davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-24
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: DISCOVER BANK (MD)

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX : MD Zip:XXXX Email Address : XXXX 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!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-03-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I returned XXXX  earbuds to XXXX and received an email from XXXX that the XXXX was being refunded and the refund never showed up. I contacted Bank Of America spoke with a rep who gave me a claim number that ultimately was an erroneous number? I faxed the email from XXXX confirming the refund, and BOA Credit card people or dept have marked the claim " under research. '' Unbelievable. Its a legitimate credit card and XXXX has the merchandise in hand.
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (TN)

XXXX and experian are reporting this account on my credit report. XXXX is from XXXX XXXX. i have asked XXXX  to send me a validation letter but they have not after several requests. XXXX XXXX  is reporting on my credit report this debt has a High Credit : {$1800.00}. 

i have never opened maintained, nor applied for an account that gave me an credit limit of {$1800.00} nor of {$1500.00} like it states on my credit report. 

XXXX and experian both report this on my credit report Last Reported : XX/XX/2023 XX/XX/2023 meaning they verified this account to be correct and completely accurate. 

my question or complaint is if this is accurate where is XXXX XXXX  verification or validation that i am the owner of this debt that is $ XXXX {$1800.00} this has caused me strain on my finances because these accounts on my credit has caused me to have higher interest rates. 

XXXX XXXX has verified this debt being correct as well.
Consumer complaint received 2023-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Capital One is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Capital One the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, Capital One whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Capital One never informed me of my right to exercise my nondisclosure option. Not only that 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 is an adverse item they are reporting again without my permission which is against the law. 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. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

To whom it may concern : Upon inspection of my credit report, I noticed the following information is incorrect : My full name is : XXXX XXXX There should be no other names listed on my report. Please remove any other names you have listed as they are incorrect. 
My date of birth is reported incorrectly, my correct date of birth is : XX/XX/year>. 
My social security number is reported incorrectly, my correct SSN is : XXXX My current address is : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Any other addresses are undeliverable, and I have no access to them. Please remove any incorrect addresses immediately. 
My current employer ( s ) : XXXX XXXX. 
There should be no other employer ( s ) listed on my report. Please remove all other employers you have listed as they are incorrect. 
Attached is the supporting documentation to validate my dispute. Please update your records promptly.
Consumer complaint received 2023-09-29
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. (VA)

I have asked the credit bureaus to do a Theral review of my credit records, they did. but when I review myself, I found a lot of inconsistencies regarding fraudulent activities on my credit report. ( Please see the attached for all inconsistencies found and fraud activities, accounts listed to my credit report that arrent mine that I have no knowledge of. ) according to the fair credit reporting act convergent accounts that are listed to my report are a violates my rights 15. usc1681 section 602A sec2 : It also states a consumer reporting agency can not furnish account without my written instructions.

I these accounts are to be removed deleted from my credit file.
Consumer complaint received 2018-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Dear Consumer Financial Protection Bureau : On Tuesday, XX/XX/XXXX, I called XXXX XXXX, my current service provider, about an urgent matter. I was told to submit a written request to them and the CFPB to receive assistance regarding this matter. Prior to my loans being held by XXXX XXXX, the service provider for my loans was Navient and its lending predecessor Sallie Mae. 

There is currently a class action lawsuit against Navient by the U.S. Consumer Financial Protection Bureau and the Illinois and Washington attorneys general submitted in XX/XX/XXXX. Pennsylvanias attorney general filed a suit in XX/XX/XXXX. And Californias attorney general filed a suit in XX/XX/XXXX. 

The suit ( s ) allege that since XX/XX/XXXX ( when my loan debts were in the care of Navient and its lending predecessor Sallie Mae ), Navient has : - Misallocated payments. 
- Steered struggling borrowers such as myself toward multiple forbearances instead of deferments ( or income-driven repayment plans ), which accrued undue interest. 
- Provided unclear information about how to re-enroll in income-driven repayment plans, resulting in the accrual of undue interest or negative credit hits. 

The CFPB is asking Navient to compensate borrowers such as myself that Navient has harmed. 

I believe my account and loans were incredibly and unethically mismanaged. Throughout the years my accounts were managed by Navient and its lending predecessor Sallie Mae, I was actively urged to do things that would harm me and my ability to repay what I had borrowed. And, during this timeframe, I suffered all of claims the suits allege. In particular, I was : - Urged to go into forbearance multiple times, accruing undue interest when there were better options available to me as a borrower. ( I most likely also took negative credit hits due to this as well. ) - Unable to effectively allocate payments that I did make, so these monies used as payments were mismanaged, resulting in more interest, and more long-term detriment to my credit. 

I am asking to submit a balances due request for my account. I believe the balances should be adjusted to reflect a compensation of these years of errors on behalf of Navient and its lending predecessor Sallie Mae. 

I am currently enrolled in the Public Service Loan Forgiveness program and I am working diligently to pay down my debts. However, I can not make forward progress if I am back paying on the unfair and unethical business practices of Navient and its lending predecessor Sallie Mae that have harmed me and my ability to pay. 

I am submitting this same request to XXXX XXXX, the Department of Education and Consumer Financial Protection Bureau, as well as to the Federal Student Aid Ombudsman Group. 

I ask for your assistance in correcting this matter so I can expediently pay back what I owe. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-04-10
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. (IL)

On XX/XX/XXXX, I paid off my XXXXXXXX XXXX credit card in full, in the amount of {$87.00}. On XX/XX/XXXX, I received a {$2.00} minimum interest charge due XX/XX/XXXX. I paid the {$2.00} minimum interest charge on XX/XX/XXXX, 10 days before it was due. I have all of the XXXX statements that confirm this account of events ( attached ). In XX/XX/XXXX, I learned that XXXX reported a late payment of 30 days to the credit bureaus, supposedly due to the {$2.00} minimum interest charge mentioned above. 

I have maintained my XXXX card since I opened it in XXXX and never had a late payment. I contacted XXXX several times about the above matter including, but not limited to, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but to no avail. 

XXXX claims that the 30-day late payment is correct and that they will not reverse it. 
This error on XXXX part has had and still does have detrimental and deleterious effects on my credit report, and that of my domestic partner, who I added as an authorized user to the account some time ago. 

We are demanding that XXXX immediately remove the 30-day late payment notification from my credit reports at all three credit reporting agencies, and those of my domestic partner. 

Before submitting this inquiry, I did a XXXX search and found that several other XXXX cardholders are experiencing similar issues.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

I opened up a new account at Webster Bank and met the requirements to receive a XXXX prepaid XXXX debit card. I received the debit card in the mail but did not notice that it was valid for only 90 days and would expire at the end of XX/XX/2016. The card does have " good thru XX/XX/16 '' printed on it but I did n't notice that. I 'm not used to gift cards that expire that quickly. The paper that came with the card, which I will attach to this complaint, explains that the card needs to be activated but does not say anything about the card expiring, and then having no funds. Even the back side only states, " PLEASE use before valid thru date imprinted on the card. '' I think it 's unfair that the consequence of not using the card by XX/XX/XXXX was n't made clear on the paperwork that came with the card. If that had been clearly stated on the letter I would have known that I had to use the card within the 90 days or loose all the funds. 

I went into the Webster Bank at XXXX XXXX XXXX in XXXX several weeks ago. The manager was going to check about getting the card replaced. I never heard anything.
Consumer complaint received 2018-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (OR)

Multi attempts to summit PEERS which get rejected for one reason or another. Since switching over for teacher forgiveness, I have not idea how many qualifying payments I have made. I consolidated my loans in XXXX of 2011.
Consumer complaint received 2023-06-03
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXXXXXX  You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Cloarly states that 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 an account without my written instructions.

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 for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX : Unknown Inquiry XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX : Unknown Inquiry XXXX XXXX- XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2017-05-19
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: Oracle Financial Group LLC. (NY)

In a attempt to purchase  XXXX , I was instructed by Oracle corporation to Email money to :  XXXX  XXXX  XXXX . I sent {$56.00}. As it was a cash transaction  XXXX , said it could take no action.I will contact  XXXX   XXXX  next.     Oracle -Transaction  XXXX . No   XXXX   have been received and their is no response from that  Email address or so far from Oracle.    The money was sent through  XXXX  - Payment For  XXXX   XXXX  Transaction  XXXX
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

FOIA of 1974 15 USC 6802 XXXX XXXX and Trans Union are in violation of my rights by allowing my personal information to be used without my consent as the consumer
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (IL)

On XX/XX/2024 my income driven repayment plan expired. On XX/XX/2024 I received a letter from MOHELA via their website dated XX/XX/2024 informing me what my Auto debt payment would be for XX/XX/2024 under the standard repayment plan. On XX/XX/2024 I received a letter from MOHELA via their website dated XX/XX/2024 informing me that my loans would be placed on Administrative Forbearance effective XX/XX/2024. As such my Auto debt was canceled and the 0.25 % interest rate reduction given to those enrolled in Auto debt was removed. I contacted MOHELA on XX/XX/2024 requesting to be immediately removed from Administrative Forbearance and re-enrolled in Auto debt. I was informed that a request for removal from Administrative forbearance would take 7-10 days during which time my interest rate reduction will remain off. MOHELA also claims they are not responsible for when I received this information ( 4 days after the forbearance was put in place and my interest rates were increased ) as their letter is dated XXXX XXXX ; however as shown in my attachments, the messages on MOHELA 's website and the e-mail informing me of this did not come through until XX/XX/2024 at XXXX and that is the only way MOHELA sends notifications to borrowers. StudentAid.gov continues to show my interest rate as the reduced rate.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2024 I made a XXXX payment on my XXXX XXXX credit card. This left my balance as {$110.00}. As of XX/XX/2024 XXXX XXXX Bank reported to the credit bureau that I owe {$1500.00} {$10.00} on this account and that it is closed which is incorrect. The account has never been closed since the day that I opened it. I contacted XXXX XXXX Bank XX/XX/2024 about updating and correcting my account status. The representative said they don't report until the XXXX of XX/XX/2024, but nothing has changed they still reported false information on my credit report.
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 Account name : XXXX Bank Account Number : XXXX Card number : XXXX 15 U.S.C 1681 Section 602 A. States i have 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 then 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 2024-03-05
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)

After sending a lot of Dispute Letters and FTC reports, these negative items ( XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX ) are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity.