davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-24
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. (NY)

XX/XX/18 - A Fraudulent security alert was placed on my Experian Report, XXXX / XXXX. - A credit card For XXXX XXXX  XXXX  was opened and I was never informed and Never Opened that credit account!! 

I didnt notice until I checked my XXXX  report that it was up there, but XXXX removed it, Now I been dispute it was Experian but they no help and sent over all the info! 

THE QUESTIONS IS HOW THE ACCOUNT WAS OPENED IN THE 1ST PLACE WHEN A FRAUDULENT ALERT WAS PLACED ON MY REPORT?
Consumer complaint received 2020-04-03
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. (MN)

My credit card account with XXXX XXXX Credit Card states 30 days late with payment on my Trans Union and XXXX  credit report. Thats inaccurate. I have never been late or missed a payment. All my payments I have made to XXXX XXXX have been on time payments.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: DISCOVER BANK (MO)

My niece used my credit card without my permition a year ago. I reported it to Discover Card and sent them the police report and nothing was done to alleviate those charges from my discover credit card. In addition I filed chapter XXXX Bankruptcy on XXXX XXXX, and this account was included under the protection act of Chapter XXXX Bankruptcy. Under this act, my debt are protected by law. Doing this time, the debt would not be reported or collected. Discover Card reported debt that didn't belong to me, per the police report I submitted, stating that my niece stole it and ran up my credit card. I made a police statement concerning the matter. I would like Discover Card to delete this account from my credit file as soon as possible.
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter to XXXX Credit Bureaus to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. 




XXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$310.00}
Consumer complaint received 2023-07-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (GA)

On XXXX XXXX I applied for a personal loan through my current bank. The reason for the personal loan was to consolidate my debt Ive accumulated. I applied for the maximum amount and submitted the application online. My application was denied. Due to Title 15 USC 2611 PNC bank failed to provide me all factors that were involved in this consumer transaction.
Consumer complaint received 2020-04-03
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. (MN)

The following credit inquiries listed on my XXXX and Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX.
Consumer complaint received 2022-11-05
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. (TX)

I am formally requesting with this CFPB complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts as I believe these accounts are reporting in error : XXXX  XXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/2021 XXXX XXXX XXXX Balance Owed : {$22000.00} Date Opened : XX/XX/2021
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

On XX/XX/2020 I applied to open a joint share account at the XXXX XXXX XXXX XXXX ( XXXX ) in order to place some funds into CD 's. I had exceeded the amount of funds insured in my current credit union account and need to have use another institution so my money will be insured. I made several attempts to open the account online but was having issues. I contacted the XXXX several times by phone but was still not able to open the account. Finally, some more experienced person helped and found the problem. The XXXX uses Equifax to run a credit check before opening an account. I went online at all 3 credit bureaus and unfroze my and my wifes accounts and received confirmations of such actions. I contacted XXXX and told them the freezes had been lifted. They checked with Equifax at the end of the day XX/XX/2020 but they still got a response our credit was frozen. XXXX again checked XX/XX/2020 first thing and still got a response they were frozen. I went online and signed into myequifax.com account and it showed it was unfrozen. I called Equifax and spent over 2 hours waiting to speak to a representative. They checked and said the accounts were unfrozen. I still have been unable to get a share account approved by XXXX because my credit accounts are frozen. Equifax has total control over our lives, they make money off our data, yet we have no recourse when we can not get an account opened. Some of my money is sitting uninsured in my current CU and I am unable to open another account in a different CU to insure my money. This is just crazy and I need help.
Consumer complaint received 2020-04-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (CA)

Shellpoint is unlawfully making false claims that money is owed, that is not enforceable and has been satisfied as a matter of law. Shellpoint has hired a firm to make false claims and during this coronavirus exemption period having instead violated the State of California 's Orders of Exemptions of Foreclosures, and has aided to claim rights to enforce a Lien that is unenforceable, was time barred by operation of law over 13 years and was discharged AFTER being time barred over 8 years. This has been expired by all means under Applicable laws and according to the provisions of the contract. 
Furthermore : Shellpoint is attempting to serve a foreclosure notice during this Coronavirus Exemption period and having instead hired a new firm to aid in making false claims that money is owed. And having published on public records false accounting on discharged debt. This is extremely unlawful and under Civil Code 2941. having turned to criminal acts. 

During this extreme time of which we all face, Shellpoint is attempting to foreclose and file a Notice of Default when the Courts are closed and this is causing harm and injury. 

Shellpoint placed on my credit report found in XX/XX/XXXX to have made a false entry on my Credit report that money was owed and made up false entries to create a false claim as if payments were recently made, knowing this was false and untrue and attempting to revive a debt that is expired under all applicable laws from any collection ; and was later discharged under Chapter XXXX after having previously expired all rights prior to entering bankruptcy. This has been over 14 years of harm, and Shellpoint has caused recent credit reporting " False Credit '' entries on a debt that has a last payment due was XX/XX/XXXX. This was accelerated at this time and under applicable state law expires all rights under UCC 3118 ( a ) at six years. Despite the facts XXXX XXXX   XXXX Bank is the alleged Creditor who has stated " they are not the creditor '' and this pattern of abuse and harm continues to cause to ruin my credit, and lost my ability to gain a much needed loan, as my credit scores substantially decreased and denied business and personal credit because of this false entry. 

Despite the laws of California, including this recent Governor 's Order of NOT Allowing any foreclosures Shellpoint has hired a firm to attempt to file a NOD and move towards taking my real property under a false disguise that money is due, no rights remain to enforce the time barred lien. This has been over 14 years since Acceleration of the note. Despite this as fact, apparently Shellpoint is aiding and has been taking real property by false claims and time barred expired rights to enforce by any means, including foreclosure. Civil code 882.010-882.040 inclusive.
Consumer complaint received 2019-04-15
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: Capital Accounts, LLC (VA)

CAPITAL ACCOUNTS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This company is reporting to all three credit bureaus that I owe {$520.00}. However this company is in violation of Hippa Act of 1996. I did not give them authorization of my information. I never signed a HIPAA form to authorize them to have access to the information. They need to immediately delete this item from your report and stop all attempts to collect.
Consumer complaint received 2019-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

Hi, This is regards to Nelnet student loan servicer. I have requested to settle the debt with Nelnet in exchange for the original instrument of indebtedness. This request was initiated on XX/XX/XXXX. Nelnet responded with a letter stating we are unable to make adjustment to my credit inquiry, which I did not request ( see attachments ), It was clear what I was requesting, and they were stalling. Then I wrote another letter requesting the instrument of in indebtedness and I receive an e-mail from Nelnet stating my FORBEARANCE HAVE BEEN APPROVED and I will not have to pay until XX/XX/XXXX, WHICH I DID NOT REQUEST EITHER ( see attachments ) However, I received a statement requesting payment on XX/XX/XXXX. Now, forbearance was forced in place as a stall tactics until XX/XX/XXXX why do I need to make a payment? Again its very clear of my request and they refuse to send the information. 
Then I receive fabricated PROMISSORY NOTE ( see attachments ) from them on XX/XX/XXXX, which is clearly over the 30 days of when I requested the original instrument of indebtedness, which is clearly a violation. I have no idea who those people are on that promissory and the addresses dont even match the zip codes ; in addition, there is no signature on the document. I did not have any legal binding promissory note with Nelnet and the information provided is not factual and fabricated. Therefore, I would like a letter stating this debt will be removed off credit reports as the assumption of debt was never validated and this assumption of debt brought to {$0.00} ASAP, or I will be taking this fabricated promissory note and pursue legal actions and sue for Involuntary Servitude among other things! 
Please keep in mind Nelnet has been sued by the couple of different entities and investigate by the CFPB and being removed from list of provides for student loans because of their unethical practices. Im a prime example of the deceitfulness and wrongful doing. 
I have attached a number of attachments to support this case in, addition ; to screenshots of the when the certified mail was delivered to Nelnet.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer rep
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called and spoke to XXXX from Capital One ( Rep # XXXX ) and she refused to get a supervisor on the phone in order to give interest adjustments on my card due to COVID-19 in New York. New York has declared a state of emergency. The associate was condescending and advised to write a letter. This is a customer mistreat and I will not tolerate this. She refused to credit my interest for XXXX and XXXX.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been denied apartment applications due to id theft on my credit report that experian and XXXX refuse to remove even with the documents required to remove ( ID theft report, social security number, and drivers license via mail with tracking number. ) I believe my rights have been violated and I would like these accounts to be removed immediately.
Consumer complaint received 2020-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (OH)

To Whom It May Concern, The reason for my dispute is FOCUS RECEIVABLES MANAGEMENT {$870.00} was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, FOCUS RECEIVABLES MANAGEMENT failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 )  FOCUS RECEIVABLES MANAGEMENT failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation FOCUS RECEIVABLES MANAGEMENT is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where FOCUS RECEIVABLES MANAGEMENT is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.FOCUS RECEIVABLES MANAGEMENT has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2018-01-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CT)

I sent two wire transfers of {$500.00} and {$2500.00} to Coinbase ( coinbase.com ) on XXXX and XXXX, respectively. These transfers were supposed to clear in 1 day. However, despite a week passing and three emails to their support, the money is unavailable. My contacts have been unanswered thus far. 

Coinbase account : XXXXXXXXXXXX Wire transfers info : Item # : XXXX Amount : {$2500.00} To : Coinbase, Inc Fee : XXXX Service : Next Day Item # : XXXX Amount : {$500.00} To : Coinbase, Inc Fee : XXXX Service : Next Day
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX
Consumer complaint received 2020-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

I have made several complaints regarding XXXX XXXX XXXX to experian. 
XXXX XXXX  has opened two accounts with wrong information to collect a debt one with XXXX one with XXXX. The one with XXXX isnt even on my credit report its so old they are reporting false monies owed and the age of the account. They are also doing it on the Auto loan as well I wAs in a car accident and the insurance paid the car then the finance company took the car sold it and never took that amount they received and credited it to the account they are also reporting the account as being opened XX/XX/2019 and a new debt owed when it is false they are not reporting the accurate dates or monies owed from either accounts which goes against my rights. I have sent numerous letters and made several calls and still it is being reported on my account fraudulently. My car loan was not opened XX/XX/2019. Please help me thank you
Consumer complaint received 2019-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STERLING JEWELERS, INC. (DC)

I made arrangements with XXXX XXXX XXXX once I received the debt validation notice. I set up payment plans and made the payments starting in XX/XX/2019. I am on my last payment, and they just posted the account to my credit file as a collection account in XX/XX/2019. 

My understanding is that since we made a payment arrangement for the debt before the thirty day  validation period, there would not be action taken to my credit file. 

I feel that their tactic of allowing a payment arrangement and only posting the collection to my credit file once I am one payment away from completing the agreement.