davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC (IN)

My loan with XXXX XXXX XXXX was consolidated into one loan as a federal student loan which is in good standing. My XXXX account was then closed and removed from my credit history as a result. However, Sequium Asset Solution has apparently reopened the account stating that I owe them {$2500.00} as of XXXX and they are reporting that I opened the account on XX/XX/XXXX. My loans from XXXX were from XXXX so I have no idea where they got this information. I have never had an account with them, I have never borrowed money from them and for them to send me to collections for an account that has been consolidated is fraudulent. I even spoke to them when they called and told them that it was already closed out. I have had ZERO collections accounts since XXXX and had no new loans of that amount since then.
Consumer complaint received 2023-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (LA)

I sent {$500.00} via XXXX on XX/XX/2023 through Chase bank to a person, that Im now finding out, is impersonating a puppy breeder. They are harassing me and will not send back my money.
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Prior Reference : XXXX In XX/XX/2023, I planned to pay-off my mortgage after my HAMP was applied. SPServicing has a website that does not actually allow contact or interaction. I sent emails and eventually I was told to request the pay-off letter on XX/XX/2023. A document was posted XX/XX/2023. I used my bill-pay system to send {$2000.00} for closeout. I realized they must have all funds and I EZ paid the last {$300.00} for a total of {$2300.00}. I called because I require the letter stating I have satisfied the account. I even sent a request to the Ombudsmen. 

On XX/XX/2023, I called because I required the notice to move forward on an action. I was told that since I did not send certified funds, the funds were posted regularly. The representative stated that they will send a request and it will take 72 hours. I took three business days. This placed a delay on my actions.

I called this morning, now the representative states it will be ten days and my mortgage is not considered paid. I said I knew where to contact and hung up. 

This company will have consumers on automated called for payments even when they are not late. Now, that the mortgage is closing, SPServicing want to delay the process. I understand there are steps, but they have verified funds and could acknowledge the completion of payments. 

The Ombudsmen never responded and I fear they will not attempt to make the correction. I was specific that I needed just the completion letter.
Consumer complaint received 2022-11-08
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)

XXXX Account Information Address XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Loan Type REAL ESTATE-JUNIOR LIENS Date Updated XX/XX/XXXX Payment Received {$150.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$30.00} per month ; paid Monthly High Balance ( Hist. ) High balance of {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX XXXX 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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I've sent several letters to the credit bureaus asking them to update my current mailing address and to remove all outdated and or fraudulent mailing addresses from my consumer credit files. To date, they have refused to correct his information which has caused significant damage to my ability to maintain or obtain credit. I've also asked them to update my employment and remove my previous employer information from my credit file. As of this complaint they have not complied with the request to provide me with a 100 % accurate credit file as stated by the FCRA.
Consumer complaint received 2023-02-22
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: Global Credit Union (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-18
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)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

Hello You are in Direct Violation of the Fair Credit Reporting Act ( Nelnet Department of Education ) has violated several of my rights.

15.U.S.C 1681 section 602 A. Cleary states that I have the right to privacy.

15.U.S.C 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on credit card account under open-end consumer credit plan as last for any reason or purpose. 

I am requesting these late payment from Nelnet Department of education be remove and update this account immediately as you are in direct violation of several laws under The Fair Credit Report Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

DATE : NAME : XX/XX/XXXX XXXX XXXX ADDRESS : XXXX : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 


In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 

Please remove it from my credit report or Im seeking litigation please delete.

1 ) I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2 ) I demand the following fraudulent Inquiries be deleted from my credit report immediately. 

Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX 3 ) I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX 4 ) I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 5 ) I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX Date of Inquiry : XX/XX/XXXX Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: REGIONS FINANCIAL CORPORATION (FL)

I have a Regions credit card over ayear and always paid my bill on time but the last few months I did not receive a statment I did speak to a manager XXXX but she could not help? Somehow I was put on E-Billing without my concent and never was notified? When I finally got a letter on XX/XX/2022 Stating my unpaid bill and my charge privileges have terminated and my {$340.00} cash rewards was revoked and my credit rating was damaged, all XXXX hade to do is send me a bill.I paid the bill on XXXX. Please Help!! 
.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA is charging me a 30.4 % predatory interest rate on my Credit Card. I called them twice and asked for a better rate. It was 15.99 % originally. They said they did not have a better rate for me. My credit score is XXXX. USAA is for Veterans only. I think it is disgusting that they think they can charge me such a high rate. Maybe they should not be allowed to represent Veterans!
Consumer complaint received 2023-08-23
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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
Consumer complaint received 2024-02-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

My original loan servicing was for {$7200.00} vut the total due now is {$44000.00} - my loan was taken in XXXX  & i only completed two semesters before I was forced to leave due to unfortunate circumstances outside of my control about six months. After that I started getting bills and one loan was for like XXXX something a month the other one was for XXXX something a month, which was unattainable to me then still is now the payments have gone higher, even after trying to do an idr so for my entire adult life, even though I only can completed half a year of schooling, my credit has been destroyed and now Im unable to get housing. Im unable to get a car or car loan in my employment is at severe jeopardy, because of both of these issues. 
I have tried putting myself into the plan that the student loan servicing offers, which would bring your loans current and work out a payment plan with you, but they said Im not eligible
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
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. (IL)

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, Account name : XXXX XXXX # XXXX, Account XXXX : XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX  # XXXX, Account name XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : US DEPT OF EDUCATION # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXXhas 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.

in accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. Failure to remove these accounts immediately will result in a { {$1000.00} } fine. Note that a copy will also be sent to FCRA.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-12-20
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was never late on this account. Please check the status on this account. 

Inquiry XXXX This inquiry was not authorized
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my eleventh attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from the identity theft.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # XXXX, Account amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$800.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Amount : {$180.00}, Account Name : XXXX XXXX XXXX Account # XXXX, Account Amount : {$1900.00}, Account Name : XXXX XXXX XXXX XXXX, Account # XXXX, Account Amount : {$360.00}, Account Name : XXXX XXXX XXXX XXXX, Account # XXXX, Account Amount : {$1000.00}, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Amount : {$9900.00}, Account Name : XXXX XXXX XXXX XXXX, Account # XXXX, Account Amount : {$500.00}, Account Name : XXXX XXXX XXXX XXXX Account # XXXX Acount Amount : {$270.00}, accounts 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 permission instructions.

15 U.S.C 1681 C. ( 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 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 2023-12-20
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. (AZ)

On XX/XX/23 I sent a certified letter to Equifax.Commission File Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX the removal of of hard inquires on my credit report in accordance to XXXX U.S.C XXXX XXXX XXXX XXXX ( XXXX ), as well as correcting my personal information. As of yet these corrections have not been made and is impacting my consumer credit.
Consumer complaint received 2023-04-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

No result. They told me this was done online and there was no way to track the people who made these inquiries. I explained that did not authorize anyone to apply for anything under my social security number. I wasnt could press charges due to not having proof of the person who did this.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to Metro 2 compliance standards.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting.