davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

On XX/XX/2024 I received a letter stating my XXXX XXXX loans qualified for a full discharge. My loan servicer is Nelnet and while these loans still appear on my account and credit report, my borrower 's defense application does show as pending discharge on the XXXX website. 

On XX/XX/2024 I received a letter from Nelnet stating I may be owed a refund. It instructed me to verify my address and stated within XXXX days of address verification, I will receive a refund in the mail or a letter stating why I do not qualify for XXXX. I verified my address via phone on XX/XX/2024. 

The XXXX days have passed and I have received no refund or information. I called Nelnet and all they could tell me is nothing would happen until my loans we're discharged. Why would they list a XXXX day window on their letter if they did not intend to uphold that timeframe? I also emailed Nelnet for an update and never received a response.
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

Today XX/XX/2019 Chase bank closed my account, when I called to figure out what was going on and why they closed my account they said they didn't have to give me a reason. I live 100 miles plus from a Chase bank all the money I have was in that account. I tried to talk to several people and they all said the same thing.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Am not sure who or where your getting data about me from to report on my credit but your recent investigation have removed 2 of my accounts- XXXX XXXX XXXX XXXX  credit card with account number XXXX - XXXX XXXX XXXX XXXX auto loan with account number XXXX correct your report immediately
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I am seeking your assistance regarding this incorrect account listed on my credit report. I am raising this issue because it has harmed my reputation, and I urgently need your help. Your mishandling of my credit report has left me in a difficult position, as the incorrect information has severely damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.
Consumer complaint received 2019-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX a claim was filed on my property for unpaid taxes. As I have never paid a bill late in my life I immediately called the county taxing authority ( XXXX county, PA ) and they advised me that they had received the claim from my local XXXX  ( XXXX XXXX ). I contacted my XXXX and found that they were stating that Wells Fargo had not paid my local taxes in XXXX which I immediately pulled the information online and found it showed {$1200.00} was showing as paid which is an issue as my taxes were {$680.00}. Upon further investigation it has been found that Wells Fargo paid another customer 's taxes with my escrow account, which caused a shortage in my account that adjusted my payment which I have been overpaying my escrow. I was advised 3 weeks ago by XXXX XXXX at wells fargo that this would be resolved the week of XX/XX/XXXX. I had to beg to get my taxes paid and make 11 phone calls to just get my taxes paid. I was informed that I would not need to follow up as this was their error in their tax department and the 8 hours I have spent to beg to get it resolved should not have been necessary. I find that XXXX XXXX is on vacation, the only item taken care of has been my taxes. My payment is still accounting for someone else 's taxes and I have overpaid into my escrow because of wells fargos error and they are still holding onto the overage and have not resolved the issue even after involving the executive team and management. XXXX XXXX has now taken over and offered minimal resolution but a sit and wait mentality- XXXX. His employee XXXX XXXX - XXXX ext XXXX went on vacation when he had promised to call me back to confirm everything was resolved. He clearly knew he was lying and providing a misleading statement when he was not scheduled to work.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my FICO score. 
Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

XX/XX/XXXX received a XXXX XXXX XXXX/ Synchrony Bank statement with a XXXX balance due. The statement contained information on renewing my membership at a fee of {$100.00}. This more than double what it was for XX/XX/XXXX. I determined that was too excessive an increase and contacted the company requesting my account be closed. Because of the non-action on honoring my request for cancellation I received a statement with a balance due amount of {$160.00} the following month. I called the company again and was informed that it would be reviewed and I would received updates on the progress. I did not receive a single update. I did receive past due notices and threats of collection agency actions against me. To date this year I have received no services or made any purchases from the company. My question is why am I being charged for services and/ or purchases that were never made. It is my opinion that the companies lack of action to close my account when requested resulted in these statement fees. This my all be by design but I do not intend to pay for services and/ or purchases that I have not requested or received. 

XXXX
Consumer complaint received 2024-11-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (MA)

I try to get help for unpaid XXXX account which was send to collection agency and For more than XXXX  year no able to renew my license because this. I lost house job I went for leg XXXX and I need my car be able to drive and get my drive license back again this take my way to live and I cant live like this anymore over charge me.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 information requested from the list of acceptable items 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 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-11-12
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. (SC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX  Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX- Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Solar Mosaic LLC (CA)

Two loans were fraudulently applied for in my name and filled out by XXXX XXXX of XXXX XXXX and his in-house staff. These fraudulent loans were submitted to Solar Mosiac to obtain two construction loans. Solar Mosiac then sent XXXX XXXX approximately $ XXXX in XX/XX/XXXX. In XXXX of XXXX, I began to receive notices of a bill for these loans, which also appeared on my credit report ( hard inquiry, and the reporting of two loans approximately $ XXXX each ). I never met XXXX XXXX, nor have I met any of his employees. I never contacted XXXX XXXX, nor have I spoken with any one of his employees. I never authorized XXXX XXXX, nor did I authorize any of his employees, in person or in writing, to check my credit or submit an application for home loan construction. I am not satisfied with just the cancellation of the loans. I would like the hard inquiry removed from my credit report, because XXXX XXXX and his staff at XXXX XXXX along with Solar Mosiac conspired to commit fraud against me. Solar Mosiac refused to fully acknowledge the fraud nor any culpability and responsibility to do good faith business.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 information requested from the list of acceptable items 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 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I al
so request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2023-11-17
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. (TX)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-28
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-12
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. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account XXXX : XXXX XXXX # XXXX
Consumer complaint received 2023-11-17
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. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (TX)

1. My phone number was wrongfully updated in the Discover system. A fraud number was stored in the system as my primary cell phone number. The number was stored in the system on XX/XX/XXXX until XX/XX/XXXX when I finally closed my account. 

2. I got to know about the fraudulent number when I spoke with the closure department, but upon requesting to repeat it they never shared it with me giving security reasons. Me being the customer and the user, the Discover Company refrained from sharing the wrong cell phone number with me. 

3. Upon speaking with the customer support agent today, an honest lady shared the wrongfully updated number with me, saying that the agents may have jumbled up with numbers and stored them. Upon speaking with her supervisor, the supervisor literally lied that the wrong number was never stored in the system. I had to record everything as proof. This is a serious security breach and Im not even sure if it was a jumbling of numbers. They are concealing essential information and Im seeking assistance here. Im a student and I have also paid all their bills off. They have also denied a fraud claim, and I had to pay a total of around {$540.00} from my own pocket for a legitimate fraud that took place. Instead of being responsible, they are just playing with their policies. I am sincerely seeking assistance in this matter. 

I am seeking compensation of XXXX XXXX for the security issue caused by them. Being on the vulnerable end, seeking your assistance in this matter. Please let me know if you need any recordings from my end. 

Yours sincerely
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have had a Kohl 's department store CC since XX/XX/year>. Received by mail information that a new credit card is to be issued by Capital One XXXX. I did not request nor did I want this new card. I inquired with a manager at a Kohl 's store who told me " just don't activate the new card and you can keep using your old Kohl 's CC ''. I did not activate the card nor did I authorize CO to open this in my name. 
I did not use this card, authorize it nor activate it. I received a bill from CO for the amount that I owed Kohl 's CC with a new account number. I contacted the phone number on the back of the card and attempted to speak with someone who I could not understand due to a language barrier. I requested another person and was denied this. I was told ( to the best of my understanding given the language barrier ) that I need to cancel the CO card and reapply to Kohl 's for company card. 
XXXX, this is fraud. CO did not have my consent to open a new line of credit in my name and to rectify this I would need to cancel the CO card ( affecting my credit score which is XXXX ) and reapply. This is reckless behavior by the CC company. 
Through social media I learned that I am not the only one affected and many people are experiencing the same. Tried to contact Kohl 's but was on hold over 30 minutes 2 x.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In proper use of my information per Privacy act 5UCS Capitol One Acct # ending in XXXX {$3800.00} Acct # ending in XXXX {$3400.00}
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NEW YORK COMMUNITY BANCORP INC (MI)

I am a XXXX XXXX XXXX XXXX and was recently garnished by creditor. I bank with Flagstar bank. Upon receiving the garnishment order from the bank I contacted the bank and told them that I was protected by Federal law from garnishment. I told them that the law says that upon garnishment the bank must look at my account for the past 2 months with direct deposit and protect 2 months of my money to live on. They did not respond even with certified letter sent on XX/XX/year>. People that work at the bank agrees with me but said it is not up to them. Even had they contacted me to explain to me why they did not protect 2 months would help with my XXXX. They left me with no money at all. Also they took money from XXXX XXXX that was to help me replace my furnace and that money was also protected.Now the cold weather is here and I don't know what to do. The bank did not follow Federal banking rules. 

Flagstar Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-17
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: ALLY FINANCIAL INC. (DE)

This is my second letter requesting that your company correct your own mistakes. I have received no response from you and yet you continue to report to the credit bureaus, even verifying this account to them when I dispute it. I am well aware that is a violation of the Fair Credit Reporting Act to continue to report information on an account in dispute, especially when you have failed, per the FCRA and FCBA, to verify the account with documented proof. Therefore, I am humbly requesting, once again, that you either verify this account by providing the following information or delete it completely with any and all credit bureaus to which you are reporting.

A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit fraud against me as required by the Patriot Act ( You do take these precautions correct? ) An itemized statement breaking down the balance you claim I owe ; and Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

Thank you for your time and attention to this matter.