX XXXX jumped back up XXXX points to about where it was prior. I then looked at the credit bureau and realized that they had removed it from the credit bureau entirely. Then about a week later it went back down when they added it again. I wasn't in default on my loan, and I had been currently making payments even through XXXX. I started to escalate it again with Nelnet and got nowhere. 

At this time. I don't know what to do. I advised them I would sue but they said I would need to sue the holder of the loan the federal government. That didn't make any sense to me. They also said that they were a different company then Great Lakes, but their website says they are a division or associated with them. They seem to be lying to me on many different occasions. Please help me with this. I got a new lease on my car and was brought down to a tier XXXX which resulted in a higher payment because of this. 

I would like either it to be resolved with the Credit Bureau or to remove it from the Credit Bureau until it can be resolved. 

Thank you for your time.
Consumer complaint received 2023-11-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc. (NY)

The company went silent after notifying the company that they were now in default and subject to the penalties that the Cfpb gives them due to theyre failure to state a claim for which relief can be granted. The company did not possess the authenticated evidence to state a claim, theyre response would hold no merit.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened an account with Truist Bank. I deposited an online Cheque as a deposit which did not reflect for a few days. When it did reflect it was on a further 7 day hold. 
I could not wait for 14 days and took the cheque to another bank to cash. The Truist bank returned my deposit and charged me for two returned deposits fraudulently .The Truist bank then cancelled my account and stopped my card in the account in which I had funds.
Consumer complaint received 2017-05-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America  Loan No . #  XXXX   Phone No. #    XXXX  Monday - Thursday :  XXXX    XXXX   -  XXXX   XXXX    Friday :  XXXX  a.m. -  XXXX    XXXX     Saturday - Sunday : Closed  XXXX   XXXX  Loan  No.  #  XXXX   Phone No.  #  XXXX  Monday Thursday  XXXX   XXXX  CT Friday  XXXX   XXXX  CT Saturday  XXXX   XXXX  CT  XXXX   XXXX   XXXX  Loan No. #  XXXX  I received this information on Friday  XXXX  Fax :  XXXX   XXXX   XXXX . #  XXXX  Ext :  XXXX  Mon- Fri  XXXX  to  XXXX  PST After  5 long years of giving Bank of America all the documents they requested for working out a Short Sale the S hort Sale personal finally agreed to allow me to do a Short Sale.     Bank of America agreed to a payoff of {$200000.00} in which they would be paid in full.      XXXX  agreed to taking a loss and receiving {$2500.00} because Bank of America threw in everything they could to maximize their payoff amount and wouldnt negotiate at all a smaller amount.     Bank of America with my permission recorded every verbal transaction I made with their personal.     We still have a buyer for the house and they agreed to pay {$220000.00} and are still waiting for the Short Sale to take place.     On or about  XXXX   XXXX ,   XXXX   I called Bank of America and customer service answered and informed me that they now longer service me and they sold my loan to :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  &  XXXX ,  XXXX , CA  XXXX .    XXXX  or customer service  XXXX   XXXX   XXXX   XXXX  My question is why would Bank of America sell my loan for pennies on the dollar and take a loss when they were going to be paid in full?        XXXX   XXXX  (  XXXX  ) is my real estate agent and he is still baffled why Bank of America did that unless theres something wrong and maybe they dont have the deed or something else is going on?
Consumer complaint received 2023-12-09
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: WELLS FARGO & COMPANY (CA)

on XX/XX/2023 I went to XXXX XXXX XXXX XXXX to purchase a car. I came in with a pre-approval. 

They used high pressure tactics to coerce my into signing an application for their own in-house financing. They told me that was the standard and I could not apply for financing without doing their own in-house loan application paperwork even though I told them I wanted the loan I had pre-approved and printed out in-hand. 

I told them I only wanted XXXX inquiry on my credit record and they promised me that there would only be a single hard inquiry. 

As it turns out they were being dishonest and were indeed just coercing me into applying for their in-house product and not the XXXX XXXX loan I had pre-approved. 

They were unable to beat the rate I had pre-approved from XXXX XXXX via their in-house financing and so they took it upon themselves to shop around. This resulted in XXXX additional hard inquiries on my credit report. There are inquiries from companies we never even discussed or talked about that day such as Wells Fargo Auto finance ( we never discussed ) or XXXX  XXXX XXXX XXXX also never discussed ). 

I now have multiple hard inquiries on my report which I did not authorize. 

The only other company we discussed was XXXX and they told me that was because XXXX XXXX was unreliable and didn't pay the money they were due so it was better to use XXXX.
Consumer complaint received 2023-12-08
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TN)

This is the last time I will dispute this. Next I will be suing. This is not my debt. I have NEVER been in possession of a vehicle that had liberty mutual. No traces from the department of motor vehicles or tax offices in XXXX XXXX XXXX stating I owned, leased or rented a vehicle or home with them. The is complete fraud. At this time you are intentionally harming my credit and I am owed compensation at this point. This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/invalidated credit. Please remove immediately
Consumer complaint received 2023-08-04
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: TD BANK US HOLDING COMPANY (AL)

Company unlawfully furnished personal information on credit report and also furnished to non affiliated third parties without my consent which is illegal and not lawfully.

