davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Remove 9 Hard Inquiries, remove this is not my credit card CAPITAL ONE Reported on XX/XX/XXXX, remove all Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK XXXX XXXX XXXX XXXX CAPITAL ONE 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 thank you for all your time and your help on removing these items off my credit report.
Consumer complaint received 2020-07-10
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. (OR)

I am a victim of the equifax breech. In XX/XX/XXXX I put in my request to be re-embursed for my part of the settlement. In XX/XX/XXXX they wanted proof of my credit monitoring. I gave them that. I started noticing I was getting credit alerts from them, which, I unsubscribed from. I DID NOT want any credit alerts, I never asked to be given that instead of cash. I think they are beyond arrogant to think ANYONE wants them, the company that did not have my consent to ever give out my personal information, monitor their credit. It's honestly an insult. I want my cash settlement.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank has discriminated against me because I am an XXXX American Male. A have business that entails landscaping and Personalizing Items. I applied for a SBA loan and was approved. Chase went into my account from last year after witnessing my race and noticed a deposit from the SBA. The Froze my account with all my personal money and Direct deposit from work. I called to get the reason why my account was froze and the fraud department was very adamant it was FRAUD. I was told by a CHASE FRAUD SPECIALIST to submit a letter from my CPA Vouching on my behalf I am a legal business owner who operates as a sole proprietor under my social, and the letter had to be notarized. I provided the letter as requested, they still will not release the hold and FRAUD alert off my Personal account. The Fraud specialist are now telling me I must obtain a EIN to operate as a sole Prop. under my social. I know that's false and inaccurate information. I have read several reviews of other XXXX American men who has experienced the same Discrimination after providing proof of have a legal business.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (WV)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.

Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (MI)

I sent payment to the company and they sent it back I am on fixed income and they know it because I paying double and and because of that I am behind on my lot rent I pay {$600.00} every month Which is being sent to my lawyer and they refuse to cut me some slack all they do is yell and say bad things to me on my phone They are constantly threatening me and harassing me if I dont pay them
Consumer complaint received 2024-03-21
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. (GA)

XXXX, Transunion, and XXXX are obligated by the FCRA to report accurate accounting. A charge off account from XXXX XXXX XXXX is reporting on my credit report. According to IRS publication XXXX, if your debt is forgiven or XXXX for less than the full amount owed, the debt is considered canceled for the forgiven or XXXX amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. In general, if your debt is canceled, forgiven, or XXXX for less than the amount owed, the amount of the canceled debt is taxable. It is clearly stated in the publication that even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return A charge off is considered income by the IRS, and income is not supposed to be reported on my credit report. I never received my copy of the XXXX Also, according to 15 USC 1681 XXXX I have the right to an accurate report across all reporting bureaus. This particular charge off account shows inaccuracy with all three bureaus. The information directly impairs the efficiency and credibility of the information being reported by the credit bureau.
Consumer complaint received 2023-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MN)

My federal loans were transferred from Great Lakes to Nelnet in XX/XX/2023. Great Lakes informed me that " The transfer will not impact the existing status, terms, conditions, interest rate, or available repayment options ( such as income-driven repayment, deferment, or forbearance ) for your federal student loan ( s ). '' However, when I checked my loan terms in the Nelnet portal, I noticed that they have raised the interest rates on all of my federal loans. I have contacted them on XX/XX/2023 to complain and not yet heard back. 

I believe this to be a predatory and illegal act on the part of Nelnet to scam federal student loan holders.
Consumer complaint received 2023-03-08
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. (MI)

In accordance with the Fair Credit Reporting act, 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
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of america illegally opened an account in my name. I was a victim of identity theft from a large scale corporation. There was no way the account could have been opened other than the bank because none of the proper email authorizations were made by me.
Consumer complaint received 2024-02-14
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (FL)

I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USC 1681-s. 

The collections account in question, associated with DISCOVER BANK, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report. 

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

The collection agency, DISCOVER BANK, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, DISCOVER BANK, has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law. 

I am disputing any ownership of debts to DISCOVER BANK. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. 
The purchase agreement between myself and the original creditor. 
I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws. 

Sincerely,
Consumer complaint received 2023-03-04
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: Resurgent Capital Services L.P. (LA)

Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2021-01-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. In its XX/XX/XXXX Annual Credit Report number XXXX - Experian XXXX dispute and subsequent communications Experian reported it received and verified all transactions and accounts of XXXX XXXX # XXXX. Upon phoning XXXX yesterday ( obstructions totaling 123 minutes ) and speaking with XXXX, XXXX and many others and XX/XX/XXXX Experian Customer Experience Survey Case # XXXX Experian again confirmed the existence of its verified records provided by XXXX but refused provision of these business records relating to transactions and accounts. Experian has been repeatedly, in writing, requested for 178 days to provide applications and all other business records relating to fraudulent XXXX XXXX  # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX transactions and accounts. Please immediately provide all documents/records by return email to XXXX.
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

I did a treatment in XXXX XXXX XXXX XXXX, because of the high cost, they offered me to apply for a XXXX XXXX XXXX XXXX to pay for the treatment of XXXX. The promotion was 0 % interest for 18 months starting in XX/XX/XXXX and ending in XX/XX/XXXX during the dental treatment they had to make another dental arrangement for which they offered me to pay it with a second promotion which started in XX/XX/XXXX and ending in XX/XX/XXXX. When the first promotion ended, the receipt said that I had to pay XXXX to avoid the interest. I always made my payments on time by sending more than the minimum required and I sent XXXX because I knew I had a balance on the second promotion. XXXX charged the full payment to the second promotion instead of splitting the payment to cover the balance of the first promotion and they are now charging XXXX for the interest. It seems very unfair to me since I have made my payments for 18 months on time and more than the minimum required. Consequently in XXXX, the payment of XXXX was applied to the interest but they are adding XXXX to the interest. I hope you can help me thank you.
Consumer complaint received 2022-10-30
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. (TN)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX, XXXX XXXX XXXX, US DEPARTMENT OF ED XXXX XXXX, and XXXX XXXX XXXX XXXX 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 2017-07-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (AZ)

I purchased a Washer {$790.00} Dryer {$790.00}, Hoses {$50.00}, Compact Air Conditioner {$410.00}, Headphones {$350.00} Steam Vacume {$240.00} Microwave {$170.00}, and installation {$110.00}. plus taxes total of {$3400.00} When I went into the store to purchase these items I had a {$2000.00} line of credit but as I was shopping and running out of credit the salesman said you have enough and approved me for another {$1000.00}. They had a promotion that week for 2 years no intrest. I was told that I would be getting the contract by e-mail that night or the next day. What I received about 2 weeks later was a payment book with the amount of {$190.00} to be payed monthly, I received no contract even though I called them after delivery of the microwave, washer dryer, which was delivered 2 days after purchase. around XX/XX/XXXX. My call to them was that I was being charged over {$6000.00} when I only had {$2000.00} credit! Also they delivered the wrong washer, Also they added an Insurance Plan which I did not authorize in the amount of {$3100.00} from XX/XX/XXXX to XX/XX/XXXX at {$44.00} monthly. The person I spoke to when I called the 1st time could not help me since she could not locate a contract #, or purchase order # or anything for that matter. So I called them back a week later and the answer was to go to the store that I purchased these things at and bring a homeowners insurance policy to show that I am covered in case something happens to the items. And then they would cancel the insurance that they charged me for. According to their rules I had 30 days to send back anything I did n't want. But as of today I have still not received a contract. Nor did I get the 2 years no interest this I got from the person I spoke to on the phone.. I told her that I am XXXX and do not have anyway of bringing these items back to the store and it stated on their website that they would pick up these things but with a 15 % restock fee which they wanted upfront. { not stated on their website }! So all together for a purchase of {$3400.00}. I got a total bill of over {$6000.00}, but no contract specifying the purchase prices, the type of financing, interest and term or any other terms and conditions, just a bill incorporating many extra insurance products for an amount exceeding my credit limit by an extraordinary amount and further no creditor would extend that much credit to someone who lives on {$800.00} a month social sercurity XXXX, the income would never support it! 2 or 3 days after I made the purchase, I contacted Conn 's and told them to pick up everything except for the microwave. But they have not come to pickup anything, and I can not bring them to the store. All of these things except for the microwave, washer and dryer and air conditioner have not been used and are still in the original boxes.
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I have reported this information to the credit bureaus already, as well as to the FTC but they have never answered me at all. The information in the reports attached to this complaint are fraudulent and were not opened by me, as the consumer. Please assist me in this important matter.