davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard 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, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The collection agency is reporting the collection account XXXX  on my credit file this is not my account I sent a dispute letter stating to send me a method of verification on the account on how they with through the process of verified the account and havent received anything
Consumer complaint received 2023-12-22
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. (OH)

15 USC 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, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 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, lets 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, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report 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 Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The company Portfolio Recovery Associates ( PRA ) is improperly, against FCRA statutes, reporting incomplete data to the national credit bureaus making it inaccurate. The company reports the account was opened on XXXX XXXX XXXX yet reports a " charge off '' for only 3 months in XXXX ( incomplete ). Furthermore, it does not report a date of first delinquency XXXX XXXX XXXX 

The company violates FCRA in the following ways : 1. PROBLEM : No credit payment history, making the report incomplete and inaccurate. 

FCRA VIOLATIONS : a. ) 611- " completeness or accuracy " b. ) 623 ( 2 ) ( B ) - " has furnished to a consumer reporting agency information that the person determines is NOT COMPLETE or ACCURATE '' c. ) 623 ( 5 ) XXXX XXXX  " not later than 90 days. '' RESULT : Civil liability under FCRA 616 ( a ) " Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer ... .. '', 617 ( a ) " Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable ... .. '',
Consumer complaint received 2023-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (IL)

Apple Card/GS bank USA , account number XXXX, This account is suspicious I requested this company to provide me with original signed contracts of me given this company permission to submit my information to any third parties. I also requested this company to provide me clear and conspicuous instructions given me option to opt out of this unknown debt. I requested this company to provide me with written contract of me knowingly agree to owe any debt ( Apple Card/gs bank ) this company havent cooperated and provided me the necessary documents/information. After a statue of time I requested this company to cease and desist all communications with me which they havent and this account is still being illegally reported to my credit report. Which is clear violation of FCRA 15 United States Codes.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Johnson Mark LLC (NV)

I have contacted the company of XXXX XXXX  letting them know I am not liable for the debt. I have never signed a contract with them in anyway and now it looks like there is someone called Johnson Mark LLC attorney at law that is reaching out to me for XXXX XXXX  I am just requesting to have all the collections stopped and removed from my credit report REQUEST TO CEASE AND DESIST DEBT COLLECTION ATTEMPT To Whom It May Concern : On XX/XX/2024, I was contacted by Johnson Mark LLC Attorneys at law regarding an alleged debt owed. Be it known, that I hereby dispute the validity of said debt. I would also like to know if an attorney has revised this account. 

In accordance with the Federal Fair Debt Collection Practices Act, 15 USC 1692, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor, XXXX, to resolve this matter, as warranted. Please take note that I am declining any attempts by XXXX XXXX or any other collection agency with regards to this matter. 
In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. 
You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt. 
Sincerely, ( XXXX XXXX )
Consumer complaint received 2023-11-22
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC. (MA)

Santander consumer USA ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX ) I am in the process of getting an apartment for my XXXX yr old daughter and I. However I have noticed that I have hard inquiries that I did not take out and dont have any acknowledgment off on my credit score. Its impacting me because its been hard too find an apartment due to this. I need help of removing off my credit file. Santander consumer USA was taken out XX/XX/22
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one has charged me XXXX percent interest that I've been trying pay back for over a year. They have never tried to help me and I've been calling constantly throughout the year. I pay XXXX dollars they take out XXXX. I would have been paid off but im still almost at max because they are taking out so much. I havent used the card in over a year as well, but since I was in a pinch a few years ago and maxed it out im being punished although I pay as much as I can every single month which meets the minimum requirements.
Consumer complaint received 2024-04-30
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Fold, Inc. (CA)

On or about XX/XX/year>, I reached out to the company behind my prepaid debit card, Fold , Inc. to request the remaining balance of my debit XXXX returned to me via check. They refused to, citing that, with exception to some alternative methods which did not work for me, they could not return my balance to me. I sent them a screenshot from their FAQ that indicated that there was an option to close my account and have a check sent to me for the remaining balance. Upon receiving this screenshot, they escalated to another team in their company who told me, rather than address my concern, they removed that wording from the FAQ on their website. Unfortunately, I did not save this email exchange or take a screenshot of the FAQ. However, on XX/XX/year>, I opened another ticket to re-attempt closing my account and included screenshots from their Terms and Conditions and Cardholder Agreement pages to support my claim. They have yet to respond to my request and are unable to be contacted via telephone. I have included these screenshots here.
Consumer complaint received 2023-11-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (CA)

TO WHOM IT XXXX CONCERN, I HAVE NOT BEEN ABLE TO GET A STRAIGHT ANSWER FROM PHH/NEW REZ I KEEP GETTING THE RUN AROUND AND WRONG INFORMATION. ON XX/XX/2023 I EMAILED PHH/NEW REZ ABOUT THE ISSUE THEY RESPONDED WITH THE FOLLOWING : Important Account Information Inbox Relationship Manager Fri, XX/XX/XXXX, XXXX ( 5 days ago ) to XXXX Dear XXXX, Our record shows that the foreclosure process has been suspended as of XX/XX/2023. We have forwarded this request to the Office of the Consumer Ombudsman for additional review. The Office of the Consumer Ombudsman is researching the request and a response will be provided shortly. Please allow time. 




HOWEVER I SPOKE WITH XXXX XXXX TODAY AND THEY HAVE THE FORECLOSURE AUCTION SET FOR XX/XX/2023. I AM VERY CONCERN ABOUT THE SITUATION AS I CAN LOOSE MY HOUSE. PLEASE HELPD ME
Consumer complaint received 2023-11-23
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. (FL)

I contacted XXXX and I noticed that I have these hard inquiries in my credit report, I do not recognize these and they were not authorized to be carried out by me, this is causing me a serious problem since my credit score is falling too much due to this, below I list the hard inquiries which I need to be removed immediately from my 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
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-10-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Waypoint Resource Group, LLC (NY)

This debt was opened in XXXX I filed bankruptcy which was discharged in XXXX The original company XXXX keep selling the debt to different companies although it was in a bankruptcy. This debt is over 10years old and now on my credit stating it was opened in XXXXthis needs to be removed from my credit.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

I have filed no less than XXXX complaints against Nelnet with CFPB. Stop closing them as Nelnet has not resolved anything! They have my name wrong and did from the get go, despite Great Lakes having my correct name when they sent it to Nelnet. I had Great Lakes for years. They have had my XXXX application since XX/XX/2023 and STILL have not porcessed it. They keep responding to the CFPB which wrong and false information. CFPB keeps closing my complaint with nothing corrected. Nelnet keeps asking me for the same documents I already uploaded over and over on their website. Their gross incompetence is something XXXX should fine them for like XXXX! Why does XXXX not fine Nelnet? I applied for XXXX XXXX program as a government worker. They keep telling me to apply when I already have. They refuse to use the legally mandated XXXX despite my having connected my IRS account to Nelnet. CFPB has never done this before where they hit closed on a case that isn't resolved! If this is happening to you as a fellow loan holder, report Nelnet to XXXX and CFPB until they get the fine XXXX has for gross incompetence. It is unfair for me and others like me holding student loans to keep dealing with this mess! They send me letters full of false statements. Hold them accountable. I will continue to file complaints until CFPB stops closing them! This isn't resolved at all and Nelnet needs to be held responsible for what they did and are still doing to me..
Consumer complaint received 2024-04-11
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (FL)

Home Depot has been committing identity theft and has been violating claimant rights.This alleged debt has already paid off in full, and yet Home Depot has been reporting to the credit bureaus when claimant instructed them to remove all information from the credit reporting agencies. This has been costing me a lot of distress and has been taking a toll on my mental Health.
Consumer complaint received 2023-12-06
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: SYNCHRONY FINANCIAL (DC)

I have found a credit inquiry on XXXX and that inquiry is not mine 's. Sam 's Club never extended me no line of credit. I never did any business with them. 

I do not know why they are on there.
Consumer complaint received 2023-07-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CA)

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act ( FDCPA ) and The Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive Acts or Practices ( UDAP ). 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.Account Name : JEFFERSON CAPITAL SYSTEMS Account Number:XXXX XXXX XXXX {$610.00} XX/XX/2022 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Thank you for your purchase of {$610.00} which you paid pennies on the dollar, can I see the Purchase Agreement and the Original Creditors terms and agreement/condition. I refuse to pay this debt, my dads ice cream truck caught fire on the highway due to these unforeseen circumstances all funds are tied up.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I am currently being denied for the 8th time of my legal right to access the information within my personal credit profile, as mandated by the FAIR CREDIT REPORTING ACT. I demand the immediate release of my personal credit report. Enclosed herewith are official documents, such as copies of my driver 's license, date of birth, and social security number, which fulfill your requirements for verifying my identity.
Consumer complaint received 2024-04-11
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. (VA)

PLEASE DELETE HE FOLLOWING ACCOUNTS LISTED BELOW : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2023-05-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (NC)

I have been trying to get several medical bills removed from my consumer report. My information was shared without my permission violating several of my rights. There are XXXX accounts totaling {$4000.00}. Ive asked for verification of debts and have not received any. 
I have not supplied proof under the doctrine estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (CA)

I keep getting random charges on my card even tho i never use it anymore and i paid in full already. When i call to ask what the charges are they have no answer or give the same answer as the charges before. This conmpany is stealing from people im just the first to notice
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (NC)

Westlake Financial Services has been reporting non-verified information to the credit reporting agencies without my consent. I have not given Westlake Financial Services MY written expressed consent to report anything to the credit reporting agencies. Westlake Financial Services has failed to procure documentation ( Sworn statement of verification or judgment ) that I, XXXX XXXX, owe an alleged debt to Westlake Financial Services .
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: EQUIFAX, INC. (FL)

I have a XXXX  account and other information that does not belong to me. I have housing information that I have never owned. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NE)

I'd lost my card-not terribly sure when exactly but the last transaction that I recognize was in XXXX. In XXXX, I saw charges totaling {$4200.00} on my debit card that I do not recognize. I filed a claim with Wells Fargo. No credit was issued and the claim was denied.
Consumer complaint received 2023-10-06
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (SC)

I called about a dispute and was hung up on. And was talked to in a rude and disrespectful way. I then asked for names of agents who I had talked to. Who had hung up on me and was denied information. I disputed two transactions that happened on the same day and only given back one