davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MA)

I am one of the many that has been working hard to free themselves of the student loan burden. I finally reached that milestone - at least I thought I did. I paid the remaining balance in full ( {$19000.00} ) on XX/XX/XXXX. However, my credit reports are showing that I still owe that amount to XXXX XXXX XXXX, whom transfered the loan to XXXX XXXX ( see below ) XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ), the lender of your Private Education loan ( s ) ( XXXX, XXXX, and/or XXXX XXXX  ) and doing business as XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXXXXXX XXXX  XXXX ), will soon transfer the servicing of your Private Education XXXX XXXX XXXX ) from XXXX XXXX XXXX to XXXX XXXX ( a division of Nelnet Servicing , LLC ), NMLS ID # XXXX. The effective date of your loan transfer will be XX/XX/XXXX, which means that after this date XXXX XXXX will be handling all servicing activities for your Private Education loan ( s ), including payments, inquiries, and credit reporting I contacted both companies and could not get either to help resolve this issue. I should be free of any obligations to either these companies, however, I am on back and forth phone calls on who is responsible for resolving this. Please help me with this situation I am in.
Consumer complaint received 2024-01-31
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. (CA)

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
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. (MO)

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 on 09/30/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-30
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 — Investigation took more than 30 days
Company: Grow Credit Inc (PA)

Grow Credit INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-12-14
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. (FL)

I took out a loan in XXXXXXXX XXXX XXXX, The loan is showing up on other reports and for id verification, which verifies it is part of public record. The lending company has submitted my documents 4 times to the reporting agencies, with my payment updates but I have yet to see the loan reflected on my reports. I have now paid off my loan and still no reflection on my reports. Experian credit agency is under fire for not reporting the report May u please investigate this problem & take matters of making sure this reports please thanks. I have uploaded all the files. By law you must have this report reported on my records
Consumer complaint received 2022-10-31
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 XXXXXXXX XXXX has violated my rights. Or list of inquiries 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 2022-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

Because of bsi financial at this time my home owners insurance policy has lapsed. I pay my mortgage payment on time every month, including escrow. They are incompetent and say they couldn't figure out how to pay my insurance ( even though i have had had multiple other mortgage companies in tge last 10 years and they figured it out just fine ) and because of this my policy has lapsed. I was never contacted once during this time as i could have easily resolved this. The only thing I received was a letter stating this after my policy had lapsed. Now with the quotes I have received so far I am out of pocket more money each month and they are unwilling to take any responsibility or make this right. Their only answer was to find another policy regardless of price by XX/XX/XXXX or they will purchase a policy for me.
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

Someone opened at Macy 's credit card in my name and I've never shopped at Macy 's in my life. I received a letter in the mail saying I had a balance to pay. When I called Macy 's today, they told me to submit a claim on this website. 

I would like this to go away and not affect my credit score.
Consumer complaint received 2022-10-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CT)

Chase sent me a letter dated XX/XX/19 saying they're closing all of my accounts, without giving me a reason, after absolutely no wrong doing on my part. 

They're telling me I need to close the checking and savings as well as the credit cards but somehow the brokerage accounts are ok? I need an answer as to why they're creating this storm for me. There is nothing at all fraudulent about my life I've been a full time employee of companies my entire career.
Consumer complaint received 2022-10-30
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: SYNCHRONY FINANCIAL (NV)

On XX/XX/2022 I purchased a round trip airline ticket from XXXX XXXX ( XXXX  ) using PayPal Credit financed by Synchrony Bank for myself ( {$1100.00} ) and purchased a ticket for wife ( {$1000.00} ) using XXXX  credit card. The flight is on XX/XX/2022 from XXXX XXXX ( XXXX ) to XXXX ( XXXX ) with a layover in XXXX XXXX ( XXXX ). The XXXX to XXXX flight is fulfilled by XXXX XXXX ( XXXX  ) an affiliate of XXXX. Sometime first week of XX/XX/2022, XXXX cancelled their flights from XXXX to XXXX with no other available flights that will connect me on time with the XXXX to XXXX flight. To cut the story short, after a 2 day phone tagging with XXXX and XXXX, I had the ticket cancelled instead. I filed a disputed charge with Synchrony bank since XXXX  and XXXX  are pointing fingers to each other on who should refund the money ( I also requested a refund from these two airlines ). SynchronyXXXX  kept on insisting that the purchase is legitimate and so they can't give me a credit. I told Synchrony/XXXX  XXXX I'm not disputing the legitimacy of the purchase but the services I purchased can not be fulfilled ( undeliverable services or deffective goods ) since the XXXX to XXXX  flight was cancelled and no available flight can be find on time with the XXXX  to XXXX  flight XXXX Attached is a screenshot from XXXX  and XXXX  website showing our flight from XXXX to XXXX  is still cancelled.
Consumer complaint received 2022-10-30
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. (NY)

was naver late i hade no balance when i returend my car, theycame up after returning the car that i need to pay additional {$2800.00}, it was paid on XXXX out of my account, i gave in this comlaint already and thay took it off, and now they report it again on my credit,
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX XXXX XXXX ) {$400.00} Date Opened : XX/XX/2023 Disputed previously and the account was sold to another collection agency after being disputed and removed. 

XXXX XXXX XXXX ( XXXX ) {$420.00} {$250.00} {$600.00} Date Opened : XX/XX/2023 Disputed previously and the accounts were sold to another collection agency after being disputed and removed.
Consumer complaint received 2022-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been requesting information from XXXX XXXX be removed from my report. They removed 2 accounts from my credit due to not be able to verify them, but they recently added them back which is illegal. Once something is removed you can not add it back. They did this on my transunion report between XXXX and now. For account beginning XXXX, on my Transunion it shows the account was opened on XX/XX/XXXX and show date of last activity as XX/XX/XXXX and the original creditor as XXXX XXXX and on my XXXX, it shows Date opened as XX/XX/XXXX, date of last activity XX/XX/XXXX. This is definitely not my account and is blantantly obvious that it is inaccurate. How can an account be opened on XX/XX/XXXX with the date of last activity showing as XX/XX/XXXX. I submitted a previous dispute with XXXX XXXX due to the fact that this was not an account of mine and because XXXX  has not been accurately reporting my accounts and updating my report. On my XXXX  report this same account is showing date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. I ask that they verify and validate this account by providing an original contract with my handwritten signature. The next account with XXXX begins XXXX. On my Transunion report it shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. For XXXX  this same account shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. The same account shows on XXXX with a date opened on XX/XX/XXXX, date of last activity XX/XX/XXXX. You can not have a date of last activity that comes before the date the account was supposedly opened. This company has been purposely padding my reports with incorrect information. The more I dispute the inaccuracies, the more they pad my reports with fraudulent activity. The next account begins with XXXX with XXXX. On my TransUnion it shows the account was opened on XX/XX/XXXX, date of last activity XX/XX/XXXX, on XXXX it shows date opened XXXX and date of last activity XX/XX/XXXX and for XXXX it shows date opened as XX/XX/XXXX, date of last activity as XX/XX/XXXX. This is not my account as I have stated in every single dispute. This should show that they are inaccurately adding information to my report. The next account begins with XXXX on my XXXX report that shows date opened as XX/XX/XXXX and last activity as XX/XX/XXXX. Another account that is not mine. They did not even list the original creditor which proves they are adding information to my account that is fraudulent. None of these accounts have been verified and validated with the original contract with my handwritten signature.
Consumer complaint received 2022-10-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (MI)

I requested verification of their license to collect in Michigan and validation of alleged debts via certified mail. They havent provide me proof of their license. Around XX/XX/2022, they sent over XXXX such as medical bills that included sensitive medical procedures and medications prescribed. I have not signed a XXXX form authorizing the release of this medical information ( XXXX ).
Consumer complaint received 2024-01-31
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activities. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX CA 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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activities, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (PA)

My CHIME account was frozen on XX/XX/2022. I reached out to CHIME support and was told they would need to provide documentation including my ID and a selfie of holding my ID with the date in order to unlock the account. That was provided and I was told that typically my account would be accessible within 48 hours. After a week I reached out and was told that I was provided with incorrect information from CHIME support and that I also needed to provide my passport and a utility bill. That was provided. A week later after not having the account yet unlocked I was told that they had all necessary documentation to unlock the account and that I would need to be patient. That was XX/XX/XXXX. I have reached out to CHIME support via phone, email, and through their XXXX page and have been told that the time period is unusual for this review but there is nothing that they can do. Further I was told that I could not be provided a reason for my account being frozen. 

I would either like to have access to my funds or I am perfectly fine with closing the account entirely and having my funds provided.
Consumer complaint received 2022-10-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC. (NY)

On XXXX XXXX I visited XXXX at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and test drove a 2022 XXXX XXXXXXXX XXXX XXXX  that was priced at {$43000.00} after the test drive I informed the salesman XXXX XXXX that I was interested in purchasing the vehicle he then informed me that the vehicle would be ready for me by Monday XX/XX/2022. After filling out and signing the application ( which no copies were provided to me ) he walked away somewhere and after being away for a short amount of time he then returned to me and said that the process was taking a little longer than expected and that they were close to their closing time and told me to check back in with him. Due to the fact that it was a weekend and after him stating that the vehicle would be ready for me by XX/XX/2022 I waited until then to contact him only for him to tell me I was denied because my credit wasn't good enough.
Consumer complaint received 2022-10-29
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. (MO)

I mailed a letter certified back on XXXX XXXX making you guys aware of fraudulent information being reported on my consumer report. I received a response that the letter was not coming from me!! Listen my personal information was exposed in a Data breach and I believe it has gotten into the hands of the wrong person. After checking my annual credit report AGAIN I still notice fraudulent names, addresses, incorrect Social Security numbers, inquiries and accounts that were not transactions made by me. This needs to be deleted immediately!!
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-30
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: Experian Information Solutions Inc. (WA)

I faxed Experian 9 different credit disputes on XX/XX/2022 on XX/XX/2022 they emailed me that the investigation had been completed. 
Experian never Investigated nor did they forward the disputes to the vendors involved. 
Experian seems to think it's above Federal law.
Consumer complaint received 2022-10-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Michael Wayne Investment (PA)

Back in XXXX, my wife and I went searching for a vehicle as she needed transportation to take my XXXX  son to various XXXX. The sales guy there was extremely pushy with my and I, his assistant was extremely rude toward my son even making a remake about my son who was crying. This was all driving up my XXXX  trying to just get out of there. The sales guy ran both of our credits and said only I can sign for the vehicle, printed out a spreadsheet and showed us those vehicles. Then he only spoke with my wife, practically ignoring me until it was time to sign the paperwork and was basically hurrying me not really letting me review the paperwork. 

What they didnt tell me is that car loan was for more than what the car value was worth. I dont even know how that is possible with a car loan as it was a car loan???!!!