davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (MD)

I XXXX XXXX, entered into a consumer credit transaction with Dept Of Ed/Nelnet on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Dept Of Ed/Nelnet, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Dept Of Ed/Nelnet never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

When I banked with Wells Fargo I was incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly Frozen. Also, I had opened up an account for my son which was supposed to be a no fee account. However they lost the account on my son. We were never able to retrieve any funds from that account. They were always charging fees that were not right and most of the fees charged to my account were the bank 's error.
Consumer complaint received 2021-09-25
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: Opportunity Financial, LLC (CA)

Opportunity financial was paid the rest of the money owed still reporting derogatory the debt was paid with what balance was said and they tried to bill me for another {$300.00} which i paid after countell late reporting on my credit..
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with The Fair Credit Reporting Act XXXX  Accounts # XXXX  has VIOLATED My rights. 

1. XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX XXXX XXXX Acct # XXXX 5. XXXX  XXXX Acct # XXXX 6. XXXX  XXXX Act # XXXX 7. XXXX Acct # XXXX 8. XXXX XXXX Acct # XXXX 9. XXXX XXXX XXXX  Acct # XXXX 10. XXXX Acct XXXX XXXX 11. XXXX XXXX Acct # XXXX 12. XXXX XXXX XXXX Acct # XXXX 13. XXXX XXXX XXXX  Acct # XXXX 14. XXXX Acct # XXXX 15. XXXX Acct # 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 2021-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I was in forbearance due to COVID and have been in a workout plan with current servicer to resolve past due fees owed. A loan modification was presented to me which increased the monthly payment instead of making the mortgage more affordable so I had declined the modification agreement. Servicer advised a valuation needs to be ordered to qualify me for a more reasonable modification agreement which is currently in process. While we are waiting for the valuation, the Servicer reported me as being 60 day late to the credit bureaus. Aren't the Servicers suppose to help consumers develop a reasonable workout plan and not further damage them with incorrect reporting to the credit bureaus? Please help clarify the current laws regarding reporting requirements for consumers attempting to exit forbearance as a result of COVID
Consumer complaint received 2021-09-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for unemployment in XX/XX/XXXX and my account was hacked and all my money was stolen after MONTHS of calling and after properly id me linking it to the bank of America and walking into a branch to have the employees talk to edd as well to confirm who I was this employee actually told me the address of where my card was shipped to, that was on XXXX XXXX I reported that day that everything prior to XXXX XXXX was a fraud on my account this totals XXXX I had to live throughout the pandemic without any income lack of representatives to answer at XXXX and bank of America. XX/XX/XXXX I went to the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX the staff at this ups store told me I had mail and in order to get it i had to sign up for a box, so I did and the box name was under XXXX XXXX and XXXX XXXX and sure enough there was my card inside his box. I reported this to edd and to bank of America filed numerous fraud reports and still nothing, I am in major debt because of this and need help refunding me my money. an edd rep told me onXX/XX/XXXX that the issue was already sent to the bank of America to reissue the funds to me and it would take 7-10 days but nothing has been done.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have sent a formal dispute along with my identity theft report to Equifax but they refuse to accept it like the other 2 bureaus and continue to report unverifiable and fraudulent information on my credit file. I read bad reviews about them and is aware of the class action lawsuit which proves that they don't follow the law. I'm upset and want them to follow the guidelines under the FCRA. The following account are unverifiable and fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Multiple XXXX XXXX credit accounts and collections in their behalf continue to report negatively on my credit report with XXXX, EQUIFAX and XXXX. I have a discharged bankruptcy in which XXXX XXXX accounts were included and this should include all collections on their behalf. I have made multiple disputes on this matter. The accounts were updated to a positive status but later put back to a negative one. I pay monthly for a membership that never has the proper updates and it continues to impact my credit score negatively. Being told by representatives that these items will fall off eventually does not help or solve my issue. These negative reports are having a huge impact on my credit rating.
Consumer complaint received 2021-09-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Multiple XXXX XXXXXXXX credit accounts and collections in their behalf continue to report negatively on my credit report with XXXX, XXXX and TRANSUNION. I have a discharged bankruptcy in which XXXX XXXX accounts were included and this should include all collections on their behalf. I have made multiple disputes on this matter. The accounts were updated to a positive status but later put back to a negative one. I pay monthly for a membership that never has the proper updates and it continues to impact my credit score negatively. Being told by representatives that these items will fall off eventually does not help or solve my issue. These negative reports are having a huge impact on my credit rating.
Consumer complaint received 2021-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NJ)

I C SYSTEM XXXX XX/XX/XXXX {$650.00} XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XX/XX/XXXX {$110.00}
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/XXXX XXXX and XXXX violated my rights as a Consumer, The are in direct violation of the Privacy Act of 1974, FCRA, 12 CFR 1022, 15 U.S.C. 1692g, 15 U.S.C. 1666B and many others. Upon review of my credit profiles in which I found several inaccuracies. I immediately called each company to get these inaccuracies immediately deleted but to my demise XXXX and XXXX refused to delete them citing that they did not have to power to delete these accounts because they belonged to the companies reporting them. I stated those are my account as I am the Bona fide Consumer and that this credit file belongs to me and not the Companies reporting Accounts in error. I also informed them that the Internal Revenue Service states that Charge-Off 's and consider Income and the can not report any account related to income per the law. The refused to immediately remove them stating that I needed to file a dispute with each individual company. 
I found these Accounts being reported in error on my credit profile for XXXX and XXXX : 1. XXXX Account number XXXX Original creditor Company sold Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$10000.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX 2. XXXX XXXX XXXX Account number XXXX Original creditor Company sold Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$22000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX 3. USAA FEDERAL SAVINGS B Account number XXXX Original creditor Company sold Account type Auto Loan Date opened XXXX XXXX, XXXX Open/closed Closed Status Account charged off. {$9000.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX 4. USAA SAVINGS BANK Account number XXXX Original creditor Company sold Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-09-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA (GA)

I ( a natural person ) was issued a false debt that was mailed to me. I have sent a affidavit of truth proof of validation exhibit and have not received a response. The alleged debt is a defamation of character which is in violation of of title 15 USC 1692b ( 1 ). Also within the collection the credit card company is adding interest to the alleged debt which is in violation of title 15 USC 1962f ( 1 ) below I have attached the statement
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TX)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX TX XXXX XXXX  XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXX XXXX APT XXXX, XXXX XXXX, TX XXXX
Consumer complaint received 2023-07-22
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-09-25
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: Harley Davidson Financial Services Inc (SC)

While validating an account this company sent me a letter saying that they simply saying they are not required to investigate because they did not receive sufficient information, which is false. I sent a letter with my information. While monitoring my credit report month-to-month I noticed this company did not submit the notice of dispute with XXXX but reported supposed for the month, which I know is a violation according to section 623.
Consumer complaint received 2022-04-16
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b : not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good Afternoon, I tried to reach the credit Bureaus by letter and they have not answer me, there is incorrect information on my credit report and they do not update the incorrect information and did not provided any kind of information back to me. I'm starting to feel very frustrated at this point. I hope you can help me and find a resolution.
Consumer complaint received 2021-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO Bank, N.A. (FL)

I deposited a check from XXXX to the checking account I had with BMO Harris Bank. After a few days, the balance reflected that the check had been deposited into my account, so I transferred some funds out of that account. Then, after a few days, when I logged into my BMO account, I noticed that the check was returned and my account balance went to negative because of that. And I was charged a " returned check fee ''. I suddenly transferred some funds into that account to avoid the balance being negative. After the funds got settled, my checking account was closed by BMO Harris Bank. I called them to return the fee that they charged and the customer service representative said that due to my account got closed, it's difficult for them to see the transaction history, but she promised me that they will contact me about returning the " returned check fee '' in the next 72 hours. However, I have never heard back from them so far. 

Firstly, it's XXXXXXXX XXXX decision to issue me a new check and void the check I deposited into my checking account with BMO Harris Bank. Secondly, why BMO Harris Bank allowed me to transfer the funds out even if the funds were not fully settled? I wouldn't know the check would be returned. Thirdly, BMO closed my account without any proper or prior notification and I have no access to my statements and transaction history any more. And BMO failed to resolve the fee issue.
Consumer complaint received 2021-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McKenzie Paul & Associates (AZ)

Back in XXXX I had an XXXX XXXX that required the rental of a passive motion device and a sheepskin pad. At the time I thought that my health insurance had covered the charges, but a year and a half later I got a bill ( XX/XX/XXXX ) in the amount of {$100.00}. I was still trying to sort out the details of the charge with my insurance company and XXXX XXXX, the company that provided the passive motion machine, when I received a letter from Mckenzie Paul and Associates requesting immediate payment otherwise my account would be reported to credit bureau. I then contacted XXXX XXXX and paid the {$100.00} on XX/XX/XXXX directly to them and they told me that they would remove the debt. However, I continued to receive letters from McKenzie Paul and Associates and harassing phone calls. The last call I received from them was in XXXX. I told them to stop calling me and sending me letters because the debt was already paid. They demanded to get a check # or the number of the credit card I used to pay. I told them that they needed to contact XXXX XXXX and that I would not provide them with that information. I also told them to stop calling me or I would report them to the CFPB. I am still receiving letters in the mail trying to collect the {$100.00} that I have paid.
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (MS)

Dear CFPB, I have a Secured Credit line with, First Progress Card XXXX XXXX XXXX XXXX XXXX, TN XXXX First Progress has currently charged me a {$29.00} late fee for a check they arbitrarily cashed after the due date. The check was dated and sent well before the due date, which was held by First Progress after the corresponding due date, resulting in a late fee. 

I contacted my bank XXXX XXXX, and had a Good Will / Good Faith Letter sent to First Progress. I also had a conference call with my bank and First Progress where my bank verified the check 's date was dated and sent before the due date, which they refused to honor. My bank has refunded me the XXXX dollars late fee payment, but I would like to go further with seeking action against First Progress, by not complying to United States Regulations. 

My Bank is... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX
Consumer complaint received 2021-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOK FINANCIAL CORP (CA)

We wrote a check in 2019 that never cleared our checking account. We contacted the company the check was written to 6 months after we wrote it and they said we did not owe them anything so we stopped accounting for the check. More than two years later our bank, XXXX XXXX XXXX XXXX received the check from the Bank of Oklahoma and paid the check without contacting us.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

XX/XX/XXXX - I saw Jefferson Capital Systems on my credit report and when I attempted to dispute through XXXX I was routed to XXXX, I see that its on my report as a negative collection but when I attempted to dispute it it shows me that I don't have any Collections on my credit. I need for them to remove the debt from my credit if I have no knowledge of them. 
This is on my credit report : Most Recent Account JEFFERSON CAPITAL SYSTEMS | XX/XX/XXXXXXXX XXXX