davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (SC)

The interim response from the Equifax company appears to be a canned response. Not even respond to the concern, which is number XXXX if you use the phone, it will not work. If you attempt to call many times, the phone still will not transfer you to a live person. So if you can not speak to a live person and the phone lines dont provide the information you need nor can anyone transfer you to a live person. How do you freeze an unfreeze credit? The phones need to work so that you can freeze and unfreeze credit or you need to speak to a live person if you need additional help phones will not transfer to a live person!
Consumer complaint received 2023-09-28
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. (FL)

In accordance with de Fair Credit Reporting act XXXX  accounts : XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, REPORT XX/XX/XXXX ( {$1600.00} OPEN BALANCE ) In accordance with de Fair Credit Reporting act XXXX  accounts, has violated my rights.

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

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (KS)

I enrolled in XXXX  school in downtown XXXX Wisconsin  in XXXX I got XXXX dollars I had another check but I never returned someone cashed the second check I tried several times to get information about filing a complaint hang ups no answering the phone or recording sound like a conspiracy here I've lost a lot through criminals working for the government I I'm inheriting this mess from my mother XXXX XXXX fraudulent government funds being. misused I've looked for information on blowing the whisle no one addressed this corrupted country I will be looking into. this situation
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Checkr, Inc (PA)

I tried more than 4 times to have my data deleted from their system but their online process to request deletion was cyclical and I could not make the request. I tried every option provided including a chat window but could not get to a place where I could request the deletion of my data.
Consumer complaint received 2023-09-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (FL)

I had a loan with one main and was charged more interest on add on features. I wanted those taken off and they were not. The loan has now been paid off but the interest for those add ons was unnecessary and caused an increase in payment monthly and with higher interest
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Self Financial Inc. (NJ)

PAY FOR DELETE REQUEST XXXX XXXX XXXX XXXX XXXX XXXX, NJ,XXXX Date : XX/XX/2023 RE : IN REGARDS TO THE FOLLOWING ACCOUNT Account Number : Original Creditor : Self/Lead Bank Amount Listed : {$96.00} Dear XX/XX/2023, I, XXXX XXXX, am writing this letter to offer your credit department the one-time offer to settle the alleged amount due for {$96.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. 
However, as I do disagree with the total amount owed I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to XXXX, XXXX, and XXXX XXXX Payment will be made to satisfy the payment made in-full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. 
If the above-mentioned items are able to be met I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days.

Feel free to contact me through one of the following : E-Mail : XXXX Phone : ( XXXX ) XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2023-09-28
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2018-06-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (NJ)

In XX/XX/2017, BBVA Compass bank was offering a bonus of {$200.00} when a consumer open a new checking account and make a direct deposit of at least {$300.00} within 60 days of account opening ; I opened " ClearChoice Free '' checking account in XX/XX/2017, and made 1st direct deposit within 60 days from account opening ; I have NOT received the {$200.00} bonus as promised ; I made numerous phone calls to customer service, there is no resolution on this issue ;
Consumer complaint received 2024-10-15
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : Dispute of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : Transunion inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX  did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-11
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. (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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  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  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX 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 XXXX 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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NV)

To Whom It May Concern, I have a XXXX 's XXXX XXXX XXXXXXXX Card managed by US Bank and no one returns my calls about this billing issue. My XX/XX/XXXX statement had a balance of {$250.00} and the due date was XX/XX/XXXX. I mailed a check for the full amount on XX/XX/XXXX, which was cashed on XX/XX/XXXX as per my bank statement ( XXXX ). On Monday, XX/XX/XXXX, I have received my new statement showing the amount for XXXX unpaid and a few extra charges related to the payment not being received. I have called the number on the statement ( XXXX ) and left a few messages and no one returns my calls. Furthermore, I find it disturbing that every time I called, it goes directly into a voice mail for a single person ; no life person ever answers my calls. I need assistance in resolving this matter, since on one will return my calls to resolve this matter.

You may contact me at XXXX, but I would prefer that you contact my nephew at XXXX. 

Thanks, XXXX XXXX
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Equifax must be shut down immediately. This disgusting excuse for a company is ruining the credit of good people. I was recently informed when I applied for a loan that I did not have any " real estate '' accounts on my credit with Equifax. I found this strange since I have a paid off mortgage with XXXX XXXX. I go on XXXX XXXX and pull my report and find that the mortgage is not classified as a real estate mortgage, rather just a regular loan. Of course, it's correct with XXXX. Equifax can't be bothered with correct information or the safety of consumer information. So I call in to Equifax and ask to speak with Consumer Affairs since I have had numerous problems with Equifax previously and this is who they told me to contact going forward. The person who took the call could barely speak or understand English and refused several times to transfer me. I told him that I would file a CFPB complaint stating that he refused to help me and he said that was fine. This is the type of company they are, absolutely no regard for the law. company. They hire people who can't perform even the most basic functions of their jobs, they ruin the credit of good people, and they get away with it.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (TX)

XXXX XXXX has made several charges to my card that were not authorized. Any attempts to speak with Barclay is met with a language barrier and is futile to exhaust these resources. 

I'm asking that this matter be handled immediately. 
XX/XX/XXXX : {$28.00} XX/XX/XXXX : {$96.00} XX/XX/XXXX : {$200.00} I made a purchase on XX/XX/XXXX " XXXX '' amd was required by XXXX to pay at the desk. At that time, they recorded my info and have charged me several times after my 3 day stay.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have contacted TransUnion on several different times including today XX/XX/XXXX. I Have been contacting them because I am a VICTIM of the " Inquiry Issue '' I have been trying to get this issue resolved for many months now. All i get is the run around and promised phone calls to have the Inquiries removed from my credit report. I you look at the dates on all of these hard Inquiries there is a pattern.

Here are a list of the Inquiries that were supposed to be removed but have not : XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX,XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX,XX/XX/XXXX) XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX ) XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX ) XXXX (XX/XX/XXXX,XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX   ( XX/XX/XXXX )
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (GA)

In XX/XX/XXXX I received my consumer report stating that My account was closed and paid for XXXXXXXX XXXX, which that information was correct. I tried to open another account due to the fact I paid them off and nothing else was on my report. I was then transferred to another representative stating that the account was not paid off and they need a receipt of the payment. I told them I no longer have access to the transaction which happened in XX/XX/XXXX-XX/XX/XXXX. The representative then says that she sees I paid it but the money was a returned payment. I advised that that could not be true. The issue is still not resolved and showing negative impact on my consumer history.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

About 1 year ago I froze my credit with all three beureus. I now Tried to temporarily lift The credit freeze with equifax so that XXXX XXXX XXXX could check my credit to start a new account with them. Equifax employees now say that they can not find my file, despite me providing all requested information ( freeze pin, ssn, address, etc ) Thanks, XXXX XXXX XXXX
Consumer complaint received 2018-06-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (NC)

I have been paying on this loan with NelNet for 13 years. The original loan was for {$16000.00}. I have paid {$13000.00} yet the current balance is {$13000.00}. Recently I began to pay the interest amt shown plus an added {$100.00} hoping to see the balance go down only to find that it went UP instead!

Since interest accrues daily, the moment I make a payment, it's applied in such a way that the principal rarely changes, then interest eats up whatever I paid.

I'm sure I'm just wasting my time in submitting this complaint but I'm XXXX  years old & my income is only SS. It's wrong that despite paying all these years, the loan balance has barely changed. That means I'll NEVER be able to pay it off. I can't get another loan to pay it off & from what I understand if I can't make payments, my SS will be garnished, meaning I can't pay my rent & utilities, etc.

Knowing that everyone who's a victim of this lender is in the same boat doesn't make me feel any better. Frankly, the Dept. of Education has done a great injustice to all of us XXXX  enough to take out a student loan.
Consumer complaint received 2023-07-18
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. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE SERVICE FINANCE XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX XXXX XXXX summary 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 XXXX Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

I have this collection on my credit report from XXXX despite never having used their services. I disputed the debt through XXXX but the company verified it even though it cant possible be my account money is owed on. 
Account Name ERC XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$4200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (VA)

This account continues to report on my credit reports after I have asked this company nicely to remove and delete from my credit reports due to the inaccuracy of the information. XXXX : 15 USC1681. The dates closed are different as well as additional information on this account.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (CA)

I made a paymment to my insurance compamy, XXXX, whixh was returned and not paid and was alsonot discosed to me at any time and there is no record of it on my staement. Furthermore, shortly after that time period I requested that my account be frozen because of fraud attemps that were clearly present as confirmed by a branch manager in XXXX XXXX, CA. My account was frozen as requested but then I was not allowed to have any information for seven months, being charged for the account the entire time and not being able to use the account while being treated like a criminal with refusal to communicate with live representatives on the phone, hanging up and cutting me off when calling without explanation even though I reminded them that I had been the one to freeze my accont. I tried over well over ten times to get through to someone in charge through email letters, executive offices, etc. Finally after seven months I was allowed to get information when I tried to do so without explanation. Then again finally after asking several times what had been the problem someone said casually, '' it was our mistake '' with no explanation or appologies, nothing in the way of information of any kind. 
Meanwhile I'm being XXXX for a traffic accident with that payment still in question as to whether I was covewered by my insurance through that payment. Citi Bank has refused to give me info about my account saying I need a subpeona which I know is false. I am entitled to know what happened with that payment for which there is no record and to withhold such info is illegal.