davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
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 Consumer Reporting act XXXX XXXX XXXX  allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/ 2022 there was complaint filed in the Circuit Court of XXXX County, WI against me for alleged amounts owed. The Plaintiff 's firm acting as a third party debt collector did not send notice or right to dispute prior to commencing suite or after a phone call was made to them on XX/XX/2022 per FDCPA rules. This is not the first time that this firm has violated my consumer rights. I was never given a right to cure pursuant to Wisconsin Consumer Act.
Consumer complaint received 2022-02-27
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 Consumer 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are furnishing inaccurate information for the account XXXX. XXXX is reporting XXXX  days past due in the payment status, but the payment history reports XXXX  days past due. Transunion is reporting XXXX  days past due for each month throughout XXXX XXXX XX/XX/2024. This reporting is not only incorrect, but it is inconsistent and a violation of the FCRA. You are reporting that this account is open when this is incorrect. This is a closed account and has a {$0.00} balance. XXXX has since removed this inaccurate account. This is a violation of my rights as a consumer. It has been sent to XXXX  and Texas State Attorney General for the violations committed. Please note that I am the only natural person writing this statement with the help of no XXXX party. I never gave any consent to report anything on my consumer report. See the attached credit report which shows the inaccuracies.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX loan. Its identity theft it has XXXX debt two different loans on transunion non on XXXX and one for XXXX on XXXX please ask all to remove its not mines it was open not authorized I didnt sign for anything
Consumer complaint received 2022-02-27
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. (NC)

In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX XXXX account XXXX, has violated my ri

ghts. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been debited for an old acct that was closed and funds are debited from acct and caused my bills to be late. 

I have no idea how much is owed. They can take what ever amount they want without my knowledge
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (AR)

Safe Rent is showing an account for a company known as, " XXXX XXXX XXXX, '' as open and not paid from 2007. The account is closed and is past the statute of limitations and should no longer be reported on any credit report. When trying to rent an apartment, XXXX is attempting to in sense force me to pay them the money from this old debt and because its past the statute of limitations and can not legally sue me for the amount or report in on my XXXX, XXXX, or XXXX reports is using their knowledge of my desire for the new rental apartment to pay them on this old and void collection to pay. Because the apartment complex has to hear form XXXX XXXX that the amount of, {$1800.00} is paid or no longer void will not rent to me. XXXX XXXX knows the amount in question is pass the statute of limitations and attempting to collect on this old collection by not reporting updated information to the, Safe Rent collection bureau or the desired rental i 'm attempting to do business with now is nothing short of blackmail ....
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX. 

Account XXXX : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX  six years ago, I had lost my wallet at the airport. The last few years have been rough trying to repair my identity within the public to lenders because of my information being used and stolen from me. The last few years, I tried to dispute this information with Bank of America credit card department notifying them I didn't open a credit card on XX/XX/2017 for credit line of {$1000.00} but exceed {$1200.00} the date of Charged off as bad debt from the institution.
Consumer complaint received 2017-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (OH)

This happen with Navy Federal credit Union. Money was accidentally deposited from an outside third-party into my account that I still had their even though I tried to close it they told me I could n't years ago {$910.00} and it was automatically put toward a debt that I default it on because I 've been unemployed for quite some time I told their financial debt counselors the same thing I told him that I went through a divorce and that the car loan I had with them was no longer in my responsibilities through the divorce decree in the courts ex-wife is paying for it so they 've been sending letters continuously and calling me continuously to pay a debt that I ca n't so this money was deposited into the account today which is XXXX XXXX 2017 and then they automatically took it out and put it towards a debt that I owed that it 's {$910.00} which was going to go towards responsible things like rent and groceries to house me to feed me and my XXXX kids I called yesterday and asked if I could stop the deposit from happening I was told no I asked what else there was that I could do so they said to set up a transfer and to call in after XXXX XXXX today and start the transfer which all the information so already be in I called today and was told him I can of XXXX I asked why because it went into the account it did n't have a setup transfer it was automatically taken out and put towards the credit card I was in transferred over to somebody else who had an immediate attitude with me and then add a point after telling me that no I ca n't have my money back that they 've been trying to contact me and they have n't heard from me in a year and how are they supposed to assume my situation has n't changed and I said well the last time I talked to you or financial counselors they told me there was nothing they could do with me and until I got a job there was nothing that they could set up my informed those financial counselors of the divorce decree and so on and this guy said that I did n't matter and I did n't matter if they put in notes because my car bill that I had with them was being paid by my ex-wife who was legally responsible to pay it they assume that I was having money even though there was no deposits in that account at least a year if not longer this is n't the first time they taken money directly without my permission to pay a bill that they said was late they 've also stopped me from being able to withdraw funds from my account when I have an active checking account with them and I know this is the exact same thing that they were sued for and had a claim against I want my money back so I can house and feed myself and my children
Consumer complaint received 2015-07-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (GA)

I sent commonwealth financial a debt validation in the mail and fax on XX/XX/2015, its been over 30 days, they never responded with doscumentation of account, thats a violation of fcra and fdcpa i want it deleted from my XXXX credit file right away.
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (PA)

On XXXX XXXX, XXXX, I was charged a late fee on my PNC credit card due to an automatic payment failure on the PNC 's part. Once I noticed the failure, I manually paid the balance on XXXX XXXX. I called PNC and talked to them about the error but they would not remove the late fee. I set up the automatic payment feature to avoid these types of issues and now due to their system failure, I have been charged {$25.00}. I am requesting my {$25.00} late fee be removed. Thank you.
Consumer complaint received 2018-12-31
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: Jon Barry and Associates, Inc. (GA)

XXXX XXXX XXXX {$1100.00} & {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

I have been working with Select Portfolio Servicing ( SPS ) for 2 years to keep my house from foreclosure. I have submitted all the documentation necessary, Prior to the due date of XX/XX/XXXX, to assume the mortgage and they have confirmed the submission and the assumption is now under review. ( attached document ). 

They stopped the Sheriffs Sale for XXXX. However, their attorney and/or SPS has XXXX my home back on Sheriff Sale for XXXX. On XX/XX/XXXX, I spoke to the sheriffs office, XXXX, who handles the sales and a package was already put in for my home to be put back on sale. 

I need my home taken off the XXXX sale to give me time to get the assumption thru and then to bring the mortgage up to date. Putting my house on the XXXX sale is going against what the company said. ( Letter attached ). They took my house off of the sale, but put it back on the next month. 

I have complied with this company for years! They have gone behind, over, around and under any morals and laws to try and get my house. The attorneys have not helped, mine and theirs. 

I have attached all the letters from the mortgage company and my notes when I spoke to the company.
Consumer complaint received 2022-02-27
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 Consumer Reporting act XXXX XXXX XXXXXXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

These inquiries serve no memory as being made by myself and I asked for them to be investigated and removed as I have spoken to the company and all they did was place an alert on my credit file, instead of taking actions as what appears to be a data breach. The items are as follows : 1.XXXX XXXX XXXX, XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX, XXXX, XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX, XXXX 8. XXXX XXXX XXXX 9. XXXX  XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX 23. XXXX XXXX XXXX 24. XXXX XXXX XXXX 25. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (GA)

According to Title 15 section 1605 ( Determination of finance charge ) In my loan contract my finance charge was {$7600.00}. Per Title 15 section 1605. This is all that I shouldve been charged. Yet I was required to pay a down payment plus another {$21000.00}. This is a clear violation of Title 15 section 1605.
Consumer complaint received 2023-02-22
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. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX CO XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022.
Consumer complaint received 2022-03-14
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. (TX)

I have repeatedly asked for 5 years for the permissible permission from me that allowed Experian to give my private information to XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/2017. Experian continues to decline while suggesting I am asking about an inquiry which I know doesnt exist on my credit report. It doesn't exist because it was more than 5 years ago and the permission doesnt exist because I never gave permission. This unlawful inquiry led to a fraudulent loan.
Consumer complaint received 2020-02-25
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: CITIBANK, N.A. (OH)

On XX/XX/XXXX, a thief used my credit card information to make two unauthorized cash withdrawals at a horse track in Connecticut. This person withdrew {$260.00} and {$310.00}. 

When I noticed these charges, I phoned Citibank  and asked that the two charges be removed. They said they would, and they did. 

When I received my XX/XX/XXXX paper statement, I noticed several new charges. I now had a {$41.00} transaction fee and a {$9.00} interest charge. More importantly, Citibank reversed my dispute and reinstated the {$260.00} charge. 

To preserve my rights, I wrote Citibank on XX/XX/XXXX about my concerns ( see the attachment ). I mailed the letter to Citibank, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. My letter was never returned to me, though it was never acknowledged by Citibank. In the letter, I included a copy of my paper statement and my request that the reversed {$260.00} charge be removed, along with the transaction fee and interest charge. 

On XX/XX/XXXX, I received a new statement with an additional {$3.00} interest charge. 

I phoned Citibank on XX/XX/XXXX, and XX/XX/XXXX. Both times the representative said they would look into the issue, but nothing happened. They never offered a conditional credit. 

On XX/XX/XXXX I spoke with a supervisor who said that he noticed irregularities in the charges and that he would ask for a full audit. He said it would take 5-7 business days to complete the audit and an additional 1-3 days for a credit to show up on my account. He said the results would be on my next billing statement. 

When I received my next paper bill on XX/XX/XXXX, nothing had changed. I phoned Citibank ( XXXX ) at XXXX ET. I was placed on hold until the system hung up on me at XXXX. I immediately phoned back and was placed on hold again. I hung up at XXXX out of frustration. 

I am now reaching out to you for help. I would like a refund of {$260.00} for the Reverse XXXX  XXXX  charge. Additionally, I would like a refund for the interest charge ( {$13.00} ) and for the transaction fee ( {$13.00} ). In total, I am due a refund of {$280.00}. 

Thank you for your help.
Consumer complaint received 2022-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IA)

I updated my mailing address on my Nelnet account around XX/XX/2021. I have not received a mailed monthly statement since then. I also did not authorized to only view my account information online. I only go online to pay my bill or go on the application on my cell phone. I prefer bills to be mailed to my address as I have filing system where I keep a record of all of the statements and mark payment date, time, payment amounts, who sent the bill and confirmation numbers. Nelnet online account profile system is messed up. They only have available to enroll in e-statements and text notification of bills. I do not want e-statements and do not want to be sign up for texts that will charge me money through my cellphone company. If they are any responsible servicing company like any bank or financial institution, they should held to the same Federal regulations and State laws about disclosure of account information to be accessed by the consumer/borrower without a company not providing options or making good on monthly statements when a borrowers is not enrolled in e-statements. It should never be a company 's decision to make or follow through with unauthorized account maintenance just for the company to save money! I am sure all of these third party student loan service providers are getting rich off all of the interests built from deferred, defaults and forbearance loans over the years! It would be nice if the Federal Government look at some Student loan forgiveness for those who had FFELP Stafford loans. After look at how the student loan market and sales tactics were done with the universities and colleges, it is down right predatory lending practices when they know that students coming out of high school do not know about terms and conditions on contacts, promissory notes of payment of debt, and compound interest.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX