davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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. (AZ)

fraudulent accounts and inquires remain on my credit file i have asked for verification i have called accounts in question and they all have a different address on file and no signatures from me and no contact that they can send me these need to be removed ASAP In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 

Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
The date you contacted the individual funishers of information. 
The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 

Please forward an updated credit report to me after you have completed your investigation and corrections. 

Your cooperation and prompt attention are required by law. 

XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX THESE INQUIRES ARE FRAUDULENT AND ARE NOT A STATMENT OF FACT AND MUST BE REMOVED XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Automobile Dealers, New Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX  XXXX, XXXX XXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I been asking XXXX, Transunion and XXXX XXXX to validate the account from XXXX XXXX since XX/XX/XXXX And every time they come back saying the account is verified and accurate. In XX/XX/XXXX they sent me my investigation saying it was verified and accurate once again but I have highlighted the proof that the account is reporting wrong. The original creditor XXXX had written off {$1000.00} but XXXX XXXX has been reporting {$1000.00} and also been reporting false balances. Every time each credit agency says verified the information is still not accurate. This account needs to be removed immediately
Consumer complaint received 2020-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is once again sending mailed mortgage statements too late to make a timely payment by mail, thereby collecting a few days of extra interest from every customer effected by this practice. When I spoke to customer service, their only remedy was setting up auto payments. It was explained that statements are mailed our on the XXXX of the month, thus insuring one will never be able to mail back a payment by the XXXX to avoid being charged extra interest. Giving open access to one 's bank account to a company this underhanded does not seem wise, but it appears B of A is attempting to force people into either doing that, or accepting that they've set up this system in order to collect extra interest when mailed payments arrive a few days late. Multiplying this extra interest they're collecting by the number of mortgage payers must mean an incredible boon to B of A, at the extra expense of their customers. Surely that can't be legal.
Consumer complaint received 2020-12-27
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. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the XX/XX/XXXX data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: T.S. Holdings (AZ)

IQ Data International is reporting a collection account on my credit report when the account is in dispute. I tried communicating to the apartment complex however they ignored all attempt 's of conversation or resolution and 1 year later reported it to a collection agency. I have never received an itemized statement with the debt they are trying to collect. IN the amount of $ XXXX have submitted supporting documents to the collection agency showing proof of invalid debt being reported. This has been ongoing since XX/XX/XXXX to the most recent contact XX/XX/XXXX. XXXX where certified document 's were sent to the collection agency with zero resolution. The negative reporting to the credit bureaus is negatively affecting my credit. They are reporting a debt to the bureaus without it being a valid debt
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MD)

I received an email from the Department of Education in XX/XX/XXXX stating my student loans would be fully discharged. 

However, NelNet still has not closed the accounts and there are more loans from Great Lakes Borrower Services that was transferred over to them as well. This was done after I received an email from Great Lakes on XX/XX/XXXX saying my students from their company would be discharged as well. 

I spoke with Federal Student Aid on XX/XX/XXXX at XXXX. I was informed that all of my student loan servicing companies had been made aware of the class action lawsuit associated with my loans and they would discharge all loans and refund any payments made. 

However, no one has refunded anything as XX/XX/XXXX when I received a {$730.00} check from the Department of Education. XXXX refused to refund any payments I made to them even though the above email from the Department of Education stated they would. 

I also saw that a payment for {$9100.00} was applied to my NelNet student loan account on XX/XX/XXXX. I didnt make this payment and it should be refunded to me because this account is supposed to be closed.
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. (NJ)

Dear Transunion, Upon reviewing my credit report, I have identified numerous inaccuracies and unauthorized entries on my profile. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), it is crucial to emphasize the rights afforded to consumers regarding privacy protection.

Section 602A of the Act explicitly outlines my right to privacy, underscoring the obligation for accuracy when furnishing consumer information to reporting agencies, as articulated in section 1681s-2 ( A ) ( 1 ). Additionally, section 604A, subsection 2, mandates that consumer reporting agencies can not disclose accounts without my explicit written consent.

The accounts detailed below have infringed upon my consumer rights, and I demand their immediate removal from my credit report : Account name XXXX  XXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Consumer reporting agencies are entrusted with significant responsibilities, including the fair and impartial treatment of consumer data and a steadfast commitment to privacy protection. 

I request a revised copy of my credit report to ensure that my consumer right to privacy is upheld and maintained. It is imperative to verify that these unauthorized entries have been rectified, thereby restoring the integrity of my credit profile. 

Thank you for your attention to this matter.
Consumer complaint received 2020-12-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC (AZ)

I am being sued by a company ( DNF Associates ) that is not a registered entity in my state of AZ. The XXXX XXXX XXXX filed a claim stating the original creditor was XXXX which is false, misleading and hampered the defendants ability to file an accurate answer defense response to the complaint. There is also an Arbitration agreement with the original creditor XXXX XXXX that states any claim that arises out of or in any way relates to the Agreement, your Account, or this Provision ( the Claim ( s ) ) shall be resolved exclusively by binding bilateral arbitration in accord with the following : a ) This Provision is contained in a contract evidencing interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have contacted All three credit bureaus regarding miss information on my credit report someone has tampered into my credit report and change my information including my name my last name date of birth address is in Social Security numbers. Having a copy of my credit report from four years ago and none of this information was on my credit report this is been recently done and I believe I know who is involved. I have put a freeze on my credit report and it seems to be unlocked several times and I have locked it again. Someone is repeatedly putting several addresses changing the names the numbers on my credit report and Ive asked a credit with bureau by certified mail to change my information to the correct information including my name date of birth social security number and phone numbers including my address. This is fraud and unacceptable
Consumer complaint received 2020-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOEING EMPLOYEES CREDIT UNION (WA)

XX/XX/2020 - account with XXXX was pu on pause ( meaning no automatic payments would be withdrawn XXXX XX/XX/2020 - account with XXXX was cancelled, despite account being cancelled and on pause, merchant took reoccurring fee XX/XX/2020 - contacted XXXX about fraudulent fee - merchant said they cant do refunds XX/XX/2020 - informed XXXX that fraudulent charge would be disputed with bank XX/XX/2020 - Bank reversed charge and began investigation XX/XX/2020 - XXXX provided all communication to bank showing pause and cancellation as well as fraudulent withdrawal
Consumer complaint received 2021-03-16
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: JPMORGAN CHASE & CO. (CA)

On or about XX/XX/XXXX, I have contacted JPM Chase Bank to dispute the amount of {$320.00} billed to my credit card by Student Universe on XX/XX/XXXX. 
Chase then sent me a form asking me to fill this form and to attach supporting document. I filled in that form and attached the supporting documents ( this form is attached to this complaint ) which I send by fax to Chase on XX/XX/XXXX. 

However, Chase then closed my dispute without contacting the merchant, Student Universe. In their letter ( attached ), Chase stated that there was " no billing error ''. 
However, I never claimed that this was a billing error. I stated that the Merchant owed me a refund as indicated on the form that I submitted to chase. 

I then called Chase on or about XX/XX/XXXX. I had a long conversation with a dispute specialist who told me that Chase did not look at the documents that I submitted and closed the dispute out of hand. 
This representative then asked me many questions about the charge and my dispute. 
She told me that she has reopened the dispute. This was all done on XX/XX/XXXX. 


However, when I called on XX/XX/XXXX, a Chase dispute representative told me that my dispute was closed again, for the second time, and without an investigation. She stated that chase did not have enough information although I have provided a filled form and answered all questions about dispute during the phone conversation on XX/XX/XXXX. 

The representative on XX/XX/XXXX told me that I had to write to chase to reopen a dispute, but she told me also that chase did not notify me in any way about the second closing of my dispute. 
This was in direct contradiction to the conversation that I had with Chase on XX/XX/XXXX when I spent about 1 hour talking to chase dispute specialist and gave them all the details about the details. 

I asked to talk to a supervisor and was connected to a person who introduced herself as XXXX. I told her that I will complain to Federal Consumer Protection Bureau about the violation of my rights under Federal Fair Credit Act. However, XXXX refused to reopen my dispute and hang up on me. 
She used a XXXX slur to refer to me. 

Chase is violating my rights under Federal Fair Credit Act. I request that CFPB investigate my complaint and sanction JPM chase bank for violation of my rights and for a XXXX discrimination against me.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

On XXXX, XXXX, 2022 I sent in a letter to request removal of a fraud alert listed on my credit file. I have not received an update or confirmation of the removal of the fraud alert.
Consumer complaint received 2020-12-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

XXXX {$50.00} i ask to deleted this fraud account no method giving XXXX  XXXX  {$120.00} I ask for method of action for this account nothing giving XXXX XXXX XXXX {$560.00} I ask for method of method of this fraud account XXXX XXXX XXXX {$82.00} I ask for method of this account nothing giving XXXX XXXX XXXX XXXX {$1600.00} I ask for info never was giving fraud XXXX XXXX XXXX  XXXX {$5700.00} I ask about this fraud account nothing giving
Consumer complaint received 2020-12-27
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: CCS Financial Services, Inc. (OR)

I am writing to CREDIT COLLECTION SERVIC agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting CREDIT COLLECTION SERVIC agency to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2020-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/2020 I received a call from a representative of Transworld. The person said they were collecting a debt on behalf of XXXX XXXX. I attempted to explain to them that XXXX had already been paid by XXXX. Instead of listening to me the person became extremely aggressive, combative and disrespectful. They threatened me with further collection action and said this was my debt. I do not owe Transworld systems any money. In fact, I find it ironic they are trying to shake me down for {$260.00} when XXXX allows approximately {$18.00} for this test. XXXX XXXX has already been paid and Transworld has insisted upon harrasing me and having their employees contact me to be disrespectful.
Consumer complaint received 2022-10-26
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. (TX)

On XX/XX/XXXX, I sent in a compliant to XXXX XXXX about how Experian is reporting this account. I spoke to XXXX with XXXX XXXX XXXXXXXX XXXX who stated they are not reaging the account. It is XX/XX/XXXX and my account is reporting XXXX voluntary surrender. Please explain how a car from XXXX is reporting as XXXX? I want this fix by XXXX XXXX so it can be reported correctly. XXXX XXXX made a business decision to close the account on XX/XX/XXXX but that should have not affect my credit reporting dates. I do not want the excuse it Experian doing this because it is the information that XXXX XXXX is giving them. I want proof that XXXX XXXX is telling Experian to state First Delinquency date should be reporting and it should not have a closing date of XX/XX/XXXX because of the business decision you made. You really do not think this is re-aging if it is not what do you call if it the car was surrender in XXXX but is reporting XXXX? I do not get it. I want to someone from XXXX XXXX to call Experian and get this straight out or I need a letter in writing stating this account should reporting XXXX voluntary surrender not XXXX when XXXX XXXX did the business move to closed the account. Once again, I do not want to hear it is Experian it is XXXX XXXX so please fix this. I'm asking for this to be fixed. I will not accept it is Experian as an answer. It is an easy fix to call Experian and let them know to update my account to state XXXX for voluntary surrender. I did not have a contract with EXPERIAN I had a contract with XXXX XXXX so I need you to fix this!
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (FL)

I cant enroll in online banking, I submitted a claim with CFPB under the claim XXXX XXXX and case id from Wells Fargo XXXX XXXX That claim wasnt solved and I was requested to call online banking, I called today and they said that my phone can not be verified and I need to submit a claim to have that fixed first so then they can enroll me. That process takes more than XXXX XXXX so I need to have this fixed NOW. more than XXXX XXXX  without access to my account My mobile phone is working and is the same as you have in Wells Fargo system, XXXX XXXX XXXX
Consumer complaint received 2021-06-30
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: CAINE & WEINER COMPANY, INC. (NM)

I began receiving collection notices from CAINE AND WIENER ( C & W ) via email around XX/XX/XXXX stating that I owed money to its client XXXX  ( auto insurance ) in the amount of {$400.00}. I contacted C & W directly to inform them that this account was not opened by me and that I had no knowledge of it at all. They suggested that i call XXXX directly to investigate furthed which i then did with no avail! I disputed the collection account SEVERAL times claiming ths same thing - That the account was not mine mor did i have any knowledge of the account, however all my dispute claims where said to have been investigated and found as accurate. This incorrect collection account has not only caused extensive damage to my credit report ( because it is very thin making a negative account very damaging ) but has also cost several hours of my time and has even prevented me from finding better housing opportunities for my family and I. If this company would ACTUALLY investigate these dispute claims they would know that this account IS NOT MINE because I havent owed a vehicle ( let alone needed insurance services ) since XXXX of XXXX!!
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lloyd & McDaniel, PLC (GA)

In accordance with the Fair Credit Reporting Act, this Creditor ( XXXX XXXX XXXX ) and its Debt Collection Agency ( XXXX XXXX XXXX XXXX XXXX XXXX ) now named LLYOD & McDANIEL , PLC have violated my rights. 

Under 15 USC 1681 Section 602, states I have the Right to Privacy.

I received constant harassing debt collection calls.

15 USC 1681 Section 604A Section 2, also states that a Consumer Reporting Agency can not Furnish/Garnish an account without written instruction. 

Sometime last year, XXXX, the joint account I and my wife shared with XXXX  XXXX XXXX was frozen and Garnished without my consent or any written instruction. The amount removed without my consent was more than {$600.00}. I later received a notification email from XXXX  XXXX XXXX after the fact. Few days later, XXXX XXXX XXXX XXXX XXXX XXXX  sent a letter in the mail saying a Court Order was issued for my account to be Garnished. In the letter they also threatened to come after my property if the amount removed was not sufficient enough to cover the debt owed. 

Under 15 USC 1666 B, a Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have tried to pay the debt owed but my financial status does not permit me to continue. Furthermore, the debt owed is more than 2 years old.