According to USC 1681 ( a ) ( i ), transactions between the consumer and person furnishing the report IS NOT supposed to be included in a consumers credit report.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX {$1700.00} Inaccurate balance and history reporting on credit account this item does not belong to me and I request to have this inaccurate item blocked and removed immediately from all credit reporting agencies
Consumer complaint received 2023-12-08
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. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act XXXX XXXX XXXX missed payments & I OWED {$2600.00} open XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX missed late payments & I OWED {$20000.00} open XXXX, XXXX XXXX missed late payments opened XXXX, XXXX XXXX XXXX XXXX XXXX late payments on XX/XX/XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX {$89.00} XXXX inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX. They are not the Original Owners 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (AL)

I sent out a letter to them because I couldn't get anyone on the phone, and Identity theft.gov said to send up a follow-up letter on XXXX XXXX, with my identity theft report. I got a letter from them say that they found that it was me. I have never use what they said i had use.
Consumer complaint received 2023-11-08
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. (FL)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

1 ) Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not made by me. 

2 ) Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX This inquiry was not made by me. 

3 ) Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX This inquiry was not made by me. 

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 2017-05-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation (FL)

I responded to a pre-approved offer and while submitting information, they asked for not just my bank account number but its password so they could " link '' the accounts. I became concerned and stopped doing the application. i went to  XXXX  to research them and read many negative reviews. I did not complete the application. i went back to the website to try to cancel or close it out but it said unavailable and was unavailable the rest of the night. The application was about half way completed. in the morning I received an email saying I needed to complete the application today and funds could be in account by tomorrow. It also stated " by finishing your application you 'll enjoy ... '' My intent was to apply for a {$300.00} loan to buy dirt for an above ground pool i had purchased. i never answered the email. I called my bank today to ensure my paycheck was deposited and noticed a deposit for {$2300.00}. I called and tracked it down  to    XXXX   XXXX   and then to  Avant Bank. I called them and they told me I could return the money but would still owe a {$90.00} +  fee. I told them I never completed the application and  they insisted I did. I did not and would not. I am having my bank reject the deposit. I told Avant I do not authorize them to touch my bank account in any manner and to remove my bank account information from their records. They said they were unable to do that and that " they would n't do anything ''. The Avant person kept then trying to discuss how I intended on paying the $ 90+ fee. I did not ask for this money, I did not complete an application and I do not want their mo ney. It is a total scam, just as the reviews you can find all over  XXXX .
Consumer complaint received 2023-12-08
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 XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

This account is showing as open with a XXXX dollar past due despite them being paid out in full by nationwide in XXXX XXXX XXXX, before that, the car had been damaged earlier in the year and they delayed the insurance payout. 

On my credit it is showing as in collections despite me still paying every month until the car was paid off by insurance. 

I can upload a payment history from their system showing the car was paid in full. 

I've tried XXXX separate times, going back to XXXX to fix this with the company, but they keep saying its not their fault. 

I want this fixed as it is affecting my ability to get financing for a house.
Consumer complaint received 2024-01-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I signed up for a XXXX American Express card which was my first ever from Amex or any company. After reaching the spending requirement of {$2000.00} in first 3 months of membership, I was waiting and did not receive the promotional spending bonus. 

I reached out to Amex about it and told them that I had an email with the promotional offer and my letter in the mail confirmed it too. 

I was then told their backend team would help try to resolve this issue, but I have yet to receive any kind of response. They mentioned it could take up to XXXX billing cycles but it's been about XXXX cycles now ( 4 months ).
Consumer complaint received 2023-12-08
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. (CA)

I am writing to follow up on my previous complaints regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter. 

XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023
Consumer complaint received 2024-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (WI)

XXXX I used XXXX via XXXX to pay {$150.00} for a purchase. Immediately after, I realized it was a fake account/scam. Then the person disappeared. Now I am receiving a collection request from XXXX XXXX XXXX Reference # XXXX, account # XXXX. When a person uses XXXX to pay a third party a question is supposed to come up asking if the payment is for Friends and Family or a transaction for a purchase that includes consumer protection. This question did not come up during my transaction. It automatically defaulted to Friends and Family which offers no consumer protection. This is a gap in the XXXX or XXXX system. I immediately reported this to XXXX and XXXX as well as my financial institution. Monies were moved from my accounts to create a XXXX balance for funding XXXX but payment still processed leaving a negative balance in my XXXX account . I have since been blocked from using XXXX since the debt has not been settled. I have screenshots of this transaction and notes from my conversations.
Consumer complaint received 2023-12-08
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. (GA)

Hello, I have credit inquiries that I have asked to get removed from the credit bureaus and to no avail they have not been removed as yet. To my knowledge I did not authorize these credit inquiries to be on my report. 

The following are a list of those inquiries that I did not authorize : 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 Bank I also have a collection account from XXXX XXXX that was sent to XXXX XXXX XXXX, this was resolved with XXXX but is still showing on my report I have asked for this to be removed as well and to no avail it is still showing on all XXXX credit bureaus. 

Please help me to get these removed they are hindering me from repairing my credit.