davidheineman/consumer-finance-complaints-large huggingface dataset:
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 am writing to formally lodge a complaint regarding the ongoing and unresolved inaccuracies on my credit report. Despite multiple attempts to correct the late open accounts that are erroneously being reported, these inaccuracies continue to adversely affect my creditworthiness and financial standing.

To provide context, I first identified the presence of late open accounts on my credit report. Since then, I have diligently followed the prescribed procedures to dispute and rectify these inaccuracies, including providing supporting documentation and evidence of the inaccuracies.

The following actions were taken in my attempt to address this issue : I promptly contacted your agency and filed a dispute regarding the late open accounts. I provided all necessary documentation to support my claim, including proof of timely payments and communication with the creditors in question.

After not receiving a resolution or update on my dispute, I followed up on the status of my case, during which I was informed that the investigation was still ongoing.

Subsequently, I filed additional disputes, each time reiterating my concerns and providing any supplementary evidence requested.

I have made numerous attempts to contact your agency 's customer service department via phone and email to inquire about the status of my dispute, without receiving a satisfactory response.

Despite my extensive efforts to rectify this matter, the late open accounts remain on my credit report, inaccurately reflecting my credit history and negatively impacting my financial prospects.

I understand the importance of accurate credit reporting, and I believe that your agency has a responsibility to ensure the correctness and integrity of the information in my credit file. As such, I respectfully request the following : A thorough and expedited reexamination of the late open accounts on my credit report.

Immediate correction of the inaccuracies by removing the late open accounts from my credit report.

A detailed written response outlining the results of the investigation and the actions taken to rectify my credit report.

Assurance that measures will be implemented to prevent future occurrences of such inaccuracies.

I expect a swift and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be satisfactorily addressed, I may be compelled to pursue legal remedies to resolve this matter. I am asking for your help to correct the following accounts : XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$440.00}.
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: Nelnet, Inc. (CA)

My credit report is showing late payments to XXXX/FIRSTMARK SERVICED XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXFIRSTMARK SERVICED 's customer service representative.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Federal Adjustment Bureau, Inc. (OH)

In accordance with the Fair Credit Reporting Act, Federal Adjustment Bureau Inc, 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 an account without my written instructions. 

This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. 
The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies.

As a victim of identity theft I have reported several alerts to my credit bureau accounts.
Consumer complaint received 2023-07-15
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. (NY)

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, Account name : 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 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my second request to XXXXhree Credit Bureaus and I am filing a case aginst them in violation of neglegence under FCRA Section 605b. These Credit Bureaus have engaged in unfair and deceptive practices by providing inaccurate and misleading information to debt collectors, thereby tarnishing my creditworthiness and subjecting me to harassment. I demand immediate deletion of these violations and compensation for the damages caused. These are the following items that are needs to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I called  XXXX   XXXX  after seeing this on my credit report.I did n't remember opening an account with them, I called, they said the account was opened   XXXX   and it was sold to them, they purchased it  XXXX  she said  .I a sked if she will repeat what you just said, her reply was do you want to pay the whole amount today? This means the loan was paid off and sold to them.This is the dispute, it was discharged, they wrote it off and was paid in full.I still get offers for new credit card thru capital one.I should n't still be responsible.
Consumer complaint received 2017-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (PA)

Guild mortgage company keeps mis-managing my account. My first year with them they added home owners insurance to my account even though they had proof at I already had my own home owners and they were paying the bill from my escrow, after months of phone calls they finally rectified the situation. Then  XXXX  of   XXXX   I received a letter from them stating I had a shortage in my escrow account. They assured me that it was due to an error my loan officer had made and I had not paid in enough at closing. Seemed legit and I did n't know how to investigate to prove otherwise so I paid the shortage. I have received another letter stating that I have another shortage again. This time much larger as indicated by the attached document. My first phone call to them the lady I spoke to said it 's normal and it is what it is. She was very indifferent towards me and not any help. I called again the next day and the gentleman I spoke to was much more helpful. He indicated to me that they had to use my {$800.00} cushion that is mandated by law and an additional {$670.00 } ( that they gave me and I owed them ) t o pay taxes from my escrow account. He said it was because of a tax increase. My taxes in   XXXX   only went up about {$200.00} total. Hardly the {$1400.00} they took. When I explained to him that it did n't make sense, he would n't agree but did look into it further while I was on hold. He got back on the phone and said he could NOT explain it and he would forward me to the " impound '' department who would be calling me withi n 3-5  business days to explain what happened. There is definitely a serious problem with this company and I have read else where online that I am not the only person to have had issue with how they do business or handle escrow accounts. After this conversation I asked what my excels balance was and he said it was over {$3000.00}. Hardly a {$1400.00} shortfall.     In the end the paper says my shortage is {$660.00 } ( which I made a payment last year to cover a shortage already ).  But their solution is to increase my monthly payment from {$910.00} to {$990.00}. That is not {$660.00} but {$990.00} over 12 months. I can not say for sure what 's happening but it sure looks shady to me!
Consumer complaint received 2023-11-22
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: CAVALRY INVESTMENTS, LLC (TX)

This is concerning Account Number : XXXX previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was a copy of alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. Violations of the FCPDA are subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. I have been working tirelessly to have this corrected so I will be seeking {$30000.00} for actual damages for mental anguish. Your company is also furnishing different information to the credit bureaus. How is this legal when all information should be correct? How can there be 3 different Date Last Active? You also failed to investigate that my personal information was compromised in the XXXX data breach. I will attach both my credit report and data breach claim ID. In the absence of any such documentation and other violations, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages I intend to take all legal steps available to me if the following account is not removed from my credit report within 14 days : CAVALRY PORTFOLIO SERV XXXX
Consumer complaint received 2017-05-06
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: JPMORGAN CHASE & CO. (GA)

In XXXX we received a letter for Chase stating that we had applied for an Amazon.com Visa Signature card. We had not. We called Chase and they blamed us by stating that we 'clicked a button ' at Amazon that initiated the request. They told us that they would close the request.
Last week we received another letter from Chase that has exactly the same information. Today I pulled my credit report and am shocked to see that Chase has continually been running credit inquiries. These inquiries have brought my credit score down. The inquiries from Chase, which I did not initiate, were on these dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with Amazon and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a Chase Credit Card from Amazon. Thus this is a repeated fraudulent request. Can you assist with resolving this so that my Credit History is fixed and does n't continue to drop?
Thank you.
Consumer complaint received 2023-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

I first tried to find when my monthly statement would be available ( day of the month .. date or XXXX  XXXX  or something like that ) on the website. 

I tried using their " Live Chat '' only it is misrepresented because it is not a live chat .. just a XXXX bot. 

Then I tried emailing and got an email back ( several days later ) that said they were too busy to reply to my email and provided a list of useless, non-applicable, general links that failed to address my problem. Obviously a human nor a smart AI never read my email. 

Then I tried calling and after waiting 3 hours.. I hung up.

Just imagine if I had a real problem.

Why is it OK for NelNet to waste my most precious commodity- my time.

Great Lakes ( my previous loan servicer ) was WONDERFUL!!!!!!!!!!!!!!!!!!!

Which government agency ( a specific person would be great ) had oversight in approving the sale of Great Lakes to NelNet. They certainly didn't do their due diligence or quality customer service must not have been a criteria in approving this merger. It is obvious to me through this experience that NelNet is more concerned about making a profit than it is about helping customers in a timely fashion .... or in my case .... even at all.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, I have made a purchase from XXXX using my american express card. The item never arrived. There is a bogus signature from XXXX as proof that it arrived but it's not my signature, my name is spelled incorrectly. XXXX claimed there is a scan of my ID, but that's impossible because I did not receive the order and therefor never saw the driver and never gave my ID. I did not receive this item and American Express did not follow up with me as to why my claim was denied. I would like a re-investigation into this matter. If there is a scan of my ID, please show it to me because as of now the only thing shown to me was a XXXX XXXX with my name misspelled. I have also submitted to AMEX my response to XXXX claims and described how I did not receive the order. This is completely unfair and it puts me in a very awkward situation because now I don't trust my card moving forward. Please resolve this issue. I did not sign for this package, I did not receive it, and my ID could not have been scanned. The charge Date is XXXX XXXX, amound is XXXX
Consumer complaint received 2024-08-10
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. (TX)

The details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-08-09
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXXXXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2023-07-15
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2023-04-20
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. (TN)

EQUIFAX IS ALLOWING XXXX AND AVANT TO ATTACK MY CREDIT FILE. THIS IS HARASSMENT. THESE COMPANIES ARE REPORTING 3 COLLECTION ACCOUNTS FOR THE SAME ALLEGED ACCOUNT. THAT IS ILLEGAL. EQUIFAX MUST PRODUCE 3 WET INK CONTRACTS FOR THESE ILLEGAL ACCOUNTS OR DELETE ACCORDING TO THE FAIR CREDIT REPORTING ACT 609 ( a ) ( 1 ) ( A ). I HAVE ASKED EQUIFAX TO REMOVE THIS FRAUD BEFORE BUT THIS IS JUST HARASSMENT AT THIS POINT. THEY CAN NOT PUNISH CONSUMERS FOR ATTEMPTING TO REMOVE ILLEGAL ACCOUNTS.
Consumer complaint received 2018-05-17
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: Experian Information Solutions Inc. (TX)

CRA violation no knowledge inaccurate XXXX XXXX XXXX and Inquiries that I did not authorized appeared on my Experian credit report.
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2023 I purchased {$500.00} ( + {$9.00} fee ) of XXXX  using my debit card. I then tried to transfer it to someone, and I got an error and it was denied. I then sold it so I could transfer it a different way and Venmo is now holding my funds until XX/XX/XXXX. This is hostage of my funds, and they should not be holding it. Ive used crypto for years and have never once had a company do this. This is completely dishonest in no way shape or form should they be able to hold my funds. They refused to refund my original purchase to my debit card or to do anything to resolve this.
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (PA)

I 've put various complaints in with  XXXX  regarding fraud committed by at the time my husband in which he had also taken  XXXX  other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    utility bills, gambling sites, and IRS. Also included was IRS and Mail  Fraud.  This particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was  XXXX . I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a  XXXX   XXXX  - Cu stomer Advocate Team in  which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact to  XXXX  before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is a  XXXX  against  XXXX   XXXX  and I am prepared to work with  XXXX  to sign anything needed to clear me from this fraud. Please let me know
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MRS BPO, LLC (FL)

I have provide with Document should be sufficient to investigate MRS Offer to Settle the Account i have sent a copy of the contract payment record and loan information and before the final payment scheduled for XX/XX/30 in the amount of XXXX I notice that the Account was transfer Back to XXXX all payments have been made as agreed MRS have fail to complete the Settlement agreement and i have provide with all evidence needed Thank you. XXXX XXXX