davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-16
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. (PA)

I contacted all three companies bureaus XXXX, experian, and XXXX on numerous occasions regarding my personal credit report wanted to know why my credit score keeps dropping when in fact i never apply for credit and my bills are always paid on time.example signed up with experian credit monitoring service, however i'm at a XXXX credit score for 3 weeks, then i check on XX/XX/2018 and my score dropped 9 points over night in addition my score dropped 18 points with XXXX, and 10 points with XXXX, so my plight is if all my bills are being paid on time and i never applied for more credit and there is no negative information being reported then why is my score dropping this appears to be an personal vendetta against me for having lawsuits with all 3 credit reporting companies in the past.In addition they are not reporting that i have a mortgage which i signed on with wells fargo bank as well. They are also reporting accounts which have been resolved with XXXX  XXXX XXXX and ect. Please help me resolve these issues because it appears they have a personal vendetta against me for filing lawsuits against them for wrong doings.
Consumer complaint received 2024-03-07
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. (MI)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I request that these fraudulent items be deleted from my credit report at your earliest convenience. I have a security freeze on my accounts, which should have alerted me before my credit was run. I did not receive any notification or alert to my credit being run for these accounts, which is concerning. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit regarding this incident. In addition I have attached a PDF document reflecting all items that were found to be unauthorized.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I wish to file a complaint on Capital One bank. They are investigating a couple of wires I received because they wrongly believe them to be fraudulent and they are withholding my funds and have blacklisted me on XXXX blocking me from opening an account with any other bank. 

The details of the wires are as follows. My girlfriend, who is working overseas, has a son who is seriously ill in a hospital near XXXX. She was having problems paying the doctor directly so she asked me if I would accept the wires and forward the funds to this doctor. Of course considering her sons health is at stake. I agreed. She first sent me a {$4900.00} wire on XX/XX/2022 to pay the doctor for treatment as needed. 

Capital One made those funds available to me for use. Now since the general rule of banking is once a wire has been accepted by a bank and the funds are debited in an accountholder account, those funds are available for immediate use. So I forwarded a portion of those funds to the doctor. A second wire of {$7600.00} was then sent on XX/XX/XXXX, again accepted by Capital One and deposited into my account for use. Again believing those funds were available for use, I forwarded some of those funds to the doctor on XX/XX/XXXX. Then out of the blue, on XX/XX/XXXX, Capital One reversed the second wire transfer to the doctor, locked my accounts preventing me from having access my money in any account, and actually sent back to funds from the second wire to my girlfriend! I mean what bank does that? I called them to find out what was going on, and they explained they were investigating the wires and believed I was the victim of a scam. Now I am a customer or Capital One, and a bank responsibility is to protect their customers. Now what bank believes their customer is the victim of a scam, yet returns the wired funds to the SCAMMER. By doing so they have created a NEGATIVE {$5100.00} balance in one of my accounts and they are actually demanding I send them funds to bring it up to XXXX. I have two accounts at Capital One. The one that now has a negative {$5100.00} balance due to them returning the {$7600.00} wire to the sender, and a second account that has a positive {$6100.00} balance. But they refuse me access to the account with funds so I can cover the negative balance in the other account
Consumer complaint received 2023-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MD)

My XXXX loans were in default and I spent years trying to set up a plan to rehab them. XX/XX/XXXX I finally entered a repayment plan. {$0.00} payments were to count towards on time payments needed for 9 months and then transferred out of default. While buying a house they showed up and I checked and found they were still in default incorrectly. Default resolution group said they didnt transfer and I enrolled in fresh start. My mains were transferred out of default to Nelnet XX/XX/XXXX. XX/XX/XXXX I emailed nelnet asking for my login, loan balances, loan status, payment amounts. XX/XX/XXXX I spent hours on hold trying to get a login and my requested info. Nelnet said they do not have an account for me whatsoever. The same day I made multiple calls, emailed Fed Aid, and they all said that nelnet has my loan and this is the only place I can get that info. I submitted a complaint to fed loan and recieved email responses from fed aid indicating that my loan servicer is dev resolution and to call them for the info but Im the phone they and debt resolution said nelnet has my info. The debt resolution XXXX site shows my loans transferred out XX/XX/XXXX, the fed aid site shows them in default still. I received a letter XXXX dated XX/XX/XXXX stating my loans are out of default and to nelnet. Ive submitted multiple complaints, called, emailed, messaged, and still no one has my information. I reached to XXXX XXXX office who as of XXXX is assisting me and filed a complaint. I have filed a complaint at whitehouse.gov. XXXX. I am going to lose my house because of this and all I need is my loan amounts, loan status, and payment amounts from Nelnet. I close on a house XXXX and have at this point spent years trying to correct my XXXX loans and now a week just trying to get my information verified and this is preventing me from closing on a house. PLEASE PLEASE PLEASE HELP ME!
Consumer complaint received 2020-12-23
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXXXXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I requested proof of verification from Experian 's investigation. According to FCRA consumer reporting agencies are suppose to provide proof of how they verified accounts that are being reported. 15 USC 1681a I am within my rights to ensure accuracy and facts on my credit report, and the law states I can request proof of verification giving detailed information on how each account was verified.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX.Account name : XXXX XXXX XXXX Account XXXX XXXX, XXXX.Account Name : XXXX Account # XXXX, XXXXAccount Name : XXXX XXXX XXXX Account # XXXX, XXXXAccount Name : XXXX  Account number # XXXX, XXXX XXXX XXXX XXXX Account Number: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 2023-11-04
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. (TX)

I have attempted multiple times to dispute hard inquiries on my credit report from XXXX  and equifax and they refuse to remove them. They claim that they are accurate and I have disputed that they did not have my authorization.
Consumer complaint received 2023-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have attempted multiple times to dispute hard inquiries on my credit report from experian and XXXX and they refuse to remove them. They claim that they are accurate and I have disputed that they did not have my authorization.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (MS)

I was trying to access my account today with USBank at XXXX XXXX XXXX. I entered all the credentialing information, and it sent me to reset passwords three times, and none of the passwords worked to access the account. Afterward, I contacted XXXX, and an agent got on the phone, and she asked for all of my information. She was very XXXX XXXX XXXX. Instead of trying to assist me, she stated to download the app and, if I had any other concerns, to call back. I explained that my issue wasn't resolved and wanted to speak with a supervisor. She waited 5 minutes and stated that a supervisor wasn't available. I hung up the phone. Neither the app nor online services work to access the funds due to me in the account.
Consumer complaint received 2023-04-20
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. (MI)

As I looked into my credit report, I found that part of the data was inaccurate. The 3 credit Bureaus must verify these accounts ' authenticity in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify these reporting accounts as unverified information. Sections 611 ( a ) and 609 ( a ) ( 1 ) ( A ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX Balance : {$41000.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There is an unauthorized inquired from XXXX XXXX XXXX on my TRANSUNION consumer report. I have no knowledge of this inquiry. I have filed a FTC Identity Theft report which is attached.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have identified and notice many mistakes on my credit report. I have filed a report with the FTC. I would like to have these inquiries deleted. I did not authorize these company to run my credit that's fraudulent. I have reached out to all XXXX bureaus of the mishaps and they told me to wait a while and I will notice a change it has been over 6 months and no updated credit report. Thank you.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Despite evidence that this is an UNLIQUIDATED debt in dispute in state court your XXXX XXXX XXXX XXXX, NY XXXX employees and your XXXX XXXX XXXX XXXX, IL XXXX employees continue to report inaccurate information on my credit report. I have contacted and will continue to contact every state and federal government agency available to enforce the laws you keep breaking for the obvious intended purpose to cause me harm. Several AGs, the FDIC, corporate oversight agencies and anyone else I can find to put a stop to your criminal behavior against me, have already been given my complaint in state court outlining your continued violation of credit reporting laws, FDCPA violations, deceptive biz practices, slander lible negligence to name a few. So I beg you to stop reporting inaccurate credit information, 2 months late status, the wrong address on the debt, the wrong month it was sold, the wrong agency that insures it because this debt is no longer with XXXX XXXX, the wrong monthly payment because u never paid ins in escrow XXXX, the wrong number of payments because I never made a payment and cant because it was fraudulently induced, and more. So please I beg you stop reporting this debt to the credit bureaus. Its just mean and intended to and does cause me harm.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (CA)

On XX/XX/2023, I notified PHH about a payment we made on XX/XX/2023, in the amount of {$3100.00}, that was submitted for our XX/XX/2023 mortgage statement, which also included an assessed {$950.00} bankruptcy fee. I was told that the account was currently under modification and that any adjustments would be made after the modification trial period. 

On XX/XX/2023, I again notified PHH that the {$950.00} bankruptcy fee was still showing on our statement. We were informed that the accounting error would be adjusted. We again notified PHH on XX/XX/2023, and XX/XX/2023, with no follow-up from PHH. 

On XX/XX/2023, we again notified PHH, and this time were told that the {$950.00} had been incorrectly applied to the principal balance, that there was nothing that could be done, and that we would be responsible for remitting a payment of {$950.00} as it was still showing past due. We were told that the balance due could be submitted through USPS.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (WI)

On XX/XX/XXXX I XXXX XXXX, did a pre-qualification for financing with Carvana LLC on that very same day I placed an order for a XXXX XXXX XXXX XXXX XXXX. I provided all necessary documentation for approval I provided documentation between XXXX XXXX XX/XX/XXXX on XX/XX/XXXX I was approved and had a delivery date set for XX/XX/XXXX. I called on XX/XX/XXXX and had the delivery date rescheduled for XX/XX/XXXX. On the date of delivery I got a call from XXXX claiming shes a specialist at Carvana LLC which is a vague statement what does she specialize in? She stated I provided a paystub and whenever a paystub is provided they have to verify income even if thats not a requirement. When I applied I never was ask for income verification I submitted the paystub to verify my address. They asked for identity verification and address verification never for employment verification but yet XXXX tried to verify my income 3 hours before my delivery time. XXXX asked me for additional information which was my manager/ supervisor contact information I successfully provided XXXX with such information, XXXX stated she would call and verify my employment/income which was not a requirement. XXXX contacted me 30 minutes later and admitted she did not contact my employer instead she did her own research which is her opinion so she canceled my vehicle delivery based on her opinion about the company because they dont have a website but theyre registered with the state. XXXX stated unfortunately because my employer doesnt have a website and she couldnt verify employment I would not be getting the vehicle I was promised. XXXX also made it impossible for me to get financing with Carvana LLC. This call with XXXX took place approximately at XXXX am XXXX on Wednesday XX/XX/XXXX I called Carvana LLC and spoke with a different advocate after speaking with XXXX her name is XXXX she stated that is was unusual for them to call right before delivery and she stated that someone inappropriately approved my purchase on their end. I am deprived of a vehicle because of Carvana LLC advocates and their opinions. I have reason to believe that this is a discriminatory action that was taken along with deceptive business practices on Carvana LLC end. Carvana LLC and their affiliates mislead me having me thinking I was getting a vehicle and in fact I wasnt. You cant approve someone and then not give them their goods. All underwriting should have been completed before APPROVAL.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
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. (WI)

On XX/XX/XXXX I told Experian, XXXX and XXXX that I had fraudulent inquiries. Due to bogus car lot in XXXX IL. Credit inquiries from XXXX XXXX XXXX ( XXXX ) XXXX ( XX/XX/2023 ) XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Are all fraudulent inquiries. I did not authorize. 

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

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.