davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

Subject : Request for Correction of Erroneous Reporting of Student Loan Accounts under FCRA Provisions Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate credit reporting by Nelnet concerning my student loan accounts. According to my records and supporting documentation, all ten of my student loan accounts were placed under forbearance as of XX/XX/year>. Despite this, each account was erroneously reported as 90 days late during the same period. 

I have already initiated a dispute with Nelnet and provided them with the necessary documentation that confirms the forbearance status of these accounts. Unfortunately, Nelnet has not rectified the inaccurate reporting, and this misinformation continues to be reflected in my credit reports by the major credit bureaus. 

The persistence of this incorrect information is causing significant financial distress, as it erroneously portrays my financial responsibility and hinders my ability to secure credit. This misreporting falsely indicates that I have ten seriously delinquent accounts, which is misleading and damages my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) requires that consumer reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and correct or delete any inaccuracies found.

Section 623 ( 15 U.S.C. 1681s-2 ) obligates furnishers of information, like Nelnet, to provide accurate information to the credit bureaus and to correct any inaccuracies once identified.

Given the clear discrepancies between Nelnets reporting and the documented status of my accounts, I am requesting that the CFPB assist in ensuring these inaccuracies are corrected. Specifically, I ask for Nelnet to cease the incorrect reporting and for the credit bureaus to remove the erroneous entries from my credit report immediately. 

I have attached the relevant documentation that supports my forbearance status during the time in question and am prepared to provide any further information required. 

Thank you for your attention to this matter and for your assistance in upholding the standards set forth by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB (AL)

I signed up to use Klarna and to my surprise was told that i already had an account with them. i have no idea how this came about. so i asked them to investigate this situation and was never given an update until yesterday when the rep told me that it was opened and closed. I was not given any type of update or any other any information. i have no idea where this alleged account come from and this company is not giving me any information about it.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have previously sent my ID and bill showing my ONLY verifiable and accurate address. I also sent my social security card showing my ONLY verifiable name. The bureau still has not made this correction and continues to report inaccurate information.
Consumer complaint received 2021-12-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have filed a dispute in regards XXXX  the incorrect items on my credit report. It has been over 60 days XXXX  I haven't received any investigation results.
Consumer complaint received 2021-07-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I was trying to trade my XXXX at a XXXX dealership and I was told that as of XX/XX/2021 we can only br return to a XXXX dealership. They are not allowing anyone else except the lessee to make the payment. This is something new and is forcing consumers to be channeled only to the car manufacture dealership. Not allowing people to get out of there lease for another manufacture. This has to be ill eagle
Consumer complaint received 2018-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (FL)

I called Ability Recovery Services Llc, on XX/XX/XXXX because I have alerts set up concerning my credit report due to identity theft. I asked to speak with a supervisor and advised them that this isnt a valid debt and please remove this from my records. The supervisor XXXX then asked me to send proof and I did and he said he can have it removed the same day. After spending {$15.00} faxing and printing paperwork for them, I called to see if they received it and they said yes. I asked how long will it take to show as removed and he advised me to call and check at the end of the month because they report once a month. I called today XX/XX/XXXX and asked to speak with a supervisor and I explained my situation and the agent was very rude and stated that supervisors don t  just come to the phone. I called back again and got another agent who hung up on me and said they mailed me an updated bill, and then finally after calling a few times I got a professional agent who got me in touch with XXXX when the other agent stated he was out of the office. I also told XXXX that his agents arent professional and he said he will deal with that and apologized. He also stated that his client hasnt responded back yet and to call in another week. I dont feel I should have to wait this long on a fraudulent account and I never did business with either companies. This company is very unprofessional and they feel as if they dont have to follow the laws. I can say that XXXX was nice, but his whole staff needs to be re trained and they need to remove this fraudulent account immediately because its really affecting my credit.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (TX)

I recieved a call from American express asking me if I had received calls or letters from them, gentleman informed me he would place my call on hold asked for agent I'd,, agent mentioned we are not allowed to hand out, I suspect fraud
Consumer complaint received 2021-01-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital One violated my consumer rights pursuant to 15 USC 1692 j ( a ), " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating ''. Attached it each time the company has contacted me with a bill not stating it was a debt or the collection of a debt. I have contacted the company wit a cease and desist letter.
Consumer complaint received 2020-11-03
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. (TX)

