davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-18
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-04
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. (NY)

Good day, I submitted to the credit reporting agencies an agreement that myself and NY child support came to in leu of cashing and crediting the latest payment to my child support account. In the documentation, I asked that this account be removed from my credit report in it's entirety from all the credit bureaus as I've had several problems with the agency. 

One problem in particular I've had with the agency in the past is, I personally made a modification for a larger child support payment with the courts. The courts adjusted the amount of child support to come out of my paychecks at my place of employment. The correct amounts were taken out of the checks but were not being credited to the child support account as a full payment. It was reporting as an overpayment as the child support office did not enter the new order in their system correctly. 

This resulted in them issuing me an overpayment check. They actually issued me 2 overpayment checks in this situation. For them to come back later and say that they made a mistake in entering the order and they need the money back. 

I feel that this account and it's payment history doesn't reflect me as a consumer and The agreement that myself and the child support office came up with, this account was supposed to be removed from my credit reports all together. Enclosed is a copy of the cancelled checks with the written agreements on the check.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX  XXXX XX/XX/XXXX closed XX/XX/XXXXXXXX XXXX
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

capital one XX/XX/XXXX closed XX/XX/XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-03-04
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. (NY)

Good day, I submitted to the credit reporting agencies an agreement that myself and NY child support came to in leu of cashing and crediting the latest payment to my child support account. In the documentation, I asked that this account be removed from my credit report in it's entirety from all the credit bureaus as I've had several problems with the agency. 

One problem in particular I've had with the agency in the past is, I personally made a modification for a larger child support payment with the courts. The courts adjusted the amount of child support to come out of my paychecks at my place of employment. The correct amounts were taken out of the checks but were not being credited to the child support account as a full payment. It was reporting as an overpayment as the child support office did not enter the new order in their system correctly. 

This resulted in them issuing me an overpayment check. They actually issued me 2 overpayment checks in this situation. For them to come back later and say that they made a mistake in entering the order and they need the money back. 

I feel that this account and it's payment history doesn't reflect me as a consumer and The agreement that myself and the child support office came up with, this account was supposed to be removed from my credit reports all together. Enclosed is a copy of the cancelled checks with the written agreements on the check.
Consumer complaint received 2022-06-18
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: AVANTE (TX)

In accordance with the fair credit Reporting act XXXX XXXX # 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 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 Consumer credit plan as late for and purpose.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I had a chapter XXXX bankruptcy in 2012. To reestablish credit I opened 2 Capital One prepaid cards and deposited {$1000.00} in each. I recently contacted Capital One to close the 2 prepaid cards and have my funds reimbursed. There is no balance on the cards and they are seldom used. I was told by the Capital One rep that the cards I have are not and never were prepaid cards. They said that the cards I have are XXXX cards and those are regular cards and that the prepaid cards are the XXXX card and XXXX  cards. I told them that the original cards were XXXX and XXXX but they disagreed. I explained that I was holding those original cards in my hand and was told that they have no record of any prepaid cards on file. Not sure what to do at this point. The cards don't have annual fees so it doesn't hurt to keep them open which is strange because the regular credits cards do have an annual fee. I was told that I can close the accounts but there is not funds to reimburse because they are not cash secured credit cards.
Consumer complaint received 2020-02-03
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. (FL)

I am writing because I do not recognize certain item on my credit report. The account is listed below. I have never done business with this company, and dont understand how I would owe money or have anything that would appear on my credit report from them.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX Opened XX/XX/XXXX closed XX/XX/XXXX XXXX  XXXX opened XX/XX/XXXX closed on XX/XX/XXXX XXXX
Consumer complaint received 2022-06-18
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-18
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. (TN)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (AZ)

XXXX XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX and XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2019 Made with : Equifax
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/2023 XXXX XXXX XXXX XXXX av XXXX, NY XXXX XXXX Account XXXXXXXX Bank of America  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiryon my XXXX, XXXX and XXXX ) credit report . My latest credit report sh

ows 1 credit inquiry that I did not authorize.

I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-18
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( All Accounts ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (GA)

XX/XX/2022 Security Credit Services, acting as a collection agency for XXXX XXXX, XXXX reported me to the credit bureaus as owing {$760.00}. I do not know who Security Credit Services and XXXX XXXX, XXXX are, and have never done business with them, and do not owed {$760.00}. 

XX/XX/2022. I submitted a dispute of their claim to all 3 credit bureaus.
Consumer complaint received 2020-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

I have been with Nelnet since XX/XX/XXXX and my loan balance has not been reduced even though I have been paying monthly and have not missed payments. In fact, my loan balance has increased. 
I wrote to Nelnet in XXXX, after speaking with an agent at your company, and said that I was willing to settle the loan at {$25000.00}, but they did not respond regarding this, only that they do not refinance loans. 
My oldest statement on line is from XXXX and says I have a balance of {$57000.00} and my latest statement from XXXX, XXXX says I have a balance of {$58000.00}.
Consumer complaint received 2020-02-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

Our Lakeview Loan Servicing LLC have failed to pay our XX/XX/XXXX W Taxes from escrow account. I have made several attempts to contact them to resolve this matter with absolutely NO response. I have been calling and have requested management and/or supervisor assistance to no avail! Not even a call back or reply to an email or post on social media. I have been placed on hold over days and weeks for hours and no representatives pick up. 
We have received a notice from our City about the delinquency and tried to resolve with our services with not so much as a concern. We pay our loan on time and they should be held responsible for not paying our taxes on time. 
We need help to get someone to rectify this issue immediately as this company does not and can not provide sevice to their customers. We did not get to chose this service provider, as our VA loan was sold to them. This company should be shut down for operating insuch an irresponsible capacity!!
Consumer complaint received 2020-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Reliant Capital Solutions, LLC (OK)

I have attached some of the notes and I am waiting on the illegal documents filed. They stated I moved and didn't advice. The fact is I was homeless because of the Dept of Education and loan servicing companies FAILED me and I had XXXX XXXX. Surviving on the XXXX!
Consumer complaint received 2022-07-24
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. (PA)

In accordance with the Fair Credit Reporting act. The Listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX, XXXX, and Transunion stated that my account was properly investigated or it meets FCRA requirements. How is that possible when there are still errors and inaccuracies across all three agencies. High balances are different all cross the three agencies, dates last verified are all different, date reported, date opened, and date closed are different or are missing, payment history is inaccurate : This is grounds for immediate account deletion because these are all violations on my credit consumer file. 

Listed Accounts : XXXX XXXXXXXX ( account is suppose to be closed ) ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX  ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX XXXX  ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions.
Consumer complaint received 2018-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I am customer with Wells Fargo since XX/XX/XXXX. I was trying to buy tickets to XXXX XXXX  online, and seller had good reason to selling at 20 % discount. We agreed to 50 % before and 50 % after I receive my tickets. I was buying 8 tickets and discount was significant I transfer {$220.00}. Phone number of seller was XXXX and money was sent using XXXX at XXXX and was sent on XX/XX/XXXX, this account is with XXXX ( US ) per Wells fargo Agent. My bank today informed me, there is no protection as I sent the money. When I had called on XX/XX/XXXX after seller stopped responding to txt ( he/she ) was at work so couldnt talk, I sensed scam. I called wells fargo and asked to hold this money. It was showing pending and agent said, they have taken notes and will try to hold. Next day I was supposed to receive call back from Wells Fargo - didnt get call. I called, and found money was sent as this was XXXX   transfer. The app for wells fargo, doesnt have option to make standard ( 3 day ) transfer, that online bank website has, so money went instantaneous. Wells fargo agent said, they are working with counterpart at XXXX to revert, but today agent says they can not do that, as I made transfer. Why not put a hold and ask each to prove why money was sent or why received, especially when complained? What protection does online money transfer provide? Or bank to bank relation ship between wells fargo and chase. They are helping fraudster 's with this, they allow them to open account ( i think even that was using wrong id ) and supporting by not holding this amount and others. The phone number is inactive since XX/XX/XXXX (  later in day ). So are the banks telling scamming is much profitable business than earning 8-5? That while they open accounts in your name, they can not protect your money, especially when a customer calls SCAM on this transfer?
Consumer complaint received 2022-03-04
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. (CA)

There are several accounts that are not mine on my credit report. XXXX states that they have verified the debt but there is not physical evidence that this debt is mine. No signature what so ever. These are fraudulent accounts and and i want them removed from my credit report.
Consumer complaint received 2022-03-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

When the lender tried to foreclosure in XXXX. The Note had to different dates on them. The first date, shown was XX/XX/XXXX. Two pages later there was an addendum that was not there for the original closing was dated XX/XX/XXXX. The complaint that was sent to the court has the date of XX/XX/XXXX. 
XXXX XXXX XXXX claims that these are transcribable errors. Their answer is " No Harm no Fowl. '' Since they were sent to the Court, they are now part of the court record. Which makes them a legal document and they are true facts. 
They sent me a Loan Modification, after signing the original loan modification. The mortgage and the note were never modified. Since my deceased wife is still on the mortgage and the note. They have to send an Affidavit of Continuous Marriage, which has never been done. There answer is that they do not have to modify the mortgage or the note. That they have doing this for years. Secondly, when the modification was sent to the XXXX XXXX for their signature. They did not notarize the document, which makes it illegal.
Consumer complaint received 2022-03-04
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (IA)

This issue was restocked one in CFPB complaint against XXXX. After removing fraudulent overdraft charges, XXXX turned around and readded then intentionally knowing that the CFPB would recognize this as a resolved complaint, and not move forward. This is the debt collection agency that XXXX BANK did the {$130.00} of overdraft charges that were from transactions with NON SUFFICIENT FUNDS IN THE ACCOUNT AND THE DEFAULT SETTING WAS FOR REFUSE TRANSACTIONS WHERE THERE IS NOT SUFFICIENT FUNDS... ON A DEBIT ACCOUNT. " SPOTTING '' me the money IS A LOAN. I DID NOT APPROVE OF A LOAN OR THE UNAUTHORIZED TRANSACTIONS FROM XXXX AND XXXX THAT XXXX BANK APPROVED ON A ACCOUNT WITH INSUFFICIENT FUNDS