davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

This was originally disputed XX/XX/XXXX, then again in XX/XX/XXXX. I have now reached out to Amex and XXXX once again, today XX/XX/XXXX, and they are wanting me to start the process all over again. 

XXXX refuses to update my credit report stating that the account in question is still being reported as Open. I have submitted to them, a letter from American Express, which contains the statement " The Card is no longer active and is no longer associated with the primary Card Members account. '' I would like to note that this is an authorized user account, with my wife who WAS the primary account holder - she has since more than a year ago closed the primary account so there is absolutely no way this authorized user account could be considered active. 

Neither XXXX or Amex will communicate directly with one another to resolve this issue, leaving me to go around and around with the same information from both sides, neither making any actual attempt to correct the report and resolve this issue. 

The resolution I expect is that Experian updates their reporting to state, correctly, that the account in question is closed. I expect XXXX and Amex to work together to accomplish this resolution, as I, the Customer, should not be stuck in limbo in this way with false information being provided to potential creditors.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (OH)

Chase Credit Card Company altered my phone number without my consent, prompting me to call them. I believe this was a tactic to encourage me to contact them so they can tell me I owe them i know i have a bill they dont have to use sneaky things like that i lost my and couldnt pay i plan on paying but for them to change my account info like that is crazy.
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Tx, XXXX SSN : XXXX DOB : XX/XX/XXXX Dear : APPLE CARD GS BANK USA Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX. 

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard XXXX mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within XXXX business days of the written confirmation. 

Thanks in advance XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2024-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I am writing to formally address a collection placed on my account by Helvey and Associates on behalf of XXXX XXXX XXXX for an unpaid amount of {$120.00}. I discontinued my XXXX XXXX XXXX  on XX/XX/year>, due to an urgent family matter that required me to leave the United States. Before discontinuing the service, I ensured that all outstanding bills were paid in full. Additionally, I had provided a deposit of {$200.00} when I initially opened my account with XXXX XXXX. 

Since XX/XX/XXXX, I did not receive any notifications indicating an outstanding balance, and had I received such notice, I would have immediately resolved the matter. Upon my return to the U.S., I was shocked to find that a collection had been reported on my credit history, which negatively impacted my credit score.

I made several attempts to contact Helvey and Associates to explain the situation and submitted contact forms on their website, but I received no response. I also called XXXX XXXX, but no one was able to provide a clear resolution. As a result, I paid the {$120.00} amount in question. However, my {$200.00} deposit has not been refunded, and due to no fault of my own, my credit history now reflects an issue that has unfairly lowered my credit score and continues to harm my credit standing.

I kindly request your assistance in resolving this matter by removing the collection from my credit report and returning my {$200.00} deposit.

Thank you for your prompt attention to this issue. I look forward to your timely response and a resolution to this matter.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (TN)

Nelnet 's response is essentially a deflection of responsibility. XXXX XXXX and XXXX XXXX. XXXX  XXXX  XXXX while they provide some general information about credit scores and how student loans can impact them, they avoid addressing the specific inaccuracies I pointed out in the initial letter. 

Key Issues in Nelnet 's Response : Avoidance of Specific Issues : Nelnet doesn't address the incorrect consolidation status or the presence of closed accounts from previous lenders. 
Focus on General Credit Information : The response provides generic information about credit scores and how student loan payments affect them, but it doesn't address the specific errors XXXX highlighted. 
Misdirection : Nelnet implies that the issues might be with the credit bureaus, not with their reporting, which could be a tactic to shift blame. 

To Whom It May Concern, Your nine-digit SSN # XXXX First and Last Name. XXXX XXXX XXXX XXXX XXXX of Birth. XXXX I am writing to dispute inaccuracies on my credit report regarding my student loan accounts. 

Upon reviewing my credit report, I discovered that Nelnet has incorrectly reported the approved consolidation of my student loans. Additionally, closed accounts from previous student loan companies are being reported, which is inaccurate. I am no longer with Nelnet. Double reporting of as Loans. Consolidation from XXXX is currently reported. 

I request that these errors be corrected promptly. 

I have attached supporting documentation for your review. 

Thank you for your immediate attention to this matter. 

Please find the addendum attached for further details. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc. (NC)

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-09-17
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: Global Lending Services LLC (AZ)

I noticed unauthorized inquires on my credit report, I sent emails and certified mail to the credit bureaus and the creditors. It has been more than 30 days and they have failed to respond and or remove the inquires.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

I am writing to formally dispute the accuracy of information on my credit report as maintained by Experian, XXXX, and XXXX, pursuant to Section 611 of the Fair Credit Reporting Act, 15 USC 1681i.

Upon reviewing my credit report, I have identified the following inaccuracies and some of these have two account numbers which can not be accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CITIBANK, N.A. (MD)

Apparently on XX/XX/2023 Citibank Na., Best B pulled my credit for an inquiry, for what reason I don't know. I did not authorize them to perform this action for no type of reason.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I am joint account owner with my mother, XXXX XXXX, an XXXX XXXX XXXX senior citizen that was victim of a phone scam. My mother visited the Webster Bank XXXX XXXX XXXX  and made two separate cash withdrawals on the same day, a few hours apart, in the amounts of {$9000.00} and {$5000.00} respectively. The bank teller failed to exercise any prudent care or fiduciary responsibility by not attempting to question the withdrawals. These unusual, high dollar, transactions were completely out of the normal behavior of the account activity, and represented over 40 % of the account value. There was no attempt to offer alternate means of withdrawal, e.g., a bank check, electronic transfer, etc., nor was a phone call made to me, the joint owner, or trusted contact on the account. A bank manager was not engaged to validate the transaction, have a conversation with my elderly mother, and instead they simply distributed the cash. When we initially complained to Webster bank via phone, we were put through various departments/phone numbers, only to be told we would get a call back by an alleged regional manager, and that never happened. Upon filing the writing complaint in XXXX, XXXX XXXX from Webster bank claimed they were not responsible because they asked my mother for ID and purpose of funds, which my mother denies the latter. The banks claim that source of funds was disclosed to be house renovations is conflicting to my mothers account record and XXXX  info given she does not own a home and rents an apartment in a XXXX XXXX XXXX XXXX development. The initial behavior and subsequent response clearly articulates that Webster Bank tellers are not familiar with their responsibilities to help protect the elderly, some of the most susceptible individuals to fraud and scams. There are multiple rules and regulatory guidance requiring banks have training, be aware of possible senior exploitation, etc., and Webster bank did none of that. At a minimum, the bank should have attempted to stop the second withdrawal for {$5000.00}, when a XXXX  filing should have been required to be completed, and offered to help my mom. This behavior can't be excused and Webster Bank should be liable for the withdrawals they failed to exercise any care over.
Consumer complaint received 2024-08-02
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. (DE)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 2024-09-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Sent Portfolio Recovery ( Account # XXXX ) A Letter for debt Validation on XXXX and they never responded to my request for information. 
See attached file. Company never responded or removed this from my XXXX credit report. 
Please remove erroneous information from my XXXX XXXX Account. 
Thanks
Consumer complaint received 2024-10-16
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. (FL)

I am filing this complaint regarding all three credit bureausXXXX, Experian, and XXXXdue to their failure to provide me with the information I requested concerning their investigation of XXXX XXXX. I contacted each of the credit bureaus requesting details on the investigation they conducted after reporting issues related to my account with XXXX XXXX. Despite multiple attempts to obtain this information, I have not received any response or explanation about their investigation or the findings. I believe my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated, as I am entitled to receive information about disputes and investigations. I am seeking assistance from the CFPB to ensure that the credit bureaus provide the necessary details regarding this investigation and that any inaccuracies on my credit report are addressed
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION (OR)

That is inaccurate 1st advantage said only certain States I must have scope limited of what can be shown, which is false that is illegal only federal charges can be exposed, State charges can not be exposed in the international data base because separate Powers by the states, because each state have its own Constitution, felonies are only to be exposed for 7 years, that's the United States Constitution. They gave me an email to file dispute, then when I contact them on the email, they gave me another a phone number to contact.
Consumer complaint received 2024-09-16
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc. (TX)

I was notified by my credit bureaus that a debt collector ( Sentry Credit ) hit my credit report. Before this, no communication via mail, phone, or email was sent to me regarding any debt owed to XXXX XXXX XXXX. Upon this, I called XXXX XXXX XXXX to inquire, but they told me I would have to communicate through Sentry Credit only. I contacted Sentry Credit and explained that I have email communication with the former manager and employees letting me out of my lease without a charge and when the move out date was. The move out ledger from XXXX XXXX XXXX shows that they charged me rent for days I was not residing there and had already moved out. Furthermore, they neglected to update my mailing address even though this was also communicated to the previous leasing office team last year. Instead of contacting me through phone or email that they have on file, they sent me to collections instead. I am being wrongfully charged for money I do not owe.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (LA)

Address ID : XXXX / Report number : XXXX Report Number : XXXX I requested that this account information be removed because it did not belong to me and it is having a negative impact on my credit report which is causing a financial hardship and I am seeking consumer protection from identity theft and misuse of information towards my personal credit reporting accounts with XXXX, XXXX and XXXX XXXX 
I have requested removal and demanded removal of this inaccurate information and I didn't receive an adequate response, result or update.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION (OR)

The XXXX registration Texas did that it for state conviction in XXXX, Texas don't have jurisdiction over the matter, had long surpassed up statue of limitation, what state conviction, so you act supposed to be still being Sue for exposing that information
Consumer complaint received 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

Nelnet overcharged me for interest on my student loan balance during the COVID pause.

During the COVID pandemic, federal student loan payments were paused and no interest was supposed to accrue. Right around the time that the COVID pause went into place in XX/XX/XXXX, I received a loan statement from Nelnet, dated XX/XX/XXXX, saying that the estimated interest on my loan as of XX/XX/XXXX would be {$740.00}. 

I received no additional loan statements from Nelnet until XX/XX/XXXX, when the COVID pause was ended. The next statement I received was dated XX/XX/XXXX. All of a sudden, the estimated interest on my loan was {$1900.00}. My interest had increased more than 250 % during the XXXX pause ( when interest was not supposed to accrue ). 

I have attached copies of these statements. 

I have tried multiple times to get an explanation from Nelnet, only to receive boilerplate responses that don't address my question. I am at the end of the my rope. Since XX/XX/XXXX, I have paid over {$2700.00} in interest payments alone on this loan. I have no confidence that Nelnet is managing my loan properly. It is costing me money.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NE)

We called in XX/XX/XXXX to get a month deferment. We were told they couldn't do XXXX XXXX but they would do XX/XX/XXXX, and XXXX and XX/XX/XXXX. We would need to call in XX/XX/XXXX to get options. We called in XXXX and we're told they approved the deferment. In XX/XX/XXXX we were told by the Mortgage company it would take 45 days to process the paperwork and that our XXXX payment after their processing wouldn't be until XX/XX/XXXX. We requested the paperwork and received it showing no payment due until XX/XX/XXXX. On XX/XX/XXXX we resumed our payment but then realized we had XXXX late payments appear on our credit reports for XXXX and XXXX. So we called several times to the Mortgage company to have them correct it. We even filed disputes with the credit reporting agencies and to date these XXXX lates have not been fixed. We have never been late on our mortgage. And the XXXX lates were in deferment while we were waiting on their paperwork. We feel they need to be corrected.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (ID)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-16
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. (HI)

IM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW 605B ALL FRAUDULENT ITEMS MUST BE REMOVED AND BLOCKED. I HAVE ATTACHED FTC REPORT ********PLEASE READ THE FTC REPORT IN DETAIL ***********ALL FRAUD IS REPORTED ON THE FTC REPORT
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confir
m my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX