davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-04
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NY)

I spoke to nelnet XX/XX/2022, I explained to them that I never gave them consent to report late payments to my consumer report. The account manager XXXX responded to me stating that I signed the promissory note opting in to furnish to my consumer report. Nelnet kept telling me pursuant to federal LAW they have to report. I keep requesting where does is state by law? please provide that information. Which NOW I KNOW ITS A lie. They claim that I opted in but nelnet or the depart of Ed never told me that pursuant to 15 usc 6802 B that I had the right to opt out. That was never given to me or disclosed to me. That mean I was not ever given the option to choose. I am requesting to opt out of furnishing late payments so they need to be updated asap. Nelnet keep sending me letters that a credit repair company is the one writing these disputes when it's me. XXXX XXXX XXXX, the NATURAL PERSON.
Consumer complaint received 2022-11-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (OK)

Rent recovery solutions has violated me pursuant to the FDCPA. 
Rent recovery solutions needs to stop illegal reporting negative activity to ALL consumer reporting agencies. 
I have asked Rent recovery solution to stop ALL communication through medium only via mail. Also including reporting to the consumer reporting agencies and they are still doing so Ive attached the letter ( Exhibit A ) and have their response attached. I never asked for any documentations, I demand per title 15 USC 1692 ( c ) ( c ) them to stop all communication to ANY mediums!
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 2022-11-07
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with each bureau on XX/XX/XXXX2022 and on XX/XX/XXXX2022 and they did not remove the items. 

Sec. 602 States I have a right to privacy, XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-04
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: EQUIFAX, INC. (IN)

XXXX XXXX began running monthly unauthorized credit checks on me personally under a email address not mine but persisted for over 12 months. When inquiring about this with them nothing was accomplished nor information needed to address and uncover who was responsible for this. Pretty much same with identity theft and Equifax not being able to verify my identity and a problem with my bank and fraud you forwarded to comptroller of currency which I was falsely accused of fraud after repeatdly asking for help from bank only to be later completely and wrongly defamed accused and false statements from bank to comptroller. Due to repeated and unending attacks and no help or protection for any electronic device I am now completely and totally destroyed dignity character you name it. I was sent an email by you pertaining to a student loan I never opened nor know anything about and can not get answers to who where or any help or credit or life what so ever after this complete and total failure to help but I tried to do what was needed to assist but was stopped in my tracks everytime I tried. By theft data hacks and just outrageous ridiculous behavior I've have never witnessed nor seen in my 60 yrs on planet and now getting worse thanks I had so much hope now I'm so physically and mentally destroyed and tired of all the false and just godawful things that I have endured due to such complete and total destruction of my health life and any desire to ask for help to stop wrongful and clearly illegal behavior. I can not endure all the misinformation financial or personal attacks and can't health wise endure a protracted and totally ridiculous reason to have to now hire attorneys and go after the bad actors. I was so hopefully my request for help would lead to good results only to further damage and lead to bigger and worse problems. I'm so disappointed and confused how a bank a credit reporting outfit and XXXX and XXXX XXXX such blatant and obscene behavior besides hotel stealing from debit cards and loans etc I cant contest or even attempt due to no faith or trust left to even ask.
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (LA)

Jared is showing on my credit report as a charge off that is a closed account on XX/XX/2016. This company does not show the payment status on the credit report. It also shows that the last payment was XX/XX/2016 which is after the account has been closed. During the time the company had me enrolled in payment protection insurance without my consent.
Consumer complaint received 2022-09-04
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: PulteGroup, Inc. (MD)

On XX/XX/XXXX, I received over 30 phone calls from mortgage lending companies. After talking with one of the solicitors, I discovered there was a hard pull on my credit and my information was shared broadly with mortgage lenders. 

On XX/XX/XXXX, I checked my credit report and discovered Pulte Mortgage pulled my credit. I emailed this company requesting who pulled my credit, for what purpose, and why I was not notified prior. 

A few days past and I got a response saying the company was performing an audit of me as a prior customer. When I asked for documentation supporting this claim, they changed the cause to something else and escalated my issue to their escalation team. To this day, Ive never received a notification from the escalation team. 

Around XX/XX/XXXX, I reached out to Pulte again but to their sales department. This prompted a phone call from their customer service department. After talking with their customer service department, I was told they had no idea who or why it was pulled and did not seem to care about my credit. 

I need help removing this. This is causing me XXXX  because rates continue to climb and this pull dropped my score making me further delay financing because my credit would be pulled again and I will pay more in interest.
Consumer complaint received 2022-09-04
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. (FL)

I tried to pay off my auto loan with XXXX XXXX XXXX they said they would wait until XX/XX/XXXX for my payment because I was paying my car in full I paid said car loan off and now are saying I was 30 days in which I wouldve only been 16 days late late on my payment on the day it was paid in full
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I filed a previous report # XXXX against equifax and they have since removed the inquires and updated my credit file per the myequifax.com checked today. I found that things that were previously disputed that were corrected and/or deleted has reappeared due to my complaint. Please have this information to go back to the statuses it was as we have been through this battle before for 2 years. 
1.XXXX  xxxxxxxxxxxx XXXX reappeared showing open and reporting and bad rating on XX/XX/XXXX this was discharged XX/XX/XXXX and should not have been on my profile after that date. 
2.XXXX  XXXX shows a charge off this was paid and the creditors agreed to delete, and it has reappeared with inaccurate information. This was also for a medical debt and was paid. Credit rating is incorrect for the 4th time I am dealing with this. DELETE and keep it deleted 3.XXXX XXXX XXXX XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 4.XXXX  XXXX  rating is incorrect never been 60 days late remove incorrect history 5.XXXX XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 6XXXX XXXX XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 7.XXXX XXXX  # XXXX reappeared 7 years since first delinquency is included in XXXX DELETE 8. XXXX XXXX # XXXX reappeared 7 years since first delinquency is included in XXXX DELETE These items are things that was already disputed and correct the beginning of XXXX and now has reappeared and/or incorrect. Please delete this inaccurate information
Consumer complaint received 2022-11-07
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: CL Holdings LLC (PA)

I have on several occasions reached out to ask this company to verify a debt, they claim belongs to me as me and my son have the same name. He is a junior and I am senior. Thye continue to say its verified and I ask for something to prove this. I have yet to receive anything from them. Please send something verifying that this account belongs to me or remove it from all my credit reports. 
Please do not continue to ignore this request. I dont want something on my credit report that doesnt belong to meet and continues to hurt my credit. 

Account XXXX
Consumer complaint received 2022-09-04
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. (DE)

Hello My name is XXXX XXXX XXXX, I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to buy a home for my family and with these items on my report I won't be approved. I ask that the items be corrected on my credit report. I reported the theft of my identity to the federal trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-04
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: EQUIFAX, INC. (PA)

The Credit Bureaus in question stated that my account was thoroughly and properly investigated although how is this possible with the date of last activity, High balance, Dated opened, and credit limit of the account was reported inaccurately. This is clear violation of my rights and is ground for removal. 

Inaccurately report on Account # XXXX 1. Date of last activity XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. 
2. High Balance XXXX is reporting {$440.00}. XXXX is reporting {$0.00} and Equifax is reporting {$200.00}. 
3. Dated opened XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX 4.Credit limit XXXX is reporting {$230.00}. XXXX is reporting {$230.00} and Equifax is reporting {$0.00}. 

I have informed the bureaus that a consumer reporting agency can not furnish a account without written consent and instruction under 15 U. S. C. 1681 Section 604 A Section 2.

Also as a reminder I also have right to privacy which has been made Clear to bureaus under 15 U. S. C. 1681 Section 602A
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

I tried to use my debit card it was declined and Chime told me they suspected fraud and my account was suspended or locked. I cant access my funds on line and every time that they are looking into my issue and tho call back in XXXX days that was on XX/XX/22. I keep calling every day but they keep telling me its in the fraud department and they can only be reached through email. I have emailed them but with no respond except its being reviewed. I have bills to pay, I have children to take care of. I cant do anything without my money. At this point I would like to withdraw all {$11000.00} of my money and put it in a real bank because this is stressing me out that Ive been in the hospital for 2 weeks. Please help.
Consumer complaint received 2019-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

So today on XX/XX/2019 my account was suddenly closed without warning. I usually get text notifications when my mom 's coworker 's send money to my account. They do this because my mom has no idea how to work technology so it is easier for her coworkers to send me the money and take it out of the atm. I had been doing this for quite a while now and there had never been any problem until today. So today I received a text that said I would no longer receive notifications for any quick pay transactions. This worried me and so I logged into my Chase account and it said my account would be closed due to " suspicious activity ''. Since today was pay day for my mom and her coworkers I had about 6 quick pay transactions go through to my account before it got closed. After failing to log into my account through the Chase app, a number was given to me to call in order to inquire about my account. So I called XXXX XXXX in order to find out why my account was closed. After talking to a representative the only thing I was told is that they are not allowed to disclose the reason for closing my account and that my money would be sent as a check in the mail and that I would no longer be able to be bank with Chase again. They asked for my debit card number since I do not remember my account number. After the phone call I received an email that said the phone number on my account was deleted. I started to get suspicious so I went to my nearby Chase bank and asked about it all. I was told the same thing that was told to me in the phone call and left after being told that my money would be sent in the mail as a check. I would like to note that there was no prior warning to shutting down my account as I was able to make purchases and access my account one day ago.
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: EQUIFAX, INC. (MI)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-11-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (NV)

Hello I receive service connection XXXX. I am currently homeless and live in XXXX nv. I have received my direct deposit from the va into a netspend account for over a year. I used an address 1 time in Massachusetts while I was there to get a card shipped to me. Netspend has since been able to change my address or ship me a card. They only allow me to open other accounts so I can be charged extra monthly and transfer fees. On XX/XX/XXXX the account I recipient my va deposit in was blocked from my use. Netspend refuses to transfer me to anyone. They laugh at me on the phone. I have been broken down in my truck for 3 days throughout a storm. I missed XXXX  because I had no funds to fix my car issue. My phone is off and netspend is requesting documents they know I can not provide at this time. I send them a XXXX birth certificate social security card an award letter with my current addressed on it. I also sent a XXXX and va I'd. They didn't approve any of my documents saying my I'd was to blury, they except nothing from the va, and they do not except copies of copies for my social security card. They are also requesting only a utility bill with the Massachusetts address on file. I never lived there and don't know how to get a proof of address there other than fordge a fake bill. The only other option they are giving me is to have my account closed and my check sent to the a address I don't live at in Massachusetts. I think they are laundering my money because this has happened several times where the have requested personal documents and unnecessary blocks. Please help, netspend is only allowing me to speak to the same people. I am 100 % XXXX and can not deal with this stress. There has also been countless forien transaction fees throughout my accounts. And money that gets taken out as change and then put back in as different amounts. I need my money I'm starving, stuck, cold, and my phone is now off.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I asked for Citi to make a payment from an external account that didn't have enough funds. 
After initial attempt Citi made a XXXX  attempt, without my permission, and I called to stop payment and was told that I can not do that for XXXX XXXX. I asked if Citi would attempt to withdraw XXXX  more times, incurring more external bank fees and Citi fees. The representative wouldn't answer and kept reading off prompts that didn't apply. 
Citi attempted to withdraw XXXX times, without my permission, on XX/XX/XXXX and XX/XX/XXXX and incurred an additional {$60.00} in insufficient funds fees from the outside bank. 
I called Citi to get the {$60.00} paid to me since I made every attempt to avoid them. After I told the representative I was looking for a refund Citibank, the XXXX largest bank in the XXXX, said they were having issues and can't access the credit card records and I will have to call again later.
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: EQUIFAX, INC. (FL)

I am a natural person, I am living, and I have rights under 15 USC 1681 to have a 100 % accurate, complete, and private investigation done to my credit report. Equifax is governed by USC 1681 and have violated my rights numerous of times with inaccurate information and violating my privacy rights as a consumer. I demand the following accounts to be removed. According to 15 USC 1681 I have the right to privacy and I did not give Equifax permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-04
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)

This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
Consumer complaint received 2022-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OH)

In my last communication with EQUIFAX, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.