davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CT)

It has been a long time. I received letters from Wells Fargo, made many phone calls and was in a payment plan to remove the debit. I was paying XXXXXXXX  a month until half of the debt was paid then I was told they'd cancel the rest due to identity theft and me being a domestic violence survivor.

Then suddenly the full amount still remains on my credit score and I can't get apartments abd am facing eviction.
Consumer complaint received 2023-09-11
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. (TX)

Companies and credit bureaus refuse to provide proof of alleged debt. Under the FDCPA I have the right to request proof. The credit bureaus and companies continue to refuse to provide proof. These COMPANIES AND CREDIT BUREAUS continue to report these debt false while totally ignoring the laws under 15 USC 1692g SEC. 809 ( FDCPA )
Consumer complaint received 2023-12-18
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. (OR)

I am writing this letter to address the delinquent accounts listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For Equifax : XXXX XXXX
Consumer complaint received 2022-10-25
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$2500.00} XXXX XXXXXXXX XXXX {$1800.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Consumer complaint received 2023-09-11
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. (MI)

XXXX. XXXX # XXXX XXXX. XXXX # XXXX 15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-11
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: Nelnet, Inc. (CA)

My credit report is showing late payments to Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX, and Dept Of Ed/Nelnet XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Nelnets customer service representative.
Consumer complaint received 2023-09-11
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: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting 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 am writing to dispute several unauthorized accounts and transactions on my credit report that I believe are a result of identity theft. I recently discovered that my personal information has been used without my consent, and I suspect that my nephew, [ Nephew 's Full Name ], may be responsible for this fraudulent activity. I believe that my nephew, may have used my personal information to open these accounts and carry out these transactions without my knowledge or consent. I have reason to believe that he had access to my personal information, such as my Social Security number, date of birth, and other identifying details, which could have been used for these fraudulent activities. 

I kindly request that you remove these unauthorized accounts and associated negative information from my credit report as soon as possible and provide me with written confirmation of the actions taken. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to bring to your attention an issue I encountered with Capital One, which has led to an unfair fee charge. 

On XX/XX/XXXX, I was charged a fee of {$39.00}, coinciding with the due date and payment date for my account. However, on the same date, I encountered technical difficulties with the Capital One app, preventing me from making the required payment online or via the mobile app. 

Despite my attempts to resolve the issue, including contacting Capital One at XXXX XXXX  on XX/XX/XXXX, I was informed by the representative that the system could not process or accept payments after XXXX XXXX. This was despite the fact that the due date was clearly stated as XX/XX/XXXX. I explained that I had made multiple unsuccessful attempts to submit payment before the cutoff time, but encountered persistent errors within the app. 

Subsequently, I contacted Capital One again on XX/XX/XXXX, only to be informed that the system was unable to reverse the fee. This is not an isolated incident ; it marks the second or third occasion where I have been penalized due to technical issues on Capital One 's end. 

I believe that this fee is unjust and request your assistance in resolving this matter. I kindly request that you investigate this issue and take appropriate action to rectify the situation. It is imperative that consumers are not unfairly penalized due to technical shortcomings beyond their control.
Consumer complaint received 2022-12-06
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. (NJ)

XXXX, experion and XXXX show an outrageous number of credit inquiries on my account. For instance, I did not authorize most of these as follows : XXXX- yes for credit Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX- again it was a soft inquiry they said Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX just inquired not authorized Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX definately not authorized just inquired Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX definately not autherized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX definately not authorized Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX says its a soft inquiry Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  authorized Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX- no not authorized Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX- not aware of what this is for Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX  - don't even know what this is for Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX authorized Inquiry : XXXX. XXXX, XXXX When someone asks you if they can run your credit you assume it's one time not 7 times. This needs to be disclosed upfront and with whom they are running it with because they ruined what I worked so hard for. In addition, there are inquiries on here like the teachers credit union that had no business running my credit.
Consumer complaint received 2024-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I'm submitting this complaint in reference to KOHLS/CAPONE  knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof *TO SEE* Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I, XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC us 641, et esq
Consumer complaint received 2023-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (AL)

Midland Funding called a few times am a credit card account opened in my name.. I expressed I have no knowledge about this card.. After a while I noticed this account on my credit report and called and again let them know this is not mine. But since the amount was not big and this account is weighing on my credit report, I offered a settled for a removal.. Midland Funding declined numerous times.. I was informed that I could make a complaint, so I decided to do so. I also report them to the FTC.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports yet XXXX, XXXX, and XXXX are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status, inquiry, and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge Off status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections, charge offs, late payments, or any other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumers within 5 days, I will be forced to officially file IRS form 3949A ; Information Referral AND IRS form 211 ; Application for Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2021-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

For over 2.5 years I have been trying to get FedLoan to correct my payments for the PSLF program without any success. They payments have been incorrectly not counted after multiple attempts at resolution. Finally the counts were corrected, the issues is that I could have applied for PSLF in XXXX of XXXX, but the payment number was not corrected until late XXXX of XXXX. I received a payment count update in XXXX of XXXX which was missing around 17 months of payments. I then received another updated payment count in XXXX of XXXX, showing the correct number of payments after almost three years of regularly communicating with FedLoan and getting nowhere.
Consumer complaint received 2022-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (TX)

I got the XXXX credit card after I graduate from high school. The payments were made from my checking account through auto draft pay. Discover drafted there payments each month and this multiple times overdraftied my account. I stopped using the card due to the overdraft fees and confusion it caused me at my bank and just overall unhappy with the card. XXXX XXXX XXXX XXXX XXXX of XXXX and at that time my credit report had nothing negative for Discover. Then home for XXXX, and I get served for an amount of {$3200.00} and my limit was only {$2000.00}. This is obviously a mistake so I tried to log in to my account. My account was no longer active then when I called, was told the account is closed and they had no information. Then I called the XXXX 's office and received the instructions to file my ANSWER to the complaint. 
My answer was properly done and filed with the Courts in XXXX Texas. Never heard another thing about it until now. It's been a year without any communication from any collection firm, no letters, phone calls, emails absolutely nothing asking for money or any way to clear up this situation. This week again I received a summons to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XX/XX/XXXX. I'm not even sure what amount they claim I owe and for what I owe it for. I am a XXXX XXXX XXXX college student and do not want to go to court. I thought after I filed the answer, I would get something explaining the next step, but never did. It only seems fair that I would have access to the account charges and this has never been done. Discover claimed my account is closed and there is no information to pass on to me. I shouldn't have to pay legal fees and XXXX costs on a false or made up debt.
Consumer complaint received 2023-09-11
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)

XXXX cites the date last paid is XX/XX/2020 when my last date of payment is XXXX they are re-aging debt- they and Experian and thats illegal XXXX Per 15 U.S. Code 1681s ( a ) 1 ( A ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Experian is wrong and is infringing on my rights. This IS NEW AND RELEVANT! I deserve a fair investigation.
Consumer complaint received 2023-02-15
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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.
Consumer complaint received 2023-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP (TX)

I received one letter from Rausch-Sturb claiming that I owed money to them. They sent paperwork to have me served to an address that I havent lived at in over 5 years. I finally received a letter at my home address with no information on the original creditor, only the amount due. I sent a verification letter in accordance with the Fair Credit Reporting Act in XX/XX/2023 and did not receive a response until XX/XX/2023 when they had me served at my home. I still have no idea what the debt is, who the original creditor was, nor if there was any agreement for me to pay said debt.
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (WY)

I ordered an engine for {$1300.00} on XX/XX/2023 and from a company called XXXX XXXX XXXX order number ( XXXX ). The company had 14 days to ship the engine and exceeded that time frame. I never received the part and filed a dispute with my bank on XX/XX/2023. The company then said on the XXXX or XXXX they would process a full refund for {$1300.00} dollars in 3-5 business days. The funds were pending in my checking account for two days the XXXX and XXXX of XXXX and then the pending deposit disappeared from my account. Then the company said they would process the refund in three install payments for {$500.00}, {$500.00}, and {$350.00}. Thinking that the money was kicked back because the amount was too large. I still havent received a full refund. The company had an F on the XXXX website { XXXX  XXXX XXXX  } and I think they are trying to scam me and my financial institution Navy Federal Credit Union NFCU. I request immediate assistance.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.