davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

Credit Bureaus are being furnished incorrect, inaccurate, false, information from XXXX XXXX. XXXX XXXX is still falsely reporting my mortgage in a name that does not belong to me. I am not XXXX. They replied from the last dispute with documents from XXXX. The deed of trust was modified, filed, signed, and notarized in my correct name XXXX XXXX in XX/XX/XXXX. Please do not allow this company to continue to fraudulently the incorrect name to credit bureaus. This was modified under XXXX XXXX. XXXX XXXX  is out of compliance legally from reporting this information falsely that is not my name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document stale dated with a modification date of XXXX does not constitute as proof or verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney General office should you continue in your non-compliance of federal laws under the Fair Debt Collection Practice 's Act, the Fair Credit Reporting Act, and the corresponding local state laws I further remind you that you may be liable for your willful non-compli-ance. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate and incomplete. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any no compliant, false, untrue, and inaccurate information must be deleted.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I reached out in XXXX via USPS certified mail to let the company know how them publishing incorrect information on my consumer report had adversely affected my life and made requests for them to remove the incorrect information and also acknowledge the damage the incorrect information had caused my family and I
Consumer complaint received 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I am set up for automatic payments from my checking account. I log on today and all of my accounts are past due. I check and there arent any pending payments. It says my payment isnt due for another month which obviously isnt true as every account says past due. I went set up a payment to clear the past due issue. I just checked my bank account to this evening and they took the payment that I scheduled as well as the automatic debit. They charged me twice this month under the falsehood that my account was past due even though its auto debit. Looks like groceries wont be a thing this month. Thanks Nelnet.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MI)

I opened a XXXX  XXXX  credit card and then XXXX hit. I had no money and was unable to make my payments due to the world wide pandemic. This account was supposed to go into a state of pause until we were able to go back to work and the world came back online. I kept in touch with them because we couldn't get unemployment and we were unable to even feed out family, let alone make the payments. 
This account was supposed to go on hold until the end of XXXX. XX/XX/XXXX, I called to start making my payments again and they told me the account had been sold to a collection agency. I didn't understand - I thought we had an agreement to not hit my credit report negatively and the account was supposed to be on hold. they couldn't give me any more information than that and I was unable to make a payment. 
I later found out that they transferred to Midland Credit management with a XXXX  of fees that were not supposed to be there. I never got a bill. I thought we had an agreed arrangement. I had never had a late with them and I did my due diligence to call and put the account on hold until COVID was over. I understand that I owe some money to finish my loan with them, but it is not what is reporting at {$2000.00}. I believe I owe closer to $ XXXX {$1000.00} but nobody can tell me anything. 
I am not saying that I wont pay this but this is not my fault and I cant be blamed for XXXX pandemic that ruined my income and be penalized this way. I would like records of what was done and I would like to only pay what I owed initially as this is what is fair.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (NY)

I trust this message finds you well. I am writing in response to your letter concerning my federal student loan account with Nelnet Loan Servicing. I appreciate your attention to my concerns and the ongoing investigation into the reported identity theft. 
Upon careful consideration, I want to emphasize my main concerns regarding Nelnet 's reporting on my credit. These concerns are paramount to me and necessitate urgent resolution : Lack of Consent for Contractual Agreement : I have not received any evidence or clarification regarding my initial consent for Nelnet to conduct business with me. It is fundamental, under applicable laws, to demonstrate proper authorization, including a wet ink signature, for any contractual agreement. I request that Nelnet promptly provides documentation proving my consent for them to contract with me. In the absence of such proof, I insist on the removal of Nelnet from my credit report. 

Inaccurate Reporting as per FCRA : The inaccurate reporting related to my federal student loan account is adversely affecting my credit standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I formally request the immediate correction or deletion of any inaccurate information on my credit report attributable to Nelnet. 

-account number ending in XXXX alone has 3 different Dates opened being reported inaccurately on each credit bureau . in fact, all of your accounts are reporting inaccurate dates opened which has been harming my credit profile and this is the 3rd time I'm reaching out to you now. 

Given the lack of evidence of initial consent and the impact of inaccurate reporting on my credit standing, these matters are of utmost importance to me. I appreciate your diligence in investigating the fraud claim, but I must reiterate the critical nature of resolving these specific concerns.
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Unifin Inc. (IL)

I was called XX/XX/ at XXXX CT from ( XXXX ) XXXX by a women who said she was calling as the State 's Attorney and asked me to verify my social. I asked her to repeat where she was calling from and she said that I needed to verify the information she was asking and that she would not be providing me with any information until then. I asked her again where she was calling from and did so 2 more times before I asked if she said she said she was calling from the State 's Attorney. She told me if I would not respond she was hanging up and she did. I attempted to call the number back at XXXX CT and was placed in a queue, but the line disconnected. 

I want to emphasize that I clearly heard her say she was calling from the State 's Attorney and I thought it was weird because she did not end it in " Office '', which is why I wanted her to repeat it. This is a clear misrepresentation of who she is and I only found this company by looking up their number on XXXX. It's illegal and fraudulent to falsify calling from a governmental agency.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (NJ)

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

TransUnion has incorrectly reported a 30-day late payment on my XXXX XXXX XXXX auto loan dating XX/XX/XXXX, which is the same day XXXX reported that I paid off the loan. I tried to dispute this, but was unable due to a previous dispute some time back. Due to a glitch in XXXX XXXX   system a late payment did go out the day I paid off the loan. the late payment shows 30-days late on a {$0.00} balance. This account should be " Paid as Agreed '' and immediately corrected. 
Last reported XX/XX/XXXX Creditor name XXXX Account type Automobile Account status Closed Opened date XX/XX/XXXX Closed date XX/XX/XXXX Limit {$0.00} Term Monthly ( due every month ) Monthly payment {$0.00} Responsibility Joint Account Balance {$0.00} Highest balance {$14000.00} Payment status Late 30 Days Date of last payment XX/XX/XXXX Amount past due {$0.00}
Consumer complaint received 2023-12-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY (NY)

I am writing to bring to your attention an issue I have encountered regarding my recent loan application. Just recently, I received an email from TD bank regarding my cancelled application due to an " incomplete process '' on my end. I have diligently completed and resubmitted the necessary documentation, and I also took the initiative to speak with a manager at TD bank who assured me that the application had been successfully signed. Additionally, multiple representatives in the company along with the manager, confirmed that the application process was finalized and that the funds would be disbursed within a few days. However, it has come to my attention that despite the assurances given by the TD bank team, a technical issue on their end prevented the timely disbursement of the approved funds/approved loan. This unforeseen circumstance has resulted in an unnecessary hard inquiry on my credit report, causing both inconvenience and emotional distress. 

In light of the aforementioned challenges and the discrepancies between the information provided by their team and the actual outcome, I kindly request that the company consider removing the hard inquiry from my credit report/credit bureaus . It is crucial to emphasize that this discrepancy is a result of an error on their end and not due to any oversight on my part. 

I would like to draw your attention to the recorded interactions I have had with their customer service team, where they consistently assured me of the approval and completion of my application. These recordings serve as tangible evidence of the promises made, and I believe they will be valuable in resolving this matter. 

Lastly, it has taken this company nearly a month in a half to contact me. I have tried resolving this matter by phone with their customer service team as reflected below, yet, it was completely useless and inefficient. 


Phone number I called : XXXX XXXX : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone  number I called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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: OneMain Finance Corporation (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tn. XXXX You are in direct violation of The Fair Credit Reporting Act ( ONE MAIN XXXXXXXX ), has violated several of my rights. 
15 U.S.C. 1681 Section 604 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 21 : It also a consumer reporting the agency can not furnish an account without my written instruction.

15 U.C.S. 1666B : A creditor may not treat a payment on a credit card account under and open-in consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you an indirect violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-12-26
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: Prosper Marketplace, Inc. (FL)

XXXX XXXXXXXX XXXX XXXX  {$110.00} XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$28.00} XXXX XXXX XXXX {$99.00} XXXX XXXX XXXX {$69.00} All these tractions are not authorized by myself, and they are fraudulent transactions
Consumer complaint received 2023-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (WA)

On XXXX XXXX XXXX used my social security number personal information to access my XXXX online banking accounts and transferred atotal of {$44000.00} to a joint account ( XXXX ), then transferred that money to a personal account under XXXX XXXX ( XXXX ). Afterwards, it wastransferred a BMO Harris account in my name ( I never gave him any type of permission. 

I have contact BMO Harris multiple times - XX/XX/2023 at XXXX PST XX/XX/2023 at XXXX PST, XX/XX/2023 at XXXX PST, and as most recent multiple times in XXXX. 

On XX/XX/2023, I was able to confirm with the XXXX that there was an account with my social security number and that there was an amount transferred to them on XXXX I have tried multiple times to shut down the account and they still refuse to work with me.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see the attached FTC Report and remove the account XXXX XXXX from my credit report. I have already tried to fix this with the credit bureaus, and they failed to conduct a thorough investigation. If they had, they would have known that the company is not credible and that each of the bureaus were reporting different agency names for the same account. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NJ)

My checking account is missing and inbound external ACH transfer amount of {$3000.00}. The external ACH transfer reference number is : XXXX. I have contacted customer service several times since XX/XX/2023 and created multiple cases, disputes over phone but have not received any confirmation of my complaint by letter or email. No one reached out to me so far. My Citibank case numbers are XXXX, XXXX and XXXX. 


In XX/XX/2023 I have deposited a total amount of {$6000.00} to my Citibank checking account including one XXXX deposit of {$3000.00} and ACH deposit of {$3000.00}. But currently my accounts has balance for only {$50.00}. 

The transaction entry for XX/XX/XXXX for withdrawal amount {$3000.00} shows a description that has text like ACH reversal for XXXX dated XX/XX/XXXX. 

My CPFB complaint numbers related to this case are XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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. (FL)

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, 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 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 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 2017-09-22
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NV)

Initial purchase with Synchrony XXXX days later found out my sister was used as joint. I gave information to use her as a reference only. I went back to the store to have account financed with XXXX and to have my sister removed as joint on the account. Paid XXXX to do this with XXXX XXXX. I have papers showing purchase and credit to Synchrony XXXX and papers with new company. I have provided these items to Synchrony XXXX and they are refusing to credit account back and remove my sister off the account as she did not authorize to be joint on account. She was not present for the transaction. Also now they are reporting me late to the credit bureaus. 


Synchrony XXXX credited the account back in XXXX XXXX XXXX and updated my credit report and my sister 's creed report. Now as of XXXX XXXX, XXXX, Synchrony XXXX has changed my account balance back to what I was disputing and they have reported me 30 days late!! I did not provide documents since I recently provided them to Synchrony again on XXXX XXXX, XXXX.
Consumer complaint received 2023-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

on XX/XX/23 I was trying to sign into my XXXX XXXX XXXX. The TV requested my password which I forgot. Instead it gave an option to sign in through my mobile device or go to XXXX Enter the following code. There was a phone number listed as I was still having trouble so I called thinking I'm dealing with XXXX, I was asked to down load an app called XXXX the person on the phone said they needed to verify it was me and proceeded to update my debit card as it was expired. Then they had me purchase a couple game card but said it would be refunded, they needed to verify it was me. long story as they proceed to have issues on refunding and had me try other ways to refund me the money with Venmo with the amount of XXXX to XXXX XXXX, son come into the room and realized I was being scammed and had me hang up the phone. We called Venmo to stop the transaction but they said they cant. I have tried to contact the person called XXXX XXXX but there is no account now on Venmo to get my money back. I went to my bank on XX/XX/23 and filed ' a complaint, my Credit union also filed a complaint with Internet Crime Complaint Center. I was able to get the money back from the game cards. I did not have the XXXX in my account and now I owe the bank XXXX for over drafts. I do have transcripts and emails from Venmo so I'm filing a complaint as I was scammed.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I filed a dispute claim to get the remaining balance of my down payment back For a car. Capital one denied the claim because the merchant stated i owed them money but the merchant processed a partial refund. When they noticed the partial refund capital one filed a rebuttal. The rebuttal was denied because now the merchant has switched they story to now they couldnt get financing for me. They have looked past all my documentation and sided with the merchant who has switched stories multiple times. This has been going on since XXXX. This has put me in a financial crisis. When i request documentation that was used to make a decision on the claim they send me a copy of my transactions.