davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-04
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. (CA)

i have been trying to rebuild my credit because i was one of the people affected by the XXXX  breach. i have had no trouble with XXXX  lately and XXXX. all my information is up to date but transunion refuses to cooperate with me, and most times i apply for any type of credit or loan transunion is who they look too. i know by law i am allowed my credit report from all three at least once a year. transunion will not let me change my address phone number or other personal information i have been living at my same addres for 9 years and they still have the previous as my living address ive written to them emailed them but each time they want me to pay to unlock my report and make changes i am XXXX and XXXX  and these are trying times for everyone. but when i cant get the credit deserved because of transunion they should be held accountable.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/XXXX CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX , DC XXXX RE : Notice to Correct Credit Report Greetings, Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by THE US DEPARTMENT OF EDUCATION/NELNET . The items reported by this agency shall be removed to show my true credit history. This request is supported under 12 CFR 1006.34 - Notice to validate debts of the Fair Credit Reporting Act. Under the Fair Credit Reporting Act, a creditor/agency has 30 days from the receipt of the initial letter requesting verification of the entries that are being reported to a credit report. According to this law, failure to verify the items within thirty ( 30 ) days constitutes a reason to remove the information from my file completely. 

The initial request under 12 CFR 1006.34 - Notice for validation of debts was sent XX/XX/XXXX and received by NELNET on XX/XX/XXXX. The US DEPARTMENT OF EDUCATION/NELNET did respond to the initial request to verify the accounts below however, the date of the response letter was XX/XX/XXXX and XX/XX/XXXX, which was outside of the legal 30-day period that is required. Furthermore, the information that was provided was not any information that is associated with me or that I recognized. Under 34 CFR 685.215 - Discharge for false certification of student eligibility or unauthorized payment, THE US DEPARTMENT OF EDUCATION/NELNET shall remove these entries from my credit profile.

As required by the Act, I demand that these items below shall be removed immediately from my credit profile, due to the unlawful validation process and the unauthorized nature of these accounts.

Company Name Account Number Amount 1. DEPT OF EDUCATION/NELN XXXX  {$14000.00} 2. DEPT OF EDUCATION/NELN XXXX  {$28000.00} 3. DEPT OF EDUCATION/NELN XXXX  {$5300.00} Finally, please send me the names and contact information of all the individuals you contacted, so that I may follow up with them directly. Thank you for your assistance in this matter. 



Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Social Security Number : XXXX DOB : XX/XX/XXXX cc XXXX, State Attorney General
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (SC)

Tried to log into my credit karma account through personal questions and or email, however I'm being asked to send my personal information before they can change and update the phone number so I can regain access to the account. I was told that I would receive an email but the email was never sent to update the phone number. Since they're making the process a hassle, I told them to close the account and forward me my money that was left in the savings account. They told me it's unfortunate that they will not unless I give them two forms identification over the chat system. I declined. I'm the victim not the criminal and no I don't trust them to keep me information protected now that they have partnered with the tax company known as XXXX or XXXX XXXX, they probably would sell my personal information for a price.I provided the last four digits of my SSN and the current address to forward my funds. They are still being uncooperative.
Consumer complaint received 2024-03-14
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: LEXISNEXIS (GA)

I posted dispute CFPB Case # XXXX and received an email stating that the case was closed. The credit reporting company, LexisNexis, made a response to which I was never notified or given an opportunity to reply or dispute their response. 

LexisNexis claims that on XX/XX/2024 they attempted to me via email at XXXX to obtain additional identifiers and that to date, LexisNexis has not received a response back. I searched thru my emails on that date, including spam and old emails, and had not received sais email ( Screen shots attached ). 

On the letter from LexisNexis, thet said that : In an effort to resolve XXXX XXXX concerns, LexisNexis initiated a dispute of bankruptcy records stated above with the nationwide consumer reporting agencies on his behalf. LexisNexis will notify XXXX XXXX via mail once the credit bureaus complete their investigation ; however, please note, the bureaus may contact XXXX XXXX directly with the results of the investigation. 
If XXXX XXXX has any questions regarding how and what information is displayed on a credit bureau report, XXXX XXXX will need to contact the credit bureau directly. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Order Credit Report : XXXX Report Fraud : XXXX XXXX I had contacted XXXX and in their investigation, they stated that they received the information from LexisNexis, who received information from the court. In LexisNexis letter, they claim to have received information from XXXX. Who is actually receiving information from whom? 

I have an email from the court, stating that they do not provide court information to credit services ( attached in pdf form ).
Consumer complaint received 2024-02-29
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reviewed my consumer reports and noticed that i had late payments on XXXX accounts that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/XXXX ) through dates ( XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2020-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I.Q. Data International reported unpaid debt to credit reporting agencies and also allowed public record of debt to occur. The unpaid debt is reported in the XXXX XXXX County Courts of XXXX with an eviction record with the amount of the unpaid debt. The court record was not removed by I.Q. International when the unpaid debt was transferred.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to the Fair credit reporting Act, I have the right to a completely accurate report, and the bureaus are required to remove any information that is not true, verifiable and inaccurate. My letters were sent XXXX days ago and to date they have not deleted the unverifiable information. 

Rule 12 ( b ) ( 6 ) permitting a motion to dismiss for failure of the complaint to state a claim on which relief can be granted. 

XXXX XXXX XXXX ACCOUNT NUMBER : XXXX failed to provide a debt validation letter. Therefore, I have no knowledge of this debt or have any relationship with this business. Per FCRA 605B, it is illegal to report information on my credit report without my permission. Further, this account is reporting this collection with an " open '' status. This is inaccurate and therefore this must be removed from my report immediately. 

I demand this account be deleted for inaccurate reporting in accordance with the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

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 2024-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

WE ARE : XXXX XXXX XXXX and XXXX XXXX XXXX, co-conservators of XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Branch of Bank of America ( B of A ). 
XXXX XXXX is Power of Attorney for XXXX XXXX ; signed and notarized XX/XX/XXXX. This POA is on file with B of A. XXXX pays the XXXX 's bills including Share of Cost checks to the nursing home where XXXX lives. 
THE PROBLEM : When we became conservators XXXX and I went to B of A ( XX/XX/XXXX ) to register the Letters of Conservatorship and open the court required Conservation account. We hoped to continue banking at that branch. The meeting did not go well. By the beginning of XXXX, XXXX, the bank had : 1. Refused the Letters of Conservatorship. Demanded that the Letters be changed. 
2. Cancelled XXXX 's POA because : " You showed us this ( the Letters ) and this deletes POA. '' 3. Frozen the conservatee 's account. The bank is now " taking care '' of her ( her NAME is : XXXX XXXX XXXX ). 
4. Contacted the nursing home where XXXX lives. The banker told staff : a. Determined that Share of Cost checks written by the POA to the nursing home would no longer be honored by B of A. 
b Instructed the nursing home to access payment directly from XXXX XXXX 
c. Opened a Financial Abuse case. We've received no information on this - just gossip. 
d. Slandered the conservators by telling random nursing home staff debits for clothing were financial abuse. A nursing home resident, " doesn't need much. '' Every past debit is evaluated as " financial abuse. '' This unacceptable slander places XXXX 's health care in jeopardy. XXXX  nursing homes do not prefer XXXX customers . Good will between nursing homes and for Conservators of XXXX XXXX is fragile. 
5. Refused two Share of Cost payments written by the POA to the nursing home.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the item in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-10-06
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: Santander Consumer USA Holdings Inc. (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

ON XXXX, I disputed the inaccurate information on my credit reports from XXXX, equifax, and XXXX 

I request that you DELETE the above-listed information and mail me an updated copy of my file. Inform anyone that you reported the deleted information to that it has since been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification within 15 days. 

You are in violation of 15 USC 1681e ( b ), because it states that it has to be 100 % accurate and correct before information is reported on a consumer report. Furthermore, the information is reporting inaccurately and incorrectly and request that the tradelines be deleted from my consumer file. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, you are also required to do a re-investigation, per 15 USC 1681i5. 


Were requesting a thorough reinvestigation of the accounts. Please make sure that all aspects of the accounts are reporting 100 % accurately and correctly or DELETE IT.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account BARCLAYS BANK DELAWARE is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
BRCLYSBANKDE ***** Opened Date XX/XX/2017 Balance {$0.00} // Charge Off
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Chase sent me a 1099-MISC for {$200.00} ( account ending in XXXX ), yet they're claiming that the reported amount to the IRS is {$1200.00}. Despite reaching out to various representatives, none provided assistance. Some promised to resend the form, but failed to do so.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC (SC)

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Dear Sir/Madam, I am writing to file a formal complaint against Regional Finance regarding the mishandling of my loan account during the period of my disability. My name is XXXX XXXX, and my account number with XXXX XXXX is unknown. XXXX XXXX Account # XXXX for XXXX dollars. 

In XXXX, I encountered a severe health setback which led to the XXXX XXXX XXXX XXXX, rendering me XXXX XXXXXXXX and consequently unable to work. As a result, I found myself in a situation where I could no longer afford to meet the monthly payments on my loan with XXXX XXXX. 

Upon reviewing the terms of my loan agreement, I recalled a clause about hardship defaults, which, if applicable, would relieve me from the financial obligation of repaying the loan under such circumstances. However, despite contacting XXXX XXXX and expressing my situation, I was neither provided with the necessary paperwork nor granted the relief promised under the hardship default clause. 

Instead, my account was sent to collections, leading to further financial strain and emotional distress. Despite my attempts to dispute the validity of the debt, it continues to appear on my credit report, inaccurately stating the date of account opening as XX/XX/XXXX. This account has been to multiple collection agencies. This misinformation not only affects my creditworthiness but also exacerbates the injustice I have faced due to XXXX XXXX 's negligence and disregard for my rights as a consumer. 

I firmly believe that XXXX XXXX has violated the terms of our agreement and failed to uphold its duty of care towards customers facing unforeseen hardships. Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the situation. 

Enclosed with this letter, please find copies of relevant documents, including my loan agreement, correspondence with XXXX XXXX, and credit reports reflecting the inaccurate information. 

Thank you for your attention to this matter. I look forward to a prompt resolution and fair treatment from XXXX XXXX. 

Sincerely, XXXX
Consumer complaint received 2024-04-25
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (OH)

Between XX/XX/2023, and XX/XX/2023. I had fraudulent charges on a on my XXXX credit card. Also, between this time a land ends credit card was open in my name. my XXXX credit card confirmed that this was fraudulent charges. XXXX XXXX  is saying that this is my account. Account was open in XXXX. I have never visited XXXX or know anybody that lives in there Ive asked repeatedly for documentation from land ends which does their accounts through community Bank. Today when I talked to XXXX she stating that this is my account and Im responsible for it since I do not have a police report. She verified my address. But I live in an apartment and I have a mailboxes at the front of my apartment complex. Ive had issues with getting court documents on my custody and mail from my family. I asked to verify if my phone number was a phone number they had on file and if they could verify the email on file and she told me they could not do that. 
Let me know if you need any other documentation or information for me.
Consumer complaint received 2020-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

My Citibank checking account was involved in fraudulent activity in XXXX I received a check for {$2500.00} which I deposited right after that a XXXX transfer was made for {$2000.00} leaving my account with {$500.00} and {$600.00} I had for my rent. The bank debited the fraudulent check for the of {$2500.00} and now this account is negative. I contracted them for about 2-3 weeks about this they stated that the check was fraudulent but couldnt prove the XXXX was and that was that and that in 60 days I would be sent to collection for it. Now Citibank has started to garnish my other checking account I have with them that is not linked to the other one and when I reached out to them to today XXXX one representative told me it shouldnt have happened they can have it reversed and the other rep told me that I cant have my money back. So I am stuck and defeated.
Consumer complaint received 2024-04-24
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: MARINER FINANCE, LLC (FL)

Trying to buy a home for my family I realize there damages to my credit report. According to the 15 U.S.C 1681 law there should not be no damaging information to my credit report. It is considered defamation to my character. Mariner finance has refused me 1099.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (TX)

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. The account number showing on my report are the following : XXXX, and XXXX
Consumer complaint received 2024-03-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

I have received mail from Jefferson Capital Systems and texts from XXXX XXXX XXXX  regarding a XXXX XXXX account from XX/XX/2021. The reported debt amount is {$1300.00}. I have never opened a XXXX XXXX account under my name. I thought this debt collection notice was a scam, but now it is on my credit report and affecting my credit score. 

XXXXXXXX XXXX texts include a reference number # XXXX. Jefferson Capital only gives me the first few digits of the reference number, XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MD)

Wednesday XXXX XXXX XX/XX/XXXX and the 5 or 6 day of ..and the same I talked to the leader we applied they said that I have to many inquiries and another said dont have enough credit history then another one said need to get a mortgage try getting a hi interest credit card.