davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (PA)

Hello, I made multiple attempts to change my student loan payment. As it sits the payment is too high right now. I tried contacting the company several times. I sat on the phone for over 2 hours trying to speak with someone in XXXX and the assured me the new payment was being processed and it would be ready in 10 days. Here it is almost XXXX and they've done nothing. Tried contacting the company by email and they said they wouldn't respond for 30 days. 

This company is a ridiculous waste of taxpayer money. They make it impossible to pay back for people who want to pay back their loans, it's impossible to get anyone speak to anyone at the company. Where is the oversize? How can our government allow companies they hire to treat citizens in this way?
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (CA)

i am a regular consumer with several regular credit cards, a postal address, etc. I purchased a prepaid mastercard from XXXX 's ( XXXX ) in XXXX. I put {$200.00} on the card. I wanted to make a discreet online purchase, so I wanted to pay using the prepaid card so that it wouldn't show up on my bank account for other family members to see. 

Only once I open the card packaging, it informs me that I have to register the card online ( at XXXX  ). fine! that's okay, as long as they don't send me anything to my address. I put the 16-digit number into the webpage and it says there's a problem. I try again. I try again. I call the customer number. I wait 30 minutes on hold. the customer services representative informs me that the number has been used in a fraud and the ONLY possible way they can remedy the situation is to SEND a physical card to my address. Obviously, that's not an okay solution for me. To be clear, I don't mind giving my address to the website, but I absolutely don't want anything sent to my physical address. I discuss options with the customer services person. I speak to a supervisor. Nothing. it's as if they have had this conversation a hundred times before. 

I give up. I fume for a few days at my lost {$200.00}. Then I go and buy another card ( this time for {$150.00}, I found a cheaper online test ). I purchase from a different XXXX store, and use XXXX rather than XXXX. guess what? SAME THING HAPPENS. 

I'm now {$350.00} out of pocket ( plus purchase fees ) with the feeling that the gift card company knows exactly what's happening and loves taking my money and not giving it back.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to request the blocking and deletion of certain accounts and inquiries from my credit report. I am a victim of a data breach that exposed my personal information, making it vulnerable to unauthorized access. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following entries. 
Accounts : XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$590.00} XXXX. XXXXy - XXXX XXXX : XXXX - Date Filed : XX/XX/XXXX - Amount : {$0.00} Inquiries : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Please delete ALL allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question..I am not related to any of these companies and did not sign up for an account..I demand that you remove the accounts asap XXXX/XXXX XXXX, XXXX XXXX XXXX*, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX   XXXX, XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I have contacted XXXX XXXX XXXX XXXX about an account that should not be on my credit report. It has been over 7 years and they are reporting late payments continuously. They told me the account would be deleted in 2021. They decided to update information and report it to all credit bureaus recently. 

They are in violation of 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 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (NC)

I recieved an email on XX/XX/22, XX/XX/22 from Fortivia stating that my account contacts had been consolidated. Upon researching my account information I found out that a XXXX XXXX  had been opened up in my name. I only had an XXXX 's XXXX retail account previously opened with them. I contacted the company and spoke with at least 5 different accounts representatives. They tried to inform me that because of my excellent credit standings with them that I was selected for a XXXX XXXX with them. At no time did I ever ask for or request a XXXX XXXX from them. Nor did I give permission or authorization to apply for a XXXX XXXX. I do not want the card or it to affect my credit report in any manner.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AL)

I became aware of a negative knock on my credit in 2020 by a debt collector credence collection. They instructed me to contact XXXX XXXX XXXX XXXX to resolve issue. I contacted them and they explained to me that they were looking for a XXXX somebody at at XXXX XXXX somewhere. I have no idea who this person is nor do I know or have ever lived on XXXX XXXX XXXX I told them it was fraud. I then got back in touch with XXXX to explain the same. I then contacted the social security office to let them know my information had been taken to create an account for XXXX XXXX XXXX XXXX XXXX After many calls it was eventually removed from my credit. Until naturally right before Im going to purchase a house it popped back up. This time instead of XXXX XXXX  it was under XXXXXXXX XXXX. So I was back to the same thing. I contacted XXXXXXXX XXXX they wanted me to pay the debt to have it removed when I explained it wasnt mine I told them I couldnt do that out of principle. They did tell me I could talk to XXXX XXXX XXXX XXXX XXXX So I did again. This time doing it online. But in hoping to speed the process up I hired the national debt lawyers at XXXXXXXX XXXX After 3 months this issue was again resolved and off my credit. Until this month. Now its not XXXX nor XXXX its IC systems collecting the same amount looking for the same person at the same address neither of which I know. I filed a dispute with XXXX and called a dispute with XXXX. XXXX denied my dispute transunion said they would resolve it. XXXX site advised me to call the debt collector. I called IC systems and they asked for XXXX. After I told them I have no idea who that is, explained the whole situation they said they could no longer talk to me and I needed to submit my information here. So here we are.
Consumer complaint received 2022-09-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ARVEST BANK GROUP, INC. (FL)

I sold my house on XX/XX/2022 and the payoff amount of {$160000.00} was sent to Arvest Central Mortgage Company. Subsequently, this loan mortgage servicer sold my loan to another servicer XXXX XXXX instead of closing the loan and I am having difficulty with this new mortgage loan servicer to acknowledged payment and close the loan.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NH)

XXXX report XXXX Inquiry : XXXX XXXX, XXXX I did not authorize for them to do a hard inquiry on my report when we were discussing about home loans XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX Both of these I went to the branch and they signed me up for the wrong credit card I tried disputing them and got a letter but was never removed XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX I got a bunch of hard inquiries and got my credit ran a bunch for an auto loan XXXX Report XXXX XXXX XXXX XXXXXX/XX/XXXX Same thing from the XXXX report for the home loan did not authorize for a hard pull experian Same thing from the XXXX report for the home loan did not authorize for a hard pull
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX ran my credit without my permission i ask them to only run one bank and they ran my credit to various banks which has left me with multiple banks running my credit without my permission. My Identity has been comprised in which someone has been trying to take various lines of credit in my name. 

" XXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ) XXXX XXXX XXXX  ( XXXX XXXX '' " XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) '' " XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) '' " XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX '' ( XXXX XXXX )
Consumer complaint received 2022-09-23
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)

Bureaus are ignoring my request for correction of the disputed accounts. After I ordered my updated Credit Report, I noticed that the Credit Bureaus indicates that the disputed accounts ' dispute status are " Account not Disputed '' despite the fact that I have been disputing my Credit file for 5 months already. It makes me wonder whether the Credit Bureaus are really contacting the Creditors to investigate the accounts, or are they really conducting an investigation. Also this CFPB complaint is my 11th Complaint to be submitted still requesting that the Credit Bureaus correct the information they present on my Credit report. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$6000.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-01-30
Product: Credit reporting 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 recently received a copy of my credit report and noticed that there is an unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove the listed inquiry immediately. 
XXXX XX/XX/2022
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I received payment for a check from my employer for {$1800.00}. On XX/XX/2022 the bank reversed payment saying the mobile deposite was deposited twice. I have contacted the bank and they told to contact the company that issued the checks bank so that they can inciate an investigation. The company that issued the check told me they dont see the check was deposited twice and that they havent submit a reversal of funds. The bank is not telling me when the check was submitted twice and to which bank. If check was submitted twice, it shouldnt be honored because it had been already paid.
Consumer complaint received 2022-09-23
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. (NY)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-23
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. (IL)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity, I believe it was reporting in error. Here are the list of accounts that I want to correct as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-23
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. (CA)

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/XXXX, 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 XXXX OPENED XX/XX/XXXX BALANCE : {$350.00}, XXXX XXXXXXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {>= $1,000,000}.
Consumer complaint received 2022-09-22
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. (NV)

In accordance with the Fair Credit Reporting Act. The list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Actt # XXXX has violated my rights. 

XXXX5 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 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-09-23
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. (NY)

This is my second time writing you to update my personal information. I submitted a dispute on XX/XX/2022 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Upon a thorough review of my file, it has become apparent that the account under scrutiny is both incorrect and unverifiable. I am formally requesting TransUnion established procedure to address my specific needs regarding my file, personnel, insurance, and other pertinent information. It is imperative that this process be conducted in a manner that is fair and equitable to me, ensuring strict adherence to principles of confidentiality, accuracy, relevancy, and the proper utilization of such information in accordance with the law. 

I am specifically seeking a re-investigation of account XXXX XXXX XXXX, with a request for immediate updating. The reported balance of {$5800.00} presents multiple errors that have detrimental implications, encompassing inaccuracies in balance, payment history, and the date of the last payment. I urge XXXX to rectify these discrepancies promptly to uphold lawful accuracy. Alternatively, should accurate information not be available, I request the removal of the reported late payments in XX/XX/ ( 30 days late ) and XX/XX/ ( 60 days late ).