davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NJ)

My name is XXXX XXXX and I am making this complaint on behalf of myself. LVNV FUNDING/RESURGENT is furnishing information to consumer reporting agencies without my permission. I sent LVNV/RESURGENT a notice in the mail ( certified mail XXXX XXXX XXXX XXXX XXXX XXXX ) that arrived at their offices on XX/XX/2024 ( see copy of letter/notice and proof of usps delivery attached below ) exercising my right to opt out of the sharing of any non public personal information including my name, account number and transaction history. They have ignored my request. The law says if a consumer exercises their rights under the gramm leach bliley act to opt out, the corporation must process that request within a reasonable time frame, it's been over 30 days since delivery. They are now illegally furnishing my information.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

In accordance with the Fair Credit Reporting Act this creditor ( DISCOVERBANK ) has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 Section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-14
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. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 U.S code 1692 ( g ) validation of debt XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY.

Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX XXXX
Consumer complaint received 2024-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AL)

In XXXX of XXXX  I filed for consolidation of my loans, in that application I applied for the new SAVR IDR plan. My loan consolidation was completed in XXXX of XXXX  but since then I have been waiting on my IDR plan to be processed. Since XXXX I have had to be placed on forbearance and that forbearance had to be renewed several times to prevent me from having to pay the standard payment ( which I can not afford ). Every time that I call to obtain information for why my IDR is not being processed I get meet with resistance and am always told that they have no information to give me and are not able to obtain any information regrading the delay including a possible timeline. Their excuse is that the department that does the processing of the IDR works in a silo and they are unable to communicate with them about any updates. They have also denied my requests to talk to a supervisor to see if they are able to obtain further information or escalate the IDR processing.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (NY)

I received a letter from US bank with the date XXXX saying that i tried tp open their credit card but they denied for some reason. This is the second time someone tried to open credit card on my name. What is happening i have no idea. Someone probably has my information.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DE)

We filed a complaint against our mortgage lender Wells Fargo with your organization about three weeks ago, CFPB Case # XXXX. We were complaining about how Wells Fargo has continually put us through a paper chase and shuffled us from department to department and failed to give us the opportunity to be reviewed for any homeowner assistance programs. After filing the complaint, Wells Fargo did reach out to us and led us to believe that they were willing to consider us for homeowner assistance options based on our current financial circumstances. We were also told that they were working on a response to the allegations we made in our complaint. We were shocked when just a few days after sending our package of financial information in that Wells Fargo responded, and said they will not even look at our information. This is hard to believe, this is a bank that received over {$30.00} billion dollars in government bailout funds. This is a bank that has continually kicked the can down the road and has obstructed access to government and internal programs designed to help homeowners. We have been financially stable for the past couple of years and we have the means to make a reasonable mortgage payment. The issue is that Wells Fargo will not even LOOK at our current and correct financial information to determine what programs we may qualify for. This is wrong, they are not following the rules or the guidelines and need to conduct a review of all available programs and then provide a detailed breakdown of each program we were reviewed for as well as the information used to calculate income and expenses etc. 

Due to a workplace injury I was on workmens compensation at a reduced pay rate for a few years and have tried to apply for these types of programs. I have repeatedly gotten the runaround from Wells Fargo who constantly changes contacts, loses paperwork and transfers our calls from one end of the bank to the other with no cohesion. As a result, we are now facing foreclosure. This is further cause for concern because Wells Fargo has ignored the laws of the state of Delaware and failed to allow us the option of state monitored mediation. I have been back working full time for the last two years and my wife works as well. We occupy our home with my XXXX-year-old son and XXXX-year-old grandson as well as my daughter and her husband. We can afford a fair and reasonable payment, but Wells Fargo wont even give us a set at the table. This is a bank that received over {$30.00} billion dollars in tax payer bailouts and recently was involved in highly publicized cases of consumer fraud. They continue to engage in this type of behavior and it is harming the residents of the state of Delaware, including my family! That is my complaint. We want answers. We need to be reviewed. We need answers as to why Wells is refusing to engage. We want to fix this problem. Based on our current income we have the means to make a reasonable payment.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Employer - XXXX XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX  XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am submitting supporting documentation to have three fraudulent accounts removed from my Equifax Credit Report, which Equifax is clearly in violation of the U.S. Constitution and HJR 1902. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. Equifax, Ignorance of the law is no excuse. I have shown you and you have been put on notice that you are reporting inaccurate and fraudulent information. The continued reporting of this inaccurate and fraudulent information is a clear violation of the Law 15 USC 1681 s-2 and HJR 192 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate and fraudulent reporting. This is my 3rd time and final attempt to correct this matter before I take this to court a file a lawsuit to seek damages for not comply with the FCRA and HJR of 192.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

My consolidation loan application was completed on XX/XX/23 along with the XXXX request for XXXX. 
MOHELA reported consolidation loan disbursement on XX/XX/23 MOHELA reported consolidation loan payment on XX/XX/23 My consolidation Loan was placed into the level repayment plan I spoke with the MOHELA XXXX ( XXXX, XXXX, or a similar name, a trainee ) on XX/XX/23 to inquire why the plan was not in XXXX. 
She reported that she could place me in forbearance while the XXXX request processes. 
I declined as I wished for the XXXX payment to count. 
She transferred me to a second rep. The second rep informed me that MOHELA got to the XXXX request before the consolidation loan was processed and therefore tabled it and did not come back to it after the consolidation loan was processed, as a result, I was placed in level repayment due to MOHELA not reviewing the XXXX request at that time. 
The second rep stated she would expedite the processing of the XXXX request as I am eligible for XXXX and accruing interest I should not owe. 
MOHELA then Additionally, the call was XXXX hrs and XXXX min, including mostly wait/hold time. 
I checked my MOHELA account on XX/XX/23 and I see my account listed in forbearance, which I explicitly declined when speaking with MOHELA. 
On XX/XX/23 I received a letter from MOHELA that I was placed in administrative forbearance. I believe this letter initially said that I requested the forbearance but on reexamining it on XX/XX/23 I do not see this language and question if the letter has since been altered. 
I also believe that any interest that has capitalized should not have occurred during consolidation, as my loans were in the XXXX plan before consolidation and should have likewise been in the XXXX plan after consolidation, but due to MOHELA 's mishandling of the consolidation and XXXX  forms ( which should be handled together ), I have several XXXX dollars in interest accrued at this time. 
As of today, XX/XX/23, I see that I am in the XXXX plan but also forbearance.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (FL)

For ACIMA - I had received a loan from them once that got paid. However, a 2nd loan shows, and it is not mine. 

For XXXX XXXX XXXX I have no record of this bill ; it should not be in my credit report.
Consumer complaint received 2024-03-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (VA)

XXXX is posting on my credit report and effort to collect on a debt that was a part of a discharge bankruptcy that has since been aged off of my credit report. This bankruptcy has passed the reporting time and is no longer legally able to report on my credit report, but continues to attempt to collect on a debt that is a part of that previous bankruptcy..
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I made an online purchase on XX/XX/XXXX that as delivered to me. I then returned the items on XX/XX/XXXX and purchased other items. I did not get the correct credit and THEN on XX/XX/XXXX someone used my card to make additional purchases that I did not authorize on XX/XX/XXXX. I filed a fraud complaint and was told that the order on XX/XX/XXXX was mailed to me. IT WAS NOT! The tracking number they gave me isn't even accurate. I want the charges of {$120.00} removed.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My credit repor tis showing a couple inaccuracies that are affecting me a lot. I am set up to buy a home and upon reviewing my credit I have found that these questionable items are prolonging this already long process, as they are preventing me from getting a mortgage at a reasonable rate. This s supposed to be an exciting time in my life, but my wife and I are at odds due to this and it is putting a tremendous strain on our marriage
Consumer complaint received 2023-11-22
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. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX XXXXXXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ).

Said information was shared without authorization nor consent to EQUIFAX by way of identity theft and they are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

on XX/XX/2024 I pulled my credit report showing several inconsistancies on my consumer credit report. I have no outstanding Debts in the state of Ca. Please delete all inaccuracies which are affecting my validity as a consumer.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (SC)

In accordance with the Fair Credit Reporting Act, Midland Credit Management acct # XXXX has violated my consumer rights. I did not give Midland Credit Management my written permission or instructions to furnish this negative account on my consumer report. I have requested documentary proofs of my written consent given to Midland Credit Management and no other company. 15 US Code 1681 section 602 A states that I have the right to privacy. 15 US Code 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account without my written permission or instructions. 

PLEASE SEE ATTACHED****
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX DOB : XX/XX/XXXX SSN : *** ** XXXX I was reviewing my credit report and noticed that their are some fraudulent activities on my credit report and the following accounts are being submitted to the be blocked and deleted from my credit report : XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX Acct Number : XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX  Acct : XXXX Sincerely,
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (OR)

I returned a {$75.00} Item to XXXX. The refund was applied to a XXXX XXXX Personalized Visa card. Shortly after this transaction I was no longer able to log in to my account. When I called US Bank ( the administrator of the Visa card ) to find why I was no longer able to access my account I was informed that a return was processed to this visa card however the original purchase had not been made with this visa card. They informed me that my card was inactivated and the full balance of {$350.00} was not available until the return was reversed or I produced receipts for the transactions. I informed them I did not retain the receipts from the purchase and XXXX is not likely to forcibly remove the return from the card. They informed me that those were the only two options. I asked them to close my account and send a check for the outstanding balance. They would not close the account they would only deactivate the account. I informed them they had no right to deny me access to my full prepaid funding over a difficult to reverse clerical error that represents a fraction of the full amount I had put on the card. They offered no other resolution. US Bank has manipulated their policies so as to leave my funding ( paid in cash ) in an account inaccessible to me until their monthly service fees consume the balance and then the account would be closed. I feel US bank has implemented policies that facilitate what amounts to theft.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-08-31
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. (GA)

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.

has violated my rights. Or list of inquiries 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.