davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to dispute the following information on my credit report. The addresses listed below are not my correct addresses : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Additionally, I have noticed several inquiries on my report that I do not recognize : XXXX XX/XX/XXXX inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX inquiry XXXX XXXXXX/XX/XXXX inquiry XXXX XX/XX/XXXX inquiry I believe that my rights under the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA have been violated due to this inaccurate and incomplete information on my credit report. Please investigate these discrepancies and take appropriate action to correct them as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (LA)

This is not a duplicate complaint. I am submitting this complaint for myself. 

I have previously submitted a complaint in regards to XXXX trying to collect an obscene amount of money, that I do not owe. This was also reported to the FTC. 
The claim number for CFPB XXXX, for reference. 

XXXX has once again sold this account to another debt collector, after having been reported by me and having the account closed, due to poor practices. 

I have been receiving calls from XXXX XXXX XXXX XXXX, yet another collection agency. Today, I received a letter from this company, trying to collect the same debt for XXXX XXXX. 

Please see the CFPB complaint previously made XXXX, for details.
Consumer complaint received 2024-02-13
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (ID)

I have received zero letters or calls about this debt. I have no idea where this debt is coming from and I have not had a XXXX  account for 4 years. This debt showed up 2 months ago and the only way I knew about it was through my credit report. I am disputing because I have never owed that amount and if I had an outstanding payment it was not that much, my debt is being affected by false information.
Consumer complaint received 2023-02-09
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. (AZ)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-13
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: CBC Companies, Inc. (CA)

I dont recognize these companies that have posted hard inquiries on my credit report. I dont know who they are and Ive never given them permission to use my personal information. Please kindly remove the hard inquiries mentioned below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FACTUAL DATA Open XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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. (NC)

Please remove all fraudulent account and incorrect addresses as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-02-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (OH)

On XX/XX/XXXX, XXXX added a trade line with Jefferson Capital System. The collection company failed to send notification of the debt and notice of right to dispute. According to the FDCPA collection agencies have to send a validation notice It must be sent within XXXX days of the first contact. 

The debt validation letter includes : The amount owed. 

The name of the creditor seeking payment. 

A statement that the debt is assumed valid by the collector unless you dispute it within 30 days of the first contact. 

A statement that if you write to dispute the debt or request more information within 30 days, the debt collector will verify the debt by mail. 

A statement that if you request information about the original creditor within 30 days, the collector must provide it. 

None of this was sent, which is a vilation of my rights and the law.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NY)

I requested over the phone for Nelnet not to report my information to any third parties such as XXXX. I did this several times and have XXXX of these phone calls recorded. Each time I was not given a written request asking for my permission to disclose information nor an explanation of my right to exercise my nondisclosure option pursuant to 15 USC 6802. This most recent contact was met with a written response from Nelnet ADMITTING that they are not following the laws set out by the Fair Credit Reporting Act. However, 15 USC 6802 clearly states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 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. Clearly, Nelnet is saying that they have not and will not be giving me an option to exercise my privacy concerning third parties. I was never given a written notice at the beginning of said alleged agreement with Nelnet nor was I given XXXX upon these multiple requests. This constitutes as Nelnet violating these laws willfully and knowingly, and I would like them to comply and cease reporting immediately on any negative information that does not have my consent to be disclosed.
Consumer complaint received 2023-07-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

Subject : Forclosure dispute, Ive owned since XXXX Ive had my home sold since XXXX have a signed contract, funds ready to transfer, been in contact with the mortgage company, pending a signature from my ex -wife..??? 
On Monday, XX/XX/XXXX with I called SPS and spoke with several individuals ( relationship managers ) regarding postponement of my foreclosure sale, a woman named XXXX, explained to me on a recorded phone call, if I can send proof of funding that day they would post pone the auction sale. I called back after sending the information spoke with XXXX and then XXXX who confirmed They received it that day. By XXXX XXXX. I Icalled XX/XX/XXXX I spoke with XXXX, she told me that auction had progressed despite them telling me it was postponed, transferred me to ombudsman I left messages, then I called and spoke with XXXX referred me to XXXX telling me property was sold, I spoke with XXXX I was referred to attorney XXXX XXXX I left a message also with them I spoke with XXXX Who transferred me to XXXX and she helped me file this dispute with SPSERVICING I was on recorded phon calls with my title company and buyer with SPS when they told me auction was postponed thank you for your prompt attention to this matter. I am requesting 7 to 10 days postponement that I may provide funds to resolve this matter either a reinstatement or for payoff. Now Im Trying to remediate and close the sale, So can move on with my life. This company has been trying to get my property for two years now theyve approved modifications, Ive paid them, theyve misappropriated payments I still have unapplied funds in my account they have for no reason, canceled my modifications three times, they have dozens of lawsuits for this, Im seeking proof of my mortgage from XXXX XXXXXXXX XXXX in XXXXto SPS and not gotten any proof that they can provide ... etc..
Consumer complaint received 2023-05-26
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 see that the same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 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 : XXXX XXXXBalance : {$490.00}, XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXXXXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance XXXX {$38000.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXXXXXX Balance : {$2200.00}
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (CA)

Ive had issues with my identity being stolen and there are several collection accounts I have tried for years to have removed. One from XXXX XXXX XXXX and two from XXXX XXXX XXXX. I have filed police reports on the accounts but company and reporting agency verify them as accurate.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In 2016 my XXXX XXXX  brother passed away with no will, he had no assets except his savings and checking account at Bank of America less then {$3000.00}. His daughter gave up trying to get the money and ask me to help. Turned them over toComptroller of Currency, they expected it to be taken care of. No BOA will not comply.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (CA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX  XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX Balance {$730.00}.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Around the end of XX/XX/XXXX I went on to the kohl 's credit card mobile website to change my bank account information. The only place I could see to do this was under " payments. '' I added my new bank information and deleted the previous bank account. Nowhere on the website did it notify me that if I was using the autopay feature that I would have to change the bank information in a different part of the website for the autopay to use my new bank information. The autopay charged my old account on XX/XX/XXXX. Because I wasn't expecting money to be taken from that account, I had nothing in it to cover the payment. I was then charged an overdraft fee of {$35.00} from my bank. When I saw this I called the kohl 's credit card phone number and spoke to XXXX. I explained the situation to her, and though she acted like she understood, she also rudely stated that most customers know to go in under autopay and change the bank information there as well. Apparently the " payments '' feature was for one time payments only. When I first signed up with autopay all I did was click a button to turn it on and it automatically populated the bank information from the payments section. I tried to ask why it didn't automatically do that again when changing bank information but she didn't have an answer. She tried to help me change the information under autopay but on my end there was nothing to change. She then had me get on a desktop computer to try. I didn't have the password to my kohl 's credit account saved on that computer so it locked me out even after creating a new password. Herself and two others tried to unlock my account but were unsuccessful. I was told to call back another time to try again. At that point I had already been on the phone for 30 minutes and in the end there was no resolution. I believe this to be unfair billing practices and intend to pursue this to the highest level I have to. There needs to be a warning that changing bank information on the payments tab does not change it for autopay. In addition, the mobile site needs updating as it clearly can not show important information.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX Balance {$730.00}.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (FL)

Under the current 25 years of payment of a federal student loan, where all dates between the start of payments through current date are now counted, I have no idea how close i am to the 25 years until the loans are wiped out. Am I 10 years away? Am I 15 years away? None of these student loan servicers have any clue how to calculate that end date or inform a consumer of how many more years are owed. This is VIABLE information that a consumer should have - a type of countdown to let me know and plan for future. I want ot know, given the 15 years that I have been paying on student loans, given certain forbearances, grace periods etc in my payment history, how many more years do i have until that magic 25 years wipes out my ever growing student loan debt. In the time that my servicer, Nelnet took to figure out my new program payment under the REPAY program, my loans amassed $ XXXX to the already $ XXXX that I owe in student loans ( it DID NOT START OUT WITH $ XXXX debt- but has grown due to interest tacked onto my loan ). I want a clear expected date provided to me with a response from NELNET. In addition, a consumer is UNABLE to even address issues with Nelnet at this time as the company shut down its email portal and the phone lines are perpetually busy with hours long wait times.
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (VA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Balance Owed : {$310.00} DPT EDXXXX XXXX Balance Owed : {$4200.00} DPT EDXXXX XXXX Balance Owed : {$6300.00} DPT EDXXXX XXXX Balance Owed : {$3200.00} DPT EDXXXX XXXX Balance Owed : {$3500.00} DPT EDXXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX  XXXXXXXX XXXX Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$7600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXX XXXX Creditor : XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$90.00} XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-02
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. (TN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, We are writing to dispute the following accounts that have been reported on our credit report. We believe that these accounts violate the following laws : XXXX. Fair Credit Reporting Act ( FCRA ) XXXX. Fair Debt Collection Practices Act ( FDCPA ) XXXX. Fair and Accurate Credit Transactions Act ( FACTACT ) XXXX. Truth in Lending Act ( TILA ) XXXX. Real Estate Settlement Procedures Act ( RESPA ) XXXX. Equal Credit Opportunity Act ( ECOA ) XXXX. Fair Credit Billing Act ( FCBA ) The following accounts have been reported on our credit report, and we believe that they are in violation of the above-mentioned laws : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account We request that you investigate these accounts and provide us with a written explanation of the results of the investigation. We also request that you remove any inaccurate, incomplete, or unverifiable information from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (PA)

I am promised accuracy on my consumer credit report by federal law. Experian continues to report inaccurate and fraudulent information on my consumer credit report the following account are not accurate XXXX XXXX XXXX LATE PAYMENT Balance {$1000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$4900.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$5900.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$1300.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$7600.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$3200.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$1800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$2500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$2300.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$570.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$1300.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Im filing this complaint as another attempt to have these errors corrected on my consumer reports under 15 USC 1681. All verified information must be promptly removed as you can see in your system you can not verify these accounts so Im requesting you remove it