davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-12
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (NH)

On XXXX XX/XX/2022 i gotten a text notification from chime that XXXX store was trying to get XXXX from my checking card but it was canceled due to insufflate funds. I didn't recall that so i called chime to inform them. spoke to XXXX from chimeXXXX pm on that set date above. I canceled that card ( checking ) on above date and time with set agent XXXX shortly later i gotten notification via chime of my new temp ending in ( XXXX ) you wont see it on new temp card because it was paid for from a canceled card with insufficient funds card ended in ( XXXX ) Just short of XXXX hours later chime authorized a transition against my authority. Without my consent i do not have XXXX me nor overdraft. Chime paid out XXXX on a canceled card with insufficient funds ending in ( XXXX } that has been canceled due to a declined charge of XXXX. I disputed it with the dispute dept where the dispute department
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: S&N Debt Solutions, LLC (CA)

Dear Sir/Madam : I am writing this complaint about Beyond Finance, a debt management company with whom I entered an agreement with in XX/XX/XXXX. This company proclaimed to serve as a mediator with my creditors and guaranteed me they would settle my debt without it going to collection so that I only had to pay one low monthly payment of {$460.00}. The asked me to sign a contract and told me to STOP paying my creditors and STOP taking my creditor 's phone calls. I expressed concern about not communicating with my creditors and the representative explained that I should refer the calls to Beyond Finance.

I followed their guidance and stopped making payments on the accounts that were part of the settlement agreement and I even wrote a letter to the creditors giving authorization for Beyond Finance to communicate on my behalf. Beyond Finance contacted me around XX/XX/XXXX and informed me that one of the creditors, XXXX XXXX, agreed to the settlement and that payments to XXXX XXXX would begin in XX/XX/XXXX. I felt relieved that XXXX XXXX and Beyond Finance reached a settlement agreement on my behalf. Unfortunately on XX/XX/XXXX I received an alert on my credit report that XXXX XXXX " charged off '' my balance. I disputed this verbiage because Beyond Finance representatives assured me that all settled accounts would show " settled '' balance. The dispute was overturned and the language remained. 

On XX/XX/XXXX I brought this to the attention of Beyond Finance in an email. They left me a voicemail to call them. When I finally called on XX/XX/XXXX, I told the representative that Beyond Finance misrepresented their services and that I wanted to cancel my contract. I also told them to refund my payments. 

I feel like I have been defrauded by Beyond Finance. I am furious that I wasted money and time when I could have worked out other payment arrangements with my creditors on my own.. So far they collected payments for XXXX, XXXX and XXXX and they did not deliver on their promise. Please investigate this company. 

Thank you, I look forward to hearing from you soon.
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I made a payment towards my student loands on time via Nelnet 's website. I made a payment on XX/XX/23 of {$1100.00} to a loan group. The payment amount due was {$500.00} by XX/XX/23, so my payment of {$1100.00} covered the total due in excess. It is now XX/XX/23 and Nelnet 's website says that my payment is past due. However, the website reflects that my payment of {$1100.00} on XX/XX/23 was posted and applied to my account, and the money has been drawn from my bank account. I have tried to call Nelnet twice, once on XX/XX/23 and again on XX/XX/23 to speak with an advisor to address their error. Both times the hold times were estimated to be over 70 minutes long. I can not get in contact with anyone to amend this issue. I am scared it will start to impact my credit score.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent a notice to Experian to investigate accounts on my consumer report that are inaccurate. I have not heard anything from them. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In General. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The law plainly states that a failure to investigate these items within 30 days gives a reason to immediately delete those items or information from my consumer report. It has been 30 days so the accounts should be deleted promptly. 

It has been almost 40 days and I have not heard anything back. 

They are inviolation and the accounts need to be deleted from my consumer report.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (NY)

INQUIRY WASNT MADE BY ME NOR DID A FDIC or NCUA member institution requested these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I submitted a dispute and no proof of validation came back for such inquiries I tried to get removed previously.

Its affecting my ability to apply for credit cards and my life.
Consumer complaint received 2022-09-12
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)

I asked the credit report to correct inaccuracies an they didn't! 

In accordance with the FAIR CREDIT REPORTING ACT : XXXX is showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing XXXX XXXX XXXX from XXXX XXXX Experian is showing ACC. XXXX XXXX from XXXX XXXX Experian is showing ACC. # XXXX from XXXX Experian is showing ACC. # XXXX from XXXX Experian is showing ACC. # XXXX from XXXX XXXX Experian is showing ACC. # XXXX from XXXX XXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-29
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (CA)

I am currently in the process of refinancing my mortgage that is being serviced with Fay Servicing. In order to refinance, the lender I am going with is requesting a letter from Fay Servicing stating that a Forbearance that I did in XX/XX/2020 was made into a deferment in XX/XX/2020. I have contacted many people at Fay and they state they do not have this documentation and will not resolve this for me. How do you create a deferment without documentation? I need this document and as of today, I have contacted the CEO, XXXX XXXX, XXXX XXXX, VP of Quality Assurance and have not received the documentation that I need.
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (MD)

XX/XX/XXXX account opened by TD BANK XXXX/TARGETCRED XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " data unavailable '' ( how is this possible? ) XX/XX/XXXX Reported as 30 days late XX/XX/XXXX Reported as 60 days late XX/XX/XXXXXXXX Reported as 90 days late XX/XX/XXXX Reported as 120 days late XX/XX/XXXX reported as 120 days late ( how is this possible? ) XX/XX/XXXX - Charge off ( account closed at credit grantors request ) Credit Limit - {$300.00} Balance on XXXX XXXX {$440.00} XXXX how is this possible? ) I've tried to get verification on this account from XXXX, the dispute came back as verified with updated addresses that I do not and have never lived at.
Consumer complaint received 2021-06-22
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)

no creditor : remove it Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account US DEPT. OF EDUCATIO {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment US DEPT. OF EDUCATIO {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$40000.00} XXXX XXXX {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance on XX/XX/XXXX Loan Amount {$0.00} {$100.00} Payment Info remove : XXXX EDUCATION LO {$14000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment XXXX EDUCATION LO {$19000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment remove the late payment : XXXX XXXX XXXX XXXX {$9600.00} Balance updated XX/XX/XXXX 1 late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment Paid Off : 29 % XXXX 2 late payments {$850.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Revolving account XXXX {$9600.00} Balance updated XX/XX/XXXX 1 late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account
Consumer complaint received 2021-06-22
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. (CA)

There are 6 accounts 1 bankruptcy and many inquiries that are not mine I have not signed, used or know what these are!!! I have no idea how they are on my report or whos these are I need help the bureaus and the furnishersdont knwo what these are. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry US DIST CT - Reference Number XXXX
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On approximately XX/XX/2021, I sent a letter to TRANSUNION to dispute two accounts which were XXXX XXXX XXXX XXXX XXXX and a XXXX Collections that were not supposed to be reported. As the consumer, pursuant to 15 USC 1681b ( a ) ( 2 ), I have written instructions on how I wanted my consumer report to delete referenced accounts. A couple of days ago I received with one of the accounts in question removed but not the other one because of the validity. However, as the consumer I am the only one who can say what is valid or not.
Consumer complaint received 2023-05-20
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. (MD)

XXXX XXXX  XXXX is incorrectly reporting on my credit report. 
The account reported close and then open and then late. This account should not be reporting on my credit report XXXX credit has also been removed and XXXX put it back on my account illegally. 

XXXX also never removed XXXX XXXX XXXX XXXX XXXX XXXX are reporting XXXX auto loans and a ftc report has been filed and shown. 
15 U.S. C 1681c. ( a ) ( 5 ) 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 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b ) I have contacted my lawyer and the next step is to sue and demand monetary relief due to them breaking these very laws
Consumer complaint received 2021-06-22
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. (TX)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-06-22
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: PENTAGON FEDERAL CREDIT UNION (NY)

PenFed ( Pentagon Federal Credit Union ) has added a 120 days late account to my credit report for an account that I do not even own. Here are the details : reported date : XX/XX/21 account number : XXXX amount delinquent : XXXX payment status : late 120 days I previously reported some fraudulent credit reporting by penfed for payments that I had in fact made and they processed however nothing was done about it. This further highlights their inability to accurately manage their business.
Consumer complaint received 2021-06-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

They also violate my HIPAA Privacy as they failed to protect my medical records and other personal health information.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2017-08-17
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)

XXXX incorrectly reported late payments on my account although it was in forbearance. In fact, the Consumer Financial Protection Bureau is in the process of suing XXXX as they have done this to other borrowers. Unfortunately, all three ( 3 ) credit bureaus are reflecting the incorrect late payments.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

The following names are being reported on my consumer report and it is not my identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are being reported on my consumer report that are not mine and need to be removed immediately. 

XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, NC XXXX The only name that should appear on my consumer report is the following. 

XXXX XXXX XXXX XXXX The only address that should appear on my consumer report is the following XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2021-06-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

In or about XX/XX/2021 XXXX XXXX XXXX opened a fraudulent account without my permission. Credit bureaus XXXX and XXXX were notified promptly, and immediately removed the fraud credit card & reporting from my account. However. Experian visibly removed it from the online reporting and on XX/XX/2021 I was informed by an Experian Representative that, a late payment from XXXX XXXX XXXX appears on my Credit Report as 60-90 days late. As a result of this malicious, retaliated actions of Experian, 2 of my credit accounts limits were decreased. Now as a result of Experians fraudulent actions I have to monitor my credit reporting daily.