davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

First of all my loan was in administrative forbearance XX/XX/XXXX to XX/XX/XXXX Nelnet has me listed as XXXX days late in XX/XX/XXXX and XX/XX/XXXX. I have tried XXXX times for them to correct. First they said because I ignored XXXX late notices that werent changing it. When I showed proof that I contacted them on XX/XX/XXXX and they had filled out new application themselves for me to sign which I did and sent back same day on XX/XX/XXXX and sent documents on XX/XX/XXXX that were requested including proof that my wife was on XXXX which they already had. The second response just said not changing no reason given. I have more.
Consumer complaint received 2024-03-27
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-02
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. (OH)

this is my SECOND WRITTEN REQUEST. The unverified items remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.
Consumer complaint received 2022-11-20
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. (MA)

XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXXXXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXXXXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Transunion I do not recognize these transactions credit was pulled multiple times when it should be pulled once by some institutions
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On Monday XX/XX/2022, I received a handful of emails saying that a checking account had been created through Bank of America. My name and email was used to create the account. This activity was fraudulent, as I have no intention of creating a BOA account. I called BOA on XX/XX/XXXX and they submitted a ticket to have the account deleted.
Consumer complaint received 2023-07-31
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)

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. 


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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (MS)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-15
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have been a loyal customer with Bank of America for 24years with two personal accounts. 2 weeks ago I met with a representative to re-title ownership of those accounts to a Trust. 

Th

e rep. looked over the Trust documents and confirmed with her manager that the accounts could be re-titled. She re-titled them in the banking system and send the Trust documents to their legal dept. Legal denied the re-title.

I said ok, put both accounts back in my name. Bank of America is refusing to switch the accounts back to my name. Why? I dont understand. 

Instead they are bullying and forcing me to close my accounts that Ive had for 24 years and open new accounts with higher fees and things that I dont understand. I dont want higher fees or new accounts. Just switch the name on the accounts back to my name.
Consumer complaint received 2023-07-06
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. (CA)

i've sent fingerhut and all 3 credit report agencies documents showing that the account could not possibly be mine, and yet the refuse to give me more information and refuse to remove from credit report. 

account open : XX/XX/2017 balance : {$740.00}
Consumer complaint received 2024-04-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (PA)

I was backed paid XXXX months and unable to pay due to medical and loss of wages, that Wells Fargo was aware of. That addd me to the forbearance option as I waited an additional 3 months for a decision that was never in favor for myself. Wells Fargo denied the modification, forbearance, and any other assistance programs. They said the Investor is the one making all the decisions or have guidelines to what they could provide to me via Wells Fargo. I asked for investor information, Wells Fargo denied me that. Also was not speak to the underwriter. I waited a total of 7 months starting the end of XXXX to XX/XX/XXXX and gettin no where, but ending up with a back mortgage of {$8500.00}, that has to be paid off by XX/XX/XXXX, or foreclosure process can take into affect.
Consumer complaint received 2022-11-05
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. (MN)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX  XXXX Balance Owed : {$840.00} ; XXXX XXXXXXXX XXXX Owed : {$7300.00} ; XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX XXXXXXXX Balance Owed XXXX {$1700.00} ; XXXX XXXX Balance Owed : {$3400.00}.
Consumer complaint received 2022-11-28
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. (MS)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (GA)

This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way. 

XX/XX/2020 {$3100.00}
Consumer complaint received 2020-05-08
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: General Motors Financial Company, Inc. (GA)

I recently checked my report after trying to purchase a car and was denied. I notice multiple hard inquires for the car dealership trying to push for me to get an approved loan but I did not authorize these transactions.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

An old account listed on my file from XX/XX/2015 with XXXX XXXX is not being removed by the credit reporting agencies. It is over 8 years old and is a violation of my consumer rights to be able to remove outdated and paid accounts from my credit file.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I had a collection for the amount of {$700.00} under the name XXXX XXXX that I won a judgment against and was closed. But now that same debt is showing up on my credit report under a new name as XXXX XXXX. This debt I already won a judgement against and had removed from my credit report and now this same debt is showing up as a new account name. This is illegal
Consumer complaint received 2023-07-06
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. (NV)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (KY)

I am a victim of identity theft and recently a fraudulent account appeared on my credit report from " XXXX XXXX  ''. I am not familiar with this account and it is not mine. The fraudulent account caused my credit score to drop which is causing me a lot of emotional and financial distress. Please delete this account immediately so my life can go back to normal.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PA)

I XXXX XXXX, opened an account with Chase credit journey. And today XX/XX/2024. I received an email from them. 
The email stated, that there has been an inquiry to my credit. From none other than chase credit cards. Seems a little weird, because i did not apply for a credit card with Chase Bank. I called them, and they said they would get back to me. I have read lately, anout customers having problems with Chase Bank i am not surprised after what happened to me today. Please help me.
Consumer complaint received 2022-11-21
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)

On XX/XX/2022, I mailed out my FTC identity theft report to notify these companies that I am a victim of identity theft. I reported to them that I did not open or authorize this account, and I requested that it be closed immediately. I asked them to please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have sent a copy of my FTC Identity Theft Report. Because the information that they are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (UT)

I made two purchases and paid my two sellers ( private people ) through Venmo using my credit card XXXX XXXX. I opened a dispute back in XXXX because I did not recognize two charges but called my credit card and Venmo to cancel my dispute within the same week and they confirmed they did cancel and closed my case. A month ago my two sellers contacted me very upset that Venmo had taken the money I paid them. These sellers are after me demanding their money back when Venmo took it without any authorization from my sellers. I called my credit card back a month ago and they closed the case back in XXXX and they never took any money back. They charged me normal.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (NC)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little explanation on. I have the right to challenge anything I am not sure is accurate. Two of the accounts on my report are not reported correctly. They put different dates and information for all three of the credit bureaus. They also are not licensed in my state to be a collection agency. I have reported them to the NC Attorney General who is investigating them and has demanded proof of licensure, but they can not prove licensure. 
Are you familiar with something called 1.5 U.S.C Sec. 168. That is supposed to state if they can't provide proof of licensure and that they report correctly, it has to be deleted. I want these accounts deleted if they are not 100 % accurate. So, could you please check on these and get back to me? I saw on a credit website where I have 30 days to hear back from an investigation. Please investigate the following account. I have the screen shots proving they have reported the balance update, account information, closed vs open on this account different for XXXX, XXXX and XXXX. That can not be legal. 

ProCollect Account Number XXXX
Consumer complaint received 2024-04-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Chase bank closed my credit cards, checking account, savings account and my business account in XXXX. When I called to find out what was going on they time me I would get a letter in the mail. I got the letter 10 days later and it said it was due to inappropriate conduct with employees. I have never been inside a Chase branch in over 2 years so I am completely unaware and confused as to what they are talking about. I dont know why my accounts were targeted but I want to learn how they can close my accounts when I havent even been inside a branch.
Consumer complaint received 2023-06-02
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-10
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. (NY)

I have 4 collections on my account that dont belong to me. I enclosed the accounts as an attachement. I never had any of these accounts and this company says i must pay and I started to get threats. They called my family homes saying they were a private investigator. Its too much trama I lost my mother and grandmother to XXXX
Consumer complaint received 2020-05-09
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: ALLY FINANCIAL INC. (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

ALLY FINANCIAL
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (KY)

Unauthorized transfer of funds from my account to another persons. It was the very last of my money and chime refuses to escalate my case and investigate, even though the account was hacked because of THEM, not me. I never leave my phone sitting out anywhere or my debit card so there is no possible way this was my fault the money was stolen.
Consumer complaint received 2023-07-05
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. (GA)

I REVIEWED MY CREDIT AND SAW THAT SOMEONE HAS APPIED FOR A CAR LOAN WITH MY SOCIAL SECURITY NUMBER. I CALL ALL OF THE CREDITORS LISTED AND NO ONE HAVE AN ACCOUNT OR MY SIGNATURE AND TOLD MY TO DISPUTE IT WITH CREDIT BUREAUS
Consumer complaint received 2024-03-27
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: EQUIFAX, INC. (TX)

I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome to me.