davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (TX)

I mailed letters to XXXX, XXXX, and XXXX on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed bankruptcy was furnished, and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information, on my credit reports, and was informed that this information was never supplied to any consumer reporting agencies.
Consumer complaint received 2023-02-04
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)

Experian has constantly made no attempt to a proper investigation for account and inquiries I have disputed. I have asked Experian to please provide the names and business addresses of each individual with whom Experian verified the disputed accounts and inquiries, so that I may follow up, but Experian has failed to do so.
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

My mortgage payment got returned and I made a double payment the following month but they claim I still owe them money but my payment history says otherwise. They sent me an explanation but it has destroyed my credit that I worked so hard to build. I have the money to make the payment they claim I owe but I don't think it's fair the client portal shows incorrect information. If it would have been accurate I wouldn't not be in the situation and I don't think it's fair I have to pay the price for their reporting error. It took me years to build my credit up and I need it fixed.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (DE)

on XX/XX/2023 I notice an account from XXXX XXXX on my credit report for the amount of {$6200.00} that I did not apply for
Consumer complaint received 2023-06-28
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 

I waited 30 days and received my investigation and notice not all was corrected and appear the same. The consumer reporting agencies which are XXXX, Experian, and XXXX did not modify or remove all items. 

The date open is not correct, the date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a home for my family. 

I attached my previous credit report and new credit report to show how Experian violated my rights.
Consumer complaint received 2023-07-12
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MI)

Unauthorized Third-Party Status, Violation of Privacy, Cease and Desist Communication, and Debt Validation Request Dear Nelnet, I am writing in response to your communication dated XXXX XX/XX/2023, regarding my student loan, which has allegedly been transferred from Great Lakes to Nelnet. I would like to reiterate my previous assertion that your organization remains an unauthorized third party with access to my personal information. 
As referenced in my previous correspondence and the complaint I filed with the Consumer Financial Protection Bureau ( CFPB ), Complaint # XXXX, I have made it clear that I consider Nelnet an unauthorized third party with no legal authority to access or handle my personal information. Despite your claim of being the new servicer for my student loan on behalf of the Department of Education, I firmly assert that you continue to violate my privacy rights according to the Fair Debt Collection Practices Act ( FDCPA ). 
Therefore, I hereby demand that Nelnet immediately ceases all communications with me, both written and verbal, unless you can provide legal proof of your authorization and compliance with the FDCPA. Cease and desist all contact with me, as mandated by the FDCPA under section 805 ( c ). Your continued attempts to communicate with me while being an unauthorized third party constitute a violation of the law. 
Furthermore, I request that Nelnet ceases reporting any information regarding this alleged debt to credit reporting agencies. Any negative reporting or reference to this debt on my credit report is also in violation of the FDCPA. Failure to comply with this request will be seen as a willful violation of my rights. 
Additionally, I hereby exercise my rights under the FDCPA to request the validation of the alleged debt. I demand that Nelnet provides me with the original agreement bearing my wet signature, demonstrating that I am legally obligated to owe any debt to your organization. I expect this validation to be provided within 30 days from the date of this letter, as required by the FDCPA. 
I must emphasize that unless Nelnet can prove with legal documentation that I owe any debt to your organization, I will not acknowledge or accept any further claims or demands. Failure to comply with my requests, both for ceasing communication and providing proper debt validation, will leave me with no choice but to pursue legal action to protect my rights and seek appropriate remedies. 
Please acknowledge receipt of this letter within 10 days and confirm in writing that you will cease all communication, cease credit reporting, and provide the requested debt validation as outlined. Failure to respond or comply with these demands will be viewed as a deliberate violation of the FDCPA, and appropriate legal action will be taken. 
Thank you for your immediate attention to this matter. 
Yours sincerely, XXXX XXXX
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2021-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX, XXXX, operates and offers the XXXX XXXX secured visa credit card. I had an account with their XXXX secured credit card that was cancelled by the company and the outstanding balance was charged off. I have not been contacted by the company at any point and they have made no attempt to make me aware of this, nor has the company tried to collect the charge-off debt. It has been sitting on my account for years, unknown to me until very recently. The entire time, it has been pulling down my credit score. 

I have tried to issue a payment to the company, but have been unable to do so. The company lists a phone number, but the phone number brings the caller to an automated system that does not allow you to do anything whatsoever unless you enter your XXXX account number, which I do not have ( because I no longer have an account ). I can not reset an account. There is no way to get in touch with a human or make a payment over the phone. There is no email contact information for the company. There is the option to mail the company, which I have done several times. Once on XX/XX/XXXX, once on XX/XX/XXXX, once on XX/XX/XXXX, and once again on XX/XX/XXXX. I have never received a response from the company. 

I have disputed this account with the credit agencies, explaining that I am attempting to make a payment and the creditor is unable or unwilling to accept the payment ( because they are unreachable and unresponsive ). The agencies are give back generic responses that the creditor has confirmed the account information is accurate. This doesn't matter, my complaint is not that the information about the debt is inaccurate - my complaint is that I am trying to make a payment and the creditor is entirely unreachable. They are literally impossible to pay. I am *trying* to give them my money.
Consumer complaint received 2023-02-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2021-06-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/2021, I went to CVS to send {$400.00} + {$9.00} fee to receiver XXXXXXXX XXXX XXXX XXXX in XXXX XXXX XXXX. Once I completed my transaction then call the receiver and was told the name was incorrect, so unable to pickup the fund. I waited for awhile before the check back with receiver and were given correct name XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I called moneygram immediately and was told the money has already pickup. This doesn't make sense to me because if incorrect name then the transaction can not be completed. Moneygram takes all information and said it will investigate. I don't trust the way how moneygram process, so decided to report my complaint with evidence and information of the parties involved and get a resolution.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2021-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

For the past nearly 10 years, every 2-3 years or so, some nameless, faceless, individual ( s ) located deep within the underwriting/risk department of one of the major banks where I have my XXXX XXXX bank accounts abruptly and without warning, closes my accounts completely, and then have completely banned/blocked me from banking there in the future, ever again. They always state that due to some such and such reason and because they simply can, they just do. This has led to untold misery, instability, chaos, disruption, and untold damages to my XXXX XXXX XXXX, my family, and my children. After my own investigations, it has always involved someone with an axe to grind against me, a very secretive and clandestine individual ( s ) with a great deal of power, who takes pleasure in pulling out the rug from under me, possibly a XXXX or a XXXX person, or someone else who does not like me for political reasons. This has now happened at the following banks, in recent succession, from last to the first, according to my best recollection and memory ( which may be flawed ). Please urgently investigate and advise, as this has got to be unethical, if not illegal : ( 1 ) CitiBank ; ( 2 ) XXXX ; ( 3 ) XXXX XXXX ; ( 4 ) XXXX XXXX XXXXXXXX ; ( 5 ) XXXX XXXX XXXX XXXX  ; possibly others. This last time, at CitiBank, right after they approved a mortgage for our new house, they not only cancelled/closed my XXXX XXXX bank account which I have had for a little over 2 years, but also my little baby XXXX starting bank account ( hes only XXXX years old ) and my new XXXX wife XXXX bank account as she just got her social security number and work authorization card. In short, my entire family ( even my little baby son ) is getting harassed, punished, XXXX and attacked just for being my wife and child. This is unacceptable, and needs to be investigated urgently and immediately. This is especially strange since I know many people, law firm and business owners who have had the same bank account for 10, 20, 30 even 50 years, without this type of harassment. Please urgently investigate and advise.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I opened a Merrill broker account at a BofA branch as they had a {$1000.00} cash promotion ( if you bring in {$250000.00} new asset to the account ). My account number is XXXX. 

In XX/XX/2022, I have transferred funds into the new account and, based on the statement closed on XX/XX/2022, the total " XXXX XXXX XXXX '' was {$250000.00}. 

However, I have never been rewarded the {$1000.00} bonus. Instead, I only get {$400.00}.
Consumer complaint received 2021-06-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

I am having trouble with Wells Fargo. In XX/XX/XXXX I went into a Covid -19 program with WF. I was in the program for 3 months. My hours were cut at my job. I resumed payment in XX/XX/XXXX. I made payments, but was contacted by WF customer service rep in XX/XX/XXXX. She told me that I was not suppose to just restart payments without reaching out to them first. She them said in order to update my account and move the payments to the back of my mortgage so I could pay it later, she this is called a loan modification. She kept saying that I had been in the program for 6 months, I had not. This is information she should have had. She then told me that in order for the loan modification to be done I would need to stop making payments. I did not know that I should not stop making payments. I do now and I also know she should have not told me that. I later find out that they had sold my loan do XXXXXXXX XXXX. The loan was sold as a direct mishandling of my account with WF. They made it look like I was delinquent with paying my loan when I was doing what I was told. XXXXXXXX XXXX received the loan as delinquent and are threatening foreclosure on my home. They says I owe over XXXX dollars. It looks like I missed multiple payments, but hey do not mention the Covid -19 program at all, this was suppose to be corrected with the Loan modification done with Wells Fargo. I have spoke with Wells Fargo and XXXXXXXX XXXX multiple times. XXXXXXXX XXXX says they NEVER received the loan modification information. I made Wells Fargo aware of this they say that they sent it, obviously they did not. I have asked for a copy of the completed Loan modification multiple times but I have not gotten it. How is Wells Fargo able to get away with this?? They caused the problem and refuse to fix it!! I am stressed out, anxious, afraid and depressed over this whole ordeal. I should not be going through this. I did the right thing Wells Fargo made this huge mess and I am the one suffering. I need help with this right away. I am fearful that I will lose my home. I was suppose to start new payments in XX/XX/XXXX according to the loan modification. I have been making the payments. I have been told that until the account is updated to reflect the loan modification the money I pay each month goes towards the outstanding balance.
Consumer complaint received 2023-02-04
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if your are unable to provide a copy of verifiable proof, you must remove the account listed below. I demand the following accounts be verified or removed immediately. 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 2023-02-05
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. (MI)

n 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
Consumer complaint received 2021-06-26
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. (GA)

According to FCRA 15 USC 1681b ( c ) ( 1 ) ( A ), consumer reporting agencies must have my authorization to provide information pertaining to me on a consumer report. XXXX XXXX, and Equifax have reported an inquiry on my credit report about an alleged attempt from me to request credit from the following creditors on the respective dates listed : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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 2023-03-09
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. (IL)

XXXX XXXX XXXX  - account ending in XXXX, notified me that they sold an account to XXXX XXXX XXXX that was never mine in the first place. This account is fraudulently and illegally reporting to my credit. I would like XXXX XXXX XXXX  to provide evidence that this account is mine, including my signature, and if this cant be done, I would like XXXX XXXX XXXX  to delete this from my report immediately.