davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

Special Payment Instructions aren't being looked at it seems to me, XXXX is my payment start date and I set Special Payment Instructions to go 100 % to one loan and it's not even being followed, Phone hold times are over an hour at least, finally give up. Sent an email about this and no response. I would like my loan sent back to Great Lakes, they did all this with no problems. 

Also instead of mailing it the way I want they coerce you to send it via they pulling from your accounts at the bank. I don't like this option
Consumer complaint received 2022-11-24
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 intormation An other adverse Item of information. other than records or convictions or crimes which antedates the reoort ov more than seven vears 15 U.S.C. 1681s-2 ( A 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency iif the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-24
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. (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 XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-10-24
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. (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 XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-10-24
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2017-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX 2015 I paid Wells Fargo Bank a personal loan in its entirety. A few months later a got on my credit report a negative delinquency status about this same loan. According to the bank, I failed to pay a small balance that I never received a bill for or any type of communication after I paid the loan 100 %. When I learned about the negative credit report reported on me by Wells Fargo, I immediately contacted them and I was given a fax number where I should send a complain and a full explanation. I did sent a fax not only once buy twice after not hearing from anyone at that bank. 

The last thing I did was to sent the same communication I have previously sent via fax but this time I did overnight it and still nothing happens with this people. Meanwhile, my credit records has been damaged by this situation.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-07-07
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Consumer complaint received 2023-04-19
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. (MO)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I Sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Also this is my second time sending a letter to the bureau to give than a second chance to fix it. 

( List of accounts Accounts ) Type of Account : Collections Collection Account : XXXX XXXX XXXX  Account Number : XXXX Type of Account : Collections Collection Account : XXXX Account Number : XXXX
Consumer complaint received 2023-10-24
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. (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 XXXXXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-07-07
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. (KY)

Experian it is your duty to ensure that all information reported is consistent and most importantly accurate and complete and you have failed to do so. I have made several disputes on XXXX XXXXXXXX XXXX XXXX XXXXXXXX, please delete erroneous immediately. A proper reinvestigation was not completed or you would see all the inaccurate and incomplete information on my consumer report. Here are a list of inaccurate and missing information I found. 
1. XX/XX/XXXX I was not XXXX days late see bank statement. 
2. XXXX XXXX not XXXX  days late but actual amount paid section has {$240.00} paid. 
3. XXXX I was not XXXX days late because I paid in the actual amount paid section. 
4. XX/XX/XXXX has ok but missing actual amount paid section. 
5. XX/XX/XXXX has ok but missing actual amount paid section. 
6. Missing information in the payment history data XXXX XXXX XXXXXX/XX/XXXX and missing information : Amount balance, Date payment received, scheduled payment amount, actual amount paid. 
7. XXXX XXXX  XXXX XXXX information : Amount balance, Date payment received, scheduled payment amount, actual amount paid.
Consumer complaint received 2023-10-24
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 XXXX XXXX Inquiry Date : XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/2023 XXXX XXXX Inquiry Date : XX/XX/2023 2023
Consumer complaint received 2023-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (MI)

Conserve collection agency is wrongfully reporting a collection on my credit report and it is affecting my credit score drastically.

I received NO written letters via mail or email about the pursuant of this debt and I do not believe this debt belongs to me at all. While I do recognize the original creditor I have no recollection of having received any loans from them.

ConServe collection agency has never contacted me to inform me of this debt, so I was not aware of it until it showed up on my credit report also, with no notification.

A debt validation letter was sent, requesting verification of the debt, including information about the original creditor, to which no response has been given.

ConServe has violated many laws of the Fair Credit Reporting Act including ; 15 USC 1692f Sec. 807 ( 11 ) - states that I have the right to be informed of an attempted debt collection.

15USC 1692H- Sec . 809 " Validation of Debt '' states that a collector must be able to validate the debt by providing information about the original creditor.

Sec. 809 also states that a collector must report that the account is in dispute upon receival of a debt validation letter. 

None of which has been done.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

The three credit reporting agencies ( Experian, XXXX, and XXXX ) have been notified on several occasions since 2018 regarding the falsely reported delinquency listed on my credit report by XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX deals in unethical business practices and has, for years, preyed on consumers by finding loopholes to create negative impact factors to sway consumers to them for financing since they are one of few major companies that have high interest products dedicated to poor credit consumers, especially XXXX XXXX  consumers. 
In XXXX, I contacted XXXX XXXX XXXX to ask if I could get an extension on my payment and I was told by their representative that since this was my first request, they would defer the XX/XX/2018 payment to the end of my loan and my payment history would not be affected. I was so appreciative because I had an unblemished payment history on my credit report and a steadily climbing credit score. That was until the next month when I received an alert that there was a delinquency from XXXX XXXX XXXX appended to my credit report for missing a payment accompanied by a XXXX point decline in my credit scores. I immediately contacted XXXX XXXX XXXX and asked them to pull the phone records to confirm the specifics of the conversation. I asked them to accept my payment and reverse the delinquency. They refused and have been fighting to keep that recording and the specifics of that conversation private ever since. Not only is this unethical business practices, but it is also credit discrimination in an attempt to reduce my creditworthiness to potential creditors forcing me to do business with XXXX XXXX XXXX. 
Since that date, they have consistently reported this delinquency that they fraudulently created by misrepresenting the specifics of the arrangement which would have never been entered into had I known my payment history would be affected. Logically, if someone says that the payment will be deferred to the end of your loan, technically the payment is not missed ; it's simply added to the end of the loan term. Therefore, I assert that this misreporting has affected my credit report for far too long and I wish to have this missed payment removed and my payment status updated accordingly.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

There are several unauthorized credit inquiries listed on each of the three credit reporting agencies. I have contacted each credit reporting agency individually using a certified mailing option. The dates of contact are XX/XX/23 and XX/XX/23, respectively. 
Each of the credit reporting agencies have continued to report these unauthorized inquiries and have not responded to my request to-date ( XX/XX/23 ). 
As the consumer, when I contact a credit reporting agency with information that I believe to be inaccurate or requesting investigation into inaccuracies, I expect that they will handle these matters with some urgency and respond to me timely with updates regarding my legitimate requests. 
This has not occurred and I wish to complain about these credit reporting agencies and have their business practices investigated. Their role as a consumer credit reporting agency, consumer being the main focus here, then I would presume that they have a fiduciary duty to appease the inquiries of the consumer whom they exist to serve. Maybe I am mistaken but I am certain that I am not the only victim of these unethical and unsupported business practices.
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer