davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

I paid off a fee owed to my bank last year and its shown up on my credit report as " open ''. I 've checked with the bank, and i 'm squared away. They 're not sure why it 's on my credit report and I 'm not sure why either. I 'm worried this has affected my credit score. Please help, thanks.
Consumer complaint received 2022-10-07
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union, without notice to its customers, ceased crediting accounts with deposits from check under XXXX XXXX dollars. Furthermore, they have delayed deposits more than one processing day as per their agreement. I have also found that they do not reverse or seek to assist customers with debits that are in error. Most recently, NFCU allowed for a canceled set of payments to disrupt my bank draft that has been processing for more than two days.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

To whom it may concern, I have obtained my credit report and notice that there is unauthorized information in my name being used on my consumer reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my consumer reports. I believe I may be a victim of identity theft. I have a security lock on my consumer report, and I was not alerted to this information being authorized on my reports and I am demanding that they be deleted/removed from my consumer report as soon as possible. These items are fraudulent, and they have negatively impacted my relationships with creditors and caused mental anxiety. I reached out to XXXX, Experian, & XXXX about these matters on numerous occasions requesting TO SEND ME EVERY DOCUMENT PERTAINING TO THESE ENTRY THAT YOUR AGENCY USED TO VALIDATE THIS DEBT. The only response I have receive from these agencies is this debt has been validated or verified and will remain on your consumer report with no documents or proof provided. Please investigate these matters and remove/delete the disputed items, as soon as possible Thank you. These are clear violation of my federally protected consumer rights according to the Fair Debt Collection Practices Act and Federal Credit Reporting Act below is a list of laws that have been violated. 15 usc 1681 c 2. 15 usc 1681 b ( a ) ( 2 ). 15 usc 1681 a ( k ) asa ( iii ). 15 usc 1681 ( a ) ( 4 ). 15 usc 1692 d ( 1 ). 15 usc 6802 ( b ) ( 1 ).
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/21 I deposited a check issued by XXXX on behalf of XXXX for a settlement i received. The check was for XXXX. The following morning the full amount was available and reflected in my balance. I decided I go look at some used cars as the settlement was from a car accident where I was rear ended. I contacted wells fargo around XXXX and asked to have my daily purchase limit changed to XXXX so I could purchase a vehicle. The rep said that was fine and said I could go as high as the available balance which was around XXXX, I told her the XXXX would be enough and went about my day. About 30 min after the call I logged back onto my acct and noticed the check was no longer reflected in my balance and was now on hold. I called Wells Fargo and was told that the issuer of the check had flagged it for some reason. I was told to contact the issuing bank. The following mon XX/XX/21 I reached out to XXXX who reached out to their bank ( XXXX ). The following Tuesday XX/XX/21 i received a high alert email from Wells Fargo saying the check was being held for " confirmed fraud '' I immediately called Wells Fargo and was told that the issuing bank ( XXXX ) had returned the check for fraud and that it would be held until the XXXX because there would be another attempt to process it on the XXXX at which time if it is still flagged it would be returned. The next morning XX/XX/21 i received an email from XXXX  that included correspondence with XXXX. XXXX stated the check was never flagged, it was never returned and that it was processed and the funds had been released to Wells Fargo as of that Mon XX/XX/21. XXXX included the ledger showing the funds had been released and that Wells Fargo had the money since XX/XX/21. I contacted Wells Fargo again and asked to speak to a higher up. The rep I spoke with confirmed that Wells Fargo had the funds and he did not understand how the check could have been flagged for fraud when the funds were already released. He also said he did not understand why I was being told to contact the bank that issued the check when they released the funds immediately and had placed no holds or disputes. Here we are a week later, my funds are still being held, I've missed out on 3 really good deals for cars and I'm beyond mad. I have copies of the correspondence from XXXX XXXX including the ledger showing that the funds were released immediately and there had never been a hold or flag for fraud. Let me know if I can provide you with any information to help you help me.
Consumer complaint received 2022-01-17
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. (TX)

ON XX/XX/2021 I SUBMITTED A LETTER TO EQUIFAX TO VALIDATE SEVERAL INACCURACIES ON MY CREDIT PROFILE THAT WERE SERIOUSLY DAMAGING MY ABILITY TO OBTAIN CREDIT. NOT ONLY DID THEY NOT RESPOND BUT THESE ERRONEOUS ACCOUNTS HAVE REALLY MADE IT HARD TO OBTAIN HOME MORTGAGES, AUTO LOANS, AND LINES OF CREDIT. THERE HAS BEEN NO VALIDATION OR CORRECTION OF THESE ERRORS AT ALL. I UNDERSTAND AS A CONSUMER THAT CREDIT COLLECTION COMPANIES ARE GIVEN THE PRIVELAGE TO REPORT ACCOUNTS AND THAT THEY MUST BE ACCURATE. I HAVE BEEN DISPUTING THESE INACCURACI FOR 7 MONTHS ....
Consumer complaint received 2023-04-14
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. (CA)

I sent a letter off on XX/XX/2023. Here is the tracking # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy.

Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (DE)

My compliant is with Southwest credit. I sent a letter on XX/XX/2021. Stating that I owe {$430.00} too XXXX. When I received the letter I called a few days letter. Letting the company know that I paid this to XXXX over a year with another company. They said I can dispute the charge by mailing a letter to the company and they will open a claim. Fast forward today 's date XX/XX/2021. I find out Southeast credit has reported my a collection account to the credit bureau. My credit not has dropped 34 to 54 points in a matter of a day. The company told me that they had the collection with them since XXXX of 2021 and only reached out to me on XX/XX/2021. They did not send me the proper notice prior to reporting the account to the credit bureau. It says in there letter that I have 30 days to respond and they did not give me the 30days. I had also ask how they received my ss number and they did not have an answer for me.

The company has also violated the Consumer Fair credit act by asking me to verify myself with personal information.
Consumer complaint received 2022-10-07
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. (GA)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

I had XXXX under my school loans and before XXXX was XXXX XXXX which goes back to year 2013. XXXX is currently being sued because of there conduct of how they handled there school loans.I have two school loans with them and currently they switched to XXXX. Im  XXXX and sent my paperwork showing my full XXXX and Navient thru me under the bus and couldnt help me dismiss my loans. I had the run around and XXXX kept switching me from forbearance to income driven with my account where I should be under XXXX percent XXXX with all the paperwork that was sent to them from my doctor and myself. XXXX never got my records straight and kept charging me interest throw out the years from 2013 till today. I want my school loans dismissed due to XXXX messing up and me being XXXX. If I have to get my own attorney, I will. I hope you can assist in getting my two loans dismissed. XXXX caused a real mess with my accounts. Please call me, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Account Recovery Specialists, Inc. (KS)

My name is, XXXX XXXX XXXX, I live in XXXX XXXX, Kansas. On XX/XX/2018 I received a letter from the XXXX  XXXX XXXX out of XXXX XXXX, Kansas stating that I owe an outstanding balance of {$8100.00}, of which includes the {$2500.00} hiring fees of the person ( s ) attempting to collect on this debt. 
Outside my home people drive by yelling out, " You owe restitution '', " It has to be paid ''! 
I am harassed everyday of my life by this! At work I'm subjected to every inadequacy possibly imagined because of this. 
The real truth of this matter is that I am being wrongfully charged for this collection. I'm not responsible for this. I was assessed this fine by a Court because they had no one else to pin it on. I have been in contact with this Court multiple times, both via phone and email, to reconcile this matter but they determined that it would be best to just send it to the aforementioned collection agency. And I have been harassed about it, both in my professional life and personal life, everyday since.
Consumer complaint received 2022-01-17
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. (NC)

I have been waiting for over 90 days. I am filing this complaint because XXXX for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i
Consumer complaint received 2019-01-09
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. (CA)

Despite the fact that I had made a formal ftc complaint and a complaint with the FDIC and here at the CPFB Experian refuses to correct the issue that I was never late on the greendot account showing on my credit and that the info is false. Payments where refused because of the type of account that was given and two accounts where open mistakenly with unauthorized=zed charges on that account. Since then the account was closed in good standing and I have a recording from a XXXX rep admitting there liability
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (MT)

In XX/XX/XXXX, a blip occurred in my credit rating. It dropped from above XXXX to below XXXX. An XXXX XXXX XXXX XXXX charge - something was ordered and was delivered to a XXXX  address. This was NOT mine - someone had access to my social or credit card? I am not sure... This {$930.00} was not mine... It is not mine... 
I used a " free dark web '' service to see that leaks may have happened .. that check was XXXX XXXX... that is where I found the address in XXXX XXXX Montana XXXX I live XXXX miles away in XXXX XXXX Montana XXXX. 

Item removed XX/XX/XXXX ... after I filed a dispute, filled out paperwork, made phone calls.. 
" XXXX XXXX XXXXXXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. '' Current collection below - I have filed multiple disputes to try to remove this! 
" XXXX XXXX Account XXXX '' Help- I don't know what to do. 

Here is copied information from Experian. 
" Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$930.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$930.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$930.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX Historical info Original creditor XXXX XXXX  Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' This XXXX XXXX  charge is NOT MINE. I did NOT do this or authorize anything. Help please.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (PA)

as a Federally protected consumer I am making a complaint regarding late payments and transaction history on my credit report. Upgrade XXXX XXXX XXXX XXXX were servicer for a loan and XXXX credit cards that was acquired. Throughout this relationship XXXXpgrade IXXXX XXXX XXXX XXXX did not provide any disclosures in regards to allowing me to opt In or opt out of credit reporting as this is my right. So Upgrade & XXXX has been reporting to my consumer report without proper authorization or consent. I have formally noticed Upgrade and XXXX that I have revoked any and all consent to report and the errors need to be fixed. 

additionally Upgrade XXXX XXXX XXXX XXXX is reporting transaction history and experiences which is to be EXCLUDED from ones consumer report. I have noticed and reached out to diamond multiple times to remedy this matter and even asked for proof of late payments as diamond has not been able to provide proof. 

Because of this negligence and non compliance it has been extremely injurious to me and my family, it has caused a great deal of mental XXXX  and XXXX because upgrade inc is willfully acting out of their scope of authority and it has been very harmful to me and my ability to use my credit and be approved for credit. this is interfering with XXXX  and I will seek remedy in court if this continues.
Consumer complaint received 2022-01-17
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/XXXX. And now we are in the month of XX/XX/XXXX 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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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. 

Account # XXXX, Account # XXXX, Account # 15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any adverse adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 USC 1681 s-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 the information is inaccurate.
Consumer complaint received 2022-08-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

IN accordance with the fair credit reporting act XXXX account has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a letter in the mail from Bank of America in XXXX, AZ XXXX stating that I attempted to open and account in XXXX, AZ and I was unable to get my funds transferred. I live in XXXX, TX and was unaware of this type of activity. This activity was conducted XX/XX/2022. On the letter it tells me to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ( XXXX ) XXXX. I contacted a representative from this number XX/XX/2022 at approx. XXXX. The representative stated that they are a consumer report and handle reports of fraud. I informed the representative that I did not attempt to open up an account with Bank of America. The representative informed me that I can give her my information for contact the credit bureau. At the bottom of this letter is the bank information. 
Bank XXXXenter Name : XXXX XXXX Name : Sales Fulfillment Associates Phone Number : XXXX I contacted this number and a representative answered and stated that she was a rep for Bank of America. I informed her that I did not open up an account with Bank of America in XXXX, AZ. She claimed that they notice it was fraud and stopped the transaction from occurring. She then gave me a number to call to report fraud XXXX ( XXXX ) XXXX. She stated this was XXXX and I need to report this to them.
Consumer complaint received 2024-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

My name is XXXX XXXX, and I am writing to file a formal complaint against LVNV Funding LLC regarding their collection practices related to an alleged debt, which I believe are in violation of several consumer protection laws. 

LVNV Funding LLC is attempting to collect a debt that has passed the statute of limitations to collect debt in the state of Texas. This law is found in Section 16.004 of the Texas Civil Practice and Remedies Code. 

1. 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has failed to provide clear and accurate information about the consumer 's right to dispute the debt within the required timeframe. The initial communication did not adequately inform me of my rights to request verification of the debt. 

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The collection notice sent by LVNV Funding LLC did not include the name and address of the original creditor, which is a requirement under this provision. This omission has left me unable to verify the authenticity of the debt. 

3. 12 CFR 1006.34 ( d ) : The information provided in the collection communication was overshadowed and was inconsistent with my rights to dispute the debt or request the name and address of the original creditor. This caused confusion and concern about my legal rights and the validity of the debt. 

4. 15 USC 1681s-2 ( 7 ) ( A ) : LVNV Funding LLC has not ensured the accuracy and completeness of the information reported to the credit bureaus. They continue to report inaccurate and unverifiable information, which has negatively impacted my credit report and financial standing. 

Collection Agency : LVNV Funding LLC Account Number : XXXX Account Opened : XX/XX/2019 Amount of Debt : {$640.00}