davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

This is just getting old at this point. Experian is once again reporting improper information on my credit report that continues to drag my credit down but has yet to report credit payments made consistently on a {$22000.00} car that is {$9000.00} away from being paid off. They also still have not added that I have credit with XXXX XXXX XXXX and have paid off hundreds of dollars worth of equipment. But, once again they've managed to make another inaccurate claim that I owe XXXX wireless over {$1000.00}. THIS IS NOT TRUE and I have the paperwork to prove all of it. This collection activity was handled via XXXX who was the holder of the debt. This should have never made it to my credit report at all as a SETTLEMENT WAS ACHIEVED!!!!
Consumer complaint received 2022-02-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (CA)

In XXXX I graduated from XXXX XXXX XXXX XXXX with what I thought was a beautiful path ahead of me. Very long story short, despite overwhelming guarantees, my degree and experience at XXXX could not deliver on promises made. We were misled and manipulated by XXXX XXXX and XXXX XXXX XXXX XXXX a known bad actor, and we have been waiting years for XXXX to receive some sort of relief after getting ripped off - Where is forgiveness for us? There has been no communication from the XXXX about the denials. Why is XXXX taking so long? Why were we blanket denied with no clear reasoning after we fought tooth and nail via the legal system just to get out of the soul-crushing limbo the XXXX left us in for years? 

Up until recently my combined government and private student loans required monthly payments of {$1400.00} per month, it used to be {$1800.00}. Due to my household losing half its income during the pandemic I was able to fight to bring this number temporarily down to about $ XXXX. This is unsustainable, my private loans are crushing me to death. 

Between personal debt accrued just trying to make ends meet over the years and these student loans, I am constantly in a state of financial anxiety, just living paycheck to paycheck. I can not see a future where I own a home or feel secure in starting a family, and that is a horribly crushing feeling. Neither me nor my mother will be able to retire at this rate.
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. This complaint should not be closed at any time for authorization needed. As this submitted complaint with attached documents will be my written authorization
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Uplift, Inc (TX)

in XXXX an account was opened with the company Uplift , inc a loan company, and a loan of $ XXXX was taken out using my name, social security number, and date of birth. I was unaware of this account until XXXX of XXXX and since then have tried to dispute the account with XXXX to no avail. I have also contacted the debt collection agency, ( XXXX XXXX XXXX XXXX ) that is now in charge of the account and they have only offered to reduce the balance owed forcing me to pay off a fraudulent account in order to have it removed from my credit report. 

Contact info for XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX FDCPA XXXX XXXX violation misleading false reporting
Consumer complaint received 2022-02-10
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my two year old daughter PLEASE HELP ME PLEASE
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: AMERICAN EXPRESS COMPANY (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and XXXX XXXX this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

An account is reporting to my credit file under XXXX as a secured credit card with a maxed out balance, open and always paid on time. This account is now paid in full, closed and always paid on time. Attached to this complaint is a copy of my last credit card statement from XXXX showing the account is now paid in full, closed and always paid on time.
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX BANK Account Number : XXXX Please remove it from my credit report.r
Consumer complaint received 2022-02-10
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. (TX)

I reached out to XXXX and Transunion today XX/XX/XXXX via phone call. XXXX had me on hold and transferred me XXXX  times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. I want all invalid accounts and incorrect account information to be corrected immediately.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX I evaluated my XXXX Credit Report and noticed several inaccuraries related to reporting information. Specifically, Navy Federal is reporting several late payments that are not accurate. Below is a copy of transactions. 

NAVY FEDERAL CR UNION Closed 51 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XXXX XXXX, XXXX Credit Limit - {$1300.00} Payment Info Status Paid, was a charge-off Status date XXXX XXXX Past due amount - Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX View less XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO XXXX - - - - - - - - - - - On Time CO Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

On XX/XX/XXXX my Cash App debit card was declined due to no funds. After further inspection I noticed several fraud charges on my card. Within an hour and XXXX the criminals had used my card 5 times all in XXXX and XXXX MA XXXX I live in XXXX, TX and did not authorize these transactions. I notified Cash App and the merchants the same day, but the charges still posted to my account and now Cash App is saying it is not fraud and that the card is 'secure '. The Cash App claim decision number they provided is XXXX. I tried to call Cash App and spoke with a customer service associate who hung up on me. No one is helping me get my charges reimbursed. I have since filed a police report with the MA police and the TX police. Also filed a report with the XXXX  today. Charges total {$1800.00} Please help! 

XX/XX/XXXX XXXX XXXX XXXX XXXX MA {$290.00} XXXX XXXX XXXX  XXXX MA {$100.00} XXXX XXXX XXXX XXXX MA {$530.00} XXXX XXXX XXXX XXXX MA {$840.00} XXXX XXXX XXXX XXXX MA {$100.00}
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX The above bank reported to Experian and other credit bureaus that my XX/XX/2018 mortgage loan payment was submitted late for account # XXXX. 

I made the {$4500.00} payment on time on XX/XX/2018, and the bank representative provided me confirmation number XXXX for the payment made on said date. 

I have attempted to correct information on my credit reports but XXXX XXXX XXXX XXXX XXXX continues to inform the credit bureaus that the information they provided is correct. 

I have had two investigations completed by Experian to no success. I have attempted to resolve the issue with XXXX XXXX XXXX XXXX XXXX also without any success.
Consumer complaint received 2022-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (AR)

I asked the company to validate and verify the alleged debt but they have yet to show me proof. The company also violated HIPPA Laws and violated U.S. Codes under the FDCPA The company sent me an itemized bill with medicines and procedures listed from a hospital, but they didn't send me a contract. The accounts need to be deleted and the invoice needs to be paid or I will file a claim against the company for Hippa violations and FDCPA violations. I will also ask for remedy, defamation, and other damages.
Consumer complaint received 2022-02-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Receivables Fund Incorporated (CA)

I forgot to pay off a credit card. I travel a lot for work. I was in XXXX working for the XXXX and when I got home this company XXXX took my to court and levied a judgement against me. All of a sudded my paychecks were being garnished and I could not pay my bills. 

I hired an lawfirm to handle the case but it seems they are really not interested in it and just wasting my time. I tried to offer them a settlement and they wanted not only what was owed but a XXXX time payment of {$3200.00}. Doing research I found this is a violation OF the XXXX. according to the guidelines it says that I should be entitled to Damages. 

I would love to speak with someone about this. 

Thanks XXXX XXXX
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XX/XX/2022 Consumer Financial Protection Bureau To Whom It XXXX Concern : I am writing to file a complaint against Experian. 

I recently disputed some inaccurate and damaging information on my credit report. First of which being Bank XXXX XXXX account number # XXXX I contacted the original creditor which told me I don't have a account with them. This Account doesn't report to any of the other bureaus XXXX or XXXX. Experian is solely report this inaccurate information. 
The next account was NY XXXX XXXX XXXX account number # XXXX... 
Experian is reporting a inaccurate collection this account has never been in Collections. Only Experian is reporting it this way no other of the XXXX major reporting bureaus. 
Experian is also reporting my XXXX open XXXX XXXX Bank accounts, account numbers # XXXX & # XXXX as closed. These accounts are open and the creditor has told me they are reporting such to all 3 major reporting agencies only Experian are reporting the accounts as closed. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SS # XXXX P.S I was trying to upload a copy of my dispute letter but I will post it in the fair resolution section
Consumer complaint received 2022-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (CA)

This is the nature of the complaint as written in a letter to Aargon Agency the second collection agency they sent after me. 

The Delinquency Notification sent to me by your office pertains to a medical bill from XXXX XXXX XXXX for an additional {$8800.00} of the original amount of {$16000.00}. I am disputing the additional amount due because it was deemed unreasonable and excessive in the amount charged to me by the provider using XXXX XXXX as an objective review process. The total billed amount was {$16000.00} and the reasonable amount according to the XXXX XXXX review should have been {$3400.00}. 
XXXX XXXX has already been paid {$7500.00} on this bill which is already in excess of the calculated reasonable charges for these services. 

The nature of the dispute is really the excessive charges the hospital charged me. It was a brief exam and imaging. I had fallen at home and hit my head pretty hard. The paramedics came and after evaluating my condition said that it was my decision whether or not to be transported by ambulance to the hospital since there was no one to take me. After I failed to reach my husband or sister by phone then the paramedics said that I no longer had the option to be transported and that they needed to have me transported. I really do not understand what I did or what happened to change their minds. Anyways, I was transported about 2 miles to the closest hospital for an evaluation. Thankfully, I was left with just a XXXX XXXX and a sore head but a HUGE {$20000.00} bill! The hospital bill was evaluated by a third party ( as stated above in the letter to both collection agencies. The third party evaluation showed " reasonable charges '' for a short evaluation and imaging performed was {$3400.00}. The hospital already received ( as stated ) {$7500.00} to determine I was " okay '' after my fall. I did not even need a ibuprofen!
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I need someone that can help me, I am deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations, I demand to see verifiable proof ( an original consumer contract with signature on it ) If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me distress, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.
Consumer complaint received 2022-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

On XXXX I took a loan from NET CREDIT. They directly deposited {$3800.00} into my bank. To date XXXX I've made 53 payments totaling {$5200.00}. The amount owed as of XXXX was {$3600.00}. The maturity date of the loan is XXXX where the total amount will be {$8900.00}. With a 235 % interest rate. That was not disclosed to me. This was the second loan I used NET CREDIT for. I paid off the first loan early so I didn't see any outrageous interest. I read an article that named them as the worst lender in VIRGINIA for over charging in hidden interest. They apparently don't disclose the total amount at maturity with the interest.