davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
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. (IL)

These accounts have led to the deterioration of my credit score and have directly resulted in my current living situation in a shelter. The following collection accounts, which do not belong to me and were not authorized by me, have severely affected my financial well-being : 1. Account Name : XXXX Account # : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$700.00} Date Opened : XX/XX/XXXX 3. Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$78.00} Date Opened : XX/XX/XXXX 4.Account name : XXXX XXXX Account # XXXX Balance : {$8800.00} Date open:XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX Date open : XX/XX/XXXX Balance : {$380.00} The inclusion of these inaccurate and unauthorized accounts on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623. These entries have not only damaged my credit score but have also adversely affected my housing prospects, preventing me from securing a suitable apartment and forcing me into a shelter. 

I demand an immediate and thorough investigation into the origin of these accounts. Should this matter not be resolved in a timely manner, I will be compelled to seek legal action against the involved parties, including both the creditor and the credit bureaus. Furthermore, I hold the right to pursue damages for the financial and emotional distress caused by the negligence and violations of the FCRA.

I request the immediate removal of these accounts from my credit report and a written confirmation of the removal within the time frame required by the FCRA. Enclosed, please find copies of my credit report sections highlighting the disputed accounts and any additional supporting documentation.

Your prompt attention to this matter is imperative, and I trust that you will handle this dispute with the urgency it deserves.
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (TX)

15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit Bureaus stated that my account 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 inaccurate. This is grounds for removal and the 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 A. Section 2 It also state a consumer reporting agency can not furnish an account without my written instructions. 

The initial investigation contact letter was sent via certified mail ( Tracking # XXXX USPS ) The credit report was initiated XX/XX/XXXX, that showed no change and same violations.
Consumer complaint received 2017-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (NV)

I submitted an income-based repayment plan application in a timely manner in XX/XX/2016. 
Nelnet student loan servicing has mishandled my account over 8 times. 
I have been contacting them about their erroneous charges ( I am a XXXX veteran with XXXX dependent ) since XX/XX/2016. They insist that I owe them {$400.00} ... or {$10.00} ... or XXXX . They offer no logical reason for their continued mistakes and legal chicanery. 
I have been wrongly steered into Forbearance on Multiple Occasions. 
they ca n't seem to Understand that I pay {$0.00} as I have been for the past 3 years. Help!
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In order to REMIND the TransUnion Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that TRANSUNION BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items. XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXBalance Owed : {$0.00}.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XXXX XXXX On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. 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. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-08-02
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: U.S. BANCORP (FL)

I received emails with personal loan offers that clearly stipulated that finding out my " rates '' WILL NOT affect my credit score as it won't be a hard inquiry. If I decide to go through with the application and select a loan product, then that's when the hard inquiry will occur. Well come to find out, they accessed my credit report ( hard inquiry ) without my concern, especially since I didn't select any of their personal loan offers given the sky high interest rates. I'm shocked to find that they have pulled my credit, and used it in ways I NEVER consented to. This includes XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, MidFlorida, XXXX  XXXX.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (WA)

I received an alert of a collection bill I checked my credit report and seen that this account from XXXX has report that I owe them which isnt true this isnt my account which I disputed back in XX/XX/XXXX and the item was removed now we are here in XX/XX/XXXX and they have place this account back on my credit report with a different balance. This has dropped my score so very much and this just isnt fair and something need to be done about this. Again this is not my debt and it should not be on my report.
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (TX)

I would like to draw your attention to XX/XX/XXXX, XXXX I had sent my complaint letter to East West Bank , in which I clearly stated how this scam has affected me personally, psychologically and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, East West Bank never acknowledge my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. 
The attached document has all of the dates and amounts.
Consumer complaint received 2023-10-30
Product: Credit 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: JPMORGAN CHASE & CO. (TX)

I purchased virtual items on XXXX but within two months, XXXX was shut down, making me unable to use it. I contacted the credit card company to request a dispute on all purchases made on XXXX but the credit card company refused to allow me to use it.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Consumer complaint received 2023-05-03
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. (PA)

Concerning Account # XXXX, # XXXX, # XXXX, and # XXXX I do not recognize how these four accounts are reporting on my credit report. I do not recognize the account numbers, account status, account high balances, or late payments associated with them. Everything reported here does not meet FCRA. 

Additionally, these accounts are listed as a charge-off on my credit report, however a balance is still being reported. I never received a 1099-C any of these four account. 

Furthermore, each account is riddled with inaccuracies across the three credit bureaus. These accounts must be removed for this fact alone. I am entitled to a fair and accurate credit report and this is far from it.
Consumer complaint received 2017-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (WV)

Fedloan servicing reported XXXX of my unsubsidized loans as " paid in full '' and removed them from my credit report following a loan payoff. Recently, they " reopened '' them with a balance of several cents and put them into " repayment '' status, with no explanation. I am currently in school full time. They have not responded to my inquiry. I wish to have these loans closed again since they were paid in full.
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. (KY)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Account Number : XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter
Consumer complaint received 2024-09-11
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. (TX)

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 2017-04-04
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

So I signed up for the care credit account when my dog required XXXX, the amount was roughly XXXX. I set the account up for automatic withdrawal and after 2 yrs thought I must be done. I called synchronity put in my social and the message informed me my account was paid and up to date. I then cancelled the automatic withdrawal from my account. Within a few weeks I was sent a letter my account was overdue, I called and spoke with a representative who informed me that after 2 years of payments, I actually owe XXXX more than the original because I did not pay in time. What?????? OK so how will you work with me for payments considering that is unjustified. We will not, I refused to pay and now I 'm receiving collection letters. Help please unfair and unjust!!!!!!
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, As a disgruntled consumer, I demand to be informed of the meticulous measures your organization undertook to validate the accuracy of these items by 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. The law mandates that a consumer reporting agency must furnish to the consumer a detailed account as mentioned in section 15 USC ( 6 ) ( B ) ( iii ) - a notification stating that upon request by the consumer, a comprehensive explanation of the process utilized to ascertain the precision and integrity of the information must be supplied by the agency, which includes the name and address of any information provider consulted regarding said information and the contact number of said provider, if reasonably obtainable ; no later than 15 days following the reception of the consumer 's request for said explanation. I previously contacted your company to inform you that I am a XXXX Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-11
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. (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. 
XXXX, XXXX, XXXX Experian 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 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 accurate.
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. (NV)

On XX/XX/2024 I placed a complaint with the consumer finance protection board ( complaint XXXX ) regarding a collection from XXXX XXXX XXXX . In the response to the complaint, XXXX agreed to remove said collection from my credit report. 

XXXX said the following ; Credit Bureaus were updated and withdrawn XX/XX/2024. To validate the removal we recommend visiting Experian, XXXX, or XXXX. 

After furnishing this information to Experian, they refuse to remove the collection from my report when the debtor themselves says this information should not be there.