davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (MI)

I have been paying on loans through Nelnet that were transferred in 2006. The original loan amount was just under $ XXXX for a XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX. While my initial payments were smaller due to income driven repayment, for the last 8 years ( at least ) I have been paying over {$500.00} a month toward these loans. According to them, I owe them over $ XXXX and my payments never lower the amount I owe. I work hard XXXX XXXX XXXX XXXX but according to them, did not qualify for the COVID pause so when they deferred payments for me for 6 months, interest continued to pile up regardless of being a XXXX XXXX XXXX  who actually XXXX XXXX XXXX XXXX XXXX XXXX XXXX  who required acute care when other health care professionals refused to care for them out of fear. I am a proud American citizen whos only request is to be treated fairly. Please help me. The only time my loans were deferred were when I was supporting my family, my daughters family, and my elderly parents who also worked hard their whole lives only to be left struggling to pay their bills after retirement. I just wish to be treated fairly. Please help.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2022-10-31
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rausch Sturm LLP (TX)

On Thursday, XX/XX/XXXX, I, XXXX XXXX, received a letter with no company name, just an address provided, for a XXXX XXXX at my address, XXXX XXXX XXXX, XXXX, TX XXXX. 

I attempted to return-to-sender via USPS as XXXX XXXX does not live at my address and is not associated with my address. The USPS returned the letter to me because the debt collector provided to allow for forwarding/return instructions. 

As such, I had to spend time, money, and postage to return the letter to Rausch Sturm, LLP. Their name is not on the envelope and a detailed address search had to be conducted. 

Being a victim of identity theft, I am unsure what this debt is, if it is in any relation to me, or what effects it may have on me.
Consumer complaint received 2022-11-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Affirm Holdings, Inc (FL)

Earlier this XXXX. We took out an Affirm.com ( Payday ) Installment loan. The problem was goods never received. So I called the merchant & Affirm.com. To Cancel & Refund the Loan. Reason : Items never received.! Now Affirm is try to tell me the merchant never repaid the entire balance. Therefore I am responsible.? Can you assist. Thanks.
Consumer complaint received 2020-08-04
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. (IL)

I have written letters through Federal Trade Commission due to identity theft, advises verbally that these accounts are result of ID theft and requested it be blocked and stop reporting. I have submitted disputes and provided my Drivers License and FTC REPORT # XXXX. This company continues to report these multiple accounts with the knowledge it is a violation of the federal law.
Consumer complaint received 2022-06-17
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - US SM BUS ADMIN ODA XX/XX/2021 - XXXX  XX/XX/2021 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-16
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 : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2019-09-30
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. (TX)

FIRST, I was an EQUIFAX Data Breach Victim. EQUIFAX has done ZERO to assist correcting disputed information on the public file under its control. 
NEXT, TWO FTC Reports was created for CREDIT CARD FRAUD, BANK & WIRE FRAUD, FAKE CASHIER CHECK SCHEME [ NATIONALLY reported, which financially destroyed debtor ] and said FTC legal Reports was submitted to the 3 credit bureaus ( which included & provided supporting information such as creditor names, acct numbers, disputed amounts, dates all submitted with SS card & ID ) and submitted to the creditors for verification. ONLY XXXX verified with creditors and DELETED the disputed the falsely reported credit file information. 
This COMPLAINT is being filed against EQUIFAX and XXXX ; due to their attempt to CHANGE, USURP, CIRCUMVENT, RE-WRITE, or DRAFT their own version of the LAWs under FCRA and under FDCPA ; where the LAW states the BURDEN OF PROOF is upon the 3 bureaus and the creditors ; not upon the debtor disputing the misinformation posted on the 3 bureaus ; INCORRECT information which was paid by the creditor to the 3 bureaus to publish. XXXX and EQUIFAX has, in BAD FAITH, requested DUPLICATE information already submitted under said FTC Report. This intentional acts of continued defamation has caused direct damages including lost employment, rejected employment, rejected insurance, rejected credit, and loss of business reputation as an OFFICER OF THE COURT. The PROPER solution is for EQUIFAX and XXXX to follow XXXX XXXX example by DELETING & REMOVING the DISPUTED credit files which are ERRONEOUS, FALSE, MISREPRESENTED, MISLEADING, FACTUALLY INCORRECT published information ; destroying a tax payers life, and destroying a public servant 's life. Again, the LAW, under SECTION 609, states the BURDEN OF PROOF IS NOT upon debtors, but upon CREDITORS and the THREE BUREAUS to properly publish that the information being reported is TOTALLY CORRECT and, if not, DELETED from the 3 Bureau 's public reports.
Consumer complaint received 2022-11-25
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)

To Whoever May Be In Charge : I am agitated and dismayed that you continue to list ( 2 ) dismissed bankruptcies as confirmed. I have been in correspondence with all 3 ( for over 4 months... I even was lucky enough to have my file assigned to " Special Handling '' with one as soon as I MENTIONED CFPB ) bureaus as well as the US Bankruptcy Court ( who also told me that they could not verify this information nor would they verify, validate, update, or otherwise with any credit bureau ) that is listed on my disputed credit reports. I am well aware that you receive your information from a third-party, whether it be XXXXXXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX or from XXXX. The system is not always accurate because of the limitations of providing an ENTIRE 9 DIGIT Social Security Number to validate/verify data. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act does not mention anywhere in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly reads from " date of adjudication '' or date of " order for relief ''.

''Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have zero right to maintain information which the United States Government has VALIDATED as non-existent. 
It is only fair that in accordance with section 1681 ( a ) ( S ) of the FCRA you delete this from my credit report and send me an updated copy. Considering it should not require an investigation whatsoever, I would appreciate your rapid response within 15 days from the date you receive this letter.
Consumer complaint received 2024-10-11
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-18
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. (OH)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-07-18
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)

In accordance wi the fair credit reporting act, XXXX account number 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 an account without my written instructions
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (OR)

On or around XXXX, I saw alot of pre-approvals on credit Karma at first I didn't pay it no attention but credit karma kept sending me all sorts of all different pre-approvals telling me that I was pre-approved for credit cards, personal loans and that I can refinance my car. Every day I would see these offers I logged in to check my credit scores. So after a few months of being told I was pre-approved I thought I was now in the perfect place to apply. I got so many offers through credit karma I started telling my whole family about vacations and investments we where going to use these pre-approvals for. So I finally applied on are some time around XXXX  and I got denied for two credit cards and a personal loan. I was distract, I was very angry and I felt decived. I was markted to for months, so credit karma told me that I was pre-approved this was a LIE. I was servely stressed out, I was nauseous for weeks, I had XXXX  so bad I became antisocial. My XXXX  went from XXXX to XXXX now everytime I see pre-approvals I immediately close my phone and shut it off. This has made me so uneasy and XXXX  that i haven't checked my credit as frequently.
Consumer complaint received 2024-09-13
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: EQUIFAX, INC. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2022-07-18
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. (NC)

I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX Balance : {$12000.00XXXX XXXX XX/XX/XXXX XXXX F XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-13
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: EQUIFAX, INC. (NJ)

I am filing this complaint because I have identified an unauthorized hard inquiry on my Equifax credit report. Specifically, a hard inquiry was made by XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/year>. I did not provide consent for this inquiry, nor did I apply for credit or financial services from this company during the relevant period. 

I have previously contacted Equifax to dispute this unauthorized inquiry, and they responded by stating that " inquiries are a factual record of file access and will remain on the Equifax credit file per two years. '' This does not address my dispute. Under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), hard inquiries can only be conducted with explicit consumer consent, which was not given in this case. 

This unauthorized access to my credit information is negatively affecting my credit score, which could impact my ability to obtain credit in the future.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My wife was trying to set up our new XXXX XXXX, when trying to set up XXXXXXXX XXXX XXXX she entered something wrong and a phone number popped up to call. She called it and the scammers acted like they were XXXX customer service and asked for her debit card info to verify it was our account. They said no money would be charged but almost instantly they charged the account {$200.00}. I recognized this was a scam and cancelled her card, they tried to charge again later that day but since the card was cancelled it did not work. I disputed the first charge with my bank the same day but they said we gave them the card number so they can do nothing about it and we lost {$200.00}. This was on XX/XX/2022.
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (CA)

Hi I buy a prepaid gift card from XXXX XXXX and I add {$500.00} in that card, but when I check balance in that card showing only XXXX, and I am calling help line no one is helping me I send by fax card detail and receipt proof of add {$500.00} but no one up to date contact me, whenever I called help line only saying apologies but no one help me and I saw review about this gift card all peoples are suffering look like this company is scammer and fraudulent
Consumer complaint received 2023-08-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, I have not received any responses from the credit bureau. There are so many confusing parts to my credit reports and over 10 items have discrepancies between the reports from each credit bureau. I feel like I'm being ignored.

Section 611 ( a ) it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Now that its been more than 30 days those items should be deleted immediately. After being informed that my information has been leaked by the Equifax data breach, I have very little trust over the credit bureaus and this has seriously led me to consider taking legal action.
Consumer complaint received 2023-10-23
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (FL)

I had a direct deposit on XX/XX/2022 that was sent to my cash app in the amount of XXXX from my employer XXXX  the total amount that should have been direct deposited into my cash app account shouldve been XXXX. Cash app shorted me {$200.00} and refuses to rectify the situation I contacted XXXX  XXXX  said they sent the correct amount
Consumer complaint received 2020-07-16
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. (MD)

I have repeatedly informed Equifax -- via letters and phone -- about credit inquiries, which I DID NOT initiate or authorize, that continue to appear on my report. 

Equifax has consistently failed to rectify this problem, and my credit rating and ability to obtain legitimate credit has suffered. The following false credit inquiries must be deleted : -- XXXX XXXX, XX/XX/XXXX -- XXXX XXXX XXXX, XX/XX/XXXX -- XXXX ( no date ) -- XXXX, XX/XX/XXXX -- XXXX, XX/XX/XXXX -- XXXX, XX/XX/XXXX
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

capital one recently reported my account as 90 days late to XXXX, XXXX, and XXXX. The account has been closed for more than 2 years, and was included in my bankruptcy.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NM)

First, I have TRIED to contact Experian directly -- over twenty ( 20 ) times -- but ALL that they now have is several infuriating " customer service numbers '' : NONE of which leads either to a real person, or any of their canned menu options relating to my problem, below. 

Second, I was simply trying to place a " one time use '' release on my Experian " Security Freeze ''. Their website is great -- it allows you to fill out a form to do exactly this. The problem of course is that IT IS NOT WORKING AT ALL! 

Third, so, still, no problem, right? I simply call one of their numbers to talk with a real person to solve this problem, right? SEE NUMBER 1 ABOVE -- THERE IS NO ONE 'AT HOME ' ANYMORE AT EXPERIAN !!! -- one of the 3 MAIN credit reporting agencies in the U.S.!!!