davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

On XX/XX/XXXX my payment to pay the remaining balance of my student loan cleared my bank. After I had made the payment a representative told me to to call back the following Monday to request a paid in full letter. When I did so I was then told it takes 30 days, so I waited 30 days and called back, at this time I requested if the letter had not been requested yet to please send a paid in full letter by mail. A week later I still had not received anything so I called to follow up, was advised a letter had just been requested on the XX/XX/XXXX which was several days after I had requested it however I said ok I will wait to receive it and call back if I dont have it in a week. A week later I received a receipt not a paid in full letter stating I would receive a paid in full letter within 45 days, so now I hears different time frame and I called to talk with a manager by the name of XXXX. I explained to her my frustration with getting a different answer every time and mention how this only confuses consumers and I was thinking about filing a complaint, XXXX seemed understanding and placed me on hold to speak to the department that sends the letters, she then gets back on the phone and tells me it could possibly take 45 to 60 days to generate the letter even though my payment had already cleared my bank, I again stated now I have a time frame in writing and being told yet again a different answer. She had said she apologized and since I mentioned filing a complaint she could do that on my behalf, I questioned this and she stated she could send me email confirmation the complaint had been filed. I NEVER received an email of this and to this day XX/XX/XXXX have yet to be sent a paid in full letter. This is absurd that a lender is so careless and does not send requested documents that they legally have to supply. This may be a reason we have so many issues with defaulted student loans is lenders dont give the required information and consumers get frustrated and dont want to deal with it. Also when this was reported on my credit report it did not do anything to positively effect my score, I am not sure how that portion works but would like it looked into.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I opened a savings account with Citi bank last month and my Account got locked and supposedly closed I sent XXXX everytime I call there costumer service they never help with the situation and always giving me another number to call I sent all my money there to last time I called I was told account would be closed and I would be sent a check now Im calling they say my account is just blocked I honestly just want my money so I can go back to my regular bank
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 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 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the second time I am writing about an issue with TransUnion. TransUnion is reporting that an account status is in " Collection '' in which is wrong. The Account is Paid and Close. I will Like TransUnion to change the payment status to Paid and close. I give them proof that the account was Paid in full and Close.
Consumer complaint received 2024-11-06
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. (MD)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date XXXX Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year> & XXXX Date of Inquiry XX/XX/year>
Consumer complaint received 2024-11-06
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. (MI)

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Consumer complaint received 2023-05-20
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. (TX)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Unauthorized inquiries remain on my consumer report despite documented identity theft claims. These fraudulent entries have caused direct financial harm, including loan denials. I have filed reports with the FTC ( documentation attached ) confirming my identity theft victim status.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Account name : XXXX  ACCOUNT NUMBER, XXXX XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2018-05-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I Recently reviewed my credit report and noticed i have more than a dozen reported late payments. In years past while I occupied the home for a very short time in XX/XX/XXXX at the time of purchase and the first few months of XX/XX/XXXX I in good faith made timely payments on the home. It was until after XX/XX/XXXX that I longer occupied the home due to relocation with my employer, XXXX XXXX XXXX XXXX. The situation at the time gave me very little time to find tenants as we no longer lived in the same city which in turn made it very difficult to rent out. As the months and years followed we came across tenants that would not pay on time or pay at all which resulted in the negative items. Being the only income for my family and living out of town it was my duty to take care of them first. My position in the line of work that i do does not allow for us to fall into such situations and can result in my question for suitability for employment. I tried on several occasions to see what the bank can do or assist with out it affecting my credit only to be turned down and advised that there wasn't much help for me. Due to medical reasons for my youngest daughter we were able to move back to our hometown and find a place to stay while we dealt with tenants. I somehow managed to catch up on the payments with my own savings but was still a difficult task. I do plan on keeping the property and have also since found reliable tenants that have not defaulted.
Consumer complaint received 2017-11-03
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. (CA)

On all the 3 credit bureau reports I can find unrecognized hard inquiries, accounts, and addresses. All the below mentioned accounts does n't belongs to me, either it 's an identity mismatch or a fraud. I have dealt with the bureaus many times but still no conclusion and every now and then I can find a new entry on the report without my consent. All this is impacting my credit score and making me worried about something suspicious. 

Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similarly, there are many hard inquiries which do n't belong to me. I need your urgent help, as I am dragging this issue from last 8-9 months and still the bureau investigation is not of good use to me.
Consumer complaint received 2017-11-06
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 (FL)

We are in a XXXX XXXX XXXX designated area ( XXXX XXXX XXXX , FL vicinity ). 

We applied for and were granted a deferred minimum payment grace period on our Bank of America credit card ending in XXXX. 

We have not received any payment deferment as of today ( Sunday, XXXX XXXX, XXXX ). When we call Bank of America XXXX XXXX at XXXX the Bank of America representative is not able to help us resolve the issue for deferred minimum payment.
Consumer complaint received 2024-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WA)

I made a payment of {$2700.00} on XX/XX/2023 to Edfinancial Services for my student loans, after I made the payment I i checked my account and it seemed like everything went through fine, but after graduation and I had my 6 month grace period I asked them if they still see my {$2700.00} payment. They say that they don't see my payment that I made. Even when I have proof of payment, I send the documents to them on XX/XX/XXXX. The email they send said it was going to take 10-15 but it has been over a month now and still no answer.
Consumer complaint received 2018-05-20
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)

Sent disputes to all three credit bureaus, asking for accounts to be verified, on who they spoke to, name of the person. Did not verify with no one, just sent letter back that says verified, tried to disput again, continue to receive letters stating they will not reinvestigate, even though they never provided me the information
Consumer complaint received 2017-11-06
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. (OH)

The following hard inquires on my account that are not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have sent out three letters stating the other addresses on my credit reports are inaccurate. They refuse to remove them, I have also contacted companies who said they have reported to Experian, XXXX and XXXX, but they still insist on not removing the addresses. Last letter dated XX/XX/18, my third try, I will act on suing them
Consumer complaint received 2018-05-20
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: SYNCHRONY FINANCIAL (AK)

I pulled my credit due to a recent fraud situation and found several credit inquiries that I did not authorize. I wrote letters to the companies and did not ever get a response back. These are not my inquiries and they need to be removed from my credit report. It is negatively impacting my ability to get credit and I will seek legal action if it is not resolved immediately.
Consumer complaint received 2018-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patenaude & Felix A Professional Corporation (CA)

On XX/XX/2018 I was served a summons to settle a debt. The summons was dated for XX/XX/2018 exactly a full month before I received any word of this summons. To top it off I was served on a Sunday when the courts are closed giving me no possibility to respond to the summons. I was not made aware of this summons in any way before the date to respond expired.
Consumer complaint received 2017-11-06
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: EQUIFAX, INC. (OH)

The following hard inquires on my account that are not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: International Computer Systems, Inc. (NV)

I sold my house in XXXX XXXX, and paid all the utilities in full. That was almost 2 1/2 years ago. On XXXX XXXX XXXX I was forwarded a collection letter asking for an additional {$180.00}, for which I had no clue who the creditor was or why. The collection letter was dated XXXX XXXX, XXXX, but sent to a very old address, and somehow, almost 3 weeks later, I received the collection letter. I asked the collection co to the details of the bill ( aka validation of the debt ), and gave them my correct address. On or about XXXX XXXX XXXX, I received a statement, and although I did n't believe the debt was owed, I agreed to pay it, providing that no adverse reporting to the credit bureaus were made. The rep assured me that it had n't, and that they do not report. I asked if I can call back after I verify my reports. I did verify my report a couple of days later, there was no adverse reporting, so I called the collection company to pay the ( disputed ) debt. I was then told that the day after I called to inquire about the debt, which was within a few days of reviewing the validated ( yet disputed ) debt, that they inadvertently reported negative info to the reporting agencies. I asked to be transferred to a supervisor. Her name is XXXX. She refused to acknowledge the FCRA, which provides me time to request and review an unknown debt. She insisted on NOT removing the adverse and premature reporting, stating that she is going by the date of collection letter which was XXXX XXXX, which I received XXXX XXXX, and the validation was received XXXX XXXX. She is wrong and violated my rights, and the law. I have since paid the bill, in full, and wrote letters to the credit reporting agencies with copies of the dated letters. 
The collection company is FIRST COLLECTION SERVICES in Arkansas.
Consumer complaint received 2018-05-20
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. (MI)

XXXX XXXX continues to report that I owe {$8900.00} to XXXX. This is not my account and I do not owe this account. I have disputed this information several times. This company is violation the Fair Credit Reporting act and I am entitled to a fair and accurate credit report,
Consumer complaint received 2018-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Services Association (SC)

Received an alert about a new collection account added to credit report XX/XX/XXXX that was not on report prior to then about collection on water bill that it said was placed in collection XX/XX/XXXX yet as stated earlier was not on credit report. I was not aware of this nor believe I owe this since I have never received any notification regarding this either via with a phone call or a letter. I moved out of the state in XX/XX/XXXX and put in a change of address yet still never received any notification forwarded to me. Never had opportunity to dispute or pay IF I really owed. Question required to proceed was company or collection agency who tried to contact you. I chose the collection agency on credit report even those they have not tried to contact me or I could not proceed with complaint since required field
Consumer complaint received 2024-11-30
Product: Credit card — Store credit 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 (PA)

I have previously contacted the CFPB about this same complaint, but now synchrony is claiming that I never sent the required documentation, then they change thier mind and said I never sent the item back. I have proof I did both an I still have not been credited the amount of {$31.00}. I have ample documentation from them that doesnt make any sense. I will provide below the proof I sent including an email to their CEO XXXX XXXX XXXX. Synchrony bank is giving me the runaround once again and I am going to also file a formal complaint and take them to arbitration as they have not followed the law, have not credited my account and also have not resolved the dispute in accordance with set fourth laws. They have also lied on numerous occasions and have told me there is no dispute opened on the account then they sneakily send letters claiming I never shipped the item back whereas there is a times stapm on the package inside of the Whole Foods where I sent the item back in XXXX, PA. I again have sent an email to their CEO and am also highlighting the letter and PDF from synchrony bank which further proves I sent the required documentation and sent the item back. See the yellow star with black circling their erroneous claim. Again I have ample proof I returned this item. Synchrony bank needs to be held liable for their behaviors not only to me, but to thousands of others. They should have read what I sent them in secure messaging which they told me to send. Next stop is small claims court and or consumer arbitration as I have ample evidence and proof of following their policy and have already returned the item and bought a new one to make my XXXX XXXX XXXX happy for his birthday. Synchrony bank, you not only made me upset, but you have made a XXXX XXXX XXXX upset as well. Why? Clearly you can see on my XXXX account I now have closed due solely to this transaction that I ordered a new one as this was my sons birthday present. I simply do not understand why you are being so brash and inconsistent. Not to mention you also have done this to thousands of others SHAME ON YOU!