davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
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. (FL)

This XXXX XXXX XXXX XXXX { XXXX } just appeared in my credit file in XX/XX/2024. 
I have never opened an account and received products. I have never used my name, signature or government ID to open an account. I never received any products. This is a fraudulent account and identity theft. 

This XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: The CBE Group, Inc. (WA)

CBE XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX IA XXXX has repeatedly called me before XXXX XXXX on XXXX, XXXX, XXXX and XXXX of XXXX i was called just shortly after XXXX on these days as i live in Washington state on XXXX XXXX
Consumer complaint received 2023-06-15
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX, XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$6300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX  XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXXXXXX XX/XX/.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (TX)

Signed up XXXX XXXX for Experian 's free credit monitoring service. The privacy notice lists multiple steps to be removed from marketing ( with separate instructions for being removed from phone marketing, email marketing for XXXX years, email marketing for more than XXXX years, direct mailing and so forth ). It even specifies exactly what language must be used in Unsubscribe requests. I followed the instructions exactly. 

I received case number XXXX and was told I did not supply enough information to verify my identity, though I provided exactly the information requested in the privacy notice. They then provided a phone number and a mailing address. The phone number merely tells the caller to use the website and email address. I will of course mail in the paper form ( which requests that I mail in XXXX forms of ID ) but find the runaround ridiculous. They should just say this in the first place.
Consumer complaint received 2023-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TX)

Company withheld my insurance license ( my license is required to work ) and would not allow to renew unless they were able to add thousands to balance. I was held XXXX by being denied my insurance license renewal until they could add fees and increase my balance substantially. I was not able to find other employment due to market conditions. I should owe around {$10000.00}, however my balance due to these fees and predator tactics I now owe close to {$30000.00}. 

I need help addressing this predatory behavior! 
Thank you
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

HELLO CFPB, my complaints against Capitalone bank 1 ) requested personal check after transferring USD XXXX even paid from my account at capital one bank branch where I have i opened the account XXXX XXXX XXXX XXXX but never had the check received to latter take advantage of me by denying access to my own account, to day and in two other incidents i was cut phone connection and the bank tried to send the check to old address but my current XXXX address was on file and i have legally updated via us change of address and IRS web address still the bank is not willing to treat me fairly please research and provide this info with inspector general and XXXX XXXX XXXX XXXX for double standard of service - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was scammed by this bank XXXX XXXX and delivery of check may be connected to this check, in which case I request the board to open careful research and file civil suit against this bank, to protect fair right of minorities 3 ) to put one case, I was denied a cancelled purchase return from XXXXXXXX XXXXXXXX XXXX XXXX card which i charged -debit card and after a year and half the seller asked me to take money in cash in which case the bank made prearrangement to be free of legal issues. 
4 ) the bank intentionally declined to reset my online password even propery uploaded for about 4 times to verify 2 way security authentication. please carefully investigate this irresponsible bank if it fits bank standard and forward it to department of treasury and consumer regulatory watch dog. 
please request this to refund my short balance XXXX XXXX with interest to date regardsXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

My rights have been violated. I was not informed about this debt going to collections. Please view regulations. 

15 U.S. Code 1681h - Conditions and form of disclosure to consumers. A consumer reporting agency shall require, as a condition of making the disclosures required under section 1681g of this title, that the consumer furnish proper identification. 

Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$680.00} Amount {$680.00} Status Date XXXX XXXX, XXXX Status UNPAID Balance Date XXXX XXXX, XXXX Account Designator Code IXXXX Account Number # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX 2017
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 168. 

Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXXXXXX XXXX Account Number - XXXX  Account Name - XXXX XXXX Account Number - XXXX Account Name - USAA SVGS BK Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXXXXXX XXXX Account Number XXXX Account Name - XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXX XXXX  Account Number - XXXX Account Name - USAA SVGS BK Account Number - XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish any account without my written consent. 

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can 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 USC 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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.
Consumer complaint received 2023-11-28
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital one savor one suddenly and abruptly cancelled my account and sent me an email on XX/XX/XXXX XXXX XXXX in the morning stating they were closing my account on XX/XX/XXXX ( makes no sense ) due to purchase activity has not been consistent with our expectations of how consumer accounts are used. I use my card frequently and I always pay off my card. Absolutely frustrating Ive been a customer for XXXX years. I tried to resolve it with the customer service but they stated they dont know the reason and they can not undo it because they are a third party customer service. They recommend that I send a letter to the actual capital one bank with questions and concerns. Which does nothing for me.
Consumer complaint received 2023-04-22
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: Experian Information Solutions Inc. (OH)

In violation of fair credit reporting act.I have the right to privacy.I did not give permission to report on my credit reports.the following accounts are in violation remove all the following accounts.account # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX
Consumer complaint received 2023-12-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Foris DAX, Inc. (CA)

Crypto.com uses two factor authentication to access funds. Mine is not working. They do not offer any assistance other than robotic answers to their website which does not work. I have over {$70000.00} in their site because I can not access it
Consumer complaint received 2023-12-28
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. (CA)

Before I retired from XXXX in XXXX, I paid for a trip with XXXX on my Chase card. It was {$2700.00}. Then in XXXX  I purchased another trip for {$990.00}. The company went bankrupt in XXXX. I had paid extra for insurance but the insurance company had pulled out in XXXX, which I didnt know. Chase would not refund my money because it had been more than 538 days since I paid for the trip. But it had only been a week since they had gone bankrupt that I contacted them. How was I to know they were going to go under and Id lose my {$4000.00}?!
Consumer complaint received 2023-12-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prosper Marketplace, Inc. (OH)

Hello, XX/XX/, I requested a settlement for the amount due to prosper loan. I was told there is a settlement amount of XXXX that is due. The amount was not reflect correctly on prosper.com website. I communicated via email and now received letter via mail from 3rd party company. 

Tried to call received no answer I believe due to high call volume. Overall, I do not owe the amount displayed on bill and website. In addition prosper is reporting to credit bureau incorrectly with the incorrect amount. 


Letter, also says I paid XXXX towards balance in which is highly incorrect more that XXXX was paid during the duration of this loan. Unfortunately, I experienced unforeseen circumstances that prevented me from making payments ; in which, as expressed upon completion of settlement amount that was created XX/XX/XXXX
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NJ)

I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

PENN CREDIT  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I notice the following charge offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting on my credit reports. A charge off is considered a certificate of indebtedness. According to the Internal Revenue Services, if a debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, i must report the canceled debt on my tax return for the year in which the cancellation occurred, which is considered income. Income can not be reported on my credit report so these charge offs must be removed.
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. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (PA)

LEXISNEXIS is falsely reporting an auto accident on my driving history. The information derives from a fraudulent claim made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my insurance company XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have been trying to clear this matter up through my insurance company XXXX XXXX for more than a year to no avail.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a credit card with Bank of America that advertised a 0 % introductory APR. I was prompted to transfer a balance from other credit cards, so I transferred {$14000.00} from a XXXX credit card. However, I was not informed that there was a 3 % balance transfer fee associated with the balance transfer and was charged an additional {$420.00}.
Consumer complaint received 2024-04-02
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX / XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX XXXXXXXX and XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-27
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. (FL)

FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate in terms of reporting.
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. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) STATE OF MI XXXX XXXX XXXX I owe {$10000.00} Account # XXXX DATE OPEN XX/XX/XXXX - ( REPOSSESSION ) XXXX XXXX XXXX XXXX owe {$13000.00} DATE OPEN XX/XX/XXXX, ACCOUNT # XXXX15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (CO)

Upstart payment portal had issues and when they were notified they said they would remove the late fees. 

They have reporting this as a late payment when this is a system error on their end. 

The website and emails say to contact upstart support via email and nothing has been done. 

This is an Upstart error.
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. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-03-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (FL)

I have a federal student loan through Ed financial that is currently on pause due to Covid 19 relief efforts and it is showing on my credit report as late payment when I have not even had a payment due yet. I even have an email from Ed Financial stating it is still on pause due to Covid 19 relief and that payment is not yet due.