davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
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. (FL)

I am interested in processing disputes on my credit report with experian to help clear all the inaccurate data that is hurting my file. this has been a big issue. please delete an remove all information listed this has hurt me. delete asap.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-04-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I submitted a dispute with Experian because they were reporting inaccurate and false payment activity for an account on my credit report. On this particular account, Experian was showing payment activity for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but the account was not opened until XX/XX/XXXX. 

Experian received this dispute on or about XX/XX/XXXX and completed reviewing my dispute on XX/XX/XXXX. 

Rather than remove the account with the inaccurate and false payment activity, Experian intentionally and maliciously decided to remove two years of positive payment history from this account. 
This action by Experian adversely affected by credit report and credit score.
Consumer complaint received 2023-10-18
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: JPMORGAN CHASE & CO. (OH)

I am a victim of identity, fraud identity theft, misrepresentation and theft by deception and unauthorized use of credit I reported to all agencies about the unauthorized use of my credit the list includes XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/2023 JPMCB CARD SERVICES Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX  Inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 JPMCB CARD SERVICES Inquirv : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX Inquiry : XX/XX/2023 I lost my wallet with my State Identification card in it. On XX/XX/242023 I noticed an inquiry on my credit report from XXXX XXXX XXXX XXXX This information was reported without my knowledge or consent. I am a victim of identity theft and fraud as have filed a police report with the FTC under report number XXXX. These Companies has violated the Fair Credit Reporting Act by reporting information that is false or known to be false. They ignored the fraud alert on my profile thus violating my right to privacy.
Consumer complaint received 2018-10-18
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. (UT)

There is a debt on my credit report- collection, that is not mine. I have disputed it and the company that issued the collection agrees, this is not my debt. Yet it is still on my credit
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

Despite communication with the company inaccurate information remains on my credit report. inquiries are shown on my credit report that were not authorized by myself that the company has failed to remove and is affecting my credit. 
XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  XX/XX/XXXX
Consumer complaint received 2023-10-18
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: NAVY FEDERAL CREDIT UNION (OH)

I am a victim of identity, fraud identity theft, misrepresentation and theft by deception and unauthorized use of credit I reported to all agencies about the unauthorized use of my credit the list includes XXXX XXXX XXXX, XXXX XXXX, NAVY FCU Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX + XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquirv : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX Inquiry : XX/XX/2023 I lost my wallet with my State Identification card in it. On XX/XX/242023 I noticed an inquiry on my credit report from XXXX XXXX XXXX XXXX. This information was reported without my knowledge or consent. I am a victim of identity theft and fraud as have filed a police report with the FTC under report number XXXX. These Companies has violated the Fair Credit Reporting Act by reporting information that is false or known to be false. They ignored the fraud alert on my profile thus violating my right to privacy.
Consumer complaint received 2023-02-19
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. (GA)

This account was an insurance claim that was paid out by my insurance provider and the gap insurance provider at the time. The amount that is being reported as a charge off, was actually the amount that me and the company agreed would be wrote off because of the total loss insurance claim. I wrote the company to get validation of debt but the letter was returned to sender. Due to company being unreachable at the address on file. In compliance with 15 U.S. code 1681g ( 3 ) ( a ) ( ii ) ( b ) ( i ) ( ii ) which speaks on disclosure to consumers. The credit reporting company never provided information on how, who, and what information was used to say this account was verified. Being in violation of 15USC 1681e ( b ).

The attached 1099C from shows proof that this account can not be considered as debt. I had to file the amount on my return which the IRS says this is taxable income. Which makes the debt paid and the company policy is to discontinue any collection.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

Ive made XXXX - {$620.00} payments this month. The balance has not updated but in-fact increased by {$700.00}. Ive been logging in everyday and taking screenshots because my balance keeps increasing with no explanation and I have not taken any loans out and have been paying MORE than required. Ive called everyday and there are 3+ hour hold times. No one answers the phone. I feel completely helpless and like my debt keeps increasing and no one is explaining anything and Im paying money thats not being applied to the loan.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

Here 's the facts : 1. I have moved several times in the past XXXX  or so 2. I lost my phone number and didn't get a new one for several months 3. Apparently my password for their security freeze website doesn't work 4. I am attempting to get a car loan, but I can't because my credit is frozen ( because of the XXXX hack in 2015 ) Experian : 5. I attempted to recover the password online, however, the only option they provide is to send a text message, but they don't know my phone number and I don't have access to the old number. I still know the answers to my security questions, and I have the XXXX  they assigned me, but they are not using these. 

6. I attempted to recover the password via phone, however, they only option they provide is to verify my identity by SSN and address. I don't know which address they have on file, so I can't put in a correct number. I tried the last three addresses, but none worked. 

7. There is no option to talk to a person to sort this out.
Consumer complaint received 2023-06-17
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-13
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. (GA)

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX  XXXX XXXX Balance : {$29000.00}
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

I have 8 federal loans from attending the University of XXXX. On XX/XX/23 6 of those 8 federal loans were put into administrative forbearance by Mohela due to a pending IDR request. 2 of my loans, however, were not placed into administrative forbearance ( DL Student PLUS, XXXX XXXX and XXXX XXXX ). I have called Mohela every week since then and have received conflicting information, in addition to a delinquency notification on my account, which is the nature of my complaint. 

Around XX/XX/23, XXXX at Mohela informed me that he placed a request for the remaining two loans to be placed in forbearance. When I called to check in on the matter last week, I was told that those loans will not be placed into forbearance because they're DL Student Plus Loans. Then, on today 's date, I contacted Mohela again, and this time they said that there is still a request to have them placed into forbearance. 

I contacted Mohela multiple times well before my due date of XX/XX/23 because I can not pay, hence the nature of my IDR request. The due date came and went without word from Mohela, however, and now my account is being considered " past due '' and " delinquent ''. 

I have never missed a payment, I am a XXXX employee with over 45 PSLF qualifying payments, and I have a credit score of well above XXXX. My finances are very important to me, as is my PSLF. I am writing to advocate for an immediate response regarding Loans XXXX and XXXX.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

the following acoount s are being reported inaccurately XXXX XXXX XXXX XXXX XXXX account XXXX XX/XX/XXXX late account is on auto pay, XXXX XXXX incorrect balance - always pay to a XXXX balance. XXXX, equifax and XXXX are inaccurately report the accounts.
Consumer complaint received 2023-10-18
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Capital Link Management, LLC (WA)

Capital Link Management is not only sending unauthorized wrong-party phone and text debt collection messages to my personal cell phone, but they have revealed, in detail, the debt of a party completely unrelated to me in violation of the FDCPA. That detail includes, without verification of my identity or cell phone authorization, the wrong-party name of the debtor a detailed amount owed. 
Their ( now redacted ) unlawful message reads " Hello, XXXX XXXX, our office Capital Link Management, has been granted the ability to provide an equitable settlement or payment plan on Balance Credit, account. XXXX $ XXXX,. Option 1. pay one time $ XXXX, or $ XXXX, over a year period. Please Call XXXX at XXXX. Thank you. If you wish to no longer receive text messages, please reply STOP. ''
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is reporting on my credit report for an insurance policy that I had canceled they are trying to charge me when I called and canceled the policy I did not want insurance at the time they are saying I owe this money for I had another insurance company that I went with
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

I opened a wells fargo checking account on XX/XX/ 2023 through online. 
while I was opening the account, wells fargo asked to put the minimum deposit to open an account. so I made {$100.00} transfer to wells fargo account # XXXX from my XXXX account # XXXX. On my XXXXXXXX XXXX statement, {$100.00} was transfered to wellsfargo on XX/XX/XXXX. 
on the same day, I fount out there is no branch near me so I wanted to close the wells fargo account I just opened. 

{$100.00} already transferred to wells fargo account from XXXX. I spoke to XXXX and they said {$100.00} already left out of their hands and settled to wells fargo. 

I talked to the agent in wells fargo and they never received {$100.00}. 

Because I closed the account on the same day I made transfer, but that transactions was not cancelled and I need {$100.00} back to my XXXX account. The agent who closed my account did not do the right action.
Consumer complaint received 2023-10-18
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$250.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX
Consumer complaint received 2023-10-18
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 are not mine, they have incorrect information and greatly affect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
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: Westlake Services, LLC (FL)

Westlake Portfolio Management had my account from Byte  I never made a late payment on. And I paid it off. But on my credit report its says I have a late payment. Ive contacted them and one of the representatives agreed Ive never made a late payment on but would not take the late payment off my credit report. This happened the week of XXXX XXXX of 2023
Consumer complaint received 2023-10-18
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 MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED AND INQUIRIES, AND WAS NOT NOTIFIED OF INCORRECT INFO ON MY REPORT. 

I MAILED OFF LETTERS ON XX/XX/2023
Consumer complaint received 2023-10-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I went to Bank of America recently to cash a measly check for {$95.00} with Bank of America listed as the bank. 

I can not believe they had the audacity to charge me an {$8.00} fee for not having an account even though the check was drawn to be cashed at their bank. 

They charged me an {$8.00} fee leaving me with {$87.00} out of the {$95.00} check. I was shocked when I mentioned this to the bank teller and she told me that this was their policy. I was in utter shock and disbelief. This can not even be legal and then she tried to get me to open a bank account with them as well. 

I will not be doing business with Bank of America because how can you have a policy in place to charge individuals a check cashing fee for a check that can legally be cashed at your bank? I will be filing as many complaints regarding this matter as I possibly can. 

People are struggling and this makes no sense to me whatsoever. I went to the Bank of America located at XXXX XXXX XXXX in XXXX, VA I can not believe that this is what is going on and that they charged me an {$8.00} fee this is beyond egregious, to say the least, and unacceptable.
Consumer complaint received 2023-10-18
Product: Credit 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: JPMORGAN CHASE & CO. (SC)

On XX/XX/ I booked a hotel for my upcoming trip to XXXX XXXX XXXX. They charged my chase freedom credit card XXXX. For the XXXX XXXX XXXX XX/XX/XXXX to the XXXX XXXX 
On XXXX XXXX XXXX XXXXXXXX I contacted the XXXX hotel to confirm my hotel reservation. I was told they didnt have a reservation and I needed to contact XXXX 
I contacted XXXX and chase bank that there wasnt a reservation on file for me and I disputed the charges. 
XXXX requested booking confirmation etc. which I could only provide the charges. I communicated with them up through XXXX XXXX 
I have gone back and forth with chase and XXXX 
I have provided the following information to chase bank in writing : Email from the XXXX hotel in XXXX  that they never had a reservation for me nor received any payments from XXXX covering a reservation. XXXX XXXX from the XXXX hotel XXXX Copy of Credit card charges. 
I want my money back. I had to book with another hotel for my trip. 
Ive attached documents to this complaint. 
Please advise if you need any additional information.
Consumer complaint received 2024-04-05
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. (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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 XXXX 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 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have five fraudulent inquiries appearing on my credit report 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