davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
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. (PA)

18 U.S.C 8 : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

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 Dept of ED ( acct XXXX ), Navient XXXX XXXX XXXX acct XXXX ), US Dept of EDU ( acct XXXX and XXXX ) 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. 

15 U.S.C 1666a : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S.C 6801a : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S.C 6802a : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S.C 6802b : Opt Out Family Educational Rights and Privacy Act of 1974 20 U.S.C 1232g 34 C.F.R 99.30 : Must have parent or eligible student written consent to disclose information
Consumer complaint received 2018-05-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Profit Services Group (GA)

I have sent this company certified letters time after time about validating this debt. I never receive nothing in return back which I ask for a result within 30 days. Once I kept trying to contact them I then went to there office since it was located in my city and state. When I got there they wouldnt even let me in the office they kept stepping out to talk to me. I informed them that I want to speak to the manager or corporate but was told neither one of them were there and I had to call. After that day I still repeatedly call to not get in touch with them still. So I then sent out a hippa violation letter to them about this debt and they're still not communicating.
Consumer complaint received 2017-12-17
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: NAVY FEDERAL CREDIT UNION (GA)

There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (TN)

Credit Card Company has been notified by certified mail that account was paid in full. Credit card Company continues to report to Credit Reporting Agencies that consumer has {$7900.00} " written-off '' and a " past due '' of {$65.00} as of XXXX XXXX. This is absolutely not true as a Bankruptcy Chapter XXXX Trustee paid the claim made by the Credit Card Company fully on XXXX XXXX XXXX. All previous claims have been settled, otherwise the Trustee could not discharge the Chapter XXXX Bankruptcy as of XXXX XXXX XXXX.
Consumer complaint received 2023-12-17
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: SLM CORPORATION (NY)

There are inquiries that I do not have accounts to or apply to. I would like them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sallie Mae bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card I only have a bank account with them 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
Consumer complaint received 2024-01-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

I have been enrolled in a degree program at XXXX since XXXX. I am expected to be enrolled until XXXX. At first my loans were with Great Lakes, and were transferred to Nelnet sometime during covid. When the covid repayment pause was lifted and repayments began in late XXXX, I didn't worry about it at all because, as I said, I have been and will continue to be enrolled in school, and when that is the case your payments get deferred. 
I checked my account status in late XXXX, around XXXX I believe, and I have all these notifications about my account being past due, despite being enrolled in school. Mind you I didn't check it sooner and was never worried about it because, again, I was enrolled in school and should have never had a payment due. I figured there must have been an oversight or a glitch when restarting the payments since covid, and after being on hold with them on the phone for well over an hour I decided to use their email service. I also was in touch with my school during this time to have it worked out. 
Several weeks later I see my account was updated, I get notices that my school deferment was " approved '' ( it should have never stopped ), and that I won't owe anything until XX/XX/XXXX. I figure that's the end of that. 
For the last 2 weeks or so I've been getting spam calls from debt collectors, even though I shouldn't have any delinquent accounts. Today I check my credit score, and it has dropped over XXXX points due to missed payments from these loans, payments that I should have never had due to being a student. This oversight is affecting my day to day, my spam calls, and now my financial health. I have bad marks on my credit and now a " poor '' credit score due to Nelnet 's oversight.
Consumer complaint received 2018-05-19
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. (FL)

XXXX XXXX  has 2 fraudulent collections under on my credit reports.

Two charges : one for {$500.00} and a second for {$280.00}, both from the same facility and same date of service of XX/XX/XXXX.

I have never received medical treatment in the state of Pennsylvania.

I disputed these fraudulent collections on my credit reports with XXXX, XXXX and Transunion approximately one month ago and I received an email alerting me that my disputes had been resolved. However, when I went to check my credit reports, they showed the 2 above referenced collections are still on my reports. According to the reports, XXXX XXXX  claim the collections are correct and the credit bureaus still have them on my record.

I have been on the XXXX XXXX plan since XX/XX/XXXX and once again, have never received medical treatment in the state of Pennsylvania.

Please help remove these 2 fraudulent collections on my credit reports.
Consumer complaint received 2017-12-17
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: TD BANK US HOLDING COMPANY (GA)

There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

Dear CFPB, My name is XXXX XXXX XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from XXXX XXXX  and XXXX XXXX XXXX and it is showing on my credit report without my consent. I have no contract with XXXX XXXX nor XXXX XXXX XXXX. and have given no consent for them to use my name, likeness, or credit data. 
Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates XXXX XXXX of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as XXXX XXXX. XXXX ( Mail XXXX ) and XXXX XXXX. 
XXXX ( XXXX XXXX ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

A business card that I had with American Express from a previous business was used fraudulently for a hotel stay. I disputed the charge with American Express and they accepted and applied the dispute amount to someone elses credit card and kept this card open. The fraudulent charge remained on this card without my knowledge. American Express closed by active business card without my knowledge leading to a bad credit filing. Ive been a card holding member of American Express since 1991. American Express acted negligently.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (CO)

I had an account with bank of the west before it was purchased by BMO. I called bank of the west to cancel and close my account after I removed XXXX  my money. They assured me it was going to be closed. Then BMO purchased the bank and i'm not getting a collection letter stating I owed money. I never had XXXX  account with BMO and my bank of the west account should have been closed when I requested. XXXX XXXX XXXX XXXX apparently allowed XXXX transaction to go through when I already requested the account to be closed and overdrawn it, then forwarded it to BMO without my knowledge. I do not own XXXX  balance as this account should have been closed from XXXX XXXX XXXX XXXX XXXX  before they merged with BMO
Consumer complaint received 2024-01-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened this Capital One 360 Savings online savings account prior to XXXX because it had a competitive interest rate at the time. Unlike all of my other online savings accounts the interest rate did not go up with the market. In fact, it is very a low interest rate of 0.30 %. I am not sure when and why it got set at such a low rate. Capital One is offering new customers 4.35 % on their accounts. Why are existing customers being treated worse than new customers? 
The account does not have any statements available. I was only able to download two years of transactions. I withdrew most of my money out of the account ( {$3000.00} ) on XX/XX/XXXX.
Consumer complaint received 2024-01-21
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 (CA)

I disputed a charge on my account because I received faulty merchandise and tried to return it to the seller. On XXXX XXXX  for XXXX I messaged the seller trying to return the item and the seller ignored all my messages. I filed a chargeback on my account and received a temporary credit. Now the charge has been placed back on my account on XX/XX/scrub>XXXX XXXX XXXX  and capital one hasn't told me why.
Consumer complaint received 2024-01-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Today, Portfolio XXXX XXXX XXXX XXXX XXXX called me from a spoofed number, representing that they were XXXX XXXX. Misleading & fraudulent. Called from XXXX at XXXX on XX/XX/2024
Consumer complaint received 2022-11-14
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-05-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC (NJ)

This is in response to a previous complaint filed against XXXX XXXX XXXX.

Reliant responded to my complaint and claimed that I wasn't a party to the complaint.

unfortunetly Reliant is wrong. I was given permission to speak on behalf of my daughter and discuss the debt on XX/XX/2018 when XXXX XXXX and I were on the phone with my daughter WHO granted verbal permission from me to discuss the debt. The entire conversation is recorded.

Regardless, Reliant has not provided notification of the debt AND YET are trying to collect.

this is a FDCPA violation. Also Reliant claims to have forwarded my information regarding the debt to XXXX XXXX unfortunately this is a lie. Provide me the name of the person that Reliant spoke to regarding the documentation that was sent. They have not forwarded anything to XXXX. I have spoken to several different people at XXXX XXXX  and they informed me that they notified Reliant not to pursue collection,. 

Threatening to report a debt to a credit bureau even prior to receiving the actual debt is a violation. it is a threat. If I am not reimbursed for the violations in question I will file a lawsuit against reliant and they will be liable for consumer violations and will pay my attorneys fees and costs in addition they have caused a burden on myself and my family.
Consumer complaint received 2017-12-17
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: ALLY FINANCIAL INC. (GA)

There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (MN)

I was trying to make a purchase at a merchant and i received a text message during the purchase asking me if the purchase was fraud i misread the text and thought it was asking me if i was making the purchase so i replied with Y and after rereading the text for a second time when the purchase did not go through i saw that it was asking me if it was fraud rather then if I was making the purchase so they put a block on the merchant. So I called to let them know that I accidentally replied to the fraud text with a Y rather N and that the purchase was not fraud it was me trying to make the purchase. The first lady I spoke to then said she understood and told me she would remove the hold from that merchant. So after I got off the phone I went and tried to make a purchase with the merchant again and yet again I got failed attempt because the card holder blocked the purchase. So I called them back again and asked why I still am unable to make purchases with this merchant. And the man I spoke to told me that now their system has flagged the purchase from this merchant and that there was nothing they could do and I would not be able to make purchases from this merchant. I asked why because I am telling you it is me trying to make this purchase there should be no security issues and I was told there was nothing he could do. So I asked to speak to a manager and XXXX came on the line and I explained my situation to her and again she told me their system has flagged the merchant and their was nothing they could do. I asked why when I just called to verify it was me making the purchase would their system flag the purchase the very next time I tried. And got no response to that question. And when I asked who I needed to speak to so that I am able to make purchases from this merchant I was told there was nothing they could do. And I said I have already made one purchase to this merchant and it posted to my account. I accidentally replied Y instead of N to the text message and called to clear that up now your telling me after I called and you removed the block that your system has flagged the purchase and now there is nothing that you or anyone can do? I just will never be able to make purchases from this merchant? She replied with im sorry but there is nothing we can do. I asked should I call XXXX would they be able to remove the block and was told no that no one can. I said that is absolutely ridiculous and I couldn't believe that after calling and verifying it was indeed me trying to make the purchase that the very next transaction your system blocked it for fraud even though I had just called. I said that was bogus and something needs to fixed. And now I am filing a complaint with you to help me get my purchases with this merchant allowed and their flawed system fixed. Because if I call and tell them it is me trying to make the purchase that should be enough for them to allow the purchase.