davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
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. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Information and documentation requested from Select Portfolio Servicing ( SPS ) has been refused : 1 ) Provide XXXX  accounting for this loan beginning from loan origination. Do not send payment and transaction history. Provide documentation on when the loan originated in XXXX How did it originate? Who provided the initial funds and how? 
2 ) Is SPS a debt collector? if yes, identify yourself as such. 
3 ) Does SPS have a contract with said mortgage holders, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
4 ) If such a written contract exists then provide the contract with original wet signature. 
5 ) On XX/XX/XXXX, there was an assignment of mortgage to XXXX XXXX XXXX XXXX XXXX : said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX were never notified. Said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX does not have a written contract with SPS and has never assigned power of attorney to SPS to act on their behalf. Said mortgage holders has never assigned power of attorney to XXXX XXXX XXXX XXXX XXXX or any of their subsidiaries, derivatives, trusts or any other entities or associated persons. 
-Why was the assignment made? 
-Who authorized the assignment? 
6 ) This mortgage contract with SPS has been in dispute for over a year, why is SPS still reporting derogatory information to the credit agencies? This is causing damages. 
7 ) Who authorized SPS to send any information to the credit agencies? As a consumer, said mortgage holders never authorized it.
Consumer complaint received 2022-09-02
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: AMERICAN EXPRESS COMPANY (ME)

I have just pulled my credit report few days ago, I have noticed 4 accounts which I do not recognize. I have never the following accounts : 1. XXXX XXXXXXXX XXXX  XXXX account number XXXX. Delinquent 2. Amex  : account number XXXX. Delinquent 3. XXXX XXXXXXXX XXXX : no account number shown on the credit report 4. XXXX XXXXXXXX
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Im accordance with the fair credit act Experian XXXX XXXX has violated my rights. The following address needs to be removed from my credit XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-02
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. (NY)

Im accordance with the fair credit act XXXX Equifax XXXX has violated my rights. The following address needs to be removed from my credit profile.XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (DC)

XXXX   XXXX  reached out to me to attend their   XXXX   XXXX   program. I expressed to them that I have   XXXX   and would not be able to secure employment. They assured me that would not be a problem and that I should begin the  program. I completed the program in 2013. I have not been able to secure certification nor gain employment in the area in which I trained because of my  XXXX . I was made aware that the federal government shut the  school down and offered forgiveness to previous students due to misrepresentation and fraudulent programs and guaranteed employment.   To date, I have not been able to address the issue and have not been able to receive forgiveness for my loans that I have been paying on.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Omni Financial Corp. (SC)

Under the FTC, and privacy act I have to a right to opt out of creditworthiness or other personal characteristics that is being shared. If any company shares credit score or details about a purchase. I have a right to say no about sharing. This is a defemation to my character.
Consumer complaint received 2023-01-26
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. (VA)

On XX/XX/XXXX at XXXXXXXX XXXX Experian received a letter concerning my credit report. This is NOT a request to conduct an investigation or a request to contact the data furnishers for items on my Experian credit report and ask them to verify the accuracy of the information. 

I am simply demanding the following accounts to be DELETED from my credit report immediately. The list of accounts, below, has violated my federally protected consumer rights to privacy and confidentiality, according to the Fair Credit Reporting Act, 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Experian is in violation with the Fair Credit Reporting Act, 15 USC 1681. Let me further explain. Pursuant 15 U.S.C. 1681 ( a ) ( 4 ), I have the right to privacy. ( I demand these accounts be deleted ). Pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), the term consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. ( Ex. Late payments, amount financed, charge-offs, etc. ). Pursuant 15 U.S.C. 1681b ( a ) ( 2 ), A consumer reporting agency can not furnish an account without my written instructions. ( I have never given Experian permission to furnish any of these accounts ). Pursuant 15 U.S.C. 1681c ( a ) ( 5 ), No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Pursuant 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), A person shall not furnish any information relating to a consumer to any consumer reporting agency. 

I am simply demanding the following accounts to be DELETED from my credit report immediately. The list of accounts, below, has violated my federally protected consumer rights to privacy and confidentiality, according to the Fair Credit Reporting Act, 15 U.S.C. 1681.
Consumer complaint received 2022-09-02
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. (NY)

Im accordance with the fair credit act XXXX XXXX Transunion has violated my rights. The following address needs to be removed from my credit profile.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MS)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. In requesting documentation none was provided. Due to identity theft this should be removed.
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NV)

Amsher Collections is attempting to collect a debt that is owed to them by a business I was previously employed by for a cell phone account. I have attempted to contact Amsher by phone at numbers provided and on their website which ring as if a personal phone and nobody answers. I sent email correspondence which was never replied to even attempting to settle debt that is not mine. I have requested debt validation which was never received. They have told me to call original creditor who then tells me to call collections agency so I am unable to get in touch with anyone who can give me solid answers and provide a resolution to this credit matter.
Consumer complaint received 2019-02-07
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: Experian Information Solutions Inc. (TX)

I am a party to Experian Data Breach Class Action, Claim # XXXX. I am a DIRECT victim of Experian Data Breach and have nine ( 9 ) HARD INQUIRIES that I dont recognize. I have spoken with Experian with no help from Experian. I noticed the hard inquiries that I do not recognize and I am supposed to be protected by Sec 611 Fair Credit Reporting Act with 5 day notification letter of reinsertion of data on my credit report which never happened. I will list the HARD INQUIRIES : and Date of inquiy : ( # 1 ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX, date XX/XX/XXXX, ( # 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, date XX/XX/XXXX, ( # 3 ) XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX date XX/XX/XXXX. 
( # 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX   date of inquiry XX/XX/XXXX, ( # 5 ) XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, date of inquiry XX/XX/XXXX, ( # 6 ) XXXX XXXX   Unspecified inquiry date XX/XX/XXXX, ( # 7 ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX UT XXXX, date inquiry XX/XX/XXXX, ( # 8 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, date of inquiry XX/XX/XXXX ( # 9 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX  date of inquriy XX/XX/XXXX
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I believe that citizen bank is knowingly commiting consumer fraud with advertising and offering overdraft protection. On the morning of XX/XX/2019 asi walk to work I check my account to find the insurance policy I recently purchase being debited from my checking account. This transaction made my account negative. Less than 24 hours I transferred money from my saving account to cover the transaction, however the bank had already charged the overdraft fee. What is overdraft protection for if the consumer still gets hit with overdraft fees less than 24 hours of a transaction even after covering the overdraft balance? The bank does not have the best interest of the consumer and I feel like they are fraudulently offering protection from overdraft and charging overdraft fees.
Consumer complaint received 2019-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TN)

TO WHOM THIS MAY CONCERN : ON XX/XX/XXXX, I CONTACTED NAVIENT STUDENT LOANS AND I WAS CONNECTED WITH A YOUNG FELLOW. ALL OF MY CALLS ARE RECORDED DUE TO THE TYPE OF APPS I HAVE ON MY PHONE, WHEN IT WAS PURCHASE. EVERYTHING THAT THE GUY ASKED FOR, I TOLD HIM. I EXPLAINED TO HIM THAT I WAS ON WEDGE EARNER AND MY STUDENT LOANS WHERE ADDED TO THE WEDGE EARNER, LAST XX/XX/XXXX. HE DID'NT WAN NA HEAR THAT. I ASKED TO SPEAK WITH AN SUPERVISOR, AND HE WENT ON TO SAY, THEY ARE GON NA TELL YOU THE SAME THING, I THEN REPEATED MY SELF SEVERAL TIMES AND FINALLY HE NEVER SAID HOLD ON, I I HEARD MUSIC AND ASSUMED HE WAS PLACED ME ON HOLD. HE WAS VERY RUDE AS WELL AS YELLING AT ME STATING '' HE DID NOT GIVE ME PERMISSION TO RECORD HIS CALL ''. AFTER BEING ON HOLD FOR ALMOST 1O MINS ( RECORDED ) HE THEN TRANSFERRED ME TO A DIFFERENT CUSTOMER SERVICE MEMBER INSTEAD OF A SUPERVISOR THEN I HAD TO WAIT AN ADDITIONAL 10 MIN TO SPEAK WITH SOMEONE ELSE. MY HOLD PHONE CONVERSATION WAS RECORDED. IF HE ACTED LIKE THAT WITH ME, THERE'S NO TELLING WHO ELSE HE HAS ACTED THIS WAY WITH.I 'M TRYING TO LET YOU ALL HANDLE IT FIRST BEFORE TAKING IT FURTHER TO COURT. MY CALL BACK NUMBER IS XXXX. AGAIN, NO ONE SHOULD HAVE TO EXPERIENCE THIS KIND OF BEHAVIOR TOWARDS ANYONE. I REMAIN PROFESSIONAL AND MANNERABLE, BUT HE DID NOT.
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (NY)

I have BJ 's perks MasterCard issued by Comenity Capital Bank. 
On XX/XX/2022 this account was paid in full. 
Payment posted XX/XX/2022, according to online account service. 
On XX/XX/2022 this account was reported to Credit Reporting Agencies, without reflecting this payment. 
After XX/XX/2022 reporting stopped completely. 
Today is XX/XX/2022 and my credit report still shows a balance of {$2700.00}, while balance on their website shows negative {$11.00}. 
This misreporting hurts my credit score a lot. I notified them multiple times regarding this error, by phone, thru secure messaging on their site and disputed this information with credit bureaus. 
Also they were notified that I'm applying for mortgage and this incorrect information hurts me a lot. 
Few banks declined extending mortgage to me, based on the credit score shy of just few points of threshold. 
If Comenity reported correct information in timely matter - bank would approve my mortgage. 
Additionally it hurts my business, also, since I am unable to be guarantor for new truck order, because of this BJ 's MasterCard account not being reported correctly, and lowered my score. 
It is ONLY account with balance on my report.
Consumer complaint received 2019-02-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

I have made monthly payments on my Nelnet loan since I finished  graduate school approximately 12 years ago. My balance is now $ XXXX _higher_ than the original loan amount. I do not see how 12 years of payments has not lowered my debt at all ; in fact, it has been raised. There is no way in which I am able to get their numbers based on their stated interest rate and practices ; and I would like CFPB to assist in resolving not only my situation, but in looking into Nelnets business practices. It would be particularly helpful as a starting point to request that they turn over borrowers payment history and corresponding calculations upon request for transparency and independent oversight mechanisms.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MA)

The credit card company is not handling my dispute properly. 

I reasserted the dispute on XX/XX/XXXX and sent documentation to show improper billing/service not provided/received. 

On XX/XX/XXXX I called to check on status of dispute and was notified the dispute was still open/pending. 

I requested a call back from a supervisor to confirm the documentation I had submitted was sufficient and to discuss the billing dispute before a final determination was made. I was informed a call back would be made within 1-5 business days and that I would be contacted before a final decision was made. 

On XX/XX/XXXX I called back because I had not received a call by the 5 day deadline ( XX/XX/XXXX ). I was notified that the case was closed on XX/XX/XXXX without a callback from a supervisor prior to final determination, as agreed.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XX/XX/2022 at XXXX I received an email from Bank of America to confirm my email account. At XXXX I received an email from Bank of America that an online application was in progress for me to open an XXXX XXXX Banking Account. I did not attempt to open this account. There was nowhere on the email for me to deny opening that account. I have spent 3 hours on the phone, mostly on hold, with Bank of America to report this fraud. I keep getting transferred to different departments and being placed on hold between each transfer. On some of the transfers, the automated system will end the call because I do not have an account number. I am currently on hold after being transferred to sales and being refused to talk to a manager, I was again put on hold to reach the checking account fraud department.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (FL)

Multiple times I have requested that my non-public personal information and NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, to stop disclosing, to any and all non affiliate third parties. For example, Credit reporting Agencies, which are clearly by definition, non-affiliate third parties and qualify under the FCRA and the Dodd Frank Act for consumer privacy protection as non- affiliated third party. They have refused to stop disclosing and continue to violate my personal private information without my express written consent. Under the FCRA the Dodd Frank Act and the Privacy Act of 1974. This must stop immediately.
Consumer complaint received 2023-01-26
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. (TX)

n accordance with the fair credit reporting act 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 an account without my written instruction.
Consumer complaint received 2023-01-26
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. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected privacy, and confidentiality under the 15 USC 1681. 
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 XXXXXX/XX/XXXX, 15 USC 1681 section 602 A states I have the right to privacy.

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

15 USC 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information, or any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) states 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 innaccurate.
Consumer complaint received 2023-01-26
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. (TX)

n accordance with the fair credit reporting act 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 an account without my written instruction.
Consumer complaint received 2022-09-02
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: AMERICAN EXPRESS COMPANY (UT)

In accordance with the fair credit reporting act American Express and XXXX 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumper plan as late for any purpose.