davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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: FIRST NATIONAL BANK OF OMAHA (PA)

Placed two charges on my FNBO credit card for a beach front rental property for the week of XX/XX/XXXX thru XX/XX/XXXX. The first charge was in XX/XX/XXXX for {$1900.00} and the second was on XX/XX/XXXX for {$2900.00} We arrived at the property and had nothing but continuing issues. The issues ranged from the Air conditioning not working to the stove and oven not working. Additionally despite an extra charge for cleaning there lazy suzan was full of dirt and some kind of liquefied mess. The portable air conditioners brought in soaked the carpeted floors and caused additional problems. 
Despite all of these issues at no time did the rental agent offer us a different rental property. Something that is stipulated in the lease agreement when the property becomes a problem. 
Upon my return home I contacted XXXX to get a refund. What they offered was {$400.00} which I rejected. My next step was to dispute the charge with my credit card company. 
The dispute was made an in XXXX I received a letter that my dispute could not be honored. FNBO gave as it's reason that according to Visa if you stay for the entire rental dates no refunds are issued. 
Based on this I contacted Visa and received an e mail that they have no such policy and refunds are the discretion of the card issuer. 
Since then I have been going back and forth with FNBO. I requested documentation about this policy and also tried to explain that short of returning home we had no other place to go. There were 8 adults and XXXX children using the house
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

The account information XXXX XXXX XXXX of {$1200.00} ( XXXX at XXXX XXXX ) on my credit report is completely wrong and needs to be removed. I do not owe any money to this company. Please see attached documents for more details.
Consumer complaint received 2022-08-30
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. (NJ)

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate accounts on my credit report : Late Payment 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 2022-08-17
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. (AR)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$720.00}
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MO)

They say credit file is to thin or not scoreable. 
I'm retired I've worked all my life. The information they are using is not reliable and perhaps not updated. I read that during the pandemic and after ; the information they were using was not accurate for credit reporting and credit score. 

At my age, you are not constantly buying or making many big purchases. 
I am trying to rent a apartment and I am constantly denied. 
Back in 2018, the apartment complex I was living in said I did not give 60 day notice. 
I told them I would not be renewing lease due to my XXXX XXXX problem and then I moved out without sign lease. 
And after moving I was able to find apartment within days. 
Then they kept sending me letters saying I had a balance and they put this on my credit report.And now I'm constantly not being able to rent an apartment
Consumer complaint received 2022-10-17
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. (MD)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (OH)

I filed for a refund for my student loans I paid during the pandemic through Aidvantage on XX/XX/2022. At that time I was told the refund would take 4-6 weeks before I receive MY MONEY via direct deposit. I called in a few weeks ago and the representative told me my refund was approved on XX/XX/2022. When I asked why I hadnt seen my balance update at all he couldnt provide any answers all he basically said is the process is going to take longer than XXXX weeks. Fast forward, I just called in on XX/XX/2022 ( almost XXXX weeks in at this point ) and now am being told it is going to be 6-8 weeks from when it was approved to have the balance update on my account and then ANOTHER 6-8 weeks maybe longer before I actually get my money refunded. This is ridiculous that every time I call in I get a completely different story on what I should be expecting for a time frame to get MY MONEY back.
Consumer complaint received 2022-07-10
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. (AL)

XXXX continues to harass me and fraudulently report a {$12.00} loan I never applied for. I am again telling them to stop reporting this loan to my credit report. MY FATHER opened this account without my knowledge. He had access to my phone and previous email addresses. He has opened a few other accounts in my name and these companies had no problem investigating the matter and stopped reporting. XXXX is completely ignoring the police report that was filed verifying this crime against me but for some reason, XXXX insists on harassing me by reporting this erroneous information. PLEASE review the police report, call the police department for verification and go after XXXX XXXX for your {$12.00}! Delete this account now or I'll have to file a complaint with the XXXX and XXXX Attorney General.
Consumer complaint received 2022-06-25
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. (FL)

XXXX XXXX XXXX  XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-25
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. (FL)

XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-24
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. (MS)

TO WHOM IT MAY CONCERN MY IDENTITY WAS STOLEN AND SOMEONE APPLIED FOR SOME UNAUTHORIZED ACCOUNTS THAT IS NOW SHOWING ON MY CREDIT REPORT AND HAVE MADE MY CREDIT SCORE DROP A LOT SO IM ASKING YALL TO PLEASE REMOVE THESE UNAUTHORIZED ACCOUNTS OFF MY CREDIT REPORT IMMEDIATELY... .THANKS IN ADVANCE *INQUIRIES FOR TRANSUNION AND XXXX XXXX XXXX XXXX XXXX- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

I am unable to complete payments as the site continuously crashes and I can't get through the process without the session reloading. It is awful and I am afraid that it will ding my credit if I am late due to their negligence. I tried to call and the phone line has 1+ wait times. Nelnet is fraudulent and has an insufficient website to manage millions of loans.
Consumer complaint received 2022-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I went to Kohl 's and purchased some clothing. I did not have a Kohl 's credit card nor did I want a Kohl 's credit card. The Kohl 's employee who rang up my purchase talked me into opening a Kohl 's credit card because I would save about $ XXXXon my purchase. I opened the account and made my purchase. Several weeks later I received an email that my statement was available and to log in online to view it. I couldn't log in online because it required the account number. I hadn't received a card in the mail or a statement so I didn't know the account number. I figured I would eventually get a card and a statement in the mail. That never happened. Several weeks later I received another email that my statement was available online. I attempted to login and couldn't without an account number. I called customer service and they wouldn't talk to me because I didn't have the account number. The next day I received the card in the mail. I was finally able to log in online. Then I discovered I had been charged a late fee and interest. I called again and they told me I had signed up for electronic statement and wouldn't refund the late charge or the interest. I went ahead and paid the balance in full in fear of it messing up my credit. This company violated the Credit Card Act by not providing me with a statement. I am reporting them for this violation and want my late charge and interest charge refunded. I was assessed these charges because of their violation of the Credit Card AcXXXX.
Consumer complaint received 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I WAS REVIEWING MY CREDIT REPORT AND I SAW ACCOUNT WHICH IS NOT MINE. 
I BELIEVE, THAT SOMEONE USED MY INFORMATION AND APPLIED FOR THIS. I DON'T HAVE ANY SIGNATURE OR AGREEMENT WITH THIS COMPANY.
Consumer complaint received 2022-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC (NJ)

Some of my medical bills from XXXX XXXX XXXX from XXXX were sent to a debt collection agency - Apex Asset Management. I never received the bills because XXXX XXXX sent them to a non-existent address. I only recently became aware that there was debt outstanding. I have paid all outstanding debt to Apex, but they are still billing me for paid debt. On XX/XX/XXXX, I received a summary of unpaid charges from Apex Asset Management in the amount of {$340.00}. There were three charges : Reference Number XXXX {$300.00} Reference Number XXXX {$19.00} Reference Number XXXX {$20.00} The {$300.00} was previously paid. I sent the company a check for {$40.00} to cover payment for two of the items and I sent them proof of payment for the {$300.00}, including a confirmation number for the payment. 

I called them on XX/XX/XXXX and was informed that the {$40.00} was applied to the XXXX and that I still had an outstanding balance of {$260.00}. I resent proof of payment for the {$300.00}. Today ( XX/XX/XXXX ), I received a new bill from Apex indicating that I still owed {$40.00}. That is incorrect. They are fraudulently billing me for items that were already paid. They also indicated that I entered into an agreement to pay them {$40.00}, which is false and fraudulent. I never agreed to pay them any additional money because my bill was paid in full. Yet, they are still billing me for the {$40.00} that I already paid.
Consumer complaint received 2022-08-30
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. (UT)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX have 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 an account without my written instructions.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am a natural person, I am a living human being I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX needs to be removed reported balance {$560.00} last reported XX/XX/2022 XXXX XXXX XXXX {$5900.00} reported last balance XX/XX/2022 please delete
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

On or about XX/XX/XXXX I wrote a check for {$1500.00} to the XXXX XXXX Georgia property tax unit, and put it in the mail. 

On or about XX/XX/XXXX I received a notice from XXXX XXXX that my property taxes were in arrears. I looked in my checking account and saw that this check had been stolen, washed and deposited, via mobile deposit, at PNC bank for the benefit of XXXX XXXX. All customer fields had been overwritten. My signature had been forged, and the amount was overwritten to the original amount : {$1500.00}. PNC accepted the deposit, and my account was charged. 

I contacted my bank immediately ; they have been trying to get reimbursement from PNC. Today, at the suggestion of my bank, I filed a complaint with PNC case # XXXX.
Consumer complaint received 2022-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Corporation of America (TX)

I, XXXX XXXX, consumer, natural person, and the original creditor of an open end credit plan, received a letter in the mail from a debt collector. This is mail fraud pursuant to 18 US Code 1841. I am making this complaint against FINANCIAL CORPORATION OF AMERICA for committing identity theft. I have never given FINANCIAL CORPORATION OF AMERICA any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe them. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until FINANCIAL CORPORATION OF AMERICA can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and FINANCIAL CORPORATION OF AMERICA continues its collection efforts, I will file for litigation for actual damages caused and FINANCIAL CORPORATION OF AMERICA will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and collection of extensions of credit by extortionate means. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-06-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

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 XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (KY)

NEVER HAVE I EVER GIVEN CONSENT TO THIS COMPANY TO EVER HAVE ACCESS TO MY NONPUBLIC PERSONAL INFORMATION. I HAVE NEVER AGREED TO DUE BUSINESS WITH THIS COMPANY ON ANY TERMS EVER!!! 

On multiple occasions I have attempted to resolve this ongoing issue of identity theft with CAINE & WEINER for fraudulently purchasing my nonpublic personal information and furnishing inaccurate and deceptive information to my consumer report via the consumer reporting agencies. This has hurt my consumer report immensely and has effected me of being approved for jobs, insurance, and dwelling. I am attaching all documentation below. I have also sent my complaint over to my state 's attorney general consumer affairs department. 

Please see attached.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXXXXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The account information XXXX XXXX XXXX of {$1200.00} ( XXXX at XXXX XXXX ) on my credit report is completely wrong and needs to be removed. I do not owe any money to this company. Please see attached documents for more details.