davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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. (TX)

I filed an identity theft with Experian. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Experian has failed to remove and block this item from my consumer report. XX/XX/2023 they responded with a letter saying that my request is declined becaus they have determined that my request was made in error ; is a misrepresentation of material fact relevant to the requst to block and /or I have obtained possession of goods, services or money as aresult of the transaction issue. This is a violation of my consumer rights. I am demanding the immediate removal and blocking of this item from my report.
Consumer complaint received 2023-08-31
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. (CT)

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
Consumer complaint received 2024-03-29
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. (NH)

On XX/XX/2024 I made my last payment on my bank loan for 1.5 years I deserve to be treated equally and as fairly as a white person. I DESERVE equal fair treatment!! Experian dropped my credit score by improperly prejudice " Closed acct ' how is this even legal. I attempted to file dispute not sure if correct report # XXXX. 
I also paid off a XXXX auto loan never late I never receive what I'm entitled to. What's wrong with this country stealing people 's rights we thought we overcame XXXX Does any law apply to this action
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: Rent Recovery Solutions (TX)

I sent the credit bureaus letters asking them to verify a debts on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C 1681s-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors ; 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. I also received a corresponding physical letter from a debt collector, RENT RECOVERY SOLUTIONS. According to XXXX this company does not have a license to collect ANY debt in the state of Texas. From this physical letter they sent to me, they are in violation of two laws. 15 U.S. Code 1692b - Acquisition of location information ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; According to 15 U.S. Code 1692k - Civil liability ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; this is a violation of my rights. I am entitled to {$1000.00} per each violation I would also like to know how this company is reporting an alleged collections account as an open account with a past due amount as valid and accurate. This alleged account is listed as a Collection with a PAST DUE BALANCE OF {$1500.00} This is a violation of FCRA and also in violation of requisite XXXX XXXX COMPLIANT reporting standards and must be permanently removed from my consumer report. 
If you can not provide me with your method of validation then please delete due to inaccurate reporting.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I recently reviewed my credit report and I noticed that you have furnished fraudulent activity on my report. The account XXXX  XXXX XXXX  SC XXXX XXXX XXXXXXXX XXXX does not belong to me. I have previously requested proof of the alleged debt however you was not able to provide me with any physical evidence bearing my signature on a consumer contract. According to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I demand the immediate removal of this account from my credit profile.
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

LVNV funding did not Give notice that I can dispute the debt, This junk debt buyer parked a collection account illegally on my consumer reports, I have never done business with LVNV Funding I have No contract with LVNV Funding. This company has violated setion 623 of the fair credit reporting act and Federal debt collection practice act ( FDCPA ) section 1692j LVNV has harm my abilty to obtain credit at a low interest rate. I ; m in the process of purchasing a home for my Family.
Consumer complaint received 2022-11-16
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. (TX)

This company is claiming that I owe a debt, but I have never had a relationship with XXXX XXXX XXXX. They are illegally reporting XXXX incorrect accounts to Experian, and this is affecting me tremendously. I sent the first letter on XX/XX/22, and the second letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that both EXPERIAN and XXXX XXXX XXXX received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. This is violating so many FCRA and FDCPA requirements. Also, both Experian and XXXX XXXX XXXX are in violation of XXXX. I never gave consent to the original creditor to share any medical information. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent XXXX months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove these accounts immediately.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (WA)

Recently it has been brought to my attention that Discover is claiming that I owe them {$150.00}, an amount which is entirely made up of bogus fees, charges, and supposed interest on a balance that does not exist. They claim I have missed payments, when the reality is, it never occured to me that I would be making payments, since the balance on the account should be {$0.00}. 

Here are the facts, so far : On XX/XX/year> I opened a new credit account with XXXX XXXX XXXXXXXX, and included a balance transfer request as part of that application. My Discover balance at the time was {$5300.00}. XXXX would only accept a full dollar amount for the balance transfer request, so that would leave the Discover balance at XXXX cents. 

The balance transfer was processed by XXXX on XX/XX/year>. Pre-existing auto-payments to XXXX & XXXX XXXX XXXX Discover card added {$21.00} in new charges to that account, bringing the balance to {$21.00}. I applied a {$10.00} cashback to that balance, leaving a final balance of {$10.00}, which was paid off on XX/XX/year>. 

Instead, we have a case of Discover choosing not to process the balance transfer for several days after it cleared the XXXX  account, charging me a bogus late fee for " missing '' a payment that I didn't miss and then adding interest charge on a balance that no longer exists. Discover has no way to dispute this type of bogus charges on their website, and attempts to reach them by phone are ridiculous, as is the case with any corporate phone center system, unfortunately. I would like to believe this entire situation is a mere bookkeeping error on their part, as opposed to deliberate malfeasance, but of course the additional result of this nightmare is that my credit rating has dropped by over XXXX points in the course of a month.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Dave Operating, LLC (CA)

Xref : complaint ID XXXX XXXX story short, one of these financial institutions has essentially stolen {$490.00} from me, and neither will acknowledge. 

On XX/XX/year>, I instructed my financial institution Dave.com to issue a check to my private party mortgage holder and send it directly to her bank XXXX XXXX  XXXX XXXX ). 

On XX/XX/year>, my private party mortgage holder advised that XXXX  XXXX XXXX had charged her account for a returned item. I subsequently deposited another payment for XXXX, and followed up with Dave.com. 

After multiple emails, letters and telephone conversations, Dave.com insists that the check was successfully cashed and provided a canceled check as proof of payment. 

I wrote to XXXX XXXX XXXX on XX/XX/year> with a copy of their returned item as well as proof of payment from Dave.com. I received no response. '' I filed a first complaint with CNFB ( XXXX ) and received a response from XXXX XXXX XXXX that they had made no error, and refused my complaint, Documentation of both the returned item and canceled check are attached to the cross referenced complaint, One of these financial institutions has my funds, and I want then returned.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have over {$33000.00} in savings with Capital One. Those funds were supposed to be making 4.35 % interest but were only actually paid .3 %. I have transferred all that money out of Capital One but would like to be reimbursed for the interest that was not paid as advertised.
Consumer complaint received 2023-06-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KY)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/year>, I contacted American Express to discuss a balance transfer. I was informed that the account I have does not qualify to transfer from particular bank institutions, and only XXXX qualified, not the whole XXXX I was approved for. The terms were unclear and did not state this information when I initially applied. I asked the agent for more information where it stated this information, and he could not find anything and stated he would escalate for someone to call me back. I have not heard from them.
Consumer complaint received 2024-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (AL)

I am XXXX XXXX XXXX turning XXXX this year. I am a victim of identify theft and these are not my accounts. I did not ask anyone to open these accounts. The companies can not provide signatures or proof that I opened these accounts. Please help me.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was used as a Authorized User i did not give permission to be a authorized user. Capital, one looks like the limit was {$300.00} and it closed XX/XX/2023, I don't know the account number. this account is showing on my credit report Please remove and restore my credit score points that was taken
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (NJ)

NAtionstar/Mr.Cooper Mortgage compnay transferred my mortgage to another compnay after they trasferred my mortgage they changed XXXX XXXX XXXX and XXXX CURRENT STATUS to PAST DUE.??? 

this is incorrect the mortgage payments were not late and they have no right to change status from 10 months ago!!!
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I respectfully ask for a removal of this inquiry that are not initiated by me, and made without my consent. These requests are irrelevant to me, and I didn't give approval to them. I demand their prompt expulsion from my credit report.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had an epsiode at work. Hence work being the XXXX called the ambulance for me to go to the hospital. Workmens comp should have been filled on this and never was. Workmens comp is responsible for the bull not myself and its being billed to me. THis was never submitted to workmans comp. I have requested many time that this be submitted to workmans comp and I get no result.
Consumer complaint received 2023-05-12
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. (DC)

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

Hello, I'm fed up. My almost {$800.00} per month student loans resumed this XX/XX/XXXX, and this is what I've had the displeasure of dealing with : XXXX set up auto-debit well before XX/XX/XXXX, along with my bank account information. 
-On about XX/XX/XXXX, I logged into my student loan account and was advised by Nelnet XXXX my account was delinquent, and I had to pay the outstanding balance immediately. 
XXXX did, and then they charged me twice for XXXX. When I tried to call them to remedy the situation, I was told I had to contact my bank to reverse the charges for the second unauthorized charge, which I did. The second charge was reversed. 
-While I was still doing automatic debit with Nelnet XXXX I received another message from them in XXXX that my automatic debit was not accepted because I had " insufficient funds. '' This was nonsense, as I had well over {$1600.00} in my account, and told them such. 
XXXX 'm continued to be hounded by emails and statement balances from the XXXX XXXX XXXX XXXX and Nelnet XXXX letting me know I am " behind '' in my payments. 
-As a last resort, I decided to just use my bank and XXXX XXXX XXXX payment to XXXX XXXX. 
XXXX just received a notice from my bank a moment ago that the transaction " Failed '', even though I have {$2200.00} in my account. 
-My patience is at an end. If Nelnet doesn't remedy this situation within 10 days, that will let me know I will need to pursue further legal action to protect myself from their nonsense. 
-I am begging you to please help me. I am not trying to get out of anything, and this is the first time in my life that I've had to strategize how to pay another entity ; you'd think they would want more money. Oh ... nevermind ... I won't get the scraps of minor interest rate reduction if my auto-debit is disputed or cancelled. 
-And this has been really great just in time for the holidays, so I guess my loved ones will be lucky to even get a card this year with this ridiculous amount of money I'll have to pay every month once again, even though the whole reason I got this degree was to become a clinical psychologist who helps my patients every day with suicidal thoughts, XXXX, and anxiety. Which I am a clinical psychologist, and help my patients everyday. 
XXXX days from today, and then I'll take further legal action if there is no response or remedy. I'm done. And I'm certain the XXXX would like to hear about my story, so I'm preparing for that too.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have been reporting Date Of Last Activity incorrectly/differently on my XXXX and Equifax report which is in violation of the FCRA reporting compliance guidelines. Also when I disputed these inaccuracies in XXXX of XXXX with the credit bureaus the referenced companies went in and updated my Date Of Last Activity to XX/XX/ when the date of last activity on the referenced accounts were initially different which is also a violation. Credit bureaus continue to say these accounts are verified as accurate when they clearly are not.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (CA)

I am the victim of Identity Theft and have my Identity Theft report attached along with this complaint. I have attempted to reach out to the companies who initiated the fraudulent accounts and the credit reporting agencies but nothing has been rectified as of now. 

In XX/XX/XXXXXXXX  my wallet was stolen while at a XXXX in XXXX, California which contained my social security card, my driver 's license, and bank card. I was also notified that my personal information was compromised in data breaches by Equifax, XXXX, and XXXX. In XXXX of XXXX  I checked my actual credit report for the first time since that situation occurred and found fraudulent accounts listed that I did not authorize including inquiries for credit products that I did not authorize. 

Those items are listed below : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AR)

I saw a Collections record on my credit report posted on XX/XX/XXXX  by Fair Collections & Out. The agency never sent me a single debt validation letter or intimation regarding this record via any phone call, email or postal mail to my physical address. On enquiring further on XX/XX/, they informed me that they sent 2 letters to an address where I lived more than a year ago, and never called despite having my phone number in their records. They even had my current physical address in records but someone in their system sent the letters to the old address and never checked if these letters were received. Because of their internal issues, I was never given a chance to validate or verify what the debt is about, and a Collections record has been added to my credit report.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account