davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
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: Bread Financial Holdings, Inc. (FL)

Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Consumer complaint received 2019-12-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (AZ)

Contacted company about 4 months ago to ask for debt validation proof. They then sent me letter recently of a computer print out stating i supposedly owe the debt of XXXX $ but can not prove its mine. On the letter they stated they would no longer contact me. Its still on my credit report. I have uploaded picture of letter.
Consumer complaint received 2023-07-01
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. (TX)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2020-01-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AR)

I received notification that my mortgage was sold by XXXX to Carrington mortgage back in XX/XX/XXXX. During this sell of my mortgage, Carrington Mortgage cancelled my automatic monthly payments without my knowledge or authority. During the duration of my mortgage with XXXX, I had zero late payments and all monthly payments were automatically drafted from my checking account. I was shocked when I received a document showing I was behind on my XXXX payment. At this time, I called Carrington Mortgage and asked why they cancelled my automatic payments and they could not give me a valid answer. At that point I asked how to set this back up on monthly automatic payments for mortgage payment. I filled out the bank form provided and mailed in the check for XXXX and XXXX mortgage payments. By completing and submitting this form, I was advised that the mortgage payments would be drafted automatically from the checking associated on the form. As of today, XX/XX/XXXX, I  received a letter from Carrington mortgage stating my account has been sold again. At this time, I called Carrington Mortgage to find out what has happened they explained that I am behind on payments from XX/XX/XXXX to current date of which I had not received no notification of any kind. The lack on notification and communication on the part of Carrington Mortgage has caused the disruption to my mortgage account. No verbal communication has occurred between myself and the mortgage company, beside the phone call made in XX/XX/XXXX to discuss the re-enrolling of the automatic payment and the phone call today XX/XX/XXXX.I attempted to pay the monthly payments for XX/XX/XXXX - XX/XX/XXXX, but they told me that I could not pay anything until I was charged attorney fee 's. In attempt to remedy this and bring my account up to date, I was denied the ability to pay. I also tried to go online and login to Carrington Mortgagee to view past payments and the ability to see what is due, the account has been denied user access.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Hello, this is regarding a prepaid reward card that I got from submitting a rebate for purchasing XXXX XXXX cookware set from Kohls. The card has {$40.00} and it expired on XX/XX/22
Consumer complaint received 2023-03-01
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WI)

I've never been late on a payment and always paid extra. Eventually I realized that my additional payments were not being applied towards principal and called in to have it fixed. The rep told me she would fix it. Within a few days I got a certified letter saying my account was over 90 days past due and my car could be repossessed. I was also receiving repeated calls from Nissan about my " past due '' account. Apparently the rep had applied so much money towards principal that she immediately put my loan 90+ days past due. My credit rating has dropped over 180 points in 2 months. After numerous calls and numerous unkept promises, nothing has been done. While XXXX shopping I was asked to apply for an XXXX credit card to save 20 % on my bill. I was rejected on the spot. It was beyond humiliating. I'm old school and take my credit VERY seriously! I'm asking for your help PLEASE.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (GA)

I lost all of my information and when I tried to access my Cash App account, I couldnt because I had forgot my password to my XXXX  so I couldnt upload the account to my new Phone cash app refused to assess me money to my account. They said it was a security issue. Its been over a XXXX. ill ask can I submit my ID they said theres nothing more that they could do about the matter and that my money would just sit there and I cant use it they wouldnt even close the account all they said was its a security issue theres nothing more they can do at this time I figure if my ID cant state who that I am then what else am I to do when they wont access me to my account they wont let me I dont know what else to do to get to my money XXXX cant access the account because I forget my password to my XXXX in order for me to put the new Cash App on my phone. They will send me a code to my email but I forget my password to my email so I had to create another email I also create another Cash App account. They said they will need the cows but they say its a XXXX security issue and they couldnt do it so I cant access my money XXXX
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NJ)

In XXXX Chime Bank closed my check account without notice, no reason given. Ive called repeatedly and they only state someone will get back to you in 48 hours. Chime does not respond back. Chime has illegally withheld funds for months committing banking fraud.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2020-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (SC)

XXXX XXXX was deleted from my report inXX/XX/XXXX, from XXXX, XXXX and XXXX after disputing unverified and inaccurate information that did not belong to me nor on my credit report. At that given time, XXXX XXXX which is the original creditor, has XXXX XXXX XXXX ( XXXX ) has the collection agency. Now, In XX/XX/XXXX, the SAME bill, is not under Diversified Consultants. This information and tactic is illegal.
Consumer complaint received 2020-01-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IN)

On XX/XX/2019 I scheduled two payments with my mortgage company, Mr. Cooper. {$620.00} was to be processed that day. The next payment was for {$1200.00} to be withdrawn on XX/XX/2019. 

The representative read back and confirmed the payments with me however she processed all of the payments that day. This caused my checking account to become overdrawn by a very large amount and my bank refused to place a stop payment on the transaction. 

I contacted Mr. Cooper who admitted that that they were at fault by withdrawing the money early but refused to offer any additional assistance in rectifying the situation. 

They have told me that the money was returned but it has not been. I am now facing foreclosure anf have tried to send additional payments but they have all been returned by Mr. Cooper.
Consumer complaint received 2019-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

XX/XX/2019 I contacted Transworld System to advise them that they were reporting 2 debts that was paid by insurance. One for the amount of {$1800.00} and the other for {$83.00}. Transworld stated they would get validation of the debt amount and remove it from my credit report. I made sure they were aware that they had no longer than 30 days under FCRA. I was more than patient and contacted them again in XXXX both by mail and phone. XXXX XXXX a supervisor at Transworld stated that as of XX/XX/2019 they still had not validated the debt and refused to remove it until they received proof from the medical billing company. They have a total disregard for both federal and state laws as well how this is impacting my credit.
Consumer complaint received 2022-12-27
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. (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. 

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 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 2022-12-27
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27
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: EQUIFAX, INC. (FL)

I have been trying to purchase a home since XX/XX/2021. My lender along with other banks have not been able to obtain my credit report from equifax. There is no block or freeze. Equifax will not provide my score or file to any lender. I have called equifax 5 times over the last 12 months. When I do finally speak to them they tell me I need to verify my identity by sending in a copy of my DL and Social Security card. The representatives at equifax have all told me that a block was out on my credit file by equifax, not me.I have done this 5 times. Once they get the documentation from me they then send me a letter saying my dispute has been resolved. They have done nothing. I recently tried to refinance my vehicle with my credit union. I was denied by them and they sent me a letter stating the reason why is because I do not have a credit file with equifax. No one at equifax seems to understand how to fix my issue. I just need help getting equifax to release my credit file and score.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was at XXXX trying to buy a car today XX/XX/19 and when they ran my credit I was told that I did not qualify for a low-interest rate due to my credit being in bad standing. I had no idea that there were accounts reflecting badly on my credit before today because I always make sure to pay everything on time ; When I looked through the accounts, I immediately realized that they do not belong to me. These accounts were opened by someone else without my permission. I don't know who is responsible for this but I have already filed a police report. I did not make any payments towards any of these accounts nor did I gain anything such as money, goods or services from any of these accounts.
Consumer complaint received 2022-12-27
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. (CA)

XXXX**3RD ATTEMPT*** It has been over 30 days since my 2nd attempt and I have NOT received ANY correspondence. 

In my previous CFPB complaint, XXXX responded and gave pushback stating that the bank account I used to try and set up auto pay back in XXXX XXXX  and onward was an account that did not belong to me and that it was under a different name. However, this is NOT true. My wife ( XXXX XXXX ) and I are equal owners of this bank account. Please see the attached bank statement & copy of my check book that shows both names as proof. XXXX 's name shows first and mine shows second. We both have equal ownership to this bank account. You can also see that the bank account number in which XXXX rejected ( XXXX ) is the same account number that is on the bank statement & check book. I'm not sure if it's because XXXX 's autopay can only detect the first name listed on the bank account but I am 100 % on the account as an account owner. Therefore, Autopay was rejected for a false reason and this ultimately caused my mortgage to be late when I had full intent to pay and even tried setting up auto pay multiple times. I kindly ask XXXX to rectify the late payments on both my mortgage accounts please. Please look at the rejection letters from XXXX and the bank acct number they rejected due to supposedly not being mine. Then look at the bank acct number on the bank statement and check book. Here you'll see that I, XXXX XXXX, am in fact an owner on the bank account.
Consumer complaint received 2020-01-06
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)

I was at XXXX trying to buy a car today XX/XX/19 and when they ran my credit I was told that I did not qualify for a low-interest rate due to my credit being in bad standing. I had no idea that there were accounts reflecting badly on my credit before today because I always make sure to pay everything on time ; When I looked through the accounts, I immediately realized that they do not belong to me. These accounts were opened by someone else without my permission. I don't know who is responsible for this but I have already filed a police report. I did not make any payments towards any of these accounts nor did I gain anything such as money, goods or services from any of these accounts.
Consumer complaint received 2022-12-26
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. (GA)

This is the several time I've complained about being a victim of identity theft. XXXX and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

On XX/XX/XXXX I contacted Nelnet to renew my income contingent repayment plan. The representative informed me of the Repaye repayment plan and placed my account into an administrative forbearance until XX/XX/XXXX to get the paperwork processed. On XX/XX/XXXX I reviewed my credit report which showed my account as 90 days past due. I called Nelnet on XX/XX/XXXX to discuss the status of my account which was thought to be in a " forbearance '' status pending re-certification. 

Upon speaking with several representatives on XX/XX/XXXX it was revealed that the representative whom I had spoken with on XX/XX/XXXX provided incorrect information. I was not eligible to switch repayment plans nor was I eligible for an administrative forbearance because I have parent plus loans included in my direct loan consolidation. 

The customer service rep stated they tried to contact me via telephone but there is no record of a phone call nor voicemail to substantiate this. My credit is ruined due to misinformation provided on behalf of a Nelnet customer service agent. I should have been offered a Hardship forbearance as I was offered on XX/XX/XXXX to bring the account current while I re-certify. 

In summary, Nelnet needs to remove the negative reporting from my credit report and do a better job training employees. I am totally disgusted by the companies lack of integrity and unwillingness to correct a severe mistake. I am will to sue this company to have my credit restored. This is a consumer nightmare.
Consumer complaint received 2024-04-10
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: U.S. BANCORP (CA)

All of these hard inquiries were made fraudulently. I did not make any of them! None resulted in accounts opened. 

XXXX Hard Inquiry XXXXXXXX XXXX XXXXXX/XX/XXXX. Tried to dispute with XXXX and was denied. Tried to call XXXX and they put in a credit report for me. 

XXXX XXXX XXXX - They would not let me dispute anything until I filed this report. 
US BANK XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Hard Inquiry XXXX XX/XX/XXXX- I completed a dispute but this was the only inquiry that was not removed as a result of the dispute. They said it was because I have an XXXX account currently, but I did not have one in XXXX.