davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

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 2022-10-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Your company is currently reporting a negative listing to the three major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 

The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto
Consumer complaint received 2023-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MI)

I have submitted a XXXX request to manually recertify my income to change my payment amount from {$0.00} XXXX to an actual payment amount XXXX on XX/XX/23 through studentaid.gov with all required documents. Nelnet received it and then made me resubmit all of the same documents. They have now been " processing '' it with no real update. In the meantime, I am unable to get a home loan due to any payment amount not showing up on my account and the long delay in processing times. It's also caused a problem because Nelnet originally showed my loans in forebearance but they just recently updated it to XXXX even though the application hasn't moved along in the process. Also, the wait time to talk to someone has exceeded XXXX hours and I've given up. This is unacceptable.
Consumer complaint received 2023-04-01
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. (LA)

Experian is furnishing Hard inquiries not connecting to open accounts and firm offers of credit pursuant to the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the banks and XXXX to Delete with no results for Law and privacy violations
Consumer complaint received 2023-06-19
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. (FL)

I am a victim of identity theft and did not open an account. I have an account on my Transunion report that I do not recognize. On XX/XX/2023, an account was opened under my name fraudulently. The amount reflected on Transunion Credit Bureau is {$6000.00} with a monthly payment of {$330.00}. I started a dispute and I received a letter from Transunion Credit Bureau that says that the results of their investigation were accurate. I don't recognize that account and I'm requesting to investigate and remove that account from my credit report.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (NV)

Every month NetSpend seems to say I have over taken money from my account but the statement show different to I have had 5-10 new cards sent to me because of charges I didn't make like now I have a dispute for XXXX dollars of charges that are not mine nor are the things charged are on my name and haven't got any thing back and was charged for another card which I should get on XX/XX/XXXX. I have an all access account and a prepaid XXXX account. They also never refunded my account from XX/XX/XXXX after the casino over charged me for XXXX dollars which they said they did give me but they never did nor dose my statements show it to they charge me fees but I pay a month service charge for the account to I have every card they sent me and documents showing proof yet nothing I just want all my money back. Been a customer since XXXX. My name is XXXX XXXX number XXXX and social security number XXXX
Consumer complaint received 2023-08-15
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. (LA)

In XXXX i dispute a collection account with experian that was on my credit report i told them the account was not mine yesterday XX/XX/XXXX i found out they had someone elses credit report mix with mine they could clearly see XXXX different names and XXXX different ss numbers but they kept it on my report i was denied a loan a i am completely devastated by this they said they would fix it but my score still remains XXXX points lower then the other to reporting companies they said that was what my score would be this is not fair i have worked hard at my credit they should not be able to do this they refuse to take off hard inquiries that i did not give permission to run either please help
Consumer complaint received 2024-03-12
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. (NV)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (NY)

Im a customer at KeyBank with a checking account. My husband went for a cash advance at XXXX XXXX XXXX XXXX on XX/XX/2023 and accidentally used my card ending in XXXX which was approved and my husband went to the cage to get the amount which was XXXX and total amount after the fee was XXXX. He didnt know he used my card on our joint account and was denied the funds at the cashier cage at XXXX XXXX XXXX due to different names on my debit card. On XX/XX/2023 the fee was reversed and the money went back on my debit card and that transaction disappeared on my bank statement. On XX/XX/2023 i looked at my account and it was debited XXXX for XXXX  XXXX XXXX XXXX  for the second time. I submitted a dispute for that transaction around XX/XX/2023 and received a provisional credit while they investigated the claim. On XX/XX/2023 I received a provisional credit reversal on my account which put me in the negative and also got overdraft charges. I called them and they said the dispute was closed and that I received the money from XXXX XXXX XXXX XXXX  which I did not. They opened another dispute and said I had to wait at least 45 days to see what the outcome is which I dont have 45 days to wait as I have bills to pay. I called XXXX which handles all the cash advances for XXXX  XXXX XXXX XXXX  and they stated the cash advance was not completed and submitted a reversal to key bank. I am submitting my email I received from XXXX stating that I never received the cash advance and also some bank statements that show the money taken out on XX/XX/2023. XXXX dispute number is XXXX. And the original KeyBank dispute number is XXXX
Consumer complaint received 2023-04-09
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. (AL)

XXXX is reporting to credit bureaus that this is an revolving account. This is a checkings account. XXXX has failed to validate and verify my signature on any documentation per my previous dispute request
Consumer complaint received 2023-02-26
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. (KS)

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 XXXX XXXX Account name : XXXX XXXX XXXX ( XXXX XXXXXXXX ) 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 2021-03-12
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. (TX)

I filled 4 disputes with Experian to dispute the XXXX XXXX XXXX Collection agency for the past 2 years. 
I provide Copay receipts and the XXXX XXXX statement that shows I have a {$0.00} balance. Claim XXXX Date of Service XX/XX/XXXX was paid on XX/XX/XXXX Sent Electronically XXXX XXXX to Provider : XXXX, XXXX XXXX for {$2000.00}. Please see the XXXX XXXX attachment. 

Experian has responded with the same response " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I filled 2 disputes with XXXX about XXXX XXXX XXXX and received the same results as Experian. 

Listed below are the disputes. 

Experian Date Submitted : XXXXXXXX XXXX, XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX XXXX  Confirmation number : XXXX Submitted XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Both XXXX and Experian have the same account number as listed below. 

Account Number : XXXX Original creditor : XXXX XXXX XXXX {$300.00} Company : XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I received an email on XXXX from an email account pretending to be my attorney for a home transaction. The fake account reached out to say that the due date for the downpayment deposit was changed from XX/XX/22 to XX/XX/22. The fake account sent a letter with my attorney 's information and signature. I then received a fake attestation letter from the fake attorney account, also with my attorneys signature and letterhead. I wired the {$32000.00} on XX/XX/22. I received a call from the Capital One bank wire department to confirm the details. On Sunday, XX/XX/22, I received an email from the fake attorney account saying that the money had not yet arrived. I called my bank the next day on Monday XX/XX/22 to confirm the details and they let me know that the money was on the way. I also called the recipient bank and while they could not give me information on the wire, they said the money may take a business day or 2 to arrive on their end. I was updating the fake attorney account throughout the day on XX/XX/22 and received an email on Tuesday XX/XX/22 from the fake account that the money was pending in the supposed escrow account. I then received a call this morning from my attorney saying that he never spoke to me about this. I then realized the email I was speaking with was misspelled with my real attorney 's last name. I contacted my bank immediately after hearing this ( morning of XX/XX/22 ) from my attorney and they initiated at stop transfer request with the bank that received the funds. I have followed up over 10 times with my bank, Capital One, and they still do not have any information for my case as of XX/XX/22 a over a month since I filed the stop transfer. Capital One states that they still have not received a response from the bank and can not do anything to potentially refund my money until they do. The local police detective ( XXXX XXXX  Police department ) was able to give us more information about how the fraudulent transaction transferred money through at least 2 more bank accounts. Given their resources, it is unacceptable that Capital One is unable to provide any update on a claim filed over six weeks ago. I have been told several times that notes have been added to my Captial One case file, an investigator from Capital One will reach out to me, a representative will reach to me to, etc. with no follow through from Capital One. No one from Capital One has reached out or asked for any additional information since I first reported the fraud on XX/XX/22. The nonchalant, passive attitude Capital One has taken towards their investigation and refund of my money is disheartening. I am a working class person who was scammed out of their life savings- not a major business with millions of dollars in their bank account.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My credit report with Equifax shows multiple invalid account that are causing detriment to my score. My report is showing XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX ) as charged off. That information is invalid. My report also shows XXXX XXXX, and XXXX  XXXX ( Reported XXXX on my report dated XX/XX/XXXX, XXXX and XX/XX/XXXX ) as Hard Inquiries. I have never interacted with any of these companies listed which means this information Is invalid. I have requested for Equifax to remove these invalid accounts or validate them. However, I have not gotten a response or action from XXXX.
Consumer complaint received 2022-12-06
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. (DC)

Privacy and Confidentiality under 15 USC 1681 XXXX - XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 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 2022-06-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (TX)

Upon calling Procollect XXXX XXXX used offensive language and rude tactics, refused to provide payoff options, and attempted to force me to pay the debt100 % in full refusing to provide and information about the debt owed. He stated that he didn't give a XXXX about my circumstances or divorce and hung up on me. Upon calling back and for 2nd time asking to speak with some one in management, XXXX then told me I was asking to many questions. Stated he's not hear to answer my questions and to pay the XXXX debt. He then hung up on me a 2nd time. Ultimately. XXXX blocked my ability to pay the debt. Upon calling back the receptionist stated she could no longer see the file and insisted that the only I could talk to someone about the debt would be to email XXXX.
Consumer complaint received 2022-11-01
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. (DC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IA)

I initially disputed XXXX XXXX as not my account on XX/XX/XXXX I received a letter Confirmation # XXXX from Equifax, dated XX/XX/XXXX stating that they updated the information on the report. It was still incorrect so I mailed a Method of Verification Letter on XX/XX/XXXX and requested they reply within 15 days. I have not received a response.
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01
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. (DC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-07
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. (GA)

I am a natural person, I am a living being. I have rights under 15 USC 1681 Equifax is govern by 15 Use 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX