davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

On XX/XX/XXXX, I initiated a student loan refund request with Nelnet for the payments made during the eligible period covered by the COVID-19 payment pause, for the sum total of {$6100.00}. Nelnet later informed me that my refund request had been approved, and the loan balance was reinstated on my account. However, I never received the check. I understood that things were delayed, so I waited. No check arrived. On XX/XX/XXXX, I called to ensure that the check was on its way. I was told that the check had been mailed back in XXXX. I told the Nelnet representative that the check never arrived at my house, and asked them to do a stop check and reissue. I confirmed that the address they had for me was correct -- it was. The representative informed me that the check would be reissued. However no check arrived. Meanwhile the loan balance of {$6100.00} was sitting on my account. On XX/XX/XXXX, I called again, and was told that the request for a check reissue had never even made it to the " research department '' for investigation. I was told that the research department would be calling me within a few days to follow up with a few questions. No one ever called me. A week later, on XX/XX/XXXX, I called again, and was told once again that the request was likely waiting with the " research department ''. I asked if I could speak to the research department directly, and was told no. I asked if the representative could speak to them directly, and was told that the representatives in different departments are not allowed to directly contact each other at all. The research department has apparently been unresponsive to the customer service representatives, but no one is allowed to call them. I said that the next step for me would be to file an official complaint, because at that point they are saying that I owe them {$6800.00} which they never refunded to me, a loan balance which has been sitting on my account since XX/XX/XXXX and for which they refuse to do a simple stop check and reissue to remedy the lost check. Not only that, but they refuse to even submit the request to the proper department. They continue to say that they " are working on it '' but the request is going nowhere and not even being addressed by the people whose job it is to address it. Meanwhile this {$6100.00} debt balance is on my credit report yet I have not seen the refunded money.
Consumer complaint received 2023-04-24
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MI)

This is my second time submitting this claim, because American Express responded to my first claim as my name did not match. 
My name is XXXX XXXX, and I have a XXXX XXXX American Express credit card ending XXXX with a credit limit of {$1000.00}. 
I am writing to formally dispute the increase in the annual fee on my American Express credit card ending XXXX. I was surprised to find that the annual fee has been increased to {$650.00} without my prior acknowledgment or agreement. 

I contacted them through their online chat and explained that I was not aware of this increase, nor did I agree to it. I requested a confirmation, but the American Express online chat representative could not validate or confirm that I have agreed to the increase. See attached conversation dated Saturday XX/XX/year>. 
The representative said : " On XXXX XX/XX/year> we increased the annual fee to {$650.00} '' Then said : " We've sent you communication last XX/XX/XXXX ''. It is unfair, and I find it highly deceptive trade practice to increase annual fees 50 % greater than my credit limit. 

To comply with the Fair Credit Reporting Act ( FCRA ), and Consumer Financial Bureau laws, I am requesting : 1. Documentation that substantiates my Acknowledgment and Agreement to annual fee of {$650.00}.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am writing in response to your recent communication dated XX/XX/year>, in which my request to block information in my credit report due to identity theft was denied. I submitted a valid Federal Trade Commission ( FTC ) Identity Theft Report and all the required supporting documentation, as mandated under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. According to the FCRA, upon receiving a proper identity theft report, the credit reporting agency must block the reporting of information resulting from identity theft within four business days. Your letter claims that my request was denied because the information was either ( 1 ) submitted in error, ( 2 ) based on a material misrepresentation, or ( 3 ) I knowingly obtained goods or services as a result of the transaction. These claims are inaccurate, and I dispute your refusal to block the information as required by law. Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block any information that the consumer identifies as resulting from identity theft when : The consumer provides appropriate proof of identity, The consumer submits a valid identity theft report ( which includes the FTC affidavit XXXX, The consumer clearly identifies the fraudulent information, and The consumer requests the block in writing. I have fully complied with these requirements by submitting an identity theft report, supporting documentation, and the necessary written request to block the fraudulent items. I also provided all relevant information identifying the disputed items. I received from Transunion and XXXX an that states that the block I requested was invalid due to some information as payments made on that account although the I was a victim of the id theft and the suspect actively paid off my account and opened more accounts with my information and I had not noticed what was going on for over 4 years until my score dropped. I am not really tech savvy and dont pay attention to such things and never thought I could be a victim of identity theft and under FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency Transunion & XXXX block the information appearing on my credit report, which is the result of identity theft. The fraudulent information includes the Affirm account with an amount of {$680.00}, the XXXX XXXX XXXX XXXX account with an amount of {$4300.00}, and the XXXX XXXX  account with an amount of {$6800.00}. Additionally, a second XXXX XXXX  account under account number XXXX with an amount of {$10000.00} is also fraudulent.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-08-01
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: EQUIFAX, INC. (NJ)

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 2024-09-18
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. (MI)

I am writing to formally resubmit the complaint to TRANSUNION regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Consumer complaint received 2024-09-18
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. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-08-26
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. (FL)

I just recently looked at my credit report and noticed some fraudulent accounts appearing on it. Reinvestigate and remove the accounts listed below. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 168i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I received an update from XXXX showing that my account had dropped from an XXXX score to XXXX due to a delinquent Kohls account. When I checked my Kohls account last month, it actually had a credit on it, so no payment was due. 

However, upon checking today, I had a {$2.00} delinquent balance. I have no idea where this charge came from, as I haven't shopped at Kohls for several months. I paid the balance, but am not sure how to rectify the issue.
Consumer complaint received 2024-08-26
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. (FL)

Following 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 accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 or 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 ) ( a ) 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. 

Please delete the accounts listed below : - Creditor name : XXXX XXXX Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name XXXX XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXXXXXX XXXX XXXXXXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXXXXXX XXXX XXXX Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX XXXX Date of the inquiry : XX/XX/XXXX.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion is reporting inaccurate personal information on my credit report file. I have sent out multiple letters to correct this. Date of letter XXXX. I have also sent proof of correct address. I only have XXXX current address and never lived at any other address listed. CFPB please help me fix this problem.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am disappointed by how my complaint has turned out, as your response was not enough to justify the inaccuracies being reported on my accounts. My credit scores have not progressed and this is because these accounts are not being removed- which I have requested for you to do so.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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 DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED - XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NM)

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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My XXXX XXXX is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> I received a notification at XXXX that my account was overdrawn by XXXX. Per Chase policy I have until midnight to bring the balance under XXXX dollars to avoid the XXXX overdraft fee. 

At XXXXXXXX XXXX I deposited XXXX into my chase account bringing it to a positive balance of XXXX. My account was in the positive past midnight. After XXXX  on XX/XX/year> more charges processed. Which placed my account in the negative. 

However what chase did was they went back as they always do with their predatory practices. They backdated charges that were not on my account or included in the total from XXXX. It totally reworks the balance and they made it seem as if I had been in the negative for the past 2 days and they hit me with XXXX different XXXX XXXX fees. I have proof that after midnight my account was not in the negative as I made another purchase in the amount of XXXX and the negative indicator did not come to my phone as it does any time it goes into negative. 

Outside of that another transaction processed at XXXX XXXX for XXXX. Which at that time my account would have been in the negative on XXXX for XXXX. But as I stated they do a reallocation of charges and the system ensures that they can charge you the maximum number of fees for revenue. When in fact per their written policy I should have had until XXXX on XXXX to bring my balance current. 

I have screenshots and proof of my online banking
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report.
Consumer complaint received 2024-08-01
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: EQUIFAX, INC. (SC)

I recently received a copy of my 3 Bureaus consumer report and I noticed inaccurate information posted on my consumer report : XXXX XXXXXXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}