davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (PA)

On XX/XX/2023 I received a call from an unknown number I answered the call and the women I think her name was XXXX stated I have an account with XXXX XXXX XXXX with a balance of {$2800.00} not the exact amount but I asked her why would she disclose that info with out me verifying I was the person they are asking for she was being rude stated I was not trying to verify I asked her simply why are u stating any info without being verified I asked for a supervisor and she was basically rude as well as iam trying to tell her what rep just did. I was not aware of the debt as I told her Ive been working on my credit score Im at XXXX she dated well if my credit is so good this balance shouldnt be a problem why dont I open up a credit card and pay this off is my credit is so good. Someone please reach ouT
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2015-09-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

Hello, We have a loan w/ HSBC and have been making payments since XXXX 2005, our original loan amt at that time was {$19000.00} and it is currently {$20000.00}. I have had to pay XXXX dollars in fees. I had paid the fees then told there were more, after review the new fees were removed. I wanted to see if there was someone that could review our acct as we are not understanding as to why our balance has in fact gone up. We feel that this loan is impossible to payoff. Thank you for your help!
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX ( XXXX XXXX ) # XXXX - IDENTITY THEFT XXXX XXXX Account # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I deposited {$10000.00} to Citizens Access savings account on XX/XX/2023. A few days later, I try to move more money into the account, to no avail. I call them and the customer service informed me that the bank no longer wanted to do business with me. He gave me no reason why. But I no longer could deposit or take out money from the account. He said the account would close in a few days and the money would automatically go back into the account it came from. Nothing happens, I do not get my money back so a few weeks later I call again, the guy says I have to wait a little longer but it will close and the money will be transferred. Again, no action is taken on their part. I called last week around XX/XX/XXXX and spoke to someone named XXXX who said my account was in the Frauds department ( no idea why its in the frauds department now! ) and theyre going over my account, she said she would put a note in my account to expedite the process. I call again yesterday ( XX/XX/2023 ) the lady I spoke to said they need proof of the bank account where the money came from before they can give me my money back. I fax them a copy of my statement. I am just beyond frustrated of not having access to my emergency fund for over 2 months. This must be an illegal practice to have my money held hostage like this.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: FMS Inc. (OK)

I get several missed calls and then when I do pick up I am hung up on and this time it was from phone # XXXX on XXXX @ XXXX pm XXXX. I called back and asked for a supervisor to find out why people are calling and hanging up on me and to the nature of the call as well. 

Repeatedly when I would ask a question I was responded to with a question. When I finally spoke to a " XXXX '' who claimed to be the supervisor he said he was with FMS and they are an asset management company. I had repeatedly asked if this is a " debt collection company '' for which again I would receive either no answer or a question back in response. 

This is very shady and deceptive to say the least and all I could gather from the call and from speaking to XXXX is that FMS is an asset management company and he said he was located in XXXX. 

I do have my call back to FMS and XXXX recorded and am more than happy to provide a copy by whatever means necessary. 

XXXX ended the call by asking if I wanted my number removed as if this was a telemarketing call. I told XXXX I am well aware of the FDCPA laws and and believe this is a collection call so I told him to " cease and desist '' not even knowing if in fact this is a collection call but simply due to the lack of information being provided by FMS XXXX XXXX, it just feels like a typical shady collector call.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MN)

I am unable to afford my SAVE plan payment, so I applied for a term based repayment plan that I could afford with NELNET on XX/XX/XXXX. I received an autoreply email that it would be processed in XXXX days. On XX/XX/XXXX, I received a bill for the original, unaffordable XXXX plan payment. I again tried to request a term based plan on XX/XX/XXXX and received the same auto response that it will be processed in 7-10 days. I spent several days last week on hold for 2-3 hours at a time to try to get an update on the repayment requests, but I never got a hold of anyone. I have a job and can not spend 8 hours at a time on hold. I have sent several emails via Nelnets web contact form requesting assistance and an update on my term based repayment requests, but I have only gotten automated responses to those as well. 

My payment is due on XX/XX/XXXX and I will not be able to afford it. I have been trying for over a month to get into a repayment plan that I can afford, but Nelnet has absolutely no customer service. If my payment is not made on XX/XX/XXXX, I could go into default and harm my credit score, despite my efforts to make a payment.
Consumer complaint received 2023-03-23
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. (NY)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (TN)

XXXX was informed XXXX XXXX that Discover card was reporting the wrong balances on my credit. After months Discover finally admitted that they were reporting the wrong balance, and that they were charging me for money that was paid to them and money that was returned to the count per unauthorized charges with interest intact. 

The {$1400.00} Discover has credited the account is a part of the inaccurate balance that they have been claiming was debt or credit to the credit bureau owed to them for months. 

When I asked Discover to admit this to the credit bureau they came up with excuses and lies telling me that their inaccurate report did not matter and for me to have creditors call them to let them know they made a mistake if I needed a loan. They have been recorded telling me that what is written in the credit bureau does not matter. 

I began not to trust Discover and have recording XXXX of everything they said to me, which confirms the accuracy of all that has been stated.,. 

The damage Discover card did could have been fixed early on if XXXX had properly disputed and researched the credit amounts that Discover stated they issued, when they did not issue nor ask my permission to increase my credit line. Discover card abused my trust. Discover literally took money from my bank and claimed it was credit issued to me by Discover then reported my money as debt to the credit Bureau, which is illegal and was never authorized by me.
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

Dear PayPal Customer Service, I am writing to submit a complaint regarding the permanent limitation placed on my PayPal account. I believe that this limitation was placed in error, and I respectfully request that you re-investigate my case and restore my account, if possible. 

Firstly, I would like to emphasize that I have not violated any PayPal policies, nor have I engaged in any activity that would warrant such a severe consequence. I have always used my PayPal account in good faith and in accordance with your terms of service. Therefore, I am confident that this limitation was a mistake. 

Secondly, I am aware that PayPal has strict policies and procedures in place to ensure the safety and security of its customers. However, I strongly believe that my account has been unfairly targeted, and I would appreciate a thorough investigation of my case. I am willing to cooperate fully and provide any necessary information to resolve this issue. 

Lastly, I would like to request that you restore my account to its previous status as soon as possible. As a longtime PayPal user, this has caused significant inconvenience and has impacted my ability to conduct online transactions. Additionally, the email address associated with my PayPal account is XXXX, which I hope will assist in locating my account. 

In conclusion, I respectfully request that PayPal reviews my case and considers reinstating my account. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, [ XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I claimed bankruptcy in XXXX of XXXX. It was XXXX in XXXX of XXXX. There was a mortgaged included in bankruptcy that was not reaffirmed, so nothing was to be reported after bankruptcy discharge in XXXX of XXXX. Upon checking my credit report and score, I noticed that XXXX is showing it's been 2 years since my last late payment, which is much different than 4 years and can significantly impact my credit score. I knew that was incorrect as I've not had a late payment on anything since bankruptcy. Upon investigating where that came from, they're saying that my mortgage company reported a delinquent payment in XXXX of XXXX. I contacted my mortgage company and the account was " discharged '' to credit bureaus XX/XX/XXXX due to bankruptcy as well as my account being paid in XXXX of XXXX on time even though it can't be reported due to bankruptcy. I have disputed this 3 times with XXXX and once with Transunion and XXXX, and even included documentation that the mortgage company gave me stating that there is no delinquent payment in XXXX of XXXX, but XXXX is closing my dispute as " remains '' each time due " The company that reported the information has certified to XXXX and Transunion that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' XXXX has updated and corrected it on their end. 

It should be 4 years and 5 months since my last late payment, not 2 years.
Consumer complaint received 2023-03-23
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 — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

My account was closed on the XXXX XXXX XXXX Due to recent account activity, XXXX XXXX XXXX has made the decision to close my account ending in XXXX
Consumer complaint received 2023-07-06
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. (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, 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 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I paid off an old account which was XXXX XXXX  card in XXXX. I submitted a paid in full letter 4 times to Experian and have talked to them regarding this 5 times. Each time Thier investigation says valid no change. So I call them up again and tell them it has been paid and the credit report needs to reflect paid And it still doesn't. It says collection and reports as collection I'm XXXX of this yr. How many times do I have to keep doing this. Since XXXX XXXX doesn't own the account anymore they can't do anything about it. It was also supposed to be removed from my report
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (SC)

I received an unexpected charge on my Regions Bank debit card for {$450.00} from a store I had not stepped foot in in three weeks. This odd charge caused my account to go negative. Regions Bank then charged me an Overdraft Item Fee of {$72.00}. 

This is not fair -- Regions and the store made the mistake in the first place!
Consumer complaint received 2015-07-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Genesis Lending (GA)

The company was through a school that is currently being investigated for misuse of funds, loans, education promises etc. The company was suppose to give me {$4000.00} for my student loan so that I can finish school and graduate, they did not. They also claimed that as long as I was in a college or school that all I would have to pay is {$20.00} a month, that did not happen. The more I kept tell the less they listened. After XXXX years I stop paying and request through the original school which was XXXX University online to tell me where my funds went I got no were. Also I was a victim of ID theft from XX/XX/XXXX-XX/XX/XXXX per the IRS so I am not sure being that they do not release their information on an open investigation. I was ripped off to a tune of over XXXX plus. Until today I do n't know if that organization or other are within that investigation, but I did file a police report and have that on file. I do n't like paying for something I never got, I do not work with in a financial institution so I do n't know what funds they kept or release because what was on paper was not what I received. I also had no problem paying the {$20.00} a month because even as we speak I am still XXXX. Been XXXX continuously since XX/XX/XXXX to present so I do n't know why they did not honor there agrement and raised my payment to {$70.00} a month when that was not the verbal or so call written agreement that no one can locate.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After doing a deep dive into my credit report I noticed a significant amount of inaccurate information. There were multiple accounts that reported with different dates and amounts. I even noticed some accounts I didnt recognize. I tried disputing these negative items with all three credits bureaus directly, but Ive yet to get any progress toward getting these items removed from my credit report. According to the 15 U.S.C 1581 Law there should not be any negative damages to my credit report, this is setting me back time to start my business. Back in XXXX of XXXX I noticed some of these items were on my XXXX XXXX and XXXX accounts so I disputed them online, if given the option to. However, every item was said to be verified by each company, some of which were collectors at that point. So I asked for the information used in the investigation to come that conclusion, in which that was never provided. On XX/XX/XXXX I contacted XXXX, XXXX and Transunion by phone to update my information on file and I provided them with my most up to date address and phone number. After this I pulled my full credit report and asked each bureau to deleted each negative item still reporting on my credit report, in which they still have not done so or provided information used to determine their decision. Ive prepared a letter of each item, the date and reason it needs to be removed. Ive also attached screenshots of my credit report where the information is inaccurate. I hope this information is helpful to you in the process of helping me getting these items removed. Thank you.