davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MD)

A few months ago I filed a complaint with CFPB ( XXXX ). The complaint was received and the response returned. I had noted that the new " click-wrap '' agreement to access my account was unrealistic ( over one hundred pages to read and accept ), and the response was it had to be acknowledged before I could access my account online. Since I was not going to try to read and understand the document, nor perjure myself by clicking the box stating I read the document, my only reasonable course of action as a consumer is to close this credit card account. The company will not allow online closure of the account, and require a phone number be called. On XXXX XX/XX/2023 around XXXX Eastern , I called the number and spoke with the representative. They were sorry to hear that I was going to close the account. They forwarded me to another department to handle the closure request. I have been on hold for over an hour waiting for a customer service specialist. This is very unreasonable.
Consumer complaint received 2023-12-06
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-15
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX XXXX. I have attached my XXXX  and letters to this complaint for your review.
Consumer complaint received 2017-05-15
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (FL)

approx.  XXXX   American Express Credit Card Co. offered their so called " valued customers " a special deal on magazine subscriptions for a small service fee. However at the end of the trial subscription they automatically charge you an exurbanite amount for the magazine without any notification to the customer. The American Express company will not even let you file a charge dispute. They refer you to series of numbers which just happens to be in their system but are saying is a separate company that needs to be contacted. I have made several attempts to file a grievance with American Express but they are denying responsibility for this special offer to " valued custome rs '' I am on a fixed senior citizen budget and can not afford the hidden rewards that this credit card company wishes to bestow on me
Consumer complaint received 2024-01-15
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: EQUIFAX, INC. (CA)

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

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-31
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. (NY)

This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The listed items below are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within XXXX days. I am awaiting your response. The following items must be deleted : XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. 
( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( XXXX ) and the Person ( company ) is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. 
You have furnished transaction information on the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These companies has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date. 
My account with these companies were never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family! I need the following late payments Reversed to current /paid as agreed 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AK)

There are five ( 5 ) issues with my Nelnet account. 

1. My Nelnet application was processed on XX/XX/XXXX. Any forbearance from that time period should have had interest accrue at a 0 % interest rate. See attached document entitled " Biden-Harris Administration 0 % Interest, '' relevant part has been highlighted. 

2. I have not received any monthly statements from Nelnet since XX/XX/XXXX. See attached document entitled " XXXX XXXX XXXX XXXX XXXX. '' 3. My current status is incorrect as it falsely claims that I am in school. See attached documents entitled " XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX '' and " XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. '' 4. My " payments will begin in '' date keeps changing. It has shown me XXXX XXXX, XXXX XXXX, and XX/XX/XXXX all within the same day. See attached documents entitled " XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, '' " XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, '' and " XX/XX/XXXX XXXX XXXX. '' 5. Repeated calls to be removed out of administrative forbearance have been ignored. I am currently ( as of XX/XX/XXXX ) in forbearance. I have waited over two hours per call for no resolution.
Consumer complaint received 2024-01-15
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. (CT)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account has adverse items they are reporting again without my permission, which is against the law and harms me financially. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Remove all circled items on this account immediately.
Consumer complaint received 2024-05-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Newport Intermediate Inc. (FL)

There was an unauthorized charge made on my XXXX  card that was linked to an XXXX account. I contacted XXXX and they suggested I report it to my financial institution. After two months, my claim was denied.
Consumer complaint received 2024-03-31
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. (MA)

I am writing to formally dispute the verification of a collection account on my credit report. Despite previous verification, I request the deletion of this account in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( A ), the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), and the Fair Credit Billing Act ( FCBA ) Section 623 ( a ) ( 7 ). 

The collection account in question is XXXX XXXX XXXX XXXX XXXX .I believe this account does not accurately reflect my credit history, and I have not received sufficient validation of its accuracy from the creditor. 

Please provide me with a written explanation of the verification process and the specific information that was verified. Additionally, I request that you delete this account from my credit report as per FCRA, FDCPA, and FCBA guidelines. 

I appreciate your prompt attention to this matter and request that you inform me of the outcome of your investigation.
Consumer complaint received 2023-10-31
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. (TX)

I am writing to express my deep frustration and concern with the way my numerous attempts to rectify a late open account on my credit report have been handled. Despite my persistent efforts to address this issue, it continues to negatively impact my creditworthiness and financial well-being. 

This late open account is significantly affecting my credit score and causing difficulties in obtaining loans, credit, and financial opportunities. I have meticulously followed the appropriate procedures for disputing this issue, including providing supporting documentation and complying with the regulations stipulated in the Fair Credit Reporting Act. 

Despite my continuous efforts, the late open account remains on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial standing and overall quality of life. 

I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I request a thorough and prompt investigation into this matter to rectify the late open account on my credit report. 

I kindly request that you provide me with a written response detailing the results of your investigation and the steps taken to correct my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. 

In addition to the correction of this issue, I also request that the credit bureau provide a written statement outlining measures taken to prevent the recurrence of such inaccuracies in the future. This is vital to safeguard my credit and ensure that others do not experience similar challenges. 

I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to correct this issue and seek damages for the financial harm caused. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

The reported inaccuracies on my credit report include outdated and irrelevant personal information, such as multiple names, addresses, and phone numbers, inquiries, debt transactions, and potential negative accounts. 

Additionally, there are outdated employment details that inaccurately portray job instability, potentially compromising the confidentiality and privacy of my information based on unauthorized consent. 

These discrepancies are inconsistent with the Fair Credit Reporting Act ( FCRA ) and other relevant regulation governing accurate, timely, and fair credit reporting practices. Proper utilization of credit reporting standards should ensure the inclusion of only relevant and current information. 

Credit Bureau could potentially deviate from Consumer Reporting Agency ( CPA ) standards by failing to adhere to accurate and fair and fair reporting practices, violating consumers rights, or neglecting the obligations outlined in relevant statues such as the Fair Credit Reporting Act ( FCRA ), instances of consistently inaccurate reporting, failure to address disputes, or non-compliance with legal requirements prompt concerns about their alignment with the standards expected of a Consumer Reporting Agency, when acting as a Credit bureau business.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (GA)

There is an item on my credit report that is reported by XXXX XXXX XXXX that claims I owe them {$370.00}. I haver never been in debt no had products nor services from this company. When I called ( XX/XX/2023 ) to ask them to send me the verification of a contract with my signature ( Wet signature on original contract ) I was told they do not have that and they did not have to provide it to me.
Consumer complaint received 2023-05-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (CT)

I used Remitly services to send {$1200.00} to benefiecry in XXXX. Remitly notified me that money was sent on XX/XX/2023, and the transaction was successfully completed on XX/XX/2023. The transaction reference number : XXXX provided by Remitly. However, It's been two months since the transaction done by Remitly, but my beneficiary ( XXXX XXXX XXXX XXXX ) did not receive funds till now. My beneficiary ( XXXX XXXX XXXX ) is a reputed XXXX travel agency headquartered in XXXX, XXXX, providing travel services. I contacted Remitly multiple times to solve this issue, but Remitly never helped me and always gave false information. One Remitly agent informed on their chat section that funds won't be delivered to the beneficiary as the beneficiary is a business account. Another Remitly agent told me that the beneficiary would receive the funds ; it doesn't matter if it's a business account. Third time, Remitly agent said funds are successfully sent to the beneficiary, but the beneficiary never received the funds. Fourth time, Remitly agent told that they will investigate the issue, but I never got reply or solution from them. It is my hard-earned money which is lost because of Remitly incapability and misinformation. After not getting help from Remitly, I disputed this transaction as the beneficiary did not receive the funds. Remitly kept saying funds were transferred, although it was never received. I recently discovered Remitly suspended my account as I disputed the funds with XXXX XXXXXXXX XXXX. Remitly did not take any responsibility for this situation and did not help me at all. 
In conclusion, Remitly has given mental harassment and incorrect information about fund transfers. The reference number of the fund transaction given by Remitly is not traceable, and my beneficiary and beneficiary bank are also confirmed that funds are not received.
Consumer complaint received 2018-12-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2018 I had sent XXXX XXXX a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX. 

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. 

On XX/XX/2018 after the 30 days and after my second letter I received a Debt Verification Response. 

On XX/XX/2018 I sent a letter thanking them for the DEBT VERIFICATION and explained to them that not only that I never asked for a DEBT VERIFICATION, that This request was unanswered in the time frame allotted by federal law and was indeed a FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. As you are well aware, federal law requires you to respond within 30 days. 

My second letter outlined the fact that my request did indeed go unanswered as I have documented proof of delivery and signature of the Certified mail I had sent.The DEBT VERIFICATION sent does not indemnify XXXX XXXX   of the responsibility and legal requirement to supply EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT.
Consumer complaint received 2024-01-15
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: EQUIFAX, INC. (MA)

I am writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.