davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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. (GA)

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

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-07-05
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. (OK)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OK XXXX, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-04
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. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

A guy called saying someone in XXXX was charging on my capitol 1 XXXX. Then he wanted to close and send new card. To do that he wanted my card info and all my credit cards. Said it was to protect all cards because someone had all my info my SS and morhers maiden name. The number he called from was from XXXX california. Said nzme was XXXX XXXX desk # XXXX XXXX XXXX emp id # XXXX. The number he called from was XXXX XXXX XXXX
Consumer complaint received 2023-07-04
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. (AR)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-04
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paypal Holdings, Inc (MD)

This is a debt from Paypal that was sold to XXXX XXXX XXXX account number XXXX. I should in fact be filing multiple claims against them. A company claiming to be a debt collector but was Paypal asked me over the phone if I wanted to make payments to this account to bring it to XXXX. I explained that I didn't authorize, sign, or provide authorization for this account to be charged after it had been charge {$100.00} twice, overdrawing my Venmo debit card ( a subsidiarie of PayPal ) that no company had the right to withdrawrl one cent. They did and it overdrew my account so I had to call in to have the money returned which it was three weeks later. Three weeks later they reverse their decision without any notification causing that account to be overdrawn again and more fines to mibe incurred. When I called to see why they 6 weeks later decided that the charges were legit and to charge my account twice once again, this appears to show itself as just fraud and not is with a real debt collector. I kindly ask they go back to be original decision reimburse me for the {$200.00} in unauthorized charges and the additional funds returned be returned immediately, you can XXXX
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

Subject : Incorrect Reporting and Duplication of Student Loan Entries by Department of Education/NELN on Credit Report I am submitting this complaint to address a significant error on my credit report involving the Department of Education/NELN XXXX which has XXXX duplicated entries of student loans that no longer exist under their management. My student loans were transferred to XXXX XXXX XXXX, yet the Department of Education/NELN continues to report these loans as active, with multiple erroneous entries. 

Detailed Issue : Incorrect Account Listings : The loans previously managed by the Department XXXX Education/NELN and transferred to XXXX XXXX XXXX are still appearing on my credit report as active under the Department of Education/NELN with multiple entries, all updated as of XX/XX/2023. These include several loan amounts such as {$440.00}, {$7700.00}, {$2000.00}, {$4100.00}, {$7000.00}, and others, totaling XXXX duplicate entries. 

Prior Loan Transfer : The aforementioned loans are currently managed by XXXX XXXX XXXX, and I have no open accounts with the Department of Education/NELN . The persistence of these entries from the Department of Education/NELN is incorrect and misleading. 

Failed Resolution Attempts : Despite addressing this error with the Department of Education/NELN, they insist on the correctness of their reporting. This unresponsiveness has compelled me to seek regulatory assistance to rectify these inaccuracies. 

Adverse Impact on Credit : The erroneous reporting by the Department of Education/NELN not only misrepresents my actual debt obligations but also adversely affects my credit score. This misrepresentation could potentially influence my financial opportunities negatively, including obtaining loans or favorable interest rates.
Consumer complaint received 2023-07-03
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. (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. 

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 2023-07-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (FL)

I have a Home Equity Line of Credit for my property located at XXXX XXXX XXXX, XXXX XXXX FL XXXX from Wells Fargo Bank, against whom this compliant is being lodged. I sold this property and closed on XXXX XX/XX/2022, and emailed to my Closing Attorney, XXXX and XXXX XXXX, the Payoff Statement of {$110000.00} ( received from Wells Fargo Bank ). 
My email was intercepted by a hacker/ fraudster, who changed the recipient bank account number on Wells Fargo Payoff Statement while still retaining my Home Equity Account number of XXXX for the application of the transferred funds from the Buyer of the property. The funds were wired by the Seller to the fraudulent account number stated on the edited Payoff statement, and the wire statement had clear printed instructions to Wells Fargo bank to apply the funds to my Home Equity Account. On XXXX XXXX, I observed that the funds had not been applied to my Home equity Account by Wells Fargo Bank. I immediately called my Closing Attorney, who upon quick research observed that the wire had been sent to the wrong bank account. We both called Wells Fargo Bank and requested the customer Service Agent and alerted her of the occurrence of fraud and requested that these funds to be put " ON HOLD '' in their General Account and to NOT APPLY them to any account until this matter was cleared. In this same telephone call, as we were on HOLD, the customer service agent researched and came back to inform us that she had found the funds received in Wells Fargo XXXX XXXX Account. She also stated that she would make a note to put the funds on HOLD and to not apply them to any account. However, two days later, the Wells Fargo customer service agent called me and informed that the funds were applied to the fraudster 's bank account in Wells Fargo Bank and that she had no control over this action. Thereafter, Wells Fargo Bank did not acknowledge the receipt of any funds for application to my Home Equity Account and in order maintain my credit, I have been making the monthly payments for one year after selling my property and the case is still unresolved. Wells Fargo Bank has repeatedly taken the position that the funds were transferred into the bank account to which the wire was sent ( they have not acknowledged at any time that the instructions to " Hold " the funds were not followed or that the funds were NOT applied to my Home Equity Account as per instructions in the wire sent by the Seller.
Consumer complaint received 2020-12-29
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: Credence Resource Management, LLC (OR)

On XX/XX/2020, CREDENCE RESOURCE MANAGE add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDENCE RESOURCE MANAGE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2024-04-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (MN)

On XX/XX/2024, I sent {$7300.00} to Truist Loan Department to pay off my vehicle loan with them. I have the paid-off amount and verification that they received this fund transfer, which they accepted, and they closed my account. Since XX/XX/2024, I have called their loan department, their loan back office, and their upper-level managers many times to request the release of my paid-off account and my vehicle. 
Their response is that they are doing title releases with a third-party vendor, and they have no control over them. 45 days have passed since XX/XX/XXXX, and they have not sent the lien release yet. This has injured my relationship with the dealer who was going to buy my paid vehicle, and now they want to return this vehicle to me and charge me for it. 
This is clearly unfair, deceptive and unfair act and practice on their end.
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (CA)

I have 2 accounts on my credit report that are damaging my credit profile. These accounts being : XXXX ) XXXX XXXX XXXX, Acc # XXXX XXXX ) XXXX XXXX XXXX Acc # XXXX I have the credit bureau multiple times to show me some type of written signature as proof of me owing this debt and they refuse to do so. Therefore making the accounts listed above unverifiable and inaccurate. Reporting such information is a violation of my rights according to the FCRA.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, 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. (NJ)

I just recently reviewed my updated credit reports and Im very upset about the result that I have received. These inquiries are unauthorized reporting in Equifax and XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (AR)

This is my 3rd attempts to inform you that my current status should not be showing late because I paid it on time. The Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these all immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct these accounts immediately : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$14000.00}.
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (TX)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (MA)

This complaint is about my Parent Plus loans with Nelnet.. The amount of the payment is not taking into consideration the High Cost of Living and paying other bills. Interest is climbing faster than I will ever be able to pay off. I am not getting any assistance from Nelnet to resolve the issue. My wife 's income is being calculated when trying to refinance, or consolidate. She is not my daughter 's mother and was not in my life when the student loans were taken out. I would like these loans to take into consideration all these factors and have the payments and/or interest reduced. 
This is the second complaint I have filed against NELNET. The first complaint resulted in them giving their typical- nothing we can do response.
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (OR)

Sending several times of multiple letters, unverified inquiry listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the inquiry that is still showing on my report. I believe I did not sign any paper authorizing this inquiry. Delete it now : XXXX XXXX XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2023-06-30
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. (FL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$28000.00}.
Consumer complaint received 2024-04-22
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 (PA)

I reserved hotel accommodations using the banks travel benefit under offer terms to receive a third night free. While XXXX of the cards benefits allows for an annual {$200.00} credit to cardholders, I did not receive the third night free under the specific terms of the offer. 

The merchants response is that the promotional third night free was incorporated in the rate advertised. Not only is this information false but the terms are vague, misleading and seemingly in efforts to dupe consumers.
Consumer complaint received 2023-06-30
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. (CA)

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX