davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2018, I was applying for a mortgage loan. When I pulled my credit report I saw there was an error reported by Capital One credit card. Capital One reported a " Late Payment '' on all three major credit reporting agencies that cause my scores to drop more than 100 points from XXXX down to XXXX. 
I contacted Capital One consumer department to find out what happened with the error in reporting. I spoke with a customer representative name XXXX. 
XXXX told me that the late payment was reported due to the fact that they billed me for annual membership fee. However, Capital One admitted that they never notify me nor send out any statement billing to allow me to pay for that fee. 
I paid for the fee ( payment confirmation # XXXX ) to keep my account status open. In addition, I complaint to XXXX about the reporting errors with the credit reporting agencies. XXXX went on to apologize for that error and told me that he went ahead and sent an update to the 3 major credit reporting agencies to " remove '' the late payment status. 
However, I just recently order a new credit report to find out if the errors have been remove but those errors are still reporting as 30 days late. I have a recording of our conversation with XXXX from Capital One.
Consumer complaint received 2024-08-05
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-05
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. (IL)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXXXXXX XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this XXXX XXXX XXXX XXXX XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this XXXX - XXXX
Consumer complaint received 2024-08-05
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. (TX)

I am writing to follow up regarding the ongoing issue with my credit report. Despite my multiple attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. 
I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. 
The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. With this, I am asking for your help to correct the accounts : XXXXXXXX XXXX XXXX  Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$730.00}.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I upon checking my credit report on Experian credit reporting agency I noticed an inaccurate public report still reporting inaccurately such as : XXXX public report account # XXXX, date : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX I am getting very frustrated with Experian auto generated electronic responses stating account have been verified they never investigate properly ever. 

Last Warning!!! I will be seeking legal advice with the attorney general if this inaccurate account is not removed immediately.This account is not reporting on XXXX, XXXX nor XXXX XXXX because it has been deleted from all 3 credit reporting agencies.

This public record is in violation on section code 15USC 1681 ( I ) 7 and this account is inconsistent across all credit bureaus.Credit bureaus have a responsibility to report accurate and consistent consumer account information. 

I have attached copies of the proof XXXX and XXXX are not reporting the public record account listed above for they have deleted the inaccurate public record account as required by the fair credit reporting act law. Also included is a copy of a letter I received from the bankruptcy court stating they dont verify any information with any credit reporting agencies. Do the needful Experian and stop stating that you verified this inaccurate public record account and delete it immediately as all others credit reporting agencies have done. 

I am requesting all this information : XXXX. The names and businesses of each individual with whom you verified the account information above, so that I may follow up. 

XXXX. The date you contacted the furnishers of information. 

XXXX. The method of communication you used to verify the information. 

XXXX. All documentation proving inaccurate information was indeed accurate. 

Again remove this inaccurate inconsistent account immediately within 15 days and send me a updated copy of my credit report to my address on file thank you for your understanding.
Consumer complaint received 2024-08-05
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. (MD)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
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. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-05
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. (GA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-08-05
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. (TX)

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my credit file with Credit Bureaus. Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and XXXX XXXX I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. I request that you thoroughly review this information and take immediate action to rectify the situation. The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable XXXX XXXX XXXX If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX XXXX XXXX : {$18000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$770.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$770.00}.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE
Consumer complaint received 2018-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

I submitted a complaint against nelnet over a month ago but NEVER got a response. 


Nelnet took over my loan from XXXX sometime last year without telling me. Now my automatic deductions are NOT being made and I can't even get anybody to give me my account number so I can fix the problem. I've sent several emails and some were ignored while another was replied to with some secure email that I couldn't even open! I replied back and told them to send a REGULAR email reply because my email was password protected but I never got a response. These people are obviously scammers who have no business being responsible for other people 's money!!!!
Consumer complaint received 2018-03-19
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I applied for a loan through a specific online source. The site led me to many others that implied that I had not imputed the adequate information and that they'd need it once more. i was later informed that my credit was deeply damaged because different sources had run a hard credit check without my knowledge. I had only knowingly applied to XXXX XXXX XXXX.
Consumer complaint received 2018-03-19
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. (NC)

I have submitted multiple disputes regarding a collection account that was being reported on my credit report that I had settled in full. I have uploaded a letter that I received from the collection agency that states that the account is settled in full on multiple occasions as well. Every time the account dispute is closed without the information being updated and tha account being listed as being paid in full,
Consumer complaint received 2018-03-19
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: CURO Intermediate Holdings (CA)

I applied for a loan through a specific online source. The site led me to many others that implied that I had not imputed the adequate information and that they'd need it once more. i was later informed that my credit was deeply damaged because different sources had run a hard credit check without my knowledge. I had only knowingly applied to XXXX XXXX XXXX.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

Hello, I received email with advertisement showed Premier Rewards Gold Card from American Express with Bonus offer : Earn XXXX Membership Rewards Points after you use your new Card to make {$2000.00} in purchases within the first 3 months. 

Premier Rewards Gold Card from American Express Earn XXXX Membership Rewards Points after you use your new Card to make {$2000.00} in purchases within the first 3 months. 
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases. 
No Foreign Transaction Fees. 
{$100.00} Airline Fee Credit. Up to {$100.00} a calendar year for baggage fees at one airline. 
Get a {$75.00} hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/XXXX. 
{$0.00} Intro Annual Fee for the 1st year, then {$190.00}. 
Expanding merchant acceptance : Over 1 million more places in the U.S. started accepting American Express Cards in the last year. 
Terms Apply. 

When I went over American Express Premier Rewards Gold Card Cardmember Agreement, I did not found any restriction regarding XXXX bonus points. 
I normally call to Credit Cards offices to make sure I have all information. 
I called to customer service and asked if they have any restriction for me to apply.. 
Amex representative placed me on hold and a few minutes later reply that I am OK to apply for card with bonus and she can do this over phone. I said that I will proceed online to see result. 
I was approved and spent {$2000.00} within next 90 days. I waited for XXXX bonus points, but 4 weeks later got nothing. My call to Amex got me nothing. Representative said to wait more. I waited to complete billing cycle and still the same result. This time, when I called, Representative made a quick research and told me that I had this card before and not qualified for Bonus. 
When I told her about info from her co-worker 3 month ago, she agreed that it was card with different bonuses, term and condition, and as she remember it was not lifetime restriction on bonus at that time. She said it may be a reason for Representative to reply to me the way it was done : You did not have this card. 
I made inquiry to Higher tier to resolve my issue, however on XX/XX/2018 phone conversation with XXXX bring no result. She apologized for misleading information from her co-worker, but could not bypass Offer Term. She promised to report issue to corporate office for future. 
If trained employee could not explain written policy the same way, how regular customer can do that? 
In my opinion, Bonus of XXXX points have to apply to my account and term and condition should be written the way it not being Confusing or misleading advertising about the credit card. 
Thank you.
Consumer complaint received 2018-03-19
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: LEXISNEXIS (IL)

Lexis nexis is reporting the folling cases XXXX under a XXXX XXXX case XXXX under a XXXX XXXX and case number XXXX I went to all of these court houses to dispute got no where because I am not any of the above people. My name is XXXX XXXX maiden name XXXX XXXX I have had only 2 names my whole life. I spoke to XXXX at lexis nexis his # is XXXX ext XXXX he said my consumer id is XXXX. I have tried several times for them to fix this and it has gone nowhere. Please help..
Consumer complaint received 2018-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Greene & Cooper Collections LLC (GA)

XXXX XXXX XXXX XXXX [ Fraud Department I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that [ XXXX XXXX XXXX XXXX ] absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely, XXXX