davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
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 XXXX XXXX XXXX, the federally protected consumer, has placed numerous complaints through the CFPB ( 15 u.s.Code 6805 and 16 CFR 131.1 ) and certified mail for the entire year of XXXX about XXXX XXXX and Experian Consumer Services willful non compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non public, personal information on my consumer report. ( FCRA Sec 603 ( d ) ( 1 ) ) without my expressed written consent. ( FCRA Sec 604 ( a ) ( 2 ) ). XXXX XXXX and Experian Consumer Services is also currently past the 30 day allotment to resolve this ongoing dispute which is also documented via the complaint placed via the CFPB since the last complaint that has been placed, on XX/XX/XXXX and XX/XX/XXXX. 
The law states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report ( FCRA Sec 603 ( d ) ( 2 ) ( a ) ( i ). I've repeatedly stated the reasonable procedures that congress has set forth for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer and the consumer reporting agencies, XXXX XXXX and Experian Consumer Services, has had no regards to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. XXXX XXXX and Experian Consumer Services has never provided their method and/or proof of verification that gives them the authority to report inaccurate, non-public, personal information on my consumer report. Which is documented via the CFPB with their responses that has not addressed the issue of their willful non-compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non-public, personal information on my consumer report. 
There is also income being reported, by XXXX XXXX, on my consumer report as well ( XXXX XXXX XXXX XXXX ) which also goes against federal regulations. Nor has this account been properly verified and/or validated according to federal guidelines. 
According to the compliance procedures of the fair credit reporting act every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. 

I have attached the following : Passport Card, CAF Notice, Power Of Attorney, Fee Schedule, consumer report ( s ), Opt Out Confirmation ( s )
Consumer complaint received 2023-12-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (WI)

2018  We started to fall behind on our mortgage payments. We applied for a loan modification at least once, before trying to apply for it at least twice before and while foreclosure started on our home. We were denied modification or any kind of help to save our home. We were desperate with XXXX  kids and going through foreclosure. We ended up in foreclosure. We ended up having to rent a home for double what our mortgage was. We changed jobs, had to change our kids schools and it made us struggle even more financially. I would love to find out if we are entitled to any kind of settlement. We have wanted nothing more that being able to own our own home again.
Consumer complaint received 2023-12-16
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. (IL)

I've informed the credit report companies, Experian, XXXX, and XXXX, that these aren't accurate, and I've produced the XXXX XXXX XXXX, showing all the negative items on my reports are to be by law removed, and id be filing charges if they weren't. They've failed to do that. I've said the same things to the creditors, as they're supposed to stop reporting them as accurate, because they're no longer accurate, and no longer any account at all. They're gone. Only thing supposed to be showing on my credit report is the XXXX XXXX XXXX and any new things I've done since that time. They've decided not to do as instructed. Neither the credit bureaus, nor the creditor 's either. One creditor is still sending me things, and isn't supposed to be reaching out to me at all. Which is XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX  XXXX and XXXX XXXX XXXX. Please delete ASAP.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on XX/XX/XXXX addressed to the Credit Reporting Agencies requesting to remove the Accounts and information that are UNKNOWN to me. I came across this law and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Under the FCRA section 605b, I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} 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  I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires the Credit Bureaus to conduct a reasonable investigation into any disputes, and I am confident that the Credit Bureaus will find that these accounts are fraudulent and should not be listed on my credit report.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX  has a closed account that's not mine on my credit file for the amount of {$860.00} this is not my account I have no knowledge of this account I have filed a police report an sent in information to these Credit Bureau it was opened fraudulent
Consumer complaint received 2023-12-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

Received a collection notice from Southwest Credit Sytems LP for a XXXX account unpaid with a total of {$200.00}. I called the credit company, and they could not give any information other than it is a XXXX account. Called XXXX and provided a fraud ticket. The only date is as of XX/XX/XXXX, and the collection letter dated XX/XX/XXXX is the first notice.
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer have given you. Including, but not limited to, Written, nonwritten, verbal, and nonverbal. 

Per 15 USC 6802 I demand that you comply with this cease-and-desist requirement.

Attachments include copies of pay statements courtesy of Nelnet that clearly states what amounts loans should have indicated on my credit report at the date of reporting. 
Pay status shows a last payment status of XX/XX/, yet the credit report shows that zero payments have been applied. 
Payment amounts that were reported on the attachments clearly show there is no consistency in any reporting by the credit report agencies. 

Please notice report errors are highlighted in attachments!!!! 

Please delete all accounts with NelNet due their failure to conduct a proper investigation.
Consumer complaint received 2024-03-21
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX has violated several FCRA laws, and they have failed to respond to any of the unlawful charges my wife and I have pointed out just as we did within this complaint. This company, is a third-party debt collector attempted to add words or reasons for charges without documentation from the original creditor. This goes against the principles of debt validation, as my wife respectfully conveyed to them. 

Furthermore, XXXX XXXX, the original creditor, has also refused to respond to any form of communication, including XXXX  and CFPB inquiries. XXXX XXXX XXXX  XXXX XXXX XXXX is violating the Florida Consumer Collection Practices Act by continuing to report unlawful charges!

Moreover, this collection agency attempted to charge a fee without any legal grounds, as my wife uncovered their deceitful practices, indicating poor management and unethical conduct.

I have substantial evidence to support every claim I've made, including evidence that this company changed the balance multiple times and violated numerous laws in doing so. I am informing Experian, XXXX, and XXXX to investigate thoroughly and consider all the evidence provided.

The credit bureaus have already failed multiple times, and I urge them not to fail again, or I will escalate this matter to a higher level.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (NY)

I was supposed to receive a replacement card for my American Express Platinum. I was given an entirely different card with a different account that I did not ask for or agree to. 

My Amex Platinum had an annual charge for {$690.00}, which appeared on my statement and I was having a difficult time financially. I reached out to them to explain what was going on and asked if it was possible for me to perhaps pay the fee the following month. ( Although I dont know why, I knew they wouldnt help me. ) But, I was told I qualified for their green card which would lower my rate to $ XXXX. instead of the ( absurd ) $ XXXX. A {$690.00} fee, especially considering the fact that my credit limit was never more than {$4200.00} is ridiculous. I looked at my statement a couple of weeks later and the fee still had not changed. I specifically asked if lowering the fee to {$150.00} would affect my credit, credit limit or my account in any way and I was told no. 

I honestly dont know what they did. I just know that none of it was what I requested, none of it was made clear in any way shape or form and I feel like I was, I guess, tricked. 

Because business was slow, I opened another credit card specifically to transfer {$2500.00} to this Amex card to get the balance down. About 3 days after initiating the transfer I logged onto my account and saw that I was now over my spending limit and past due because the actual product, my Amex Platinum, was changed to a completely different card ; the credit limit was lowered so much that it put me over my spending limit and the {$2500.00} payment wouldnt have even brought it under the limit. 

I sent this complaint once already and was offered a {$20.00} credit. Is that a joke? 

What they did is so unethical and immoral. I have a hard time believing its even legal.
Consumer complaint received 2023-05-10
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: Bread Financial Holdings, Inc. (CA)

Dear Consumer Financial Protection Bureau, I am writing to request the removal of a charge off from my credit report. The negative marks are having a significant impact on my credit score and decreasing my chances of being approved for loans, credit cards, and other financial products. 

The charge off occurred due to a recent change in my living situation. Starting in XX/XX/2022, I was homeless for three months and was unable to make payments on my account. As per UCC 2-725, this situation falls under the category of " impracticability of performance '' as my ability to fulfill my financial obligations was hindered by circumstances beyond my control. 

I understand that charge offs can remain on a credit report for up to seven years, but I am hoping that the circumstances surrounding my situation can be taken into consideration. I have since secured stable housing and am working to rebuild my financial stability. 

I appreciate any assistance you can provide in resolving this matter and thank you for your attention to this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-19
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. (NY)

There is a collection on my credit report called XXXX XXXX that bought a debt from XXXX the debt is {$550.00} that does not belong to me contact the collection agency as well as Experian to get the debt verify requesting a signed contract and ID they never received that contract nor ID, I have request this to be removed for over a year now and it's still there and it's not mine
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (MD)

On XX/XX/2023 I made a settlement payment in the amount of {$8300.00}, Penfed credit card account ending in XXXX. This settlement amount was agreed upon by Penfed Credit Union and myself in writing, stating my account would be settled in full and reported to the credit bureaus as 'settled for less than full balance'- per the attached letter sent by Penfed representative XXXX XXXX via email on XX/XX/2023. There was a mis-key on XX/XX/2023 resulting in another payment processed via phone on XX/XX/2023, the mis-key was acknowledged by another Penfed representative. Penfed has failed to uphold their end of the agreement intentionally due to being exposed for numerous instances of negligence and mishandling of this account. Penfed retaliated by reporting this account as derogatory, having an unpaid balance, in collections, and charged off as bad debt, the agreed report remarks ; 'settled in full ', 'settled for less than full balance ', were intentionally omitted. I have bought this to Penfed 's attention and nothing has been done to resolve this issue all the while I've upheld my end of the agreement and Penfed refuses to ; while I continue to have to deal with the turmoil resulting from their negligence and breach of the settlement agreement.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I used to have an account with Chase banking and I already closed my checking account. There were XXXX checks that were to be sent home one is the {$46.00} and the other is the {$2200.00} however I only received the one for {$46.00}. I went to several different Chase banking branches to talk with bankers and they said they werent able to release my fund and send the check home because they still need verification. Im just confused as to why theyre holding my money hostage for so long and I never had issues with other banks regarding the checks I work for XXXX  they were issued out the same way. I still have record with the pay stubs and on the official XXXX employee website they have record of each of my paycheck as well as pay stubs information there. I just want my money to be sent as I am a XXXX XXXX and the only reason I work part time is so I can support my XXXX XXXX and buying XXXX but I can not do so if Chase refuses to give me my money back which was the {$2200.00} check that was supposed to be sent home. I have tried over a month and at first they reassured me that they will send the check home but when the account were closed they never did.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

My name is XXXX XXXX, I possess an active secret clearance. 

Recently I opened an account with Chase Bank, my account was later closed without an explanation. I believe this action was caused by false/negative reporting ; however, when I asked for the information, " why I was denied a checking account? '' I was told I could not receive it. I have attached my XXXX report which does not reflect any negative check reporting.
Consumer complaint received 2023-12-15
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: SYNCHRONY FINANCIAL (PA)

I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all the evidence attached below.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$500.00}
Consumer complaint received 2023-12-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/2023 Received a pre-approval from Navy Federal for a VA backed mortgage, loan processers was sure I was approved due to preapproval and then I was rejected. 
I'm XXXXXXXX XXXX and feel it was discrimination. I tried to go into local branch, loan officer is not there daily
Consumer complaint received 2023-12-28
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. (MO)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Inquiries started appearing on my report that I didnt make. I called all XXXX  credit bureaus to place fraud alerts on my reports. Stating that lenders or financial institutions should ONLY verify with my phone number and email address. Whoever was calling in was able to keep changing my alert to their own number and information. I was almost locked out.