davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LEXISNEXIS (FL)

On or about XX/XX/XXXX, I reviewed my XXXX  credit file and noticed an inquiry dated XX/XX/XXXX performed by a company named XXXX. My employer uses this search company and I suspected that an employee had performed an unauthorized credit personal information search. I researched XXXX and found out it is part of the LexisNexis company and proceeded to contact them by phone. I spoke with a representative who advised me the would look into the situation and I proceeded to file an inquiry with them ( LexisNexis Consumer Number XXXX ). On XX/XX/XXXX, I received a response from LexisNexis advising me that they had completed their investigation and had been unable to locate any inquiry on XX/XX/XXXX ( Attached ). I did not immediately realize LexisNexis was citing the wrong date. Several weeks later I contacted LexisNexis to advise them of the incorrect date. The customer service representative looked up my Consumer Number and advised they would investigate the correct date. After several months, I once again contacted LexisNexis for a response. I was given the runaround but that I would receive a written response. Another several weeks went by and again I called LexisNexis and given more excuses. This time, however, they did provide a written response, dated XX/XX/XXXX, stating that in response to my inquiry they had contacted XXXX, XXXX  and XXXX  for a response and not received one from any of those companies. Neither of those companies had anything thing to do with my inquiry ( with the exception XXXX  who was merely reporting the inquiry ). Those companies did not initiate the inquiries, their own subsidiary XXXX was used by their own client for the unauthorized inquiry. 

I have also contacted my employer regarding the unauthorized inquiry but they have stated they have no record of an entry regarding a report on me on that date in their logbook. Of course the individual who did the unauthorized inquiry would likely not have entered it into the logbook, which does not speak very highly of their internal controls. 

I need LexisNexis to confirm who requested the unauthorized inquiry of my information through their subsidiary XXXX.
Consumer complaint received 2022-08-13
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 2018-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

requested actual signed contract with my signature XXXX and capital one have not sent me that contract as of todayXX/XX/2018 I filed with the XXXX a complaint case XXXX even they could not get a contract. XX/XX/XXXX claims verified but I requested a copy of there investigation they also claimed they would send a copy of there response by mail never did I waited the extra 10 day for there letter never came .I have been trying to get this matter settled for over 90 days with no luck to show its even my account I feel my rights are being violated to this point capital one refuse any information enclosed is my XXXX case file to be down loaded I do not owe anything on this account I did offer a settlment to have this removed from my report completely is account even tho its not mine, My settlement offer still stands that I sent them {$300.00} dollars. a restricted offer 22 pages they sold contract to portifolio recovery equifax in there dispute asked i contact capital one i did refusal to comply by them
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I contacted Transunion to have a negative report removed from my credit report. The reason it was on my account is because it is my fathers debt, and we share the exact same name. Due to our sharing the same name and address, they refused to remove the report, even though it 's from a debt on an account that was opened when I was XXXX years old. After I called them to try and rectify the situation, I was directed to a XXXX call-center, where the worker hung up on me after receiving my case number. Now there 's nothing I can do about this fraudulent charge that was a mistake on the part of Transunion and XXXX XXXX XXXX without hiring an attorney over a {$130.00} charge from XXXX years ago.
Consumer complaint received 2022-08-08
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # 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, 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 instructions.
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (NJ)

Several attempts have been made by myself and my attorney to have a bill paid by the correct party concerning a XXXX. claim, but no solution or correction has been made. XXXX XXXX XXXX XXXX : CP # XXXX names XXXX XXXX, XXXX at XXXX XXXX XXXX. XXXX NJ XXXX attn : XXXX XXXX XXXX, XXXX. as the proper place the bill and collections belong to. This matter has been settled in NJ XXXX court. Letters dated XXXX XXXX, XX/XX/2018, XXXX XXXX and XXXX XXXX have been sent to above mentioned and ignored. Please have this removed from my credit report immediately and placed on the correct debtor. 

Thank you XXXX XXXX
Consumer complaint received 2022-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

I also have open case with ombudsman XXXX which I have not heard anything back. 

I have recently read that the FSA is taking action to target forbearance steering by student loan servicers and believe I was a victim of this practice on at least two occasions : ( 1 ) XX/XX/XXXX when I began my XXXX XXXX I spoke with my servicer on multiple occasions regarding my student loans and inability to pay the amount indicated under my repayment plan. The servicer suggested I enter forbearance rather than income based repayment. This significantly affected my progress toward PSLF as I was working for a qualifying XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  during this time period, as well as my outstanding loan balance at the conclusion of my residency in XX/XX/XXXX. ( XXXX ) XX/XX/XXXX through XX/XX/XXXX. I XXXX  in a XXXX XXXX XXXX  in XX/XX/XXXX and was automatically placed in school deferment. This was an online degree program which I completed while continuing to work full time for a qualifying XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to my servicer when I noticed I had been placed in deferment and asked them to leave me in repayment as I intended to continue to make my payments for the duration of my program. I continued to make payments of roughly {$600.00} every two weeks, which have not counted toward PSLF because I did not have a bill due for this payment period ( i.e., as I was steered into deferment ). In fact, the servicer had essentially conveyed to me that staying in deferment was my only option while XXXX  in school. Additionally, I would like to point out that at the conclusion of my professional education ( XX/XX/XXXX ), I attended a 'required ' exit counseling for my student loans. At this exit counseling, the presenter told a classroom full of XXXX XXXX XXXX XXXX that Income Driven Repayment ( IDR ) would have no benefit to our cohort based on high earnings. The presenter misrepresented the IDR program and undermined the advantages of IDR for a large percentage of this cohort - many of these XXXX  XXXX  could certainly have benefited from an IDR, particularly those who were going to work for qualifying XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). It is my assertion this directly impacted my delay in pursuing the PSLF program, thinking that I did not qualify because " I made too much money '' according to the exit loan counselor.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MS)

XXXX Received multiple alerts from My credit monitoring agencies showing a fraudulent Credit card application from XXXX XXXX/chase bank for a new account. XXXX XXXX reported that the application contained nothing correct but ssn. XXXX contacted chase bank to report this fraud and found that they had not verified any information from the application but had already run a credit report from XXXX XXXX ( causing a hit to my credit score ) and were at the point of issuing a physical card. When asked how they had verified the application, I requested the information used. Much to my disgust, they then refused to divulge the information they had used to verify this application. This is why Identity theft is rampant. Where is their responsibility to be responsible lenders and monitors of this type of behavior?
Consumer complaint received 2020-12-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Four Directions Lending LLC (SC)

The company sent a Loan agreement to be signed and I was told a different payment option could be selected. I was not able to select different payment options. Additionally, I have not been provided a payment schedule and the amount they stated in the call that would be due is significantly lower than they amount they are deducting from my account. I have attempted to contact them several times to request a payment scheduled complete with amounts to be deducted and have been unsuccessful. I also attempted to request a payoff on the loan and was told I would have to contact the company for that information. I wanted it in writing and was not provided this. I believe they are participating in predatory lending and not I. Compliance with the Fair Debt Collections Act.
Consumer complaint received 2019-08-09
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: Experian Information Solutions Inc. (NY)

There are two accounts in my credit that do not belong to me, I have tried to fix this problem with Experian but they keep refusing to remove these accounts, they are leaving me no choice but to processed with legal action for violation of the FCRA.
Consumer complaint received 2019-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

My credit card with Bank of America had a {$25.00} credit, I closed one bank acct and tried telling them the new acct but couldn't see how online. 

They saw the {$25.00}, not as a credit but balance and tried collecting it, when they couldn't they charged me {$25.00} returned check fee twice. I didn't owe them any money. 

I tried calling but could never speak to a person.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (FL)

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. 

XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX : # XXXX Ref # XXXX, has violated my rights and committed fraud on my personal information by attempting to collect a Debt that was not owed by me through the use of a third party Debt collection agency, XXXX XXXX XXXX XXXX XXXX. I have never opened an account with the above creditor, have a credit card with them, nor have I ever done business with or owe them a financial debt. 

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.
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AL)

I was told by Citibank that my account will be closed soon on XXXX XXXX after that, I called the Citibank for over a month, endless phone calls but they never tell me why and when will I get my money back. I even hired a lawyer to call with me together, but that person just hang up. Citibank should have the record for all my phone calls, they can see how many times that I have called and all those conversations. and I'm also getting mixed information from Citibank, some of them tell me I need go to the actually branch and call again, some of them tell me just wait. anyway didn't give me any actual information at all, in the past over a month. and I still don't know when will I get my fund back.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NV)

We refinanced our home in XXXX. The new mortgage company paid off {$250000.00} via wire transfer that was completed XX/XX/XXXX. New Rez reported us 30 days late even though the wire transfer had been confirmed as received before XX/XX/XXXX. 

We hired an credit repair attorney to get the incorrect information corrected and the credit bureaus refused to correct the information as well as did New Rez. I was told I would need to file a law suit against the bureaus by the credit repair company. 

A few other things are worth noting : 1 ) the credit file is reported incorrectly - reporting New Rez as currently late with a XXXX balance. 
2 ) I called XXXX and XXXX in XXXX and they customer representatives told me there was no lates on my file in relation to New Rez, but it shows when my mortgage company pulled my credit file shortly after in my efforts to obtain a new mortgage. 
3 ) I have documentation proving that New Rez had received the payoff on the XXXX, before the 30 day late marker.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (AZ)

I made a purchase using my debt card through the internet with a XXXX Supplier, The product I received was defective and broken. I tried to contact the XXXX supplier but the dispute form was blocked and was unable to directly file a dispute report, I have since filed with many government agencies and have required the bank to hold funds or reverse payment. I have not received a credit from the bank and when I call they tell me the dispute is in-process, mean time I still have n't received any credit and I am also out of an interest, seems all parties involved are stalling or delaying payment and are n't planning to pay interest. When I received my debt card I was told it cover fraud and misrepresentation of services / product. 


Contacted : US Bank Amount {$26.00} plus interest ( 19.99 % APR ) transaction date : XX/XX/2017
Consumer complaint received 2024-02-02
Product: Credit reporting 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)

I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Despite this, I refute your allegations and challenge you to substantiate your right to report incomplete negative information on my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts that is both integral and accurate. It also requires conducting reasonable investigations into consumer disputes. As per the Consumer Reporting Resource Guide ( CRRG ), adherence to Metro 2 compliance standards is essential for lawful reporting, and any deviation from these standards jeopardizes the integrity of the data.

I am asserting my rights to challenge these inaccuracies and non-compliance issues. Disregarding my request would indicate a lack of concern for my consumer rights. It is unjust to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I am contesting these claims and requesting evidence of proper reporting standards.

Your actions are violating my rights, as outlined in this document. The incomplete and non-compliant nature of your reporting fails to meet the legal standards. You must certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, promptly, completely, and accurately. Failure to do so will compel me to escalate these issues to the CFPB, FTC, and my Attorney General. 

XXXX - Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (PA)

I am a victim of fraud. A scam likely number called my phone informing me that I was approved for a loan and proceeded to get my information under false pretenses.The opened fraudulent accounts for XXXX XXXX, XXXX, and XXXX using a fraudulent address which I have never lived at. I have made numerous attempts to contact the company. XXXX XXXXXXXX, XXXX, and XXXX have not been able to verify the information according to the law and XXXX, experian, and XXXX have not deleted the unverified and fraudulent accounts off of my credit report. A fair resolution would be to have these fraudulent accounts deleted off my credit report permanently.
Consumer complaint received 2022-08-13
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. (PA)

I am a victim of fraud. A scam likely number called my phone informing me that I was approved for a loan and proceeded to get my information under false pretenses.The opened fraudulent accounts for XXXX XXXX, XXXX, and XXXX using a fraudulent address which I have never lived at. I have made numerous attempts to contact the company. XXXX XXXXXXXX, XXXX, and XXXX have not been able to verify the information according to the law and equifax, XXXX, and XXXX  have not deleted the unverified and fraudulent accounts off of my credit report. A fair resolution would be to have these fraudulent accounts deleted off my credit report permanently.
Consumer complaint received 2023-02-23
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. (CA)

For many years since 1990s and Present Equifax has put many negatives and collections on my credit report and I have filed many Federal complaints and Equifax ignore in deleting the negative collections and negative marks on my Equifax Credit report. 

Equifax allow their third parties business partners to use my Private information such as Social Security number and all my private information. 
Equifax even had a Data Bleach issues and was sued by Law Firms in XXXX XXXX with a {$1.00} Billion Dollars Class Action Lawsuit in which I haven't receive my Restitution Award Settlement check no less than {$50000.00} and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Claim XXXX # XXXX Refuses to send my check by US Postal Mail XXXX XXXX, or XXXX XXXXXXXX XXXX  or XXXX Mail XXXX as respectfully requested. 
Email : XXXX I am Respectfully XXXX Life and XXXX and a XXXX XXXX XXXX XXXX XXXX.