davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-29
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. (GA)

Consumer victim of Experian data breach and cyber security attack ; that cause the misappropriation of my good name, identity or suffer from or experiencing now ( Identity theft/fraud ) between XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX Experian General Counsel sent to consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer provided a copy of the civil judgment previously reported to third party and other fraudulent activities were made public record on his Experian Credit Report during or between XX/XX/XXXX and XX/XX/XXXX. 

The attach order for release of satisfaction is proof my Confidential and Personal Information was compromised supports and  substantiates XXXX and XXXX accounts are fraudulent having met criterion for Mediation program. 

Experian Marketing of its False Credit Scores to Consumers As direct result, cause of Experian Financial Services ; Experian Holdings ; Experian Information Systems , Inc ( EIS ) and dba Experian Consumer Services ( ECS ) arbitrary or capricious decision ( s ) to  make or having made full disclosure or public record of ( 1 )  erroneous credit scores about the consumer were offered or provided to the banking industry, mortgage lenders and/or potential employers presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ) ( 2 ) such misrepresentations as described in above paragraph were false and misleading that constituted deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CPA. 125531 ( a ) 5536 ( a ) ( 1 ( b ). 

( 3 ) such false reporting of trade lines, ( fraudulent activities ) ; credit scores and civil judgment to said third party debt collection agency ( GCS Limited Partnership ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and any other relief having violated FTC Act pursuant to 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 to date
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In Accordance with the fair credit reporting act XXXX acct # XXXX XXXX XXXX was paid off and needs to be deleted from the credit report, Also XXXX was also closed and settled and needs to be deleted from all three credit bureaus. Both My XXXX XXXX XXXX Acct number XXXX and account number XXXX  were both paid of and settled for deletion on all three credit bureaus.

15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction.

I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. 

Thanks XXXX XXXX
Consumer complaint received 2021-06-16
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. (PA)

I have called and wrote in asking for an investigation for the false reporting or late payments. Under the law of federal consumers rights i am instructing you right now 15usc 81 b a 2 to remove it according to my written instructions i did not give you all pro mission to fernish any of said information. Not reporting 100 percent accurate i see errors which are FCRA violation and the law is set in place for my protection against companies like such.
Consumer complaint received 2021-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Hello, I have been trying to get this problem fixed since XX/XX/2021 with TransUnion and XXXX and these reporting company hasn't sent me ANYTHING regarding this alleged debt. They haven't verified this XXXX XXXX debt and they haven't sent me any documents that i asked for or anything. So i am so confused who will be able to help me get this removed. Also the debt collector is XXXX XXXX XXXX and also hasn't notified me in any way ( 15 usc 1692g ) variolating my rights and keeping me in the dark I'm starting to feel like they are knowingly reporting false information and they wont fix it. It is really stressing me out since it's really been over 100 days of me trying, calling, and sending in disputes yet this XXXX Account is still on my report for no reason. They have violated so many consumer laws it is crazy. 15 united states code 1681 ( i ) ( a ), 1681 ( i ) ( 2 ) ( a ), 1681e ( b ) are just a couple and it should be deleted off my report immediately. Or else I will be forced to litigation since they seem to not be compliant with the law. 15 usc 1681n for willful noncompliance.
Consumer complaint received 2021-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have called and wrote in asking for an investigation for the false reporting or late payments. Under the law of federal consumers rights i am instructing you right now 15usc 81 b a 2 to remove it according to my written instructions i did not give you all pro mission to fernish any of said information. Not reporting 100 percent accurate i see errors which are FCRA violation and the law is set in place for my protection against companies like such.
Consumer complaint received 2020-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (VA)

Convergent Outsourcing has infringed upon my right to privacy as a consumer and violated all the following sections of USC 1692 : 1. USC 1692b. ( 2 ) 2. USC 1692b. ( 5 ) 3.USC 1692c ( 1 ) 4. USC 1692d. ( 1 ) I am Invoking my specified remedy as a consumer. I am demanding that this account be removed from all 3 of my consumer reports, and I am demanding compensation for each violation.
Consumer complaint received 2020-03-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

Per letter of XX/XX/2020 to CFPB, Nissan Motor confirms that my husband 's bankruptcy was in fact correct. They have removed the trade line for him from all credit reporting entities. 

As our attorney confirmed today, same should be done to my credit report, this is NOT a charge off as being reported and Nissan continues to report late pays. The trade line should be removed as was done for my husband. The debt is one in the same! 

