davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION (NC)

RE : You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error ) Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing errors.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement ( 5 ) A computation error or other similar accounting error on a creditor 's statement.

Upon conducting a recent examination of my credit history, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status. which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Uplift, Inc (CA)

I received an alert that my credit score had dropped from XXXX. Upon looking into this matter, I found a company was looking to send me to collections for a purchase that was made. The debt collection company is XXXX XXXX. I called them on XX/XX/2024 to explain to them that this was not my debt, I had never heard of the original debtor which is Uplift. The amount they are trying to collect is {$3800.00}. I told them that I did not make a purchase to this company and that the collection process needed to stop as this is not my debt. They said they would send it to the appropriate office and have someone look into it. I called again on XX/XX/2024 to check on the status. I spoke to a gentleman named XXXX who said he would look into it further. I would like this taken care of as soon as possible since my credit score has been damaged.
Consumer complaint received 2024-04-23
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. (IN)

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 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 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 XXXXXXXX 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 2023-04-27
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. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 2023-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (FL)

XX/XX/2023, XX/XX/2023, XX/XX/2023. Under different #. Most recent # XXXX. Received a call everyday this week from an unknown # 's. Answered the call and the person requested for me to verify my information. When I asked what company was being represented the person stated she couldn't tell me that information. I told her I will not give my information to someone who can't tell me who they are trying to collect information for. She then stated you are refusing to cooperate so I will note that and hang up.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (CA)

I applied for the XXXX XXXX plan in XXXX of XXXX  it was accepted and I received a notification on XX/XX/XXXX that I would have a {$0.00} payment for 12 months starting XX/XX/XXXX and it would follow the general rules of having to resubmit my income every 12 months as required. This was then revoked with, according to Nelnet, no record or reasoning on XX/XX/XXXX and a retroactive balance was added to my account along with a late notice due to this sudden change. 

When I contacted Nelnet on XXXX  they were unable to provide me with any explanation of what happened and that now my payments are significantly more than the original {$0.00} per month. The late amount was forgiven but I then had to reapply for the XXXX plan due to being then incorrectly placed on the XXXX plan. I was given no update or documents to explain what was going on or what will happen. I was told that the only thing I can do is wait for them to look through everything. 

I would like to continue with my applied, promised, and signed 12 month agreement of {$0.00} per month and reevaluate in XXXX of XXXX  as I was guaranteed originally.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (GA)

Concora credit milestone mastercard with a credit limit of {$300.00} open with out my knowledge on XXXX XXXX. Also a destiny mastercard opened XXXX XXXX in the amount of {$700.00}
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

On XX/XX/year>, XXXX XXXX attempted to make a single deposit of XXXX checks into the US Bank ATM located in the parking lot of XXXX XXXX XXXX XXXX XXXX, IL, in front of XXXX XXXX XXXX corporate headquarters. The first check was for {$10000.00} and the machine appeared to register this check without problem, then asking for the second check of {$730.00}. While the machine was registering this second check, it appeared to experience a power loss or some other problem that rendered the machine unresponsive and inoperable. A receipt was not received, but the machine had taken possession of both checks. 

After XXXX claims have been filed and over a month has passed, we have finally been notified of a provisional credit to our account. US Bank has made numerous errors and we have lost time and money ( % that should have been earned ) in the meantime.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, 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. (GA)

Hello, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. I was checking for a car and the dealership went to different companies and for different cars I didn't approve of.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws. 

These are the inquires. 
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 Thank You,
Consumer complaint received 2023-07-31
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 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 2021-09-02
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BILL.COM, LLC (CA)

Recieved COVID-19 renters assistance from a property i rented out and the State of CA sent the money through the service XXXX, they quickly shut my bank account down after providing the required information and emptied my bank account.
Consumer complaint received 2023-07-14
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)

On XX/XX/2023 I called the credit reporting agencies and let them know that this Open/ Collection account that's being reported in the documents included below is not supposed to be visible on my consumer report. I never gave them written consent to report them. Under 18 U.S. Code 1028A ( 1 ) you are in violation of Aggravated identity theft by reporting these accounts without my written consent.
Consumer complaint received 2024-04-23
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. (MI)

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed XXXX {$5200.00} XXXX XXXX XXXX Balance Owed : {$600.00}
Consumer complaint received 2023-11-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (OR)

I requested to change to the SAVE repayment plan thought the Studentaid.gov website on XX/XX/ and uploaded my the requested tax documents through the site. Studentaid.gov shows the servicer, Edfinancial, has received my application and it has been processing since the same date. In early XXXX I was able to log back into the new edfinancial site and saw no action had been taken or any sort of update. After a month and a half of no contact from the servicer I called and was placed on hold for hours and multiple times the call dropped having to start the call process over. On XX/XX/ I received a call back and they stated they never received my application and I would need to start over. Based on the call the agent submitted the application again and informed me it should be processed before my first payment was due XXXX My first statement after the pause was generation on XX/XX/ to show a larger amount due than what was expected with the save plan. I attempted to contact the service again and had the same issues trying to reach a live agent. Multiple email were also sent that received no reply. On XX/XX/ I was able to get another call back and the agent advised it was still processing and to check back in 10 days. On XX/XX/ I again contacted the service and was now advised the process would not finish until XXXX XXXX. I asked about forbearance until the process finished and was advised there was no need since everything would be backdated to the original request date. At this time I am showing past due and other than the verbal communication I have received no confirmation that my Save application has actually been submitted.
Consumer complaint received 2024-04-02
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: ACIMA CREDIT, LLC (WA)

My name is XXXX XXXX. I tried disputing an inaccuracy on my XXXX credit report, from a company : ACIMA DIGITAL FKA SIMP, multiple times, to no avail. I've never heard of this company, it's a fraudulent account which I expressed to them in XXXX and XXXX. Yet, rather than doing a thorough investigation, removing this incorrect information from my credit report, it remained on my report, which is a violation of the Fair Credit Reporting Act Sections ; 623/611. My credit file shows this account was opened on XX/XX/XXXX, with a balance of {$3100.00}, and updated on XX/XX/XXXX. 

In each of my disputes l 've asked them to provide proof that this is my account, which they never responded. Their only response was updating the status of this account on my XXXX credit report to a closed Charge-Off. This is false reporting, which is a violation of the Fair Credit Reporting Act Sections : 611 also 623. Due to this falsely remaining on my XXXX credit report, years ago, I included a statement on my credit report that I have no knowledge of this account. 

I'm once again asking that Acima provide feedback and proof of a thorough investigation regarding this matter, removing this fraudulent information from my XXXX credit file.
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hello, I have been trying to eliminate incorrect information from my credit for some time and it has been very difficult for me, I have tried many ways and nothing has helped me, please verify all this information and if it is not mine, please delete! 

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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

My mother and I have a joint checking account with XXXX XXXX XXXX. In XXXX XXXX XXXX one of our checks were stolen from a USPS mailbox and counterfeit checks were made. Chase Bank cashed these checks for the offenders. The theft was reported to the XXXX XXXXXXXX XXXX sheriff 's dept. It is XXXX # XXXX. The offenders were located in Tennessee. Chase bank has yet to reimburse us for the money of the counterfeit checks they cashed. If you would please assist us in this matter, it would be greatly appreciated.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On Saturday XX/XX/ at XXXX XXXX, I deposited {$500.00} ( XXXX {$100.00} bills ) into my Citibank checking account ending XXXX at the ATM of their branch on XXXX XXXX XXXX, XXXX, CA XXXX. 

The ATM all of a sudden ended the transaction, gave me my debit card back and nothing was on the ATM screen anymore. All happened after the machine swallowed my Cash and nothing got deposited into my account ( Nothing is showing to this date ). 

I immediately called the number on the back of my debit card 7 minutes later and reported the incident. The representative told me that my money would show up imminently on my account and opened up a case ( Case ID # XXXX ) but four days later and my money is still missing. The representative over the phone sounded very incompetent and barely could speak English. 

The ATM had two security cameras above it which can confirm what happened easily, however Citibank is unresponsive and unhelpful. This is clear theft being done by Citibank. I don't know what to do anymore. 

Please help me.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A dispute letter was sent to XXXX regarding the accounts with XXXX XXXX. XXXX is reporting inaccurate and misleading information on my credit file. The accounts with XXXX XXXX are in collection, yet the accounts are reporting as open on my consumer report. There were collection offers sent regarding both accounts. I sent a dispute letter to XXXX and I also provided copies of the offers from XXXX XXXX XXXX. XXXX responded by stating that they will not take any action on my alleged request because it does not appear to have been sent directly by me or to be authorized by me. Transunion is also reporting inaccurate information regarding the accounts with XXXX XXXX.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (GA)

Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Reporting this collection account within my consumer/credit report is a form of communication. 
I, the consumer, have not given WAKEFIELD & ASSOCIATES I prior consent to contact me. 
In addition, I have sent numerous communications stating I am refusing to pay this debt. 
I, the consumer, never gave the original creditor, WAKEFIELD & ASSOCIATES I, XXXX, XXXX, or XXXX written permission or consent to obtain my information or to furnish my information.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (IN)

The credit reporting agencies are committing identity theft, they are using my personal informatiomn for their monetary gain. per 15 usc 6802 through 15 usc 6805.

As well the financial institutions that furnished the information to the credit reporting agencies never gave me a chance to opt out of them reporting my personal information therefore id like to take this time to officially opt out of the Accounts listed in the attachment.
Consumer complaint received 2024-04-23
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)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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