davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX  included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. XXXX XXXX XXXX has two account on one report account number are XXXX and other report account number is XXXX neither accounts are mine
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, Equifax who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX LATE PAYMENT IN 2022. The Remarks. Amount past due {$270.00} XXXX XXXX XXXX  PAYMENT IS INACCURATE 60 days late Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not XXXX. Equifax the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, Equifax, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-02
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. (PA)

ACCOUNT NAME : XXXX. This company is in direct violation of the FCRA with the inaccurate information being furnished to the credit bureaus. This company does NOT have my consent to furnish these accounts to any third party. This account has many inaccuracies including ; original balances not matching, credit limit not matching, there is NO account number listed, there is NO account type listed, past due amount does not match on any of the credit bureaus. I want this account removed immediately!
Consumer complaint received 2023-09-03
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. (GA)

I am aware there is a past due balance and agree to pay the following financial obligation regarding ACCOUNT : XXXX to which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of receiving this Conditional Acceptance sent certified mail return receipt, requested you deliver to me the following : provide a copy of the master promissory note and disclosures according to The Truth and Lending Act. 
provide a validation of the debt, that, production of account and the general ledger statement.

Verification of your claim against XXXX XXXX that is, a signed Invoice. 
A copy of the Contract binding both NEL NET AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. 
A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
IN THE EVENT YOU HAVE BEEN SECURITIZING MY NOTES AND FAILED TO PROVIDE ME MY SHARE, I WOULD LIKE TO BE REIMBURSED MY 80 % WHICH I AM ENTITLED TO RECEIVE BY LAW, IF THEY WERE SOLD IN SECONDARY MARKET. PLEASE REDIRECT MY SECURITIES TO THE UNITED STATES TREASURY SO THAT THEY MAY BE SECURITIZED THROUGH MY TREASURYDIRECT ACCOUNT XXXX. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The CUSIP number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above documentation for my personal records. Thank you for your time and attention to this matter. 

Respectfully, XXXX XXXX XXXX BENEFICIARY AUTHORIZED REPRESENTATIVE FOR XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved. 



IT IS IDENTITY THEFT BECAUSE ACCORDING TO FERPA US DEPT EDUCATION AGREED TO NEVER SHARE MY PERSONAL INFORMATION IN WHICH SOMEHOW NEL NET GOT IT WITHOUT MY CONSENT OR PERMISSION. NOTES HAVE BEEN SECURITIZED WITHOUT ME RECEIVING MY SHARES. I REQUESTED MPN AND ALL LOAN DISCLOSURES VIA CERTIFAL MAIL RECEIPT # XXXX XXXX XXXX XXXX XXXX. INDENTURED TRUSTEE FOR NEL NET IS LIABLE AND REPSONSIBLE FOR THE FRAUD THAT IS OCCURING AND HAS BEEN NOTIFIED.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

the following accounts ( credit cards ) XXXX XXXX and a XXXX XXXX, are reporting inaccurate late payments for which i disputed and they have sent me the letters ( hence attached ) but the bureau are not cooperating and not updating their data base to have not late payments, i have also attached the letters received by both creditors for which they have approved to remove this inaccuracy but the bureaus are not trying to cooperate in this matter, please have them to remove and update my credit reports. 
thank you
Consumer complaint received 2023-09-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX XXXX, am XXXX  and hold superior title and ownership over my name XXXX XXXX XXXX. I rebuke and reject XXXX promissory note and claim of ownership over my name XXXX XXXX XXXX. I command the Department of EducationXXXX with the account number XXXX to remove their debt immediately from my credit profile. I am XXXX  and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, XXXX, and fairness in order for the Department of Education/XXXX  debt to be free from my credit profile. The attached documents is evidence I hold superior title and ownership over my name XXXX XXXX XXXX and that the Department of EducationXXXX has no standing at law against my superior title and ownership over my name XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had an account with Capital One that has been closed since XXXX. I checked my credit reports and noticed that they are reporting that I am 30 days late on this account. I contacted the credit bureaus and they failed to fix the issue. I also reached out to Capital One and they too failed to fix it and sends me the same letter over and over again. This is stressing me out because the late is being re-reported each month and won't go away and the account has been closed for XXXX years. I am consulting with a consumer rights attorney on this because the bureaus won't fix the issue.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account INQUIRY DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-02
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I HAVE BEEN THE VICTIM OF IDENTITY THEFT. PLEASE REMOVE OR BLOCK THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS 5 ACCOUNTS THAT ARE ON MY CREDIT REPORT FRAUDULENTLY. PLEASE REMOVE THEM ASAP
Consumer complaint received 2023-04-26
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. (TN)

I have two address on my credit report one in a state I never lived in and one address i never lived at in Florida. I filed a dispute with the Experian Credit Bureau. Experian said the addresses was valid. I asked them to validate this inaccurate information I was told the credit company reported that information so its valid. I told them i didn't even know what the the debt is and nor have I ever lived at the two address. 

I have never visited nor lived in New York. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX I have never lived at XXXX XXXX XXXX XXXX, FL XXXX They Are also reporting different variations of my name and i asked them to correct that as well/
Consumer complaint received 2023-04-26
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. (PA)

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX I am deeply disturbed by how XXXX XXXX, Experian, and XXXX have violated my rights and continue to do so without care. Who is going to govern them? 

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 or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Consumer complaint received 2023-04-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (TN)

See CFPB Complaint # XXXX which CFPB closed upon SUPPOSEDLY receiving a response from U.S.Bank. CFPB informed me that U.S.Bank responded on XX/XX/2023. XXXX  is XX/XX/XXXX, and I have yet to receive a response, either written or by phone. Having not received the response by XX/XX/XXXX, I phoned the U.S.Bank phone number ( XXXX ) which CFPB provided. Having to leave a voicemail for a return call, I learned that the phone number belongs to U.S.Bank employee XXXX XXXX. She did NOT call back so I called again a few days later, and I still did not receive a call back. Apparently both XXXX and CFPB have been ignored. The problem which initiated the complaint has yet to be resolved.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have had multiple overdraft fees which should not be because a overdraft is a extension of credit and you dont owe anything. XXXX XXXX XXXX ( XXXX Rules concerning extensions of credit ) states I can not be denied. XXXX XXXX XXXX - Extension of credit also states that overdraft fees are included in the extension of credit. 

When reviewing my account you will see overdraft fees on : XX/XX/XXXX for {$12.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$70.00}, XX/XX/XXXX for {$47.00}, XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$12.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$70.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$35.00}, XX/XX/XXXX for {$10.00}, XX/XX/XXXX for {$10.00}, XX/XX/XXXX for {$10.00} While reviewing my account I contacted the company and the agent told me that there are limits of reversal for overdraft fees, where in fact, as mentioned above, I should be be charged for an extension of my own credit.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-02
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. (NJ)

DEAR XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/2024, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.