davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-08
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. (TX)

I am writing to formally dispute several items on my credit report that I believe to be the result of identity theft. I recently obtained a copy of my credit report from the Credit Bureaus, and upon reviewing it, I discovered several accounts and inquiries that I do not recognize. 

The unauthorized accounts listed on my credit report include : XXXX XXXX # XXXX Opened on XXXX for {$480.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$570.00} XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$840.00} XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$580.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$140.00} XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/22 for {$640.00} Original Creditor # XXXX Opened on XX/XX/22 for {$850.00} XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$1100.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$470.00} XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$400.00} XXXX XXXX # XXXX Opened on XX/XX/22 for # XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/22 for {$260.00} I have never applied for or authorized these accounts, and they do not belong to me. Furthermore, I have not received any communication from the respective creditors or lenders associated with these accounts. This leads me to believe that my personal information has been compromised and used fraudulently by an unknown individual. 

In addition to the unauthorized accounts, there are also several credit inquiries listed on my report that I did not initiate. These inquiries have negatively impacted my credit score and may be related to the fraudulent accounts. The unauthorized inquiries include : I have attached a copy of my credit report with the disputed items highlighted, as well as copies of my government-issued identification and proof of address for your reference. 

I am requesting your assistance in investigating and resolving this matter promptly. Please initiate an investigation into these fraudulent accounts and inquiries and remove them from my credit report as soon as possible. I also request that you provide me with written confirmation of the actions taken to rectify this issue. 

I understand the importance of maintaining accurate credit information, and I am committed to cooperating fully to resolve this identity theft issue. If you require any further information or documentation from me, please do not hesitate to contact me Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my credit report to its accurate and rightful state.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Hey Im trying to dispute this because I already contacted the credit bureaus and they stated they cant remove it because it was verified. However I need this removed because of this law 15 U.S. Code 1681b. Did not have my consent to post on credit file! 

as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

They dont have in writing that I initiated a credit transaction for these accounts to be posted at all. 

As the law states 15 U.S. Code 1681b. In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I noticed on my Experian report that there is an address showing as mine that I have never used. I went online to try to have this inaccurate information deleted only to find I was denied the right to do so. Now I am getting an error when I attempt to dispute it.
Consumer complaint received 2023-10-11
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. (FL)

To whom this may concern, I am submitting this complaint on my own behalf to address an issue with a Consumer Reporting Agency named EXPERIAN. On or about XX/XX/2023 I submitted XXXX  documentation that determines that I am a victim of XXXX  and the Identification of the negative information that resulted from XXXX. Specifically I provided a XXXX  Victim Letter, Self Attestation, Proof of Identification from a state governmental agency and a Proof of Mailing to EXPERIAN. to have information that resulted from XXXX  to be expunged from my Consumer Report. As of XX/XX/2023 EXPERIAN continues to negligently furnish the adverse information that Is result of XXXX  and it is causing me stress because I am attempting to move on from the damages I have received due to the XXXX  and it still continues to haunt me through my consumer reports and it prevents me from extending my consumer credit. It is not fair for a consumer to due everything in their power to address a Consumer Reporting Agency to uphold their grave responsibility with fairness and for a Consumer Reporting Agency to continue to act negligently. After Five Buissnees days of Submitting the information to Experian I have not received a request for more additional information. This is stressing me out and its also taking affect on my household. I am unable at this time to obtain household goods and services for my family due to this adverse information. Experian has been operating negligently and it's causing me damages. I can't sleep probably, I'm constantly crying, my children are worried and feel hopleless as they are unable to help me in my situation. I also feel drained and tired and feel like giving up as I am trying everything in my power to move on but its so hard with this adverse information haunting me. its making me depressed. I informed my doctor about the situation and they've suggested I see a XXXX  and made a referral to do so. I am hoping that the XXXX  can help me proceed forward. I have also been prescribed XXXX  to deal with the emotional trauma but I never began using them as I don't want to have to depend on them as that may lead to addiction or ungodly habits. I am in fear of my life aeveryday and I am trying to fix my financial situation so I can provide myself and my family a better life so they never have to endure the thing I have. Please help. I have attached the information I have shared with Experian.
Consumer complaint received 2023-04-17
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)

I appreciate you making the effort to delete and correct some of the data on my credit report, but there are still some items that need to be removed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company (HI)

A few weeks ago, my checking account was compromised. I informed today cash and told the supervisor that I had to close my checking account and am in the process of securing a new account. I told her that once I was able to open a new account, I would contact them and resume my regular payments. The supervisor told me not to worry as my payment history up to this time was great and that she would notated my account. Today, I get an email stating that in 10 days that they are going to garnish my wages and that I owe over a XXXX dollars since XX/XX/XXXX. Not only was my account not notated as promised, but under NO CIRCUMSTANCES DO I GIVE PERMISSION FOR MY EMPLOYER TO BE CONTACTED AND MY WAGES BE GARNISHED!!, CONSIDER EVERYTHING REVOKED!! Again, once I'm able to get a new account, payments will resume at my regular rate!! Thank you for your assistance!!
Consumer complaint received 2023-10-10
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. (TX)

My XXXX  account number XXXX XXXX XXXX XXXX credit reporting on the credit reporting bureas XXXX XXXX XXXX Experian and XXXX are showing a late payment for XX/XX/XXXX  and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. I spoke with XXXX representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus. 

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 2023-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. ()

I kindly request your immediate attention to the following concerns : XXXX XXXX XXXX, 2023, I applied to be moved to the REPAYE Income-Driven Repayment plan, to then be eventually moved to the new SAVE plan where in both plans, my interest is not meant to accrue. I applied for this change on studentaid.gov. 
XXXX XX/XX/XXXX my application was processed, and I was told my service loan provider, Nelnet , would review my application. 
-At some point, I also followed up with Nelnet asking for a status quo on my application. I received a response on XX/XX/XXXX, where they stated they were experiencing unprecedented email volume. My question was not answered or acknowledged. 
XXXX XXXX, 2023, was the first time I heard from Nelnet where they stated that my application was in process and no action was needed. Since then every XXXX weeks I've been receiving an email that my application continues to be in process. 
XXXX XX/XX/2023 I followed up again asking for a status quo on my application given that the federal government stated that applications could take up to 30 days to process and my application is over that timeline. 

I noticed that interest charges continue to accrue on my account despite my efforts to seek clarification and resolve the issue. Regrettably, there has been no acknowledgment or response to my application, leaving me in a state of uncertainty and financial strain. 

The lack of communication and resolution on this matter is causing significant distress and inconvenience. 

In summary, I have been struggling with Nelnet on the following : 1-Unanswered Queries : I have submitted multiple queries regarding the interest charges on my account, and to date, I have not received any response or clarification. 
2- Pending Application : My application to stop the accrual of interest on my account has not been acknowledged or processed, leaving me in the dark about the status of my request. 
3-Financial Implications : The continued accrual of interest is placing an undue financial burden on me, and the lack of resolution is causing unnecessary stress and frustration. 

I understand that issues may arise, and I appreciate your prompt attention to have Nelnet rectify this situation. I kindly request that you investigate the matter urgently, provide a comprehensive response to my queries, and process my application for interest cessation at your earliest convenience. 

I believe in the importance of maintaining a positive and transparent relationship with a student loan service provider. 

Thank you for your immediate attention to this pressing issue. I look forward to your prompt response and resolution. 

Best, XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, XXXX XXXX XXXX XXXX credit card accounts were opened, but I only authorized XXXX. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine
Consumer complaint received 2024-05-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: U.S. BANCORP (CO)

I had an IRA-CD with U.S. Bank that matured in late XX/XX/2024. I had recently had another such IRA-CD mature with U.S.Bank and wanted to transfer it to another bank, and the process was so difficult, it took me a month. So I planned simply to renew the other CD, but was told that if it " rolled over '' for another two-year term, the rate would be an abysmal XXXX percent because that was the " market rate ''. ( Most banks were paying XXXX to XXXX percent at that time. ) I do not live anywhere near a physical branch of U.S. Bank, so this entire exchange and discussion was by phone. I called the bank a day or XXXX after the maturity date of the CD ( because you can't renew on the date it actually matures, you have to wait a day ). I said I wanted a better rate. A gentleman told me I could have a XXXX term at XXXX percent, and I said that would be fine and that he should go ahead. I thought that was the end of it. However, recently I was looking at my online accounts and saw that the CD had merely rolled over for another XXXX years at XXXX percent. Since this bank also has implemented a $ XXXX " maintenance fee '' on already existing CDs, I now am basically earning nothing. I called U.S. Bank at about XXXXXXXX XXXX XXXX on XX/XX/2024. Someone who said she was " XXXX '' said she would review my original call seeking to change the rate and I could check back in a week. I called about XXXXXXXX XXXX on XX/XX/XXXX, worked my way through the phone tree, was transferred twice, told my story to someone, was transferred to wealth management, went through another phone tree, and finally spoke to a woman who said she was named XXXX. She said a XXXX had been reviewing calls about this but did not see an update put into the record. She tried to message XXXX and finally reached her and said XXXX said I had not called in to request a new rate. I said that was not true. I was told I could speak to another manager named XXXX. She said it looked like I had indeed called the bank on XXXX XXXX, XXXX XXXX, and XX/XX/XXXX and other times. She said she would have to listen to the recorded calls, which could take time, but that she would have an answer by Thursday ( XX/XX/XXXX ) and would give me a return call. She gave me her phone number, XXXX. ( By the way, I have a recording of this call with her. ) She did NOT give me a return call on XX/XX/XXXX, so on Friday, XX/XX/XXXX, I called her at about XXXXXXXX XXXX XXXXXXXX and left a message asking her to call me back. She did not. My CD, which ends in XXXX, is still listed as at a two-year term at XXXX percent.
Consumer complaint received 2023-10-10
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. (NE)

I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end. I am exercising my right as a consumer and I demand that you immediately delete and remove this information from my credit report as you are hindering me in finding a stable job to provide for the needs of my family. 

-- FOR XXXX & XXXX -- XXXX XXXX I found that Experian persists in reporting these accounts as late when it comes to payments. It is definitely an indication of inaccurate reporting. Here are the accounts I am referring to : NEBR SOC SRV XXXX NEBR SOC SRV XXXX NEBR SOC SRV XXXX
Consumer complaint received 2023-04-16
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: EQUIFAX, INC. (NY)

as of XX/XX/XXXX i have noticed fraud account ACCOUNT NAME- XXXX XXXX ACCOUNT # XXXX XXXX DATE OPENED- XXXX ACCOUNT TYPE- CHARGE CARD STATUS-Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX. 
STATUS UPDATEDXXXX XXXX XXXX $ Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone number-None provided INCOMPLETE ACCOUNT # IS GROUNDS FOR THIS FRAUD ACCOUNT TO BE REMOVED AND DELETED! 
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 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2017-11-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

The Following Agency is not bonded in FL and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed. 

Commonwealth Financial XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I revised my credit file and to my dismay, I see damaging reports that you failed to either CORRECT or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you to perform a logical investigation on these accounts.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2017-02-28
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Chaplain Financial Services LLC (WI)

I continue to receive calls from Chaplain Financial stateing I owe payday loans from several years ago from XXXX different payday loan operations. I told them I have never taken a payday loan out. They gave me information that was mine but was not consistent. Ex, old addresses, old employers etc. At one point they told me they were going to take me to court- I said I have n't received any judgments in the mail. They stated that they came to my home and took pictures. They have also called my sister and brother asking about my where about. I called them and asked for a verification letter showing the debt I owed and the Virginia creditor- they sent me an email but it did not have much information on it but the name of the creditor- which I looked up and could n't find a working numbers for any of them.
Consumer complaint received 2023-10-10
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: EQUIFAX, INC. (PA)

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : XXXX. XXXX 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 2023-10-10
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 recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've always ensured timely payments on this account, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2023-10-10
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: Experian Information Solutions Inc. (TX)

I sent experian a dispute of the acoustic t information for XXXX student loans which has been fully satisfied as of XX/XX/2023 and I sent them the letter directly from XXXX and they refused to update the balance from XXXX to XXXX. This greatly affects my debt to income ratio and although XXXX XXXX has already updated, exemption refuses to correct their reporting error.
Consumer complaint received 2022-12-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: OneMain Finance Corporation (WA)

I applied for a loan to finance a vehicle from the beginning I explained I was working getting paid with a 1099 and they said it was ok and still run my credit score to come back around and say they needed a pay stubs or yearly tax showing my income when I had informed I hadn't been with the company for more than a year