davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (AL)

I requested that Ad Astra Recovery Service validate an account for Speedy Cash. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. I do not owe this company anything.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I Was working out at XXXX XXXX on Thursday XX/XX/XXXX around XXXX to about XXXX I workout for about 3-4 hours every other week because I work And I have a busy schedule trying to work and take care of my XXXX kids by myself I put my phone along with my purse and other personal items inside of the locker that is provided at XXXX XXXX  like I always do and never had a problem until Thursday Incident Description Someone went in the locker room while I was working out and stole my phone, wallet, purse, my XXXX XXXX  card, XXXX card, XXXX  XXXX credit card, citizens card, my social security card and my ID. 
Vehicle was also stolen I write my pin down because I tend to forget things a lot They made multiple transactions on my citizens card in the around XXXX $ I filed a claim with my bank and I have those claim numbers listed below - XXXX, XXXX
Consumer complaint received 2018-06-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (MI)

On XX/XX/XXXX I received my first bill From Pro Collect saying I owed XXXX. I received another bill on XX/XX/XXXX with a due bal. of XXXX. I started making payments, of XXXX a month regularly, Pro Collect continued to call harassing me saying I refused to pay my debt which is not true. On XX/XX/XXXX I received another statement saying I owed XXXX. I continued to pay the XXXX. I called them in XX/XX/XXXX and asked what the pay off was and was told XXXX which I paid on XX/XX/XXXX. On XX/XX/XXXX I faxed them the documentation that I had paid them in full. Today XX/XX/XXXX I received a call and letter say I still owe XXXX. I told them I have documentation that I have paid them in full and they say I still owe. When I requested a full accounting of all payment they said they don't do will not do that. I have money order receipts totaling XXXX paid to them
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I am writing to formally request the deletion of an account from my credit report due to ongoing inaccurate reporting, despite multiple disputes and prior involvement with the CFPB. On XXXX XXXX XXXX XXXX XXXX XXXX claims to have done a thorough investigation and verified the information on my account as accurate. The Date of First Delinquency ( XXXX  ), is clearly inaccurate showing I was 30 days late in XXXX as well as 30 days late in XXXX this is clearly not accurate even though it has been paid in full and marked as " Paid and Closed. '' This continued inaccurate reporting does not align with the Fair Credit Reporting Act ( FCRA ) requirements. Under 15 U.S.C. 1681i ( a ) ( 1 ), a credit reporting agency must conduct a reasonable investigation when a dispute is filed, and under 15 U.S.C. 1681e ( b ), it must ensure that all information is accurate. The persistent misreporting of this account, despite my efforts to correct it, violates these provisions and warrants deletion from my credit report. I am disputing the inaccurate reporting of the XXXX XXXX XXXX XXXX XXXX  the account shows two different delinquency ( 30 days ), which is misleading and impossible. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure accuracy and correct or delete information that is inaccurate or unverifiable. The repeated XXXX ' days delinquency suggests multiple DOFD, which is inaccurate since the date of first delinquency was listed as XXXX of XXXX. This ongoing inaccurate reporting constitutes a violation of my rights under the FCRA.
Consumer complaint received 2024-09-03
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. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2018-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

Nelnet engaged in Predatory Loan Practices. 1.inadequate or False Disclosure Nelnet hid or misrepresents the true costs, risks and/or appropriateness of a loans terms They sent multiple letters with different payment amounts and have admitted to doing so They sent 3 letters with 3 different amounts for payments and admitted doing so. See previous correspondence. Now they say there not liable.

2.Risk-Based Pricing Nelnet engaged in risk based lending by lending high amounts with no proof of ability to repay Nelnet is a contractor under Department of Education and must follow those contractual guidelines 3.Inflated Fees and Charges Nelnet did not disclose fees and credit effects to lender Nelnet has inflated interest by changing fees, Interest, payloads nd notices without knowledge to clients 4.Loan Flipping Nelnet bought the Loan and violations d FDCPA practices when buying it. It so packaged it as a 10 year repayment plan without the risk that only 1 missed payment could derail this plan Nelnet is a Lender and on Behlaf of Department of Education this is a contractual violation 5.Asset-Based Lending Nelnet sought to give maximum amounts as opposed to tuition only packages to lender Nelnet as a contractor bought or collects debt under same predatory loan guidelines that Department of Education must follow 6.Reverse Redlining Nelnet targeted off-site non traditional student for large loans without suggesting any guidance of effects of these large loans The were negligent by not negatively effecting Department of Education of Collection and Targeting Effects based on the reseach
Consumer complaint received 2018-06-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CA)

I called XXXX XXXX 's customer service several times on and prior to XX/XX/2017 to get information about repayment options for my student loans. Each time I have called, I asked if it was possible to decrease the amount I pay monthly or establish an income-based repayment plan. Every single time I have called I was told by XXXX XXXX customer service employees that there are no income-based repayment options. XXXX XXXX Customer service representatives have told me that I only have two options. According to XXXX XXXX, I must pay the amount XXXX XXXX sets or I must pay a fee to have my loans go into forbearance. Forbearance allows my loans to accrue interest and the forbearance fee is high. XXXX XXXX 's forbearance option is not a reasonable means of solving my problems. My XXXX XXXX repayment fees are too high every month and XXXX XXXX has refused to provide reasonable repayment options.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$190.00}
Consumer complaint received 2018-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

US DEPT OF EDUCATION has re-aged my account stated that it was first reported in XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX and that I have made a payment in XX/XX/XXXX and XX/XX/XXXX. They are reporting the same account twice on my credit report. They have several different addresses, names, and account numbers. Every month its a different address with a different name. Re-aging an account is illegal based on the FCRA. I have requested the completeness of the account history. 

Original Amount : {$1000.00} Recent Balance : {$1600.00} There name and addresses includes : - US Dept of Education XXXX - U S Dept of ED - US Department of Education - US Dept of Education XXXX   - XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - XXXX XXXX XXXX XXXX XXXX, TX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-06-30
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. (AL)

XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers :  XXXX XXXX  {$560.00} XXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers :  XXXX XXXX {$560.00} XXXXXXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX  {$890.00} Inquiries : XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers :  XXXX XXXX {$560.00} XXXXXXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-07
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. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$240.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$650.00}
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (AL)

I requested that Credence Resource Management validate an account for XXXX XXXX. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. I do not owe this company anything.
Consumer complaint received 2023-04-07
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX  Balance {$20000.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$720.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

We were supposed to close on the XXXX of XXXX but USAA kept making excuse as to why the closing had to be delayed. They would ask for More documents Almost everyday despite us providing all documents required for the loan. So the closing date was pushed to XX/XX/XXXX. And i do not believe they are honoring their contract by this date. No call or informing the title company of this action. They are breaching their contract with us. On XX/XX/XXXX they sent us the closing disclosure but since then no action has been made. They have made us pay for an appraisal, made us obtain wind, hail and homeowners insurance to be effective on XX/XX/XXXX.
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (VA)

In reference to complaint number XXXX. Company lied in their response about not receiving my Permanent Change of Station ( PCS ) travel orders ; I sent a copy of the travel orders to XXXX when I had to cancel the internet and cable service at my residence in XXXX. So Im submitting a new complaint to expose their lies with a copy of my PCS travel orders attached to this complaint. The early termination fee is not owed and the company fails to acknowledge that the debt is invalid. They refuse to take steps to remove the derogatory remark from my credit report and acknowledge that the debt is invalid. So lets see what ridiculous response XXXX comes up with this time ...
Consumer complaint received 2021-04-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/21 I made a payment on a credit card to clear a balance. It was not late and the account was and is in good standing. On XX/XX/21 I received an alert saying that my score changed. When I checked my score it had dropped 97  pts even though my credit utilization went down and nothing else changed in my profile. When I called Transunion to find out what happened on XXXX and spoke with XXXX and her Supervisor XXXX ( neither would provide a last initial or ext number ) they told me that they couldnt give me specific information and advised me to order a credit report ( which wont have the score on it ).
Consumer complaint received 2018-06-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (NH)

Having trouble with conduent who is the loan servicing agency for XXXX. We took educational loan from XXXX for our daughters college education and then repaid it on XX/XX/XXXX by  refinancing it with XXXXXXXX XXXX for better rate. We called them after to make sure the loan has been paid off in full and they told us that we overpaid around {$5200.00}. They assured us that it will take 60 days to refund the amount. We waited for 60 days and more and called them again on XX/XX/XXXX and they told us that account was frozen so now they will send the request to refund. Called them again on XX/XX/XXXX, we were told that still waiting for the approval from XXXX since the amount is over {$5000.00}. Called again on XX/XX/XXXX and was told that the 2 Cheques for {$3900.00} and {$1300.00} totaling to {$5200.00} were sent on XX/XX/XXXX as a refund and I should be receivng them shortly. Waited whole week and called again on XX/XX/XXXX. To my surprise, I was told the same story again that they are waiting for approval from XXXX for refund and no Cheques were sent. Asked them to transfer my call to a supervisor and was told that they are all busy on other calls and took my number so they can call me back and they never called back. I hope XXXX understands that they owe me interest on my money they are holding for no reason as it is not a small amount and that amount is supposed to be used for my daughters educational loan repayment. Since they charge us interest on the money they lend us then they should be paying interest on the money they are holding back. Please help us in getting our money back from them with interest and compensation for time and energy spent in calling them and talking to the customer service professionals who will give us different answers each time. They are incapable of giving any right answers. We are very disappointed with this company and probably will never work with them again.
Consumer complaint received 2018-06-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc. (TX)

XXXX XXXX XXXX claimed that I owed them {$960.00}. However, I never used XXXX XXXX XXXX for my vehicle. I believe this to be due to the identity theft, which took advantage of my information. 

The XXXX XXXX XXXX ( phone # : XXXX ), is representing XXXX to collect such amount.
Consumer complaint received 2023-06-12
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$680.00}.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (PA)

I've had gasoline credit cards with Exxon XXXX XXXX XXXX XXXX and Sunoco XXXX XXXX XXXX for almost 50 years. Both have been taken over by Citibank. I have averaged {$11000.00} of gasoline purchases using these cards during XXXX & XXXX. My Exxon-Mobil statement due XX/XX/XXXX had an amount due of {$86.00} for XXXX purchases and I deliberately sent check # XXXX for {$88.00} more than the amount due as a sign of good faith. And then in a Citi letter from XXXX KY dated XX/XX/XXXX, ( 12 days prior to the XX/XX/XXXX due date ) with a bogus reason stating that the written and numerical amounts differ which was not true without any tel # or name to call.. So, I returned check # XXXX for the XXXX purchases along with a second check in the amount of {$67.00} for the XXXX purchases again weeks before the XX/XX/XXXX due date. I did not include the fraudulent interest charge, nor the fraudulent service charge. 
And then on XX/XX/XXXX, 15 days prior to the XX/XX/XXXX due date as my wife was filling up at an Exxon station prior to beginning our vacation trip, her card was declined. I called Cust.Serv.and spoke with XXXX who told me that a human doesn't review returned checks and he couldn't help a 50 year credit card user who has paid $ XXXX gas charges in XXXX & XXXX. I asked the matter to be escalated and instead I was transferred to another RepXXXX ID # XXXX who followed the exact same script as XXXX. I asked the matter to be escalated and I was given XXXX ID # XXXX and told the 3rd rep my entire story and that we were scheduled to leave for vacation at XXXX and she followed the same script and said that she was my highest entitlement at Citi and nobody at Citi could resolve this negligent Citi system XXXX up. Clearly there are fees and interest that they extort out of more than me in this scam and they need to be audited by the regulators