davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiries. I am submitting a complaint for assistance to REMOVE them from my credit report immediately.
Consumer complaint received 2023-04-29
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. (CT)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account 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 In accordance with the Fair Credit Reporting act XXXX Account 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 In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

i would declare this loan off my credit report i called XXXX to remove this loan off my credit report and i would not like for Acceptance insurance to give me a call. Its dropping my credit score due to them saying im not making payments & i am. I would like for the loan to be took off my credit and like my title. I also signed some things without permissable purpose of the consumer report which is in 15 U.S Code & 1681B which is against my will.
Consumer complaint received 2023-08-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Albert Corporation (MD)

I signed up for Albert.com XX/XX/XXXXsubscription feature and I on the same day that I was charged, I requested they refund me the {$96.00} that they charged me. So far I can not cancel the subscription and they have refused to refund me the {$96.00} because they say a savings deposit must complete first in order for the {$96.00} to be refunded. I do not understand what this has to do with my {$96.00}.
Consumer complaint received 2024-08-10
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has volated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX XXXX Account Experian XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Consumer complaint received 2023-08-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Twice, XXXX  of dollars were removed from my savings account overnight. It happened once and they couldn't explain it and then turned around and did it again a few days later. This was money I inherited from my mother. I had to move what little I had left from their bank and I have never gotten an answer of it returned. It is truly a horrible bank!
Consumer complaint received 2023-08-04
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. (FL)

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.

has violated my rights. Or 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 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 2020-06-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I requested a refund from my loan provider, Nelnet, around XXXX XXXX  XXXX for the payments I made during the pandemic ( which totaled to about {$9000.00} ). I checked my account in XX/XX/XXXX and the balance on my loans was back to the original amount from before the pandemic. I called Nelnet around XXXX XXXX  XXXX and was told that the refund was still processing and would take a long time to receive the check. I called again in XX/XX/XXXX and they told me I was misinformed before and that my check was actually issued in XX/XX/XXXX. So they said they would reissue the refund check, but couldn't tell me how long I'd be waiting before receiving anything. It has been almost a year since requesting and I'm getting different stories from them. I'm not sure where my money is or if they've actually issued the refund, but this has been extremely frustrating and disappointing.
Consumer complaint received 2023-08-04
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. (NY)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2015-12-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cedars Business Services, LLC (HI)

Around 2005 I received a call from Cedar Financial XXXX I 'm not sure if they were called that in 2005 XXXX, who identified themselves as a debt collector who somehow thinks I owe them money. I believe at the time they said it was for an unpaid hospital bill. They have not provided any documentation nor explained how they think I am the person who owes them. 

Years ago this company tried to put the debt on my credit report, but I requested the XXXX bureaus to inquiry into the debt and all three removed it. 

They have continued to periodically call, for a decade, even though I have asked them to stop calling. 

This morning they called my elderly parents, did not identify the company they worked for, behaved inappropriately, and asked them invasive questions. I know it was them because they left a message on my voicemail around the same time.
Consumer complaint received 2015-08-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bull City Financial Solutions, Inc (OK)

Received a bill from Bull City Financial Solutions to collect a debt on a medical bill. Had never been contacted or received a bill from the provider. Requested information from Bull City and received a partial statement which did not identify the provider. Requested the provider contact information from Bull City by telephone and was refused the information, refused when requested to speak with a supervisor, and would only provide the name " XXXX ''.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (AL)

My mortgage was with XXXX XXXX XXXX after being sold XXXX. In XX/XX/XXXX I applied for a mortgage modification due to the downturn in the economy. After 4 years of submitting the same information over and over, I gave up and offered them a deed-in-lieu of foreclosure in return for a {$10000.00} relocation assistance. I was then told I had to go through a short sale period first, which I did. At the end of that time, I worked with XXXX on the deed-in-lieu and executed that on XX/XX/XXXX & I vacated the home on XXXX XXXX as instructed by XXXX.. That document was never recorded, the relocation assistance was never paid, and on XXXX XXXX my mortgage was transferred to Selene Finance . Now I am almost 2 months into dealing with this new company and they are even more difficult to deal with. I have emailed and called on a regular basis ; I receive no replies to emails and when I call I am told it is being worked on, " just XXXX more thing needed, '' etc. I am living with my ex-husband because I can not afford to rent a place to live until I receive the relocation assistance monies. I have done everything I have been asked to do and in a timely manner and I need some assistance immediately. I am XXXX years old and at this rate I will never be able to purchase another home.
Consumer complaint received 2016-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FCI Lender Services Inc. (FL)

I XXXX XXXX XXXX certified that my Company downsized in 2012 and my hours were cut from XXXX hours to XXXX per week, and my Spouse XXXX XXXX was forced into retirement following and injury. Our Income was reduced and we filed bankruptcy, however, the medical costs and other obligations have depleted our savings. We have been made to feel like a ping-pong reaching out to so many Lenders, from XXXX to XXXX, to XXXX XXXX XXXX , to XXXX . Each time we thought we had a Loan Modification moving forward, a new Servicer pops up. Currently we are being service by FCI : Lender Service, and they are reluctant to review for a Loan Modification. 
COMES NOW, XXXX XXXX XXXX XXXX and file a Lis Pendens, with scheduled hearings, and the questions remains, just whom am I dealing with for answers?
Consumer complaint received 2016-07-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: State Collection Service, Inc. (CA)

Just got a notice from my credit monitoring service that a new debt was attached to my credit report. I immediately disputed it online through XXXX and they sent me an email the very next day that said the investigation was complete. I find that very hard to believe there was any 'investigation ' at all, given that I had commented that the debt was 'fraud ' and does not belong to me. How was this debt verified as belonging to me in XXXX day, and how was it 'verified ' if it is n't mine? I do not owe this company money, and this debt is fraudulent. I have a very common name and do n't understand how something can attach to my report without proof of it being mine!!! I need this item completely deleted from XXXX and any other reporting agency, as this debt is fraudulent!!!
Consumer complaint received 2016-04-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (GA)

I received a Netspend Premier Prepaid Card from filing my federal and state tax returns on XXXX XX/XX/XXXX. I only physically used the card a few times and added the card information on all of my online accounts as my default payment method, I primarily make purchases online and rarely use my card in stores due to my inability to leave my home very often. On XXXX XXXX at approximately midnight, I noticed the card was missing and immediately called the automated line and reported it stolen. They cut off the card and froze my entire account. Freezing the account not only prevented anyone from using the card but it prevented me from accessing my funds. I filed a police report the following morning and began assisting the investigating detective gather any information and evidence that I possibly could. The next afternoon the detective already had surveillance footage from several merchants and I then identified the subject as an acquaintance and gave them information on her known whereabouts. Charges were filed and an arrest warrant was secured. She is currently incarcerated awaiting court. I properly filed a dispute with the card company and even provided them with all of the detective 's contact information. On XXXX XXXX, I was told that the dispute had been resolved and I would not be getting any credit for any of the fraudulent transactions. I am appalled and confused. I worked very hard for the refund I received and someone stealing my card and stealing over {$1600.00} in funds has destroyed me. I have now lost my car, my job and was evicted from my home two days ago all as a result of this ordeal.
Consumer complaint received 2016-10-19
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (IL)

I was sent a unsolicited pre-paid Mastercard Debit with my name on it from an organization called netSpend, XXXX XXXX XXXX, XXXX TX XXXX, supposedly associated with a bank named " XXXX '' I did not ask for or apply for this card. It appears to be a fully functioning card ( except for activation ). I do not want cards that are linked to my identity being sent out without me having applied for or requested a card. I see this as potentially putting my identity or my financial security at risk. This is a lousy practice and should not be allowed.
Consumer complaint received 2015-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I received a call on XX/XX/XXXX from Bank of America for my loan modification, and the received a an intent to close letter as of XX/XX/XXXX. It is as if they are pursing modification and foreclosure at the same time. All of this is putting distress on me and my husband. This is my husband 's mortgage and I assist him. I am a 10 month employee, and our income is limited because he is not working.
Consumer complaint received 2015-09-29
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

What happenedDescribe what happened so we can understand the issue ... 

Saturday XXXX XXXX, XXXX and major complaint. Previous complaints addressed harassing phone calls. You stated that no more phone calls. I was awaken at XXXX Hawaii Standard Time by a phone call from your representative. Message from Representative XXXX XXXX, to call her at XXXX XXXX. 
Please answer the following questions to include unresponsive answers to previous complaints. 
1-Is this a harassing phone call. Simply answer Yes or No and what is going to be done to stop harassing phone calls. What is the violation and civil penalty if this occurs again? 
2-You all keep changing enterprise representatives on me. Please respond with name of representative to contact by email. Your phone calls are not resolving our issues and my complaints. I previously ask for email address for Representative XXXX XXXX to resolve our issues and complaints. You all have be non-compliant. Please email me his email address. If not, please explain why I can not get his email address to resolve all issues and complaints. 
3-I ask for the mailing address to mail XXXX form to receive {$500.00} signing incentive for partial claim. Please respond with mailing address to include attention what department. 
What if any is the money incentive to re-sign modification documents? Yes or No. If so how much? 
4-You responded that I am not required to re-sign loan modification documents. You also stated that my modification terms will still remain in effect. You further stated by not re-signing loan modification, it may cause difficulties in the future if I attempt to modify, refinance or the sell the property. 
Please be specific, not general terms as stated above, what difficulties I am going to encounter if I attempt to modify, refinance or sell the property. Please explain fully. 
5-You mentioned previously about recordation of modification. My questions to this still have not been answered. Where is modification recorded at. Name of agency where recordation is being done. Exactly what is being recorded? Who is doing recordation? Phone number to call to check on recordation. 
6-If you all address and answer my questions and concerns, then we can finally resolve all issues. It is up to you all to finally resolve all issues. Simply answer my questions and concernsThank you-XXXX XXXX to publish the description of what happened? Consent provided
Consumer complaint received 2016-01-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MI)

I am a graduate of XXXX also know as XXXX XXXX XXXX, when meeting with school advisors they told me I would be in a top level chef position after graduation. I was told over and over that this was true. as I was second guessing my choice to attend I received multiple calls everyday ( sales call ) harassing me to attend the school. eventually I applied for student loans and was " accepted '' into the program. After completing my education I was unable to find XXXX of those " high paying XXXX '' that I was promised. I was stuck with over {$35000.00} of student loans and only making $ XXXX barley enough for me to pay my bills living on my own let a alone pay a high monthly payment on my student loans. I opted for forbearance. my loans collected interest and put me even further in debt. over time it seemed that I would make payments and my loans would just grow. finally after 10 years of being on and off forbearance and a lot of experience I finally have a decent paying job, but still not enough to take care of my family and pay off my debt. as of now I will be paying back my debt for the next 20 years. I will not be finished paying me debt until my kids are in college ( that 's if I can afford to pay for theirs ). recently all the le XXXX in north America are closing. so the degree that I was told once held " great weight '' because of the XXXX name will not by worth the paper it is printed on. Now even if I could eventually get the chance to get that high paying job my degree will be worthless in the eyes on my new/potential employers. 
Unfortunately I was one of the many victims of the for profit schools. I will never be able to support my family they way I dreamed of or give them the " American Dream ''. I was tricked my school advisors into thinking I would have this great job after graduating and it did n't happen. Because of the many years of not making a living wage and trying to support my family my student loans are behind and so much interest has accumulated that it will most likely take the next half of my life to pay back. 

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