davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2024 I sent a third written request regarding inaccurate and unknown things on my credit report. It has been over XXXX days without a response and I feel like I am being bullied after being ignored for so long. 

Section 611 ( a ) states plainly that a failure to investigate these items gives a reason to immediately remove those items from my credit report. 

Please be advised I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding the continued willful and negligent noncompliance. 

Despite XXXX written requests, the unverified items listed on my credit report still remain in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

These companies stated in writing that they have verified that these items are being reported correctly but have provided no proof of the claims after months have went by. 

I demand that these items be removed from my credit report at once.
Consumer complaint received 2024-01-24
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: GOLDMAN SACHS BANK USA (MN)

This is a continuance of XXXX. 

Complaint should not have been closed. Please do not close this complaint until I, the Customer, have resolved the disputed transaction with Goldman Sachs Bank USA, the Bank, as it is still pending. 

In addition, the Bank has not shown which vendors participate in XXXX Automatic Billing Updater. The consumer is disadvantaged in which merchants receive new credit card numbers. The Apple Card 's terms and conditions does not specify this. 

The consumer recommends CFPB to instruct the Bank to work with XXXX to turn off Automatic Billing Updater for consumer.
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

They cant give me any payment history on loan and they still owe me money from my refund on my borrow defense approval. I have talk to management and they cant give me any answer they had just giving small portion of what I paid on my loans. They tell me that I have to call Department of Education and when I call Department of Education they tell me that my loan servicer is the one who would be responsible on giving me information on my refund money for my BORROWER DEFENSE & payment history. I cant never get an answer and always be on hold for 2hrs for me to get no answer for the past almost 2yrs.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MO)

PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER. I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVING YOU WRITTEN AND UNWRITTEN VERBAL AND NON-VERBAL PER 15 USC 6802. 
ACCORDING TO THE PRIVACY ACT OF 1974 PLEASE REMOVE ALL NON MAILABLE ADDRESSES EXCEPT CURRENT ADDRESS PLEASE REMOVE ALL CHARGE OFFS- CHARGE OFF IS A CERTIFICATE OF INDEBTNESS AND IS CONSIDERED INCOME WHICH MEANS IT MUST BE REMOVED. 
PLEASE REMOVE PROMTIONAL INQUIRIES- I DID NOT CONSENT TO THESE INQUIRIES. 
THE LAW STATES THAT ITS ILLEGAL TO REPORT TRANSACTION HISTORY FOR CREDIT CARDS. PLEASE UPDATE AS PAID AS AGREED.
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX Consumer Complaint I have the following complaint with Bank of America : 1. On XX/XX/XXXX, I wired {$2000.00} to a Bank of America account of a vendor I have wired funds to before and subsequently.

2. Bank of America rejected the wire and returned it with the reason that the address was incorrect. 
3. Bank of America returned the funds and deducted {$45.00}. 
4. Bank of America subsequently accepted a wire to that account from my same sending account at XXXX with the same instructions. 
5. The sending instructions at XXXX are registered on my account and were not changed. 
6. I called Bank of America and they said charges on returned wires are not refundable even if their error. 

I think this is completely unfair and inappropriate. When a banking institution makes an error with a non-customer, they should return a fee they have taken. I suspect this situation occurs many thousands of times a year and is a source of significant loss to consumers. 

Details are below. 

I ask the XXXX to investigate this on my behalf, and ask Bank of America to return the {$45.00} fee to me and all similarly situated banking consumers. 

Kind Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wire Data Bank account data showing sent wire and wire received less {$45.00}. 

XX/XX/XXXX Incoming Wire Transfer WIRE FROM BANK OF AMERICA {$1900.00} XX/XX/XXXX Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to Seart - {$2000.00} Bank account data showing subsequent wire sent to same address and accepted. 

XX/XX/XXXX Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to XXXX - {$6600.00} - {$6600.00} Wire instructions to vendor from my XXXX account BANK OF AMERICA N.A. 
US Send to this Account Account Currency US Dollar ( USD ) Account Number XXXX Routing ( ABA ) Number XXXX Wire instructions from vendor Bank of America XXXX : XXXX XXXX XXXX XXXX Account : XXXX Routing number : XXXX ( for wire transfer )
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (OH)

The Family Educational Rights and Privacy Act of XX/XX/1974 ( FERPA ), otherwise known as the Buckley Amendment, was passed to protect the privacy of students ' educational records. It gives parents and students who are 18 years and older the right to access their records. It also requires that parents or eligible students give permission before their information is released to a third party, except in special circumstances like transferring schools or a health emergency. My current student loan servicer NELNET Inc. and the Department of Education, is in violation of the Family Educational Rights and Privacy Act of XX/XX/1974 ( FERPA ) because they have been reporting my loan information to third parties. This information is to be removed from my consumer credit reports effective immediately.
Consumer complaint received 2024-01-23
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: PENTAGON FEDERAL CREDIT UNION (GA)

XXXX Pentagon Federal Credit Union reports an old account to the 3 major credit bureaus as delinquent. This is inaccurate and unfair reporting. I've disputed this account several times and requested that they remove the account in accordance with Fair Reporting Act codes.

I've included Two PDFs ( s ) showing the inquiry and showing Pentagon federal Credit Union Removing the inquiry
Consumer complaint received 2024-04-03
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States | 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 15m of momation other stares : ion umation oter than armat any cions of crimes concaniedates te repoor 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 2023-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (CA)

I made XXXX deposits in XX/XX/2023 I opened my account in XX/XX/2023 the only deposits I have been able to make totaling XXXX dollars. I have had no clue that they clear I had no notification. Nothing till I checked my account and forgot I had made those deposits I go to the ATM and decline I tried to go login online no access I did get a letter stating that funds are on hold due to suspicious transactions I never knew anything about the investigation on my account didn't know account was froze until everything started to get returned my car payment overdraft returned stating due to hold on my account. 
If the checks cleared they have a law called XXXX rule and it's way past that hold time. I have been lied to told excuses after excuses about why I was even lied to a discriminated against. It's alarming for the fact they are my bank and should be protecting me all the returns have lost my car due to non payment goanna lose slot if they can't resolve this. 
I was told to into the branch and sign a affidavit taking responsibility that turn into oh no we need all parties to come in and sign. If they was going to go onto the bank they could have without me but they endorsed the checks because of their moving situation I accepted the payment t for the construction clean up of the old property they sold to XXXX company these people are millionaires and have moved on with their life. So in the end XXXX reachable but I would assume the bank XXXX would have had a better chance than me by now its been over 6 months now. I have been basically told we dont know if youre a lying to my face and I was told to contact a person I. XXXX department who is never ever available not one has returned XXXX of my calls messages nothing I have talk to. Complaints department who promised to call me back never has I been waiting since XXXX this is frustrating. And wrong I feel like they are expecting me to give up by ignoring me so they can keep I the money. No one is looking to file for a return because there is no fraud being committed I refuse to allow thus bank to steal from me I have sent complaint to bbb they recently closed case due to the person responded and they said nothing about nothing I have called them they to have yet to call me like they say they would now they just say we need all partys signatures well you already have them the checks cleared from. The paying bank without any doubt but now my bank is doubting me its wrong g and they need to release my funds at once and close my account
Consumer complaint received 2024-04-03
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. (NY)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (DC)

According to the Fair Credit Act 15 USC 1681 section 602a states There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) state that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my non disclosure option. Not only does 15 USC 1681C ( a ) ( 5 ) state Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e statesEvery consumer reporting agency shall maintain reasonable procedure designed to avoid violations of 15 USC 1681c if this title and to limit the furnishing of consumer reporting to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedure. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. I am opting out of your reporting service.
Consumer complaint received 2023-09-12
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-01
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. (IA)

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 number : # XXXX Account name : # XXXX 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 2024-04-03
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. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NJ)

Subject : Formal Notice of Violations and Request for Remediation Dear Jefferson Capital Services, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Jefferson Capital Services has handled my credit information. 


It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), NJFCRA Section 56:11-28, and breaches the New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 ). 


Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and NJFCRA Section 56:11-28.

I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), NJFCRA Section 56:11-31, and NJFCRA Section 56:11-34. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ) and NJFCRA. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. 


Moreover, I insist on Jefferson Capital Services providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and NJFCRA Section 56:11-28.

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 


I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. 


Done in good faith.
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN HONDA FINANCE CORP (NJ)

In XXXX of 2022 I went with a friend to support him to lease a vehicle with XXXX XXXX in XXXX NJ. During this time I attempted to support my friend by co-signing on a lease for the car. During this time I became a victim of consumer fraud. I was mislead to believe that I was only co-signing for the friend. Instead it actually appeared on separate documents that I was the owner of the car. I also believe there were documents that Honda attached my signature to that I did not sign. Finally, Honda approved a 1099-A that absolves me of the debt. My credit score has crashed as a result of this car that is absolutely not mine. I would like this off my credit report and can submit any documentation required.
Consumer complaint received 2024-01-19
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. (TX)

Dear cfpb I hope this message finds you well. I am writing to express my dissatisfaction with the way a recent dispute was handled by Chase Bank regarding a transaction on my account. 

Transaction Details : Type : Sale Transaction Date : XX/XX/2023 Posted Date : XX/XX/2023 Description : XXXX Merchant Type : Discount stores Method : Online, mail, or phone ( XXXX XXXX  ) Category : Shopping Reference Number : XXXX Amount : {$48.00} Total Rewards Points Earned : XXXX The issue arose when I made a purchase on XXXX, and the seller failed to provide the promised free return service. Despite my attempts to resolve the matter directly with the merchant, I was unsuccessful in obtaining a satisfactory resolution. 

Subsequently, I initiated a dispute through Chase Bank to address this issue and seek a fair resolution. Regrettably, I found the process to be unsatisfactory. The communication and support provided during the dispute resolution were subpar, leaving me frustrated and dissatisfied with the overall experience. 

I understand that dispute resolution can be complex, but I believe that as a valued customer, I deserve a more transparent and efficient process, especially when faced with a situation where the seller did not adhere to the agreed-upon terms. 

I kindly request a thorough review of this dispute case and would appreciate any assistance in ensuring a fair resolution. Your attention to this matter is highly appreciated, and I trust that Chase Bank will take the necessary steps to improve the dispute resolution process for its customers. 

Thank you for your prompt attention to this concern. 

Sincerely, XXXX
Consumer complaint received 2024-04-03
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 have repeated letters and verbal disputes filed with Experian about XXXX account since XX/XX/2024. I have called twice and spoke with an Experian representative about the account in error. I have received a form 1099 C " cancellation of debt ''. I am asking that Experian report {$0.00} balance on my credit report and I have submitted the form 1099 C for validation to my request.