davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IL)

Hello, I was notified that my student loan servicer has reported me late on my credit report. I was on an income based repayment plan and not aware of a payment due. I contacted the servicer in XXXX and was not told there was a payment due. As a veteran, I rely on my credit which is important. I also spoke to the representative last month, and told her I did not agree with the reporting. She informed me that she would make the account current and what was past due. She never put the account in deferment/ forebarance. I am also including the document history which shows the last time documents were uploaded. 


Between me and my wife we have over XXXX in student loans, my payments are XXXX
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

On XXXX XXXX, I purchased a {$100.00} Visa gift card from XXXX # XXXX in XXXX, Texas. On XXXX XXXX, the recipient of the gift card which was still in the cardboard packaging tried to make a purchase online. She was given the information that another party in XXXX XXXX, NV had somehow used the gift card and there was now a XXXX balance on the card.
Consumer complaint received 2022-04-06
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. (TX)

In accordance with the Fair Credit Reporting act the below creditors 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-03-19
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 (TX)

They double charged me for my ending balance on XX/XX/XXXX and made my bank get overdrawn. They are saying I put in a payment, which I did not. I know my account is on auto pay. Online, the payments were put in XX/XX/XXXX XXXX XXXX {$6000.00} and XX/XX/XXXX XXXX XXXX {$6000.00}. Both of these are withing an hour of each other. 

They told me it could be up to 25 days to reverse the charge or they could mail a check in a week. So, they are holding {$12000.00} of my money ( {$6000.00} of which needs to be returned XXXX for at least a month. 

Last year ( in XX/XX/XXXX ) TWICE they kept money ( totaling over {$50000.00} ) I paid to the card for at least a week before releasing the balance. They refused to tell me the exact reason why other than the bank hasn't release the money. Eventually I got an email, after I threatened to close my card, stating that they are holding the money in case the bank reversed the money. I spoke to my banker the day after I paid the card and he said the money was already released and sent to XXXX. 

Every time I call, the person I'm speaking to is a " manager '' and there is no one else I can speak to. The lady today lied to me when I asked to speak to someone else. In XX/XX/XXXX, when I asked to speak to a supervisor, I received the same response, " there is no one else for you to speak to regarding this issue. ''
Consumer complaint received 2021-09-28
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. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-12-12
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. (GA)

XXXX  XXXX and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. This is simply not true. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.
Consumer complaint received 2019-03-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE LENDERS OF AMERICA (FL)

About 2 months ago I applied for a home loan through Mortgage Lenders of America. The loan officer below was the one who attended me. 

XXXX XXXX, NMLS # XXXX Senior Mortgage Loan Officer Mortgage Lenders of America direct ( XXXX ) XXXX-XXXX mobile ( XXXX ) XXXX-XXXX Toll-free ( XXXX ) XXXX-XXXX, ext. XXXX fax ( XXXX ) XXXX-XXXX XXXX@mloausa.com This whole process has been a nightmare so many things were not diclosed. Numbers have changed over 5 times and after locking in my rate all of sudden 3 days to closing all numbers changed and rate went up to 3.42 points from 1.5. These are bait and switch tactics and they are taking advantage of my situation and the 2 months of craziness I have been through.
Consumer complaint received 2018-12-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Experian refuses to delete collection account, XXXX XXXX, and continues to report false information. 
This account is not mine. 
Experian needs to delete this account from my credit report and send XXXX XXXX a corrected copy of reported OR Experian must add my personal statement to my entire credit file as follows ; EXPERIAN IS REPORTING FALSE INFORMATION IN VIOLATION OF FEDERAL LAWS AND/OR REGULATIONS. 

An updated copy of my credit report that includes my personal statement must be sent to everyone that has obtained a copy of my credit report.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. Aslo, apologize. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXX XXXX  XXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (FL)

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 XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : # XXXXXXXX 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 2022-07-28
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 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( XXXX Opened : XX/XX/XXXX, Balance : {$550.00} ), XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$1500.00} ), XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$140.00} ), XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$140.00}, Original Creditor MEDICAL ), XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$140.00}, Original Creditor MEDICAL ), XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$140.00}, Original Creditor MEDICAL ), COLLECTION ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$120.00}, Original Creditor MEDICAL ), XXXX XXXX ( XXXX XXXX Open Date XX/XX/XXXX, Highest Balance : {$720.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I placed a dispute with chase due to me loosing my card. I placed the dispute the following business day due to call center being closed. After being issued a temporary credit Im credit was then token back. No documents sent to me or anything. I spoke to several reps and they told me they would not re open claim because it was not worth and that they did there job already after I asked to provide proof. The place where holds all my funds couldnt even reopen a claim for me. This was my 1st and only dispute! I am going to every media outlet with this.
Consumer complaint received 2022-10-09
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: Experian Information Solutions Inc. (PA)

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  Account # XXXX, has violated my rights. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports | U.S. Code | US Law | LII / Legal Information Institute.

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.

Hard Inquiries Unauthorized XXXX - XX/XX/2022 XXXX - XX/XX/ 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 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

As per 15usc 161XXXX XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. Aslo, apologize. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXX XXXX  XXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxx 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 2022-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IA)

I am having misleading information being provided to me by my student loan servicer Nelnet. I called them on XX/XX/22 regarding my fund of payments I made during the pandemic. They quoted me 4-6 weeks until I get the money back in my account. This is going on week 5 of this, and my balance hasn't even been reflected in my Nelnet account. I have called them multiple times, and they have no updates for me. I have also been told two different things regarding how I was going to be paid back. One person said that it would be paper checks, and another representative said it would be direct deposit. I am tired of this being the 5th week now, and there isn't a single update or anything reflected in my Nelnet account. I also don't like the two different answers regarding on how I am going to be paid back. The chances of my getting my money back within the a little over a week now are highly unlikely if it is being returned via a paper check like I was originally told.
Consumer complaint received 2022-10-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION (GA)

Dear Regional Acceptance I, the consumer and natural person, was denied credit by Regional Acceptance when I applied for a Auto Loan. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Regional Acceptance due to the response I received. Regional Acceptance is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Regional Acceptance. If Regional Acceptance fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Regional Acceptance criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). 

Thank you. 

XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2020-09-19
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. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.