davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX  Account # 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 2021-11-06
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. (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX - XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX, XXXX  Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX - XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2020-07-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX, XXXX, and again at the beginning of XXXX I submitted paperwork directly to the bureau not only from the court, but also from XXXX XXXX, and XXXX  .... all showing that the bankruptcy listed on my credit report should be removed. Each time submitted i have received a " canned '' response from the bureau without one once of proof of this public record being filed by me, with any signature, with any paperwork, with any address ... no proof. This has been requested on multiple occasions although i have provided proof myself that the bk are not mine. Ive wrote, faxed, and called with no error being fixed. 
I know the response is canned and standard that i receive due to the bureaus saying it was verified to THEIR company citing the exact places that ive sent them directly. Its insane.
Consumer complaint received 2022-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

On XXXX XXXX, 2022, I logged into my Nelnet account to set up a recurring payment ( " auto debit '' ) for my student loan. I noticed that the " amount '' field was set at the minimum payment and was not editable. I wanted to set up a higher payment than the minimum to avoid paying so much interest. The Nelnet website repeatedly references the possibility of " requesting '' a higher monthly payment but offers no instructions or links to do so. I made XXXX calls to Nelnet customer service. The first representative asserted that it was not possible to change the amount, but suggested setting up an additional monthly payment -- then acknowledged that doing so would harm my credit score. The second representative looked into the problem and suggested that it should be possible to edit the amount when setting up the auto-pay ( though it was still uneditable on my end ) and alternatively suggested setting up the auto-pay with the minimum monthly payment and then re-logging in to edit the payment amount once it had been set up. I attempted this but was still unable to edit the payment amount. I am concerned that this setup is trapping loan payers in low, long-term payment plans that maximize the interest paid. If Nelnet receives compensation or part of/all of these payments, that seems like a predatory scheme to me. The manual option ( logging in every month to make an individual payment ) seems much more prone to user error. Could someone please assist me in investigating this?
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Contacted Experian on XX/XX/15 about incorrect names and inquiries on account.. These items I did not authorize use to inquire or request any type of service. I disputed these items over the phone with a customer service representative. Was asked full name, customer representative spelled my name incorrectly, did not ask the correct spelling and placed incorrect information on credit report.. In addition, it took them less than 24 hrs to state the information provided was correct that I was disputing.. I feel racially profiled and did not get the thorough investigation needed to have these items removed from my credit report.. I take responsibility for those items that are correct and feel violated that misinformation can stay on my report after disputing this misinformation..
Consumer complaint received 2022-02-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION (GA)

I have Paid ( Settled ) this Account that XXXX XXXX  XXXX Charged Off. They mentioned that if I paid what was Owed it will be Removed from my Credit Report and it is still showing on my Credit Report! 

P.S. I am providing a Letter as Proof that the Account has been Settled.
Consumer complaint received 2022-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas) (FL)

Consumer Finance, On my 3 credit reports there is an unpaid collection account for {$240.00} by Berlin-Wheeler , Inc.. 

This was paid on XX/XX/2022 and attached you will have the receipt- they agreed for a " pay to delete '' and it was to be deleted from all 3 credit bureaus. 

I have contacted Berlin-Wheeler, Inc. as well as the original creditor, XXXX XXXX XXXX and the 3 credit bureaus since then, with documented proof, it has been paid, and to delete as that was the agreement. 

The collection agency blames the 3 credit bureaus, the 3 credit bureaus blame the collection agency, and I want this to be reflected as paid and deleted - I have requested this for going on 90 days to be fixed. 

In addition, the same companies, put on a duplicate collection, as unpaid, then moved to paid, and then removed - as we agreed - yet this one remains! 

Its a simple fix - simply remove as it was a duplicate and should not be there- we agreed to a pay to delete and that needs to be done. 

I am beyond frustrated as this is damaging my credit. 

I have paid the collection, provided proof, and it should reflect accuretly on my credit reports.
Consumer complaint received 2021-04-12
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ALLY FINANCIAL INC. (CA)

I have been an Ally Financial customer since XXXX of XXXX. I am paying over {$33000.00} for a car worth {$10000.00} but have made 30 consecutive payments out of 72, with 42 remaining. Due to the pandemic, I have requested a payment deferment. I received an email dated XX/XX/XXXX from XXXX  Executive Customer Services Ally Bank. The email simply stated more information and a resolution to come. I had heard or received nothing else by XX/XX/XXXX, so I called and spoke to XXXX. I was immediately accused of " hiding the car '' which I have never done in all my life. I was told that I could face repossession even if I am only a few days late on payment because I Owe so much. Told that " we all got together and decided that we were not going to help you '' and will now report to all credit agencies although you state this was a mistake. We don't care that there is a pandemic and 'for some reason when we report it drops a credit score by 47 points. I was told I had had too many deferments. And he was sending me a letter that day regarding what would be done. I received the paperwork via mail dated XX/XX/XXXX stating I was " supposed '' to have received but I have never seen it before.
Consumer complaint received 2022-02-17
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-12
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. (IL)

1. This does not belong to me. 
XXXX  XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. I made a copy of my report, see attachment.

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2022-02-17
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. (CA)

On XXXX I initiated a dispute with Equifax representative XXXX ( # XXXX ) requesting an investigation into the XXXX XXXX XXXX account being reported inaccurately on my Equifax credit report. As of XXXX, I had not recieved a response from Equifax re : my dispute and the 30 day allotment given for the investigation had passed. Because I had not recieved a response from Equifax, I took the liberty of checking my credit report to see if changes had been made based on my dispute. Upon checking my credit report, I noticed not only had there been no changes made on the account that was supposed to be investigated, the account was not even marked as disputed so it appeared as if no transaction had happened on the account at all and Equifax elected to not investigate the account I had disputed. Based on Equifax 's lack of action, I decided to send a certified letter with a return receipt requesting their method of verification and proving they actually conducted an investigation into the account I was disputing. As per the FCRA, Equifax had 15 days to respond to my letter. It has been 15 days and I still have not recieved any response from Equifax, not for my original dispute, nor for my request for their method of verification. It has now been 60 days since I initiated a dispute with Equifax and I have yet to hear back from the bureau, and the inaccurate account remains on my credit report. I do believe this is a direct violation of the FCRA and my consumer rights were violated as well. Equifax was not in compliance with federal law and I do not believe Equifax ever conducted an investigation into the dispute I initiated in XX/XX/2021.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (MI)

In Accordance with the Fair Credit Reporting Act XXXX  Account 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 2018-05-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Since the end of XXXX I have been getting harrassing phone calls from collections agencies.Needless to say I have an account that seems to be with three different credit collection agencies. YES!!! I tried calling the original debtor to resolve the matter. They had deemed it a write off. So a five year old debt is with 3 different collection agencies and all three appear on my credit report and I can not seem to get it off. 

However this one company started calling me and leaving messages stating they worked for the courts and were coming to arrest me. What they didn't know is I am of low level law enforcement and told them to stop calling me or I would take legal action. This strategy stopped and then they called introducing themselves correctly but they would call me at my work and on my cellphone three to four times a day. This one particular day in XX/XX/XXXX I received a call at my work where the woman stated she had an important call for me and with my permission she would transfer the call. I accepted the call, a woman came on the phone stating she was attempting to collect a debt. I asked what company she was with and after receiving the name of one of the collection agencies I told her to stop calling me. She hung up the phone abruptly and then my cellphone started ringing immediately after that, I picked up and the same woman from the same collection agency that I just told to stop calling me was on the my cellphone!! She stated " Can I call you on this phone number? '' and immediately hung up. 
I was furious, the nerve. So I sign up with a credit repair company and had them send cease desist letters to all these collection agencies. All but one stopped calling me and its the same rude agency that keeps calling me. Even thou they call once a week they still call use different phone numbers. After realizing the cease and desist letters were not working I decided after I received a call at my job again to ask for a supervisor. I was hung up on five times. When I did reach a supervisor He told me they would NOT stop calling me. He confirmed they received my letter but would not stop calling me.
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (PA)

This company is using auto dialer to repeat calling my cell phone that I never gave to them.They are illegally collecting on a debt that is not mines and the harrassment needs to stop.I am ordering them to cease and desist as of now. I have no idea who they are dis not give out my cell phone to be XXXX  by auto dialer I will sue if I need to.And will be showing an Fdcpa attorney there letter.I already had a cease letter with the original creditor and I will take steps to sue. I filed with ftc due to this auto dialer.This debt is not mine so stop the harrassment. I had been harrasses to much. Someone stole my person information and now im constantly dealing with bogus debt collectores so do not call me nor write to me or harrass me or I will sue.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (CO)

Synchrony Bank of XXXX Florida has sent me letters concerning my application for four different accounts. They have turned them down and notified me of the actions. The problem is that someone else has submitted the applications claiming it was done jointly with me. I have never done any business with that bank. They try to avoid providing me with any information about the crook involved. The name might be XXXX XXXX. 

There have been previous attempts to steal my credit cards from banks that I use. One stated the card had been lost and a new card should be sent to XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. Another used a XXXX XXXX Address. 

Hope you can catch the crook.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Complaint Against Apple Card - GS Bank for Violation of Consumer Credit Laws To Whom It May Concern, I am writing to file a formal complaint against Apple Card, issued by Goldman Sachs Bank ( GS Bank ), for violations of several consumer credit protection laws, specifically regulations under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). My complaint pertains to the following provisions : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Concerning the requirement to cease communication under certain conditions.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Regarding the prohibition of deceptive or misleading representation in connection with debt collection.

3. 12 CFR 1006.34 ( d ) - Pertaining to the use of unfair or unconscionable means to collect or attempt to collect any debt.

4. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) - Relating to the direct dispute of inaccuracies with furnishers of information to consumer reporting agencies.

I believe that the conduct of Apple Card - GS Bank has violated my rights as a consumer in the following ways : [ Describe the specific nature of your complaint here. Include dates, details of any communication with the bank, how you believe they violated the laws above, and any consequences you have faced as a result of these actions. ] Despite my efforts to [ resolve the issue directly with Apple Card - GS Bank/ dispute inaccuracies / request cessation of communication ], the bank has [ failed to comply with my requests/ continued to engage in practices that I believe are in violation of the above regulations ]. This has resulted in [ describe any damages, such as harm to your credit score, undue stress, financial loss, etc. ].

I have attached supporting documents which include [ any correspondence with the bank, records of communication, credit reports, etc. ] that substantiate my claim
Consumer complaint received 2022-02-17
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. (GA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-16
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. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX bank Acct # XXXX {$170.00} $ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$1600.00} $ XX/XX/XXXXXXXX XXXX XXXX  Acct # XXXX {$790.00} $ XX/XX/XXXXXXXX XXXX XXXX Acct # XXXX {$680.00} $ XX/XX/XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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 2022-02-17
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. (CA)

In due of respect XXXX, XXXX and Transunion I like to purchase a new home in XXXX, California but because of credit reporting Agencies. 
I am having some issues because of Derogatory Remarks on my credit reports. 
1.XXXX  XXXX Services Charge off of {$11000.00} this vehicle was returned to lender and Lender Sold it in 2020. A Natural Disaster of Covid19 Pandemic/ XXXX  Financial Hardship 2XXXXXXXX XXXX XXXX  Charge Off of {$6000.00} vehicle was returned and Lender Sold it. Natural Disaster of Covid19 Pandemic/XXXX  Financial Hardship 3.XXXX. Charged Off of {$6000.00}. Natural Disaster Covid 19 Pandemic /XXXX  Financial Hardship.

Lender didn't want to agree on payment arrangement of {$7000.00} a month so they went ahead put account as Charged Off.

4XXXX XXXX XXXX XXXX  balance is Zero, 5.XXXX XXXXXXXX XXXX XXXX XXXX Balance is Zero 6.XXXX XXXX XXXX XXXX Balance is {$190.00} 7.XXXXXXXX XXXX  Balance is 300.. { Derogatory Remarks of Late Payment is not accurate as I never been late on payments.I filed complaints against Company and they Retaliate against me because of National Origin as a XXXX XXXX XXXX. 

Current Balances as of XXXX and my credit utilization is under the 26 % -21 % -Percents.. 

I am XXXX XXXX, Retired and a XXXX XXXX XXXX XXXX Veteran With Honor and Respect Always.