davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
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: Nelnet, Inc. (MS)

My student loans were with Nelnet, but were transfered to XXXX  because I applied for public service loan forgiveness. Loans were forgiven in XX/XX/2023. I have statement from both XXXX & Nelnet showing balance is {$0.00} and a letter saying my loans were forgiven, but my credit report is still showing a balance of over {$40000.00}. I have disputed several times. Called Nelnet they said XXXX had to cancel so I called XXXX  and they said they had done so, but credit report still shows balance 8 months later. Just disputed again still didn't fix issue. Balance needs to be updated to {$0.00} by Nelnet.
Consumer complaint received 2024-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Great American Finance Co (MD)

Company has refused to comply with validation of debt requests. XXXX states they dont have to obtain physical proof based on there on protocol in violation and non compliant with Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 demand sent XX/XX/2023. These non-validated debts are still being reported erroneously on my credit report. No reponse to my request has been provided and 30 days has expired. They were supposed to remove the debt from my credit reports during the 30 day period given and failed to comply with my request/demand and the law referenced above,
Consumer complaint received 2024-07-09
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. (WI)

My personal information has been compromised. Upon reviewing my consumers report a few months ago, I noticed a few accounts that actually don't belong to me at all. I do not know these companies reporting and I actually was incarcerated during a certain period of time. I will also attach my proof of incarceration as well. 

Here are the accounts : XXXX XXXX XXXX OPENED XX/XX/XXXX, BALANCE OF {$540.00} XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( I WAS INCARCERATED DURING THIS TIME XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX
Consumer complaint received 2024-07-08
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. (HI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-14
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: EQUIFAX, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : account name and account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management (MN)

This complaint is in regard to the debt collection company FOX COLLECTION CENTER. The collection company keeps lying stating that they sent correspondence to my address. I have not received any thing from this company as FOX COLLECTION CENTER states. In response to the abuse, I am requesting debt validation regarding this alleged debt. I am also requesting the certified tracking number with my name on and signature proving that FOX COLLECTION CENTER sent notice to my address. The debt validation letter will be sent through this complaint portal.
Consumer complaint received 2024-03-19
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
XXXX XXXX  ACCORDING TO THE FCRA IT IS A VIOLATION. I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I went to a party/get together with my friends on the first week of XX/XX/2024in XXXX MA . My wallet was stolen and my business debit card, personal credit card, social security number, a posted card with personal notes were in the wallet. I did drinks and was a little buzzed. I am not sure who took my wallet and who went through my phone. I do not have a passcode on my phone and on my notes app I have all the login information to all bank accounts, medical accounts, etc. I filled a claim with Citizens Bank ( business debit card ) because {$16000.00} were spent. I gave them as much information I could remember and they still are denying my claim. Looking at my bank account I was that {$15000.00} were moved from the savings account to checking ( I did not make that move ) I did stress it enough with the claims departments. Even a Citizens representative stated that the online banking was compromised!! Secondly, the person that was using my card took thousands of dollars out the ATM ( which there is cameras on every ATM ) I also told the claim department to review the cameras. They response was that even if they review the cameras the decision stand, and the claim will remain denied. I tried every revenue I could with them and I am still getting denied. The person using the cards went to stores I never shopped. Over {$16000.00} were taken from me and Citizens Bank DOES NOT care to review the cameras over even take it into consideration that their OWN employee stated that my online banking was compromised! 
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Consumer complaint received 2024-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I can not see my credit report with this company. I called and they are saying that there is no credit account for me when there is. I have been having a problem for over a tear and still no resolution. They continue to states that a supervisor will call me back and never anything. There is a company that I have no knowledge of that appears to be reporting on my credit and I get notifications.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Dear Consumer Financial Protection Bureau, I am writing to dispute and request validation for several items on my Experian credit report. I am a real person with no help. I have experienced difficulties in accessing my report, and upon successful access, the information provided seems inaccurate. 

Enclosed is a dispute letter addressed to Experian, outlining my concerns and the specific details I am seeking for each account. I have previously sent this letter to Experian multiple times without receiving any response. 

The list of accounts in dispute is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request your assistance in facilitating a resolution with Experian and ensuring that the necessary investigations are conducted. Please see the attached dispute letter for your reference. 

Plus my personal information is still wrong. 

Thank you for your attention to this matter. 

Thank You.
Consumer complaint received 2024-07-08
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. (TX)

I am writing to report unauthorized credit inquiries on my credit report that I do not recognize. I have previously requested the credit bureaus to remove these inquiries, but they fail to do so.I am now providing an identity theft report ( will be attached to this compliant ). I kindly request that these inquiries be removed from my credit report as soon as possible for these inquiries are not mine and are inaccurate.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

No amount i had to pay for the fraud accounts and was told they will come off if i did and they have not yet to do that so i just want to move on from this even though its not mines i still paid because i was trying to buy a home i ask them to remove the lates from XXXX XXXX didn't do that as well no balance close paid in full accounts it was only XXXX XXXX XXXX the fraud accounts was XXXX amd XXXX which i sent proof of it to remove off experian and they still have not remove it the other burearus did remove lexis nexus does not have that info
Consumer complaint received 2024-06-14
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. (MO)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Coast 2 Coast Financial Group, LLC (TX)

I XXXX XXXX XXXX ; in sui juris, XXXX under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX CEO & Manager, I Have no knowledge of this Account Coast 2 Coast Lenders LLC XXXX, I Have never Signed a Contract with you or your Company I did not give any written instructions to furnish my account to XXXX XXXX ; or Coast 2 Coast Lenders LLC ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void ab initio! 

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 an account without my written instructions. 


Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXX CEO & Manager of Coast 2 Coast Lenders LLC to Immediately Delete this account Coast 2 Coast Lenders LLC XXXX, with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

as this file Coast 2 Coast Lenders LLC XXXX, has damaged XXXX XXXX XXXX ; reputation and damaged me physically and Emotionally since the report appeared For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and 3rd partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! 

I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX Dollars for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. 

Pay to the order of : XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

This debt collection agency has been a complete disaster. An erroneous account has plagued my report for over a year. I left a XXXX review detailing my ordeal, they conducted an unauthorized hard inquiry on my XXXX report on XX/XX/24. They lacked any valid reason for such an action, as I never provided written consent or engaged in any transactions with this company.
Consumer complaint received 2024-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (PA)

I received a ton lf voicemails from this company regarding a gym debt that I have confirmed with XXXX XXXX XXXX that I do not owe. I reached out to Aldous & Associates on XX/XX/2024 regarding this debt and explained that I do not have debt with XXXX XXXX and that they confirmed it. I asked them to send me confirmation of this debt and they claimed they mailed a letter which I hadnt received nor did they provide what the debt in question was or why I received it. They said if I didnt pay the debt it would be reflected on my credit. I called this number XXXX ( XXXX ) XXXX which they provided via voicemails. I am unsure if this is a scam at this point.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (OK)

Howdy, I have tried to open a business account with Wise. It is an international transfer company that operates in the United States via XXXX XXXX. I have opened an account with them. I have paid to verify the account. I have gone through an incredibly lengthy verification process via email. 

To note : This company does not offer phone support. I have asked repeatedly to speak to someone. I can call in, but they tell me that I get to the personal line rather than the business line. I can not get transferred to business support. Therefore, I am never able to reach anyone. They do not have a physical location in the XXXX. 

I tried to transfer {$20000.00} to this bank account. I went through their process and transferred the money. It has been a week and it is still not in my account. I looked at my bank account today and they have ACH transferred ANOTHER {$20000.00} from my bank account. They have now taken {$40000.00} from my bank. {$20000.00} was without any permission whatsoever. This is fraud and/or outright theft. 

I can not reach any support. They are not providing any. I can not access my money. I am being charged fees along the way.
Consumer complaint received 2023-11-04
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. (CA)

It has come to my attention that numerous inaccurate names, account numbers, addresses, social security numbers and telephone numbers are listed without my consent or authorization on my credit reports. Attached is a letter stating the inaccuracies with a demand that they be corrected Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports section ( 2 ) and in accordance with 15 U.S. Code 1681c2 I demand that they Block all information resulting from identity theft, document attached.
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (VA)

Dear Sir/Madam, I am writing to formally request an investigation into potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, that I believe have occurred regarding my credit information.

1.Right to Privacy ( 15 U.S.C. 1681a ) : I am entitled to privacy regarding my credit information. I have reason to believe that my personal information has been mishandled or improperly disclosed by the entities listed below. This breach of privacy appears to be in violation of this provision.

2.Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : According to this section, a consumer reporting agency is prohibited from furnishing credit information without my written instructions. It has come to my attention that the following entities have reported information about my accounts without obtaining the necessary written authorization from me, thereby violating this provision of the FCRA : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX I am deeply concerned about these potential violations and their impact on my financial standing and reputation. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action to ensure compliance with the FCRA. 

Thank you for your attention to this important matter. I look forward to a prompt resolution. Should you require any additional information or clarification, please feel free to contact me using the information provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-06-10
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)

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX CARD - XXXX XXXX XXXX - XXXX XXXX INQURIES XXXX CHALLENGE : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.