davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX # XXXX Has inaccuracies. Incorrect. Information in experian reporting bureau which .pass due XXXX days XXXX ... .and in XXXX XXXX  XXXX XXXX ...!!!!!! this inaccuracies reporting...
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA, XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Lexis Nexis absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely, [ Your Name ] Enclosures : [ List what you are enclosing ] Identity Theft Report Copy of Credit Report
Consumer complaint received 2023-05-07
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: Experian Information Solutions Inc. (NV)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Bankruptcy A-Discharged CH-XXXX XX/XX/XXXX I have disputed this several times. XXXX XXXX deleted this permanently. This needs to be taken off my report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Have them to send me the original contract with my signature agreeing to do business with them. They will not find it. Have them to remove it from my account.
Consumer complaint received 2024-01-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (GA)

XX/XX/XXXX, I was involved in an automobile accident. This accident was in the state of North Carolina where I hydroplaned from bad weather conditions. Due to this event, it lead me to hardship because that was my only vehicle I had in the in state. I was involved in a subrogation between XXXX XXXX, XXXX XXXX, and XXXX XXXX. I purchased gap coverage insurance at the time I got the vehicle. To my knowledge, I had full coverage and the vehicle was deemed as a total loss. The vehicle was seized by the insurance company and their was no offer to settle of any. XXXX XXXX has not contacted me. Even though I have wrote several letters dating to this year on XX/XX/XXXX about the matter. They still continue to damage my credit and report falsely with balances that should not be owed. This company obligations to uphold the federal law for reporting has failed in my eyes.
Consumer complaint received 2024-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (IL)

I have an issue with Bridgecrest. They charge outrageous interest charges. I have been making bi weekly payments toward a used XXXX XXXX XXXX  since XX/XX/. The payments were supposed to be {$350.00} per month not biweekly for five years. The total including finance charges is {$55000.00} in which I could have purchased a brand new car for this amount. This amount surpass my annual income. I have made some repairs on it already such as the right signal light and oil and filter change. The roof leaks each time it rains and leak down in the center console. The car had XXXX at the time of purchase. At this rate, I will not be able to repair my credit nor get something reliable to get back and forth to work in. Any suggestions are greatly appreciated it? Thank you!!
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (VA)

My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on student rights pertaining to privacy. the reporting of my balance and payment information relevant to my student loan accounts is a violation of my privacy which I did not authorize.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (FL)

This company need to remove this fraudulent item. It is not my responsibility to conduct the investigation for the company I supplied multiple police reports from the cities I was visiting at the time where the incident could have possibly taken place. Santander is knowingly reporting a fraudulent item on my credit report
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I applied and was getting rental assistance from XXXX XXXX which they sent a link for XXXX to fill out. XXXX XXXX said he wasnt accepting it. Told me that if I give back possession of the property and return the keys before court date on XX/XX/XXXX, they were not filing eviction. I moved out on XX/XX/XXXX and my son dropped keys off before court date and time. I also emailed them to let them know to avoid the eviction filing. Company filed illegally regardless. I attached copy of the email they sent saying that statement.
Consumer complaint received 2024-04-24
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. (WA)

FRAUD ALERT : THIS IS NOT A DUPLICATE SUBMISSION : I AM REPORTING FRAUDULENT AND ILLEGAL PRACTICES of Equifax Customer Service Representative XXXX ( XXXX XXXX Office of Consumer Affairs Equifax indicated XXXX  XXXX Bankruptcy XXXX was UN-VERIFIED and not Reporting to my consumer report. Equifax, and XXXX removed the XXXX  XXXX Bankruptcy XXXX XXXX on XX/XX/year>, due to inability to verify. Following Recorded Phone Call on XX/XX/year> CONSUMER XXXX XXXX XXXX spoke to, Equifax Customer Service Representative XXXX ( XXXX XXXX Office of Consumer Affairs, Regarding my XXXX  XXXX Bankruptcy XXXX UN-VERIFIED public record. Immediately following that conversation on XXXX XXXX XXXX Bankruptcy XXXX XXXX public record was reported by Equifax . On XXXX XXXX I contacted XXXX to confirm if my consumer file had been accessed for the purposes of Data Verification. XXXX confirmed my Security Freeze was active and has been ACTIVE since XXXX XXXX. I have obtained a copy of my Consumer File. Equifax Customer Service Representative XXXX ( XXXX XXXX Office of Consumer Affairs, fraudulently and illegally obtained access to my file through the Credit Karma Site by way of the PRE-QUALIFICATION PORTAL. EQUIFAX HAS BEEN UNABLE TO VERIFY MY ACCOUNTS DUE TO CREDITORS REFUSING and electing to falsify my owing balances on Discharged Closed Accounts. 

I have attached evidence proving the gross misconduct of Equifax Customer Service Representative XXXX ( XXXX XXXX Office of Consumer Affairs. 

The Fair Credit Reporting Act ( FCRA ) protects consumer information, including credit reports, and prevents the sharing of this information without a specified purpose. The FCRA gives consumers the right to access their credit reports once a year for free, and to limit unsolicited offers for credit and insurance. The FCRA also specifies who can access a consumer 's credit report, and both the credit reporting bureau and the person seeking access without a valid reason can be held liable if they breach the law. 
The FCRA governs how credit bureaus can collect and share information about consumers, which businesses may use for many purposes, such as deciding whether to make a loan or sell insurance. The FCRA also gives consumers the right to : Know who requested their credit report within the last year Seek damages from anyone violating the FCRA The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) are responsible for enforcing the FCRA.
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Nelnet, Inc. (CA)

Complaint ID : XXXX I can not respond to this complaint, or other recent complaints on the CFPB website. I get an error message ( " Survey Not Found '' ). Older complaints that I have still not responded to, I am able to. Therefore it is not a technical issue on my end. Additionally I called the CFPB over this twice. The CFPB agent was also not able to access the survey using their own system. Clearly a CFPB employee/contractor has XXXX my ability to respond to complaints within the salesforce database that CFPB uses. I have submitted a complaint to XXXX ( FBI ) over this. Clearly there is someone acting on behalf of the banks that has infiltrated this government agency and is conspiring to prevent me from exercising my right to create a record of what is happening. As to the specific complaint ( XXXX ). Again. I am not and have never claimed identity theft. I am calling out multiple bank failures and associated criminal activity that was exposed to me by the collapse of XXXX. I am not paying the Nelnet loans because I need a bank in order to process XXXX  payments, and there is no XXXX  bank that is untouched by this fraud, and therefore I have no dollars to repay the debt. I will not have any XXXX  for the foreseeable future, or maybe ever if this is not resolved .... I am owed XXXXXXXX XXXX XXXXs by these XXXX  and bankrupt " institutions '' .... I will never be making another deposit. So your loan will never be repaid. It is not my fault. I have never even made a late payment to a creditor once in my life. Look at my credit report I stopped paying AFTER I was defaulted on, on election day in XXXXXXXX XXXX XXXX. My collateral was lost by the banks, so that's it. It's gone. Good job, you robbed yourselves. ( NOTE : I CAN NOT ATTACH DOCUMENTS TO THIS COMPLAINT. XXXX ERROR AFTER IT PROCESSES THE DOCUMENT )
Consumer complaint received 2024-04-24
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)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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.
Consumer complaint received 2018-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I called Transunion multiple times about these inquiries on my credit report. I sent letters to all of the creditors who have no knowledge of these applications. I called and spoke with XXXX in the Us Handling Department at Transunion who said he would get these deleted and never did. I have been speaking with different reps who gives different answers. I have been following rules by sending in certified letters and I have copies of the receipts.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TX)

I received an unemployment check because the Region communicated that my account was closed in error. The state of Texas issued a paper in which I deposit and request immediately available with a fee. Region waived the fee and made a deposit and removed XXXX of XXXX fees. The next morning the back office put on another 9 days hold even though the state of Texas was on phone informed them that issue a paper because of bank communication of closed account. Now that fund are not available my phone and electrical was disconnected. I have now is subject to to XXXX in fee because of a Region Bank error. They have not been deposit unemployment timely even when I have trace number to prove that deposit should be in my account. Since I have been displaced federal employees, I have been continue to get fee in error. They apply fee then release deposit/credit.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (IL)

AMEX Account # : XXXX Date Opened : XX/XX/year> XX/XX/year> XX/XX/year> High Credit : {$30000.00} {$30000.00} {$0.00} 15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately!
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

I sent by registered mail, a letter to JP Morgan Bank on XX/XX/year> for which I haven't received a response from them. 
The letter outlined concern of fraudulent transaction to XXXX XXXX XXXX XXXX XXXX XXXX. 
I sent funds to a bank account at JPMorgan Chase bank following the instructions from Fiatvisions who are conducting as a scam. 
A total of {$110000.00} CAD from my XXXX account was sent to a bank account XXXX JPMorgan Chase Bank. The beneficiary of the transactions is XXXX XXXX XXXX XXXX who provided me no services or goods in exchange for this money. I request Chase Bank to verify the transactions at their end and reverse the fund to my bank account as the money belongs to me and was taken from me through manipulation and faulty advice.
Consumer complaint received 2024-04-24
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. (NJ)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiry listed below. However, I did not provide my consent for this question to be asked. In response, I'm writing to contest this inquiry and ask that it be removed from my credit report. 
XXXX XX/XX/2022
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MD)

On XXXX XXXX, I was enrolled in XXXX XXXX for a XXXX  in XXXX XXXX. I applied completed my FAFSA and applied for a Direct Plus subsidized/I subsidized loan for graduate. Completed master promisory note and was approved DOE. My financial aid officer at XXXX said that I had an overage and could not receive any disbursements unless I contact Nelnet and requested that the overage be applied to current loan. Nelnet never answered my emails or phone calls they even kept me on hold for 2 hours every day. A rep finally picked up on XX/XX/XXXX  said a few words, put me back on hold for another 2 hours. I told my FA advisor about it and he said theres nothing they could do. Now I can not finish my education because of Nelnet poor management and customer service. Please help. Thanks.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-22
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: CREDIT ACCEPTANCE CORPORATION (CA)

I was notified by XXXX XXXX XXXX XXXX that there was a credit inquiry on my credit report from Credit Acceptance XXXX in XXXX, Michigan. The applicant submitted the application at XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX. The persons name is XXXX XXXX and they were pre-approved for an auto loan in my name. I dont know this person. I dont live in XXXX any more I have live in XXXX XXXXXXXX XXXX XXXX for nearly 2 years now. This is absolute fraud.
Consumer complaint received 2024-01-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC (TX)

THIS IS NOT A DUPLICATE COMPLAINT!!!!! You closed this complaint Your complaints XXXX in haste and did not research to find out where is the other complaint just like it!!!! REOPEN THIS COMPLAINT AND EXPLAIN HOW IS THIS A DUPLICATE AND WHERE IS THE OTHER COMPLAINT JUST LIKE IT????
Consumer complaint received 2023-03-11
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: EQUIFAX, INC. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$4000.00} XXXX XXXXXXXX Balance {$32000.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$39000.00} XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$2400.00}.