davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
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. (NE)

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 name : XXXX XXXX, Account # : XXXX XXXX Account name : XXXX XXXX, Account # : XXXX XXXX Account name : XXXX XXXX Account # : XXXX XXXX Account name : XXXX  XXXX, Account # : XXXX XXXX Account name : XXXX - XXXX, Account # : XXXX XXXX Account name : XXXX XXXX, Account # : XXXX XXXX Account name : XXXX, Account # : XXXX XXXX Account name : XXXX XXXX, Account # : XXXX XXXX Account name : XXXX  XXXX, Account # : XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account name : XXXX XXXX Account # : XXXX XXXX Account name : XXXX, Account # : XXXX XXXX Account name : DEPT OF ED/XXXX, Account # : XXXX XXXX Account XXXX : U S DEPARTMENT OF EDU AFSA, Account XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account # : XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt-
Consumer complaint received 2020-12-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MN)

On XXXX, I started a home equity loan with XXXX XXXX XXXX, Client Relationship Consultant, NMLS XXXX, p. XXXX | XXXX. I applied for XXXX, the value of my house is XXXX and my credit score is over 800. I am doing this because I live on a limited income and taxes and association fees keep going up. I am XXXX soon. I have a home improvement lien on my house with the City of XXXX, MN for about XXXX and each year that passes the amount goes down and at some point will be XXXX and forgiven. After all this time on XXXX they sent me this notice, Hi XXXX, Please login and review your Adverse Action Notice. Be sure to review as soon as possible to keep your application moving forward. I logged in and the bottom line is US Bank is saying we can not move ahead because of the loan with the City of XXXX. The City of XXXX is willing to sign papers to take second position on my house, I have talked to them more than once. I also have a line of credit for XXXX, with US Bank with a XXXX balance, which I am willing to close. I did this exact type loan with US Bank 2 years ago with no problems. I feel like their is something fishy going on by them denying me this loan.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to you with an immense sense of urgency and frustration regarding the fraudulent accounts that are still tarnishing my credit report. It has come to my attention that despite repeated requests and clear evidence of fraudulent activity, these erroneous entries persist on my credit profile. XXXX XXXX XXXX
Consumer complaint received 2023-03-19
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. (CA)

I submitted a letter to dispute an account ( XXXX - XXXX ) on my report on XX/XX/2023. This company never sent a 1099 as well as furnished MULTIPLE discrepancies on report including date of last payment, last active etc. The account was charged off but there was still a past due balance. They stated the information was verified but was not able to produce how the information was verified. This company was also inaccurate with my payment HISTORY. I disputed this account with all 3 bureaus and urge this account be deleted for violating 15 usc 1681eb.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Over the past couple of months since XX/XX/2021, I have been trying to have the credit bureau fix my personal information that is being reported. This company never responds to my letters since I've XX/XX/2021. I will attach proof of address with my license to show proof what my current and only address has been the past ten years.
Consumer complaint received 2020-05-01
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: Nelnet, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : DEPTEDNELNET  XXXX XX/XX/2018 ( Multiple Accounts Reported ) I am not sure how this happened, The late remarks started late 90 days right after a good payment.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The list below has violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC Section 602 A. States I have the right of privacy.15 USC 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instruction. ( I did not give ) .15 USC 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse then records of conviction of crimes which antedates the report by more then seven years.15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cause to believe. 

I am disputing all accouts with, all the Credit company 's. Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (SC)

This letter is regarding account # XXXX, which you claim I have a charge off and I owe {$490.00} and my account was reported to collections as delinquent for {$490.00} ]. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent and evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation.

Also please take into consideration that a police report was filed for this matter.
Consumer complaint received 2017-10-13
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)

This is unfair, the two accounts listed on my credit file have been re aged by the credit reporting agency and both are inaccurate, untrue and can not be validated. 

XXXX XXXX XXXX # XXXX {$280.00} XXXX XXXX # XXXX {$3000.00} I have disputed these with a response back now stating XXXX X/2017 which is false information. These are outdated, inaccurate and needs to be removed
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have submitted disputes several times with Transunion concerning accounts I held with XXXX XXXX XXXX XXXX. Transunion continuously reports the disposition of the accounts incorrectly, and claims it is the data furnisher XXXX XXXX XXXX. I was forced to take legal action against XXXX to try and have these incorrect reporting cleared up. XXXX has furnished information which makes it clear that it is not the data furnished, but how Transunion is using that data. It seems Transunion is not capable of reporting these accounts correctly and I would like the accounts removed, so that these mistakes do not continue. Attached is the communication between attorneys and XXXX 's internal notes on my accounts, as well as Transunion 's report.
Consumer complaint received 2015-08-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I had a business line of credit with Wells Fargo Bank. My company went bankrupt but we continued paying on the loan. Wells Fargo unilaterally discontinued our account access and sent no statements. They contacted us after XXXX months and still refused to give us account access since it was part of our company, but they said we had to pay it since it was personally guaranteed. They still would n't send any statements or billings. Today they took over {$3400.00} out of my personal Wells Fargo account. They still have not given me any written explanation of the amount, fees, interest, anything. The representative at Wells Fargo XXXX XXXX at XXXX XXXX was not only rude but also refused to give me any information about the amount taken.
Consumer complaint received 2023-03-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

In early XX/XX/2023, I requested the following materials from Midland Credit Management : 1. A copy of the original purchase agreement which shows you legally own this debt by the original creditor. Not a letter stating you own the debt ; the actual agreement. 
2. Copies of ALL statements from open to close of this account. 
3. I want to see proof you are a legal debt collector in the state of New Jersey. A copy of your bond which shows you are legally registered in New Jersey. Anyone can state they are able to collect a debt in New Jersey. 

I did not receive the requested documentation. They sent me one statement.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XXXX of 2021, we mailed our income tax payment checks from our local post office. These checks were stolen, washed and deposited with altered information ( United States postal inspection service case XXXX ). One check for {$6900.00} was deposited in XXXX bank on XXXX and one for {$5200.00} was deposited in BOA on XX/XX/2021. Our bank XXXX has been trying to recover our funds and has not been successful. We get a letter every 30 days from the XXXX customer claims department stating that " we could not recover your funds ''. XXXX claims that they have done everything required and we have not been able to find anyone at XXXX or BOA that is willing to talk to us.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit report shows I have an outstanding debt to XXXX XXXX. This debt was paid in XXXX. According to them on XXXX XXXX they updated that it was payed. It is now XXXX and my credit report shows the debt still unpaid.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have unauthorized inquiries on my credit report ; XXXX ( XXXX XXXX XXXX  ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX  ( XXXX ). I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of may rights to privacy.
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

When I received my tax bill from the county, I contacted Chase to confirm that they will pay it from my escrow account. They said Rest assured that nothing is required from you. We will always pay for your tax since it is part of your escrow account. 

However, what they failed to inform me was that they do NOT pay the supplemental tax bill from escrow ( even though the amount I was charged every month would be enough to cover it ). When the payment was late, I was charged a {$200.00} late fee from the county. 

I contacted Chase and they said they will not reimburse me for the {$200.00} late fee even though they told me they would pay the bill. Upon second contact they said that it said in my closing documents that they do not pay supplemental bills from escrow. However, I reviewed all my signing documents and could not find any such language. Chase bought my mortgage from my lender last year and the original lender never notified me of this either.
Consumer complaint received 2016-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NC)

