davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CA)

PLEASE SEE RECENT ADDITIONAL RELEASED OFFICIAL DOCUMENT FROM THE LAW ENFORCEMENT AGENCIES SINCE I WAS A VICTIM OF GROSS FRAUD. FRAUD COMES IN DIFFERENT SHAPES AND FORMS, NOT ONLY IDENTITY THEFT. The fraud that I had been a victim of was not under the category of Identity Theft. It was much bigger crime which I had been a victim of that the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim. 

The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXX XXXX Police Station, Fraud Department in California : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. Also, please see attached copy of an actual Police Report that they released to me which was approved by Detective XXXX when I picked it up from the XXXX XXXX Police Station last month. Then, the FBI XXXX XXXX named Special Agent XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. He called me on the phone and interviewed me for about XXXX hour and XXXX minutes.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A. State 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 CONSENT.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contain any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Social Finance, Inc. (PA)

XX/XX/2022 : Sofi sent an e-mail of {$20.00} bonus for viewing mortgage rate ( attached ). On the same day, I applied through the link provided in the e-mail, consented to soft credit check, and received few mortgage rate offers ( and multiple phone calls from mortgage agents ). Mortgage rate offers are attached. 
XX/XX/2022 : Inquired to Sofi about the bonus, and was advised that it would take 7 days to be deposited. 
XX/XX/2022 : Inquired to Sofi, was asked when I did view my rate ( which I responded right away that it was XX/XX/2022 ), and no response. 
XX/XX/2022 : Inquired to Sofi, was told that I have to apply via provided link, and have Sofi checking and savings accounts ( which I do have since XX/XX/2022 ).
Consumer complaint received 2022-07-11
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, with 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 an account without my written instructions
Consumer complaint received 2022-03-30
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Nelnet, Inc. (DC)

I am writing this letter in regards to student loans matters under my name XXXX XXXX. The student loan offices used deceptive practices to administer student loans at their schools. The private institution had stated student loans would be and could be used for books, housing, meal plans and other personal expenses.I live in transitional housing the department authorized several student loans in my name from the administration to my the student per request that these funds could be used for such expenses in which I did. I worked my jobs and needed money for my uniforms and clothing as per apart of the request of these work locations. Im asking the review of my student loans and per the XXXX look at XXXX XXXX deceptive practices to give out student loans to their students. I look forward to your swift investigation.
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I have already disputed the initial letter that I received from this debt collector thru on the phone and with certified mail. Please STOP sending me repetitive letters to collect debt over and over. I have a lot of pain and suffering already since last year I had been scammed big-time. The detective 's name that handling my fraud case on XXXX XXXX, XXXX from the XXXX XXXX Police Station in California : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. 

Then, the FBI XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. One of the FBI Special Agents called me on the phone and interviewed me for about XXXX hour and XXXX minutes. 

Please see attachments as evidence. 

If you need any more evidence from me that I got scammed big time, please let me know or feel free to reach out with the XXXX in XXXX XXXX, California whose handling my fraud case currently. 

Thank you very much for your understanding and consideration, XXXX XXXX
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian has not due its due diligence in accordance to the FCRA, they are simply parroting information from their XXXX system. 
I have contacted the original creditor ( OC ) per Experian, the OC is XXXX/XXXX # XXXX.The OC has furnished a letter to me, in turn I have furnished the letter to Experian during the dispute process, the letter categorically states " XXXX has NO APPLICATION/CONTRACT ON FILE FOR THE ALLEDGED ACCOUNT ''. 
Therefor this alleged account DOES NOT ARISE FROM A CONSUMER CONTRACT PER THE FCRA. 
Experian has blatantly continued to violated 15 US 1681 of the FCRA and should sanctioned
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (PA)

Ive paid my past due XXXX XXXX bill in full after agreeing to a for deletion with the collection agency RPM. Ive tried countless time for someone from their company to rectify this matter but no one will hear me out. They purchased this debt in XX/XX/2014 from XXXX XXXX.
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

My credit report indicates a late payment for XXXX. All payments were made on time, and there was no balance in XXXX. They failed to process a payment in XXXX/XXXX but are claiming I am responsible for this.
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit report indicates a late payment for XXXX. All payments were made on time, and there was no balance in XXXX. They failed to process a payment in XXXX/XXXX but are claiming I am responsible for this.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2XXXX I used the Chase ATM on the street. On XXXX XXXX XXXX XXXX XXXX XXXX, the phone showed Chase Bank, called me and claimed that an unauthorized transaction happened. The woman on the phone said she was the staff of Chase Bank and had all my information ( including address, account number, etc ). She said she is trying to help me. Then at XXXX, there are three ATM transactions happened. I called Chase Bank fraud apartment immediately. Chase Bank gave me temporary credit and began the investigation. On XX/XX/XXXX Chase Bank closed the investigation and believe that the transactions were correctly processed and authorized. They will remove the temporary credit.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are credit inquiries on my report from XXXX XXXX that I did not apply for and I did not authorize this company to pull my credit report.
Consumer complaint received 2019-05-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

National Credit Systems XXXX XXXX XXXX XXXX GA XXXX Account XXXX submitted a false and frivilous account based on misleading information from Creditor -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I terminated application process with apartment mgr XX/XX/2018. I never signed actual leasing papers and never submitted a deposit because XXXX who was acting on behalf of the properly verbally terminated the application process. At that time, she instructed me that the process was complete and nothing else was required on my part. I have several voice mails from her indicating all of the above actions. To add I never had keys nor did I ever take physical possession of any units because XXXX was acting on behalf of the leasing agent and again terminated all associated actions. I have reached out to XXXX XXXX XXXX  and phonetically and thru certified mail and they have purposely refused to communicate with me. However, National Credit Systems have and they are aware that they made have been misled when they assummed the account as there never should have been an account from the start.
Consumer complaint received 2018-11-06
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 — Investigation took more than 30 days
Company: COMMERCE BANK (AR)

COMMERCE BANK PROMISED TO COREECT ALL LATE PAYMENTS ON SAID ACCOUNT NO.XXXX, AND UPDATE ALL 4 BUREAUS TO REFLECT CLOSED, PAYING AS AGREED, NEVER LATE. PLEASE CORRECT TODAY OR DELETE ACCOUNT FROM ALL BUREAUS OR?
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (PA)

Dir Sir/Madam Have A Great Day This is the fourth time complaint to remove 2 unauthorized hard inquiry from XXXX   Agency and after submitted them letter you were provided they didn't want to remove them so i'm ask you please contact them to remove this unauthorized hard inquiry impact my credit score and report Citibank Na, XXXX XXXX  XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2022-07-11
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. (SC)

XXXX XXXX A Last reported XX/XX/XXXX {$92.00} XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original creditor name XXXX XXXX XXXX In accordance with fair credit reporting act convergent account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have 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 instruction.
Consumer complaint received 2022-03-30
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. (SC)

I have sent in several of letters into the credit reporting agencies about the different discrepancies, also i have sent letter about then provide original contracts, and requests was hippa .The name of the collection is XXXX XXXX XXXX XXXX  XXXX the amount is {$800.00} and XXXX XXXX XXXX the amount is {$410.00} the credit reporting agency still will not update this information on my report. The credit reporting agency is TransUnion XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

US DEPT OF EDUCATION ACCOUNT # XXXX Is incorrectly reporting as a collection. 

XX/XX/XXXX I started a rehabilitation program with XXXX XXXX and completed the program XX/XX/XXXX. I was told that my account will show in good standing after completion of the program. It has now been 6 months and I have been denied from buying a home because of this issue which is wrong. Every month should show up as " XXXX XXXX '' since XXXX of XXXX. 

Not to mention, According to the CARES ACT and President Bidens extension of student loan payments, those who were in default are not obligated to pay until XXXX of XXXX. So why is this affecting my credit report?
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Equifax, XXXX, and XXXX have continually violated the FCRA and my rights from providing my credit report to unauthorized agents, to providing negative remarks on my credit report that are not factual, to stating that all accounts are paid timely one month to having 3 accounts with negative payment histories the next month with NOTHING CHANGING.

When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur?

Reporting a debt as charged off, when it was settled or paid off.

Reporting late payments when your payments were timely.

Reporting old debts as new ones.

Reporting that an account was active after it was voluntarily closed by a consumer.

Failure to report that a debt was discharged in bankruptcy.

Reporting information that is more than seven years old ( when XXXX XXXX bankruptcy notices should lapse ) or 10 years old ( XXXX  XXXX bankruptcy ). 
Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ). 

Mixing Files Mixing files with someone else who has similar background information ( sometimes as careless as failing to distinguish the XXXX and XXXX in similar surnames ). I have repeatedly sent my information regarding my correct name, address, and spelling on my name to no avail. 

Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. Sometimes, agencies fall short in these areas. 

Debt Dispute Violations for Creditors Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported, conduct an internal investigation of disputes within 30 days and provide a reasonable procedure to submit a written dispute or report of identity theft, which THEY DID NOT!!! 

Privacy Violations Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I am attaching a letter of explanation on several issues with accounts, XXXX to be exact. One account I was never late on. Three accounts that are labled charge off with balances still owed and I know that is not accurate. I never recieved a 1099 for those so how can a balance be owed. Also an account that is not mine I have no idea why it is on my credit I have rights and want these items to be deleted.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

US DEPT OF EDUCATION ACCOUNT # XXXX Is incorrectly reporting as a collection. 

XX/XX/XXXX I started a rehabilitation program with XXXX XXXX and completed the program XX/XX/XXXX. I was told that my account will show in good standing after completion of the program. It has now been 6 months and I have been denied from buying a home because of this issue which is wrong. Every month should show up as " XXXX XXXX '' since XXXX of XXXX. 

Not to mention, According to the CARES ACT and President Bidens extension of student loan payments, those who were in default are not obligated to pay until XXXX of XXXX. So why is this affecting my credit report?
Consumer complaint received 2018-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (NJ)

I fell behind in my mortgage payments due to the divorce and separation with my husband. After going through the court process in XXXX, the mortgage company was willing to work out an informal agreement. I had to pay {$1000.00} down and then pay $ XXXX  monthly. On XX/XX/18 my {$1000.00} check posted to XXXX XXXX, XXXX. I then paid $ 350 monthly. At my last court date on XX/XX/18 the Attorney from the law firm representing XXXX XXXX was unable to provide my correct loan number for my account. It was said this didn't matter but to just continue making the {$350.00} payments to remain in good status. I have had problems with this mortgage company and the lawfirm throughout the whole process. 

On XX/XX/18 I was emailed from XXXX at SN Servicing Corporation saying the bank needs the {$1000.00} and the {$600.00} payment. I immediately got scared because I had already made that payment and felt like I was getting scammed. I am hoping the CFPB can look into this because I have already signed an agreement and have proof that I paid {$1000.00}.
Consumer complaint received 2023-04-06
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. (SC)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-30
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. (LA)

XXXX, XXXX, and Transunion have continually violated the FCRA and my rights from providing my credit report to unauthorized agents, to providing negative remarks on my credit report that are not factual, to stating that all accounts are paid timely one month to having 3 accounts with negative payment histories the next month with NOTHING CHANGING.

When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur?

Reporting a debt as charged off, when it was settled or paid off.

Reporting late payments when your payments were timely.

Reporting old debts as new ones.

Reporting that an account was active after it was voluntarily closed by a consumer.

Failure to report that a debt was discharged in bankruptcy.

Reporting information that is more than seven years old ( when XXXX XXXX bankruptcy notices should lapse ) or 10 years old ( XXXX  XXXX bankruptcy ). 
Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ). 

Mixing Files Mixing files with someone else who has similar background information ( sometimes as careless as failing to distinguish the XXXX and XXXX in similar surnames ). I have repeatedly sent my information regarding my correct name, address, and spelling on my name to no avail. 

Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. Sometimes, agencies fall short in these areas. 

Debt Dispute Violations for Creditors Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported, conduct an internal investigation of disputes within 30 days and provide a reasonable procedure to submit a written dispute or report of identity theft, which THEY DID NOT!!! 

Privacy Violations Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial.