davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX of the Student Loan close accounts on my credit report They both are charge off. Using the 15 USC 1692g validation of debts, I don't recognize how this account Is reporting on my credit report. I do not recognize the account number. I do not recognize the account Status. I do not recognize the account High balance. Nor do I recognize the late payments associate with it. Everything reported here does not meet the FCRA. I didn't receive any 1099-c from these company. Also, the balance is {$0.00}. It shouldn't be on my credit report.

In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 items of information, other than records of convictions of crimes which antidotes 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. 

XXXX XXXX
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have successfully repaid the loan in full. Additionally, I have proactively reached out to the company to inquire about the status of the matter. I am committed to settling any outstanding comments and would appreciate any guidance or support to ensure that the issue is resolved in a satisfactory manner.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (IN)

I had a little over {$4000.00} from back taxes in XXXX that chime confirmed I had it on the account but chime refused to let me get another card and change my address because I didn't have my old cell phone number from 4 years ago.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC. (MN)

XXXX. ) About 12 days ago ( today is XX/XX/year> ) my online ability to transfer funds was disabled. 
XXXX. ) Stated reason was " We have detected unusual activity with your account. '' XXXX. ) I've called customer service multiple days in a row now to restore full account access ( i.e., ability to transfer out funds ) and have been unsuccessful. Company says only the " Fraud Department '' can help me now. 
XXXX. ) I use my account to pay my mortgage and now I can not do so.
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-04-25
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. (ME)

I have attempted to have Experian and the original creditors remove these two collections accounts They NEVER were my accounts and they were opened without my knowledge or consent. I have not lived in XXXX in over 12 years. My permanent address is in XXXX  and I have lived and worked in XXXX and XXXX since XXXX. I am attaching my ID 's to confirm this. Experian NEVER resolved or investigated this, and keeps saying the accounts are " confirmed ''. This is libel and slander, and could cause me to lose my security clearance. I never lived on XXXX in XXXX XXXX or on XXXX XXXX on XXXX. 

I never opened or had accounts with : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to follow up my previous dispute about certain inaccuracies on my credit report. I have carefully reviewed the information provided by your bureau, and I have identified several discrepancies that require your attention and correction.
Consumer complaint received 2023-11-15
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
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. (TX)

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 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ( Account Number not listed on report, please see attached credit report ) 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 a 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 2024-05-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (CA)

I XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX from XXXX to XXXX. The recent Department of Education announcement to discharge all federal loans for students who attended this now-defunct for-profit college between XXXX and XXXX leaves my federal loan in a state of uncertainty. Although my enrollment overlaps with the discharge timeframe, it began before the XXXX cutoff. The same deceptive practices alleged to have been used on students XXXX were also employed on those of us who enrolled prior to the cutoff. 

I'm finding it difficult to understand why my situation is considered different. The same unethical tactics alleged to have been used after the XXXX cutoff were applied to students like me who started before XX/XX/XXXX. 

It seems I am being penalized simply because the deceit and misconduct from this unscrupulous school were directed at me before XX/XX/XXXX. I had to sign financial agreements every quarter, including the ones that fall within the DOE 's timeframe for forgiveness. 

Yet I'm still expected to pay in-full, while some of the very same people I shared a classroom with are having their loans discharged as we speak. It doesn't makes sense.
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NV)

Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. I do not consent to an electronic communications. I request all responses be in writing throughtheusps I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2024-05-08
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

Mitchell D Bhlume and associates called my father and my brother on a medical debt for a hospital during a service date when I was out of the country. They denied to me telling my brother and father that they called regarding a collection but both of my relatives confirmed that they were trying to get in touch with me regarding a collection.
Consumer complaint received 2023-12-19
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. (FL)

i mailed out a letter to experian last month in regards to inaccuate and incomplete information. it's been officially been 31 days and experian has yet to conduct and investigation, send me a letter of receipt that they've even receicved my dispute or will be begin investigating. this is complete negligence of experian 's experian 's behalf and i want the following accounts DELETED from my credit report immediately. my consumer rights were violated and i am seeking remedy! 

XXXX XXXXXXXX XXXX XXXX  Account Number XXXX DELETE FROM MY CREDIT REPORT. 

XXXX XXXX Account Number XXXX DELETE FROM MY CREDIT REPORT. 

XXXX XXXX Account Number XXXX DELETE FROM MY CREDIT REPORT. 

XXXX XXXX Account Number XXXX DELETE FROM MY CREDIT REPORT. 

I HAVE ATTACHED A COPY OF MY ORIGINAL DISPUTE LETTER, A COPY OF MY DRIVERS LICENSE, AND PROOF OF THE CERTIFIED MAIL TRACKING FROM USPS.
Consumer complaint received 2023-11-15
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. (NC)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Owed : {$4300.00}.
Consumer complaint received 2023-11-15
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. (RI)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-15
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)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

I am writing this letter to you regarding account number XXXX from XXXX XXXX I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail. 
I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.
Consumer complaint received 2019-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

Navient is my student loan servicer. They are not allocating my monthly payments appropriately to principal versus interest - my balance on loans is going up, and I make payments every month. 

I have tried to contact them via phone, and all numbers are disconnected. They have also locked me out of my online account. 

They continue to take payments from my bank account and will not communicate.
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Used XXXX to pay {$150.00} to a car transport company on XXXX. The company took my money, and never started the job. I have provided proof that I didn't receive these services as well as my XXXX  complaint to the bank twice and it has been denied. The transport company has blocked me from requesting my money back, and they will not respond to my calls or text. I have been with this bank for ten years and now I am out of {$150.00} they just keep saying that I shouldn't have used XXXX, which this is a real company and this is how they requested me to pay them. XXXX or not this is still fraud. They scammed me out of my money, blocked me, and never completed any services.
Consumer complaint received 2023-11-15
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)

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 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 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MA)

I went to pay the full statement balance of my Wells Fargo XXXX XXXX credit card today and the website was unable to inform me what the payoff amount for the statment was. I had already made a payment to avoid going over the credit limit and there were several refunds that had posted to the account before the end of the statment period. The website would only provide me with the total payoff amount ( which includes current purchases that are not subject to interest until the new statement period ). 
Every other credit card I have gives me three options, the minimum payment, the statement payoff amount and the total payoff amount. Wells Fargo does not provide you with a running total of the statemant payment amount.
Consumer complaint received 2024-05-06
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: CITIBANK, N.A. (MS)

On XX/XX/XXXX I was charged {$210.00} from the merchant XXXX XXXX XXXX XXXXI have never purchased anything from this company, nor have I been to XXXX XXXX, Florida. Once I noticed the charge, I opened a dispute ( XX/XX/XXXX ) with Citi. Before Citi would proceed with the dispute, they asked me to contact the merchant and seek a refund. 

I tried to contact the merchant both by telephone ( ( XXXX ) XXXX ) and email. I never received a response. 

After contacting Citi again, they agreed to open a dispute ( XX/XX/XXXX ). 

I sent over all the information Citi requested, and after several weeks, they resolved my dispute in favor of the merchant ( XX/XX/XXXX ). 

I have never seen a clearer case of fraud. If you XXXX " XXXX XXXX XXXXXXXX XXXX  '' you will inundated with numerous testimonies from other victims of this fraudulent company. 

This is the email I sent to Citi : " Here is the required documentation for the aforementioned dispute. 

I have tried to contact the merchant multiple times. I have yet to get a response. 

A quick XXXX search clearly shows that XXXX is a scam company. It is impossible to contact them. All reviews of the " company '' are simply other people complaining about their credit card information being stolen. '' I'm not sure what else I can do. Hence, why I am opening this case with the CFPB.
Consumer complaint received 2023-11-14
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. (GA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-04
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: Incomm Holdings Inc. (CA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX and loaded {$20.00} onto it and I paid for it with cash and left the store. Later that day I checked the website on the back of the card and I entered my card details and it said my card was activated with {$20.00} of balance on it. I attempted to make online purchases with the card, trying multiple merchants but none of them would accept it. I called the number on the back for customer service and I got on the line with some guy who spoke XXXX English and had a thick accent, he wasnt any help and he asked for my social security number and thats when I hung up. I did some research and I found online other accounts of people having the same problem of their not working online or in store. All of these problems with cards from XXXX and its parent company InComm.
Consumer complaint received 2023-11-14
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. (NE)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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