davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I am in receipt of the letter dated XX/XX/2023 in response to my reinvestigation of the dispute ( s ) below. I am in disagreement with your decision. I requested you provide me the information you used to verify and validate these accounts. How can you decide if these accounts are accurate without an original contract with my signature? This account can not be validated in accordance with the Fair Debt Collections Practice Act. Also, this accounts could not be verified nor validated with XXXX Therefore XXXX deleted it from my credit report. If this account is from the same creditor how are you able to verify and validate information that the other bureaus could not? By Federal law these accounts should be reporting consistent across all three bureaus, which it is NOT. Proof you have NOT done a proper investigation, FAILED to protect my consumer rights. You refused to correct this information which is a direct violation of FCRA 15 U.S.C 1681.You have violated my consumer rights.

According to Fair Credit Reporting Act ( FCRA ), everything on my consumer report/ credit profile must be accurate, and verifiable. If after reinvestigation the item information is found inaccurate or incomplete or can not be verified the consumer reporting agency must DELETE the item. Therefore, the following items do NOT belong on my credit profile must be DELETED immediately.
Consumer complaint received 2021-07-25
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: Experian Information Solutions Inc. (AZ)

I have sent numerous request to remove fraudulent inquires and 1 fraudulent collection account i have contacted all companies and all tell me its experian that needs to correct the information i have contacted experian and everything still remains unchanged the collection account with XXXX is a cosign account for a person i never known and at a address i never resided at please correct ASAP thank you XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX/XXXX  Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX/XXXX  General Clothing Store Inquiry date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Automobile Dealers, New Inquiry date : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX XXXX  XXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX XXXX XXXX Telephone Service Provider Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/XXXX XXXX
Consumer complaint received 2023-10-08
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: SUNCOAST CREDIT UNION (TX)

I did an application for auto refinance and it was suppose to be a soft inquiry not a hard inquiry. Thats what I thought and thats why I did the application otherwise I wouldnt have done it.
Consumer complaint received 2023-10-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (FL)

I applied for the SAVE program XX/XX/XXXX. My application was processed quickly through the studentaid.gov website but since then my application has just sat there with NO movement. It has been a month. Ive spent countless hours on hold trying to get a representative. Once I reach one, they are extremely unhelpful. I have explained that I am in the middle of purchasing a home and that I NEED documentation showing my new payment under the SAVE program. I am scheduled to close XX/XX/XXXX and this is the last piece of documentation needed to provide to my lender. I have explained the urgency of this situation and they do not seem to care. They didnt even offer to put me on an administrative forbearance while my application is processing. My payment is due the XXXX and I still have no clue what my payment will be. Not to mention, if I dont get the paperwork prior to the XXXX I will not be able to close on time and my loan may possibly not even be approved. I need this to be resolved ASAP!
Consumer complaint received 2023-10-08
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: Experian Information Solutions Inc. (TX)

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

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX  AND XXXX XXXX XXXX AND EXPERIAN CREDIT BUREAU 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.

I HAVE CONTACTED EXPERIAN VIA CERTIFIED MAIL AND THRU TELEPHONE. I HAVE TOLD THGEM THAT THESE ACCOUNTS ARE FRADULENT AND THAT I ASSUME NO LIABILITY. I HAVE ALSO REQUESTED THESE ITEMS BE BLOCKED AND I HAVE REQUESTED THAT EXPERIAN DO NOT SHARE MY INFORMATION WITH THESE CREDITORS OR ALLOW THESE CREDITORS TO PUT INFORMATION ON MY EXPERIAN CREDIT FILE! EXPERIAN HAS BEEN ALLOWING THESE COMPANIES ACCESS TO MY CREDIT FILE AFTER I HAVE FILE SFTC IDENITY THEFT REPORT AND NOTIFIED THEM
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 NEVER GAVE EQUIFAX CREDIT BUREAU INC, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX PERMISSION TO FURNISH AN ACCOUNT OR PUBLISH ACCOUNT ON TO CREDIT FILE! 

Account name : XXXX XXXX XXXX XXXX acct number XXXX, Account name : XXXX XXXX XXXX acct 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.

I HAVE CONTACTED EQUIFAX TOLD AND MAILED REQUESTS VIA CERTIFIED MAIL TO THEM THAT THESE ACCOUNTS ARE NOT MINE, AND I ASSUME NO LIABILITY BECAUSE OF IDENTITY THEFT, AND YET EQUIFAX HAS REFUSED TO BLOCK ITEM FROM CREDIT FILE AND OR HONOR MY PERSONAL REQUEST
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I deposited a check in my name for {$1200.00} to Wells Fargo on XX/XX/XXXX which I was given a {$400.00} advance on the deposit at the time. The check cleared yesterday XX/XX/XXXX but instead of putting money into my account, they removed the {$400.00} advance and placed that money on hold telling me to call XXXX XXXX which made the check. I called XXXX XXXX  and they said the cleared and they cant do anything for me at Wells Fargo. Wells Fargo is telling me to wait until XX/XX/XXXX for the hold to be lifted to receive my money. Although they are technically continuing to process my check, they refuse to give me the {$400.00} advance nor call XXXX XXXX and get this issue fixed.
Consumer complaint received 2023-10-08
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. (FL)

After checking my credit reports I am writing a second time to inform these companies that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile. I also do not have any knowledge of these inquiries that have been unlawfully reported, no accounts or contracts are shown for these inquires as well. I have not initiated any transaction with the following accounts : XXXX XXXX ( Finance ) which have been reported twice without my consent. 
XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Furthermore, I do not have an account as defined. 
under 15 U.S.C. 1693a ( 2 ) with these company 's name for review or collection.
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act the following companies have violated my rights with inquiry reporting as follows :XX/XX/XXXXXX/XX/202XX/XX/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 an account or inquiry report without written institutions.
Consumer complaint received 2023-10-08
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. (FL)

After checking my credit reports I am writing a second time to inform these companies that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile. I also do not have any knowledge of these inquiries that have been unlawfully reported, no accounts or contracts are shown for these inquires as well. I have not initiated any transaction with the following accounts : XXXX XXXX ( Finance ) which have been reported twice without my consent. 
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Furthermore, I do not have an account as defined. 
under 15 U.S.C. 1693a ( 2 ) with these company 's name for review or collection.
Consumer complaint received 2023-12-04
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (NC)

I am writing to request that the following accounts be removed from my credit report as there is insufficient information to verify them : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX. I kindly ask that you investigate these accounts and remove them from my credit report as they do not have enough information to be verified.
Consumer complaint received 2023-10-07
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. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-12-10
Product: Credit reporting 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: EQUIFAX, INC. (VA)

Over the last 60 days I have made extra efforts to pay down my balances as I was told by the credit bureaus, XXXX and Equifax, that this would improve my credit rating as it would lower my utilization. I made these efforts because I am in process of looking for a home and my career path also wants to see good credit standing. After making these efforts even though I get notifications my balances are being paid down my credit score plummeted by XXXX points which is drastically impacting my steps to improve my life and the bureaus have no answer as to why. They all agree that it is a considerable change but they dont provide any reason as to why its happening and even after filing a complaint with them I received no contact back or follow up in regard to this issue. It is very important that these issues be resolved as soon as possible because this is having a considerable negative impact on my career advancement and life.
Consumer complaint received 2023-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (TX)

Disputed through all three credit bureaus several times with no response from CKS Prime.

CKSPRIMEIN Collection with account # XXXX opened on XX/XX/2021 and a balance of {$610.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Under 15 US Code 1681s-2 ( f ) ( II ) Reporting information during Covid 19 pandemic
Consumer complaint received 2023-11-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC (FL)

Flagstar Bank is engaging in unlawful practices in violation of the Fair Debt Collection XXXX by employing a third-party local vendor, XXXX to XXXX affix a collection notice to call them to the front door my residence on XX/XX/2023 at or about XXXX. It should be noted that these are NOT registered process servers and this IS NOT legal process being served, simply a harassing collection notice being affixed to the front door of my residence by a collection agent. Upon making my last payment on or about XX/XX/XXXX and scheduling a payment for the remaining past due amount for XX/XX/XXXX, I advised the XXXX representative with whom I spoke that this practice is completely unacceptable, likely a violation of Federal Debt Collection Law, and that any individual unlawfully entering or remaining on my property without my knowledge or consent would face arrest for criminal trespass pursuant to state law. This occurred again on XX/XX/XXXX at or about XXXX, and again on XXXX XX/XX/2023 at or about XXXX on which occasion I personally confronted the individual and issued him a trespass warning that if he returned he would be arrested.
Consumer complaint received 2024-04-01
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)

I reached out to Equifax XX/XX/2024 to remove the inquires from XXXX XXXX  on XX/XX/2024 & XXXX on XX/XX/2024 that were from identity theft. This company responded and asked me to send in my FTC documents and my identification to verify it was me. I did the following and they still have yet to remove inquires that are not mine. They are violating my rights according to the FCRA. My next step is pursuing litigation because I sent in all my proper documentation and showed proof it wasn't me.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion and XXXX are not showing that my student loan balance is XXXX. When reaching out to both credit reporting agencies, I was informed that XXXX is not responding to either credit reporting agency.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A. (WA)

I paid for a hotel reservation on XX/XX/XXXX through the XXXX XXXXXXXX XXXX website ( {$150000.00} ). I used my Citi card. The reservation was for XXXX. I was charged again for the room by the XXXX ; they ran my card when I checked in and told me it was for a security deposit and it was just a hold, but the full charge went through on XX/XX/XXXX ( {$1400.00} ). XXXX refused to take action. I initiated a dispute with Citi and they resolved it in favor of XXXX ( around XX/XX/XXXX ) because they said I hadn't submitted the original charge in my complaint ( even though both charges were on the same card ). I called back and the agent said the investigation would be reopened and I would receive more information within a week. I was told that the dispute resolution team should have sent me an email ; they hadn't and I've never received any confirmation about my case. I didn't hear back and called back and did not receive any additional information other than that the investigation was still ongoing. The agent refused to give me any other information including whether or not there was a way I could submit additional documentation. She also seemed confused on whether or not the provisional credit had been reversed ( it was and the charge/balance remains on my card ).
Consumer complaint received 2018-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TX)

Barclay XXXX XXXX closed my credit card account when I was in good standing. Barclay stated my credit score was too low to leave my account open, although I have been paying every month and was not delinquent. I had a revolving credit line and they essentially turned it into a high interest rate installment loan. This should be illegal. This happened last month around XX/XX/18.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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

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