davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

The balance on the credit cards have been reduced. 
The credit card providers indicated that the updates on the card balances were sent to the 3 credit reporting agencies however, my card balances haven't been updated and I need my report to reflect a lower credit utilization since I am applying for a mortgage. The delay in updating my balance is also delaying my ability to apply for a new mortgage. If I were 30-day late on any credit card payment, the 3 credit reporting agencies would've immediately update my credit report. I am requesting that the credit card balance on 5 credit cards be updated to reflect the lower amount which will increase my credit score..
Consumer complaint received 2023-10-05
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. (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.

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-09
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)

Equifax has continued to report fraudulent inquiries that I did not authorize or give consent for. I am a victim of identity theft and these fraudulent inquiries need to be removed immediately. I have already submitted an identity theft affidavit to support my claim. XXXX XXXX XXXX, XXXX XXXX, need to be removed from my credit file immediately.
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OH)

For months now, I have been patiently waiting for my account from XXXX XXXX XXXX to merge to my Nelnet account. But now, when I try to login, it says " user not found. '' But I am certain I created an account. And I am also certain that I'm putting my credentials in correctly. I proved it by adding my social security number and date of birth and it still says that there's no account found. And I know I've logged into it before when I first initially created the account before the merge process. Every time I try to call Nelnet, there is an egregiously long wait. At XXXX point, I waited more than XXXX hours and finally hung up because I have important things to do with my time then to wait and try to correct an issue that they themselves created. I have been trying desperately to either put my account into forbearance, or to have the lowest payment possible because I don't have a job at the moment. But thanks to their messed up system and a lack of customer service, interest keeps accruing and it is unfair to me that they are seemingly trying to steal money from me by forcing interest to keep accumulating. I feel as though they should offer me some sort of compensation in the way of waving a couple of months of payments or something because this has been more stress than I can take.
Consumer complaint received 2023-01-31
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. (NY)

In accordance with the fair credit reporting act, XXXX XXXX account number XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2022-12-08
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. (NV)

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 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 XXXXXXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

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Consumer complaint received 2023-10-05
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. (CA)

in according with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting angency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX : XXXX Account XXXX : XXXX 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 XXXX 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX 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 XXXXnder 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 2023-12-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP (OH)

XXXX  application for the XXXX  loan was denied but from XXXX  understanding in the federal reserve act section XXXX ( issue notes ) u.s bank received the XXXX  for their bank that was on XXXX XXXX but XXXX  didn't receive anything in return. Instead XXXX  was denied the loan because of a low XXXX XXXX and excessive debt utilization. After reading XXXX  codes that's not a reason to be denied. I only asked to retract XXXX  XXXX  because I don't want the bank taking out from XXXX  estate and leaving XXXX  with nothing in return
Consumer complaint received 2023-07-11
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2023-10-05
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. (FL)

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 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 XXXX 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 2022-12-08
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. (MS)

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 LETTERS FOR REFERENCE
Consumer complaint received 2023-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OK)

I sent in a dispute and validation letter to Experian by certified mail, along with my information and they took no action on my request to get inaccurate items removed and updated on my report. I sent two forms of Identification with my certified mail, and Experian responded with a letter saying " It appeared not to have been sent by me, or authorized by me, and action was taken on my request. See attached for Experian 's letter as well as my letter of request of dispute and validation. There is incomplete, and inaccurate payment history on my report, and payments from creditors that I have no knowledge of, or payments made for any of the amounts on the report. Please see attachments. I included my findings for them on my certified letter with my personal information.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (FL)

I had a auto loan with ally financial where XXXX XXXX sold me a damaged vehicle which I contacted the bank to take back the vehicle which they did and sold it on for more then I was owed on the vehicle. The bank keep the profit and when I asked for the documents which show how much is the vehicle is being sold for on auction, then they banked add another {$600.00} on the vehicle worth. The account account been closed and they bank take advantage on my consumer credit report where they reported a charge off as BAD DEBT and this is totally illegal and I want to take action filed lawsuit against the XXXX XXXX XXXX  for selling my personal to third party and misinformation.
Consumer complaint received 2024-04-06
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. (NY)

I am writing to formally lodge a complaint against " XXXX XXXX '', " XXXX '', " Equifax '' & " XXXX '' regarding their failure to address and rectify inaccuracies with the required XXXX timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX I submitted a dispute with " XXXX '', " Equifax '' & " XXXX '' regarding " XXXX XXXX '' reporting numerous inaccuracies on my credit report. Specifically, I detailed the discrepancies that XXXX XXXX has been reporting to the XXXX major credit bureaus. These include inconsistent last activity dates, irregular payment histories, and the omission of timely payments on XX/XX/XXXX, to Equifax while failing to provide corresponding records to XXXX and XXXX. 

Furthermore, XXXX XXXX has erroneously marked my account for late payments. I hereby demand documented proof of any late payments attributed to my account. Should XXXX XXXX fail to provide such evidence, I insist that ny account be updated to reflect " paid as agreed '' Despite the aforementioned discrepancies and violations, XXXX, Equifax, XXXX & XXXX XXXX, has failed to respond within the mandated XXXX period, as outlined by the FCRA. This failure is unacceptable and warrants immediate action from the Consumer Financial Protection Bureau ( CFPB ).

I hereby request that this matter be escalated, and a thorough investigation be conducted into XXXX, Equifax, XXXX & XXXX XXXXXXXX XXXX reporting practices. I demand that XXXX XXXXXXXX provide documented proof for any alleged late payments and promptly remove this erroneous account from my credit report.

I appreciate your attention to this matter and expect a swift and satisfactory resolution. Please do not hesitate to contact me if further information is require.

I also demand that this resolution gets handled on XXXX  and not outside of it for documented proof.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

I am writing to challange the payment status that is currently being reported on my closed XXXX XXXX account #, [ XXXX ], which is listed on my credit report. I have recently reviewed my credit report and noticed that this account is reported as having an outstanding balance, despite the fact that it was closed. It should be listed as closed account after the first delinquency.
Consumer complaint received 2023-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX XXXX XXXX XXXXXXXX XXXX Card with account XXXX XXXXXXXX opened on XX/XX/2015 and a balance of XXXX 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made since I open this account.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

As of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. Equifax has violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. I sent them all appropriate information to identify me. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX not mine
Consumer complaint received 2023-10-05
Product: Credit reporting 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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

The early part of this year capital one cut off all my credit cards by falsely accusing me of frauding my own account. To this day, when i reach out to get a reason why they can't fully explain why all my accounts with them got shut down. When my account was initially shut down I tried to contact them to pay my cards. but they wouldn't let me do anything kept telling me to wait until i get a notice in the mail. This occured while i lived in XXXX, GA. I currently live in XXXX XXXX, AR. Last month I received a lawsuit to collect a debt. I don't think how they shut my accounts down was civil and they shut down 3 other accounts because I was off by less than XXXX dollars paying one of my credit card bills. There was an unexpected transaction that hit my account when they tried to take the money out. I set up auto pay so I wouldn't forget to pay my bill. Plus this all happened during covid.This has damaged my credit score. All I wanted was to pay towards my balance and get my cards back, my stance is if they can't reactivate my cards, then they should remove all the negative remarks off my credit report.