davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WI)

Last Saturday, the XXXX of XXXX, I discovered that my loan 's balance had increased by nearly XXXX dollars. As an example : my statement for last XXXX identifies my remaining balance as, " {$9300.00}. '' My most recent statement ( as of yesterday ) now reads, " XXXX. '' On the following Monday ( the XXXX ) I called and spoke with ( XXXX XXXX, who explained to me that apparently someone with a similar name to my own had been having their payments applied to my own account over the last two years. Thus, they reversed a total of 17 payments.

There are three dilemmas here : First, my wife and I have been making longer term financial plans around what they misrepresented as my status. I now have to amend/change my own plans for the future because of their repeated mistakes. 
Second, one of those plans had been to possibly borrow the money to make the final payment that would close the debt entirely. Had I merely made the payment a week ago, I would be expected to pay a considerably lower amount than I would have to today. 
Third, I no longer have any confidence in any of the numbers that my lender presents to me. They had one task to complete, and they failed at it miserably. This is exacerbated by the fact that they took two years to identify the misdirected payments in the first place.
Consumer complaint received 2024-09-02
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. (IL)

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

I DID NOT APPLY FOR THESE ACCOUNTS 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. Capital one also pulled my credit XX/XX/XXXX and XX/XX/XXXX of XXXX. PLEASE REMOVE THESE INQUIRIES AT ONCE. These inquiries has directly has violated my rights. 


I looked at my Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2023-03-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WI)

My mortgage payment was constantly changing every year it would increase. Wells Fargo would say I needed additional escrow even when I had changed insurance companies lowering my homeowners insurance rate. I contacted Wells Fargo several times but could never reach resolution so I gave up. I had mortgage from XXXX XXXX XXXX before selling and in that time making over payments each month I barely paid down the principal. I seen that Wells Fargo recently was caught doing illegal practices with auto and mortgage loans and haven't been contacted. I want to know if I'm owed any money from the settlement.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: First Federal Credit Control, Inc. (OH)

Office visit dated XX/XX/2017 billed XXXX $ was sent to the wrong health insurance. I called them to provide the correct insurance card and they got paid XX/XX/2017. 

XXXX Hospital Billing still reported me to the Collections. 

I called the Collection ( s ) Agency twice to correct the discrepancy but was asked to pay first. 

I refused as I have proof of payment. 

I called the XXXX Billing again and reported the discrepancy few weeks ago. 

I found out that they have not corrected the discrepancy, and because of this, I am getting higher interest rate for home refinancing.
Consumer complaint received 2021-11-29
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hello, I have hard inquiries on my acct that do not belong they are listed below. I would like them removed because they do not belong on my credit report. 
XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - Capital One - XXXX XXXX
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reported this XXXX previous times and trans union refuses to fix this incorrect information XXXX different names are reported on the report, but only XXXX name is required to be reported inwhich is my right name XXXX XXXX XXXX They need to check all spelling XXXX Address has been reported the correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This one I have never lived at this address and this must be removed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I Have Never lived in XXXX
Consumer complaint received 2018-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC. (IL)

On XX/XX/XXXX I saw my XXXX report. There was a collection item furnished by ABR Recovery Services. I had received neither phone calls nor written notice of this debt owed to XXXX. I have never had any business with XXXX. This is not my debt. I called ABR recovery services to inform them that this wasnt my account and they proceeded to give a account number, XXXX which they obtained from XXXX, the original creditor. I reached out to XXXX and they assured me that this wasn't my account and I have ties to this account. I attached a letter from XXXX stated that I am not affiliated with this account in no fashion.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Balance : {$760.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$440.00} XXXX ASST XXXX Balance : {$620.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

I went to https : XXXX and completed the application process. I requested my XXXX Report, which displayed, but I was not able to print or save the report. The same results occurred for Equifax. I can see the reports but I can not get the reports. When I returned to the website using a different device I tried to get the XXXX Report, but the same result -- I can see the report but not get the report.
Consumer complaint received 2018-08-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (NY)

Instead of providing me with the detailed information I requested, about my WELLS FARGO Home Equity Account, they immediately contacted XXXX & reviewed my credit records, each time, on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 
Their credit inquiries are suspicious because these requests have nothing to do with the information in my Credit file. 

Further, WELLS FARGO refused to investigate and correct statement errors, which not only impacted my credit scores and history ; but also affected the balance owed on this account.
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (TX)

Monthly for the past six ( 6 ) months, on the XXXX of every month backward from and including XX/XX/2021, Square  ( also called " XXXX '' ) payment processing service continues using my debit card/XXXX  account numbers to take payments for canceled services. 

As attached emails, documents, and bank screenshots show, every attempt, by me and by XXXX XXXX branch of XXXX XXXX XXXX, to stop these thefts has failed. 

Furthermore, that every contact with Square follows an identical profile strongly suggests that we have not been dealing with actual human beings at all, but instead with an AI ( artificial intelligence ) computer program that was designed to perpetuate fraud by imitating humans, thus deceptively leading complainants to believe that their complaints are being addressed in good faith. This problem is so widespread that the US/FTC recently issued a ruling to cope with it.
Consumer complaint received 2017-11-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Violation of Section 392.101 of Texas Finance Code which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.303 UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( 2 ) collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On my XXXX Credit report " KOHLSXXXX '' ran XXXX hard inquiries on my credit report on XXXX, XXXX, and XXXX. I HAD a Kohls credit card and I always paid it on time, but they closed my credit card account, because my credit score dropped. I NEVER REAPPLIED for a Kohls Credit card. I am begging you to please remove the XXXX hard inquiries from ALL of my credit reports, because it is causing a negative impact on my credit report. 

The XXXX HARD INQUIRIES HAVE were all ran within XXXX weeks from each other. How is that even possible? PLEASE ****validate that this debt belongs to me and please also show me the original contract**** On XXXX I called the Kohls phone number listed on the XXXX website ( XXXX ) XXXX to dispute the XXXX hard INQUIRIES and I spoke with XXXX ( XXXX works at the credit department at kohls ) XXXX advise XXXX to call this number XXXX to dispute the hard inquiries. 

I called the number XXXX advise XXXX and it is the XXXX phone number. I was not able to speak to a customer service associate. 

I called the KOHLSXXXX number again ( XXXX ) XXXX and I spoke to XXXX XXXX number " XXXX. '' I spoke to XXXX and he advise my acount has been inactive XXXX advise he couldnt pull up any information regarding my credit being ran to open a Kohls credit card. ( I provided him with my social security number, name, phone number ) XXXX XXXX to call Kohls charge to get the best resolution XXXX. XXXX. XXXX. 


I called XXXX. XXXX. XXXX and I spoke with XXXX number XXXX. XXXX was very dismissive and rude and told me I needed the FRAUD DEPARTMENT and transferred my call before I could ask a question. 

XXXX transferred my call and I spoke with XXXX XXXX XXXX and he advise he would have someone contact me, because he said my credit was never ran those dates and he didn't see that in his system. 

I have provided you with screenshots of the calls I made to the Kohls XXXX number. The screenshots also show the hard inquries on my credit report from XXXX. A lot of these agents were rude and some of them hung up on me, when I asked them for there name. I believe the Kohls XXXX number has employees out of the country in XXXX, because the majority of the Representatives didnt speak XXXX well and there was a HUGE LANGUAGE BARRIER. 

. Pleasw contact me if you have any questions or concerns. 

XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2021-11-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I am XXXX XXXX and I'm submitting this complaint on behalf of myself and there is NO THIRD PARTY before yall start that XXXX excuse to not review my complaint. The purpose of this complaint isn't to get these accounts verified or validate. 

The purpose of this complaint is to ensure these account be permanently removed from my credit report and for the credit agencies to stop lying, falsely and misleading me about who is furnishing this information that is inaccurate reporting on my consumer report. The Bankrupcty Case Number : XXXX and XXXX list Bankrupcty court as the furnisher and I contacted them and they DO NOT REPORT TO THIRD PARTIES OR ANY CREDIT REPORTING AGENCY. So I would like to know where did you get this incorrect information from because XXXX XXXX is not reportiing this incorrect information. So where is the accuracy and fairness of reporting because it sounds like someone is lying and its not the Courthouse. Not only is this false and misleading but its very inaccurate reporting and has caused me XXXX XXXX  for no XXXX reason and ruined my chances for several home buying opportunities that has caused me financial burden becuase you you choose to ignore right from wrong. You expect me to abide by the law but these credit agencies always ignore the law and do what the XXXX they choose to do well this needs to Stops TODAY. I demand these accounts be DELETED or I will seek legal action
Consumer complaint received 2017-11-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

For the past two years since XXXX 2015 I have been written to the three credit  union 's XXXX, Transunion and XXXX, in regards to XXXX XXXX XXXX, XXXX and XXXX having an account in my report. These are not my account, the debt collector 's has not been able to validate the account 's neither has the credit union. these account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I sign any legal document with my signature binding me to a contract with XXXX or XXXX XXXX XXXX. 

The credit union have been informing me I have to speak to the debt collector 's the debt collector 's tells me I have to request the deletion of my account from the credit union.
Consumer complaint received 2022-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (MD)

I am writing to dispute and alleged debt with NCB management services, After numerous attempts ( letter sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? under the laws of the XXXX these negative items still being reported on my credit report I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me and debt collector. No official document or authority the collection agency has such as a license to collect in my city or state after numerous attempts still unable to get them to verify with any official permission documents that this is indeed my debt Ive enclosed copies of my recent request to the collection agency asking them to validate this alleged debt and the receipts showing that I sent these letters certified signature requested this alleged debt is not mine and I was given no evidence of my obligation to pay. The steps to the collection agency XXXX requires you to verify and validate the items within XXXX days. If the validity can not be verified debt collectors obligated by law to remove the items. I will use the courts as needed to enforce my rights under the XXXX I look forward to CFPB protection and to enforce the law against all perpetrators and violation of XXXX laws. CFPB protect my right to a fair and accurate credit report, also if legal action taken and CFPB find such perpetrators negligent against myself CFPB called as a witness on my behalf.
Consumer complaint received 2021-11-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am XXXX XXXX and I'm submitting this complaint on behalf of myself and there is NO THIRD PARTY before yall start that XXXX excuse to not review my complaint. The purpose of this complaint isn't to get these accounts verified or validate. 

The purpose of this complaint is to ensure these account be permanently removed from my credit report and for the credit agencies to stop lying, falsely and misleading me about who is furnishing this information that is inaccurate reporting on my consumer report. The Bankrupcty Case Number : XXXX and XXXX list Bankrupcty court as the furnisher and I contacted them and they DO NOT REPORT TO THIRD PARTIES OR ANY CREDIT REPORTING AGENCY. So I would like to know where did you get this incorrect information from because XXXX XXXX is not reportiing this incorrect information. So where is the accuracy and fairness of reporting because it sounds like someone is lying and its not the Courthouse. Not only is this false and misleading but its very inaccurate reporting and has caused me XXXX XXXX  for no XXXX reason and ruined my chances for several home buying opportunities that has caused me financial burden becuase you you choose to ignore right from wrong. You expect me to abide by the law but these credit agencies always ignore the law and do what the XXXX they choose to do well this needs to Stops TODAY. I demand these accounts be DELETED or I will seek legal action
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXL-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Equifax has efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX )
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$51.00} XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$0.00} XXXX Amount : $ XXXX Filed/Reported : XX/XX/2019