davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2022-11-26
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX Balance Owed : {$140.00}
Consumer complaint received 2023-12-09
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (TX)

In XXXX of XXXX I was looking to relocate from XXXX to XXXX for a job transfer. Therefore I was looking to find an apartment in XXXX. I applied at XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX where I was approved and was scheduled to move into the property on XX/XX/XXXX I hadnt seen the location in person or anything just applied online. On XX/XX/XXXX I was diagnosed with the XXXX. At this time I was still located in XXXX  and I was XXXX, XXXX XXXX etc etc so I could not drive to XXXX to pick up my keys for the property therefore the property advised that if I didnt come in by the end of the business day I would be in default and charged a relenting fee as well as be responsible for accelerated rent until the property is rented out to another tenant. Which I was 100 % fine with paying the relenting fee, however the property then tried charging be {$26000.00} for the full 18 month lease starting XXXX however I found out someone was occupying the apartment therefore I emailed them advising them that I am aware that someone is renting the unit and that it it illegal to charge double rent in the state of XXXX so the property updated the balance to {$4500.00} but they sent it to collections although the least end date wasnt until XXXX and as of XX/XX/XXXX the property is STILL be occupied and the property is still attempting to charge me the balance although theres no indication that whomever is in the unit is vacating. My attorney with XXXX XXXX sent out a notice on XX/XX/XXXX to Cease and desist to both the collections and the property and the property NEVER respond neither did the collections agency. Prior to me getting an attorney involved I sent the collections Rent recovery located at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX documentation advising the property is still charging accelerated rent for XXXX and they advised me to send the documentation so I sent the documentation and called them back numerous times after being notified that the documents were received and they NEVER answered back as theres only ONE person that ever answers the phone with the name of XXXX. I finally poke with XXXX months later and she advised they hadnt heard back from the property, so how are you charging me for a debt you can not verify neither was verified before you attempted to collect the debt? Both parties have been unresponsive in this matter and my credit is affected as well as its affecting my lively hood as I lucky to get a place to stay before it went on my collections but current property lease ended XX/XX/XXXX and the rent went up which is not affordable for me therefore I could not renew the lease and I am paying the new rent of {$1300.00} on top of {$250.00} a month to do month to month as I can not rent anywhere else with this on my credit. Im hoping this matter can be resolved quickly.
Consumer complaint received 2022-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2022 at about XXXX XXXX XXXX I made a transfer from my Bank of America checking account through XXXX. This is something I have done before and was shocked to find out that I didn't not send money to my son but to a stranger who has a phone # my son used for 24 hours earlier this year. I immediately contacted the person I accidentally sent money to and called Bank of America. I was informed that they will not take any action and neither will XXXX who processed the transaction. The only suggestion I was given was to " hope the reciever does the right thing ''. I am a single parent who lives pay check to check. I can not afford to give a stranger {$120.00}. Please help.
Consumer complaint received 2023-07-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BC SERVICES, INC. (CO)

BC Services ( XXXX XXXX XXXX, XXXX, CO XXXX ) Is out of compliance trying to garnish my paycheck when they never served me nor contacted me. I have had them remove this garnishment in XXXX  and they are back at it. Multiple offender.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (PA)

Incorrect information is being reported by EWS. After reviewing my EWS report, the trial deposits from an external account to XXXX XXXX XXXX XXXX XXXX XXXX  are coded as returned transaction. A complaint was submitted to EWS but the accuracies continue to appear on my report. Below are the dates of the trial deposit transactions XXXX {$.00} XXXX {$.00} XXXX {$.00} XXXX {$.00} XXXX {$.00} XXXX {$.00} Based on the transactions amounts, it's very clear that these are ACH trial deposits
Consumer complaint received 2023-09-07
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. (MI)

Dear CFPB, I am writing to request the immediate removal of credit accounts associated with XXXX  account # XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX  to report my information, as required by 15 USC Code 602 ( a ).

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NE)

XX/XX/XXXX I called Synchrony Bank about my XXXX XXXX XXXX card to request an interest rate reduction, they denied me. I then requested to be put on their Customer Assistance Plan to close my account, which stops the interest, has no late fees and allows a lower minimum monthly payment until paid off.. They denied me. I explained I've struggled the past 12 months with increasing medical bills due to my XXXX. The company that I order my XXXX XXXX from every 3 months is XXXX XXXX in XXXX, XXXX. They ( XXXX ) are owned by XXXX XXXX and they charge very large fees ( up to {$1000.00} ), I applied for the XXXX XXXX Financial Assistance program and was accepted XX/XX/XXXX, but the XXXX company refuses to honor it and won't send my orders. This is the only company my employers insurance will work with. So when they won't send my orders I have to pay with a credit card. Now I am so far in debt that I can't keep up on my payments, although I haven't missed any payment this year or been late, that's not going to be the case next year.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX I signed on to XXXX XXXX and realized someone opened a loan at XXXX bank in XXXX Texas in my name. I have had fraud before and I immediately disputed this. XXXX XXXX checked the information and dropped the dispute. I live in California and haven't even opened a credit card lately because was working on increasing my credit score, nor a loan since college. I want this loan taken off my credit score because it is fraudulent. I will keep disputing it until this is done. Please I need your help. I am going to try to call the XXXX XXXX XXXXXXXX XXXX texas as well.
Consumer complaint received 2023-09-07
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. (MI)

Dear Sir/Madam, I am writing to request the immediate removal of credit accounts associated with XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NY)

I received XXXX separate notices in the mail from XXXX XXXX ( a debt collection firm ) regarding XXXX separate XXXX accounts in my name. I did not open these accounts XXXX  acct # XXXX or XXXX ref # XXXX for {$450.00}, XXXX  acct # XXXX or XXXX ref # XXXX for {$420.00}, XXXX  acct # XXXX or XXXX ref # XXXX for {$280.00}. 
I never received anything previously from XXXX. only from the collection agency. I called XXXX XXXX and filed a dispute stating it was fraud/identity theft. 
These XXXX XXXX accounts have showed up on my credit reports
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

The problem Im having is with NewRez LLC mortgage company they took over my old mortgage company XXXX Mortgage In XX/XX/XXXX. NewRez LLC has been asking for proof of hazard Ins. From XXXX.to XXXX and from XXXX XXXX to present by sending me letters in the mail. I have been faxing my proof of hazard Ins .since XXXX and by scanning them to the Co. XXXX in XXXX XXXX then XXXX in XXXX XXXX and then XXXX XXXX in XX/XX/XXXX then XXXX XXXX in XXXX til the present time nobody said they received anything from me. Now Im getting escrow balance from NewRez LLC for Hazard Ins. When I have hazard Ins. For 20 yrs. on this property I never lapsed in coverage. I believe NewRez LLC forcing me to buy hazard Ins. from them. And forcing me to pay for something that I have already .Ive reached out to NewRez LLC multiple times each month since XX/XX/XXXX and this is not resolved yet no matter who I speak to from NewRez LLC
Consumer complaint received 2023-04-20
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. (MI)

There are unauthorized inquires on my consumer report that are fraudulent and I would like them removed immediately. This is affecting my credit and causing emotional stress. Please remove these items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-05
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}. 
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 ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a balance of {$14000.00} -This is not my account.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, i deposited a check for {$7300.00}. in a local chase atm. Funds were set to clear on XX/XX/23. on XX/XX/23. i noticed my account has been restricted. i called chase and talk to the fraud department told me the restriction was triggered automatically by my deposit & would be lifted once the funds cleared. XXXX came and my funds were still locked in my account. I was told chase cant find a verified number for the business that issued the check and they are making me responsible for them not being able to do their job. the funds cleared my account but i am still in restriction.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX, Experian a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.t
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 an 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. 

XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (IL)

I sent them a letter regarding that they were violating my rights also disputed them. Under this law Validation of Debts 15 U.S.C. 1692g Also Harassing or Abusive Practices 15 U.S.C. 1692d, False or Misleading Representations 15 U.S.C. 1692e claiming that they will not use if I make payment that is coercion deceptive acts harassment Furnishing Certain Deceptive Forms 15 U.S.C. 1692j
Consumer complaint received 2023-09-07
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. (GA)

Dear EQUIFAX, I acknowledge the receipt of your request. However, I must emphasize that it is not within my purview to disclose personal information openly, particularly given my unfortunate history as a fraud victim since 2000. As a result, I have taken measures such as periodic changes to my identification and hair color every six months, along with paying for an identity tracking service to monitor applications and contracts. Consequently, I am unable to provide you with the information you have requested. 

Per my rights as a consumer, I kindly request that you contact the relevant dispute departments to procure two specific forms : the application I signed with my attached ID and the contract I signed with my linked ID. This approach will enable me to validate the information I DO NOT recognize. Please be advised that this request is lawful and designed so I can protect my consumer rights. 

Regarding the address, I am not prepared to provide a lease, as it is irrelevant to the matter. Your responsibility is to report information that I can validate. I kindly request that you provide me with the application or contracts that I signed, which links me to these addresses. 

Furthermore, after thoroughly examining the numerous data breaches that Equifax has experienced, I am apprehensive about sharing my personal information with Equifax, LLC. It is crucial to remember that I am the consumer and have the right to request the necessary files to validate negative or erroneous items on my report. As an additional point of reference, I mailed this letter and an enclosed letter from XXXX XXXX concerning a recent data breach notice. 


XXXX XXXX XXXX Without XXXX
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

My student loan debt was transferred from Great Lakes to Nelnet. Since XXXX, I have been attempting to resolve an issue with a payment that was received by Nelnet but not posted to my account. 

On XX/XX/2023, a payment was sent to my account in the amount of XXXX. This payment is paid on my behalf from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As part of my contract with the XXXX XXXX XXXX, I am required to submit proof that each payment has been received by my loan servicer. However, Nelnet has not posted this payment. 

I recently spoke to a customer service representative who informed me that Nelnet was in possession of the payment since the merger with Great Lakes. The representative further notified me that they are aware of the fact that my payment, along with other customers ' payments, have not been posted. 

Nelnet 's failure to post this payment constitutes business malpractice and has resulted in two concrete consequences that negatively affect me : 1. ) I have been charged interest on my loans that would not have been charged if Nelnet had properly posted the payment upon receipt. 

2. ) I am out of compliance with the XXXX XXXX XXXX, which could jeopardize my opportunities in future government contracts that are important for my career. Further, the remaining payments from the XXXX XXXX XXXX can not be released, further increasing the interest that Nelnet will collect. 

Nelnet 's failure to post payments also affects other customers. Any interest accrued on these accounts due to unposted payments should be immediately returned to customers.
Consumer complaint received 2023-09-07
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I pay annual fees to XXXX to keep my credit card open. 
XXXX states that I requested to close that account. I have never requested to close this account. Everything about this account remains open on the XXXX app. Moreover, I still use the card and I still paid annual fees without interruption, and promptly, to XXXX. There is no reason why this account should indicate closed. 
XXXX confirmed this mistake on their end and I requested that they update the Credit Bureaus. They have not updated the credit bureaus, which still indicates a closed account for them -- but no other accounts.
Consumer complaint received 2023-04-12
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)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.