davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-05
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (NH)

Since graduating school I have been on the PAYE plan. I learned recently while I was going through the process for re-certification this year that in 2017, interest was inappropriately capitalized to the principal balance of my loans. I remember in 2017 having issues and spending hours on the phone on multiple occasions in order for them to correct their mistakes. It was my understanding that they had corrected everything, and I've only learned now that they never fixed it. 

XXXX XXXX failed to properly process my re-certification paperwork in 2017. They sent me a letter saying that my plan would revert back to the standard payment plan because I had not submitted the required paperwork and interest would be capitalized. I immediately called them to address the issue because I had mailed all the required paperwork a month earlier. Over the phone, after initially denying receiving my paperwork, they eventually admitted they " found '' my paperwork and agreed to not move back to the standard plan and put me on a forbearance until they could process the paperwork. I did not have to resubmit new paperwork, because in fact they had it. This was their mistake in the first place for not processing it. They assured me interest would not be capitalized. Although I did not want to be put on a forbearance because it meant I was unable to make qualifying payments towards my repayment plan, I decided not to start a fight or anything because it wasn't worth my energy at the time. 

Then a few months later, they failed to process my direct debit payment information properly. After reaching out to them with a question regarding my direct debit, I received another communication that they had approved a forbearance request and would capitalize interest as a result of the general administrative forbearance. I again immediately called for them to fix this and again they agreed they had made a mistake and would not put me on a forbearance or charge me interest. I believe this resolved the issue and that interested had not been charged or capitalized for the second issue. 

I only now learned that in fact they did charge and capitalize the interest on my loans with regards to their initial failure to process my re-certification paperwork. This has resulted in incorrect payment and interest calculations over the last 2 years and will continue to cost me money in long-term as they continue to charge interest on the inappropriately inflated principal balances. 

Unfortunately, the XXXX XXXX online messaging inbox does not allow me to access documents from this time period and they have not provided me copies of any of my account documents, but I have attached the emails I received notifying me of new documents in order to show a timeline.
Consumer complaint received 2024-07-06
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. 

Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report CONSOLIDATED XXXX XX/XX/XXXX XXXX OF XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX 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 2024-05-04
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. (MO)

I am writing to address the ongoing issue regarding fraudulent items on my credit report, despite my many attempt to rectify the situation. 

Despite providing substantial evidence and diligently following the prescribed procedures, the fraudulent items persist on my report. This continued presence not only damages my financial reputation but also undermines the accuracy and integrity of my credit history. 

I request that you conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Unpaid Balance {$16000.00} XXXX  XXXX Balance : {$700.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (LA)

I have a free account with experian and I froze my account temporarily because I was concerned about unauthorized activity with my financials. I had finally gotten my credit score up to XXXX. So after unfreezing my credit score it now says I don't have enough credit to have a credit score. I've waited 2 months to see if it would resolve itself or come back but it hasn't. I worked hard to get my credit score to where it was and now I'm not elidgible for anything I apply for without a credit score. Please help!
Consumer complaint received 2024-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (MI)

Chime Debit card. XXXX XXXXXXXX XXXX .this card is not mine. Is being used at ATMs, and making purchases through XXXX XXXX never had an account through XXXX XXXX This debit is not in my bank, and doesn't belong to me. Nothing but it doesn't show me anything in my bank app, but my phone receives txt messages for atm withdrawals and online purchases through XXXX talked to chime several times.iv called XXXX made.my son ssi money is gone all my paychecks.my unemployment.everything .and i heard XXXX names that belong to that card.i belive i was told a XXXX and XXXX.they live in same house.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I recently checked my credit report and there are a large amount of inquiries that do not belong to me. I have reached out to the credit bureau to have these deleted 6 months ago. 

1. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX 2. XXXXXXXX XXXX XXXX  - Date of inquiry XX/XX/XXXX 3. XXXX XXXX - Date of inquiry XX/XX/XXXX 4. XXXX XXXX  - Date of inquiry XX/XX/XXXX 5. XXXX XXXX XXXX XXXXXXXX - Date of inquiry XX/XX/XXXX 6. XXXXXXXX XXXX XXXX- Date of inquiry XX/XX/XXXX 7. XXXXXXXX XXXX XXXXXXXX - Date of inquiry XX/XX/XXXX 8. XXXX XXXXXXXX XXXX - Date of inquiry XX/XX/XXXX 9. XXXXXXXX XXXX XXXX XXXX Date of XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX Date  of inquiry XX/XX/XXXX 11. XXXX XXXX- Date of inquiry XX/XX/XXXX 12. XXXX XXXXXXXX - XX/XX/XXXX 13. XXXX XXXXXXXX - Date of inquiry XX/XX/XXXX 14. XXXX XXXXXXXX - Date of inquiry XX/XX/XXXX 15. XXXX XXXXXXXX - Date of inquiry XX/XX/XXXX 16. XXXX XXXXXXXX - Date of inquiry XX/XX/XXXX 17. XXXX XXXXXXXX - Date of inquiry XX/XX/XXXX 18. XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX 19. XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX- Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX - XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX - XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (KY)

On Friday XX/XX/2019 at XXXX central standard time I set up a funds transfer with XXXX XXXX to put XXXX into my XXXX XXXX bank account it turned out that it was not allowed to do this unless you done it before no where does it say that I was told I wasn't getting any if my money back and I have contacted the ftc Federal reserve bank and department of Justice us attorney office with that being said I was notified by XXXX XXXX   that I will have all money totaling XXXX back in my card in 5 days from the time the transaction took place
Consumer complaint received 2023-03-13
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. (GA)

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAMENT ON MY CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS A LATE FOR PURPOSE.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have recently noticed on my credit report ( s ) that information specifically inquired about information was reported I do not recognized. Several times I have enquired about these inquiries to the bureau 's to no avail.
Consumer complaint received 2023-11-01
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: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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)

I looked at my report. I sent a letter to all bureau asking them to reinvestigate these accounts : XXXX XXXX  XXXX {$13000.00}, XXXX XXXX XXXX  XXXX {$60000.00}, XXXXXXXX XXXX XXXX  they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian, XXXX, really did not reinvestigation they lied on an official document saying they did something they did not do, and I have evidence to prove my case
Consumer complaint received 2024-05-06
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 found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-06
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. (CA)

There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining
Consumer complaint received 2023-11-01
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: Experian Information Solutions Inc. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX  XXXX Balance : {$280000.00} XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX XXXX Balance : {$3800.00}.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I am not liable for this debt with XXXX XXXX. I do not have a contract nor have ever entered into any agreement with XXXX XXXX XXXX, furthermore they did not provide me with the original contract as requested.
Consumer complaint received 2023-11-01
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. (MI)

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 U.S.C. 1681.

Account name XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX ; has violated my rights to privacy. 

- 15 USC 1681 Section 602A 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 information without my written instructions.

- 15 USC 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 USC 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 2023-11-01
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: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-11-01
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)

It has been drawn out that Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath. Here are the ACCOUNTS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

This was a follow up on a previous complaint and request the removal of certain inquiries from my credit reports. The reason for this request is that I will be updating my credit reports within the next 15 days. As per the Fair Credit Reporting Act ( FCRA ) section 605b, credit bureaus are obligated to remove items listed on an identity theft report. Therefore, I kindly request the Credit Bureaus to remove the following inquiries from my reports : EXPERIAN : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023