davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Oklahoma Student Loan Authority (IL)

My Servicer sent inaccurate information about my loan to the credit agencies. The Biden Administration extended the pause on student loan payments through XX/XX/2022. This means that no payments are being processed. I am also still in school and have deferment as well until I graduate. I am also being approved every semester for loans without any credit issues yet my Servicer reported that they decreased my credit limit to the credit agencies for NO REASON. Attached is what the credit agencies are currently showing me what my Servicer Osla, falsely reported.
Consumer complaint received 2021-08-07
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. (SC)

This dispute is due to XXXX  and other credit bureaus such as Experian and XXXX  using my consumer report unlawfully. Pursuant to 15 usc 1681b ( 2 ) a consumer report is to be in accordance with written instructions of the consumer to whom it relates. I never gave transunion or any other credit bureau for that matter, permission to furnish anything on my consumer report. I, the consumer, in fact never agreed to contract with transunion or any credit bureau. I have never agreed to do business with any credit bureau. Therefore, I am a victim of identity theft being that transunion and other credit bureaus are sharing and reporting my information unlawfully. Also pursuant to 15 usc 1681a ( d ) ( 1 ) a consumer report means any written, oral, or other communication of any information by a consumer reporting agency. Furthermore, according to 15 usc 1681a ( d ) ( 2 ) ( B ) under exclusions from a consumer report, it states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Being that my social security credit card was used in ALL the transactions on my consumer report, I demand that all accounts be excluded from my consumer report IMMEDIATELY.
Consumer complaint received 2021-08-06
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)

there are several accounts showing wrong information on all three of my credit reports. I have disputed these inaccuracies with all three bureaus and they refuse to remove them. Instead they are continuously updating the information in their system. I am one of several consumers who's information was apart of the XXXX  data breach.
Consumer complaint received 2021-08-06
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: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-06
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: Santander Consumer USA Holdings Inc. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I was denied credit. I requested a copy of my credit report and discovered I am the victim of identity theft. I tried contacting the the credit bureaus but could never get through to speak with an agent. XXXX XXXXXXXX this is not mine, XXXX XXXX XXXXXXXX XXXX XXXX this is not mine, ( 1 of 3 ) XXXX XXXX XXXX XXXX this is not mine, ( 2 of 3 ) XXXX XXXX XXXX XXXX this is not mine, ( 3 of 3 ) XXXX XXXX XXXX XXXX this is not mine, XXXX XXXX XXXXXXXX XXXX XXXX this is not mine, THESE ACCOUNTS ARE FRAUDULENT AND ARE NOT MINE. Also these inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXXXXXX. My person information is as followed Name : XXXX XXXX, Year of birth:XXXX, My address is : XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX none of the other personal information applies to me and should be updated. Please Help Me.
Consumer complaint received 2018-12-05
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: Bread Financial Holdings, Inc. (NV)

XXXX  has been non-compliant with removing the unverified account XXXX Date opened XX/XX/2012 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX   was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-07-21
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. (IL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-08-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I received a text message alert to my phone asking did I authorize a XXXX transaction in the amount of {$3500.00} I replied NO. I then received a call from a Bank of America phone number, same customer service number on the back of my card. He went into great detail about a person having access to my personal information and the fraud department is starting an investigation. Immediately i was placed in a state of panic so I logged into my account to follow the protocol in which he stated to return the funds. I followed the steps Im which he claimed to be adding the funds back into my business account through XXXX making me add myself under my business name as a recipient and sending {$3500.00} when I went back to my account balance and noticed the funds were missing instead of deposited. I hung up before he instructed me to wipe out the rest of the funds! I contacted Bank of America and they started a dispute which I was told could take up to 45 days! I then contacted XXXX while the transaction was still processing. XXXX stayed they could not do anything and referred me back to my bank. I also contacted XXXX XXXX  where the money was sent. I explained everything to them and they stated the only thing they can do is wait to hear from Bank of Americas fraud department. I spent a total of three hours going back and forth being transferred around giving the scammer ample time to shut down this account and disappear. Finally I contacted Bank of America in tears because part of the funds they took was a loan I had just received from a small business funding company for covid relief and I was preparing to get things back going that weekend. I explained this since of urgency to Bank of America but ultimately they went on some length about the scammers privacy rights and blamed myself, the victim for initiating the transaction. We as consumers feel safe and secure with our banking facilities thats the reason we choose them as our financial institutions in the first place. I felt attacked when I had already essentially been robbed. My business, my credit, and my livelihood is on the line and all I received was fake apologies and left helpless to wait and hope the scammer returns the funds.
Consumer complaint received 2021-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted Transunion, XXXX  and XXXX  regarding some collections on my credit report. 
I started sending letters on XX/XX/XXXX and then another on on XX/XX/XXXX, XX/XX/XXXX, I have yet to get a response, The only thing that shows is that my account is in review on all three credit bureaus. I have asked for verification, not one letter was sent back verifying these alleged collections. However its going on 4 months and the items below are still listed as verified.

On my XXXX  they even listed collections two and three times. 

Transunion XXXX XXXX XXXX - Open balance {$2800.00} XXXX XXXX Open balance {$820.00} XXXX XXXX XXXX Open balance {$530.00} & {$220.00} XXXXXXXX XXXX XXXXXXXX XXXX Open balance {$520.00} XXXX XXXX XXXX Open Balance {$220.00} XXXX  XXXX XXXX XXXX Open Balances {$2800.00}, {$20.00}, {$18.00} XXXX XXXX Open Balances {$540.00}, {$350.00}, {$200.00}, {$180.00} {$95.00} XXXX  XXXX XXXX XXXX Open Balance {$14000.00}
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I opened a Santander checking account under a bank promotion on XX/XX/2022. The promotion stated that I would get {$400.00} for having direct deposits totaling {$6000.00} or more within the first 90 days and an additional {$200.00} for maintaining an average daily balance of {$6500.00} or more for the first 90 days of account opening. 

I opened the account in branch and told the representative that I had previously had an account with Santander so I wasn't sure if I qualified for the promotion. The representative told me that because I had an account last year and this was a new year it was ok and I qualified for the promotion. 

Towards the end of the 90 days on XX/XX/XXXX, I called Santander to confirm I was on track for the bonus and they confirmed I had met the direct deposit requirements so far and as long as I kept the funds in through the 90 days ( XXXX ) I could expect it in the first week of XXXX. 

I did not receive the bonus last week and so I called Santander again today and they said I did not qualify for the promotion because eligibility was not based on calendar year as the bank representative had initially told me, but rather on a rolling 12 month period. I was very upset and told them about both of my prior conversations, but they said they could not honor the bonus because I had owned an account within 11 months and not 12 and that I had been misinformed when opening the account. 

When I tried to escalate this with the representative, they said they were having technical difficulties and I would have to call back to speak with a supervisor. I tried calling back but the representative had no notes on the file and wanted me to explain everything all over again. 

I am very upset to have been misled to deposit a significant amount of money with Santander for an extended period of time with the expectation that I would receive a promotional bonus, but when it came time to pay they changed their story. This is not a one-off case of one employee being misinformed or " new '' as the last customer service agent suggested because 2 people at the bank on separate occasions said I was good to get the bonus. If I had been properly informed by either representative I would have never kept my money there, redirected my work direct deposit there, etc.
Consumer complaint received 2021-08-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX failure to accept Federal Truth In Lending Act Striking a balance : when to extend the right to rescind under three years which occurred between XXXX XXXX and me. The the XXXXXXXX XXXX XXXX XXXX tow my car for a ticket. Was been forced to paid {$3500.00} with legal reasons. I informed XXXX XXXX. We both agreed that they would get the ticket paid for at {$350.00} and agreed to renegotiated contract attached voided the original car note as a provision. 

That contract was executed and XXXX XXXX reporting deragotory information on my credit up to date. They have the car and was released of all debts with proof attached.
Consumer complaint received 2023-07-12
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2021-10-19
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. (WV)

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2021-12-25
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: Experian Information Solutions Inc. (TX)

I noticed fraudulent accounts on my consumer report. The major XXXX credit bureaus, XXXX, Experian, and XXXX are not upholding the law with 30 days to comply. I've sent in disputes and they're not responding to the investigation. I have not received investigation status or results.
Consumer complaint received 2021-08-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (NJ)

On XX/XX/XXXX, I was short cash due to recently moving, and I had no money. My credit was taking a hit due to all the expenses I was taking, I could not get a conventional loan. I asked for a {$1500.00} loan to tide me over. Unfortunately, to my error, I did not read the contract involved, and I was glad to have money. I didn't realize that their interest rates were over 300 %. My account was credited for {$1500.00} on XX/XX/XXXX. 
For a {$1500.00} loan, they were expecting me to pay less than {$5000.00} by the end of XXXX. For {$1500.00} borrowed, these scumbags took three amounts of {$270.00} on XXXX, XX/XX/XXXX, and XXXX, making a total of {$830.00}, 55 % of the amount borrowed paid back to them within six weeks of the deposit. They want roughly {$4000.00} more back by XXXX for {$1500.00} wired to me in XXXX. As a result of these payments to these pieces of CRIMINAL SUBHUMAN XXXX, my XXXX rent for my apartment is not yet paid in full, and I worked very hard to get this apartment.. 
These terms are excessive and criminal, and I should not have to be financially crippled over a {$1500.00} loan, with 55 % of the amount borrowed taken out of my account within six weeks. I tried to renegotiate the terms, but they said that all terms were non negotiable Because rent is late and I do not want a repeat of this, and I closed my bank account to get a new one. XXXX XXXX is a piece of criminal subhuman trash that hides behind an XXXX XXXX  to hurt people. Given that half of the amount borrowed was paid back, I want to renegotiate the terms of my remaining balance...
Consumer complaint received 2021-08-07
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Ive contacted XXXX  Chex systems sent all identifying documents over 5 times EXPLAINED IN CLEAR LANGUAGE WHAT IM DISPUTING ETC AND NOTHING WAS NEVER DELETED THIS WAS OVER 3 months ago by law they have 30 days it was well over that time frame I keep checking my report they have the same fraudulent items & inquiries on there even after I sent my police report theft affidavit etc I specifically itemized and circled the items that need to be removed including fraudulent inquiries this is unacceptable Chex systems have me flagged so I cant open a basic checking account they need to remove that ASAP or Ill keep complaining
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I was denied credit. I requested a copy of my credit report and discovered I am the victim of identity theft. I tried contacting the the credit bureaus but could never get through to speak with an agent. XXXX XXXXXXXX this is not mine, XXXX XXXX XXXXXXXX XXXX XXXX this is not mine, ( 1 of 3 ) XXXX XXXX XXXX XXXX this is not mine, ( 2 of 3 ) XXXX XXXX XXXX XXXX this is not mine, XXXX 3 of 3 ) XXXX XXXX XXXX XXXX this is not mine, KXXXX XXXX  XXXX XXXX XXXX this is not mine, THESE ACCOUNTS ARE FRAUDULENT AND ARE NOT MINE. Also these inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My person information is as followed Name : XXXX XXXX, Year of birth:XXXX, My address is : XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX none of the other personal information applies to me and should be updated. Please Help Me.