davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-02
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: Nelnet, Inc. (TX)

This company continues to violate the XXXX  Finance Code by not providing a surety bond for nelnet or themselves. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. 

This company has repeatedly failed to provided their right to lawfully collect in the state of XXXX. They are required to get a surety bond. No one had provided this which is required under the XXXX Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. XXXX  Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX resident. This company is fraudulent and illegally collecting in the state of Texas. I also do not show this credit bureau has a valid surety bond to collect in the state of XXXX. Nelnet hasn't produced info. 

I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. 

I have failed a complaint with the XXXX Attorney General 's office. Attached is the complaint for both companies.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am concerned to the point of complaint that two of the largest banks, Bank of America and XXXX, are discriminating against legal, law-abiding businesses to force them to comply with their product demands in order to do business with them. These banks should not be able to discriminate against businesses that sell a legal product ( guns ) that dont fit into their social philosophy. Today it is guns, but tomorrow it may be specific types of cars, as we all know that SUVs were demonized about 10-15 years ago. If large banks are allowed to discriminate against gun sellers and buyers, they can also discriminate against SUV sellers and buyers. Where will it end?. Too big to fail businesses that seek government bail-outs in hard times, should not be able to force their philosophy onto consumers when they no longer need government assistance. If banks are doing business in the public space, then they must provide their services in an equitable manner to ALL legal businesses.
Consumer complaint received 2018-04-29
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: AES/PHEAA (MA)

I ended up getting my XX/XX/2016 taxes compromised because they said my loans were in default status. The school closed and I was no longer responsible for the remaining debt on the account. Their has been an ongoing investigation for over a year and 2 months and my credit score is being effected because of it. US department of edu. is  showing a balance of {$3500.00}, and {$2100.00} when in fact I am not responsible for that. I would also like this and fed loan servicing taken off my credit report as those are both hurting my credit very badly.
Consumer complaint received 2024-10-12
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. (GA)

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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and 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 2018-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Well first I had a fraud alert on my account which should of disallowed anyone to access my report without my explicit permission. Well that didn't work and when I went to buy a car the dealership repeatedly applied to all these different companies without my permission. No one came to me and said, ok the first inquiry didn't go through may we try the next? They ran it over and over again without my permission until they got a company that would fund me. I want all of these hard inquiries removed from my account, I tried removing them using my credit reporting agency but I was told that the company had to remove it and most of them dont have an address. Please remove the following hard inquiries from my report that all occurred on XX/XX/2018. Thank you XXXX => - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX | Transunion => -  XXXX | XXXX => - XXXX XXXX
Consumer complaint received 2018-05-10
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. (PA)

Greetings, I have initiated a multiple disputes with EXPERIAN over the past few months to remove unauthorized/unknown Inquiries that they have failed to fully validated that I initiated. It has been well over the 30 days given for EXPERIAN to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to EXPERIANincluding my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized/unknown Inquiries belongs to me aswell. Below are the reporting Inquiries that should be REMOVED / DELETED from my EXPERIAN credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 4 ) XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX   XXXX XXXX  - Date Filed : XX/XX/XXXX 6 ) XXXX - Date Filed : XX/XX/XXXX 7 ) XXXX - Date Filed : XX/XX/XXXX
Consumer complaint received 2018-05-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (MS)

I dont know dates. But I have spoken with them a few times and they have me make {$5.00} payments then act like they dont get them. They told me after 6 or 9 months of consecutive payments I would be good and theyd help me further. After all that they started saying I wasnt paying. And then I get bills for {$100.00} and more payments to be made. The name is something education.
Consumer complaint received 2018-06-02
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: DISCOVER BANK (NJ)

Back on XX/XX/XXXX I received a text alert on my phone from Discover credit card about a {$710.00} purchase that occurred at XXXX XXXX XXXX XXXX in New York. Immediately, I knew there was something wrong because I was at XXXX and the last time I had used this card occurred three days earlier. 

I contacted Discover about the fraudulent charge and I informed the representative that this was a purchase I did not authorize at all. Discover informed me I would not be held liable under any circumstances whatsoever. 

Well, weeks passed by and I noticed that I kept getting more mail from Discover than I should have expected about more information needed on my part about a fraudulent charge. Well, I looked at my Discover statement online on XX/XX/XXXX and it turned out that I would be liable for the {$710.00} due to the card being used at XXXX XXXX XXXX XXXX and that it was in the vicinity of my residence. When I inquired about this situation to the Discover representative, that person cocked an attitude and accused me of " avoiding his phone calls. '' I never was in XXXX 's on XX/XX/XXXX at the time of the purchase and I never had the card on that day. I had already disputed this transaction and I do not feel happy about this situation. What I thought was a one-off incident that should have been rectified in one day has been an ongoing struggle, and now Discover is refusing to re-investigate under any circumstances. 

