davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Some people have used my information for government benefits, It had a negative impact on my report. 
XXXX XXXX Balance : {$560.00} XXXX XXXX  Bankruptcy Discharged XXXX
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XX/XX/2022 UNIFY FINANCIAL FCU XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX CARD XX/XX/2022
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2024-02-14
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Kikoff Inc. (WA)

XX/XX/XXXX, emailed Kickoff, requested my rent payments from when I signed up be reported as they are not due until the XXXX of the month. I have attached the starting months that were reported and have not been reported since XX/XX/year>. I am missing the rental reports that are due to the XXXX credit outlets that are suppose to help your credit. As you can see I have not received an in good standing to any of the creditors bureaus since XXXX. I asked why and they stated I needed to pay the {$50.00} for back rent report. This is not a back rent report this should have be reported the day after I signed up and paid the fees. Starting XX/XX/year>. I am now in a contract that I pay {$20.00} a month for XXXX  months which then they release the funds as credit. I signed up to increase my XXXX XXXX by paying rent. If I cancel this will lower my 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 — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

In Accordance with the fair credit reporting XXXX XXXX XXXX XXXX Collection account has violated my rights.

15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC. (VA)

Problem description : When I logged on to Halsted Financial 's website today ( XX/XX/XXXX ) to follow up on an alleged {$140.00} medical debt from XX/XX/XXXX that I disputed, I was greeted with a screen that had holiday like photos and the slogan " Tis the season for savings '' - and on another screen I was told my account has been approved for 55 % off! And if I made a One time payment of {$64.00} I would receive a savings of {$78.00}. While I disputed the debt and the company had failed to provide the verification the debt was real, my time is more valuable than fighting them -- and I'm in the middle of a refinance of my home so I did not want to risk a dispute over a small amount that could jeapardize tens of thousands of dollars of savings over the life of my home loan. I elected to make the full " one time payment '' of {$64.00} to get their offered savings. But instead of receiving the promised " savings '' of {$78.00}, the company ( in response to an email requesting receipt showing XXXX balance ) emailed me a new bill saying i had indeed authorized a {$64.00} payment - but also listing that the " amount remaining '' on what they now called a " compromise offer '' was {$64.00}. They baited me with " savings '' to get a little money ( i problably should not have paid to begin with as they failed to verify the debt ) and then bait and switched me -- and demanded more money. This is false and deceptive advertising to promise {$78.00} in savings and then to not honor that. I documented the promised " savings '' in photos before i paid because I did not trust them ( and can provide ). I have the written bill they sent in an email, in response to my request for a XXXX  balance / debt release to substantiate everything I'm writing here. I'm sorry to say they have proven truly deceptive and i'm very worried they'll do something to harm my credit wrongfully. I also informed them prior in writing neither their firm Halsted Financial nor their client XXXX XXXX XXXX ( that they said in writing they were acting on behalf of ) had provided properly and as requested : 1 ) A detailed breakdown of what the charges are actually for 2 ) The original creditor account number ( only offering four numbers ). 3 ) The address of the original creditor. Having offered 55 % " savings '' and not honored the savings- I feel it is fraud. They also failed to provide notices to me the fair debt collection practices act appears to require, and have failed to so far provide the address of the original creditor or a statement from that original creditor describing what the bill is actually for. I therefore assume the debt is not valid at all and they are just doing all they can to use the threat of a collection agency to wrangle as much money as they can from me.
Consumer complaint received 2021-01-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

In the month of XXXX, make 02 transfers to the United States from XXXX for the purchase of an agricultural tractor. On XX/XX/XXXX, make the 1st transfer in the amount of {$12000.00} US dollars and on XX/XX/XXXX, the amount of {$8000.00} US dollars directed to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located in the state of Iowa ; However, the company never sent the tractor to XXXX, it was a scam and we immediately contacted our bank in XXXX to inform the CHASE BANK bank and my bank in XXXX requested a refund of funds on XX/XX/XXXX, sending all the necessary evidence and the format where we fill in the beneficiary information, account number and reason for the transaction ; However, CHASE BANK never proceeded with the return of funds, despite being told by my Peruvian bank that the account number does not coincide with the beneficiary indicated by the client, in this case my person. CHASE BANK only notified the beneficiary to authorize the return of funds and the beneficiary was only alerted and closed his account by withdrawing all the money on XX/XX/XXXX. The CHASE BANK at least had to withhold the money until they finish investigating and validating the tests, being they complicit in making the scam happen. The fraud number that the CHASE BANK gives us is the following : Fraud # XXXX & XXXX. We have called the bank many times but unfortunately they could never attend us because we did not have the social security number or account number in the CHASE BANK
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (AZ)

On XX/XX/XXXX I opened a new BMO Smart Advantage Account with an opening deposit of {$25.00} and used promotional code for $ XXXX {$600.00} opening bonus as long as I received $ XXXX in direct deposits within 120 days of opening the account. I met that requirement within 35 days. 

Yesterday ( XX/XX/XXXX ) I logged into the app and the account was there. On the XXXX of this month ( XX/XX/XXXX ) I received my semi-monthly work direct deposit. Today ( XX/XX/XXXX ), a day before the XXXX day, the account was closed and when I called I was told they do not know why but it was purged! 

I did receive an email statement this morning today ( XX/XX/XXXX ) for this checking account. 

BMO closed my account without reason a day before ( XX/XX/XXXX ) the XXXX day ( XX/XX/XXXX ) when I was supposed to receive it.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

My loans were transferred from Great Lakes to Nelnet. Every time I attempt to login to Nelnet 's website with the password I created with my account, I receive the following error message : " Incorrect Username or Password, Double-check your log in information and try again. Or : Get help logging in, Create an online account if you have loans that were transferred to us or if you've never logged in to our website before. After three failed attempts, we'll disable account access for 30 minutes. '' This is the third time this has happened, with the first two being XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried resetting the password twice and received the same error message after receiving emails " confirming your recent password change ''. I tried logging in on 3 different browsers ( XXXX, XXXX, XXXX ) to no avail. I need to access my 1098-e to file my taxes.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from XXXX another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUN LOAN COMPANY INC. (TX)

I don't really accept that I had this record with these gatherers/leasers. I attempted a couple of times to get in contact with them and solicitation possession confirmation, yet they neglected to give me the significant administrative work to demonstrate that I really own this record.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I recently obtained a credit report and discovered that the three credit reporting agencies, Experian, XXXX, and XXXX, are all erroneously reporting my information. 

My date of birth, Name, Address, as well as my employment are all being reported incorrectly. 

Account # XXXX from XXXX XXXX XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to Experian, XXXX, and XXXX. 

Account # XXXX from XXXX  XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to Experian, XXXX, and XXXX.
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc. (DE)

On XX/XX/XXXX, XXXX XXXX XXXX Regional Manager at XXXX XXXX wrote me in response to my inquiry about the {$280.00} NCAC Debt Collections : That she couldn't see where XXXX XXXX ever sent my account to Collections ; and, did not see any judgment entered against me. 
I made the inquiry to XXXX XXXX because XXXX XXXX, XXXX XXXX told me about the debt being an obstacle as far as my name being added as Lease Holder at XXXX XXXX XXXX, XXXX, XXXX, Delaware XXXX. 
No one at XXXX XXXX, XXXX XXXX and NCAC COLLECTIONS has contacted me about the alleged debt before I emailed them after hearing about this alleged debt from XXXX XXXX. I have not received any written communications by U.S. MAIL from XXXX XXXX or NCAC Collections regarding this debt. 
I received a copy of my XXXX credit report today in the mail and indeed it has been on my report since XXXX. And, it is noted that XXXX XXXX XXXX is last recorded for checking my report. My application for an apartment there in mid XXXX was denied. 
XXXX XXXX, after consult with NCAC XXXX XXXX changed her story. Then referred me back to NCAC. To this date, I've not received any correspondences by U.S. Mail for XXXX XXXX and NCAC Collections. I want to see what documentation they provided to Credit Bureaus to support " Fair Credit Reporting '' other than their ledger. I want to their proof that I was notified in writing by XXXX XXXX XXXX  or certified mail.
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MO)

I have been requesting since XX/XX/2023, for Jefferson Capital System to remove this account from my credit report. I have requested a validation of debt and have been denied. That the information is incorrect. I have advised repeat that these accounts need to be removed. They have constantly denied my request with stating the account has been verified. Please ask them to remove these accounts as they are affecting my ability to obtain funding.
Consumer complaint received 2023-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
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 2023-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (MD)

Caine and Weiner Company , Inc. did not respond to my previous request ( Complaint ID : XXXX ) for a breakdown of the balance details. There are XXXX balances referenced on XXXX of their correspondence letters including a reinstatement amount and an amount due of {$730.00} and {$14000.00}, respectively. This letter is not dated, but drafted by representative of that company, XXXX XXXX, ( XXXX ) XXXX ( attached ). As indicated on my previous correspondence, I attempted to reach XXXX XXXX via phone to no avail. I left at least XXXX voicemail. The company also claims they attempted to reach me, but they did not specify the means by which they claim to have done so ( e.g., email, phone, or witten letter ). Furthermore, no date is specified, nor did they disclose who they claim attempted to reach out to me. You can refer to the company 's response in the aforementioned complaint ID to confirm this.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (UT)

In Accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

My Victoria Secret credit card had a small balance on it and I was unaware of my balance as I was not using the card and I was not receiving any statements at my new address. Then, I was told that the account was closed and a new card was issued to me. My balance which was around {$2.00} is now {$300.00} in the time frame of 5 months. I had updated my new address and telephone number with the company but, this was not done properly and they had my old contact details on file which they were still sending mail to. My due process has been violated and my credit score has been impacted. This is also a violation of the Fair Credit Reporting Act. If I had known that there was a balance, I would have paid it long ago but, I was not informed by the company and my account was going to be sold off to someone else. The credit card number is 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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter in regards to the following accounts which are showing up on my credit report : XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX  XXXX XXXX Charge Off Account, XXXX  XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX  XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account , XXXX XXXX XXXX  XXXX Collection Account, XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account , XXXX XXXX Collection Account, XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX Collection Account, Medical XXXX Collection Account, and Medical XXXX Collection Account. 

I am disputing the accuracy of these accounts on my credit report as I believe they violate several laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Furthermore, I do not recall any outstanding debts associated with the above accounts. Additionally, the addresses listed on some of these accounts are not my current or previous addresses, further raising concerns about the accuracy of these accounts. 

I urge you to investigate these accounts and provide me with a detailed report of your findings. If you are unable to prove the accuracy of these accounts, I request that you remove them from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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
Consumer complaint received 2024-02-14
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. (PA)

XXXX, XXXX I sent a letter to them with no response. 
XXXX, XXXX sent them an email and received a response indicating they would get back to me within 24-48 hours. Nothing received. 
XXXX, XXXX sent them a letter and received a response in XXXX advising they are working on it. As of this date still have not received the requested information. I have tried to call them but I would full time and can not sit on the phone for 3 hours waiting for someone to answer.