davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

It's two cards XXXX and XXXX I've had numerous problems with Capitol One, changes in payments ( {$25.00} to {$65.00} and back to {$25.00} ) This problem is not receiving a statement for this XXXX. 
I have checked the app, every day, since the XXXX of XXXX. 
I have only used the app. I have not received statements by email or mail, ever. 
I have made payments, within one day of the statement and they refused to work with me. I've had to borrow money to make payments, already made. 
I called the company and I was told, " My statement would not generate due to inactivity ''. 
I told them it was my right to receive my statement, regardless of any purchases. 
I told them, It's unethical and fraudulent to hold my statement hostage, until I make a purchase. 
It's my right, as a consumer to receive my statements in a timely manner, every month. 
I informed them, I was not a performing circus monkey. 
This company needs oversight. 
FYI : their new excuse ; my inbox is full. 

I'm unable to attach any screenshots. 
They'll mail out a statement and my payment will be late. I'll have late fees, {$25.00} per card. {$50.00} on a fixed income. 
Why am I dealing with this obvious theft and supposed " accidental '' oversight? 
How many other people are they doing this with and they don't know, It's illegal??
Consumer complaint received 2020-04-06
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. (PA)

Recently I suspected that my identity has been stolen due to the amount of notifications I received about inquiries that I have no knowledge about. I also am aware that my information was exposed I about 2 different data breaches. XXXX data breaches, and Equifax Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (WV)

XX/XX/XXXX charged off a credit card. 

the XX/XX/XXXX credit report shows this. 

XX/XX/XXXX and XX/XX/XXXXcredit reports have this same account listed as being in collections ... .two collection agencies ; XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX, XX/XX/XXXX these companies are one and the same I spoke to them both about the account being charged off/FCA and being the same agency ... .different names ... fraud ... ..they hung up
Consumer complaint received 2020-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 my Wells Fargo business account was stolen and used without my permission. I reported the fraud and filed a police report on the matter. I contacted Wells Fargo and they credited back the amount at first. After investigation by Wells Fargo they charged/reversed the credit on my account the amount I reported as fraud. They said that since the PIN # was used they didnt find it as fraud. It 100 % is fraud and I never gave anyone permission to use my account and NO one knows my PIN #. I have no idea how someone obtained my PIN # and I have it nowhere written down. Wells Fargo is NOT helping me out as a customer that has been a victim of FRAUD
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (FL)

EXPERIAN I reset my password, when I sign on, it wants to send a text or call an old phone number. At the bottom of the page it states that I can answer security questions instead. When I click on that, it shows some fields, and then it states that there is in error on the page, it provides phone number XXXX, the automated system cant help me, and there is no way to reach a person it eventually locks me out, Ive called this number twice. Ive also called XXXX, and XXXX per online search, same experience.
Consumer complaint received 2023-04-19
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. (NJ)

I, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. Experian is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX and XXXX XXXX  XXXX - BALANCE {$15000.00} - CREDIT LIMIT {$10000.00} - Incorrect Balance being report, and high credit utilization disclosed and 30 day late payments ( XXXX - XX/XX/2023 ) violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments ( XX/XX/2023 - XX/XX/2023 ). They have violated my consumer rights multiple times. I demand a reinvestigation of the account ( s ) in question and modified and updated correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The credit bureau are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission and 15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 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. ( B ) Reporting information after notice and confirmation of errors.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (IN)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX and acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, 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 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 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CT)

I have had student loans through Great Lakes since XXXX. In XX/XX/XXXX I received several emails from Great Lakes and " Nelnet '' that my loans will be transferred to Nelnet and that I will need to create a new account with Nelnet in order to begin making payments ( after the COVID-19 pause ). 

I have been unable to create an account to make payments through Nelnet which are now due in a week ( XX/XX/XXXX ). I HAVE BEEN TRYING TO CREATE AN ACCOUNT SINCE XX/XX/XXXX. 

Their website can't locate my information in order to create an account. I've tried on several different computers and devices ( per suggestions from the thousands of others having the same ordeal ). 

No one at Nelnet picks up their phone after being on an automated hold for 2+ hours. 

Their " Live Chat '' help is unmonitored and goes no where. 

Emails do not get returned. 

How is it possible or even legal for my federal student loans to automatically be transferred to a FOR PROFIT PRIVATE COMPANY which I have no choice or options in. 

I am unable to get into this website in order to pay my student loans or even gather *any* information about them. This seems criminal. 
I will now likely be penalized for a private company 's inability to perform their function, due to their shoddy website and " customer service, '' of which there isn't any. 

What are we lendees expected to do here.
Consumer complaint received 2023-10-12
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. (MI)

XXXX  account # XXXX is in violation of 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. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America discontinued a credit card program and re-issued me a new card with their new program. I called to request a replacement card because I misplaced the one they sent. Instead of simply replacing the card, they closed the account for fraud in error. I never reported fraud. The account closure was an error on their end. 

Subsequently they stopped my online access, ceased sending emailed or mailed statements, kept accepting recurring charges and in all the hours I spent on the phone with them they never mentioned a balance on the account, and began reporting late payments. 

I have paid the balance and asked them to remove the late payment reports that appeared on my credit reports from the 3 major companies. They removed one, but to date have not removed the XX/XX/23 report. 

They refuse to remove the block from the account and instead insist that I reapply for a new credit card account at a much higher interest rate despite an excellent payment history and a 23 year history with the credit card.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

chase bank has honored XXXX and XXXX 's attempt to freeze my account. I was not aware of any court dates and went to the courthouse to file an order to show cause. following the court date in XX/XX/2022 myself and XXXX and XXXX have come to an agreement. chase bank has been contacted multiple times to release the hold on my account and all documents have been sent by fax by myself and said debt collector. I have been contacting calling parties to resolve the issue for months. chase tells me that havent received anything and up until last week the last person i spoke to from the legal department has told me that they have been denying my all documentation that the debt collector has been sending to them. Chase has received proper documentation from the debt collection agency and will not honor the lien release forn which is a legal document. i have been fighting with chase from XX/XX/2022.
Consumer complaint received 2023-10-12
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. (MI)

XXXX account # XXXX is in violation of 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. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

These accounts have incorrect information with late payments, please verify 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 2023-10-12
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: EQUIFAX, INC. (NY)

These accounts have incorrect information with late payments, please verify 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 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

There are collections on my credit report that were 1000 % not done by me. So here is the order I followed. 

1. I obtained my credit report from XXXX. Once I identified fraudulent items I sent letters over 35 days ago certified to all of the collection agencies to remove them. 

2. When I got no response by doing that I submitted a case to https : //www.identitytheft.gov/ and provided the case number with my previous cfpb submissions as well as screenshots of the fraud on my report. 

ID FOR COMPLAINT SENT TO EQUIFAX CREDIT BUREAU XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX AGENCY XXXX ID FOR COMPLAINT SENT TO XXXXXXXX XXXX XXXX XXXXXXXX I also called all 3 credit agencies directly to get no where. 

To this day close to 40 days later and the fraud items have not been removed!!! 
Federal law for consumer protection as well as timelines have not been followed.
Consumer complaint received 2023-10-12
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: EQUIFAX, INC. (OR)

*** As Stated on my FTC - Identity Theft Report **** List of Fraudulent Inquiries on Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I report this Fraud information to my bank Navy Federal Credit Union XXXX XX/XX/2023 that my funds from my checking and saving account has been fraud /scam for a total of {$14000.00} with not of my knowledge or my consent. I do not know any of these person and never heard of them. I went down to the Navy Federal Credit Unit in personal with my bank statement and show them what had happen that somebody had tamper in my checking and saving account. They took down the info what had happen and told me to wait 15 days for the there security team investigation this situation. I received a reply from security investigation on XXXX XX/XX/2023 and they said that concluded that no error occurred base on account activity and I was full responsible for the full amount of the claim {$14.00}, XXXX. I request a Security Appeal and the second request said the same thing as the first one did. I did not work for this amount of funds for somebody just wipe by funds clean off by bank account. My funds is not safe and security at this bank facility. I still don't agree on there investigation process because they did not give me in full detail what I request. My family is in a hardship stage because they refuse to give me any compensate for the pain my family is going through.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

There was a fraudulent charge placed on my credit card in XXXX XXXX XXXX. I contacted Bank of America to report the fraud. The charge was not removed until XXXX XXXX XXXXXXXX and my account was reported to the credit bureau as late for XXXX through XX/XX/XXXX. This is incorrect as there were no other charges on the account, only the fraudulent charge.
Consumer complaint received 2023-03-12
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. (IL)

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX, XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: W&A Intermediate Co., LLC (CO)

Was made aware of collection accounts with Wakefield and Associates when purchasing a house. One collection account was medical ( which was paid in full ) and the other was for a car. The car purchased was returned to the dealership due to many issues involving the work culture at the dealership and mishandled paperwork. They agreed to take the car back and the deal was closed with no further payments. Then this loan appeared on my credit report with Wakefield. I agreed to make payments of {$50.00} in order to continue the purchase of my home, for 2 years i made payments and not one payment was reflected on the balance. When I asked for payment history and expected payoff date, they stated their company does not provide that. They would not provide me with any information regarding my payment history or balance. In XX/XX/2023 they called and asked if I would like to continue payments. I asked for payment history and balance payoff again and they would not provide anything helpful in that area. They then stated that the credit beruea was dropping the case and had no explanation as to what that exactly means.
Consumer complaint received 2023-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (MO)

Years ago I opened an account with XXXX XXXX who installed a security alarm at my residence. 

I was offered a small referral fee to refer friends and family. I referred XXXX XXXX to install an alarm at my fathers residence. 

The XXXX agent fraudulently used my information and opened and unauthorized account at my fathers residence to install the alarm. I was not made aware of the unauthorize account with XXXX until it went to collections. 

The current Collections Agency is Zions Debt Holdings who is demanding {$450.00}. I've attempted to remove this from my credit report without success therefore I'm asking for your assistance.