davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I just received my reinvestigation back from Transunion. They said everything is verified as 100 % accurate and updated. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the reporting of the following accounts are not accurate. Account Name : XXXX XXXX XXXX - Account Numbers : XXXX, XXXX, 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 reporting agency can not furnish an 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 ) ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NM)

I began paying on student loans we cosigned for in XX/XX/XXXX. The payments are XXXX for account XXXX ( note id 's XXXX and XXXX ) and XXXX for account XXXX ( note id XXXX ). In XXXX of XXXX I received notice of late payment. I called and was told it was an error on their end and they would put in a ticket to have the error fixed. I was told it had something to do with the resetting of the due date on the loan. I never heard from anyone. I was contacted the following month and told again I was late. I recalled the conversation with the prior customer service rep and was threatened with reporting to the credit bureau. Since that time, I have continued to receive notice of past due payments each month always some vague amount. I've spoken to several customer service reps all agreeing there is something wrong on their end and they'll enter a ticket but nothing has been done and no one has contacted me. I've attached some of the notices I've received with notations on who I spoke with. In XXXX, per their instructions, I sent copies of bank statements showing payments to firstmark had cleared and were consistently made each month. I was told I would be contacted ( again ) in 5 days and heard nothing until another notice arrived in the mail. I again emailed customer service and a phone call last night trying to collect money. I don't know where else to turn. I have been faithfully paying this as you can see by the attached statements.
Consumer complaint received 2022-11-24
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. (CA)

I was a victim of the EQUIFAX data breach and was given notice that my info indeed was affected. Due to the breach, I believe these following accounts were opened fraudulantly. 
I hav filed a complaint and also a claim to EQUIFAX. 

XXXX XXXX XXXX {$1000.00} Account XXXX XXXX XXXX XXXX XXXX {$1400.00} Account XXXX XXXX XXXX XXXX XXXX {$790.00} Account # XXXXXXXX XXXX {$3500.00} Account XXXX XXXXXXXX I have filed and disputed these erroneous accounts but, I have not seen the accounts deleted. My life has been diificult due to XXXX and not able to get financing to survive due to these negative accounts on my credit report. I ahve enclosed the EQUIFAX claims form. 

I would like these accounts deleted off my credit reports.
Consumer complaint received 2024-03-27
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: EQUIFAX, INC. (TX)

I am writing to file a formal complaint against Equifax concerning their failure to investigate and respond to multiple dispute letters I sent regarding inaccuracies on my credit report. On the dates of XX/XX/2023, XX/XX/2023, and XX/XX/2023, I mailed dispute letters to Equifax, specifically requesting an investigation into incorrect items listed on my credit report. These disputes were aimed at addressing inaccuracies in both credit account information and personal details. Despite multiple requests for Equifax to conduct a thorough investigation, I have not received any response or acknowledgment of my concerns. I have diligently followed the established procedure for disputing inaccuracies on my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ). However, Equifax 's failure to respond to my requests and conduct an investigation is in direct violation of my rights as a consumer under the FCRA. The lack of response and action from Equifax has caused significant frustration and concern on my part. I am deeply troubled by the apparent disregard for my requests and the persistence of inaccurate information on my credit report, which can have serious implications for my financial well-being. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure Equifax 's compliance with the FCRA. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letters sent to Equifax as proof. 

Additionally, I urge Equifax to permanently delete the disputed negative items on my credit report and all the inaccurate personal information and provide me with the results following the law.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (DE)

I feel I have been treated unfairly by Chase Bank. I feel the act of closing my account before the matter could be reconciled is unfair and deceptive. I had minimal interest and a charge to my credit card made by a merchant in error. The account should have been charged by the merchant in a different means. 
This credit card has a {$7500.00} available credit and was paid in full on XX/XX/XXXX. What I did not realize is that Chase had added interest charges of {$39.00} after it was paid off and in XXXX XXXX pass charged the card {$25.00} in error. I do not get paper statements in the mail on this account and was unaware this charge went on my card and was not checking the balance on the card because the card to my knowledge had not been used. I found out about the past due balance of {$180.00} on XX/XX/XXXX When I applied for a mortgage and found my credit had dropped about XXXX points. I immediately went online and found the account had been closed and had a balance of {$180.00}. I paid the balance off and called Chase the next day. When I ask Chase to reopen the account because of what it has done to my credit they refused. I did not receive any phone calls on the past due balance and Chase had stated that they sent a letter. I reminded them that my account is paperless and that I do not receive statements and I do not open promotional type mail and that I did not receive the letters. 
I checked my profile on their site and they have my correct and current phone number. 
This has had a devastating effect on my credit and may prevent me from getting a mortgage. Chase has refused to work with me on this problem and that is why I'm lodging a formal complaint.
Consumer complaint received 2024-03-01
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

This month and last month. Many overdraft illegal charged to my account under XXXX as policies stated no overdraft fee under XXXX. And one transaction has refunded as return item back to merchant and bank didnt refund overdraft fee. I currently homeless and my income from my employer in and out there no steady working paid.
Consumer complaint received 2023-07-25
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MA)

I am not a Discover Bank loan applicant or customer, but I have been receiving emails related to multiple Discover loan applicants. The information that was erroneously sent to me includes a valid loan reference number, name, credit scores, and detailed credit report information. So far, I have received information on six different individuals between XXXX XX/XX/2023 through today XXXX XX/XX/2023. I reported this data leak issue immediately to Discover since the first incident and had been reporting it to Discover every time I receive a notice. 

However, to this date, the issue still hadn't been rectified and I am still receiving info on more individuals. 

The customer service team I talked to wasn't able to provide any helpful information as to why I am receiving info on these individuals, and I felt I was talking to a vacuum. 

This is a serious leak and something businesses get sued and fined for. I am reporting the issue here as I've tried all I can so far and really didn't know what else I could do to stop Discover from leaking credit report info.
Consumer complaint received 2021-10-18
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: EQUIFAX, INC. (NV)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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 Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX BANK 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 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 2023-06-14
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)

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 ATTACHED LETTERS.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I sent a letter to Experian, XXXX, and XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX ( Acct # XXXX ) XXXX.Dept Of Ed-Opened XXXX XXXX ( Acct # XXXX ) XXXXXXXX XXXX XXXX XXXX- Opened XXXX XXXX ( Acct # XXXX ) Its been well over 30 days. I still havent recieved anything back. According to 15 USC 1681i ( a ) ( 1 ) ( a ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights. I explain to them in writing if you dont have the Original Agreement then I need an updated error free credit report.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Subject : Dispute and Request for Deletion of Illegal reporting of Canceled Debt ACCOUNTS : I am writing to express my concerns that your company is violating my consumer rights by still reporting a charge off account that has been canceled to my credit profile. Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumers report as debt. There is a 1099-C form issued and this now income being filed on my taxes. Reporting inaccurate information to my credit report is in violation of 15 USC 1681E ( B ). If this is not resolved in a timely manner, I am forced to seek legal action against your company for violating my consumer rights. 

Again, this discharged debt is now considered taxable income and should no longer be reflected as an outstanding obligation on my credit report. Your company reporting inaccurate information is severely impacting my ability to obtain credit. 

Please delete and update my credit profile with the correct information in regards to the mentioned accounts. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hello, I am writing in order to complain about the incorrect information that is reporting in my credit report. I am talking about this item : XXXXXXXX XXXX XXXX XXXX I have never had this account, I don't recognize it. I did not check my credit report because I had everything excellent but recently when I took a look I realized that this is complete error. I ask you to make investigation and remove this item from my report. 

Thank you in advance!
Consumer complaint received 2023-03-03
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX accounts has violated my rights. 

15 U.S.C 1681 Section 602 A states have the right to privacy 15 U. s. c Section 604 A Also states a consumer reporting agency can not furnish a account without my written consent or instructions XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, The Bureaus acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct XXXX XXXX, XXXX XXXX XXXX  XXXX acct XXXX XXXX, XXXX XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, US Dept acct XXXX XXXX, XXXX XXXX XXXX  acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXX  acct. XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX, and XXXX, XXXX XXXX XXXX  acct XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXXy acct # XXXX
Consumer complaint received 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have yet to receive documented confirmation or methods/procedures used to initiate these inquiries from XXXX - XX/XX/2023 ; XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

I believe I qualifying for PSLF through the federal student aid buyback program, but when I submit my requests for buyback, they are rejected. 

I graduated from law school in XXXX and I have worked for qualifying employers since XXXX, most recently as an administrative law judge for the State of California. 

The Federalstudentaid.gov website states : What You Need to Know Due to recent changes in PSLF regulation, you can now buy back certain months in your payment history to make them qualifying payments for PSLF. Specifically, you can buy back months that dont count as qualifying payments because you were in an ineligible deferment or forbearance status. 

You can buy back these months only if you still have an outstanding balance on your loan ( s ), you have approved qualifying employment for these same months, and buying back these months will complete your total of 120 qualifying PSLF payments. 

I meet all the above criteria. I have an outstanding balance on my loans. I have 113 qualifying months for PSLF. I have approved qualifying employment during the seven months I am requesting to buy back : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I was in an ineligible deferment or forbearance status during each of these seven months. Buying back these months will complete my total of 120 qualifying PSLF payments. 

The federalstudentaid.gov website also states : Submit a request through PSLF Reconsideration. Include the following in your PSLF reconsideration request for buyback : I have at least 120 months of approved qualifying employment, and I am seeking PSLF or TEPSLF discharge through PSLF buyback. Please assess my eligibility for PSLF buyback. * I have submitted two requests through PSLF reconsideration. 
The reference numbers for my requests are : PSLF Reconsideration Case # : XXXX PSLF Reconsideration Case # : XXXX Both of my requests to buyback the seven months were denied, with only the explanation that : " Based on the information provided, we have determined your request is not a reconsideration request. '' I am at a loss for what to do, because I am following the instructions on the federalstudentaid.gov website but I keep getting denied. I would truly appreciate any assistance with this issue. 

Thank you, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-11-14
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. (FL)

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 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. 

Accounts Disputed Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I never opened accounts with any of the accounts listed above and it is being reported on my credit report inaccurately I sent the credit bureau multiple letters and proof from XXXX XXXX even to today Ive also called each of the credit bureau to get help removing these account being improperly reported on my credit reports and I still have received the proper help or proof that these are my account i demand that these accounts be removed from my credit reports immediately or I will hire an attorney this week and will be force to seek legal fees and compensation for the stress and mental health issues the three credit bureau has caused to me and my family over this matter. The credit bureau violated multiple Fair credit reporting on Acts on my credit reports.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed above. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: DISCOVER BANK (AZ)

I was using the XXXX XXXX website to try and apply for personal business loans. I provided my email address and contact number. I clicked a link to apply for the Discover card personal loan. I received a message from XXXX XXXX who stated he was calling from Discover personal loans and that he was a loan agent. The message stated my loan had been successfully qualified. I called back XXXX and I provided my bank account number and routing number. The agent asked me for my user id and password to my bank account. I hung up and called the XXXX number for discovery. They stated they did not have an application for me. Before disconnecting he provided me with what was supposed to be his supervisor XXXX XXXX XXXX.