davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

I made a payment of {$370.00} on XX/XX/XXXX. They pulled that and then another payment for {$570.00} which I did not make or authorize. No one could explain to me where it came from or how. They said they couldnt find anything on how it happened. All the can do is open a case she said. Told me it probably be easier to dispute it at the bank. So now Im out {$570.00} until someone can give me an answer. They also told me to use their email system next time, so I dont have to wait on hold. I informed her I already tried that avenue and get an automated response immediately saying that they are not answering emails at this time. The lady literally laughed at me. Absolutely ridiculous. Sat on hold for 4 hours yesterday because took out 2 payments, one of which no one could tell me why or how. Was told it would be over 6 weeks before getting a refund. This is an absolute joke. This is the third time Ive called this week. Spending more than 2 hours on hold each time just to be hung up on. I have no idea where my money is or when theyll give it back. No one seems concerned but me. I need that money back. They also turn there comments off on XXXX once they start getting overloaded with complaints which is almost every comment. Im not the only person having this same issue.
Consumer complaint received 2019-11-21
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 submitted a dispute to remove fraudulent accounts off of my credit report. I have not been in the country and someone has been using my name, SSN and DOB to open accounts. I submitted to the 3 credit bureaus and there are still fraudulent accounts on my report.
Consumer complaint received 2023-10-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synovus Bank (GA)

I had a checking account sent to collections and Synovus Bank never called or sent me a letter regarding the account. I was never told that I owed them money, and I would certainly have paid them if I was told.
Consumer complaint received 2023-07-03
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 

The following information listed below which appear on my credit file does not relate to any of my personal information. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.
Consumer complaint received 2023-10-19
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. (TX)

Ive made several attempts to have Equifax investigate and remove these accounts from my account. Ive called and submitted disputes. These accounts are inaccurate and have been removed from my other credit profiles. In my most recent call to the company a representative told me even if the information and had been removed from my other reports that each company would have to contact them and have it removed which doesnt make sense.
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

I was renting an apt from XXXX XXXX XXXX. There was a discrepancy with one of my rent payments while I was out of the country. To summarize, owner attempted to get me evicted. I had to retain a lawyer, we had to sign an agreed stipulation for amount owed, vacancy date etc. Everything was done as agreed, and this paperwork was approved by XXXX County State Court. Six months later, I started receiving phone calls from a debt collection agency advising I owed over 2k in  outstanding rent. I explained the situation and provided case number, but calls did not stop and I came to find out later that this inaccurate information ended on my credit report and has affected terribly. I am still vigorously fighting with the credit bureaus to get this removed. I have submitted multiple disputes through the credit bureau submitting the paperwork and they state that National Credit Systems keeps verifying account as accurate. I have worked very hard to try and maintain my credit up to par and this atrocity has caused me more stress than I ever Imagined.
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive made several attempts to have XXXX investigate and remove these accounts from my account. Ive called and submitted disputes. These accounts are inaccurate and have been removed from my other credit profiles. In my most recent call to the company a representative told me even if the information and had been removed from my other reports that each company would have to contact them and have it removed which doesnt make sense.
Consumer complaint received 2019-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (AZ)

On XX/XX/2019 I paid XXXX for XXXX  XXXX XXXX XXXX  XXXX  XXXX  XXXX   XXXX XXXX  in Set coins for {$700.00} with 30 days return policy. 
However, searching later this day I found that such error coins I can buy separately of few bucks only. So, I sent the seller message that I resign from this purchase and I will refuse this package pick up in the post office and this package will be go back to him. He was agree. When this package arrived to the post office I refused pick up it. The package had the same USPS tracking number XXXX. 

Days later I asked this seller for money back, but he said that we did not received this package. I asked on post office for help, but he told me that this tracking number has only this info : XX/XX/2019, XXXX XXXX  Refused XXXX, AZ XXXX Your item was refused by the addressee at XXXX XXXX  on XX/XX/2019 in XXXX, AZ XXXX and is being returned to the sender. 

He told me that I am not responsible for the problem and only USPS and the seller from Florida. 
I checked many times this tracking number, but is the same info and the seller do not pay me back money. 

So, I asked my US Bank, however, they discriminate me, they refuse to help me. They send me letter wit info that I authorized this transaction and they will not help me.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

same issue i reported last year : XXXX and XXXX still both demand a mobile phone number, which they have no right to and will place on the report iteself, before providing the report which is required by law. experien demands hard copies of ID as if i don't exist, which have been sent over the decades several times as i am almost XXXX years old. none of the 3 major bureaus will provide my annual report. 

again, it is illegal for them to demand my mobile phone number before providing my report as required by law, and if they don't stop demanding mobile numbers before providing the reports, perhaps a class action lawsuit is in order.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My loans have been paid. I sent Transunion the letters, and all they did was update the loans as deferred. The loans have been paid. Please see the attachment from XXXX. They need to go through and address them accordingly. Some have been paid off, and others are in deferment. There are two different letters. According to both XXXX and the government website, I only owe XXXX XXXX dollars in loan. ' They did not research or call the company. The completed the investigation in less than 24 hours. So I know that they did not do their jobs.
Consumer complaint received 2023-09-27
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: Experian Information Solutions Inc. (SC)

As a victim of identity theft, I am submitting my another request to have the information related to the alleged identity theft removed from my credit file. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), Credit Bureaus are obligated to remove any disputed items no later than four business days after the receipt of my initial letter, dated XX/XX/XXXX. I have previously included this report in a prior letter, and I am resubmitting it for reference. Moreover, I have noticed that certain accounts in the provided information are unfamiliar to me and have already been removed by other credit bureaus. Consequently, I am skeptical about their accuracy. Therefore, I request a thorough examination and removal of the disputed accounts below 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
Consumer complaint received 2023-09-27
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. (TN)

According to FCRA section 611, acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is important that we have accurate records on file with those who rely on them most- including not just customers, but also potential lenders or employers. 
After doing some research into Metro 2 compliance standards, I have found that there may be some inaccuracies in reporting going forward if these issues are not promptly resolved. 
correctly.Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records. 
The content mentioned has never been certified to meet reporting standards. The data provided has never been verified as accurate, complete, current, or valid. In order to ensure compliance with any consumer legislation and reporting obligations, I demand that any incorrect, incomplete, or unsupported material be deleted immediately. 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have submitted a dispute to Experian for multiple inaccuracies found on my credit report. Mainly a report of Bankruptcy on my report and the status of multiple accounts showing as " account included in bankruptcy. '' I never filed for bankruptcy and there should be no reference mentioned on my credit file. 


The investigation from Experian came back as verified for accounts such as : XXXX XXXX, XXXX and XXXX. All of these accounts also show paid/never late.
Consumer complaint received 2023-09-27
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (VA)

My identity was stolen. They froze the account and I can't get access to my money.

The bank says it is under review. It has been for two weeks. I am being told security does not take in bound calls. I have no idea when I will get my money back and no one at Synchrony Savings will tell me
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MA)

Chase is sending me unsolicited email messages, that do not contain any information that is relevant to the activity on my account, and does not provide an option to unsubscribe from those unwanted emails.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2019-11-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

Attached is a listing of payments that I have made since start up to now. As shown in that list, the last disbursement was on XX/XX/XXXX, but basically it seems that I started really making payments after CAPITALIZATION on XX/XX/XXXX. So the original principal was {$8700.00}. I have 10 years of paying an average amount of $ XXXX/mo, and, incredible enough, the unpaid principal balance is still ( see listing ) up to XX/XX/XXXX about {$3800.00}. 

I'm no expert in accounting, but it seems to me too much time for the balance to still be that amount previously said. I'm planning to pay more every month to advance faster, but I don't have a good job and therefore I'm not getting a good income, so I would like somebody with legal authority to check and see whether there is something that can be done. I feel I have already paid that loan. 

10 years x 12 = 120 months x XXXX = {$17000.00}
Consumer complaint received 2023-09-27
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. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate 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 update these accounts. 

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
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

In the month of XXXX when i check my stament was showing that half of my payment was credited to me from the company i thaw that i had pay extra on my escrow account .after this i send the remaining balance to complete my payment then on the following months consecutively kept sending my payments .after the second month i got a call staying that my mortgage was 60 days late .i explain the person on the phone that had to be a mistake cause i was up to date with my payments .well after they research the account they came to find out that the money that they credited to me belongs to a different account and that i have not make my payment complete .at this point they blaming me for their mistake witch i end up coming up with the payment after all .now i come to find out wile i was trying to refinance that they have my record on the credit bureau as of 30 days late for three months on the road. i dont think this is fair to me and my family we try to take matters as soon as we found out even wasnt are fault.all i want is from them to correct my credit report. 
thank you
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. XXXX XXXX. Please remove this account ASAP.