davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2018-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (UT)

Nelnet accepted my payment online for {$200.00} through my checking account which is also my credit card its the same account then they refunded the money. I was on a low payment plan because I was laid off but that was set to expire which means my payments would go up to {$600.00} a month I cant afford that. Meanwhile I am gaining interest of around {$500.00} a month I owe {$65000.00}. Upon graduation XXXX said I owe them XXXX more dollars and never gave me my XXXX degree I have no transcripts and no degree and the school has closed. I cant get a job because Im a XXXX I shouldve never been approved for the program in the first place. I am driving a truck and have been since XX/XX/2014 when I graduated.
Consumer complaint received 2023-05-04
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including them again. 

XXXX XXXX
Consumer complaint received 2023-10-10
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: Experian Information Solutions Inc. (AZ)

I have send a previous letter with the fraudulent inquiry but it has not been removed from my consumer file. 
On XXXX XXXX XXXX XXXX was added to my file without my consent. Delete immediately.
Consumer complaint received 2018-08-05
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

WF has started reporting our VA mortgage as a installment loan and told us they told this at closing which we a lie as witness by our realtor which was an attorney and will verify, our WF loan office who left the company. They have a history of fraudulent behavior as late as last week in a suit filed by State of CA oaying a huge fine for fraudulent behavior in excess of {$200.00} M, previous they were fined for opening customer account without their knowledge switching money and all sorts of other behavior with our VA loan which was property with a permanent foundation making it unmovable. The WF bank filed a XXXX XXXX XXXX XXXX making it part of the real property and required us to set up escrow account to pay taxes and insurance and filed a trust deed making is real property. From XXXX to XXXX including the previous owners it was reported as a VA mortgage, they they started reporting as a installment fixed loan on the modular home Each and every time we filed the paperwork with credit agencies they would agree, and immediately WF would change to a mobile home loan or modular home installment loan. I have talked to many people who have the same permanent mounted home on property they own that is still reported correctly but when I found out they called me a liar, harassed us, dared us to file suit and numerous other threats and told us we could not beat them, the VA had us have our congressman look into it and they filed back they had the right to do whatever they wanted to do, filed with the XXXX where I found many complaints and the only -F XXXX rating, they then told me that they were following CIDA guidelines but when I called CIDA they denied this was correct and are filing a formal complaint I have documents to prove all of this including letters from the bank that they could do anything they wanted and nobody could stop them, guess that may be right as they are the most fraudulent proven bank iin America paying more in fines than anyother bank in history including a {$200.00} XXXX fine filed by State of CA where they paid but denied liability although who is the proof was not there would pay {$200.00} M They are so big they think treat people who fight them anyway and no one will bother to continue but I will keep fight all the way to filing a class action suit. 
They have stated they can can do whatever they want. 
Anyone wanting to join my class action suit please contact me
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2024-04-09
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. (PA)

Im providing this info one last time and hopefully equifax XXXX and XXXX are able to fix my credit report with all the negative accounts that are fraudulent Im attaching the police incident number which is the police report
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (IA)

I received a credit card in the mail that I did not apply for. When I called the company they cancelled it and provided me with information for the credit reporting bureaus. I asked if they could tell me how it was applied for and they advised that they didn't have that information. I want to be able to better protect myself but wanted the information to help with that.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Can you verify the paperwork? Certain entries are misreported concerning their details, such as inaccurate amounts and dates.
Consumer complaint received 2024-01-02
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 looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
XXXX. XXXXXXXX XXXX
Consumer complaint received 2024-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b-2 company also has NO permission to report ANYTHING using my info pursuant 15 USC 1681 4. 
XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

This is from a on the job work injury. I was transported by my employer to XXXX XXXX XXXX XXXX, to receive XXXX XXXX XXXX XXXX Workers comp 100 % responsible. Both Lj Ross and XXXX XXXX agree my employer is responsible. But still send me into collections, instead of billing my employer. 

Total trying to collect is {$250.00} from XX/XX/XXXX XXXX XXXX
Consumer complaint received 2018-08-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIRST NATIONAL BANK OF OMAHA (CA)

In XXXX, I received my first credit card which was an XXXX XXXX card. I was told to pay each month in full. I did not know I could pay monthly payments. I had a balance of approximately {$2200.00} and was not able to make the full payment due to losing my job in XXXX. I also didnt make monthly payments because I didnt know I could. After 3 months XXXX XXXX closed my card and sent it to collections. After trying to pay them off earlier this year, they stated they had settled with the IRS and I would pay it on my taxes which wasnt an issue. However, this derogatory mark is on my credit and fnb Omaha will not remove the mark from my credit report. Ive tried everything and this is the only derogatory mark on my credit report. Please advise how I can get this removed as I was naive and did not have the proper guidance. Thank you.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-01-10
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (UT)

There are Fraudulent insurance claims and Fraudulent insurance Policies in My Name Reporting on my LexisNexis Consumer Report, I need equal access to a hard copy of my LexisNexis consumer report.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.
Consumer complaint received 2023-08-17
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. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX  XXXX XXXX account # XXXX XXXX account # XXXXXXXX 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.
Consumer complaint received 2024-04-09
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. (IL)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2024-04-09
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)

I have mailed multiple letters up to 120 days ago to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX GA, XXXX requesting the following information from them : A letter including the following : Validation of the account Inform the business where the account was opened that the debt is the result of identity theft. 
Stop collection activities against me. 
Stop reporting information about the debt to credit reporting agencies. 
If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft. 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2018-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Opened a GM credit card account prior to XX/XX/XXXX. At some point, the card management was taken over by Capital One. Have been paying down the balance since that time and in XX/XX/XXXX closed the account as I opted out of the change in terms related to interest rate. The account was paid in full on XX/XX/XXXX in the amount of XXXX. The card was paid off as Capital One changed the on-line payment methods and I was not able to use on-line account management due to these changes and Capital One refused to work with me to give me on-line access to my account, so I found a way to pay it off in full. They are now trying to charge me residual interest on {$4.00}. I tried to dispute this charge until Capital One could send me a copy of my original terms for this card, at the time I opted out of any changes to my account, but they refused to allow me to dispute the charge. 
No only do I believe they should credit my account in full for the {$4.00} charge, but should also allow me to dispute this charge so that am not charged any penalty, etc., until resolved. Capital One is completely unwilling to work with customers to resolve any issues. I never asked for this account to be managed by Capital One. I have no other accounts with them due to the unethical behavior. Just the fact that they respond does not mean the issue has been resolved. Your assistance in having my account credited in full for the {$4.00} charges would be sincerely appreciated.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

i noticed unauthorized inquiries on my credit reports that i would like removed according to the fair credit reporting act these unverified and unathorized items must be removed XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX I Inquired on XX/XX/XXXX Transunion XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
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. (NJ)

Dear Consumer Financial Bureau, I am writing to formally complain against XXXX, Equifax and XXXX regarding the inaccurate reporting of a bankruptcy on my credit profile. I have serious concerns about the validity and accuracy of the claims, and i believe they have fail to comply with legal procedures. On XX/XX/2024 I submitted a Procedural Request letter to XXXX, Equifax and XXXX and then again on XX/XX/2024, seeking clarification on the procedures used to determine the validity of the bankruptcy reporting. According to FCRA section 61, paragraph ( 6 ) ( b ) ( iii ), XXXX, Equifax and XXXX is obligated to provide this information within 15 days of receiving the request. As of today, i have not received the requested information.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.