davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
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. (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. 
Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 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. 

The date of service is XX/XX/XXXX and also XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (TN)

Zion Holdings does not hold a license in my state of Tennessee to collect debt. This has been confirmed by the TN XXXX XXXX XXXX XXXX XXXX This was a fraudulent debt placed on my credit report with no notice as an attempt to receive payment. I was never informed of this debt and this company has very abusive tactics. During this process I it was determined this was not a valid debt and was handled accordingly by the credit bureaus. XXXX XXXX violated several XXXX laws during this process such as failing to read mini XXXX rights when discussing personal information. This occurred 4 times. They also violated the law by texting me without my permission multiple times. On XX/XX/XXXX after receiving a very poorly conducted text message demanding payment and offering full credit report deletion after paying, I informed XXXX XXXX ( fake name ). That this has been handled and it is illegal for any contact to continue. I have now received an email demanding payment again. This is now criminal harassment and attempted theft. This agency is connected to XXXX XXXX XXXX, who just settled several law suites for fraud. It appears XXXX creates fraudulent debts on old closed accounts. This agency is very unprofessional and the way they operate is very obviously criminal. It is apparent within first contact with them you are not dealing with a reputable company. They have several law suites and investigations. I have had to make a police report on this matter.
Consumer complaint received 2023-11-14
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. (NJ)

Subject : Late Payment Verification Dispute Dear [ Experian, XXXX ], I hope this letter finds you well. I am writing to dispute a late payment entry on my credit report associated with your company, XXXX XXXX XXXX XXXX XXXX XXXX ]. After reviewing my credit report, I noticed 4 late payment notation for the account [ XXXX ] I believe there may be an error in the reporting of this late payment, as I have always been diligent about making timely payments. To address this matter, I kindly request that you provide verification of the late payment, including but not limited to : 1. Date and amount of the alleged late payment.

2. Proof that the payment was indeed late.

3. Any communication sent to me regarding the late payment.

4. Method of verification used to verify account I understand that accurate reporting is crucial, and I am confident that this matter can be resolved promptly. Please investigate this dispute and provide me with a written response within 30 days, as stipulated by the Fair Credit Reporting Act.

If, after your investigation, it is determined that the late payment entry is inaccurate, or you can not provide the requested information I request that you promptly update the information with all major credit reporting agencies. Your cooperation in resolving this matter is greatly appreciated. 

Thank you for your attention to this dispute. I look forward to a timely resolution. 

Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-11-14
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. (MA)

Hard Inquires for new credit were done on my credit report without my consent, I didnt approve for any of this, someone have being using my information for fraudulent purposes. 

The this of companies or banks that were use to request this credit/loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2023 I made a purchase and the purchase just posted on Tuesday XX/XX/XXXX I called the bank to ask him about Veterans Day cuz I also got charged or overdraft fee for Veterans Day when all banks were closed they explain to me that the bank still works I don't understand how I got charged to overdraft fee for a transaction that was done on Thursday and I also deposited money into that account had a positive balance wake up on Tuesday XX/XX/XXXX with a negative balance and another overdraft fee the reason I'm writing is cuz I have been complaining numerous of times about how this bank is very abusive with their fees if I did a transaction on Thursday that transaction should have posted on Monday especially if there was no holidays but this bank is very abusive cuz what it does is that it charges you overdraft fees it waits to all the other transaction posts and then the overdraft fee makes your account look even more negative and that's when they take advantage and they they charge you more overdraft fees this bank is very abusive with these fees I feel like the federal government should investigate them this is why Wells Fargo 's has been XXXX of the worst banks in XXXX or it needs to be sold to a better institution that will appreciate customers and not over abuse them like this bank has done I'm so tired of arguing with them and fighting with them about these overdraft fees especially when they notify you at XXXXXXXX XXXX in the afternoon and they give you to XXXX midnight the same day they consider that XXXX hours I consider that XXXX hours that is nowhere near XXXX hours it is not right how this bank is treating people and I feel that there should be Justice against all banks that abuse customers we all work for our money there's no reason why a financial institution to take our hard-working money that they have nothing not even a sweat to receive this bank has been making profit off of me for years and I am very tired of it I was told by representative that if I didn't like them that I'm more than welcome to go to another financial institution I don't have a problem in going to another bank I just choose not to cuz I'm tired of all these Banks abusing it's not just Wells Fargo 's it's all banks in America that are very abusive this is my second complaint on this bank about to overdraft fees hopefully this Bank will stop the abuse soon thank you for your time and your help
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-03-14
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. (UT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

caliber home loan is erroneously reporting 3x30 late on my current mortgage account. All payments were made on time, BUT caliber misapplied payments, and added property insurance WITHOUT my knowledge when I ALREADY HAD EOI, then charged me for the 2nd policy WITHOUT my authorization and MISSAPPLIED my mortgage payment toward the 2nd UNNESESARY HOME OWNERS POLICY and reported late pay for this account ... please help resolve this injustice!

ALSO, THE LETTER I SENT TO THE ADDRESS THEY REPORTED TO C.R.A CAME BACK UNDELIVERABLE ... THIS IS A F.C.R.A. VIOLATION ....

CALIBER HOME LOANS , INC . 
Account number XXXX .... 
Recent balance {$580000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. {$3200.00} past due as of XX/XX/XXXX. 

* Caliber assessed lender placed insurance on my loan because my insurance company did not provide proof of coverage. I was unaware of this. 

* A Caliber rep advised me NOT TO PAY the XXXX payment until it got sorted out and the amount was corrected. 

* I paid the XXXX payment on XX/XX/XXXX ( the amount was still incorrect ; I was worried about going too long without payment ). 

* I paid the XXXX payment on XX/XX/XXXX by phone. The Caliber rep apparently mis-entered the account number. After getting confirmation of payment, I found out a week later that the payment did not actually go through. 

* I paid the XXXX payment AGAIN on XX/XX/XXXX. 

* Checking the account online daily, it still showed I had over $ 6K in  late payments, which was fully incorrect. 

* On XX/XX/XXXX, a Caliber rep told me I needed to " get my account current '' and then escrow would be removed and they would get it sorted out with the credit bureaus. 

* When I spoke to the same rep earlier this week he said he " couldn't explain it '' but " there was nothing they could do. '' AAARRRRGGHHHHHH!!! 

Meanwhile, my credit score dropped 80 POINTS IN ONE MONTH. I have spent hours on the phone trying to get help with this mess, sent a letter of dispute, emails, etc. This has been a nightmare! I have lost sleep due to XXXX over the last 3 months I've been trying to get this cleared up.
Consumer complaint received 2018-05-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (MN)

Spouses first consolidated loans in XX/XX/XXXX and later refinanced the consolidation loan in XX/XX/XXXX with a balance of {$110000.00}. Husband diagnosed with chronic XXXX XXXX and unable to maintain income. Hardship deferral offered. Loan balance grew and is currently {$270000.00}. Now paying on income-based repayment plan but do not anticipate ever having enough income to pay off the loan.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

The night of XX/XX/XXXX I checked my TD online account and noticed that my account balance was much lower than expected. Upon reviewing the transactions I saw XXXX large withdrawal transactions. A withdrawal of XXXX and XXXX dollars on XX/XX/XXXX from the XXXX XXXX XXXX XXXX TD bank location and XXXX cents from XXXX bank ATM in XXXX on XX/XX/XXXX. A total of XXXX was taken from the account and XXXX in atm fees. 

I immediately contacted TD banks fraud department and notified them about these fraudulent transactions. The representative I spoke with informed me that the transactions were completed with a newly administered debit card. The debit card I still had in my possession was set to expire XX/XX/XXXX, so the bank automatically issued a replacement card via mail. This replacement card was mailed XX/XX/XXXX but never received by me. The representative informed me that the card was activated by the other party on XX/XX/XXXX then they proceeded to withdraw money. I submitted an affidavit explaining I wasn't the one who made these transactions and had it faxed to TD fraud from my local TD bank location. I closed both my checking and saving account that was connected to the compromised card and reopened new checking and saving accounts on XX/XX/XXXX I've filed XXXX claims with TD bank already, but they keep being denied, saying that a valid card and pin was used to make the transactions and not being further investigated.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (VA)

A credit card was opened in my name at XXXX XXXX in XXXX of 2023. I immediately reported this as a fraudulent account to XXXX XXXX, who investigated and found the credit inquiry and the credit account to be fraudulent. The claim number for that investigation is XXXX The findings of that report were then sent to the three credit bureaus on XX/XX/2023. 

On XX/XX/2023, I submitted a dispute with Equifax to have the inquiry and the credit account removed from my credit report. Equifax claimed that they never received any documentation from XXXX XXXX showing that there was an investigation or that the account was found to be fraudulent. 

On XX/XX/2023, I called XXXX XXXX and requested that the investigation report be resent to the credit bureaus.
Consumer complaint received 2023-11-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

My student loan was with Great Lakes. My school XXXX XXXX XXXX year, so this loan was XXXX. I have an email on XXXX from Great Lakes this has been XXXX. On XXXX Nelnet took {$50.00} from my account. I've sent netnet XXXX emails with the XXXX email information and nelnet has not contacted me. There is another payment expected XX/XX/XXXX that will not be paid, but I do not want my credit score affected.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-11-14
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris & Harris, Ltd. (MD)

I sent a validation of debt letter to Harris & Harris Ltd. They were attempting to collect a debt of behalf of XXXX XXXX. Harris & Harris have not validated the debt it has been eight months. I sent my letter on XX/XX/XXXX via certified mail tracking number XXXX. This company caused me to loose my lottery license and job at the XXXX XXXX. The debt is was not validated and is not on my credit. Harris & Harris also is not licensed to collect in the state of Maryland.
Consumer complaint received 2023-11-14
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: OneMain Finance Corporation (OH)

I applied for a credit card that stated XXXX annual fees. Two weeks after receiving the card, I went to make the online payment and notice there was a {$65.00} Annual fee charge. I call Customer Service and informed them that the only reason I applied for this particular card is because it stated XXXX annual fees. The person I spoke with informed me that the only way to waive the annual fee is to close the credit card. I requested that he close the card and I will pay the balance minus the annual that he agreed to waive. I paid the {$250.00} and requested to waive the fee. After several transfers they informed me that they could not waive the annual fee sense I already used the card and the credit card is now close. I stated if I have to pay this annual fee then reopen the card! They stated unfortunately we can not do that! I informed them that the only reason I close the account is because they agreed to waive the annual fee. A supervisor got on the phone and said they will use my situation for better training purposes, however there is no way they can waive the annual charge.