Please, I need help.
Consumer complaint received 2018-06-02
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: EQUIFAX, INC. (TN)

A credit bureau is required to respond and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. I faxed a dispute request to Equifax and XXXX on XX/XX/2018 and have not received any correspondence from them regarding my disputes, Due to the failure of XXXX and Equifax 's failure to respond the negative items that I have sent confirmed fax on XX/XX/18 must be deleted.
Consumer complaint received 2018-05-10
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: JPMORGAN CHASE & CO. (CA)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CHASE CARD Inquiry Date XX/XX/XXXX2018
Consumer complaint received 2018-05-10
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. (PA)

Greetings, I have initiated a multiple disputes with EQUIFAX over the past couple months to remove unauthorized personal information, addresses and employer info that they have failed to fully validated belongs to me. It has been well over the 30 days given for EQUIFAX to respond with validated proof to delete these unknown personal information per the Fair Credit Reporting Act. I have provided all requested documents to EQUIFAX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. Below are the reporting unauthorized/unknown personal information, addresses and employer info that should be Removed / Deleted from my XXXX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Employers : XXXX. ) XXXX XXXX XXXX : XXXX. ) XXXX XXXX XXXX, XXXX, PA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX
Consumer complaint received 2018-05-10
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (MN)

In XX/XX/XXXX, my partner and I were bumped from a Delta flight and were given over {$2000.00} in American Express reward cards ( 9 different cards with varying amounts from {$100.00} to {$500.00} ). We received the cards in XX/XX/XXXX. The expiration date on the cards is/was XX/XX/XXXX. Towards the end of XX/XX/XXXX, I was curious when exactly the cards would expire and I wanted to make sure that I used them prior to them expiring. I called the customer service line number on the back of the card and spoke with someone regarding this question. The woman I spoke with from American Express told me that the funds do not expire and that when the card expired, I could request a new card. She went on to say that there was no re-issuance fee. I gave her several card numbers for her to check and she said the same thing for each card. I asked her if I could proactively request a new card with a new expiration date and she said no. On XX/XX/XXXX, after the card had expired, I called Amex to get the cards re-issued. I was informed by a customer service rep that the cards had expired and there was nothing they could do about it. I was on the phone for over a hour with them and finally spoke with a manager who said that she would open a case and they would look into it. They apologized and said I might have been given the wrong information. I didnt hear anything for a few weeks so I called again and they said they would look into it. I called 3 additional times over the next few months and finally in mid-XX/XX/XXXX i was told that the case had been closed and that the cards terms and conditions still applied and there was nothing they could do. I again spoke with a manager who i told the story to and told them that I was not complaining about the terms and conditions. I was complaining about the fact that I was given bad information by their employee and suggested they go back and listen to the call from XX/XX/XXXX where theitr employee had misled me ( and caused me lose over {$1000.00} ). The manager said they would open a new case and I haven't heard anything since. I just don't think it is reasonable that they should have ZERO   accountability for giving out misleading and inaccurate information about the terms and conditions. Especially when it misleads consumers into losing a significant amount of money.
Consumer complaint received 2018-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

A credit bureau is required to respond and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. I faxed a dispute request to XXXX  and Transunion on XX/XX/2018 and have not received any correspondence from them regarding my disputes, Due to the failure of Transunion and XXXX  's failure to respond the negative items that I have sent confirmed fax on XX/XX/18 must be deleted.
Consumer complaint received 2018-06-02
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. (FL)

I sent requests from all 3 credit bureaus for several fraudulent accounts to be immediately and permanately removed from my credit report if the original contracts could not be provided to me showing that I did infact owe these debts. XXXX, XXXX  and Experian continue to ignore my request and have NOT removed these items from my credit report. These companies claim that these items have been verified yet have not provided ANY documentation to me, showing any of the documents that I requested as PROOF of proper validation and because of this, they are in clear violation of my rights as a consumer. I am requesting that these items be removed IMMEDIATELY or I will be contacting my attorney to file a lawsuit against these 3 companies for this violation as too much time has passed since these requests have been made and nothing has been done.
Consumer complaint received 2018-05-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (AL)

XXXX XXXX XXXX has continued to report inaccurate information on my credit reports each month. I have called inquiring about the account number associated with the account and they have sent me letters indicating that my account is closed and in satisfactory condition. As the months continued, I have checked my credit reports and this company is still reporting on my credit reports. So I called them and asked " why are they still reporting negative information on my account? '' She asked for the account number and I gave it to her. She said that this account has a zero balance and I told her that was correct and I have the letters that were sent to me showing that. I was put on hold and then she comes back and tells me that the account that I had has a new account number and has been sent to collections. First of all, how can I get a new account number and it's sent to collections when I have received information that my account was satisfied. On top of that, on my credit report, it shows that I have an original balance of {$3800.00} but I owe over {$7700.00}. This amount continues to go up every month. This company has deceived me and wants me to pay this amount of money in which I refuse to do because my account has been satisfied. They are unfairly reporting inaccurate information and this is detrimental to my credit.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Southern Management Systems Inc. (FL)

i had started receiving letters from this company that I have never done any business with and then I started getting phone calls from this company leaving messages on my phone I wish someone would make them stop i 'm trying to work an those calls are very annoying..
Consumer complaint received 2018-06-02
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. (OK)

I've been trying for almost 4 years to make Experian remove multiple accounts dating back to XX/XX/XXXXthat were opened fraudulently by someone who stole my identity. I made my first disputes on these account on or about XX/XX/XXXX with EXPERIAN AND XXXX AS WELL AS XXXX. I MADE THEM AWARE THAT I HAD NO KNOWLEDGE OF THESE ACCOUNTS AND XXXX  AND XXXX BOTH INVESTIGATED AND FOUND THE ACCOUNTS TO BE EXACTLY WHAT I SAID THEY WERE AND THAT WAS FRAUDULENT AND BOTH XXXX  AND XXXX REMOVED ALL ACCOUNTS FROM MY REPORTS ON OR ABOUT XX/XX/XXXX. I HAVE PLEADED WITH EXPERIAN TO REMOVE THE FRAUDULENT ACCOUNTS SINCE THEN AND THEY DID INFACT REMOVE ALL 6 FRAUDULENT ACCOUNTS ON OR ABOUT XX/XX/XXXX. SO I SUBMITTED AN APPLICATION WITH XXXX XXXX TO SEE ABOUT PRE-QUALIFICATION FOR A HOME PURCHASE ON XX/XX/XXXX AND TO MY SHOCK I RECIEVED A EMAIL FROM PRIME MORTAGE ON XX/XX/XXXX STATING THAT I COULD NOT BE PREQUALIFIED DO TO THE CREDIT REPORTS THEY HAD OBTAINED SHOWING THAT EXPERIAN HAD PLACED THE FRAUDULENT ACCOUNTS ALL 6 OF THE PREVIOUS ONES THEY HAD UPON INVESTIGATION REMOVED IN XX/XX/XXXX. SO I SUBMITTED PROOF TO XXXX XXXX IN XXXX TEXAS SHOWING THOSE ACCOUNTS HAD IN FACT BEEN REMOVED AND THEN I CONTACTED EXPERIAN AND ASKED THEM WHY THOSE ACCOUNTS WERE PLACED BACK ONTO MY CREDIT REPORT ON XX/XX/XXXX AND THEY REFUSE TO PROVIDE ME WITH THE ANSWER. I HAVE AGAIN PULLED XXXX, XXXX AND EXPERIAN IN DEPTH REPORTS AND XXXX  IS CLEAR WITH NO ACCOUNTS IN COLLECTIONS AND XXXX SHOWS I HAVE NO ACCOUNTS IN COLLECTIONS BUT EXPERIAN DOES IN FACT SHOW ALL 6 PREVIOUSLY REMOVED FRAUDULENT ACCOUNT WERE PLACED BACK ON MY REPORT AND IVE AGAIN ATTEMPTED TO MAKE CONTACT WITH EXPERIAN AND AGAIN DISPUTED THOSE SAME FRAUDULENT ACCOUNTS ONLY TO CONTINUE TO GO IGNORED. IM AT A TOTAL LOSE AS TO HOW THIS IS EVEN POOSIBLE OR LEGAL TO BE HAPPENING TO ME. IM A GRANDMOTHER STRUGGLING HARD TO TAKE BACK MY IDENTITY AND RESTORE MY CREDIT IN ORDER TO PURCHASE A HOME SO THE XXXX GRANDSONS IM RAISING WILL NEVER HAVE TO WORRY ABOUT NOT HAVING STABILITY IN THEIR LIVES WHEN IM NO LONGER ALIVE. IM TRYING TO INSURE THAT THESE BOYS WILL ALWAYS HAVE A HOME EVEN AFTER IM GONE. NOW TO BE DONE LIKE THIS IS SO WRONG AND ILLEGAL. ITS CAUSED ME MENTAL ANGUISH AND SEVERE STRESS WHERE IM NOT EVEN ABLE TO SLEEP SINCE I FOUND OUT ABOUT THIS ... .PLEASE HELP ME I DONT KNOW WHERE ELSE TO TURN TO GET THIS CORRECTED.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC (MI)

My owing {$200.00} to Pinnacle Credit Services showed up on my credit. IT WAS N'T MY BILL. Pinnacle told me that getting it removed would be shorter if I paid it. After I paid the bill they refused to remove it from my credit report. SO now I 'm out {$200.00} and still have a negative on my report.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"