davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

I have tried to contacted Nelnet XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The only day I was able to reach anyone was XX/XX/XXXX and was told by the representative they could not help because their system was down. I have attempted to access the website several times including today and it was down. They have stopped allowing comments on social media when you have a question. I have emailed on XX/XX/XXXX  and received an email stating I need to call but you can't reach anyone. I've put a complaint on here before which they supposedly addressed the issue and had an attachment but there was no addressing of the issue nor an attachment for me to review. As I type this interest is being added to my loans because they were not correctly placed in Administrative Forbearance. They have admitted to having the letters stating this needed to happen. They received those letters directly from the Department of Education and I uploaded my copies to the website on XX/XX/XXXX. My loans are all tied to Sweet v Cordona and apart of the settlement is that the loans are to be in Administrative Forbearance until the Department of Education completes the discharge. I have put in a complaint with the Department of Education. I had to go apply for the SAVE repayment plan to avoid me not making a payment hitting my credit as a delinquent account.
Consumer complaint received 2023-01-25
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. (CA)

XXXX, XXXX, and Transunion claim to have conducted a full thorough investigation of these inaccurate negative items on my credit report yet they are still showing up as inaccurate on my report. I would like to know how they verified these accounts. 

XXXX/Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The FCRA and Regulation V generally require a furnis

her to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer ( direct dispute ). Under 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. 

Under the FCRA 1681s-2 ( b ) the furnisher is required to examine sufficient evidence to determine whether the disputed information is accurate. If a furnisher can not affirmatively verify that it has accurately reported disputed information, 1681s-2 ( b ) ( E ) of the Fair Credit Reporting Act requires the furnisher to modify, delete, or permanently block the reporting of the disputed information. 

A fair resolution to this issue would be the deletion of the following inaccurate accounts from my credit report : XXXXTransunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation (LA)

This is NOT my account. I have never lived in the service area. I asked to validate the debt but did not receive any information. I have Never received a bill or any proof to substantiate this debt. I asked them to provide ANY documentation that this belongs to me. I would like them to remove this item from my credit report immediately. 


Disputed this collection account on my credit report at least 3 times, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also call the collection agency. They were going to request additional documentation, but did not receive anything from the inquiry, except saying it was valid. 

Dispute results came back each time with the same information. 


INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Original Creditor. Here is how this account appears on your credit report following our investigation. 

TELERECOVERY XXXX XXXX XXXX XXXX, LA XXXX Account Number XXXX Name TELERECOVERY XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$180.00} Original Amount {$180.00} Original Creditor XXXX XXXX XXXX XXXX ( Cable/Cellular ) XXXX XXXX {$180.00}
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX BRIDLE PATH XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$3200.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$700.00} XXXX  XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$530.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$750.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$5000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$95.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 'S XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-11-04
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)

found out XXXX, XXXX XXXX and Equifax are furnishing my account Dept Of ED XXXX XXXX which is a violation of 15 USC 1681a. I have send them a dispute in the mail XX/XX/23, waiting for a respond.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved an no action has been taking upon my recent disputes. ive noticed all data listed is reporting illegal an fraudulent information that is hindering my credit report. please review an remove the data listed to help clear my credit report asap.
Consumer complaint received 2023-11-04
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved. no action has been taken. looking at all data listed ive noticed all information submitted is reporting illegal an fraudulent information. please review an remove the information listed to help clear my credit report asap.
Consumer complaint received 2021-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CA)

I owed XXXX XXXX TD Bank {$1900.00} back in XX/XX/2020. XXXX  XXXX  stopped using TD Bank as their creditor in XX/XX/2020. I paid off the balance {$1900.00} in XX/XX/2020 and have my bank statement for proof. I have called XXXX XXXX and TD Bank which are both unwilling to resolve the issue or provide help. I need this fixed because this error is preventing me from moving forward with a home loan.
Consumer complaint received 2023-09-27
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX is showing inaccurate information the balance is incorrect and also still showing Disputed multi times with XXXX  and they stated its accurate i attached info showing my balance and that whats reporting and how is incorrect i asked for this to be Deleted from my report
Consumer complaint received 2023-11-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NC)

In 2020 I purchased phones from XXXX. We were lied to by a predatory sales agent about XXXX service and bill amount and when we went to address it, the agent had been fired. 

XXXX greatly reduced the amount owed on the account and only made us pay the balance of the phones as an apology. ( from XXXX to XXXX ). A few years later the difference showed as a debt to Jefferson Capitol Systems on a credit report. 

We contacted XXXX and they said there was a mistake and it would be handled. They said it sometimes happened whenever accounts are paid off. I waited 6 months and it never went away. I was told to contact Jefferson capitol. 

They said they could not remove it, that they purchased the debt from XXXX so to them it is a debt. 

I attempted to pay it to just be done with it even though I shouldnt have had to and they said it cant be paid because they no longer have it and that they sent the debt to a sister company in ( XXXX ). I was never notified. 

When I contacted XXXX they said they did not have it that it was sent back. I was not notified about this either. Only Jefferson Capitol shows on my report. 

Neither debt collector has any information nor will allow the debt to be paid. XXXX did not even know the balance owed and didnt have any information they could use to verify who it belonged to. 

I have done everything I can short of hiring an attorney and contacting the police. To them this is a non-issue and an everyday practice, to me and my family it is hurting our ability to purchase a home..
Consumer complaint received 2023-09-04
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
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. (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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

First Republic Bank/ Chase - I submitted a fraud claim and all the supporting documents ( Police reports and case # 's, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX contact info. I made multiple attempts in contacting First Republic 's Fraud Department both via email and telephone and all of my attempts went unanswered. After First Republic Bank merged with Chase Bank, I also attempted to contact this bank, my attempts with Chase Bank have also gone unanswered
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TX)

I filed a fraud account with chase XX/XX/2023 and received a letter from them taking action against the fraudulent activity and that it would be removed from my credit file. After filing disputes at all three bureaus XXXX says the inforwould remain on my report. Chase did not follow through with reporting it as identity fraud.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Back earlier this year, I went back and forth with kohls as my account was not right and they added late fees when they were not exposed to have been there. In XXXX, I called again and they said everything was fine and not to worry. I called again in XXXX after receiving a statement for a late fee. Why do I have a late fee when I do not even have a balance on my card? So I contacted customer service again and the guy told me I had a XXXX balance. Then I asked why I had a charge for a late fee and he could not give me an answer. So I asked for him to close my card knowing that it had to have a XXXX dollar balance in order for it to be closed. He was successfully able to close my card with no issues. He told me there was no balance and I had no credit card, great because I was done with this circus. At this point, I was hoping my issues with them were solved on this ghost late fee charge on a XXXX dollar balance. Fast forward a few months and I checked my credit score and they have filed it against me but this charge was not there back in XXXX when my account was closed. I closed this credit card so I did not have to deal with this issue any further. I have talked to kohls and they refused to help. I filed a dispute on the three major credit score sites and noone is willing to fix this issue.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit reports with Trans Union, XXXX and XXXX are showing names, addresses, and phone numbers that do not relate to me. I have one phone number, one address, and one name.

All of the inaccurate information is damaging the consistency of my credit report and causing issues. 

My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only phone number is XXXX
Consumer complaint received 2023-11-04
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IN)

I had XXXX deposited in my accounts on XXXX and as of XXXXXXXX XXXX  on XXXX money was there and XXXX XXXX  it was gone and someone at BMO took the money. They have been giving me all kinds of run around and excuses today of what ever and it seen a manage is never avabile. I want to file felony charges on BMO but am willing to see if you can help with the matter.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (FL)

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX  Account Number : XXXX