davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate 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 dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-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 the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on the credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. The following accounts are not mine, I did not open any of them, and I am not a debtor : XXXX XXXX XXXX ( XXXX ) and XXXX XXXXXXXX XXXX XXXX ( XXXX ).
Consumer complaint received 2023-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

Hello, Every time I try to call in to get information about my loan, my servicer, Nelnet, keeps me on hold for over an hour. They do offer a callback feature, but it is very sporadic in nature. For instance, on the phone yesterday it was asked if I wanted a callback but I could not get my phone to the correct screen with my keypad in order to request the callback. Then, the system never asked if I wanted a callback again. As a result, I was forced to wait well over an hour to speak to someone. 
The other part of my frustration is that I requested to be put onto the new IDR SAVE plan back in XXXX. They claim that they are still processing my request and that it should be at the end of XXXX ( next week ) when this will actually happen. 
In XXXX I reconsolidated my Private Loan ( also with Nelnet ) to a Direct Consolidation loan and have been unhappy with the customer service at Nelnet since the switch. As a Private loan customer, their customer service is excellent with very low wait times to speak with someone. I was not expecting this change when I switched over. 
Thank you
Consumer complaint received 2024-03-15
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. (TX)

I value the efforts already made to address some inaccuracies in my file resulting from incorrect reporting on my credit report. However, there remain several inquiries and an inaccurate address that require removal. After reviewing my credit report, I noticed persistent inaccuracies that I find problematic. Upon contacting the companies listed below, I requested the removal of these inquiries from their records and the deletion of any associated records with credit reporting agencies. They have assured compliance with my request and the necessary steps for resolution. Nonetheless, I am reaching out to ensure these corrections are fully implemented. The list below details the outstanding inquiries and the inaccurate address that need to be excised from my credit reports : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX As a forthcoming mortgage applicant, I am keen to ensure my credit score accurately reflects my creditworthiness. Enclosed with this communication is my updated FTC report, numbered XXXX. I request a comprehensive report on your findings within the next 30 days, anticipating prompt resolution to this matter.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have been trying to get these unauthorized inquiries removed for the last few days, but they are no available. They were unauthorized and fraudulent. Please help me remove them from my consumer report. I was told to submit a complaint to the CFPB because you could help me. I have sent in my FTC report and other documents proving this isn't mine. I didn't authorize this. These inquiries are damaging my credit score and keeping me from getting new credit ; I am looking to apply for new credit products as we speak. 

These inquiries are XXXX XXXX ( XXXX. XXXXXXXX XXXX ) and XXXXXXXX XXXX ( XXXX. XXXX, XXXX )
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (LA)

Received a {$100.00} pre-paid American Express credit card as a bonus from my employer ( which I am being taxed for ) on Monday, XX/XX/23. I attempted to purchase a {$99.00} order from Amazon that same day using the card. On XX/XX/23, a {$0.00} transaction from Amazon was made on the card which is still there on the American Express website, but on XX/XX/23 I received an email from Amazon saying the purchase was declined. I then attempted to make a {$95.00} purchase on Amazon to load my account 's gift card balance but that also was declined. There are no transaction logs or any other information on Amex 's website to indicate why the transactions were declined, and all transaction amounts were lower than the available balance on the card. Lastly, I tried to link the Amex card to my Paypal account and it did not even allow me to link it. At this time, my balance is still {$99.00} due to the {$0.00} transaction for a purchase that was ultimately declined.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (DC)

I have settled my debts and have paid them off with Affirm. They are refusing to report that I have settled and payed the debts in full. I paid on XX/XX/XXXX and XXXX, and wait 30 days. However, this information has not been updated to my credit report. I have called them and asked them to update the balances, however they have continued to refuse my request. I have 2 loans that still have balances, but I have made payments towards loans. Those 2 loans are also not reporting that I have made payments towards them.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-10-10
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: CITIBANK, N.A. (OR)

I did not authorize any of these inquiries : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX All Banks XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
CITIBANK NA., BEST XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  All Banks XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX All Banks ( XXXX ) XXXX CBNA  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX All Banks ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing
Consumer complaint received 2023-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (WV)

Haaqve spoken with four different reps at the XXXX XXXX, Mr. Cooper. 
XX/XX/XXXX payment of {$350.00} made to be applied to XXXX Mortgage XX/XX/XXXX payment of {$310.00} made to be applied to XXXX Mortgage XX/XX/XXXX {$40.00} made to finish XXXX mortgage. 
All payments are applied. They never applied for the XXXX mortgage. I made a payment of {$700.00} on XX/XX/XXXX. This was applied to the XXXX Mortgage when it should have been applied to the XXXX mortgage payment and made a payment on XX/XX/XXXX for {$700.00}. This should have been the XXXX payment applied to XXXX. I Have spoken several times to reps to resolve this. They keep reporting to the credit bureau even though no payments have been missed. They keep telling me each time they are escalating the issue. It's been 90 days, and it's still not resolved with looking at another late fee added to my account. When they call me they claim they don't see anything unapplied, but when I initiate the call to try to get resolved, they see the " paper trail '' Each rep tries to tell me that it was applied to another date which it was not because of the trail I have proving it.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

I received a letter from Chase stating that I applied for a Chase Freedom Visa Platinum credit card and was denied. I never applied for the card. They reported that they checked my credit score, as well. This was done without my knowledge or consent. I never will and never had a Chase account.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

Attached is a letter from XXXX XXXX for proof of payment of the the following credit card accounts listed on my XXXX and Equifax credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want XXXX and Equifax to make a notation that the accounts are paid off and I want the accounts immediately closed, deleted and removed from my XXXX and Equifax credit report.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (FL)

I received a message from my mother in who I do not have contact with advising American Express has reach out to her regarding my account. I called American Express to ask HOW they received my mothers contact information for whom has no association to my application. I didnt not add her contact information or phone number as a reference. They informed me that they have XXXX my name and contacted any number to ask if they know my regarding my affairs. This made me feel completely violated and my information exposed. They gave her a call at XXXX XXXX is the manager of internal collections
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

First Republic was bought by chase and in process of managing my mortgage I was informed Chase retained personal information as well as login information from over 10 years ago. This was at no point disclosed to me. Chase has indicated this is their process and have no duty to inform clients of such. They have further indicated that as this is their policy they have done nothing wrong and have no duty to inform if there are data breaches or other concerns with the retention of ones information.
Consumer complaint received 2023-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute these issues with no result. This is the letter I sent to the credit bureaus. I received a letter from your firm stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed via certified mail, I will file a complaint with the Federal Trade Commission against your company. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (VT)

I have been a customer of Barclay since XXXX  and have had more than XXXX payments, none late. In XXXX I noticed an email saying my account is seriously past due. I don't use this credit card very often and don't typically monitor my personal email. I was confused as I pay this account via a paper statement and don't recall seeing that. I tried calling on several occasions and had a tough time reaching a person to talk to. I was routed to collections apparently and treated like a deadbeat. I paid right away and learned later that somehow I missed a statement for a {$25.00} balance. This quickly escalated to {$97.00} with in late charges and interest. During this time, our region was in the midst of a devastating flood event for most of our XXXXXXXX XXXX region and I became a XXXX XXXX XXXX Barclay 's steps taken alone reduced my credit score by XXXX points to XXXX. 

Here is the request for assistance that I sent to VT XXXX XXXX : 11 days agoDetails Hello XXXX XXXX  I'm writing to you hoping you can help a situation that Im challenged by. Here are details : RE : Barclay Advantage MasterCard XXXX My credit score is something I closely manage and have been aiming for an XXXXXXXX credit score. It had been XXXX most recently except for a recent issue with the referenced account that plunged my credit score XXXX points to XXXX. I'm not sure that my credit score had ever been this low. 

I don't use this credit card very often and was very surprised to see a personal email saying my account was seriously past due. I don't use my personal email very often. This credit card was supposed to be set to paper statements. I have had great difficulty trying to access this account online and finding someone to talk with when I call the help line. I spoke with someone there today who said I've had 18 late in payments since the account was opened with them. My reply was that I had had a credit score of almost XXXX, with a very strong payment history with everyone. 

I'm attaching the statement for period XXXX. I don't believe I received this account statement, so responded with full payment when I noticed the " You are seriously past due '' in an email. Each of the last two statements charge {$30.00} or {$40.00} + interest on very small balances. My credit history has been very adversely affected. 

I'm really hoping you can help. I have other credit card statements, but I'm concerned that other people are also receiving this bad treatment. 

Please let me know if I can tell you more. 
Thank you for any consideration. 

XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX XXXX cell XXXX XXXX
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NY)

Dear Sir, My name is XXXX XXXX. 

I have a Wells Fargo XXXX XXXX XXXX XXXX that I use daily when needed. 

In XXXX I made my payment of {$100.00} to Well Fargo, my payment was due the same day I paid my credit card. I was having some hardship due to COVID. 

In the XXXX statement, Well Fargo charged me a late fee of {$29.00}. I called Wells Fargo and explained that I was having some hardship due to COVID and that is why I paid my bill the day it was due. Wells Fargo refused to waive and forgive the late fee.

I am writing to you to ask for your help in this matter.

I always pay my bill on time and I always pay way more than what is due. I believe Wells Fargo should be able to forgive the late fee, Most of the American people are having hardship due to COVID, and credit cards company should not charge us late fees because we paid our bill one day late.
I need your help in getting Wells Fargo to waive or forgive the late fee of {$29.00}.

I am not asking to suspend any payment, just waive the late fee.

Thank you.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I opened up a credit card and lost it every time I try to access the account Im being told my information dont match so they wont allow me to access it. However I get a email about the account and their allowing late fees to continue to build up on the account but wont give me access to the account
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (MI)

I had a credit card with American Express for 6 to 8 months. Since I was working on a project for my business at some point and time I would lend money from the credit card to a client until they could repay me. American Express called inquiring about my business dealings, I supplied the necessary documentation they needed to satisfy their inquiry. Then randomly months later, I received an email stating they closed my account amd I owe the full amount, a little in excess of {$7000.00}. They did not give me a reason. Then I paid a portion right away to show good faith that I am working with them to pay off what I owe. I have been in communication with them about payments, so their next action was completely uncalled for. I received a text message from my brother that American Express had reached out to him but addressed to me in the voicemail to me telling me to contact them in regards to my account. That is none of his business, nor anyone else, and it forced me to respond to him about my own business in which I was very unhappy about. When I called American Express complaining they said it was the alternate number to comtact me - which is completely false I never provided my brother 's phone number for them to contact in regards to my account. I told them that I believe that is unfair and poor business practices especially since I have been in communication and working with them in good faith on my part. Not to mention they call me 3 times a day which is a huge disruption to my day. I would understand their situation more so if I was completely ignoring or throwing in the towel on what I owe however that is not the case and I believe I have been treated very unfairly in the situation given I have not been given any reasons why my account was closed from the beginning.
Consumer complaint received 2024-03-15
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. (TX)

CFPB XXXX XXXX Is still open and unresolved. It has been 45 days and this has not been addressed. 

YOUR COMPLAINT The Fair Credit Reporting Act ( FCRA ) is a federal law that governs how consumer credit information is collected, used, and shared. Section 1681b of Title 15 of the United States Code ( 15 USC 1681b ) specifically addresses permissible purposes for obtaining consumer reports. It outlines the situations in which a consumer reporting agency is allowed to provide a consumer report to someone. In summary, 15 USC 1681b outlines the permissible purposes for obtaining a consumer report, and it generally restricts access to consumer reports to situations where there is a legitimate need. Permissible purposes include : In response to a court order or federal grand jury subpoena. With the consumer 's written consent. For a legitimate business need in connection with a credit transaction initiated by the consumer. For employment purposes ( with certain restrictions and additional requirements ). For the underwriting of insurance. When there is a legitimate business need related to a transaction initiated by the consumer, such as reviewing an account or collecting a debt. To comply with laws, regulations, or a legitimate government need. The following Non-permissible inquiries are listed on my credit report. XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX