davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
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. (NY)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

The letters are stated with items and issues.

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 XXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (TX)

XXXX XXXX Closed doors while I was attending. They knew I was 100 % XXXX and promised me my diplomas, and credits. All they did was leave me with nothing, garnishment, bad credit, and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX says being 100 % XXXX that I qualified for loans to be forgiven, or canceled long ago. I turned in all paperwork 3 times to Dept of Education and original lenders. Now they are about to begin garnishing my XXXX check again. US Department of Education needs to help me, please. I lose everything, not just my income, but my home. 
President Biden sent confirmation email I was approved for forgiveness, and now threats again from collections about garnishing my wages. Please please help me. It's as if I never put one college hour in, I attended 4 years, I never got a diploma, credits transferred, or even proof I ever attended college. 
Due to XXXX XXXX XXXX XXXX XXXX, and going through XXXX XXXX this past 2 years, along with having XXXX 3 times, I can't remember one thing I even learned attending XXXX. I was on presidents and XXXX list with XXXX XXXX at XXXX XXXX XXXX. I need answers, I can not live or eat on my income as it is. My credits been ruined behind this. The school closed while attending up through XXXX beginning XXXX XXXX, I'm 100 % XXXX, and will be homeless if this happens. Please get me through to someone that can help me get the loans wiped out. XXXX XXXX XXXX XXXX XXXX to XXXX, owe nearly XXXX, XXXX in loans for a degree I never received, and school closed, not to mention they lied to me from start up till closed down, just trying to take advantage me, knowing XXXX. That's a crime in itself. I need a lawyer, I need pro Bono or class action. Please reach me at number on file here for me. Thank you!
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This is ILLEGAL. I'm asking that all accounts be permanently deleted from my credit report. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing inaccuracies on all of these accounts. Multiple laws have been broken a few are listed below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i. Because of all of these additional infractions I request permanent deletion of all of the listed accounts.
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: TransferWise Ltd (CA)

On XX/XX/XXXX I initiated a transfer of {$25000.00} to Wise Inc with the intent to convert it to XXXX  and use these funds to fund my living expenses in XXXX. After the stated 2-5 days the status changed to " We're running some checks ''. 

For the 30 days I patiently waited ; I didn't receive any correspondence from them. There had be no attempt to contact me ( phone, email or letter ). So I contacted them on XX/XX/XXXX to enquire the status of my money. I received a generic response stating it could take up to 30 working days or longer- with no other details. 

On XX/XX/XXXX I opted to cancel my transfer in hopes to have my money refunded. They told me that the " regulatory checks '' need to complete and can take any amount of time. 

I need this money to keep the lights on. This behaviour seems unethical and disgusting, even if it was only for a few XXXX dollars - this is my money and if I don't wish to use their bank then I expect it to be returned. If they have any issues they can discuss with my bank - XXXX. Holding a persons money hostage because they have the right is outright abuse to the consumer.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I just reviewed my Consumer report from Equifax ( XX/XX/2023 ) and I have noticed that there is still an unverified account that I have disputed last month. The Consumer Reporting Agencies have assumed a crucial role in handling and reporting Consumer Information to the best of their abilities so that all information that is being reported is Complete and Accurate. This XXXX XXXX account has been opened up without my consent and I had no knowledge of it until I saw my credit report. I have filed identity theft with the FTC as well as the CFPB. I have asked Equifax to verify this account but they have not provided me any documents that are on file nor have they given to me the name of the representative who verified this account or how they verified this account. I take my privacy as well as my consumer report very seriously and request for a re-investigation. .This account is True identity Theft. 

AccountXXXX  XXXX XXXX Issue-True Identity Theft Solution-Delete Account for True Identity theft which has not been verified on a Consumer Report. 

Please investigate this account. If i am remiss then please provide me proof with billing statements, Signature from contract showing the Complete history. If proof can not be provided, then I demand this Account be removed immediately from my Consumer Report. This one fraudulent account is hurting my ability to obtain a mortgage and is destroying my life. 

Thank You. 

XXXX XXXX
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

See attached documents detailing a reinsertion of previously deleted items which is a BLATANT violation of my consumer rights. This item was originally reported and was removed due to inaccurate reporting. This same item has now been reinserted onto my credit profile by XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. This also violates my consumer rights under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court proceedings such that of Dixon-Rollins v. Experian Information Solutions
Consumer complaint received 2023-06-04
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. (OK)

Cash app has three ledgers on its website that list account transactions. 
1. An activity log on the home page of the app. 
2. A monthly statement available at the end of each month that is accessible as follows : from the homepage of the app, select the profile icon at the top right hand side of the screen, scroll down and select documents, select statements, select account statements and select the month. 
3. A csv ledger ( on the cash app website ). Go to cash.app, select download transactions-file with all of your transactions. This pulls up an XXXX spreadsheet more detailed than the other two ledgers. 

There is a transaction in the csv ledger of my account that shows a purchase from XXXX on XX/XX/2023 for {$440.00}. I did not purchase anything from XXXX on this date, or any date, for this amount. I have chatted with customer service, emailed customer service managers and spoken with customer service on the phone, all on multiple occasions, everyday for the past six days. Each time, I tell them that this transaction does not look familiar to me and I would like it explained. They refuse to answer my question. In their most recent correspondence they stated that they could help me with anything else but were unable to provide additional support and will be closing your case. 
I will send a copy of the ledger that contains the transaction in question, and emails supporting my complaint. 
Thanks so much for your help with this issue.
Consumer complaint received 2024-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (PA)

There is a pending sheriff sale scheduled on my home on XX/XX/year>, and I have a pending PA HAF application. My HAF ID is XXXX. PA HAF sent a debt verification to the servicer of my mortgage, PHH. The servicer responded with a debt verification of {$55000.00}. The PA HAF screenshot of the XXXX is attached. 
I requested a reinstatement quote. The reinstatement quote is attached. It says that the reinstatement amount is {$38000.00}, which is under the PA HAF. I called the servicer on XX/XX/year> and XX/XX/year>. During the first call the representative told me that the reinstatement amount was {$40000.00}, but that to reinstate I did not have to pay the late fees, so the reinstatement was {$38000.00}. The representative explained that the other expenses were not required to reinstate and that I could reinstate for {$38000.00}. He also noted that PA HAF was pending. Despite that, the servicer would not postpone the sheriff sale, and I had to appear at the hearing to postpone the sale. 
On XX/XX/year>, I sent a notice of error, which is attached. I again am asking that PHH respond to the debt verification with the correct reinstatement amount, so that I can save my home. A home that has been in my family for years. 
During the second call, the representative told me that the foreclosure was on pause and that the sheriff sale would be postponed. Despite that call, PHH did not communicate that information to their counsel. 
Onity Director, XXXX XXXX, indicated that this matter would be escalated. However, she followed up to share that the sheriff sale will not be postponed and that the HAF application has been denied. She has not provide an additional information after being sent the reinstatement quote and the CDF screenshot.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, as they are clearly in violation of the law. According to 15 USC 1681b, which pertains to the permissible purpose of consumer reports, the law explicitly states the following : ( a ) IN GENERAL : Any consumer reporting agency is allowed to furnish a consumer report only under the following circumstances and no others : ( XXXX  ) In accordance with the written instructions of the consumer to whom it relates. 

I want to bring to your attention that I did not provide any written instructions to Experian to include certain information on my credit report. Therefore, their actions are in direct contradiction to the law stated above. 

Additionally, as per the Fair Credit Reporting Act ( 15 USC 1681 ( 2 ) ( a ) ( i ) ), exclusions from a consumer credit report are clearly defined. The Act specifies that the term " consumer report '' does not include the following, except as provided in paragraph ( XXXX ) : ( A ) Subject to section 1681s-3 of this title, any report containing information solely as the transactions or experiences between the consumer and the person making the report. 

I request that Experian promptly updates the late payments on my consumer report, as their failure to do so is a violation of 15 USC 1681. Furthermore, I insist that they provide a free copy of my report after the necessary changes have been made. 
The accounts are XXXX XXXXL XXXX, XXXX Failure to respond satisfactorily to my complaint and to comply with the aforementioned requests will leave me no choice but to pursue legal actions against Experian. In such a case, I will seek {$1000.00} per violation for the following charges : Defamation of Character Negligent Enablement of Identity Fraud Violations of the Fair Debt Collections Practices Act ( 15 USC 1692g ) Violations of the Fair Credit Reporting Act ( 15 USC 1681 ) for willful noncompliance I appreciate your attention to this matter and kindly request that you investigate this complaint against Experian. I trust that the Consumer Financial Protection Bureau will take appropriate action to ensure the enforcement of consumer protection laws.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

XXXX during COVID 19 Cares act is using information more harshly against XXXX XXXX. Everyone from expert XXXX, XXXX, XXXX and XXXX do nothing to protect the consumers rights under COVID 19 Cares act. Spoke with some XXXX who claims she will check into this however when it happened I called and was assured the late payment would be removed that is driving my XXXX score down. Being XXXX Im needing the bathroom remodeled from r my ability to take showers. XXXX, XXXX, XXXX and XXXX only protect the business which is why XXXX  is being done away with as it is.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2022-11-15
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: Avant Holding Company, Inc. (TN)

I was approved for a credit card on or about XXXX for a credit card with a XXXX $ limit. I submitted my consumer credit application signed all necessary documents given and signed and submitted my promissory note for acceptance. Avant accepted my application and note issued a line of credit and also ran my credit for a hard inquiry. Within a week i get an email promoting me to give a call to a representative for no exclaimed reason. A few days later i get another email that headers notice of adverse action. in this letter it explains if i wanted an explanation as to why the account was adversely affected i would have to call in for an explanation. On XXXX I called into customer service for an explanation the representative explained she couldn't tell me why the card was blocked and that i would still have a hard inquiry on my credit report. This lowers my appeal to new lenders and affects my ability to get new credit. I was never given reason as to why my credit line was blocked/ or adversely affected. That is a violation under 1681b ( 3 ) ( f ) ( i ) permissible purpose for procuring a credit report with no equity. this transaction wasn't equitable to me the consumer. 12cfr 1002.4 i was also discriminated against.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

There is a previous complaint several with cap one and closing the complaint process before a response can be made I am attaching bank statements and a cap one statements that reflects a returned payment of {$110.00} added onto my credit card balance XXXX payments were made in the amount of {$140.00} and {$37.00} the {$140.00} payment shows uP and not the additional {$37.00} payment total payments were {$180.00} on account ending in XXXX and an {$80.00} payment on account ending in XXXX when i mentioned a compromise with cap one dating back to Neiman Marcus in XXXX With cap one my account XXXX as charged off that is negative reporting on my credit files
Consumer complaint received 2023-09-15
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.