davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One acct ending in XXXX is violating my rights as a consumer for this account is not my account XXXX XXXX XXXX. I have filed several complaints # XXXX # XXXX # XXXX on Capital one and has not verified that they have a contract agreement with my physical signature.This a violation of 18 U.S. Code 1341 - Frauds and XXXX I didn't give consent to this account for this isn't mine because there's proof of account is mines. For this also a violation of 12 U.S. Code 5531- Prohibiting unfair, deceptive, or abusive acts or practices. Under 15 USC 1681B therefore I didnt give consent to Capital One to report any certificate of indebtedness to report as income. They are reporting to the credit Bureaus without my consent. Also Capital One, XXXX, XXXX has been selling and trading my ( debt ) securities on the secondary market and profiting without compensation. This also a violation of 18 U.S.C. 1348 XXXX XXXX Securities and commodities fraud is a serious crime under federal law, punishable by a maximum imprisonment of 25 years, plus a fine. 18 U.S.C. 1349 confirms that an attempt or conspiracy to commit a violation of 18 U.S.C. 1348 will be punished in the same manner as a violation of Section 1348 itself. Also as for the inquiries I didn't give consent to the inquiries on my credit report to be reported
Consumer complaint received 2024-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-17
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. (MA)

I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2024-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I did occur injury since time ago XXXX, when I did maintain an appropriate concerns First Republic Bank, attends to a professional business banking account, that did dramatically maintain very rude attends to of malfunction. 

I was after opening an First Republic business banking account, occur to very serious delays appointment applies mine new checking account to of mine professional legal business, " Legal Advisory & Document Company '', named XXXX XXXX XXXX, an XXXX. 

I was informed that day I opened the pro business account, that I would be at fact able receive a temporary, banking debit card, unfortunately I was not provided that card, and was caused upset, inconvenience, by acts this. 
Later I did occur very ill too, by regards I was failed an reasonable timely, delivery of mine First Republic Bank, business checking account, checks. 
" I had been an First Republic Bank account holder, and I had yet, exceed two weeks, receive either mine appropriate to business banking account 's, even that of " temporary debit card '', or for appropriate of business checks ''. 

I did attempt receive a fair remedy for regards the above mention of bank 's malfunctions occur compel mine legal business serious delays to continue at planned professional business, XXXX XXXX XXXX, an XXXX., the jurisdiction, " XXXX  '' coordinate applies to gain of replies U.S. Government, attends Internal Revenue Service , my XXXX company add forms acquire an appropriate jurisdiction {$5000.00} settlement, for each relevant U.S. citizen. 
The above mentioned describe XXXX XXXX XXXX ' " XXXX '' forms, is add here associate that to relevant regards at seriousness a " loss occur '', due fact First Republic Bank did fail provide me with promised to business banking account, debit card, a relative mine professional business checks.

I did because of this above mentioned First Republic Bank 's malfunctions, occur of XXXX of that to upset mine VA doctor diagnosed illness to XXXX XXXX XXXX, associates, compel me use VA prescribed medications. 
I did subsequent the events, here above describe, cause me illness, and to that regards communication further, attempt remedy these banking errors, and of malfunction occur me, with respect the First Republic Bank relative matter banking agent ( s ), did too, occur, " apply request by fax jurisdiction '', and formally, ask for an decent, as by law does require appropriate to acts available, support " Injury Claim Form ( s ) '', type relative insurance provision. 
I did during time more intense was mine injury occur relative fault of bank 's jurisdiction First Republic Bank, request an lawful appropriate injury claim, and that since then XXXX, I have yet received a fair, a lawful respect, claim, for appropriate concern injury, provision should occur lawful, by F.R. Bank.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BMO Bank, N.A. (CA)

I had an unsecured credit card with Bank of the west open in XXXX at some point I got delinquent on my account and Bank of The West decided to close my account and shortly after they started the collection process. Before agreeing to pay my balance owed that was less than XXXX XXXX dollars. I ask if I pay off this balance would they delete it from my credit report and was told they could do that. This was a verbal agreement and I made the mistake of not getting in writing or follow up in writing. 

I paid it and Bank of the West did not honor their end the agreement. I tried to dispute it with credit bureau and was not successful at getting a resolution. 

Bank of the West is not being transparent when it comes to reporting to all XXXX bureaus there appears to be information that is not consistent
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to bring to your immediate attention a serious matter regarding the inaccurate information present on my credit report. After a thorough review of my credit report, I have identified an error that demands your urgent attention and correction. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
Upon reviewing my credit report, I discovered that there is an identity-related entry that does not belong to me. This discrepancy is causing severe harm to my creditworthiness and financial standing. The inaccurate information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to emphasize the urgency of this matter and request that you promptly investigate and rectify this error. This erroneous information is not only damaging my credit score but also poses a significant risk to my financial well-being. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate information on my credit report. I am exercising this right and demanding the immediate removal of the incorrect identity information mentioned above. 
I expect you to conduct a thorough and expedited investigation into this matter and ensure that my credit report accurately reflects my identity. Failure to address this issue promptly will leave me with no choice but to pursue legal action to protect my rights.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (SC)

Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 

According to the above mentioned act and more precisely 20 USC 1232g ( b ) I have the right to privacy when it comes to my education records. section 1232g ( 4 ) ( A ) also includes the definition of an education record and what information that entails. It states that directory information only is to be included in these said reports. 

For example it states ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; record-keeping ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information, as defined in paragraph ( 5 ) of subsection ( a ) ) of students without the written consent of their parents to any individual, agency, or organization, other than to the following It then goes on to break down each exception and consumer reporting agency is not listed as one of the acceptable parties. Furthermore the U.S. Dept of Education does not have my written consent to furnish my information and records to XXXX. 

The act in its entirety is uploaded as proof of claim.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-13
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. (PA)

Equifax Please Remove these Unauthorized Inquiries removed from my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Please Remove these Unauthorized Inquiries removed from my credit report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Company has refused to comply with federal law and consumer laws violating my rights as a consumer. The company has violated my privacy rights under The Privacy Act of 1974. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). Congress advises any of my private information is not for public. The reporting agency is a non governmental entity, meaning Eye must give you consent to report the account to my consumer report. According to 15 U.S. code 6801, 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,15 U. S. code 6802 follows by adding that, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. XXXX XXXX XXXX is a nonaffiliated third-party, therefore they do not have permission to report to my consumer report. There is no contractual agreement of obligation to this debt collection agency for any amount. 15 U.S. code 6802 ( 1 ) also follows to insure the security and confidentiality of customer records and information. XXXX XXXX XXXX  was provided information illegally from XXXX XXXX, which according to XXXX and their privacy policy advises XXXX XXXX will not disclose my information to third parties and other inquirers without my consent. I have never given XXXX XXXX consent to disclose my information with XXXX XXXX XXXX ( a third-party ). According to XXXX, A third party is a person or entity that has no contractual relationship with XXXX XXXX to perform services or act on behalf of XXXX. According to, 15 U.S. code 6802b, there must be 3 disclosures first before any of my information can be exchanged regarding an account and Eye must first agree to having the information of the reported account disclosed to the public. Eye have not agreed to having this account disclosed. Therefore XXXX XXXX XXXX must be removed from my Consumer report and XXXX, Equifax and XXXX a non-affiliated, ( Third party ) of XXXX and XXXX XXXX XXXX must delete the collection account from my consumer report. The collection account with, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB complaint, XXXX XXXX XXXX through XXXX. All reporting agencies XXXX, Equifax and XXXX has continued in their efforts to disregard my consumer rights, violating federal law and privacy rights under The privacy Act of 1974. It is imperative that this matter is resolved immediately and the Collection account is removed.
Consumer complaint received 2024-01-11
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: Experian Information Solutions Inc. (FL)

Unauthorized hard inquiries were placed on my credit report on the below dates XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (DE)

Wells Fargo is refusing to acknowledge they received payment from XXXX XXXX XXXX for my Gap coverage. My car was totaled before XXXX XXXX and my loan is still not closed. The dated check for the GAP was sent to Wells Fargo on XX/XX/XXXX in the amount of {$2000.00} and XXXX XXXX XXXX has record of Wells Fargo cashing that check on XX/XX/XXXX. Wells Fargo is saying g they never received payment. I've been turned down continuously while attempting to get another vehicle so I have transportation to work. Almost 2 months later my loan is still open and I desperately need to get another car and because of this issue, I can't.
Consumer complaint received 2024-01-13
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: WELLS FARGO & COMPANY (GA)

I have provided a FTC affidavit and put this company on notice and this company admitted in the resolution they sent that they some inconsistencies on their reporting on the consumer report then in the next line state they found no error this is a violation and admission of damage and fault to my estate. I demand this account be removed immediately. I am a victim of identity theft and this company has open admitted to giving false and inaccurate information to all three credit bureau. This is security fraud Wellsfargo is doing. I have already been contacted with local lawyer about each consumer violations and im thinking about hiring them if this is not fixed immediately. I have put wellsfargo on notice. This company stated multiple lies and inconsistencies but the fcra says a report must be 100 % accurate but this company has failed in doing so. Plus a certificate of indebtedness as this company has admitted should never be reported to the credit bureau because it would be income but the real facts in the matter is this company is admitting to violating my consumer rights and participating in identity and security fraud. I as for the account to be remove/blocked/deleted not for this company to update their already wrong and inconsistent reporting which is a violation of my consumer protected rights. I have included this companies response to the first complaint In this complaint this will make two times I have put this company on notice for the record
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I applied for credit. The creditor could not access my Transunion credit report because of a freeze/lock. I went to the TU website to unfreeze/unlock my credit report. I was unable to access my account. I called the telephone number provided by TU. I was told there was a permanent fraud lock on my account. I was never notified of this issue and I was told it could not be fixed. I requested to speak to a supervisor and was transferred to XXXX XXXX and was not able to understand the call taker. She told me to call back untill I got someone I could understand.
Consumer complaint received 2024-10-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (IL)

My issues with MOHELA and their shady practices are long-standing. Ive been trying to get my XXXX counts updated for the last XXXX XXXX. Ive done my best to give them grace but the game has changed now that Im attempting to get pre-approved for mortgage. I emailed and called customer service monthly through the entirety of XXXX but was never able to get a resolution. Ive made multiple reconsideration requests and a request for buyback and never got a response. The only time I have a chance is by calling their customer service, where an agent gives an excuse about bureaucratic red tape. This is what happened that escalated this situation for me : 1-try to get pre-approved for mortgage 2-credit report comes back with errors that portray me as a less than desirable candidate because student loans from MOHELA and debts were duplicated on my credit report ( should be 7, not 12 ). MOHELA also reports incorrect information about the life of the loan. 
3-Call MOHELA and after being on hold for an hour, I spent another hour on the phone with customer service. I explain that all the info about my loans ( loan terms, projected payments ) are incorrect on my credit report, along with failure to progress on my previous issues with qualifying for XXXX and being forced into an administrative forbearance and the impact on XXXX.The agent said she submitted forms to all 3 credit bureaus to correct the error but should couldnt provide me with any confirmation that was actually done. The Agent also tells me I might start making repayments in XX/XX/XXXX, but even that is tentative.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

In XXXX XXXX I was looking into buying a home and my broker asked me to run my credit to get my score. I went to Experian and paid {$24.00} to run my credit once and they provided it. I just noticed 10 months later than they have been billing me for an automatic premium subscription that I never knew about and did not authorize. They have billed me almost {$300.00} and when I asked them they said they would not refund me the money because it was in their terms and conditions. XXXX XXXX XXXX also will not consider this fraud and they refuse to refund me the money either as they don't consider it fraud because I requested the service.