Prior to having our attorney file a complaint against Nissan Motor and  moving with litigation, I ask that it be removed from credit history as was done with my husband.
Consumer complaint received 2021-06-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

My case numbers are XXXX-XXXX-XXXX XXXX and XXXX-XXXX-XXXX. XXXX. I have additional documents I need to provide but unfortunately I do not have a username and password. On XX/XX/XXXX, XXXX XXXX misappropriated my mortgage payment instead of correcting its system on XX/XX/XXXX, it filed foreclosure proceedings against me. From XX/XX/XXXX until the present XXXX XXXX  have filed false claims using the same transaction on XX/XX/XXXX, as an excuse to financially abuse me. On XX/XX/XXXX, the Federal BR Court held that XXXX XXXX 's claims and filing were invalid. On XX/XX/XXXX, after I paid my property taxes, On XX/XX/XXXX, XXXX XXXX  reversed the payment as well as added a known abuser 's name to the complaint whose name is not on the note. XXXX XXXX  continue to publish a false chain of title which eliminated the first ten pages of the document attached to their false claim
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2022 I applied for a credit card at Neiman Marcus. 
My application number was XXXX I was refused credit The denial letter stated that I had an invalid or missing credit score I have hade credit for forty-five ( 45 ) plus  years My credit score is between 760 - 805 points at all credit bureaus
Consumer complaint received 2022-12-28
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX {$4900.00} XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I submitted a request in writing requesting for a complete verification of a few items on my credit report with all XXXX bureaus. The request was sent in well over 30 days and they did not provide any verifiable information that proves these accounts have been completely verified. In addition the dates and amounts are still reflecting different between all three bureaus XXXX, Equifax and XXXX. 
The accounts that I submitted a written request for complete verification are the following : XXXX. ) XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, AZ XXXX phone # XXXX opened and closed dates are different with all XXXX bureaus. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , CA XXXX XXXX opened and closed dates are different with all XXXX bureaus. 
XXXX. ) XXXX- address- XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX opened and closed dates are different with all XXXX bureaus. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX phone XXXX XXXX. 
XXXX. ) XXXX- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , CA XXXX XXXX opened and closed dates are different with all XXXX bureaus. 
XXXX. ) XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX number XXXX opened and closed dates are different with all XXXX bureaus. 

This should have been fixed ad since now they have not honored the rights I am due legally they must remove the items that were not verified since they are inaccurately reporting on all three bureaus. Please assist me with getting a proper response and now resolution. Thank you.
Consumer complaint received 2020-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

I was charged overdraft fees in my account. I have been familiar with the policy and able to avoid the fees most of the time. However this week my account was put in the negative. I was able to keep it above the {$50.00} threshold to avoid the fees. Yesterday my account dipped below the threshold and I was able to recover it before the XXXX deadline. Yet this morning I woke up to three overdraft fees. Chase says I have used all my returns for the fees, so now I am negative {$200.00}.
Consumer complaint received 2020-03-29
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MT)

The original creditor, Dept of Education/NELNET was marking my loans late when I was trying to get in forbearance, they were very difficult to work with and would not accept my request. Since then, I have refinanced to a company Great Lakes. I have tried to get NELNET to remove the multiple at least 10 entries from my credit report, these are paid and closed and another company has ownership of them. I do not see why it is a problem for Dept of Education/NELNET to remove every listing from all three credit reports as I do not do business with them anymore. This is hurting my credit score with the multiple listings and the late payments because the people that worked there were so difficult.
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I called Capital One on XX/XX/2020 at XXXX to downgrade my Savor credit card to a Savor One as I did not want to pay the {$95.00} annual fee for renewal ( The renewal date for the card was XX/XX/XXXX ). The  service representative told me that I could not downgrade to the Savor One card ( others lesser downgrade options were available ) but I was eligible to have the renewal fee waived once it posted. Since I was not charged an annual fee when I applied for the card, I triple checked this with the representative who even checked with a supervisor who confirmed that this was true. 

I called in today ( XX/XX/20 ) to get the fee waived. They told me that they would not refund the fee and that there was no way to tell if would have been waived until it posted. When I asked to talk to a supervisor, they refused and said the decision is final. 

I never would have kept this card without the assurances provided previously by CapitalOne that the fee would definitely be waived. If they had told me this in error, they should have corrected this mistake immediately or at least researched the issue. I feel that I was defrauded by CapitalOne in a predatory manner and ask that the {$95.00} fee be waived. 

Please request the phone logs and recordings from CapitalOne as they will prove my account of what occurred is correct.
Consumer complaint received 2022-12-31
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. (NJ)

In XX/XX/ 2021 I noticed unauthorized items on my credit report. I contacted all three credit reporting agencies who have not been able to assist in removing the negative items being reported without permissible purpose. ( 15 USC 1681b ) They are furnishing information which were not initiated by me, hence reporting false information ( 15 USC 1681b ( c ) ( 1 ) ( a ) ( b ) ( 1 ) ( 3 ) have not given any written instruction to anyone to put on my consumer report. 
My right to privacy is being ignored by XXXX, XXXX, Transunion and creditors. 

These false consumer reports has affected me adversely and I feel as if my character is being defamed.
Consumer complaint received 2020-04-13
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. (OK)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$650.00} XXXX  XXXX XXXX {$94.00} XXXX   XXXX {$960.00} XXXX  XXXX {$77.00} XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$190.00}
Consumer complaint received 2020-04-13
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (MN)

I have been in medical care since 2017 and made payments to XXXX. I had a payee making payments. I never received any statements after a certain date and payments stopped. I started to get payment vouchers recently that I know of and did not know where they were coming from and what they were about. I did not understand when I went to credit report it said something about XXXX and bankruptcy. I recently wanted to refinance my home to take care of many medical bills that I have from the past 3 years and found out the loan has not been paid but it does not have the name of the company on it that is sending me the account statements. I will be calling them now but do not know what to believe or not. The company which I am receiving the account summary from is real Time Resolutions out of XXXX Texas. If you have any answers, I would appreciate them. XXXX XXXX
Consumer complaint received 2020-03-29
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. (MT)

This credit card XXXX XXXX  that have two entries, should have been removed from my report as it was closed in 2012, I have tried to dispute it but they are a shady company, I am requesting that they both be removed. They are closed and no longer used and they are over seven years old.
Consumer complaint received 2024-01-02
Product: Credit reporting 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, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I have been a victim of identity theft by someone whom I do not know. I am unsure how long this has been going on. This is severely impacting my financial wellbeing. If you see any suspicious activity this was not done by me.
Consumer complaint received 2024-04-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

Fortiva Credit Card endorsed by XXXX XXXX : Yearly fee was applied to the account without my notice ( also no balance was held ). New to me as the account was not charged this yearly fee the previous year. Fee was also not marked as a transaction, so could not identify it as a charge. 

Card closures take days. 

Exorbitant interest rates.
Consumer complaint received 2020-03-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation (NV)

TODAY 'S DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX : XXXX XXXX, XXXX COUNTY : XXXX COUNTY In the late XXXX  I went to school at a phony University, in XXXX XXXX, CALIFORNIA, the name of which, is very probably known to you XXXX XXXX UNIVERSITY The STUDENT LOAN, that, apparently, funded my " studies '', at XXXX UNIVERSITY, was, APPARENTLY BACKED BY : XXXX XXXX XXXX, IN XXXX XXXX, SD. 

LATER, A FIRM IN XXXX, INDIANA, BEGAN TO RECEIVE MY PAYMENTS FOR THIS SO-CALLED LOAN, FOR MY STUDIES, WITH THIS ABSOLUTELY PHONY UNIVERSITY : THE NAME OF THIS VERY PROBLEMATIC CREDIT COLLECTOR, IS, PREMIER CREDIT OF NORTH AMERICA, LLC XXXX XXXX XXXX XXXX, IN XXXX [ XXXX ] XXXX - XXXX ACCOUNT NUMBER : XXXX XXXX  XXXX XXXX XXXX It has lately come to my attention, that I have been making extortionate payments, to pay for a debt that I DO NOT OWE, because XXXX UNIVERSITY, IN XXXX XXXX, CA. WAS NEVER, NEVER, EVER, A LEGALLY, AND DULY ACCREDITED UNIVERSITY. Further, I have been paying this extortion, to PREMIER CREDIT, UNDER THE FALSE ASSUMPTION, SINCE XXXX. I HAVE BEEN PAYING MY MONEY, FOR AN " EDUCATION '', THE CREDENTIALS OF WHICH, ARE WORSE THAN WORTHLESS. 

GOALS : I BELIEVE IT IS ENTIRELY REASONABLE FOR ME, TO REQUEST, THROUGH THESE AUSPICES, AND THESE CHANNELS, TO GET MY MONEY BACK. I KNOW AND BELIEVE THAT A FULL, AND TIMELY REFUND OF MY MY UNKNOWING, AND UNWITTING PAYMENTS TO THIS FIRM OF PREMIER CREDIT FIRM, ARE COMPLETELY AND WHOLLY AND MORALLY JUST, AND PROPER. 

FURTHER, AND ADDITIONALLY, ON XX/XX/XXXX, XXXX XXXX XXXX  INVESTIGATIVE REPORTER, XXXX XXXX, WROTE A LENGTHY, AND THOROUGH, AND ACCURATE ARTICLE, ON THIS UTTERLY FAKE AND PHONY " UNIVERSITY '', AND HOW XXXX UNIVERSITY   HAS GOUGED AND ROBBED DECENT CITIZENS, OF MONEY, AND HARD WORK, TO OBTAIN AN EDUCATION. 

Thank you, XXXX XXXX XXXX DOB : XX/XX/XXXX CELL PHONE NUMBER : [ XXXX ] XXXX - XXXX