davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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: Nelnet, Inc. (NJ)

Nelnet/US Dept of Education is now the loan servicer of my student loan. This loan was transferred to them from a company called XXXX. I was never informed of this transfer until after both agencies contacted me demanding money. This is not allowed by law as it states a consumer is to be notified in writing before such actions are taken. 

Under the Family Education Rights and Privacy Act of 1974 all my student records are to remain private between myself and my institution, I singed an agreement with my university vowing none of my information would be shared with third parties or it's affiliates. FERPA clearly states that all records including my transaction history is to remain private. Reporting my personal identifiable information to the three major credit bureau 's violates this act. 

Further under the Privacy Act of of 1974 it clearly states no information is to be shared without my permission. I never gave permission nor have I ever waived these rights. 

By placing this very private and personal information that is supposed to be between myself and my university, all my information is available for anyone to see. This information can be used to prejudice me and used against me. This agency along with the Dept of Education and XXXX have willfully misused my private information. They have also ignored my request, also available by law to opt-out of reporting this private information. 
16 CFR 6805 states companies are to provide consumers the option to opt-out of certain credit tradleines from being placed on their credit report each month, yet this is not enforced. I wrote these agencies requesting to opt-out yet they chose to ignore me. 

Due to the damaging and purposeful misconduct of these agencies I am seeking remedies immediately. I have files a Fraud report with the FTC because that exactly what happened. Anytime a consumers private information such as name, address, phone numbers, social security number, complete transaction and financial history is given to another person, company or other and used for any purpose they want, and without their knowledge - that is called Fraud. My social security number belongs to me and the Social Security Administration, no one else, it is backed by the Federal Reserve. and is not to be given to anyone. 
Please see the attachments provided. I demand this information be removed from all three credit agecies, as allowed to me by law within 4 days under 15 USC 1681, 605 - block of information from identity theft.
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, I was looking to purchase a camera from XXXX from a man in California. I do NOT know him, but I was lured and coerced into sending him partial payment through XXXX. He claimed that a buddy of his was in critical condition and needed the payment asap. He asked for my address, full name, and phone number so he could go to XXXX and purchase tracking. He proceeded to send me pictures of the postage and tracking receipt and so I sent him {$300.00}, half of the asking price. When I asked for the full tracking number, he refused to give it to me unless I sent the rest of the payment back. It was then that I realized I had been scammed. Between a faulty receipt and him contacting me through multiple different phone numbers in the following days, I was unsure whether or not Chase would reimburse me for a payment made through XXXX. But I called Chase and filed a claim through their claims department the morning after. The XXXX charge was still pending but the money was already gone from my account. Today, XX/XX/XXXX, I received a notice from Chase regarding their investigation and they said no change would be made to my account at this time. 

Regardless of whether or not it was an authorized charge, I was scammed and Chase has failed to recognize that or provide ne with any sort of reimbursement or request for more information. While I did initially make a phone call stating fraud, I only did so as fraud and unauthorized transactions are protected. Its absolutely bizarre that SCAMS are NOT protected.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Consumer complaint received 2023-05-11
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. (UT)

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 XXXX XXXX, XXXX  XXXX : XXXX, XXXX/XXXX  : 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 2022-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mobiloans, LLC (CA)

I have requested several time to refinance as well as seek help for paying off the loans. The provider stated that they do not off any refinancing or assistance. I have attempted to reach the Customer Service multiple times since financing the loans and it is multiple hours wait and when I email, they are unwilling to answer any questions ( despite advertising being able to solve issues via email on their phone line and website ). On XX/XX/XXXX, I emailed regarding concerns and there was no action or response from the company. Additionally, I have no access to my contract that I signed and payment schedule and do not have access on line. I attempted to reach them by email on XX/XX/XXXX to obtain the documents but was told to call the customer service. I was unable to get a hold of any one on the phone due to the extended wait time. When I was finally able to get a hold of a representative on XX/XX/XXXX. I was told I was not able to receive any statements or payment arrangement because they do not provide those to lenders. Additionally, I was directed back to my online account which has no information regarding my contract or statements available other than a payment history with no additional information. I was told there is a " Terms of Service '' that " counts '' as a contract. 

Here is the information of the Terms and Conditions with nothing specific regarding my loan with the company. 
XXXX XXXX XXXX 
I have also attached a screenshot of the attempt to view my statement where it does not show any information.
Consumer complaint received 2022-11-11
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: BARCLAYS BANK DELAWARE (IL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX To Whom It May Concern ; My name is XXXX XXXX and this dispute the above referenced case # XXXX XXXX. On XX/XX/2022 I ordered the XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  # XXXX if you go into their system or call them they can advise that this merchandise WAS NEVER BROUGHT TO XXXX XXXX XXXX XXXX ; XXXX XXXX, Il XXXX. I am requesting this {$3000.00} charge be refunded to my BARCLAYS credit card as I NEVER RECEIVED THIS PRODUCT NOR DID I SEND ANYTHING BACK TO THE SELLER FROM MY HOUSE AS IT NEVER ARRIVED. I am very disturbed as to how a product that I never received can be charged to my account. I have sent several packages to the credit card company to try and rectify this matter and they have closed the dispute twice. I don't know what XXXX XXXX  & XXXX advised Barclays, but I did not receive this product and the XXXX invoice does not disclose or indicate the bed was dropped off at my house AT ALL. Nor did I send it back to them nor did I break it and send it back. I am requesting this charge be removed from my credit card statement as I do not have this product nor did I ever receive it. Please remove this charge as I did not receive it nor do I have this bed.
Consumer complaint received 2022-06-08
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. (OH)

In accordance with the Fair Credit Reporting act XXXXt Account : XXXX & XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXXXXXX # XXXX, DEPT OF EDXXXX  # XXXX, DEPT OF ED/XXXX XXXX XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX XXXX XXXX, DEPT OF ED/XXXXXXXX  # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXXXXXX, 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 2023-03-29
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Bankruptcy Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

I had money transfered from XXXX XXXX  to Citibank credit card company for {$10000.00} since XXXX, The Citibank credit card company received the funds on XXXX and they will do the invesgation for money first, i was waiting in about 2 weeks they said that was incorrectly credited to my account. They will rebilled the money back to the credit card company. I had contact the XXXX XXXX to notify them what was happenede and file a dispute charge, and received a response letter from XXXX XXXX stated that they never received a credit refund from Citibank. I needed to pay for the interest charge but never received the money.
Consumer complaint received 2022-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I want to change my method of payment from ACH and the company does not have an option on their website to do this. I have sent emails and they will not respond. I have called the customer number listed on their website and have been on hold for as long at 40 minutes but no one answers and it automatically disconnects. There is no way to reach a person at this company or conduct business on their website.
Consumer complaint received 2022-07-11
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. (NY)

I am just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Do not close this complaint stating that this is not me. Now that I have passed that part, I am writing this because, I sent XXXX, XXXX and Equifax letters disputing the validity of the inaccurate/fraudulent information that they have on my credit reports. I reached out to both companies about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for each company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.
Consumer complaint received 2023-05-15
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-27
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. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. I have a few things on my file that are not correct. I am having issues with the following addresses that are not correct please delete the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I would like to request a new credit report as well so I can go over the remaining items and check for accuracy.
Consumer complaint received 2023-03-29
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. (TX)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I do not authorize these fraudulent inquiries to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-27
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MO)

XXXX took over from XXXX XXXX  XXXX XXXX Credit Card. At the date of the switch, I had a balance of {$1900.00} with XXXX that switched to XXXX. I never received my card from XXXX so I was never able to activate my account or access it online. Nor was I able to send payment with the correct account number, since I didn't know what the account number was. The payment was due on XX/XX/XXXX. I used online bill pay with my bank, XXXX, to make the payment. They mailed a check, # XXXX to arrive on XX/XX/XXXX. On XX/XX/XXXX, I received an email from XXXX that my payment was now due on XX/XX/XXXX, so I called them on XX/XX/XXXX. They claimed not to have received my payment. I emailed my bank on XX/XX/XXXX. I asked them if they had the canceled check. They emailed me back that they did not on XX/XX/XXXX. I then asked them to stop pay on the original check and send a replacement, which they did on XX/XX/XXXX, ck # XXXX. On XX/XX/XXXX, I called XXXX to see if they had received the replacement check. They said they had posted a payment of {$1900.00} on XX/XX/XXXX, two days before I had called them the first time. I asked them why they had told me that they didn't have my check on XX/XX/XXXX. All she would say was that the check was returned, but payment was not stopped until XX/XX/XXXX, so they had my check on XX/XX/XXXX and had even posted it, but lied to me about it. And there is no reason that it should have taken until XX/XX/XXXX to get the check since it had been mailed to arrive by XX/XX/XXXX, so they deliberately held the check until after the due date to charge late fees and interest. I contacted XXXX today, XX/XX/XXXX, and am told that the second check is still outstanding. So despite the fact that it was sent on XX/XX/XXXX, it appears that XXXX is again holding it until after the due date. They do not accept ACH payment. They allow payment on their website, which I couldn't access since I never got my card from them. They allow payment over the phone but they charge for that. So they basically forced payment by a mailed check and then hold the check long enough that they can charge interest and late fees. And they are wrecking my credit with this practice.