davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NV)

Home depot has a 24 month no interest promotion in XX/XX/XXXX for purchases {$2000.00} and over. THey have been charging me interest on this promotion. I have called the credit department, I have sent messages through there website and have gotten no corrections or resolutions. They offered a 24 month no interest promotion and are not honoring it. I do not owe the interest charges they have put on my account since XX/XX/XXXX. THe debt date on their statement is false and they are collecting money not owed to them. The expiration for the promotion should be XX/XX/XXXX. They are falsely promoting no interest programs and not honoring the conditions of there contract and now charging interest on the full amount.
Consumer complaint received 2023-10-21
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Consumer complaint received 2023-10-21
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. (OH)

RECENTLY I PULLED MY CREDIT REPORTS BECAUSE I WANTED TO APPLY FOR A MORTGAGE AND REALIZED THAT I HAVE A PUBLIC RECORD ON MY CREDIT REPORT. I HAD A BANKRUPTCY BUT I NEVER HAD A BANKRUPTCY IN MY LIFE. I NEED THIS REMOVED IMMEDIATELY. I HAVE A RIGHT TO PRIVACY AS A CONSUMER AND TRANSUNION, XXXX AND XXXX ARE VIOLATING MY RIGHTS. I DIDN'T GIVE THEM THE CONSENT TO FURNISH THIS INVALID AND INACCURATE INFORMATION ON MY CREDIT REPORTS. THIS IS UNFAIR AND AFFECTING ME TREMENDOUSLY WITH THE BANKING SYSTEM AND THIS IS ALSO RUINING MY REPUTATION. I DEMAND THIS GET REMOVED NOW
Consumer complaint received 2023-10-19
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. (OK)

I requested documents on accounts that have signatures of all parties involved. I requested such documents via mail TWICE and by phone. I never received such documents and the companies never provided any type of follow up through mail, phone, or email. Some companies would not even give me information over the phone because I could not verify certain account details. I have already had issues with fraud before. The accounts are listed below with as much information as I could gather on them. 

XX/XX/XXXX account number XXXX XX/XX/XXXX account number XX/XX/XXXX account number XXXX XXXX XXXX XXXX could not obtain an account number but it seems health insurance related and I have had all health insurance items covered under my insurance policies and they would also not provide documents as previously stated. 

DEPT OF ED / XXXX This item appears on my account several times and not only has it been past the seven year mark for them ( meaning they should not even appear on the report in the first place ), there is no balance associated with these accounts. 


This is all the information I was able to gather on these accounts. Again, documents were requested multiple times and never received and no kind of follow up from the companies in regards to the accounts in questions ever happened. This is against the law as they have to provide documents when reuqested to do so. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

Please remove these items from my credit report immediately as I am well within my rights.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

I am having major issues making payments. My first payment was due on the XXXX of XXXX and when I made the payment, it pended for 5 days before being reversed and I was told my bank account could not be found. So, I deleted the bank account I had on file and reentered it diligently and remade the payment after XXXX first and was past due. I do not have the dates for this since and MOHELA does not keep record of payments that have been reversed. So after I reentered my bank account info I made 2 separate payments on XX/XX/XXXX. One for {$58.00} and one for {$25.00}. I then a few days later received a message saying my payments were reversed and I was still past due. I checked again this morning and now my account is saying those payments were accepted however nothing has pulled from my account and the notes of the reversal are gone. This company has terrible customer service and I can not get ahold of them
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$2800.00} XXXX XXXX XXXX {$2800.00} 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-19
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. (OK)

I attempted to contact these companies on two different occasions via mail and once over the phone to receive documents showing the account in question with signatures of all parties involved to validate the accounts and debts. I never received such documents or any type of follow ups from the companies. The accounts in question are XXXX XXXX XXXX XXXX  account number ending in XXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX  account number ending in XXXXXXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX  account number ending in XXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX account number ending in XXXXXXXX XXXX/DEPT OF ED account number ending in XXXX XXXXDEPT OF ED account number ending in XXXX XXXXXXXX XXXX account number XXXX in XXXX XXXXXXXX XXXX  XXXX would not provide me full account number nor documents as requested account number XXXX XXXX XXXX XXXX would not provide me full account number nor documents as requested account number XXXXXXXX XXXX XXXX XXXX would not provide me full account number nor documents as requested account number XXXXXXXX XXXX XXXX XXXX  would not provide me full account number nor documents as requested account number XXXXXXXX XXXX XXXX XXXX  would not provide me full account number nor documents as requested account number XXXX XXXXXXXX XXXX XXXX would not provide me full account number nor documents as requested account number XXXX XXXX XXXX XXXX  would not provide me full account number nor documents as requested account number XXXX These are all the accounts I have individually inquired about and got as much information on. Again, I did request information on all these accounts via the mail TWICE and once over the phone and got no documents with signatures from all parties involved or heard any response to my inquiries. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 


PleAW Hvw these accounts deleted off of my credit report.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Regardless of multiple written requests, the unverified account and inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove these account and inquiries and inquiries completely from my credit reports. 

ACCOUNT : XXXX XXXX XXXX  ; INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1700.00} Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Equifax re-added several inquiries to my credit report after previously deleting them following a completed investigation here on CFPB portal XXXX, which concluded that these inquiries were unauthorized and removed them as fraudulent. This re-addition violates consumer protection standards by re-reporting inquiries already determined to be invalid, without any new basis or consumer authorization. Equifax has not provided any satisfactory explanation or documentation justifying their re-reporting of these inquiries, even after multiple contacts and requests. 

Detailed Description : Unauthorized Re-Addition of Previously Deleted Inquiries : Equifax completed an initial investigation and deleted numerous unauthorized inquiries on my credit report ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ), confirming these were fraudulent and without my consent. 
Despite this resolution, Equifax has now re-added these very same inquiries to my credit report without a clear basis or consumer consent, disregarding the initial investigation findings. 

Violation of Consumer Rights : Once Equifax concluded its initial investigation, these inquiries were removed as they lacked my authorization. Re-adding these inquiries without new evidence or my explicit permission violates the Fair Credit Reporting Act ( FCRA ), which requires fair, accurate, and complete credit reporting. 

This act of re-reporting these inquiries demonstrates negligence in upholding the validity and integrity of consumer data post-investigation, especially given that no new evidence or consumer action has prompted this change. 

Failure to Provide Documentation : I have sent Equifax numerous letters requesting proof of authorization for these inquiries, but they have failed to provide any such documentation. Instead of addressing my requests, they have merely reinstated the inquiries on my report, which is both unprofessional and non-compliant with consumer protection requirements. 
Equifaxs prior response through the CFPB portal claimed resolution, with these inquiries deleted. I am now raising this complaint again due to their reappearance, which undermines Equifaxs initial investigation conclusion. 
Supporting Documentation : I have attached copies of credit reports showing the inquiries ' initial deletion after the first investigation and the most recent report with the inquiries re-added. 
This documentation clearly shows Equifaxs unauthorized reversal of its own decision without any new evidence or grounds for re-reporting these inquiries.
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

Nelnet states my loan payment is {$630.00} per month. I applied for the SAVE program on XX/XX/2023 per studentloans.gov and was quoted by the Department of student aid that my first payment was due XX/XX/2023 and would be {$5.00}, ongoing payment amount would be {$330.00} per month. This SAVE application was then sent to Nelnet to continue being processed. As of today, XX/XX/2023, this application is still pending and I have received zero, NO correspondence ( email, letter, mail, notification via website ) from Nelnet on the reason why or how to proceed in getting my application approved. I have attempted calling customer service, and have sat on hold upwards of 3 hours. I have emailed 3 times with no success. Clearly many others are calling and at an important time of loans being reinstated to show negligence is adversely affecting borrowers again. This issue presents negative affects for my ability to ensure payment is made on time and accurately, and could result in severe consequences to me. The descrepency in Nelnet 's quoted monthly payment, verses the SAVE payment is SIGNIFICANT and appears transparent why they are not following through with approving the application in a timely manner. I have provided income verification, even though not requested after reading a forum online indicating others were experiencing the same issues. Why when other loan servicers are able to approve and apply the SAVE discount ON TIME, should I be penalized because Nelnet is not held to the same standard or expectations?