davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.
Consumer complaint received 2023-09-06
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. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (AZ)

Late XXXX I was sent two 1099-INT forms in the mail by CITIBANK. XXXX 1099-INXXXX was valid for the savings account I have with them. The other 1099-INT was for an account I did not have. I called CITIBANK banking customer service line on XXXX  and spoke with 4 associates and one manager about this issue. I was informed that the account number listed on the extra 1099-INT form was not a valid account number. They also informed me that the interest earned amount of {$390.00} was not an amount on my actual savings account. They finally informed me that the description of " bank promotions '' was not something they recognized. They had no record on file of this 1099-INT form being created or mailed out- yet it was sent to the IRS with my social security and name associated with it. I explained that if the form was generated then it must exist somewhere. I was given a case number and told that this would be investigated by the " back office '' and I would have a resolution in a week. Today on XXXX I called the customer service line again to inquire on the status of this. The first time I was hung up on and the second time ( after threatening to file a complain here ) was left on an indefinite hold of 15+ minutes with no response. I am reluctant to file my taxes because I don't want to claim interest on money that I did not receive from CITIBANK and I also don't want the IRS auditing me for not reporting it. There has been no attempts from CITIBANK to help, explain or rectify this situation. I have asked to speak to managers, supervisors, or anyone in their tax department who might be able to help. I am denied and given the run around. This is not only an ethical violation, but bank fraud to claim they paid me interest on an account that doesn't exist with them
Consumer complaint received 2023-04-19
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. (PA)

I sent letters to Experian But they are repeatingly reporting false information that is not accurate on my credit report which is costing me to buy a home no action as been taken by the company to move the false information
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelson Cruz & Associates LLC (CA)

After checking my consumer credit report from XXXX, I found a collections account from Nelson Cruz and Associates with an account # : XXXX opened on XX/XX/23 with a balance of {$250.00}. I've never done business with Nelson Cruz and Associates therefore, could not be liable for this debt. This alleged debt is not mine as I never entered into a signed agreement or completed an original contract with Nelson Cruz and Associates. I never provided any written consent or permissible purpose for this alleged creditor Nelson Cruz and Associates to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( a ) ( 2 ) - Permissible purpose, 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 instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONSENT to pull my consumer report. This is a violation and also constitutes as identity theft - " 15 U.S. Code 1681c2 - Block of information resulting from identity theft. '' Furthermore, this company has been attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 U.S. Code 1692e that you are implementing yourself. 15 U.S. Code 1692e states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Re : Failure to Respond to Credit Report Dispute Disputed Accounts : XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX I am writing to bring to your attention your failure to respond to my credit report dispute within the time frame required by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. On XX/XX/2023, I sent a dispute letter to your agency via USPS-certified mail, disputing the completion and accuracy of the accounts listed above, in compliance with the XXXX XXXX Format Standards. USPS tracking confirms that you received my dispute letter on XX/XX/2023. A copy of the tracking receipt is attached for your reference. 
The FCRA mandates that you respond to consumer disputes within 30 days of receipt. Your agency 's failure to respond to my dispute within this time frame is a clear violation of the FCRA.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe that I received proper notification, please provide the certified mail letter with the return receipt with my signature on it proving I received it. If you can not provide this information then you are in violation of the fair debt collections act and must remove this charge off/collection from my account immediately.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OR)

Hello, enclosed is the complaint and verification. 
Fair and Accurate Credit Transactions Act. 
Please get the Experian accurate score uploaded. 
Thank You! : - ) Sincerely, XXXX XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (MO)

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 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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe that I received proper notification, please provide the certified mail letter with the return receipt with my signature on it proving I received it. If you can not provide this information then you are in violation of the fair debt collections act and must remove this charge off/collection from my account immediately.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe that I received proper notification, please provide the certified mail letter with the return receipt with my signature on it proving I received it. If you can not provide this information then you are in violation of the fair debt collections act and must remove this charge off/collection from my account immediately.
Consumer complaint received 2022-11-25
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$5400.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (OH)

I received a collections letter from CBE Collections Group Inc. on XX/XX/2023. I made a call to them about the debt owed of XXXX, and made them aware that I had no knowledge of this debt. CBE Group advised me to call XXXX and open a fraud case and I did that. I spoke to XXXX XXXX XXXX and they told me to fill out identity theft package and file a police report. I did that and turned in all information and was told they needed more information. Stated it wasn't deemed as fraud. I am disputing this because it is not my debt.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (MN)

Huntington National Bank force closed my checking and savings accounts on XX/XX/XXXX. They stated I can not withdraw any funds, and it may take up to 60 business days for complete account closure and for them to send me a check for the remaining balance. Since the closure, I have had {$1300.00} from a MN State Stimulus Check as well as a {$700.00} MN State Income Tax Refund deposit into my account that I am also unable to access. I can not possibly wait until XX/XX/XXXX as need these funds to pay my mortgage and take care of my family. I have repeatedly asked for them to expedite this matter, but they state they are unable to do so. 

I have also filed complaints with the MN and Ohio Attorney General 's offices about this. The MN Attorney General 's office has promptly sent a letter to XXXX XXXX XXXX, Vice President of the Customer Advocacy Response Team.

Please assist me in getting this issue resolved as quickly as possible so I can continue to provide for my family in an already difficult financial time.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (MS)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Record type XXXX XXXXXXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Record type XXXX XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
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 — Personal information incorrect
Company: EQUIFAX, INC. (NY)

My SSN is inaccurate ending in XXXX. 

The following Names are not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (KY)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NV)

Personal Credit Profile is showing account information that is not mine and not accurate. I have recently reviewed my credit report with XXXX and found multiple unauthorized inquiries which violate the Fair Credit Reporting Act as well as privacy violations. 

Unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lastly, my employment shows that I am employed by Union but also states retired on the XXXX report gathered. 

I am employed. Please correct. 

Thank you for your prompt review of the above.
Consumer complaint received 2018-04-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (SC)

My car was financed with Wells Fargo Dealer Services. I had to declare bankruptcy after being diagnosed with XXXX XXXX. I continued to pay my car payment I did become a month behind I called them and told them when I could make the payment and they agreed to this. A couple days later I went out side to get in my car and it was gone repro. In the state of SC if your vehicle is repo you can not get it back. Because I had made the arrangements with them they allowed me to pay fines fees totaling about XXXX in order to get my car back. This was in XX/XX/XXXXor XX/XX/XXXX. Due to this process happening I refinanced my car with another company. Most interest paid car had about 2 years to be paid in full. When I refinanced of course my interest rate went from a 3.5 to 15.7 percent. People who become sick no fault of their own can find no help anywhere we lose everything.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I am a victim of fraud and place credit alerts on all three bureaus I have had a judgment placed for a car I did not buy but still took the punishment and did a bankruptcy to clear it. Here we are 5 years later and instead of improving my credit went to worse but I dont understand how they get through my alerts if I cant even answer the questions. I am a victim of data breach thru experian and had a supposed help for fraud and still nothing I have not had any inquiries for credit since my bankruptcy except for a car loan thru XXXX financial and that is it. I try to contact the credit bureaus and form a complaint but the negative still remains and inquiries still remain how can I have paid off 4 vehicles and my credit is less than before my bankruptcy?
Consumer complaint received 2024-04-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

This complaint is a follow-up to my complaint # XXXX. 
If you review my previous complaint, you will see that I purchased a XXXX XXXX on XXXX and returned it on XXXX. Along with the purchase of the XXXX XXXX, I purchased a XXXX XXXX XXXX. I returned the lawn mower and my down payment, ( which included the XXXX XXXX ) was refunded. The problem is that XXXX XXXX refuses to close the account with Synchrony Bank. On XX/XX/XXXX I phone XXXX and spoke with a customer service representative by the name of XXXX. He confirmed that as of XX/XX/XXXX I did not owe XXXX any money. My account had a zero ( XXXX ) balance. I was also advised that the service agreement was cancelled as well. Synchrony Bank is still billing me for the service contract. I was transferred to a woman named XXXX who advised that she would have to send the refund check to me. I told her not to send the check to me, just to send it directly to Synchrony Bank. XXXX insisted that the check had to be sent to me and I would have to mail it to Synchrony Bank. She said I would receive the check within XXXX ( XXXX ) business days. As of the writing of this second complaint I have not received the check, and I am now being charge late fees.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (CA)

I have sent this company a cease and desist this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company has also been found to impose as a collection agency when it is listed that this company is not legally bonded or insured to collect in the state of California. Please have this company cease all collection activities this is my last attempt to complain outside of court.
Consumer complaint received 2024-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OR)

Started going XXXX XXXX online back in XXXX for a degree that hey made up. I was told to apply for a student loan at the time while XXXX XXXX XXXX XXXX  and a few months into the program a guy named XXXX XXXX told the VA that I was not XXXX XXXX XXXXXXXX XXXX  during the time I was clearly XXXX XXXX XXXX XXXX XXXX. I was unemployed and the XXXX XXXX  money was my only income to pay my bills at the time. I had to XXXX XXXX XXXX because I couldnt afford to keep XXXX XXXX and actively keep looking for work during the bad economic times then. They treated to keep my XXXX XXXX XXXX until the XXXX XXXX were paid off. Doing this I couldnt use the credits I earned to XXXX XXXX XXXX and decided to quit pursuing a degree until I could pay the loan off. Recently I saw all of XXXX XXXX loans were supposed to have been forgiven because President Biden saw the fraudulent degrees this school was scamming students with back around XXXX or so. Recently because the first loan Forgiveness didnt pas in congress the loans were supposed to resume, but my loans were sold a couple times and the amount even went up from a little over {$7000.00} to now a little over {$20000.00}. Nelnet is the current owner of the loan bought from XXXX XXXX without my authorization they have sold my loans between each other several times adding there own fees to it. I tried to get ahold of Nelnet on the phone and online, but cant get through to them. Between this school and my divorce I had to file bankruptcy because of my debts. Unfortunately!