On XX/XX/2020 I pulled my report again and noticed that XXXX XXXX is still reporting on my credit. I have sent multiple disputes in showing why this account isnt mine. Yet they are still reporting on my credit
Consumer complaint received 2019-08-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NM)

Dear CFGYesterday XX/XX/19 at Wells Fargo on XX/XX/XXXX in XX/XX/XXXX NMI tried to cash check for about $XXXXWF refused to cash it, unless I opened an accounteven tho I bank w WF for over 20years, including home mortgage, credit card, personal/business services etcThis seems fraudulent attempt by WF forcing account openingSincerelyXXXX XXXXcell XXXXXXXX
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

A number of major accounts paid XXXX balance which do NOT REFLECT ON OUR CREDIT FILES. THAT IS MINE AND MY WIFE 's. Some of the lenders do not report for 30, 60 or more days. Meanwhile our credit score does NOT REFLECT the correct debt to income,, or paid status on negatives and current loans... paid! According to XXXX my score XXXX although other lenders report 30, to 50 points lower. The entire operation in my opinion a scam.
Consumer complaint received 2021-07-16
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. (FL)

While checking my credit report, I noticed someone used my credit to get medical care or something medical. The following accounts listed below are fraudulent 1. XXXX ( XXXX XXXX XXXX ) {$1900.00} Ive never done business with this company were entered into a signed contract. 
2. XXXX {$540.00} ive never done business with this company were answered into a signed contract. 
3. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$160.00} ive never done business with this company or entered to assign contract. 
4.XXXX  {$1200.00} Ive never done business with this company or entered into a signed contract. 
5. XXXX {$1700.00} Ive never done business with this company or entered into a signed contract. 

Ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX The following inquiries are fraudulent 1.XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Please See Attached FTC Report
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX BANK USA N A ) is claiming that I owe them {$740.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2020 I received an email form Bank of America that they were closing one of my credit cards, no explanation given. I then logged into my Bank of America online portal and the account was in fact closed. The account had no balance and was my emergency credit card. Bank of America refuses to provide me a reason as to why they closed this account. This will affect my credit and the current mortgage underwriting I am going through.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A number of major accounts paid XXXX balance which do NOT REFLECT ON OUR CREDIT FILES. THAT IS MINE AND MY WIFE 's. Some of the lenders do not report for 30, 60 or more days. Meanwhile our credit score does NOT REFLECT the correct debt to income,, or paid status on negatives and current loans... paid! According to XXXX my score XXXX although other lenders report 30, to 50 points lower. The entire operation in my opinion a scam.
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (IL)

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.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have two credit card accounts that are wrongfully being reported as closed instead of open on my credit report. I have contacted the credit card company on three separate occasions where they explained the account was open and in good standings and they have correctly reported the items. I have submitted at least four disputes with Experian, the last XXXX XXXX, which all came back incorrect, credit card account still in closed status. During my last contact with the credit card company on XXXX XXXX, they explained they sent another update to the credit bureaus on XXXX XXXX. After my dispute on XXXX XXXX the results still came back incorrect, account still closed. I need this account corrected and to appear as open on my credit report. I need the comments that indicate the account as closed and with a credit counseling program remove because thats not the case.
Consumer complaint received 2019-08-20
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. (KY)

XXXX XXXX, File Number: XXXX Re: EquifaxI have sent them numerous letters from my self and print outs and copies of pay history from XXXX XXXX showing there was not a late payment made. An extension had been given and therefore the account stayed current with 0 thirty day late payments. However they refuse to correct this error claiming they contacted the bank, yet I have also spoken with them and confirmed I have never been late, filed with their own internal review, and been sent the documentation I sent to Equifax showing there were no late payments made. This may be their revenge for the fact my personal date was one of those hacked thru their system and I am in line to receive compensation.
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America bounced and returned an attempted outbound domestic wire transfer from my personal account ( with another bank, XXXX XXXX XXXX XXXX XXXX -- and, incredibly, charged me a {$45.00} fee. Regardless the specific facts here ( that the information included with the transfer was more than sufficient for BoA to identify the intended account and successfully complete the transaction ) -- this fee was excessive, unfair ( the bank did not complete the attempted distraction ), was not disclosed, and was not pursuant to any agreement or contractual arrangement I had with the bank. Therefore, I request that it be credited back to me. Thank you!
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (IL)

I have made two wire transfer on XX/XX/XXXX in the amount of {$25000.00} on XX/XX/XXXX in the amount of {$20000.00} Both from Chase bank XXXX XXXX XXXX ) to my Broker XXXX ( XXXX XXXX XXXX XXXX I got the first wire of {$25000.00} in my broker account on XX/XX/XXXX, only after that I made the 2nd wire of {$20000.00}. But that money never arrive in my broker account on XX/XX/XXXX or after even chase showed it as complete. 

I have called the chase on XX/XX/XXXX to recall the wire, the chase representative over the phone said she has helped me to recall the wire and the {$20000.00} should be in my account the same day. But it never came, and I have since call chase 3 times on XX/XX/XXXX, each time they claimed to help me, but every time the call ends up been disconnected after transfering. 

I have attached the photo of my wire records.
Consumer complaint received 2023-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I applied for my first and only credit card with Capital One and got approved on XXXX, XXXX XXXX. After only having my card for a short period I finally got my credit report which showed that I had two open credit card accounts. I was wrongfully put on a parents credit card as an authorized user without my knowledge or consent. They did not make payments on this card which affected my credit before I ever got what I thought was my first credit card which as of XXXX, XXXX XXXX I have only had for 7 months. My authorization for the delinquent card was terminated XXXX, XXXX XXXX through Capital One. When I questioned the company about if the delinquent cards information would still affect my credit I was told they could not remove it from my credit history and that I would have to contact the credit bureau. Since having my credit card I have made 100 % of my payments on time however because the delinquent card is still in my credit history it shows my on time payments are only at 74 %. My credit is at a below average score of 523 due to no fault of my own and has impacted my life when applying for other credit cards and loans.
Consumer complaint received 2021-05-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/2020
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (UT)

I am in the process of purchasing a home, which required my credit to be pulled. This complaint is due to a collection from XXXX XXXX XXXX who has a collection filed against me with Equifax, XXXX  and XXXX, which dropped my score significantly. I received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification regarding the debt. Had I been reached out to, it would have been advised this collection is a result of Identity Theft which a formal complaint has been filed with the FTC, acknowledged by authorities and submitted to the credit bureaus. 

XXXX XXXX
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Chase promises on-time closing or {$2500.00} back if they close late. https : //www.chase.com/personal/mortgage/closing-guarantee. We qualify for this refund because we are Chase customers and we closed late. Our closing date was XX/XX/XXXX and we didn't close until XX/XX/XXXX. Chase received our purchase contract on XX/XX/XXXX, which gave Chase 29 days to close. Chase did not reach out to us for documents until XX/XX/XXXX, and didn't even ask for all the documents on that day. Chase reached out to us again on XX/XX/XXXX to ask for the rest of the documents and then " started the clock '' on XX/XX/XXXX. We are not at fault here because we followed the closing timeline and submitted everything to Chase within 24 hours. Chase ignored our file for a week, and started the underwriting process late instead of starting it on XX/XX/XXXX when they should have. How is the Chase Closing Guarantee an " on-time guarantee '' if Chase can start the process at any time they choose? Does this mean Chase can start asking for documents 2 days before the closing date, close 5 days later, and then say it's not their fault because they closed in just 7 days? A late closing is a late closing. We closed late because Chase reached out to us late and did not get the ball rolling until a week after the purchase contract was submitted. If Chase can start the clock at any arbitrary time, then the Chase Closing Guarantee is a complete sham.
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ca XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Va XXXXXX/XX/2019Re: Acct XXXX Comenity Bank		Dear: XXXX XXXX   You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX