davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments.

I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I recently checked my credit report and noticed a perkins loan from on my credit reporting as XXXX University. I contacted XXXX University and they informed me that the XXXX is not with them and it is XXXX XXXX loan. 

I have no knowledge of repayment and the creditor did not inform me before submitting the information on my credit report. This level of negligence go against the FCRA. I have asked the Credit bureau Experian to verify the account and they informed me that the account is accurate. The contact number provided on this account is incorrect as well. 

Due to inaccuracy on this report I demand that this account remove from my credit report.
Consumer complaint received 2024-08-21
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) remove from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

On XX/XX/2023 I submitted an official complaint with the CFPB against Nelnet for negligence on their part by adding {$14000.00} to my loan amount that I did not owe. 

The reason Nelnet added this was because they inadvertently sent me duplicate refund checks. I only cashed one set of checks and I was called by Nelnet to destroy the other copy, I complied with destroying the second set. 

Fast forward after many hours on the phone with Nelnet over the course of literal years, I filed a complaint in early XXXX. After many more phone calls and correspondence the issue was partially resolved nearly 3 months later, in late XXXX, XXXX. 

However, the resolution to this issue is STILL not correct. Nelnet was charging me interest on the {$14000.00} the entire time that I should never have been charged. Additionally Nelnet charged interest on the payment of {$14000.00} that was applied to my account when they fixed the error. 

Nelnet must remove all interest that was charged during that period on the erroneous amount that was added, and get rid of the interest from the payment itself that was applied. 

This issue has caused me unfair financial suffering, countless hours spent trying to resolve this issue, stress, and impact on my credit report from it reporting that I owed a debt which I did not owe. This means that loans I took out during this time showed this as a debt I owed potentially making the interest rates on those loans higher. 

Additionally, their minimum of 2-hours on hold to get through to customer service and many hours more spent re-explaining this situation every single time to the representatives without ever being given a direct line to someone for my serious and stressful situation. All of which Nelnet NEEDS to compensate for these hardships.
Consumer complaint received 2024-04-25
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Equifax for their failure to respond to my dispute within the legally mandated 30-day timeframe, as required by the Fair Credit Reporting Act ( FCRA ). On XX/XX/, I submitted a dispute letter to Equifax addressing inaccuracies in my credit report. The items in question include : 1. XXXX - XXXX 2. XXXXXXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX 4. XXXX XXXX XXXXXXXX - XXXX 5. Bankruptcy Reference Number : XXXX Additionally , I raised concerns about incorrect personal information such as names and addresses. Despite my timely submission of the dispute, I have not received any response from Equifax as of today. This is in direct violation of the FCRA, which requires credit reporting agencies to investigate and respond to disputes within 30 days. I am attaching a copy of the dispute letter sent to Equifax as proof of my complaint.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I am writing to dispute the late payment reporting on my credit report associated with XXXX XXXXXXXX ACCNT XXXX XXXX XXXX for the dates of : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Upon calling XXXX XXXX directly. Their records did not match that information. 

I firmly contest and request these entries as inaccurate and invalid information. 

According to the Fair Credit Billing Act, privacy and consent exclusion specified under Section 15 USC 1666 b This transaction does not need to be reported.

Thank you for your prompt response and resolution towards this matter.
Consumer complaint received 2023-08-29
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. (MI)

I have previously submitted complaints under the fair reporting acts under consumer protection laws showing the inaccuracies on my credit report. I have provided the documentation from Experian, XXXX, XXXX that the accounts below do not even have my legal name on them. I have filed an identity theft report and will provide that documentation attached to this complaint. 

My legal name on my birth certificate and social security card is XXXX XXXX XXXX XXXX On the accounts listed below there are inaccuracies. 
In accordance with the Fair Reporting act. The list of accounts below have 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Selection 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from attaining new auto loans, credit cards, and funding for me and my family to provide a better life here in America.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-12-02
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: FC HoldCo LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLAGSHIP CREDIT ACCEPTAN XXXX XXXX XXXX XXXX XXXX. XXXX In accordance with the Fair Credit Reporting act, the list of the accounts below has violated my federally protect 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] : No consumer reporting agency my 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.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( A ) Reporting information with actual knowledge of errors. 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.

Delete the accounts below
Consumer complaint received 2023-12-02
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX CAPITAL ONE Credit Cards XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX In accordance with the Fair Credit Reporting act, the list of the accounts below has violated my federally protect 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] : No consumer reporting agency my 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.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( A ) Reporting information with actual knowledge of errors. 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.

Delete the accounts below
Consumer complaint received 2024-06-27
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. (NY)

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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : 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 2023-12-21
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: EQUIFAX, INC. (OH)

Hello, My Dispute involves a Negative comment reporting on my credit report for the last 16 Years that I would like removed. 

In XXXX my Husband and I filled Bankruptcy. The Bankruptcy was discharged that same Year. We had a mortgage with XXXX XXXX XXXX and loan and we wanted to keep our home so we " Reaffirmed '' the debt ''. 

The loan was paid in Full and closed in XXXX of XXXX. The concern is that XXXX XXXX continues to report that the mortgage debt was " reaffirmed ''. It has been over 16 years and this negative comment is adversely affecting my credit score. EQUIFAX is showing a low FICO score and indicating a bankruptcy is affecting my score, however the Bankruptcy in and of itself is NOT showing on my credit report just the " REAFFIRMATION '' of the debt. I have asked " XXXX '' to remove the comment and they are indicating the it is Equifax 's responsibility to remove Negative comments after 7 years. It has been 16 years of reporting this negative comment. Please help. 

Equifax says that XXXX XXXX is responsible for moving this comment and " XXXX '' insists that Equifax remove the comment. This back and forth has been ongoing for the past 6 months - The comment gets removed, then gets put right back on. This is affecting my credit score. 

I need this comment removed as it gives the impression that bankruptcy has been filed recently, and again negatively affects my Fico score.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX  XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1400.00} {$0.00} {$990.00} Credit Limit : {$750.00} {$750.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance. 
Unpaid balance reported as a loss by credit grantor. 
Account legally paid in full for less than the full balance. 
Settlement accepted on this account Paid charge off Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 Experian 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 2024-04-25
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)

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 informationisinaccurate.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One offered me a Spark Business credit card. I applied to the offer and was approved with a {$20000.00} credit limit. I subsequently received a security notice that the account was restricted and I needed to call. I did so and was told to upload documents. Only 10 documents were allowed. 

I then received a call back from security and they asked for more documents with different requirements. I even opened a personal checking account at the billing address as they instructed. I then attached more documents as requested. 

I then received yet another call back from security and they asked for yet more documents with different information. Capital One went so far as to tell me to put my personal name on the business bank statement. I do not think this is legal. a business checking account has a business name, not an individual. Further the business address is not the same as my address. So why does Capital One want me to do this?
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (PA)

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 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 2023-12-02
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account # 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 Thank You
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ).

The following account listed on my credit report have violated my rights : XXXX Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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.