davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (MI)

Nelnet 's website will not work. It loads to a blank white page regardless of device, or browser used. With the looming deadline fast approaching, many of us feel as this is a tactic of theirs to dissuade people from trying to adjust their payments.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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.

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 inructions 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 2024-04-05
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. (FL)

I am writing to file a complaint and also bring to your serious attention regarding the inaccurate information displayed on my credit reports by XXXX, Equifax XXXX XXXX. 

The information reported by XXXX XXXX XXXX XXXX ( Account # XXXX ), which appears to be in flagrant violation of numerous consumer protection laws and federal regulations. Specifically, the following violations have come to light : 1. Violation of 15 US Code 1681a ( 2 ) ( B ) concerning charge-offs and repossessions.

2. Contravention of 15 US Code 1681c ( 2 ) by blocking information, potentially facilitating identity theft.

3. Breach of 15 US Code 1681e ( b ) by failing to ensure maximum accuracy in reporting.

4. Non-compliance with 15 US Code 1681a ( 2 ) in regard to definitions and rules of construction.

5. Breach of 15 US Code 1692c concerning communication related to debt collection.

6. Violation of 15 US Code 1692g regarding improper reporting of debt collections.

7. Disregard for 15 US Code 1601 which outlines Congressional findings and the declaration of purpose regarding consumer protection.

8. Failure to adhere to 15 US Code 1681a ( 2 ) ( A ) ( i ) pertaining to late payments.

9. Violation of 15 US Code 1681b ( a ) ( 1 ) ( 2 ) regarding permissible purposes for obtaining consumer credit reports. 

These violations not only constitute serious breaches of the law but also have significant adverse effects on me as a consumer. Furthermore, I must express my dismay at being instructed once again to contact your institution to dispute information that is clearly not mine, which amounts to yet another violation. 

It is imperative that immediate action is taken to rectify these errors and remove any and all harmful, unlawful, deceptive, illegal, and fraudulent information from my credit report. Failure to do so may result in further legal action, with jurisdiction in a venue convenient to me. 

I trust that you will address these matters with the urgency and seriousness they warrant, and I anticipate a prompt resolution to this troubling situation.
Consumer complaint received 2022-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX took over my home loan. They have reported my loan as missed payments in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I paid with proof of payment through my bank statements. I have requested to have those late payments removed off my credit report which has tremendously hurt my score as they werent late and my loan was sold to another company XXXX XXXX whom took over my payments in XX/XX/XXXX. I call XXXX XXXX XXXX only to be rerouted to XXXX XXXX. I then have to find a land line to call from so they dont have my phone number attached to my old account just to get a representative on the phone to redirect me to an email address for my concerns on this matter as she said she couldnt help me I have emailed XXXX XXXX XXXX FOUR times without a response! I have filed disputes with all 3 credit bureaus to have this removed and its currently under investigation. I am trying to refinance my home loan with a better deal and this is my hold up. For the past week I have stressed over this as NO ONE WILL ANSWER at XXXX XXXX XXXX. I shouldnt have to go through this much trouble to get customer service on a loan I had with them. I log on to their website and it redirects me to XXXX XXXX yet again. Someone needs to train this business with better customer service!! I can even access my old account not will anyone help me remove these negative remarks off my report. I have proof of payments and I have never been treated so poorly by a company! Someone needs to be held responsible for this!
Consumer complaint received 2020-06-10
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 was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$930.00}
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

These are showing late. I have never been late and have contacted the creditors. I showed them my bank statements, they all said they would be removed but nothing has has been removed or updated. 
XXXX XXXX XXXX XXXX XXXX - 30 day late XX/XX/XXXX XXXX XXXX XXXX 30 day late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX 30 day late XX/XX/XXXX XXXX XXXX - 30 day XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - 30 day XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - 60 day late XX/XX/XXXX, XX/XX/XXXX XXXX 90 day late XX/XX/XXXX There have been XXXX inquiries on my credit report in the past 120 days. I did not give these creditors permission to run my credit. 
My credit report also shows XXXX delinquent trades XXXX XXXX installment delinquencies XXXXXXXX XXXX revolving delinquencies XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Berlin-Wheeler, Inc. (Kansas) (MI)

XXXX XXXX keeps putting or selling this identity theft dept to different collections. Berlin Wheeler is the 5th collection agency that falsely put this dept on my credit report. Every time I have to go through this process. XXXX was sent all the documents but refuses to listen i guess and this pops up seems once a year with a different collection agency. I called Berlin Wheeler on XX/XX/2023 after i seen this fraud on my credit report again and let them know it was fraud but the lady that answered the phone was rude and laughed at me when explaining. Very rude and unprofessional is Berlin wheeler..
Consumer complaint received 2022-10-21
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2022 I woke up to my account in the negative on my payday. When I inquired with Bank of America the employees stated this was a legal order they had received But no Proof of their claim has been presented to me as of today.
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

Account Name : XXXX Account number : XXXX Date of open : XX/XX/XXXX Balance : {$1500.00} XXXX. Validate Account Account Name : XXXX  Account number : XXXX Date of open : XX/XX/XXXX Balance : {$3800.00} XXXX. Please validate this inquiry is mine Inquiry name : XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX  Account number : XXXX Date of open : XX/XX/XXXX Balance : {$1500.00}
Consumer complaint received 2022-10-21
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-04-05
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. (FL)

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by XXXX, Equifax XXXX XXXX concerning XXXX XXXX XXXX Account # : XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-30
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have been a Loyal Credit Card holder with Kohl's/Capital One since XXXX with an Excellent payment history until XX/XX/XXXX. I had received a call from a Kohl 's Customer Service Rep about my monthly payment being 30 days past due. I was unaware of the payment because I do not use the card often. I did pay the full balance, {$50.00}, which brought the account to a XXXX balance and had the late fee removed by the Rep which I kindly appreciated. The Rep told me that Kohl 's had reported to all the 3 Major Credit Bureaus, XXXX, XXXX and XXXX about the 30-day late payment, I was unhappy to hear that news. I take pride in maintaining a positive credit history by making my payments on time when they are due, and this was why I had an Excellent payment history with all my financial obligation until this unfortunate incident. I did not have Autopay setup at the time of the late payment, but it was setup on XX/XX/XXXX to avoid this every happening again. I mailed a letter to Kohl 's Collection Department on XX/XX/XXXX kindly requesting a Goodwill Adjustment of the 30-day late payment that was reported to the 3 Major Credit Bureaus XXXX They responded on XX/XX/XXXX with a letter of denial. They stated that the information that was reported was accurate and updating the information as I had requested will create an inaccurate representation of the status on my account. The integrity of the credit reporting systems relies on the validity of the information furnished. At no time did I state that the information that was reported was inaccurate. I stated in the letter to Kohl 's that it was an oversight on my part taking ownership. The 30-day late payment that has been reported has decreased my credit score to at-least XXXX points on all 3 Major Credit Bureaus and to be punished for this one-time mistake has been detrimental to my credit status. I am requesting that XXXX XXXX reconsider their decision as a Goodwill Gesture for a Loyal Credit Card Holder since XXXX will an Excellent payment history.
Consumer complaint received 2022-10-21
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'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 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-05
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-10-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: NAVY FEDERAL CREDIT UNION (NY)

I'm filling this complaint because I asked Navy Federal CREDIT UNION to verify and Validate the alleged debt for Account # XXXX for {$8000.00} they allege are asking me to pay, and I have sent several letters and got no compliance on the verifying the debt.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/22, while checking my account online, I discovered 8 charges on my BJs Perks Mastercard that I did not make. I immediately called the number on my card ( XXXX ) XXXX ) to report the charges and was on hold for over 20 minutes and never spoke with a customer service representative. I also contacted them through the secure message center, explained the problem and uploaded an attachment of the 8 unauthorized charges. I received a form letter response asking me their " Account Protection team '' by phone at XXXX. I have called both numbers at multiple times since and each time was on very lengthy holds without ever speaking to a person. I sent another message through the online message system, letting them know I tried to call many times but could not talk with anyone to resolve the issue, and provided my phone number for them to call me. I got the same form letter response asking me their " Account Protection team '' by phone at XXXX. Again, I've made multiple attempts to contact them with no answer. 

The 8 charges were all made on XX/XX/22 All appear on statement as " My Bj 'S Perks XXXX XXXX XXXX, FL '' Amounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these charges. I have uploaded a screen shot of these charges on my account. I am extremely frustrated by the non-existent customer service for this credit card ( issued by Comenity Bank ) and at a loss for how to resolve this. My account is in good standing and I pay it off each month. I am worried this will affect my credit score. I was able to lock the cards on the account. I want to have these charges removed and close my account ASAP. I have uploaded attachments of my correspondence within their messaging system. Thank you very much for your help and attention to this matter. XXXX XXXX
Consumer complaint received 2024-04-05
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: EQUIFAX, INC. (CA)

UNDER 15 USC 1681a ACCURACY AND FAIRNESS OF CREDIT IS THE LAW THAT THE BANKING SYSTEM IS DEPENDING UPON OF AND THE CRA IS BLATANTLY REPORTING INACCURATE AND FRIVOLUS ACCOUNTS THIS IS INACCURATE
Consumer complaint received 2023-08-07
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

I had did a loan consolidation back in XXXX and the account was closed, XX/XX/XXXX Navient reopened my account and took away XXXXXXXX XXXX points on my credit report their claim is that I am 120+ 180 days late. Which is not a true statement. The Navient account was closed and settled after the consultation
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX