davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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 have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXXXXXX XXXX  XXXX ACCT # XXXX XXXX ACCT # XXXX XXXXXXXX XXXX XXXXXXXX ACCT XXXX XXXX These accounts have violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 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 2023-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

Despite my previous complaint, and promise that the issue was resolved, NELNET has once AGAIN placed my account into forebearance despite me not approving it and repeated requests to opt out of any forebearance. 

The last time I spoke to an associate, in response to my previous complaint, they assured me this issue would never happen again and I would not be put into forebearance against my wishes. 

This will be my 7TH TIME requesting to be taken out of forebearance/deferment, with the previous six being assured " it shouldn't happen again. '' This is intentional by design on the part of Nelnet and should be considered fraudulent activity.
Consumer complaint received 2022-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I have reached out to this company about this debt because it is not mine, I asked them to validate this debt have yet to get a response, I mailed a debt validation letter in XXXX and on XX/XX/XXXX still no communication for this debt collector
Consumer complaint received 2020-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I made a complaint against bank of america on this website. They uploaded documents with a title that made it seem as though my personal information was redacted. In fact, even titled " enclosures redacted. '' I was shocked to find the information enclosed was 100 % not redacted and my bank is not only incompetent in all other regards but now is sending out documents with my personal information. As the complain for the previous issue gets posted publicly on CFPB I now have serious concerns about the security of my personal information. I think it clearly states to de-identify submissions which I did with my uploads. Despite this website 's scrubbing process, someone may be able to identify me based on their carelessness! Please contact me asap regarding the breach of privacy.
Consumer complaint received 2023-09-28
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: Westlake Services, LLC (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-09-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

I am a cosigner of a private student loan XXXX - XXXX with XXXX XXXX, that has been paid in full then transferred to another bank. 
XXXX XXXX has been late on all 3 accounts, due to the Student primary borrower who defaulted in the loan. Six months later, XXXX XXXX notified me thereafter, which caused loans to be in serious default, with interest, principals, late fees ..... 

Student to date has not made contact with me nor has he made any payment on the loan as the primary borrower. I was able to set-up a payment plan as a retiree to bring the loans out of default once all three loans were out of default, XXXX XXXX transferred the 3 loans to XXXX XXXX XXXX  XXXX 

I filed a dispute with Credit Bureau Agencies against  XXXX XXXX to remove derogatory marks, It has been 7-8 years, as loans was paid in full. XXXX  XXXX denial request to rs. remove marks from my credit report. I value my credit and understand the value of having good credit that I use very wisely. Co-signing was a terrible mistake, which I learned a valuable lesson. I am only asking for the late remarks to be removed. Primary Borrower 8 years later has not contacted me nor made any effort to make payments. I continue to payments to date on all three loans that has increased to {$47000.00} from {$40000.00} when XXXX XXXX transferred it. 

Thank you for your help XXXX
Consumer complaint received 2020-03-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Upgrade, Inc. (NJ)

I am behind a few payments on a personal loan. This company despite trying to work with me over the phone continues to send me threatening letters saying they are accelerating my loan if all past due amounts arent paid. They said theyd do it by XX/XX/XXXX now they are saying theyll do it by XX/XX/XXXX. This is despite me making payments and trying to bring my account current. Their reps tell me 120 days until a charge off but their threatening letter say otherwise. Aside from this, repeated calls and emails to an excessive level. This is a very unprofessional company.
Consumer complaint received 2018-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

My XX/XX/XXXX XXXX County property taxes have still not been paid. The bill was due XX/XX/XXXX, and now the past due date of XX/XX/2019 is coming soon. I have contacted Roundpoint several times to ask when my property taxes will be paid. They always refer me to the Taxes department, which never responds. 

There is plenty of money in the escrow account to pay the property taxes.
Consumer complaint received 2022-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2022 someone engaged in the attempt to open a new Capital One card in my name, I was alerted via email a credit alert review. I contacted Capital One as well as all reporting agencies to investigate and correct the issue but nothing happened. Capital One assured me that the inquiry would be removed within a week from incident but to no avail.
Consumer complaint received 2022-09-22
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: OneMain Finance Corporation (NY)

I sent a cease & desist letter to One Main Financial on XX/XX/21 because I never gave them expressed written consent to contact me ( violation of 15 usc 1681 ( a ) ( 2 ) ) after receiving several letter via postal mail and email. The postal letters stopped but the harassing and threatening emails continued ( violation of the FDCPA ( 15 usc 1692 ( A ) ( D ) ( E ) ). No consent is fraud. I also demanded to rescind the entire transaction and was told no because it had to be done in the first 72 hours. Well pursuant to 15 usc 1635 the creditor is required to provide appropriate rescission forms for me ( the obligor ) to exercise my right to rescind. This was never mentioned to me nor was I provided any rescission forms. So the 3 business rule day is not applicable here. This is fraud and there is no statue of limitations on fraud.
Consumer complaint received 2017-11-19
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: Experian Information Solutions Inc. (NJ)

I submitted a request to experian to delete an erroneous item from my credit report. Request was sent XX/XX/XXXX, receipt was signed by experian representative on XX/XX/XXXX, as of today ( XX/XX/XXXX ) I have received no notification on the status of the investigation nor has my credit report been corrected.
Consumer complaint received 2023-08-10
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. (GA)

I am writing to formally dispute the inaccurate balance reporting on my credit report by XXXX XXXX. The account in question should have a XXXX balance, yet XXXX XXXX is reporting to all credit reporting agencies a balance and continues to report an incorrect balance. This inaccurate reporting negatively impacts my credit history and must be updated immediately to ensure the accuracy of all my credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 


I request a thorough re-investigation into this matter, adhering to the guidelines set forth by the FCRA and other applicable statutes. The following concerns highlight the inaccuracies in the current reporting : Failure to Reflect Correct Account Balance : XXXX XXXX is reporting a balance on the account, while the account balance should be XXXX. This inaccurate reporting is consistent across all credit reporting agencies and is damaging my credit history. It is essential to rectify this discrepancy promptly to ensure the accuracy of all my credit reports, as required by the FCRA and other relevant statutes. 


Non-Compliance with FCRA and Statutory Requirements : The inaccurate reporting by all credit reporting agencies, constitutes a violation of the FCRA and other applicable statutes, which mandate that credit reporting agencies report accurate and up-to-date information. It is evident that the reported balance is incorrect, and it is the responsibility of both XXXX XXXX and all credit reporting agencies to correct this mistake in a timely manner. 


I demand immediate action to rectify this situation, in compliance with the FCRA and other relevant statutes. Specifically, I request the following : Coordinate with XXXX XXXX : The XXXX XXXX account balance must be accurately reflected as XXXX, given that there is no outstanding balance on this account. 


Provide Written Response : I expect a written response regarding the results of the re-investigation and any actions taken to address this dispute within the timeline mandated by the FCRA and other relevant statutes. 


Remove Inaccurate Information : Should it be found that the reported balance is indeed incorrect, I request a prompt update of a XXXX balance be reported on my credit report. 


I also request updated copies of all my credit reports reflecting the corrected balance and the removal of any inaccuracies as a result of this dispute. 


Your immediate attention to this matter is crucial.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

After opting out per 15 USC 6802, XX/XX/24,, with respect to personal information, Synchrony Bank a financial institution according to, 15U.S Code 6802 ( b ) MAY NOT disclose non public personal information [ ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information ; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. to a non affiliated third party, UNLESS, ( A ) a financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ] Synchrony disclosed in the application that they MAY disclose information to CRAs, However Synchrony failed to follow section B. ( B theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. Which was not done, and Permissible Purpose 15 U.S.C 1681 ( a ) Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. This right was not granted and Principal was not contacted, violating principals consumers rights. And a violation of 16 CFR Part 313.1 Purpose and Scope. Also 15 U.S.C 1681 ( a ) Section 2 ExclusionsExcept as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Synchrony Bank directly violated by reporting non public personal information in regards to transactions and experiences further causing harm to consumer. Synchrony is in direct violation of my consumer rights.

Synchrony refuses to follow consumer rights laws.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I held a Capital One 360 Money Market account that was earning 0.80 % APY. 

On capital ones website, it advertises 360 performance savings account earning 2.0 % APY.

I called into capital one and was informed that my 360 money market account is a retired product that is no longer available, and that I could open a new 360 performance savings and transfer my funds into it in order to earn the higher interest rate.

My complaint is I was never informed that my money market savings product was retired and that it was replaced with a new product earning a higher rate. It seems capital one is purposefully not informing customers in order to save themselves from having to pay higher rates.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (TX)

On Wednesday XXXX I received a collection call on a credit card balance that I did not open. I was not told and do not know the balance involved. The company was Genisis Card Services, XXXX XXXX XXXX, XXXX, Oregon XXXX and I explained I never applied for this card and never received or used this card. I was asked to confirm my address and they did not have my current address, but instead an address I had lived at in XXXX ( XXXX XXXX XXXX, XXXX TX XXXX ). I then was transferred to their fraud department and I explained again the situation. I was skeptical about this call because I had a very difficult time understanding the person I spoke with ( accent ) and there was a dog barking in the background. I was told they would send out a letter explaining all the steps I need to complete, but as of today I have not received anything - letter or follow up communication. 
In addition, I get so many scam-type emails and text messages that I do not open and just delete. I did notice a letter " declining '' a credit card request from XXXX  XXXX XXXX on XX/XX/XXXX ( reference # XXXX ) that was addressed to my old address. I really didn't think much of it at the time, but know I am.
Consumer complaint received 2022-09-22
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (OH)

I had TG max credit card on XXXX Used the card and paid off the whole debit immediately. However mistakenly forgot to pay XXXX XXXX left. About a year later I was trying to mortgage a house and I realized that my credit score is not as expected. After some assistance I realized that I had this forgotten XXXXXXXX XXXX in my account. I immediately paid it off. I called the collection company multiple times and Realized that they never reached out to me to collect this XXXX XXXX They had a wrong phone number and Wrong address. I never received anything from their end. Now after almost 2 years my credit score is hurt by that incident. I am desperate for help as I am planning to mortgage a house soon and this standing in my way unfortunately.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT- I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}
Consumer complaint received 2022-09-22
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. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-07-20
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. (TX)

I am writing to dispute the account referenced XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. You are also reporting the date last active was XX/XX/XXXX when this is incorrect. The XXXX is critical when dealing with the statute of limitations and I believe your company knows this and that is why you illegally updated the date last active. I dispute your claim and I am requesting that this is removed from my credit report. This account is also over 7 years old and should have been removed on XX/XX/XXXX which is another violation. Stop reporting this information on my credit report for many FCRA violations. XXXX has since removed this account, Experian and XXXX need to follow suit.
Consumer complaint received 2022-09-22
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. (PA)

XXXX XXXX, Experian and XXXX violated my rights. I disputed this account because it has been reporting inaccurately. This account has been deleted from XXXX, yet Experian and XXXX continues to parrot back off of the the creditor. The creditor is incorrect and these credit reporting agencies refuse to be fair and partial. In fact they are wilfully neglecting to protect me as a consumer. They claimed that XXXX XXXX " verified '' this as accurate. Why would XXXX XXXX report different information to the 2 Credit Reporting Agencies? XXXX reported to Experian that the terms were 72 months, yet reported to XXXX that the terms were 0 months. XXXX reported to Experian that the high credit was {$15000.00}, but reported to XXXX that the high credit of {$6700.00}. XXXX reported a date of last activity to Experian of XX/XX/XXXX but reported a date of XX/XX/XXXX to XXXX. XXXX reported a Date of last payment as XX/XX/XXXX to Experian and a date of XX/XX/XXXX to XXXX. In addition the payment history is totally different, all of the information contradicts. proof of inaccuracies attached. XXXX deletion attached. 

Please delete immediately for inaccuracy. Per the FCRA my report is to be 100 % accurate. Proof attached.
Consumer complaint received 2024-05-22
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. (CA)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.