davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

My student government loans that were originally given to me were sold to nelnet and another student loan company. Not being able to find a job and repay them they had placed my accounts on forbearance for years! Upon finally finding a job I created an IDR plan through great lakes and my original loan seems to grow overtime. I have not been able to pay it down or be rid of the debt since 2011.
Consumer complaint received 2024-03-13
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. (IL)

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, Equifax, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX XXXX XXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX XXXX XXXXXXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX XXXX XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, Equifax, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that XXXX XXXX XXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship. 

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7.

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by XXXX XXXX XXXX XXXX do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX XXXX XXXX XXXX internal policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Consumer complaint received 2021-03-11
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: JPMORGAN CHASE & CO. (NC)

I was driving to XXXX in XXXX NC. I received a phone call while driving. I didn't recognize the phone number, but it look important. The phone # was XXXX XXXX. I answered it and the person identified themselves as Federal Agent XXXX XXXX, number XXXX. 



He said my Social Security was being used for laundering drug money and if I don't help the FBI, I will be arrested for working with the illegal drug organization. I told XXXX that I would help them. XXXX instructed me to take my money out of my Bank ( which is XXXX XXXX XXXX and buy Target Gift certificates. By doing this I would be safe guarding my money. I was instructed to go to the XXXX XXXX and buy 10 XXXX  gift Certificates, which was a 2 minutes from were I was. I told them that my bank was past the XXXX and I didn't have any cash on me. XXXX said to use my credit card, then get your bank money. I went into XXXX. CVS only allow me to buy 4 XXXX Gift  Certificates at {$500.00} each. I used my Credit Card, but my Credit Card Company refuse to accept the purchase. I then used my Bank Debt Card, but my Bank also refuse to accept the purchase. I had my wife 's Credit Card and used it. Her Credit Card Company accepted the purchase. Then the " FBI Agent '' then told me to go the XXXX XXXX supermarket. They only allowed me to buy one XXXX Gift card. Then the " FBI Agent '' then told me to go to Target and buy 10 XXXX  Gift Cards. When I drove to XXXX  and asked the employee at the door where the gift cards were. He told me it was a scam and hang up on the people. That's when I went back to XXXX XXXX and interestingly I did by a Target Gift card from them, but took the wrong gift card from the pile. I then called XXXX and told them to block the credit card purchase. They refused to do it. Then I called my wife to notify her Credit Card Company of the scam. Her Credit Card Company closed the credit card. I thought that was the end of it. Two weeks later my wife 's Credit Card Company said what happened wasn't consider fruad and re-charged my wife 's Credit Card for the {$2000.00}. I believe, number 1 - XXXX should not have allowed the sale, and number 2 - My wife 's Credit Card Company should not have allowed the purchase. In short, XXXX and my wife 's credit card company did not demonstrate any type of Consumer Protection that My Credit Card Company and my bank provided me. What can I do to have the {$2000.00} taken off my wife 's statement?
Consumer complaint received 2019-11-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX date of birth : XXXX My credit report is showing accounts I can not get resolved because when I search address to creditors it says fraud or address does not exist. Can you please help assist me? I do not know how to correct my credit report if creditors can not be tracked down. 

I need the original owners/bill collectors address of my bills so I can pay my bill. I dont even know if these are my bills and I keep asking for help my going through XXXX XXXX and have submitted paperwork to all three credit reporting agencies in the past. I have no clue who the bills originally were billed from and I do not know if these creditors are real. I want all bills mailed to my home address so I can approach paying my bill to the original bill collector. 

XXXX XXXX XXXX XXXX XXXX, XXXX , WI XXXX. Acct : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, OH XXXX Acct:XXXX, XXXX, XXXX, XXXX Commonwealth Financial XXXX XXXX XXXX XXXX, XXXX PA XXXX and XXXX XXXX XXXX XXXX, XXXX PA XXXX. Acct : XXXX
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I hereby formally request the removal of this erroneous entry from my credit report. I did not authorize its establishment or utilization. Enclosed are the necessary documents to support my claim. 

I urge you to swiftly rectify this inconsistency on my credit report. I assert that this entry is not associated with me and have strong suspicions of its fraudulent nature.
Consumer complaint received 2023-06-29
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-19
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. (AL)

In accordance with fair credit reporting act.the list of accounts below has violated my federally protected consum

er rights to privacy and confidentiality under 15 USC 1681. List the ac
count name here with the account # ( do not list over 5 accounts and 6 inquires ) -Ex XXXX XXXX # Accounts #

has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2024-03-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (AR)

Serve Prepaid Card by Amex Federal Refund : XXXX XX/XX/XXXX State Refund : XXXX XX/XX/XXXX Monthly Fee : XXXX XX/XX/XXXX I received my temporary card in the mail and was able to use it. Then I lost the card and reported it lost/stolen around that time ( XX/XX/XXXX ). Since then I have been calling every week and sometimes more than once a week. They told me I could do a cash pickup through the app at XXXX but that did not work. They keep telling me they shipped a card out but it never comes. They have told me it was an address confirmation. I sent them an email with XXXX forms of mail showing my address. They told me I had to give them my temporary card number to verify my account. I searched for the card everywhere and found it. I gave them my temporary card number, and now they say it will take XXXX  days to verify my information.
Consumer complaint received 2022-11-07
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. (IL)

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 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 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/2022, I went to pick up food from XXXX. I had to return the food because of a wrong order and did not have time to get something else. The manager XXXX @ XXXX was to cancel the order and refund my money within 2 days. It has now been 4 days and still no refund. I tried to call 5/3 Bank and stayed on hold for over a hour and I also called and left my phone number to get a call back from 5/3 Bank to dispute but I am unable to get a call through to them or call back to dispute this transaction. I believe the total was just over {$15.00}. I can NEVER get through to the customer service # for 5/3 Bank. When I attempt to go inside the bank. They inform me that are unable to help. I have never seen a bank so unprofessional in my life. Please help.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have attempted to have TransUnion, twice in the past, remove a XXXX account ( # XXXX ) that belongs to my dead father in the case of a mixed file. The XXXX most recent letters are attached. I just got off the phone once again and was told they were powerless to remove accounts even if the account did not belong to me even though TransUnion only needs to pick up the phone and call XXXX to confirm it is my dead father 's account and that he died back in XX/XX/2021.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Byrider Franchising, LLC (MD)

I've contacted All 3 credit agencies in regard to these hard inquiries on my credit report. These are all unauthorized. I've called many times and every time I'm not getting the assistance that I need. I make a request to speak to a supervisor and the representative always disconnect the line. Can someone please assist me? I don't know about either of these inquiries. Also, the company that I'm referring to XXXX.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I've contacted All 3 credit agencies in regard to these hard inquiries on my credit report. These are all unauthorized. I've called many times and every time I'm not getting the assistance that I need. I make a request to speak to a supervisor and the representative always disconnect the line. Can someone please assist me? I don't know about either of these inquiries. Also, the company that I'm referring to XXXX.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (MD)

IT Was brought to my attention that SOUTHWEST CREDIT SYSTE reported an alleged debt of {$540.00} dollars. When i ask them for proper verification they fail to provide mandated documents. original copies of my signature, amongst other specified documents. Then continued to report inaccurate information to consumer reporting agencies. Violating both federal and state laws.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've made several attempts to fix this issue I started XXXX XXXX and attempted again XXXX XXXX I also requested for them to send me verification of their investigation and a credit report.
Consumer complaint received 2022-03-23
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. (CA)

Im accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX Dept of Ed/XXXX XXXX XXXX XXXXXXXX Dept of Ed/XXXX XXXX XXXX XXXXXXXX Dept of Ed/XXXX XXXX XXXX XXXXXXXX Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX SXXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account 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
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? A few of the mentioned accounts contain inaccuracies, causing me distress.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I had an undelivered item ( a heater ) purchased for {$87.00} form XXXX which was marked as delivered - " left on the porch. '' We have a special hub for deliveries and I live on the third floor. The item was not delivered to my door or placed inside the hub. I did not receive the item, yet XXXX failed to issue a refund as I called their customer service multiple times. 

I disputed the charges with Capital One, and they assigned temporary credits. Months later the credits were reversed. I called again. Capitol One assigned the credits yet again. The second reversal fell off about a month later. 

I called the third ( could be the fourth ) time, Capitol One representative assured me they will take care of this. Nope, the assigned credits were reversed and they sent me an email stating the claim has been denied as I already submitted a claim for this transaction. Yes, 3-4 times, and you wasted hours of my time by accomplishing nothing. 

They don't have customer 's interests when it comes to disputes. I feel scammed by both XXXX and Capital One. 
Re : Claim # XXXX for account ending in XXXX
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

RE : XXXX XXXX XXXX XXXX* I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX** section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher of that information. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Delete any other address listed on my credit report other than XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

I appreciate your prompt attention to this matter, and await your response. 

Sincerely, XXXX XXXX XXXX included with Victim of Identity Theft/fraud letter mailed to the credit bureau Copy of Police Identity Theft Report Proof of identity : copy of drivers license XXXX XXXX XXXXy XXXX partial credit account number
Consumer complaint received 2024-03-07
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. (WV)

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT & MY DISPUTE LETTERS I HAVE SENT THAT THEY IGNORED TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX. 
I have disputed these fraudelent credit inquiries multiple times Equifax blatantly ignored my multiple dispute letters asking them to investigate and remove these inquiries. This is a violation of my rights under the Fair Credit Reporting Act, 15 U.S. Code 1679c.
Consumer complaint received 2023-10-20
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX