davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OH)

I applied for borrowers defense to repayment in XX/XX/2021. I accidentally checked no to the administrative forbearance piece on the application asking if I wanted the loans in administrative forbearance. I have recently realized my loans serviced by Nelnet could have been in forbearance this entire time. ( Didnt read carefully enough when I applied ) My school is on the list of schools in the XXXX XXXX XXXXXXXX XXXX and since they are commercially held XXXX XXXX, if the case results in loan forgiveness, I wont get any of this money back, so I want them placed into administrative forbearance until there is a resolution. Ive called both Nelnet and the Department of Education several times with each telling me they cant do anything and placing responsibility on the other. I filed a complaint with the Federal student aid Ombudsman and got a cookie cutter we cant help you email telling me yet again to deal with Nelnet. I responded to the email as it stated I could do and received no response. They just closed the complaint. I really could use some help getting resolution to this matter if you can please assist. I do not know where else to turn.
Consumer complaint received 2024-10-10
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. (GA)

XXXX XXXX XXXX XXXX XXXX
ACCOUNT NUMBER:XXXX  LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX  

TO WHOM IT MAY CONCERN, THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM. THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E EXPERIAN, XXXX XXXX XXXX ) ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION- (I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION; (ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR (iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION. THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX XXXX AND EXPERIAN ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802. IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX XXXX XXXX EXPERIAN IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL. FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS. THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS. 

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED; LATE PAYMENTS: 1. XXXX XXXX IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT. THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

 SINCERELY, XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

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 2023-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NC)

Background : On XX/XX/XXXX, I went to Wells Fargo bank branch in XXXX XXXX to close my preferred checking account that I have had for over 19 years. 

Banker discussion : XXXX XXXX XXXX ( Wells Fargo banker ) suggested : - to change my checking account from preferred to Everyday checking And after explaining to me it is best suited to my situation. 

The issue : Today I received a credit report that indicated Wells Fargo ran a hard credit check on me without notifying me. Accordingly that action has harmed my credit and lowered it by XXXX points
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Im sure Ive been paying on time, yet there are some months where Ive been reported as late, which shouldnt happen. USC 1666b states that any billing errors must be corrected and the account updated to show it was paid as agreed
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a bill from KOHL 'S card for {$240.00}. I never apply for this card and when I received the card, I did n't open or activated it. The card account # is XXXX. I think my identity info has been stolen and used my info to open the KOHL 'S card.
Consumer complaint received 2024-10-10
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. (FL)

I submitted this request to XXXX, Experian, and XXXX. This is a request to correct a violation of 15 US Code. The information on the reports is going beyond the allowed information according to the US Code. 

XXXX XXXX XXXX ( This was sent to XXXX. Similar requests were sent to Experian and XXXX ). 
Confirmation # XXXX Please correct the following inaccuracies on my credit report : Page # XXXX Last Reported Employment should have been XXXX  XXXX XXXX from XX/XX/XXXX, until XX/XX/XXXX. 
Page # XXXX XXXX  XXXX XXXX XXXX Account XXXX is in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, which states ; ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Please remove information of account that as described by the US Code does not belong on the report. 
Page # XXXX, XXXX  XXXX XXXX, Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX, -XXXX XXXX XXXX XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX  XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX XXXX Account XXXX, this is not my account. Please remove. 
Page # XXXX XXXX  XXXX Account XXXX, this is not my account. Please remove.
Consumer complaint received 2024-10-10
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. (NJ)

I am writing to raise serious concerns regarding several issues I have encountered with the credit bureau, including false account entries, unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me.
Consumer complaint received 2024-10-10
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. (PA)

I am disputing several inaccuracies on my credit report that are adversely affecting my credit score and financial standing. 

Account Discrepancies : XXXX XXXX XXXX. : This account is reported as a " XXXX XXXX '' by XXXX credit agency, while another agency lists it as XXXX XXXX XXXX I demand the immediate deletion of the inaccurate reporting. 
Payment History Issues : XXXX : The payment history is incorrectly marked as " Collection '' from XX/XX/XXXX to XX/XX/XXXX, while another report shows it as " On Time. '' I request the deletion of the incorrect " XXXX '' designation. 

XXXX XXXX XXXX : XXXX report shows a balance of {$52000.00}, whereas another states it as {$26000.00}. Additionally, it indicates a XXXX late payment for XX/XX/XXXX, while another report shows it as XXXX XXXX XXXX XXXX I demand the deletion of these inaccuracies. 

Account Number Errors : XXXX XXXX XXXX XXXX : Inconsistent account numbers are reported across agencies, which could lead to confusion. I demand the deletion of the inaccurate account numbers reported. 
The payment history for XX/XX/XXXX is inaccurately marked as XXXX days late in XXXX report, while another indicates it was only XXXX days late. I request the deletion of the incorrect reporting. 

I have compiled evidence, including copies of my credit reports from different agencies that highlight these discrepancies. I am demanding the immediate deletion of these inaccuracies to protect my credit profile and ensure accurate reporting moving forward.
Consumer complaint received 2024-10-10
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. (NJ)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Personal Information:

Previous Address(es): XXXX XXXX XXXX XXXX XXXX, AL XXXX  Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX  Previous Address(es): XXXX XXXX XXXX- XXXX XXXX XXXX, AL XXXX XX/XX/XXXX
Previous Address(es): XXXX XXXX XXXX XXXX XXXX, AL XXXX-XXXX XX/XX/XXXX
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX

 Employers: XXXX XXXX
 Employers: XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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. (GA)

This company has refused to honor my requests and properly investigate my disputes citing on numerous occasions that " A credit repair company was used to issue disputes '' when in fact I mailed these disputes myself. I've sent in an updated police report, FTC reports as well as numerous requests to resolve my issue all to my dismay.
Consumer complaint received 2024-10-10
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$900.00} Account : XXXX Party Owed : XXXX XXXX XXXX Amount : {$1200.00} Account : XXXX Party Owed : XXXX XXXX XXXX Amount : {$110.00} Account : XXXX Party Owed : XXXX XXXX XXXX Amount : {$640.00} Account : XXXX Party Owed : XXXX XXXX XXXX Amount : {$1000.00} Account : XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT, IT IS FRAUDULENT AND IAM REQUESTING THAT IT BE REMOVED IMMEDIATELY This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.

SSN :
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-02-01
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. (NV)

In accordance with the fair credit reporting act XXXX account # 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 1681section 602 A States I have the right to privacy.

15 U.S.C 1681section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (KS)

Opened a account with Chime Online Bank on XX/XX/XXXX and on the same day i linked my XXXX XXXXXXXX XXXX XXXX to my Chime account. So i did a money transfer of {$3.00} from XXXXXXXX XXXX to Chime. I was going to use Chime as my saving account. 
On XX/XX/XXXX i got an email from Chime saying my account has been closed, with no reason, from that moment i lost my login on the app and couldn't anymore access my account. At this point i was a little bit relaxed because i though my money would return to my XXXXXXXX XXXX account since i don't have Chime account anymore. But i was wrong, my money ended up at Chime. 
On XX/XX/XXXX i call the support to try to figure out my access to the app, no success. The person on the phone don't help me a bit, she told me everything would be done by email. 
After a few hours on XX/XX/XXXX i received a email from XXXX  asking me a lot of photos of documentation. 
Here 's what they asked me : A new government-issued photo ID, such as a drivers license or state ID card ( front and back ). 
Secondary ID ( Social Security card or passport ). 
A new selfie of you holding an ID document and a piece of paper with your name and today 's date written on it. 
Written explanation : Tell us the origin of the deposit ( s ) to verify that youre the intended recipient.

Documentation to support your written explanation such as : Receipts, invoices, pay stubs, work orders, bank statements, receipts for cashed checks, etc. 
I sent them everything, we change more than 40 email. 
They have some kind of automatic email that was keeping ask me some documents that i already sent and every email comes with different person name, like there's not only one person was taking care about my case but they were randomly We kept on email deal until XX/XX/XXXX that's the last email they send me They don't tell anything, they just disappear I don't know what to do now, they have my {$3.00} and all my documents information Please help me solve this out. Im desperate!!! 
Thank you
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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 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.

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 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (OR)

Response to file number XXXX I have never got any correspondence from Affirm as they had said that they would be contacting in there response to my last complaint I have even tried to contact them through mail and got no response Ive tried several times to get a copy of a signed contract and the ID they used to verify the identity but to no avail
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

My monthly XXXX bill was {$10.00} every month until they put me on a new plan without my permission in XX/XX/XXXX. That new plan was {$50.00}. I had auto pay on my account so they took my money. I canceled my service, and they refused to send me a refund so I disputed the charge. They gave me a XXXX cent courtesy credit so they want {$50.00}. I received a letter from a collection agency today XX/XX/XXXX. {$50.00} is what the collection agency is going after.
Consumer complaint received 2023-02-02
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. (CA)

for the last 2 months, I have disputed a {$3500.00} balance via XXXX XXXX XXXX XXXX. XXXX bank, The XXXX account should report a {$0.00} balance. XXXX, " We have reported a {$0.00} balance to XXXX, on XX/XX/2023. '' XXXX continues to report {$3.00}, XXXX as an outstanding balance. Which is reducing and destroying my credit score. I have called and filed a dispute for the last 2 months and no change. 

I am asking that CFPB to hold XXXX accountable and make XXXX remove all outstanding balances that are incorrect.
Consumer complaint received 2023-05-05
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. (OH)

XXXX XXXX, a debt collector, suddenly put a collections on my report in XXXX from an apparent XXXX issue. When asking to provide documentation of the debt, they refused. I contacted Experian and XXXX to dispute the collections and have them provide documentation or some sort of verification from XXXX XXXX and they did not. At no point have I lived at the address they quoted for service or done business with the original company.