davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (NY)

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (DE)

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX $ XXXX XXXX XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I have respectfully requested for XXXX, TXXXX and Equifax to remove bankruptcy on my credit report. 

It appears that XXXX has removed Bankruptcy from my credit Report. XXXX has not sent me a verification of bankruptcy removal.
Consumer complaint received 2022-10-15
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: Experian Information Solutions 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  : account number XXXXXXXX XXXX  : account XXXX XXXX, XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : account number XXXX, XXXX/FED LOAN SERV : account number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX : account number XXXX, XXXX XXXX XXXX : account number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (IL)

XX/XX/XXXX I sent a follow up email, from a phone conversation, where I said I could not pay the nearly XXXX XXXX  monthly loan amount. I was told by several reps that Firstmark did not own my loan and to talk to my original lender. XXXX XXXX sold my loan to Firstmark and I was attempting to negotiate better terms. 

XX/XX/XXXX I had to send my account information several times ( at least two ) which I believe delayed the process of trying to get any sort of relief instead of them responding to my requests XX/XX/XXXX I asked Firstmark who was my lender again, having been given various different answers ( over the phone ) XX/XX/XXXX They finally stated that they own my loan but must service it according to my original loan terms XX/XX/XXXX I was notified ( on the phone several times prior to this date ) that my forbearance period was capped at 12 months. I sent my original promissory note from my original lender asking where I agreed to those terms. 

After speaking to a rep on the phone sometime later, she admitted that it was weird that that is not directly stated in my promissory note. I believe Firstmark records their calls so hopefully there is a record of this, on their end. I only have record of email communication so I understand outside of that May fall under the scope of he said- she said. 

The did not respond to my inquiry, instead they send a reply stating that I owed on my loan. I replied on XX/XX/XXXX asking them to answer my inquiry. 

Outside of email threads, I called Firstmark attempting to get some relief before my credit was adversely effected. I was eventually escalated to a supervisor who was able to contact my lender and ask for additional forbearance, they declined. I asked for a direct contact to them in case I needed to involve a lawyer and I never heard back. 

I asked her to document on my account not calling until after business hours because I am a teacher and the harassing calls multiple times a day interrupted my lectures. Despite this request the calls continued. The were distracting and were followed up by several automated emails. ( Again I hope this is documented on their end ) I called again at XXXX on XX/XX/XXXX advised that I have one month of forbearance remaining Waiting for approval ( these are the exact notes I wrote in my phone, word for word ) If approved, this would bring my loan current ( according to the advisor ) which I had hopes up so I could begin rebuilding my credit. 
I was later ( almost immediately ) declined and the reason was no forbearance left. This letter is in my Firstmark online account. 
So again, they gave faulty information Firstmark has several negative reviews on XXXX and XXXX. If anything can be done to improve their training and practices several people ( myself included ) will greatly benefit.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NY)

I Make payment 's from the same bank account XXXX bank ) every month in full on my Wellsfargo Credit Card. Now a days it taking them 5 or 6 days to credit my credit card. On XXXX XXXX I made a payment in full it was taken out of my XXXX checking account. But it XX/XX/2021 and it's still not credited to my visa credit card. Help
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

A personal loan just appeared on my credit reports showing a delinquency date of XX/XX/XXXX. I have not done business with this bank in past 8 years. This information is inaccurate, and I request it be removed from all credit reports. My credit reports show a loan date of XX/XX/XXXX and amount of XXXX and a delinquency date of XX/XX/XXXX. Again, this just appeared on my report and is 8 years old according to the date they reported.
Consumer complaint received 2022-04-12
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)

I XXXX XXXX XXXX, With no THIRD PARTIES INVOLVED have disputed with Transunion and was delivered an Affadavit of identity theft on XX/XX/2022, along with a written statement with NO THIRD PARTIES ARE INVOLVED!!!!! With a printed police report and all documents were NOTARIZED by the county 's notary. Please see attachments. They have 4 days from the date of receiving my dispute to BLOCK all fraud accounts reporting. According to title 15 usc 1681 C-2. Non compliance title 15 usc 1681N, is also a violation. see attachments.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BOA had me on a keep the change I had called several times to ask me to remove this they continued to move money from checking to saving daily whenever a transaction was made and then I would move it back and call them I was told that this had been taken care of just like someone was supposed to change my acct to the safe balance and they did not took several calls they have since charged me XXXX and when I called them they responded that they would not reverse the charges. I am not willing to pay a fee for keeping my checking acct from being over drawn they have since turned off the keep the change. They said I signed up for this years ago and I advise I had ask them to remove it before now due to COVID and my medical and financial situation. I medication I need to be buying XXXX XXXX XXXX XXXX in XXXX I have XXXX I need to wear the next XXXX mos. so I do not have money to give to a bank. Also during COVID they closed my business acct without telling me why and sent me to XXXX XXXX  and when I tried to address this with them they I have been blown off XXXX XXXX answers the phone but the amount they reported was in correct and there was money in another acct that this could be been cleared up they need to remove me from XXXX XXXX this is affecting my business, credit and ability to reopen my business since COVID I think closing my acct in the mist of COVID was a horrible decision for a small minority business and being a woman makes me a double minority. I have been through it with BOA and they really need to stop picking on the little people nickeling and diming along the way every little bit count these days please correct these action remove me from XXXX XXXX for I was not aware of this amount being owed and was not granted a proper notice to clear it up on my own. I am still banking with BOA with personal accts I do not want any retaliation for this complaint the XXXX fee has cause an overdraft please correct this. My cleaning company is XXXX XXXX XXXX
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX - XXXX $ XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX $ XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Consumer complaint received 2018-07-13
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. (GA)

I am filing this complaint because TransUnion had a computer glitch that caused my inquiry to be deleted and then they later re-added the inquires without providing me with the legally required written notice five business days of the reinsertion ( FCRA Section 611 5 ( b ). I contacted TransUnion on XX/XX/XXXX @ XXXX XXXX EST and spoke with XXXX XXXX XXXX a customer service representative who were unable to confirm that the Security Breach happened not once but twice in XX/XX/XXXX and XX/XX/XXXX. In good faith, I asked her to have the inquiry removed due to it being illegally re-added. However, she refused to fix their error on my credit report. I then asked to speak with someone in the Special Handling department and and I spoke with XXXX XXXX XXXX a supervisor around XXXX XXXX  EST and she said she wasn't aware of a computer glitch and could not help me, So I said thank you and hung up the phone. I then called back around XXXX XXXX EST and spoke with XXXX XXXX XXXX  a customer service representative who did confirmed that TransUnion had computer glitches in XX/XX/XXXX and XX/XX/XXXX. In good faith, I asked her to have the inquiry removed due to it being illegally re-added. However, she refused to fix their error on my credit report. I then asked to speak with someone in the Special Handling department and I spoke with XXXX XXXX XXXX a supervisor around XXXX XXXX EST and she also confirmed that there was computer glitches in XX/XX/XXXXand XX/XX/XXXX and In good faith, I asked her to have the inquiry removed due to it being illegally re-added. However, she refused to fix their error on my credit report, So I said thank you and hung up the phone. These inquiries adds a hardship to me and my family and my rights were violated by TransUnion. This is suppose to be a respectable Credit Reporting Agency yet they are violating consumer rights and victimizing us. This company should not be able to get away with this. I'm asking that CFPB help me make TransUnion stop victimizing me. I'm asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added. PLEASE!!! Thank You.
Consumer complaint received 2022-04-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK (CT)

XX/XX/2020, I had sold my house under the representation of my realtor and attorney. ( joint with my ex-husband ). 
Two years later, HUD states we owe them over {$16000.00} including fees and interest. Originally {$11000.00} and they had sent wage garnishment without contacting either myself or my ex. 
After research, I found out that HUD was sending letters to the old address of which we sold the house. I have been in communication with HUD. I have sent in a letter for an appeal, all the proofs I had from the sale of the house and my address change information including mail received with the new address. I have given HUD a full explanation of our account. I have also contacted the mortgage company and have not received reasonable action. 
My attorney and myself have received the title and payoff letter from Midland stating " XXXX balance. '' This is a clerical issue on Midlands behalf and I will not be responsible for their operational errors.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I sent letters in XXXX, XX/XX/XXXX XXXX XXXX asking them to verify these bankruptcy accounts, they have sent letters saying the bankruptcies were verified by XXXX XXXX which is false because XXXX XXXX do not have these bankruptcies list on my report. I provided letters from XXXX stating these were removed in XXXX of XXXX because they could not verify that these belonged to me. XXXX, XXXX and Equifax are continuing to report false information on my report which is hindering me from buying a home and getting the credit I need to better my life. I have sent in letter from the courthouse several times stating the information is indeed not being verified by them.. A rep from XXXX even told me I need a lawyer to sign the letter from the courthouse! XXXX have disputed the information in my behalf from the credit bureaus telling them they are not reporting this information but yet all the CBA are falling saying XXXX are verifying these accounts. Ive called several times and asked them to remove them from my report and the lie and say they are being verified, even after they see the letters I sent! I want these bankruptcies removed from my credit report.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (CO)

I am writing to bring to your attention a matter of significant concern regarding the unauthorized furnishing of my accounts to consumer reporting agencies by your corporation. As of [ Date ], I have discovered that several accounts were reported without my permissible purpose, leading to a violation of my privacy rights as protected under 15 USC 1681 ( a ) ( 4 ). 
It is imperative for you to understand that I did not grant authorization for these accounts to be disclosed to any consumer reporting agency. Therefore, the actions taken by your corporation not only breached my privacy rights but have also caused me considerable mental and financial distress. 
I would like to draw your attention specifically to 15 USC 1681a ( 2 ) ( I ), which stipulates that any transaction or experience lacking permissible purpose should be excluded from my consumer report. The accounts in question clearly fall under this provision, and I expect immediate action to rectify this egregious violation. 
I demand that you take the necessary steps to remove these unauthorized accounts from my consumer report and ensure that no further unauthorized disclosures occur in the future. Failure to comply with this demand may result in legal action to seek remedies for the damages incurred. 
I anticipate your prompt attention to this matter and a swift resolution. Please confirm in writing the actions you intend to take to address this issue. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX Accounts I would like deleted off the consumer report XXXX  XXXX XXXX XXXX ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Traded car in for a better vehicle and loan. Called credit acceptance on XX/XX/XXXX. Was told that my account is closed and payments will reflect paid off on credit report. Also was advised I would receive gap coverage back that was required to purchase and was canceled XX/XX/XXXX. Along with return if rebate. I reached out and no one seems to know what I am talking about. The portal days closed on their website. Yet all XXXX credit reports are hurting showing open and late.
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tulsa Adjustment Bureau (OK)

I noticed a derogatory mark due to account in collections this month ( XXXX of XXXX ) of which is for a supposed charge from XXXX of XXXX, nearly 4 years ago. Of which in the last 4 years, I have not received any notices or communications that I am in collections. The charge is of a very minimal amount, one that would have never gone to collections. My standing credit score is in the mid XXXX 's, with no late or missed payments, and this is extremely out of the norm as well as not to mention the fact that I have received zero communication in the last 4 years about this supposed debt of mine. 
The original debt is supposedly from XXXX XXXX XXXX, of which I do not remember ever going to or getting a bill from, which then sold the " debt '' to XXXX XXXX in XXXX, OK, of which have not contacted me regarding this, and then 4 years later decided to run it on my credit report.
Consumer complaint received 2022-04-12
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 The Creditor : XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : 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