Midland credit collection went into my bank account and stole funds from my account for a bogus credit card account that was paid off in XXXX with which I have a copy of my credit report stating that fact with XXXX lates reviewed for 48 months. Midland credit took XXXX unauthorized on an account that was paid off. I first contacted the company on XXXX/XXXX/XXXX. It took so long because of everything that was going on I did not utilize credit. When I realized who the companies were that fraudulently took funds out of my account I began to call them. Midland credit despite having no outstanding account admitted to taking the funds. I faxed over a police report as per their request when really I did n't have to because this is an unauthorized charge that was well over XXXX years old. In speaking to the supervisor, he told me that the police report I obtained from the XXXX RI police Department was not a real police report. Wow, I could n't believe my ears and the fact that they are going to these lengths not to pay back funds taken without my permission on an account that i did n't owe anything on. On XXXX/XXXX/XXXX when I called, I was told they had no documentation. On XXXX when I called, I was all of a sudden told they had documentation. I told them I wanted to hear or see where I authorized this charge. That is the bottom line it was not authorized by the account holder and they decided to help themselves and go in and take funds that were not even owed to them. The supervisor told me he was waiting for the manager in XXXX XXXX to get back to him.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (OH)

My ex girlfriend stole my debit card and found my pin and made several unauthorized/fraudulent transactions on my account while I was hospitalized with XXXX. I was hospitalized from XX/XX/2021 - XX/XX/2021. The fraudulent transactions were made with my card from XX/XX/2021 - XX/XX/2021 totaling {$3700.00}. I have since faxed documents such as a written statement of what occurred, copy of my ID, a police report, and a hospital discharge form to US Bank Reliacard Cardholder Services. I have been denied and not given a specific reason from any of the several different customer service reps and fraud department reps I have spoken to. I have been given a different story or scenario and time frame several different times during the past 60 days with no results.
Consumer complaint received 2022-02-09
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. (FL)

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX {$690.00} Account Resolution Services ( XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1500.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}
Consumer complaint received 2016-05-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (NY)

On Saturday XXXX XXXX at XXXX. I deposited XXXX cash in the atm at First Niagara Bank in XXXX XXXX, NY. Later that morning I had a paypal transaction, and a coffee shop transaction. On Monday, I checked my account and they put the debits before the deposit, which cause me XXXX NSF fees. I deposited XXXX cash into my other account at the same time. and I also got an NSF fee for that account
Consumer complaint received 2016-12-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (PA)

In late XX/XX/XXXX my wife and I changed wireless cell phone carriers from XXXX to another carrier. We agreed to pay an early termination fee of {$140.00} which we paid. 

On XX/XX/XXXX we received a collection letter from XXXX claiming we had a debt of {$140.00} to XXXX. My wife wrote to the collection agency and soon that company wrote back saying they were no longer pursuing payment on behalf of Verizon. In XX/XX/XXXX XXXX sent me a collection notice for {$140.00}. on behalf of XXXX. My wife asked them to provide validation of the debt. They wrote back to say they were no longer taking action against me. At this time XX/XX/XXXX McCarthy, Burgess , & Wolff collection agency is demanding XXXX be paid the same {$140.00} that we paid in XXXX. M, B, & W have placed an additional {$26.00} as a collection fee. I have dates and the amounts paid to XXXX for a full year and I can not find any thing that would disputes my claim, we do not owe XXXX any money for a debt that does not exist. I thank you for being a consumer financial protector and hearing my concerns. 
Respectfully, XXXX
Consumer complaint received 2015-06-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Grant Mercantile Agency (CA)

I had old water bill accounts from city XXXX ca water department.bac in 2010 I work out I payment plan with bill from the billing department.i paid all old accounts off .and I got a letter from grant mercantile collection agency.telling me I still owed those bills I paid to city XXXX.i told them I have paid these accounts off.and im infect in good standings with them .I also ask they confirm this info with bill give them his info.since then all I keep getting is old bill information I also dispute.it with credt companys.the information they recvied from grant mercantile is wrong and aginst the fair cedit act
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX has a collection against ( {$580.00} ) me but I have never had a XXXX XXXX account. It states the account was opened in XX/XX/XXXX, closed in XX/XX/XXXX, and went to collections in XX/XX/XXXX.