davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
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. (ID)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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 UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXXXXXX 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 2022-11-08
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. (FL)

A notice was sent to these companies making alerting them I am aware of their fraudulent reporting. They were not given permission to report my information and therefore they are breaking the law according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. I will move forward with proper measure for my consumer rights being violated
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (FL)

A notice was sent to these companies making alerting them I am aware of their fraudulent reporting. They were not given permission to report my information and therefore they are breaking the law according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. I will move forward with proper measure for my consumer rights being violated
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

inaccordance with the fair credit of a report act. the list of account below has violated my federally protected consumer right to privacy & confidentiality under 15u.s.c1681 XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Has violated my rights 15u.s.c1681 Sec.602 A. States i have the right to privacy.

15u.s.c sec.604A sec 2 also states a consumer reporting agency can not furnish a acc.without my writting instructions.

15u.s.c1681c ( a ) ( 5 ) sec.states no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse items of info.other them the records of convictions of crimes which antedates the report by more then 7 years 15u.s.c1681s2 ( A ) ( 1 ) a person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has resonble cause to believe that the info is inaccurate
Consumer complaint received 2024-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

Well Ive been making my payments as I have for the last XXXX  years and they are not showing my payments. They have been sending me past due notices even though I have documentation that they have cashed my checks. Ive spent hours waiting to get a person on the phone and when I do I get the run around.
Consumer complaint received 2022-11-08
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. (MI)

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 , and 17 fraud inquiries from trans union has violated my rights. 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.

Transcript Follow along using the transcript.
Consumer complaint received 2023-10-26
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Central Portfolio Control Inc. (LA)

On XX/XX/ a company me called in regards to a cell phone payment. 
They said the card I have on file declined. I told them I am out of work and I will be in touch with them as soon as I can make a payment. They continued to ask me when will that be. I told them I dont know and they continued to ask personal questions like how am I paying my other bills and surviving I felt like this was very unprofessional and abusive.
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit profile has multiple inquires that were not made by me I have submitted a complaint almost 60 days ago and still nothing has changed please remove these fraudulent inquires. I have mailed my ID and SSN and theft report multiple times and still havent gotten a response.
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (CA)

Recently my consumer credit report has been reported improper. These consumer agencies XXXX, Equifax and XXXX are been report my wrongly and there are unnecessary and unfamiliar hard and soft inquiries in my credit record, most especially XXXX. These unrecognized inquiries has hurt my credit scores and records badly, for instance the hard inquiries like follow XXXX XXXX a mortgage company, address XXXX XXXX XXXX # XXXX, XXXX. Date of inquiries, XX/XX/XXXX XXXX XXXX XXXX, Mortgage Reporters, address XXXX XXXX XXXX XXXX XXXX, XXXX. Date of inquiries, XXXX XXXX, XXXX, XXXX XXXX XXXX, Property And Property Management Companies, address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Date of inquiries XX/XX/XXXX, and XXXX XXXX, ( {$110.00} ) a collection department on behalf of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Date XX/XX/XXXX. This debt has been paid. 
In addition, The activities on my credit are not been updated frequently, for instance transactions of 2-3 weeks ago not been updated yet.
Consumer complaint received 2023-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

On Thursday, XX/XX/XXXX, I logged into my bank account to just do a quick review of my recent charges. I found a double payment on my student loans and wanted to call Nelnet to figure out what happened and how to prevent it from happening again. I called them at XXXX EST and after navigating through their awful automated system, proceeded to sit on hold for! 2 hours! until a support agent answered. She was incredibly rude and made up a story that her computer was resetting just so she could abruptly hang up on me and go take a lunch break. An hour later she called me back to try and address my concerns, but had no answers. I was transfered to a supervisor who was insanely rude, didn't care about my wait time, and had no answers. The worst part about all of this is that the first support agent told me that my issue was caused by a KNOWN GLITCH that Nelnet decided to NOT tell anyone about. When I confronted the supervisor with this information, she confirmed it and said she had no more answers. When I asked the supervisor if a refund on the additional payments were possible, she said that because of how backed up they are on refunds right now, it would take at least 95 days before one would even be processed. Nelnet is purposefully understaffed and those they employ are incompetent.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Hi, My checking account with Chase has been frozen without a good reason. And I can not use my own money that my employer deposited. 

Chase wrongfully accused my money came from illegal source based on a false claim from someone I don't know. Chase decided to frozen my checking and my own money without notifying me since XX/XX/XXXX. They locked my own money for over two weeks with XXXX solid evidence that my money are illegal. All my money in my checking account came from my employer. 

After found out this unusual situation myself on XX/XX/XXXX, I called Chase customer service for over 2 hours. Two representative and two senior managers talked to me, although admitting with no evidence, they still decided to keep block my own money. 
On XX/XX/XXXX, I went to a Chase branch locate in XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The banker there fully understand my situation, and helped me argued with Chase claim department. However nothing can be done. Chase ask me keep waiting, while they did nothing to solve my issue. 

As a result, all my credit cards charged me interest fee and returned payment fee. Four of my credit cards from XXXX got cancelled. My Chase account has over XXXX dollars, and I can not use it to pay any of my credit cards balance or buy grocery for my XXXX kids.
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (GA)

THIS IS NOT DUPLICATE********** I HAVE NOT BEEN ABLE TO REACH EQUIFAX CREDIT REPORT AGENCY. THEY HAVE SENT OVER THE SAME INFORAMTION NOT RESPONDING TO EACH INDIVIDUAL RESPONSE. I HAVE SUBMITTED A REQUEST FOR XXXX XXXX XXXX COLLECTIONS TAKING OVER XXXX XXXX XXXX  ACCOUNTS TO BE VALIDATED. THE COMPANY FAILED TO DO SO IN 30 DAYS WHICH IS MY RIGHT THROUGH FRCA AND EQUIFAX HAS FAILED TO REMOVED THE ACCOUNTS. I HAVE SEVERAL REQUESTS ONLINE THROUGH CFPB BUT NO RESPONSE FROM EQUIFAX OR XXXX XXXX XXXX.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Ive had a case open and I tried to have my case closed in order to get a new checking account for over 2 years now. I reached out to the back and they told me that my account been closed for almost 3 years now and that I just contact CFPB in order to file a dispute in order to get my name removed in order to open a new account with any bank but due that I have a block on my credit file I am unable to due so.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (WI)

I discussed with a claims adjuster from Wells Fargo Bank ( NA ) Arizona ( who would not provide his name & I.D . Number ). There was a deduction from my checking account from a service of which I never received ( auto-deducted from XXXX XXXX XXXX. The claims adjuster went through my deductions from my account. XX/XX/2023 the amount of {$120.00} was deducted from XXXX from my checking account. They offered me a provisional credit.XXXX XX/XX/2023 the amount was deducted from my checking out ; yet, again, in the amount of {$120.00} of which Wells Fargo offered another provisional credit. XX/XX/2023, there were three transactions ( 2 credits of {$120.00} dollars, and one deduction/refusal of {$120.00} ). I called the bank and I told them to stop these random, and excessive, deductions from my account from XXXX. The bank agreed to block these transactions from the Merchant ; XXXX via XXXX XXXX. XX/XX/2023, the claims adjuster explained that XX/XX/2023 it was : " adding {$120.00}, and deducting {$120.00}, '' cancels the claims out. In total, per Wells Fargo Claims Adjuster, there were : " a total of 5 credits, and three deductions. '' Therefore, the bank reversed two credits, in the amount of {$120.00}, in total of : {$250.00} on XX/XX/2023. The bank never called me to warn me of subtracting this money from my checking account. Therefore, two transactions bounced, and left me with a negative balance. Wells Fargo Claims Adjuster representative, stated : " It is definitely Wells Fargo 's error, but we are not crediting your account back, and you'll incur overdraft fees. '' I believe I should not suffer financially from financial institutions errors around adjusting claims. This is predatory, and an unfair banking motive, practice, and poor, practical customer service skills on behalf of Wells Fargo. In addition, I am incurring late fees on the two auto deductions from merchants, while my account remains in a negative balance.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

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 2024-03-08
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. (MS)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts are incorrect, and it's causing me discomfort.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-11-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Letter sent to Trans Union on XX/XX/22 regarding the investigation of 3 Inquiries not authorized. A stall letter has been to me from TransUnion stating this information did not come from me, even though I included my license and bill copy. According to FCRA U.s.c 15 Sec. 1681, I'm aware of my consumer rights concerning the investigation of unauthorized inquiries.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2022-11-09
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. (NY)

This is regards to case XXXX XXXX Experian claimed that the report does not have those accounts. Those are XXXX account with sub accounts. 
I am disputing this again account for months, late payments are illegal, I have been stressing this factual law with XXXX. They have been in violation. In exhibit " XXXX '' XXXX have been sending this response to me when I am the natural person. I was clear with what I wanted. In exhibit " XXXX '', I disputed this account and XXXX keep responding with Exhibit XXXX XXXX I am tired of the run around and the back and forth and the violation of my federal rights. I filed a case with the Attorney General of XXXX XXXX XXXX. XXXX also violated my right to privacy as pursuant to 15 USC 6802. 
THESE accounts XXXX AND XXXX Are still reporting late when Experian said that they were not on my report. This willful negligence, defamation of character. Do Experian want to be held liable for Monetary Remedy. 
As pursuant 15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Clearly Experian did do their due diligence INACCURATE AND INSSUFICIENT PLEASE SEE ATTACHED
Consumer complaint received 2024-03-08
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)

Score has dropped by XXXX points in the last 2 months for no reason ( XXXX, XX/XX/2024 ). I am never late on payments, credit utilization is low, no new accounts opened, have long history of credit open. I have no reason for the significant drop in credit score, my accounts are frozen with the credit bureau
Consumer complaint received 2022-11-09
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. (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 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-01-22
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. (NY)

I requested that Transunion investigate a Bankruptcy on my credit report. I opened the request on XX/XX/22 and they completed their investigation on XX/XX/22 without providing an explanation. I requested from the Bankruptcy court the procedure that they utilize to investigate issues on Bankruptcy filings and the court indicated to me that they do not provide information to the Credit Reporting Agencies. I then submitted a follow up letter including the letter from the court to Transunion asking the process that they follow to investigate Bankruptcy information, but I have not received any additional follow-up letters.
Consumer complaint received 2023-02-12
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. (GA)

There a fraudulent address on my credit report Thats need to be removed I have contacted these companies on several occasions with my FTC reports and everything these addresses are not mines and need to be removed, Also Payments history is inaccurate on 4accounts on my credit report Ive sent several letters and disputes says its updated but when I look on my report theres no update
Consumer complaint received 2023-01-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

ARS has been calling on a daily basis for a debt that I do not own. Under Section 604 15 U.S.C. 1681 B, the credit reporting agencies DO NOT have the right to report anything on my credit report.

Under Section 605 A 15 U.S.C. 1681 C-1 it states that with no consent, they MUST DELETE, = identity theft.
Consumer complaint received 2023-02-22
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. (NY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX