davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Nelnet, Inc. (VA)

It originally started with my mother calling me because XXXX XXXX called her and indicated she was looking for her daughter in reference to a debt she owed. This immediately made me call the number back and advise XXXX to take my mother 's number off the call list, and inform XXXX that she had violated my rights by telling my mother i owed a debt. XXXX than begin to say she would now place my work phone number up there and XXXX hung up the phone. I then began to receive over 3 voicemails from this company at my shared office phone number. My manager forwarded them to me. I called and spoke to a " XXXX '' he refused to give me his full name or spell what he was saying so I dont even know if that name is correct. He also refused to give me XXXX XXXX XXXX, and he refused to let me speak to a manager or disclose the name of the owner to me when I asked for corporate information or supervisor information. Also XXXX lied to me, I asked him how did they even get my work number, he says you put it in on the application when you applied for this loan. XXXX told a flat out lie, as I have only been in this new job for less than 30 days, so it is no way I would have placed this number on the application as i didnt even have this job when i took out that loan. I told XXXX that although I owe a debt him and XXXX are using the wrong tactics to collect it and that I know my rights, as I did debt collection before when i was younger. XXXX then tells me he has been doing debt collections older than my age. I told him he was not supposed to be using personal information like my age, he then reads the credit file and tells me that I am XXXX and he has been doing this for 30 years. I have to file a complaint this company is not doing right and is violating peoples rights. THe email address is XXXX the phone numbers they have called me, my mother and now my workplace at are : XXXX and XXXX. Someone please help me this experience was horrible and they are violating so many rights.
Consumer complaint received 2023-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (CA)

The worst part is that a one-time payment agreement of approximately {$3000.00} was made for all the procedures, but the dentist kept sending bills. Despite my mother 's active attempts to communicate and resolve the issue, nobody took responsibility, and there was constant evasion. Promises of a refund were made at one moment, followed by refusals to answer calls or provide any resolution.
Consumer complaint received 2024-05-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (AZ)

The loan has been charged off and sold and traded over the secondary and primary markets. Santander XXXX XXXX XXXX possesses no rights to the vehicle, the vehicle has been paid in full.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-05-30
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: DIGITAL FEDERAL CREDIT UNION (GA)

I have been trying to get relief assistance with my loan company for over a year due to no avail. I informed them that after being sick with XXXX  which affected me for almost a year I wanted to apply for a wellness program to assist with my payments. I emailed documents and nothing ever happened. I was then told I was denied. No specific reasons after payments were made as well as I had met the threshold of default. I was then told that it was too late to apply for the assistants. I was then told to pay XXXX dollars In XXXX XXXX XXXXXXXX and I would be submitted for assistance and that did not happen either. I applied for the wellness program In early XX/XX/XXXX and again in XX/XX/XXXX to no avail. even after making loan payments.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

As per checking on my credit report last XXXX months ago, I saw these inaccurate addresses and name on the personal information section of the report. I tried contacting the credit reporting agencies by sending them letters requesting to remove these information because they are not mine. Upon checking my latest report last XX/XX/XXXX, these incorrect information are still there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

Company is unable to provide the credit due to its own liability. 
requesting the credit applied company has shown reason of why not offer business credit to a new business. 

student loans are an private loan not to be applied but XXXX is reporting false and misleading information damaging the business profile with detrimental details. 

according 12 U.S. Code 1431 - Powers and duties of banks Default is issued to the lender not the borrower The borrower is whom who gives debt.

Amex intends to steal data filing or intellectual information and not provide services of commerce.

Denial of Federal credits not owned by its own company but the U.S is a violation of the gold clause and deprivation of rights under color of law title 18 U.S. Code 242 - Deprivation of rights under color of law PROVIDE THE ORIGINAL CONTRACT BY MAIL. 
IF NOT FILING TO ISSUE BONDS, NOTES, AND OR CASH OF THE FOLLOWING SECURITIES ISSUED
Consumer complaint received 2024-05-02
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. (TX)

I have recently reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Consumer complaint received 2023-12-28
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)

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. Inaccurate Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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)

I have been disputing XXXX XXXX  on my credit profile, I was a victim of identity thief and every time I dispute the account it will come back as verified even after I point out multiple violations and prove that all my XXXX credit reports are reporting different information from this company they are reporting deceptive information on reports also and is in violation of my consumer rights I have requested a validation letter from the company also requested method of verification from the credit bureaus on how they conducted they investigation. Also I did not authorize XXXX XXXX XXXX to report on credit profile. And I requested that the credit bureaus delete the account and they refused even after I notified them of the deceptive account
Consumer complaint received 2023-12-28
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. (GA)

I REQUESTED MY CONSUMER REPORT AND SAW THAT THERE WAS INACCURATE INFORMATION being reported that I as the consumer not notified about before reporting. On XXXX XXXX XXXX   I sent out a debt validation letter to XXXX XXXX XXXX the debt collection agency, and have not gotten a response since. I reached out to the credit reporting agencies after 30 days, requesting proof of the account, the method used, and certified receipts just proof as to why the inaccurate account was still reporting, I was told by the credit reporting agencies that the furnisher validated the account and its final as if I the consumer have no legal rights to my consumer file. The consumer agencies are ABOVE LAW by not following the law. All this back and forth without a solution has caused me XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, and 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 XXXXXXXX Balance Owed : {$360.00} ; XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

Good morning, My name is XXXX XXXX / XXXX XXXX Ct / XXXX XXXX / Fl / XXXX. 
I received notification that my payment was due on a card I have not used since XXXX XXXX XXXX. I logged into my account to discover that it showed 60 days past due on a {$XXXX} charge. I paid my balance in full per the creditors online website on. The website for my credit card stated I owed a total amount of {$XXXX} ( statment balance/total amount due ) no later than XX/XX/year>. I made the payment in full on XX/XX/year>. This is before the billing cycle ended and I should not have owed additional money. This card was then stored away for safe keeping and recorded by me as paid in full. It is now being reported to the XXXX credit bureaus as delinquent by 30 days and then again as 60 days and I feel this is more than inappropriate and unfair to me as a consumer. No contact was made to resolve this issue timely to avoid this and has created a significant impact negatively on my XXXX XXXX and payment history. I have had 100 % on time payment history for almost a decade and worked extremely hard to maintain that for myself and my family to better our credit/financial oppoortunities. Now I am in the process of shopping around for home builders and contractors to accomodate my aging mother living with myself and my family and feel this will hurt my chances to accomplish this therefore negatively impacting my family life and my abilities to take care of my mother. I am requesting that someone please assist with this complaint that I have as I am getting no resolution. I tried contacting the original creditor but when speaking with a customer service representative about the unfair credit reporting and in my opinion a fraudulant balance owed of {$XXXX} I was refused the ability to be able to speak to a XXXX or XXXX when I asked. I paid what they stated I owed due to the negative experience and fear of the continuation of negative reporting if I did not pay. I feel this company fraudulantly charged a finance charge after a billing cycle end date on a XXXX balance and in return should be held accountable and responsible to correct this for me. 
Creditor : XXXX XXXX XXXX XXXX XXXX CXXXX XXXX ) XXXX Accounty Number : XXXX Statement attached for more detailed reference. 

I would appreciate any assistance and your time. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I opened a XXXX XXXX card at or around XX/XX/XXXX. The account number was XXXX. The account remained in good standing up until the point that the account was fraudulently taken over in XXXX. I submitted a police report and a FTC report to support my dispute. XXXX did not accept my documents and choose not to honor the XXXX fraud liability on the account. The credit limit on the card was {$4500.00} During the time of my dispute of these fraudulent charges with XXXX the account declined. While I was informed that no payment for fraudulent charges were due, the account reported 30, 60, and 90 days late and accumulated interest. 

XXXX charged off the account while it was in dispute with the credit bureaus. I paid taxes on the fraudulent activities, because I was issued a 1099C. 

I was powerless against XXXX because despite submitting the police report and the FTC report the collection process continued and my documents were ignored. 
I eventually agreed to settle the debt for 40 % of the balance to protect my credit under the condition that XXXX agreed to remove the adverse reporting. 

However, I was deceived as XXXX never removed the account nor the late reporting. I have called several times since ; and I was told that " it is not in XXXX policy to remove items ''. I've argued my case before XXXX XXXX member services, XXXX credit reporting department and the XXXX Fraud and recovery department and its a big game of music chairs. I've been on the phone for days getting no where by transferred from department to department. 

There are no case numbers to show that XXXX even investigated my fraud dispute. I've asked for the statements for XXXX, payment history and the information used during the investigation and I was informed by the Recovery and Fraud team that there is no record of a fraud investigation and I would need to submit a formal request and a subpoena for the credit card statements during the time of fraud. 


Formal Request- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Card Member Service XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (MN)

XXXX XXXX I was told to ship back their devices after use. I shipped the devices a really longtime ago. They still went ahead and charged me XXXX dollar, sent me to collection while the devices were indeed ship to them. I do not have the devices, i should be placed at collection for something that i do not have and something that was sent back to them.
Consumer complaint received 2024-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (TX)

I do not owe the balance to XXXX XXXX for the charges from XX/XX/XXXX through XX/XX/XXXX. I provided on multiple occasions that this was covered by my insurance provider for the care of my daughter. XXXX XXXX is attempting to collect double payment on charges that were covered in full by my insurance provider. 

I was never notified after XX/XX/XXXX that I still owed a balance and my portal never reflected this balance again. I was not aware this was still considered an outstanding balance until I received the notification of it being turned over to collections.
Consumer complaint received 2023-12-28
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)

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 XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-28
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. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (GA)

I sent a letter advising am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights ot privacy and confidentiality under 15 USC 1681.