davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Please see below the clear violation from this company : To Whom It May Concern : My name is XXXX XXXX. I am sending this letter on my behalf. 

I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX XXXX  with account number XXXX XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX  with account number XXXX Your company is in clear violation of the consumer protection laws outlined in 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) and 15 U.S. Code 1692e., THE LAW CLEARLY STATES : 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ), reporting during Covid-19, as per this law, in times of declared emergencies, such as the ongoing pandemic, credit reporting agencies are required to update accounts to reflect that payments were not late.

You have failed to meet the requirements of this law, and for that I have submitted a report to the CFPB.

I assert that the accounts, which is currently marked as late on my credit report, should be updated accordingly to reflect that no late payments occurred during the specified period of Covid-19.

Additionally, I draw your attention to 15 U.S. Code 1692e, which pertains to false or misleading representations. In my view, the late payment entry on my credit report is false and misleading. I have meticulously maintained timely payments for all my accounts, including the one in question. It is disheartening to see this inaccuracy on my report, as it tarnishes my creditworthiness and undermines my financial credibility.

I hereby request that Experian to rectify this matter promptly by updating the entry for the accounts, to reflect that no late payments occurred during the Covid-19 period, as mandated by 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ). Additionally, I kindly ask that you remove the false and misleading late payment entry from my credit report under the provisions of 15 U.S. Code 1692e.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-03-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (TN)

I have been banking with navy federal credit union since 1992, and have remained in good standing with them. I have been trying to apply for small loans to purchase a small camper and have been denied several times. I called to request some information about my account such as the age, how much money has been in and out of my account. I was left on hold for over an hour. Never got to speak with anyone. I asked about a statement loan and was told they didn't know what that was. I asked to speak with the underwriter or have the underwriter contact me so I could give proof of my income and ability to pay back a small loan and was denied. I asked for all of the determining factors for the denial and haven't received one. All I was asking was for {$8000.00}. I even applied for the collateral loan where I obtain the camper and send them the title and was denied for that. My payroll check is around {$1300.00} per month and my XXXX check is a over {$2000.00} per month. I feel as if I am being discriminated against by Navy Federal credit union.
Consumer complaint received 2023-04-19
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (MI)

From XX/XX/2023 to present Representatives from Nelnet , Inc. keep calling me XXXX to XXXX  times a day harassing me. I told them that I wanted them to cease and desist from calling me and to send all correspondence via email or mail. They disregarded my rights and continue to call. On XX/XX/2023 I sent a negoitable instrument to Nelnet Inc. to settle the student loan debt that claimed I owed them. Then on XX/XX/2023 I receive a letter in the mail from XXXX XXXX XXXX XXXX XXXX stating that Nelent , Inc. informed them that I was seriously delinquent on my student loans and I will be in default. The letter stated that my account will be turned over to the federal government for collection which could result in : XXXX of tax refund, wage garnishment, loss of federal student loan benefits and my account is being reported to the national credit bureaus which is damaging my credit score and ability to obtain credit.
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

Good Afternoon, On/or around XXXX of this year, I was shopping at an antique market/mall, outside due to covid restrictions. I walked through the huge mall to shop and buy items for my home. I purchased a plant ( on different card ), food/drinks ( on different card ), I purchased some socks ( I believe ) on the card in question and records on this card for sure for around $ XXXX {$40.00}. After walking the mall, I went into a XXXX pop-up tent. I was wearing XXXX clothing and my bag was XXXX, with that being said. The " employee '' i believe advised me to leave my bag at the front because it was XXXX and can't have it in their because of them assuming that it wasn't bought prior. With my clothing they gave me a piece of tape to put on my jacket, shirt and socks to identify that it was brought in. I left my bag of records and my XXXX little bag at the front in a portable truck pop-up where it had the cashier, valuable items, other customers hold and customers items. After walking the area that XXXX had ( seemed to be 4 or so tents of stuff pilled together, i had to leave because it was very humid, lot of people, masks not helping and etc. I went to the front and gave them my ticket for my items left. The bag i purchased with the credit card had my credit card in the clear record bag. Probably not the right choice, but it was done on accident. I contacted commenity bank to advise them that the card, once i noticed, was gone/stolen or lost. I received a letter in the mail sometime this week or last that said they couldn't find this was lost/stolen or fraud. I called in today, XX/XX/21 to XXXX and talked to a " XXXX '' or " XXXX '' she said her name was spelled like the drink, XXXX. I advised her what had happened, again, and she said oh this sounds real fishy! Which in my opinion, was something she shouldn't have said, but also said she will review this, but not guaranteed of an outcome. She was very rude and made it seem like i was the one who purposely lost the card with her tone and attitude on the phone. I had 2 transactions before i could cancel the card that i advised them that i didn't make. I was at the antique/vintage mall for about 3-4 hour shopping before i realized my card was lost/stolen or fell out of my plastic bag.
Consumer complaint received 2023-06-17
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. (GA)

This complaint is filed against XXXX, Experian, and XXXX for improperly reporting incorrect and invalid information from a account called XXXX XXXX XXXX XXXX XXXX Disputes were filed with all 3 bureaus and deem verified or correct. No other disputes are pending. A copy of consumers smart credit 3 bureau report is included in this complaint so all errors can be verified. Said errors or violations are as follows : 1. Both XXXX and XXXX are currently reporting this account as a open account under account status on both reports. This is a closed account placed in collections and sold to a collection agency. This account is not open and can not be viewed as open. 2. On all three different credit reports, all 3 reports a different date of last activity. XXXX reports XXXX. Experian reports XXXX. XXXX reports XXXX. All differ and is impossible to verify all as correct. XXXX of last payment is also missing from all 3 bureau reports. 4. XXXX reports on report under Dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. It's either or. 5. XXXX reports that account is disputed under Creditor 's Remarks. No disputed exist or are pending. Once dispute is over XXXX was obligated to remove all codes and remarks about disputes from report but failed to do so. 6. Experian reports on its report under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. 7. Experian also reports account disputed under Creditor 's Remarks. Once my dispute was final or concluded Experian was legally obligated to remove all codes and remarks about disputes from that account report but has failed to do so. This is mandatory! 8. XXXX also reports that the account is disputed under Creditor 's Remarks and even though no dispute exist or is pending, they have also failed to remove all codes and remarks about disputes from the account which violates the FCRA. 9. Finally, on all three reports under late payment history both XXXX and Experian show XXXX 90 days late. Contrary, XXXX shows 1 90 days late. Which is it.
Consumer complaint received 2020-04-15
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. (OH)

I was looking into buying a car today and pulled my credit and found that someone was using my SS XXXX and DOB XXXX to open up credit cards and accounts! The following accounts are not mine : XXXX XXXX XXXX/XXXX  XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX XXXX # XXXX, I have never had accounts with any of these companies. I am filing a complaint with FTC and CFPB. I WILL BE FILING A REPORT WITH FTC AS WELL. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement ma-terials which verify that the accounts were established legally. I do not want just a cursory ac-count history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summar-ies transmitted by the companies mentioned above must be considered false and may be-speak a statutory violation. In this case, they must be deleted without delay.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX XXXX of Capital One XXXXXX/XX/XXXX XXXX, VA XXXX RE : See Attached XXXX XXXX XXXX, I am writing to dispute a charge of {$75.00} to my credit card account on XXXX, XXXX. The charge is in error. I call Capital One every year for the last three years to dispute this charge. My daughter XXXX used to have an account with XXXX to use XXXX XXXX. She cancelled that account several years ago when she graduated college. But each year XXXX charged her credit card with Capitol One, in XXXX. Last year I call Capital One and complained about the charge, they advised to cancel her credit card and they would send a new one with a new number. We did that. This year XXXX charged her card again for {$75.00}. I call Capital One and disputed it again, they reversed the charge and they put it back onto my account again on XXXX. Capital one sent me paperwork showing XXXX charging my account again with a card ending in XXXX. The new card my daughter received last year ends in XXXX. I called Capital one and asked how they could make a charge on my account with a card that was inactive since XX/XX/XXXX. They said they can not do anything about it that XXXX is entitled to their money and they can charge the new card. I explained to them that Capital one advised me to cancel my daughters card and get a new one so this doesnt happen again. They refused to help me. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. This is obviously fraud on your end. 
Enclosed are copies payment records, and transactions supporting my position and experience. Please correct the error on my account promptly. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-19
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. (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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 2020-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Judgement Recovery, Inc. (MD)

I have been contacted by Nationwide Judgement Recovery XXXX to recover alleged debt due as result of class action lawsuit filed against XXXX XXXX. I was somehow named in the Class Action Lawsuit but have not paid or receive any money with XXXX. The only plausible scenario that I can think of is that my identify was stolen and somehow I was signed up for XXXX.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

in accordance with the Fair Credit Reporting act 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 XX/XX/XXXX Bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I recently disputed an account on my credit file. I have now discovered new information about this credit account. The account is : XXXX XXXX  XXXX Credit Limit : {$500.00} This account has been " re-aged '' and is now too old to remain on my credit file, per the Fair Credit Report Act. The last activity on this account is not being reported correctly. No payments or charges were made on this account in over 7 years. It has been longer than 7 years since the last account activity.
Consumer complaint received 2021-08-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (NJ)

My wife and I want to refinance, to reduce interest paid and not increase ( much ) the time left on our current mortgage. My wife is abroad, will remain abroad for another few weeks. She appointed me as a Power of Attorney and an attorney drew up the document which she properly signed and which was notarized a couple years ago. We own our home jointly. 

The refi company, loandepot, asked for a copy of the POA. I work at home, have neither a scanner nor a FAX. I took a photo of each page of the POA with my XXXX, imported the photos into XXXX, and saved it as a pdf. In an email dated XXXX XXXX  Tuesday, XX/XX/XXXX, the direct loan processor at loandepot working with me, XXXX XXXX, wrote me in an email, " Power of attorney was approved yesterday evening '' and loandepot scheduled closing on XX/XX/XXXX. Closing seemed to proceed more or less OK, although I found various detects in loandepot 's documents ( they got my birthday wrong by one day, although the closer had copies of my photoIDs ( passport and drivers license ) for over a week ) ). I offered twice to show the closer the original POA but he declined, stating it was not necessary and that it had already been approved. 

Now loandepot wants me to scan or FAX the POA to them immediately. The demand comes in phone calls from individuals claiming to be loandepot ( how to know an unexpected caller is legit? ) and was not made in writing until I complained to them today. I own neither a scanner nor a FAX. It is not clear they will fund the mortgage. We will suffer some financial consequences if they do not fund and we eventually have to accept a higher interest rate from someone else. On Monday evening XX/XX/XXXX, I got fever and other symptoms and on Tuesday got a XXXX test. If I were not required to quarantine, I would happily go to XXXX and scan the POA but I am in XXXX. loandepot 's written statement that the POA is approved does not bind them, apparently, and they seem to push me to violate law to satisfy their arbitrary change of mind. Violating quarantine is not something I will do. 

A POA is a powerful document, our attorney advised us. He also advised us not to make copies available too easily, lest someone gain a copy and seek to use it fraudulently. So I prefer not to upload my wife 's POA onto your website. I am available it you want to contact me directly.
Consumer complaint received 2023-10-19
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. (NY)

Recently, I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that EquifaxXXXX didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XX/XX/XXXX
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

I had a credit card with Wells Fargo, in XX/XX/XXXX my wife was injured by a doctor causing to become XXXX in her XXXX XXXX. We were contacted by XXXX XXXX XXXX and signed up with them they scammed us till you guys came along ( THANK YOU BTW ). They told us not to pay creditor and to pay them, so we went into collections. That was in XX/XX/XXXX, we settled with XXXX XXXX for less then the amount owed, and were waiting until the other sent us any information. Apparently in XX/XX/XXXX the same year we settled Wells Fargo sent a IRS from 1099-C. I have disputed the account being open many times and my wife as well since she was just a authorized user and it was open before marriage this a few times with wells fargo and they keep reporting this monthly as an open debt. I have call them and they say they will do something about it and for two years now nothing. We are at our wits end with them. I am hoping you can do something about this.
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc. (IL)

I requested company to email me records of my sent transactions between XXXX XX/XX/22. They refused to send me saying that my account was canceled. I argued that it was their choice to cancel my account but that I was entitled to copies of my sent transaction statements. They said they would not provide. I need those statements to take legL action against another party.
Consumer complaint received 2023-11-13
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)

On XX/XX/XXXX I was checking my credit reports to make sure things are accurate. I noticed all the hard inquiries are unauthorized and I didn't apply for any. I sent a letter to all credit agencies and it hasn't been deleted