davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX  ( Original creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/2022 Balance : {$210.00}. Please delete.
Consumer complaint received 2018-05-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (DC)

response to : Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Debt collection NELNET : sent a billing statement as of XX/XX/XXXX with a payment due date of XX/XX/XXXX. 

I paid the full amount on XX/XX/XXXX. This was not reflected in any billing statements. NELNET sold the loan to XXXX. 

Did NELNET sell my loan after I paid it in full?

Did NELNET still continue to express that I had a payment due on XX/XX/XXXX when they sold the debt in XX/XX/XXXX?
Consumer complaint received 2023-08-03
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. (RI)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-01
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. (FL)

I have sent a certified letter to XXXX, Experian, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, Experian, and XXXX failed to do.
Consumer complaint received 2023-09-19
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-08-31
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. (TX)

Transunion is reporting a negative " account '' that I am unaware of and have not been contacted about. I have no knowledge of this. They have allowed other collection agencies to report this same information in the past and don't seem to be learning anything. It's a revolving door with this incompetent company.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/23, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. The credit bureaus had 30 days and didnt remove any inaccurate information from my credit report. They are in VIOLATION of this law because I am a victim of identity theft. Please delete these items immediately.
Consumer complaint received 2023-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (NY)

am not liable for this debt with XXXX XXXX  I do not have a contract with XXXX XXXX XXXX, XXXX, they did not provide me with the original contract as i requested
Consumer complaint received 2023-10-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (NY)

I.Q. Data International has been attempting to collect a debt in the State of New York, which they are not licensed in that state. When I asked for their registration, they refused to supply it despite them stating they are licensed/registered. Upon checking with The State of New York, it does not show anything for them. Furthermore, I have paid them thousands of dollars and they continue to add and accrue interest to the debt despite the fact they will not provide the agreement from the original company, which would allow them to do this. It is come to my understanding, in accordance with State and Federal laws they can not add interest to a debt unless it was stated in the original agreement. Furthermore, they can not attempt to collect a debt in the State of New York unless they are licensed/registered. The account representative, XXXX XXXX, advised me they do not have to provide any documentation or validation pertaining to the debt they are collecting. It is my understanding, it is my right as a consumer to request and obtain proper documentation from the debt collector to not only ensure the debt is mine but more, so they are attempting to collect the proper amount.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these banks have pulled a hard credit on my XXXX XXXX and XXXX and they didnt get my permission.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This XXXX XXXX account was paid back in XXXX  and the company agreed to delete the account once paid, it has still been reporting negatively on my credit report. The account number XXXX. I have contacted XXXX XXXX directly and they are unable to locate an account in my name or using my social security number. I have disputed the account with all 3 credit bureaus with no resolution.
Consumer complaint received 2023-10-05
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. (FL)

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2023-10-05
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. (FL)

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

On XX/XX/year>, I applied for a checking account with XXXX XXXX XXXX XXXX and my application was unlawfully denied My suspicions of Securities fraud were confirmed when I received subsequent email on XX/XX/year> confirming their adverse action against my application which detailed their violations of the Consumer Credit Protection Act, Federal Fair Credit Reporting Act, Fair Access to Credit Act and the truth in lending act by discriminating against me based on third party agency named ChexSystem. I did not authorize ChexSystem to furnish any information to XXXX XXXX. 

In good faith I exercised my rights under consumer credit protection act. I spoke with XXXX XXXX on XX/XX/year> about the adverse action letter and questioned the discrimination and they responded by stating they use ChexSystems and are allowed to do so. 

They refused to open my checking account. I told them I didnt agree and did not consent to this denial and that I have been harmed by their actions of using a third party agency who lacks first hand knowledge and that I did not consent to. 
I requested that he open my checking account and he said based on Chex system he will not.

Chex System erroneous and unlawful reporting has caused adverse actions and XXXX XXXX actions to use a third party information without my consent is unlawful. 

The representative never cited any law that supports this unlawful denial of my god-given natural right to open a checking account. I am the creditor.
Consumer complaint received 2023-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

got a loan to get transmission on vehicle replaced used my title as collateral interest to renew monthly is XXXX that does not touch principle only renews loan for 30 more days and no repossion of my vehicle i recieve ssi monthly and am drowning because i have been paying for a year now and feel like i have paid it in full
Consumer complaint received 2023-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AR)

I received a call from XXXX with TSI on XX/XX/XXXX @ XXXX calling to collect debt of {$600.00} as of XX/XX/XXXX. Said debt was with XXXX XXXX. I have never done business with XXXX XXXX and was told to call XXXX. He would not provide me an account number or service address and said I could obtain that from XXXX XXXX. 
I called XXXX XXXX and they can not pull up an account by name. They need the service address or an account number or SSN or telephone number or driver 's license number. 
I moved out of state XX/XX/XXXX and no longer have my TXDL, they could not pull up an account by my SSN or phone. 

I received a call today XX/XX/XXXX from XXXX with TSI at XXXX threatening me that if I did not pay it was going to go against my credit. I advised what XXXX XXXX said and he said he could not give me the service address as this is sensitive information. He provided to me an account number. 

I called XXXX XXXX and they said that is not a valid account number and that the collection agency should be providing the service address. 
She could not locate an account under my SSN or phone number and advise I reach out to www.ftc.gov to file a complaint.
Consumer complaint received 2023-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MN)

I have already filed XXXX complaint against Truist for multiple withdrawls of my mortgage only to discover this morning they did it AGAIN. This bank is clearly operating under the assumption they can foul up XXXX transactions without repercussions, which is outright fraud.
Consumer complaint received 2023-10-05
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. (VA)

Account info Account name XXXX XXXX XXXX Account number 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.
Consumer complaint received 2023-06-20
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: JPMORGAN CHASE & CO. (SC)

I was summoned and required to answer a complaint on XX/XX/2023 for a repayment of XXXX. I do not owe that amount. This is incorrect information. I responded for them to give proof of these purchases being made by me. On XX/XX/2023 I received an email from a company XXXX  asking for payment of XXXX dollars. I called them and they proceeded to inform me of a loan over XXXX dollars this is incorrect.
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/2020, I opened a Checking account online with TD Bank and setup my username/password and full credentials to access the account. 

To fund my account, I linked my XXXX Checking account to the TD Bank Account on XX/XX/2020 and successfully sent an ACH Transfer to my TD Bank Account in the amount of {$2500.00}. 

On XX/XX/2020, I was no longer able to access my account online and have been instructed to visit a branch location to resolve my issue. 

I attempted to reverse the ACH from my XXXX   Checking Account to TD Bank for the amount of {$2300.00} on XX/XX/XXXX and the transfer was successful. Since then, TD Bank issued a debit to my account to my account and has withdrawn the money without my consent. 

I am currently in XXXX XXXX, CA and not able to visit any branch location to resolve this issue due to strict travel restrictions in California. I will not be able to return to Maryland until XX/XX/2020. 

I would like all my funds ( {$2500.00} ) returned to my XXXX checking and to close this checking account ASAP.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Blackhawk Network Holdings Inc. ()

Today I checked my chequings accounts and its XXXXXXXX XXXX XXXX which made no sense to me. I checked what caused the money amount to be in the negatives and saw a " Auth Reversal Expired '' by CASHSTAR GF. I contacted my bank at first to see if they could do something because Ive never had to deal with this before. They then told me to contact the merchant, which I did and they said they refunded me the XXXX XXXX originally. I originally purchased a card off XXXX giftcards for XXXX, the purchase failed but took my money, which was then refunded in the next XXXX days. Then I checked today as I said and I got charged by what seems to be another gift card company which I had not purchased anything from. I tried to contact XXXX but never heard anything back from them.
Consumer complaint received 2023-06-23
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. (GA)

This has to do specifically with Transunion. A credit company called XXXX  was the merchant. I had an account opened fraufrntoy in my name. I disputed it and XXXX mailed me a letter stating the were going to investigate for XXXX days. They then sent another letter stating they confirmed it was identity theft and requested it be removed from my account. XXXX and XXXX have removed it but transunion refuses to do so
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAPITAL ONE FINANCIAL CORPORATION XXXX XXXX # XXXX ( sec ) XXXX Capital One XXXX XXXX XXXX Virginia XXXX My XXXX is XXXX XXXX and this XXXX is the most dishonest and incompetent company Ive ever dealt XXXX and I know of every single lawsuit against them and class action and their check cashing ponzi Scheme with the Italian mafia that total XXXX transactions and over a XXXX in fraudulent transactions! 
They are in Direct violation of the Deceptive practices act, the truth in Credit act, FCRA, Fdcpa, and federal law of every kind! This is a demand that their executives and office of the president fix my account limit and take off the hold and give me a XXXX dollar limit on the XXXX XXXX and take off the restriction that has been on my XXXX XXXX and raise the limit to at least 2000. Ive done the identification process XXXX times and 5 times with a specialist on the phone while I uploaded everything and they verified everything and still wont let my card work.. The Trustee of their indenture agreement is XXXX XXXX XXXX XXXX XXXX XXXX  and I will sue everything that you have for the dishonest conduct
Consumer complaint received 2023-04-18
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. (IL)

Previously, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items listed below : XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX  Date of XXXX XXXX XX/XX/2022
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: EQUIFAX, INC. (IL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts.