davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (CA)

I am writing to file a formal complaint regarding the Department Of Education 's prolonged reporting of inaccurate information on my credit profile, which has been persisting for over 15 years. Despite the passage of time and my efforts to rectify this matter, the false reporting still appears from the Department Of Education on my credit profile as of the date of this complaint, which is XX/XX/2023. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ) and industry standards, it is expected that negative information should be removed from a credit report after a period of 7 years. However, in my case, the inaccurate information continues to be reported well beyond this time frame, causing significant harm to my financial standing. 

The prolonged reporting of false information has had a detrimental impact on my creditworthiness, making it challenging for me to access credit and financial opportunities. Despite my best efforts to rectify this situation and comply with the guidelines outlined by governing bodies, the inaccurate reporting persists, causing continued frustration and disappointment. 

I have made multiple attempts to address this issue directly with the credit reporting agencies, but to no avail. It is out of sheer desperation and a sense of injustice that I am turning to your esteemed organization for assistance in resolving this matter. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this case and takes appropriate action against the credit reporting agencies responsible for the prolonged reporting of inaccurate information on my credit profile. I believe that by bringing attention to this issue, justice will be served, and steps will be taken to rectify the inaccurate reporting that has tarnished my creditworthiness for far too long. 

I have attached supporting documentation, including copies of my credit reports and correspondence with the credit reporting agencies, for your reference. Please let me know if any additional information is required to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accuracy to my credit profile. I trust that the Consumer Financial Protection Bureau will advocate for consumers like me and ensure that credit reporting agencies adhere to the necessary regulations and standards.
Consumer complaint received 2024-05-08
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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
Consumer complaint received 2024-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-01-07
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DigniFi (CA)

I experienced a loss of income in a short time frame due to a COVID diagnosis ( XX/XX/XXXX ) and a work injury ( XX/XX/XXXX ), and my employer failed to pay me my earnings on time ; for weeks I was left without a paycheck ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I spoke with dignifi 's agents on the phone periodically to address the loss of income and sick leave but was not given any arrangement based on the cardholder agreement. I explained that I would be receiving back pay with penalties, but did not have a solid idea of when payment could occur on the line of credit ( among others ). The best that the agents could do beside communicating the agreement terms of the credit card was to document the loss of income and extenuating circumstances. 
On the part of the lender, the system took steps to restrict my ability to self service the account as I became late and missed payments. The ability to process payments with a *lower amount than the minimum payment* on the statement was suspended and prevented me from making any electronic payment by the due date between XXXX and XXXX without calling in and speaking with an agent during business hours AND before XXXX PM. Once I missed XXXX payments, access to the online payment portal was cut off to me as well. 
Given the lack of flexibility to circumstances outside of my control, as well as the XXXX payments I made within weeks of each other once I received the back pay as promised, I believe a review is warranted of this lender 's behavior or performance among consumers. Despite communicating with the lender why I could not make payment, the lender went ahead and marked my consumer report for missing those payments. I have proof of illness and back payment checks.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (KS)

My overage should be applied to the principal. The highest interest first based on the information from the aidadvantage website. Below is a breakdown on the payments for the past 24 months XXXX. Payment History Date Description Principal Interest Fees Total XX/XX/XXXX Payment - {$58.00} - {$140.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$58.00} - {$140.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$200.00} - {$190.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Payment - {$96.00} - {$300.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$100.00} - {$290.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$99.00} - {$300.00} {$0.00} - {$400.00} XX/XX/XXXX Payment {$0.00} - {$400.00} {$0.00} - {$400.00} 2. Standard Payment Terms loan should be paid off in 10 years which should have started XXXX of XXXX and mature XXXX of XXXX. My payment maturity is XXXX  and I was setup in the graduated loan payment plan and not the standard plan.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I like to know how companies can buy up your old credit card that by law is a write-off for companies and then these companies add on interest on top of the interest XXXX okay second of all I've had credit since I've been XXXX XXXX XXXX which is almost XXXX XXXX now and now you're saying my credit age is only XXXX XXXX XXXX XXXX sorry to say, my credit score has not moved hard at all I have 100 % payments made I keep like a 20 % if that on my credit card but I pay off every month but yet my credit score never goes up I am so tired of companies that do not allow a person to actually get ahead in life it makes me pay more insurance makes me pay more for everything because of my credit score which is XXXX  now I am requesting that all my write-off charges be dismissed from my my case discharged that these companies buy it for like pennies on a dollar well I tell you what I'll pay whatever them companies pay to buy my debt I'll pay them exactly what they paid for and I will pay it off but if you don't want to do it that way get rid of them get them off my record cuz I am tired of you persistently messing up my life I am tired of paying my payments on time and nothing going up I'm tired of paying my payments and my credit score goes down how I'm a hard-working dude for years on end now I'm on XXXX yet I've had credit for almost 40 years I have score XXXX some at one time and now I can't get out of XXXX because whatever reason I don't know anymore so I want somebody to actually pay attention to somebody that actually trying to do the right thing pays all this payments on time but yet still my credit score does not go up I'm tired of having a low credit score because of lies front criminals corruption in the freaking Banks you know what anybody who allows a company to buy your debt at XXXXXXXX XXXX  on the dollar and XXXX not allowed the debtor myself to pay the same amount that them companies buy that's XXXX so I am asking and demanding by law fair credit law that says they can not do that okay plain and simple so I'm asking to have my self removed that was right off for companies anyway. And then these companies that buy it for pennies on the dollar if they can not sell it to me for the same price then they should not be able to sit there and try to charge me outrageous interest in all the extra XXXX and destroy my life in the meantime I am requesting that all my past bad stuff is removed because you can not by law use it as with a Fair credit reporting is so I am requesting that at this time date is XXXX the XXXX XXXX my name is XXXX XXXX and I've tired of not having my score go up when I do all the right things
Consumer complaint received 2023-10-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Yes Online Inc (AZ)

I was stationed in XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. I used telekom duetschland as it was my only option for phone services. When it is time for you to depart you give them your orders to close the account and pay any final bills. However, after nearly XXXX years of no longer using their services they have sold my information to Yes Online Inc DBA Dynam who is now trying to collect money from me. On XX/XX/XXXX they opened an account in collections under my social security number for {$420.00}. It has since increased to {$460.00} and I no way of getting it removed. Upon looking this company up you can see this is a common occurrence for service members who used these services and it is clearly fraud. When I attempt to get in contact with Yes Online Inc DBA Dynam they will hang up on me once I mention XXXX XXXX. I can not reach a resolution.
Consumer complaint received 2023-12-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Triton Recovery Group (MD)

Triton Revovery XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX uses unethical and predatory practices. I engaged a lawyer in XXXX to work with them for a settlement. They did not respond to any of their correspondences and continued to harrass me and family with aggressive and disrespectful phone calls. Approximately 2.5 weeks ago ( XX/XX/XXXX ) they then put a lien on all of my payment processing acounts. My lawyer was able to get them to an agreement that was signed by both parties on XX/XX/XXXX. Their agreed upon payment was sent on XX/XX/XXXX and the terms of the agreement were to release the liens. They confirmed they released the lien but on XX/XX/XXXX they sent one of the payment processors a request to send them {$6000.00} which they complied and they still are holding another XXXX with the other payment processor stating they are requesting {$8900.00} of that. Which is now a breach of contract on their end. My lawyers have been trying to get them to release the liens all week and it appears at this point they're being deceptive in their tactics. As of XXXX they are still holding approximately XXXX with the payment processors that well exceeds the agreed upon amount. At this point it has created a financial strain resulting in me not being able to make payroll today in addition to outstanding expenses from XXXX.
Consumer complaint received 2024-01-03
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: W&A Intermediate Co., LLC (TN)

I was contacted via usps by Wakefield and associates in XXXX of 2023, about a debt, I mailed a request to validate the debt as it is completely unknown to me, the validation request included a request to cease and desist if validation could not be provided. Wakefield and associates continues to call me without ever providing proof of debt, as well as report to my credit.
Consumer complaint received 2024-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-01-09
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. (WA)

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 XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX 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 2024-01-09
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. (CA)

The following inquires are fraudulent : XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OH)

I opened up a SPG Preferred Guest American Express card on XXXX XXXX, XXXX after being enticed by the promotional offer of XXXX Starpoints after {$3000.00} in purchases. I quickly met the spending requirement on XXXX XXXX, XXXX, however my bonus points were never credited to my account. I was planning on booking a vacation using these points, however I was unable to because of the delay. 

I have called American Express multiple times and they have been unable to resolve my issue. I am frustrated because I see this as deceptive marketing combined with inept customer service.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-10
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. (FL)

Could you please ensure the removal and blocking of these fraudulent hard inquiries from my credit report? These inquiries are unauthorized and potentially indicative of fraudulent activity. It's imperative to take immediate action to safeguard my credit profile and prevent any further unauthorized access. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-01-09
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. (NJ)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.