davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

I was recently subjected to adverse credit action by XXXX XXXX  ; and as a result, I requested my credit report from all three credit bureaus, including XXXX, Equifax, and XXXX. Equifax and XXXX were unable to provide me any credit report despite providing a credit score to the lender. I have mailed my request and attached copies of identity documents in support of my request, but I have not heard from the two bureaus after mailing. I was advised over the phone by Equifax and XXXX that it would not be advisable for me to further access my credit file online, as there exist certain metrics ( XXXX block? ) that further prevent access to my credit report after any additional attempt.
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

I owe Commenity Capital Bank about {$900.00} for XXXX  work. I have been paying what i can for about a year now. My balance hasnt shrunk at all, as a matter of fact when i ask for the total it magically goes up. ( Ex last month {$920.00}, this month {$1000.00} ) They call me about 2-4 an hour every day, when i dont pick up they call back with a blocked ( XXXX ) number. I have answered and ask for financial assistance since im the sole provider for my family and we live in the XXXX XXXX so its very expensive. They oblige but then the next week the calls start all over again asking for the full amount. Now when i answer i tell them this is harassment and they quickly hang up. I need help settling this.
Consumer complaint received 2022-10-19
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. (CA)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. No investigation was completed within 30dsys of the letters I sent.

( My letters that was sent to the credit bureaus are attached )
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TN)

My federal student loan servicer is Nelnet. I completed my income-driven repayment plan application on XX/XX/2023 through studentaid.gov, as well as my consolidation loan application for my Perkins ' loans ( email attached for proof ). Nelnet still has not processed my income-driven repayment plan application, although they processed my consolidation application on XX/XX/2023. I contacted Nelnet on XX/XX/2023 regarding my application. I wanted to make sure my application was processed before XXXX because my loans would start building interest in XXXX. Nelnet told me over the phone on XX/XX/XXXX that they were having problems with processing applications, so my loans would be placed on an administrative forbearance until my application was processed, and my loans would not accumulate interest. They also told me my application would be processed by XX/XX/2023. However, they told me they could not send me a confirmation email with this information because " all of their emails are templated ''. They then sent me a templated email stating that I would be placed on a forbearance but my loans would build interest ( although this would not have happened if I had been able to start paying off my loans on an income-driven plan ) ( email attached ). My application still has not been processed as of today ( XX/XX/2023 ) and I have accumulated almost {$1500.00} dollars in interest because I am not able to make payments ( although they told me my loans would not build interest ). I called them again today ( XX/XX/XXXX ), and they told me that my application will be processed in 15-20 business days. However, my loans are continuing to build interest and I can not make payments towards them because I was automatically placed into the " standard plan '' although I qualify for income-driven repayment.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Many of the addresses and accounts link to them have no association with me or my name my name and addresses are wrong state, wrong city, wrong zip code, and many addresses I have never lived at or reported to on my credit
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

15 U.S. Code 1666b - Timing of payments U.S. Code Notes prev | next ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( 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 2023-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

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 the customer service representative of the said accounts. CAPITAL ONE AUTO FIN XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2021-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (NY)

My ex-girlfriend had filed for Bankruptcy earlier in 2020. Once I found out she was going to I called the bank to see what could be done with the ONE credit card we shared as a joint account. 
They told me I could open a new account and transfer the fund s over but there wasnt anything I could do with this one. At the time, opening a new account was not a possibility. 

Then when she was granted her Bankruptcy, the Bank, within a believe a week, Closed the account and placed it on MY credit report as a Charge Off. This was 5 days after I had just the payment on the account. Up till that point Every Payment had been made on time, and more than the minimum. 
But the Bank gave me Zero Notice. No collection notices, no demand for the balance, NOTHING, they simply closed the account 5 days after my XX/XX/2020 payment and charged it off. 

If this Legal? Now I am stuck with a Charge-Off for 7 years because SHE filed Bankruptcy? 
I have no recourse it seems? 
I thought a bank could not Charge Off an account until 189 days from last payment? 
I also thought a Bank was required to attempt collection on an account before Closing and Charge off? 

There has to be something I can do here. The bank failed to notify me, failed to request payment, failed to demand payment, and failed to wait the required time frame before closing the account and Charging off the account. 

What are my rights?? 

XXXX XXXX The bank involved is/was SunTrust Bank, TN.. I believe they merged with another bank now. And were in the process of doing so at the time they charged off the account
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

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 the customer service representative of the said accounts. BANK OF AMERICA XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-05-16
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. (PA)

In accordance with the Fair Credit Reporting Act. this list of inquiries below has violated my federally protected rights to privacy and confidentiality under XXXX XXXX XXXX. The listed inquiries are also unauthorized and unverified. 

XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX  XXXX  inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/XXXX has XXXX 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 an account without written instructions. 15 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. 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 accurate.
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My PayPal account has ben permanently limited and close for no reason so I can't access my funds and withdraw it. I'm sure that I provide all documents needed. I was thinking that there's a mistake in their jobs.I 'm urgently need my money because of my medical porposes. I hope you will help me. My email intended into my PayPal account is XXXX XXXX
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (NC)

I was alerted that there was fraudulent activity on my card. They immediately marked it, sent a new card, and said to shred old one and they would close the account. They never closed the old account so I now have two statements each month. One is for charges that were fraudulent and the account has a negative balance. The new account has a credit for the same amount. Instead of combining them and closing, they applied the credits to the wrong account so it looks like Im not making payments. I have called every month since this happened in XXXX. They tell me its fine and not to make a new payment.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have been fighting with ally  for double reporting and disputed it On all my reports XXXX XXXX just took it off again. Equifax initially removed the balance after they dropped the ball initially. They were reporting an account I had that had a sketchy payment history, so it would be view as negative. Then another account stating I owed XXXX to them. I asked for proof of debt, never got it. Informend them they were double reporting my account. They kept the one stating I owed them deleted my actual account. I complained yet again, this time they didnt delete the account but XXXX the balance. Well, Ive been fighting this on all three agencys and XXXX XXXX just deleted it this morning. I look at my equifax and it says I owe XXXX again! I came with receipts this time. This needs to be deleted off my report. They have damaged my credit and cost me tons in interest. There was a time it was my only blemish for a short period but I never got a fair shake at credit due to it and Im trying to close on my house next week and they pull this hoodwink! Attached is my one account stating XXXX balance. Along with the equifax screen shot of XXXX balance as well as XXXX  finally doing the right thing and deleting it!
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Upon reviewing the personal information section of my credit report, I noticed that they were several outdated and or incorrect personal information on my credit report. I would like those items removed from my credit report due to them being outdated or incorrect. I have listed the information below : Remove the following names : XXXX XXXX Remove the following addresses : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Remove the following employers : XXXX XXXX, XXXX XXXX Also please remove the following birth date : XX/XX/XXXX My actual birth year is XXXX.
Consumer complaint received 2023-09-04
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (CA)

I got reached out to by the law offices if KIMBALL TIREY STJOHN stating that I owed them a collection for an apartment I lived in. They stated that I owed a certain amount for moving out prior to letting them know 60-days in advance. I let them know over 30 days in advance. They stated the lease agreement says 60-day notice shall be given prior to vacating the apartment. However, My lease agreement ended on at the end of XXXX XXXX and I entered a " Month-to-month '' agreement where I was paying as much as + {$400.00} extra each month just to be on a " month-to-month '' agreement because I was planning on moving out in an uncertain time period. I gave them ample time with over 30 days, but they insisted on charging me extra money because it wasn't at least 60 days according to the expired lease agreement. This is hurting my credit and making it difficult to buy a home for my family. I also requested that they provide me proof of validation from one of their attorney 's that the collection is legally justified multiple times and I never got this.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I recently reached out to Equifax when I saw that my credit took some large dives. When I looked on XXXX XXXX, and on their website, the only changes were from me paying down debt. The most recent dropped my score by XXXX points, when I made a payment on my one card, the other drop was XXXX points when I made a car payment. I'm aware that Equifax had issues regarding this in the past in 2022, but if we are relying on companies like this to provide fair and accurate reporting, they are not. When brought to their attention they didn't seem to care, and it likely has to do with their being no clear path to start a dispute regarding your report. It has to be against a creditor on their site, you can't open up a report on them regarding accuracy. This needs to change.
Consumer complaint received 2023-11-10
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. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
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: Experian Information Solutions Inc. (NY)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX : {$730.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXXXXXX Balance : {$790.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXXXXXX Balance : {$720.00} XXXX US DEPT ED XXXX Balance : {$9000.00} ; US DEPT ED XXXX Balance : $ {$4100.00} XXXX
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

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 update 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