davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (CA)

I have been disputing this account for a long time already but despite all my efforts to correct my Credit File, the Credit Reporting Agencies never took action to verify the authenticity of the information this account reports. I have a loan with XXXX XXXX XXXX with Balance Owed : {$72.00}. I have been a good payer with this company and I never missed a payment, but upon reviewing my Credit Report, the Credit Bureaus have been reporting this account as late. There is probably an error with the Credit Bureaus ' part. The 3 credit bureaus must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.
Consumer complaint received 2022-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NM)

Fed Loan Servicing has refused to remove the forbearance from my student loan so I could be earning more months toward my PSFL credit. I contacted them by phone after the President announced that student loan payments would be put on hold, and during the time the payments were on hold credit would given toward my Public Service Loan Forgiveness plan. They said that there was nothing they could do and that I was required to stay in forbearance until Ive exhausted all the forbearance time and that I would then not be eligible for getting credit for the months I was in forbearance. I gave up trying to reason with them and I am still in forbearance not earning any time credit towards my PSLF program.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX of 2019 I signed up for a " free '' credit report from TransUnion, without requesting any additional services. Since then I have been charged almost {$25.00} a month for " monitoring '', every month, without receiving any notifications, receipts, invoices, etc. There is also no way to terminate this subscription online : one has to call them on the phone, wait on hold, give personal information ( e.g. SSN ), and have the account canceled. TransUnion is clearly trying to avoid this charge being noticed, and obfuscating the fact that you " sign-up '' for this when you request a free credit report.
Consumer complaint received 2018-04-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When I reviweing my statement I found 4 transactions I did not made them.

XX/XX/2018 XXXX *XXXX   XXXX XX/XX/2018 XXXX *XXXX  XXXX   XX/XX/2018 XXXX *XXXX XXXX   XX/XX/2018 XXXX *XXXX XXXX XXXX I filed a claim to Bank of America on XX/XX/2018 by phone at XXXX XXXX They told me that they will remove those transactions from my account They removed it but after about 2 days I found them again in my account And I received a letter from bank of america that they finished the investigation and I have to pay that amount NO one from bank of america called me or asked me what happend I did not made this transactions and I should be not liable for fraud transactions
Consumer complaint received 2023-04-10
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: Exeter Finance, LLC. (IN)

on XX/XX/2023 I applied online for XXXX XXXX auto loan for a pre-approval this was disclosed to me that it was a " soft inquiry '' but it was not XXXX sent me a notice of a hard inquiry it clearly states on the website they would not pull a Hard Copy but it was done and has lowered my credit score a called to get removed but nothing but a run around for over 45 mins
Consumer complaint received 2020-07-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (OK)

SOMEONE HAD MY CARD INFO AND HAS BEEN USING IT IT BUY FOOD AND RIDES AND GET HOTELS AND AND TRANSFER MONET TO THIERT ACCOUNT. WHEN I NOTICED IT I CALLED CUSTOMER SERVICE AND SHE SAID I CANT DO ANTHING TILL ITS CLEARED AND SHE RESISSUED A CARDF AGAIN. 
A GUY NAME XXXX XXXX IS THE ONE THST  HAD MY CARD INFO AND RACKING UP THE MONEY THAT I NEED TO CATCH UP ON BILLS SO PLEASE HELP ME WI TH THIS THIS GUY NEEDS TO BE STOPPED
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne put a restriction on my account claiming they can't verify my identy which they requested me to send in my government issued ID which I did XXXX XX/XX/2020 XXXX. Not only did they not update my information on my account, they refused to remove the restriction, hold my promised reward and closed my account. I sent to them my ID for verification the second time ( XX/XX/2020 ) and never got any notification from them working on my case. I demand that they re-activate my account and gave me my deserving reward of more than {$170.00}.
Consumer complaint received 2018-12-13
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. (AZ)

I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX XXXX, the account is also reported duplicate. The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
Consumer complaint received 2020-07-26
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI (NJ)

XXXX XXXX XXXX XXXX  ( XXXX  ) forced XXXX  to Resign prior to taking certain classes. XXXX then proceeded to demand payment for those courses they restricted XXXX from taking. 
XXXX  entered into an Enrollment Agreement ( Exhibit A ) to pursue training in XXXX XXXX  XXXX at the ( XXXX ). XXXX  's courses were to be taken at the XXXX  Branch Campus in NJ. The Enrollment Agreement is signed by XXXX XX/XX/XXXX and is attached as Exhibit A. 
XXXX 's first course ( XXXX XXXX  XXXX ), he was given a failing grade because of his final exam grade of XXXX. His overall grade for the course was XXXX. 
On XX/XX/XXXX, XXXX was place on academic probation ( Exhibit B ). He was told that he must score a passing grade of XXXX on all subsequent courses. 
XXXX  's next course ( XXXX  ) he did receive a Final Exam grade of XXXX and an overall grade of XXXX ( Exhibit C ). 
On XX/XX/XXXX XXXX  was pulled out of his third course and forced to resign despite satisfying the requirements of the academic probation ( Exhibit D ). It should be noted that up to that date, XXXX  had a perfect attendance record and had overall scores of no less than XXXX On XX/XX/XXXX XXXX  received a collection notice alleging a balance outstanding of {$4500.00} ( Exhibit D ). This amount represents those course ( s ) those courses that he was not allowed to take. They were NOT the courses that he took and allegedly failed. Those courses that he completed were paid for by grants and loans ; those loans XXXX will be paying XXXX XXXX directly ( and possibly other loan sources ). According to their own paperwork, this will be {$6000.00}. 
XXXX  is not denying the obligation to pay back the {$6000.00} to creditors for the courses he did take. 
XXXX wants to collect on courses they prevented XXXX from taking. The {$4500.00} XXXX   alleges is owed is denied and constitutes an attempt at Unjust Enrichment by XXXX.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

XXXX XX/XX/XXXX I gave up on Wells Fargo, because I can not continue to address the FRAUD on my credit card that occured in XXXX, Washington and was reported to Wells Fargo immediately in XX/XX/XXXX. I requested a Wells Fargo letter head in response to who is the goverment agencey lawsuit / settlement that is incharge of settling the illegal accounts that were opened under my name without my knowledge or consent. Also, the services that I did not authorize in California ( XXXX XXXX XXXX at the XXXX XXXX XXXX, Whomever the person was on the other phone line did not help me once again. As I have addressed with Wells Fargo, I have a Police Report in XXXX, Washington which has the names of the person who claims my identity. There is a workman 's Comp physician and workman 's who has legal patient and client documents. The state of Arizona has also notified me that a call came out of XXXX XXXX XXXX claiming my PUA unemployment and my identity. 

I do not answer questions over the phone to unknown people as I have reported to Wells Fargo Executive Office. Phone requests from prison are more than enough to receive! 
Why would I devulge my personal information to a stranger or strangers claiming to be from Wells Fargo? I b When I had to drive to a Wells Fargo bank in XXXX, AZ where my accounts were purged against my knowlege and requested the phone number to call to GET what the courts awarded and settled in the lawsuit with other victims, no one responded as usual to assist my ongoing attemps I sent an email to the accountable person that the XXXX XXXX manager presented and no response. 

This woman did not answer my legal questions to assist me to END this horrible nightmare and continued the ongoing fight to obtain what others have received in the lawsuit. She stated, '' She doesn't have any idea what I'm talking about. Continual lies from Wells Fargo evading customers year after year. 

I WANT THE RESPONSIBLE PARTY TO SEND MY LAWSUIT CHECK to my address as provided to Wells Fargo on numerous occassions. I want to rid and end Wells Fargo in my life!! 

Sincerely, XXXX XXXX.
Consumer complaint received 2021-06-10
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. (PA)

During the months of XXXX and XX/XX/2021, I requested Experian to investigate a collection account XXXX XXXX XXXX XXXX XXXX  which recently appeared on my credit report. In my letter of XX/XX/2021, I explained that I was exercising my rights under FCRA ( Section 609 ( to request information about this account including any contracts bearing my signature. I asked them to remove the account, as required by law, if they were unable to validate it. 

In both disputes, Experian did not provide me with any information ( sources ) that they used to confirm the validity of the account. Experian did not properly investigate my dispute. They did not provide me with the source of their information, nothing to help me research this account with XXXX XXXX XXXX. 

On XX/XX/2021, Experian notified me through their website that the company XXXX XXXX XXXX XXXX ) reported that the information was accurate. How can the entity that is tasked with investigating disputes ignore my rights as a consumer, my requests for their source of information and instead dismiss the dispute because the furnisher stated it was valid? 

Experian has not provided me with any information that verifies the account. The account they are reporting is unknown.
Consumer complaint received 2018-12-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (IA)

I filed a dispute for {$270.00} on my prepaid card in XXXX they returned my money in XXXX and now the money is deducted again. I called American Express and they said dispute in favor of the merchant. My SS check will be deposited on XX/XX/XXXX I do not have money to pay my bills. I did not make this charge I tried to file another dispute they would not do it.
Consumer complaint received 2020-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. 

Please validate this information with XXXX XXXX  and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The date of the infraction was XXXX XXXX, I have file many disputes asking for validation of this account # XXXX from XXXX XXXXXXXX XXXX XXXXXXXX. Pursuant to XXXX XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from your credit report. Consumers have a right under the FCRA to challenge information in their file that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. I am asking for proof of a contract with my signature that shows I have a legal binding contract with XXXX XXXXXXXX XXXX XXXXXXXX. I have also file a dispute with FTC in this matter.
Consumer complaint received 2018-03-09
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. (NY)

these addresses is not my address please removed from my credit report XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

On XX/XX/2022 I received the crediting reporting agencies investigation letters. The CRA 's still have yet to correct the inaccuracies on my consumer credit report. I have attached the last letter to try to resolve this matter out of court. If the CRA 's do not resolve this matter within the next 14 days I will be forced to enforce my foreign judgment XXXX.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2022 I received the crediting reporting agencies investigation letters. The CRA 's still have yet to correct the inaccuracies on my consumer credit report. I have attached the last letter to try to resolve this matter out of court. If the CRA 's do not resolve this matter within the next 14 days I will be forced to enforce my foreign judgment XXXX.
Consumer complaint received 2023-04-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (AZ)

I have been receiving multiple calls from these debt collectors from an alleged debt, i demand a copy of my consumer file and consumer report. in pursuant to 15 usc 1692c ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 

the times in which they call me are inconvenient and they have caused mental distress to me and it interrupts the business i am operating. In pursuant to 15 usc 1692c ( c ) i am ceast and desisting all ilegal activity and means of communication and that also includes that on my consumer report, my consumer report is being used as a means of communication to attempt to COLLECT this alleged debt. i demand a deletion from my consumer report and for them to provide the tax forms thy must file with a charged off account.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 Account # 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 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2024-03-05
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. (FL)

I have been trying to purchase a home to sustain a life for my children and myself. I've checked my credit report and realized that there is damage information on my credit report. I have tried numerous times to get assistance on this matter. According to the 15 U.S.C law 1681 there should not be any damaging information on my report as it is a deformation of my character. I have also filed a report with the FTC regarding these fraudulent accounts.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have new information regarding an open complaint CFPB COMPLAINT # XXXX and XXXX. 
I received a letter today from XXXX XXXX that is reporting negatively on my consumer report. According to this letter the company sent Experian a letter on XXXX letting them know that I have handled this account and asked them to remove it. Experian still have this company reporting negatively on my consumer report willingly and knowingly. Experian is in violation of 15 usc 1681.