davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (FL)

I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. 
The date of the letters is XXXX, the account number on the document is XXXX and the alleged amount owed is XXXX. 
I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. If you need to please contact the creditor to obtain verification of this alleged debt. 
Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 
Your next contact with me should be to either notice that the creditor has failed to verify the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing.

Please acknowledge that you have received this notice within 14 days. 
Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-09-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (NV)

A deposit of {$1600.00} was made to my savings ending XXXX on XX/XX/2022 and I have elderly members living in the house. When I went to pay the mortgage I could not as NFCU stole {$1400.00} out of my account on XX/XX/2022. First, {$2000.00} was stolen out of my account by NFCU and now {$1400.00} was stolen out of my account by NFCU preventing me from being able to make my mortgage payment. NFCU said their collections department stole the money out of my account. I am going to lose my house as this is the second month that I have not been able to make a mortgage payment to my VA loan because NFCU keep stealing my money. I am trying to use the money in my checking from my 100 % XXXX  Veteran Benefit to pay my closing cost and I need {$6500.00} dollars to close escrow however NFCU keeps stealing money out of my accounts. I am in a life-threatening situation and my children and I have two weeks to secure housing by XX/XX/2022. NFCU knows I am trying to move and secure housing. Stealing money out of my accounts helps these criminals that have been targeting me for several months and puts me and my children in a debt bondage/sex trafficking serious situation. NFCU is placing me and my children 's lives in danger. If my children and I end up dead or in human trafficking it is blood on NFCU 's hands.
Consumer complaint received 2022-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NC)

XXXX - purchased new phone service from XXXX to switch to XXXX. 
Started new service, the cost was much higher than XXXX XXXX XXXX XXXX said it was. XXXX told me I had 14 days to cancel my service, but I'd still owe the activation fee of {$30.00} ( already paid ). 

10 days later, I canceled my XXXX service, within the 14 day trial period. 

XX/XX/XXXX received collection letter from Credence Resource Management. Service had been canceled more than a month ago. Thought that was too soon to receive creditor notice, so I thought notice was illegitimate. Then I looked at my XXXX account online and saw the same amount was still owed, which further made me question the Credence debt. Disputed debt to credence via email. Credence told me they contacted the creditor and that the payment was still due ( without mentioning the name of the creditor ). 

I tried XXXX XXXX XXXX several times, each time the hold to speak to someone or chat with a human was 15 minutes or longer. I tried again, the wait was always too long. 

I understood that the 14 day cancelation period would allow me to not pay for the service since.
Consumer complaint received 2022-11-29
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 no consent is fraud.
Consumer complaint received 2024-03-06
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. (MI)

I applied for a XXXX XXXX XXXX credit card. I see that instead of pulling my credit one time, they pulled it twice. Once on XX/XX/year> and the next day, on XX/XX/scrub>XXXX I did not apply twice.
Consumer complaint received 2023-04-15
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: CLGF Holdco 1, LLC (PA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Date : XX/XX/2022 2022
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

AGAIN, XXXX is reporting inaccurate information on my credit report. They are reporting a BALANCE on a Charged Off Account!!... This is a serious violation and after the numerous disputes made my have most gone unresolved. Review the attached documents, an insert form Experian 's manual, it Clearly says XXXX can not report a Balance on a Closed Account!
Consumer complaint received 2023-08-21
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. (TX)

Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Consumer complaint received 2022-11-23
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. (VA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TN)

Community Bank  XXXX XXXX Company sold debt to a collection. Contacted the collection company for documentation verifying this debt the company could not present documentation. Demanding a permanent block on the false information reporting to XXXX, XXXX, & XXXX.
Consumer complaint received 2022-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

There are old credit card accounts that are over seven years old and need to be DELETED from my credit files from all three credit bureaus ASAP because the accounts no longer belong to me per the open dates and time frames. This is against the law to keep damaging reports on a file for over seven years. Please DELETE all six listed below. 

1. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX 2. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX 3. ) XXXX XXXX acct no. ending in XXXX, the date opened, XX/XX/XXXX 4. ) XXXX XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX XXXX. ) XXXX XXXXXXXX XXXX XXXX  XXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX XXXX. ) XXXX XXXXXXXX XXXX XXXXXXXX, acct no. ending in XXXX, the date opened, XX/XX/XXXX
Consumer complaint received 2022-09-18
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. (KS)

Please be advised this is my last and final attempt to correct these inaccuracies any response except for removal of this account will force me to pursue legal action. 12 U.S. Code 5561 ( 5 ) VIOLATION.

I am exercising my right under the Fair Credit Reporting Act, 12 U.S. Code 5561 and 15 U.S. Code 1681n. I am demanding you remove this item immediately. XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX : XXXX, Experian Account Number : # XXXX, XXXX Account Number : # XXXX. This account is being reported illegally. If not removed immediately, I will pursue all legal remedies at my disposal. 
The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 
Your attached email stating that you XXXX and XXXX XXXX XXXX XXXX made changes to this account provides proof or Act and Omission it also provides proof that you made false statements. 
It is illegal for a business to make statements that are incorrect or likely to create a false impression. This includes advertisements or statements in any media ( print, radio, television, social media and online ) or on product packaging, and any statement made by a person representing your business. 
-Willful Noncompliance : there are inconsistencies in the account number reporting that may lead entities to assume that there are more that one account with XXXX XXXX XXXX XXXX XXXX 
15 U.S. Code 1681n ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of Violations : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Experian Account XXXX : # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX 12 U.S. Code 5561 5. XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681n
Consumer complaint received 2023-07-17
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)

I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report.
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

Chime Account Verification Since this started on XX/XX/XXXX, I have lost my contract job because I had no gas to get there, kids were sick with XXXX  and had XXXX and XXXX temps but had no gas to take them to Urgent Care and no money for a co-pay, missed a funeral of a friend, my son has been missing school because no gas to take him, XXXX  XXXX  in the house, and no diapers for my XXXX day of the XXXX I ughter! They asked me for a copy of my driver 's license to be sent in and a utility bill. I sent in a copy of my driver 's license front and back copy of my retired military ID front back copy of my benefits letter from the VA for verification purposes of the deposit That was made direct deposit by the Department XXXXf Veterans Affairs, and I sent them a utility bill. I didn't hear anything on XXXX XXXX so I called back and they told me that it couldn't be an XXXX format for the pictures they need to be in JPEGs, so I modified the picture quickly and sent that in immediately and they verify they received the pictures and the PDFs once again and said in 24 hours my account should be unlocked. Then I called back in 24 hours when it wasn't unlocked and they gave me another runaround connected me to the supervisor on duty and said another 24 hours. Then another 24 hours went by I called back and I sent them documents yet again, I also emailed the review team and the support team because that's who I told was handling it and I sent in the documents once again on the next day so that would've been the first second third and fourth I sent the documents, and then again on the seventh. Every day since the XXXX of XXXX I keep getting told that the account will be unlocked in 24 hours than other times until 24 to 48 hours and every time it's been by a supervisor. I've spoken to supervisors 12 total times because the first few days I was trying to call they told me that " there was no supervisor that they could transfer them to. They couldn't transfer to a supervisor to help me. '' They said they couldn't do anything on their end that I had to go through the review with the support team and they're the only ones that can handle anything with my account and there is no way to physically talk to them only email to which I emailed them and never got any replies except my case were being forwarded and it would be handled and taken care of promptly. The only direct apposite that hit my account was from the United States government department of Veterans Affairs for my XXXX XXXX XXXX check. No other checks no other deposits have been made to that account ever. I had signed up for Chime approximately 3 1/2 weeks before all this happened and we're just waiting for my direct deposit to hit since I get paid monthly, and I already sent in verification documents when I opened the account. As of today they still have not unlocked my account or kept me updated like I was told on they were going to per the last call 48 hours ago with a supervisor.
Consumer complaint received 2022-09-18
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (AL)

Dear Chase, I am contacting you all in regards to my Chase Credit Business Ink Credit Card ending in XXXX for my company XXXX XXXX XXXX XXXX, XXXX. My previous card associated with this account was stolen and I have put in many disputes. My account was credit on XX/XX/XXXX, XX/XX/XXXX two separate times, and on XX/XX/XXXX, and XX/XX/XXXX twice and I have other disputed transactions pending, however, when I look at my statement balance on my account my statement balance is not reflecting these credits and pending disputes. I understand my current balance will include my entire balance, however, my STATEMENT BALANCE is incorrect and needs to be updated to reflect these credits and pending transactions, therefore, I am requesting that Chase have the proper department review my account and have my statement balance reduced to reflect all credits I have received and currently disputed transactions thats transactions are pending because with my statement balance being incorrect at {$17000.00} as of XX/XX/XXXX when it should be lower is causing my business credit to be reported incorrectly and is causing me to have an incorrect minimum payment, therefore, I am requesting this be updated immediately to reflect the correct information being that my statement balance is lower considering I have received credits on my account and have transactions currently disputed. Please update my statement balance to correctly reflect these disputed because it is currently incorrect and needs to be updated immediately. In the event it is not updated I will have to file suit given Chase is reporting incorrect statement balances.
Consumer complaint received 2016-12-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dorough & Dorough, LLC (GA)

The hoa attorney tried to add more money to my Hoa account, and using scare tactics to try and get me into a consent order. They-she refused to ever tell me what my true balance was in our settlement talks, I believe it was a lie just to conceive me into signing this consent order, when going over the bill. I never saw a settlement amount in the ledger they sent me. She also further stated her attorney fees was over $ XXXX for an illegal foreclosure that was suppose to voided out however, she still sent me information as though they should have been justfied. I have hired an attorney and plan to take action up with the state bar, and further a lawsuit The Hoa submitted a letter saying that I owed this $ XXXX in fees and when I disputed it, I was told that it would have to be paid to Clear the ledger when I was closing on my home I sold or that I would n't be able to close, the closing attorney informed me to take the action up with them on my own. The HOA XXXX XXXX XXXX refused to give me clear understanding about the amounts, and when question the attorney refuse to answer any of my questions. just kept sending me a copy of a consent agreement. I also was charged unfound fines, that attorney XXXX told me she would have credit back, The HOA seems to be bias and discriminates on people they want to without treating everyone fairly, The old president broke several rules and was never fined.
Consumer complaint received 2022-09-18
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. (NC)

in accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX XXXX  XXXX {$6800.00}
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

The original case number was reported in XX/XX/2017, stating that my wife and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX GA, XXXX. XXXX and XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.
Consumer complaint received 2017-04-05
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (GA)

I need to know what it takes to have a company STOP contacting me by mail. Every time I receive some of their junk email, I call the company and they say that will remove my name. A few weeks later ... BOOM! another letter. It 's just JUNK. Yes! I know that all I have to do is simply throw it away, but I know that I can not be the only one being harassed by these people. The company is Freedom Mortgage. They say that it is from their VA Loan Division. What the idiots do not even bother finding out is that the person that they are mailing to ( my wife ), is NOT the veteran. Can you please, please, PLEASE talk to these people, or forward this to the proper authorities? These people are annoying and I 'm sure that I 'm not the only veteran that they are bothering.