davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
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: AES/PHEAA (AZ)

Fedloan Serv is improperly reporting 90 days in XX/XX/XXXX late on my credit report for 12 different loans. I received a forbearance on all loans with Fedloan Serv between XX/XX/XXXX and XX/XX/XXXX ( the " forbearance '' ). As a result, no payments were required during the forbearance period, which is documented by a correspondence from Fedloan Serv and attached hereto. I submitted a dispute with XXXX  in XX/XX/XXXX but the dispute was denied in XX/XX/XXXX. I contacted XXXX  on XX/XX/XXXX and they told me the reporting is valid and they can not remove the late payment history, despite me offering to provide Fedloan Serv 's correspondence approving a forbearance. As a result of the negligent actions of Fedloan Serv and XXXX, my credit score is extremely damaged.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (SC)

y : USA Description of complaint : On XX/XX/year>, I contacted Navy Federal regarding a transfer in the amount of XXXX on my account. The transfer was sent to another NFCU member. Navy Federal informed me that someone filed a fraud complaint on my account, in turn, NFCU gave me a provisional credit for {$2900.00}. I informed NFCU that I did NOT file a fraud complaint and I didnt not request a provisional credit. I informed NFCU that my relative logged into my account and completed a Navy Federal Credit Union XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( XXXX ) XXXX If you have any questions or concerns, please contact the XXXX assigned to your complaint : XXXX serving XXXX Washington DC XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX XXXX ( XXXX ) XXXX fraudulent claim without my permission. Navy Federal fraudulent claim without my permission. Navy Federal insured me that they would investigate the claim thoroughly. However, that did not happen. Within 72 hours, NFCU denied the claim without explanation. Two days later, I logged into my NFCU account and it was negative {$3000.00}! I called NFCU and they said that the provisional credit was reversed since I didnt not file the complaint. However, NFCU did NOT investigate who filed the fraudulent complaint, or the Memeber that the provisional credit was sent to. NFCU stole my incoming deposits to cover the {$3000.00} negative balance and I want a full return! If a customer is scammed, it is Navy Federals job to INVESTIGATE, not steal money from its customers to cover scammed accounts! I am also filing a complaint at the federal level. I am a Veteran and a homeowner. And due to Navy Federals negligence, I am facing eviction because they stole my money and refused to investigate a crime completed on my bank account.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2015-08-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NV)

We needed to borrow {$40000.00} to purchase a house that was for sale in XXXX NV. We approached Wells Fargo bank, which we have been customers with since 1993, have all our checking & rental accounts with and XXXX house mortgage. We filled out their loan paperwork & submitted all necessary documents. We have an excellent credit rating, my husband is employed full time, I 'm retired receiving state retirement & working part-time. We own a duplex & XXXX houses, rented continuously for over 5 years, and a weekend home XXXX valued at {$180000.00}, all completely paid for. We have XXXX vehicles, XXXX that are financed through the credit union and XXXX paid off. We had no credit card balance at the time of the application, as we usually pay off the balance on our cards each month. 
*My complaint : With everything I have stated above, Wells Fargo Bank XXXX who has stated we were such great, long-time customers, could NOT borrow the asked for amount of money to purchase a house because " they were UNCOMFORTABLE loaning us the money! Why? Even our local federal credit union loaned us {$50000.00} in an unsecured loan, and we have XXXX cars on credit with them!! Something needs to be investigated into the loaning practices & customer services of Wells Fargo Bank. We were even willing to pay their outrageous interest rate & fee program. Thank you.
Consumer complaint received 2016-03-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (TN)

I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-05-15
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. (AZ)

XXXX XXXX is improperly reporting 90 days in XX/XX/XXXX late on my credit report for 12 different loans. I received a forbearance on all loans with XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( the " forbearance '' ). As a result, no payments were required during the forbearance period, which is documented by a correspondence from XXXX XXXX and attached hereto. I submitted a dispute with XXXX  in XX/XX/XXXX but the dispute was denied in XX/XX/XXXX. I contacted XXXX  on XX/XX/XXXX and they told me the reporting is valid and they can not remove the late payment history, despite me offering to provide XXXX XXXX 's correspondence approving a forbearance. As a result of the negligent actions of XXXX XXXX and XXXX, my credit score is extremely damaged.
Consumer complaint received 2024-01-18
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: Experian Information Solutions Inc. (IA)

I have consistently disputed the inaccuracies in the given information with XXXX, Experian, and XXXX, but unfortunately, the matter remains unresolved to this day. 

XXXX 1. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

Experian 1. The following personal information is incorrect Also Known As : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 4. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please remove it from my credit report. 
5. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX, IA XXXX 5. The following personal information is incorrect Employers : XXXX XXXX XXXX 6. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-08-14
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)

On XX/XX/2022 I sent letter to XXXX, Experian and XXXX to remove all addresses that I am not associated with and only list my current address. I also has several unauthorized inquires on my credit file that needs to be deleted. As of XXXX XXXX XXXX. I have not received a response regarding these issues that are negatively affecting my credit profile.
Consumer complaint received 2020-08-31
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. ()

All three credit report companies after disputes still show accounts ADVERSE even though all the accounts have been corrected and in the text show NEVER LATE. The reports need to correctly list these disputed accounts as no longer ADVERSE. please help to have all three reports to be correctly listed. 

Thank you
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-08-14
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. (GA)

On XX/XX/2022 I sent letter to XXXX, XXXX and Transunion to remove all addresses that I am not associated with and only list my current address. I also has several unauthorized inquires on my credit file that needs to be deleted. As of XXXX XXXX XXXX. I have not received a response regarding these issues that are negatively affecting my credit profile.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2016-09-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

We have been trying to get our bills paid to increase our credit scores. When I went into our credit reports we found credit inquiries that were not authorized dropping our scores approximately XXXX points. We contacted TransUnion, XXXX, and XXXX in writing and by phone and they state that they will not remove them, that it is a law for them to report who pulls our credit reports. However we did not authorize these inquiries.
Consumer complaint received 2016-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC (GA)

INACCURATE AMOUNT OF DEBT. VERIFICATION WAS SENT FOR MY WIFE AND I. AND WAS REMOVED FROM HER CREDIT HOWEVER, THEY ARE STILL TRYING TO COLLECT THE INCORRECT AMOUNT DEBT FOR THIS HOME AFTER WE PARTED WAYS DUE TO CONTINUOUS LIES AND BOGUS PAPERWORK.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX 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 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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. 
I told Experian, XXXX, and XXXX to reinvest in these accounts : XXXX XXXX XXXXXXXX Account No : XXXXXXXX XXXX XXXXXXXX Account No : XXXX XXXX Account No XXXX XXXX XXXX Account No XXXX XXXX XXXX XXXXXXXX Account No XXXX However, they stated that everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect?

According to 15 U.S.C 168 section 602 A states that I have right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) it also states that a consumer reporting agency can not furnish an account without written my instructions.
Consumer complaint received 2016-11-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (WV)

We have submitted numerous complaints concerning Wells Fargo Auto Finance. They repossessed our vehicle in XX/XX/XXXX while my husband was stationed in XXXX, CO. He was protected under the XXXX. While they acknowledge that our interest rate was reduced because of that, they claim they did n't receive orders. They received his orders prior to our interest rate being reduced because that was the proof that we were protected under XXXX. If I did not supply his orders, they would n't have reduced our payment. They claim they only charged off our vehicle and did not reposess it. They are claiming that it may have been stolen. However, I specifically recall getting the amount they recovered from auction for our vehicle. The XXXX number is XXXX. Wells Fargo was guilty of taking soldiers XXXX and had to pay them for this. They are guilty of fraud and somehow they are still trying to get away with it. They did not try to help us out when we became late on payments. They simply state that the XXXX does n't protect soldiers when their vehicle is " charged off ''. I believe they are withholding information entitling is for reimbursement due to illegally repossessing our vehicle.