davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting 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 2023-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : XXXX XXXX XXXX XXXX above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. Information on the consumer report must maintain Maximum Possible Accuracy. Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The details of the accounts are inaccurate they are not exact in details and amounts. ( XXXX XXXX Equifax XXXX you shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!! ( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. DELETE THESE INACCURATE & INCOMPLETE!! ACCOUNTS FROM MY CONSUMER FILE Yours Truly XXXX XXXX
Consumer complaint received 2024-01-30
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: EQUIFAX, INC. (TX)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-05-26
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. (NJ)

I submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached 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.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-05-26
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. (TX)

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

XXXX : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-03
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. (NY)

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


XXXX XXXX XXXX XXXX- Has violated my rights XXXX XXXX - {$3400.00} - Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX - Has violated my rights XXXX XXXX XX/XX/XXXX- Has violated my rights XXXX XX/XX/XXXX- Has violated my rights XXXX XX/XX/XXXX- Has violated my rights XXXX XXXX XXXXXX/XX/XXXX - Has violated my rights XXXX XXXX XXXX XX/XX/XXXX - Has violated my ri

ghts 1 5 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 2023-02-09
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Dear TransUnion I notice that theres information thats on my consumer report that is a result of identity theft. I didnt not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
Please be advised that my request to block isnt being made in error ; not is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transitions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your diligent assistance and immediate response. 

I DO NOT CONSENT TO E-OSCAR VERIFICATION!! 
** Reminder its against the law to use the furnisher to verify any information. 15usc 1692 FDCPA ). You must conduct a personal interview. 
Thank you! 

XXXX XXXX
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/23 wire fraud occurred with our checking account. We immediately notified Wells Fargo this was fraud and to stop the wires. Notification took place via the phone as well as in the local branch in XXXX, Iowa. Wells Fargo took no action and proceeded to allow the wires to occur and funds to be withdrawn from our account. 

We have asked Wells Fargo to provide information regarding the notification, multi-factor authentication and any other notification that was give to us indicating we authorized these funds to be withdrawn. No information has been provided by Wells Fargo and we have been unable to speak with a representative of Wells Fargo even though we have attempted to contact a representative on multiple occasions. 

We need information showing authorization by us of funds to be withdrawn from our checking account. We ask that Wells Fargo provide this information in addition to speaking with us regarding the transactions.
Consumer complaint received 2023-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

Submitted my PSFL form and was notified on XX/XX/XXXX that my Federal Unsubsidized loans have met the XXXX loan repayment. No further action has been taken on my account to move this loan and show it as forgiven with a XXXX balance and have it show a XXXX balance on my credit report.
Consumer complaint received 2023-02-27
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. (VA)

My debt for Federal financial aid has been paid as of XXXX XXXX, 2022. 
My credit continues to suffer and I am unable to qualify for a mortgage due to wrong information. 


XXXX was the servicing company that has confirmed the completion of the loan payment. However the loan is still present on all THREE reporting credit bureaus,
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

First, this matter has already been resolved, but I am concerned that something similar might repeat. I respect American Express and I want to ensure that appropriate channels are aware of potential problems in certain areas of the company. I believe that going through the CFPB is the surest way of contacting the most reliable people in American Express who truly have the companys best interests at heart. 

Today ( XX/XX/2023 ) I became aware through a random advertisement that my XXXX XXXX XXXX XXXX might carry an annual fee. I then used the AmEx app to determine whether there was an annual fee. I could not locate the appropriate information, but I saw that there was a chat feature in the app. I then asked for confirmation about whether my card carried a fee. However, because I was still uncertain about their answer ( they did not seem to completely understand me ), I requested a copy of the original card terms. The person refused to share the terms with me after I asked twice. It was then only after I mentioned a potential violation of federal regulations that they provided a link to a PDF with the cards terms. Even though the PDF was not the terms for my specific situation, I assume it was close enough. I was astonished by the refusal to provide the credit cards terms upon a reasonable request.
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

my credit limit for capital one card is XXXX now is almost XXXX, i haven't be available to pay cause the pandemia .they have been charging me late fees and reporting missing payments to my credit report.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I called Experian credit reporting agency on XX/XX/2023 because I had disputed some items on my report and the dispute came as accurate they reported it back as the creditors reported as being accurate so when I try to dispute the items again they stated that I can't dispute them again without documentation so I ask did the creditors provide documentation to prove the debt was accurate I was told from an Experian representative that a creditor ( DOES NOT ). have to provide documentation that the only thing they need to say that it's accurate so my question to them was me as a consumer needs to provide documentation as to why the debt collection is not valid but the creditor does not need to provide documentation the representative reply with yes. I also informed the representative that I was recording the call as well she said OK and I understand I asked her several times was the debt validated she said no because they do not need to provide documentation as a creditor. I asked for the debt to be removed since it was a total of 3 collections she said I need to call those creditors and ask them to have it removed even though they never proved it as being accurate.
Consumer complaint received 2023-03-06
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. (TX)

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

XXXX XXXX  XXXX : XXXX, XXXX XXXXXXXX TX : XXXX, XXXX XXXX ( XXXX ) : XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX IN : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting 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 2023-02-09
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. (FL)

The unverified items 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

I am enrolled in the XXXX XXXX XXXX XXXX program. For the past XXXX years I have been certifying my employment, annually, with my qualifying employer. As required by the XXXX program, I have now completed over XXXX months of work at my qualifying organization. My loan servicer, Mohela, has verified XXXX of those payments. 

Now that I have literally only XXXX payments for them to verify, Mohela claims that it will take them well into the summer to verify these payments. I find this completely unacceptable, especially as Ive been diligently verifying these payments over the past XXXX years, being told each year that doing so would help my loan servicer process everything faster at the end. 

Whats worse, because of the XXXX law, I have to stay employed at a qualifying organization not just while making the XXXX payments, but also until those payments are reviewed and forgiven. I am therefore completely at XXXX whim until they decide to review and process these XXXX simple payments, which as they claim could take well into the end of summer. 

This timeline is ridiculous ; Mohela is putting my life, and the lives of thousands of others engaged in this process, in complete limbo, XXXX and waiting, hoping, for them to speed things along.