davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-15
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: Experian Information Solutions Inc. (TX)

XXXX  XXXX XXXX XXXX. XXXX. XXXX an account by XXXX for {$2000.00} as open. Account has also been removed but re appeared on XX/XX/XXXX. Account has been disputed before by agency and removed in XX/XX/XXXX. XXXX added the amount and reaged without informing consumers. This is against best practices. Letter was sent to XXXX to remove account as it was recorded inaccurately account was then removed by XXXX. Then opened and added on!. Several letters has been sent to XXXX with no responses. 
Then information was removed from credit reporting. The ADDED back as new account in XXXX See attachments
Consumer complaint received 2017-07-01
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: Nelnet, Inc. (ID)

The Department of Education/Nelnet is reporting that I was 90 days late on my student loans in XXXX 2011.  I have mailed letters and have contacted The Department of Education/Nelnet numerous times to discuss this issue. They did not respond to any of the certified letters that they signed for, and on the phone I was transferred repeatedly and would be hung up on. I would call back and this would happen again. <P/>I have asked repeatedly that The Department of Education/Nelnet provide me with a copy of the cancelled checks that show this payment was made 90 days late in XXXX 2011. The Department of Education/Nelnet do not respond to my requests and have not provided me with proof that this student loan was paid 90 days late in XXXX 2011. <P/>I have asked that if the The Department of Education/Nelnet is unable to provide me with the proof ( cancelled checks ) that they remove this inaccurate information that they are reporting to the XXXX credit bureaus.
Consumer complaint received 2017-07-01
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: AES/PHEAA (ID)

Fed Loan Servicing is reporting to all 3 credit bureaus that I had a late payment in XX/XX/XXXX2015. They are reporting this late payment on the 3 credit bureaus that I was 90 days late in XX/XX/XXXX 2015. This inaccurate reporting is destroying my credit. I have called Fed Loan Servicing multiple times and have mailed 2 certified letters ( which they signed for ) asking that they provide me with the proof that this information being reported is accurate. I have asked repeatedly for canceled checks or any documents that show I paid these loans 90 days late. There has been numerous times when Fed Loan Servicing sold or transferred my student loans to various lenders which in turn would show my payments as late. The fact that Fed Loan Servicing sold or transferred my loans to different lenders without my consent, ultimately showing my payments as late was not my choice.
I am in the process of trying to purchase a home and the fact that Fed Loan Servicing is
showing these loans as 90 days late in XX/XX/XXXX 2015 is inaccurate and is ultimately affecting me in a negative manner.
I 'm asking that Fed Loan Servicing provide me with a copy of the canceled checks as proof that these payments were paid late, or to remove the negative items that they are falsely reporting on my credit.
Consumer complaint received 2019-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The credit bureaus are taking too long in getting us the responses of our credit investigations. We made our requests on XX/XX/XXXX, but they have not responded yet.
Consumer complaint received 2017-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NV)

Complaint against Wells Fargo Bank, N.A. <P/>On XX/XX/2017 Friday around XXXX XXXX. pacific time I entered the bank and deposited my paycheck. My employer also banks with Wells Fargo. The bank rep asked me the regular questions and she asked if I always get checks from my employer, I say yes and that they also bank with Wells Fargo and she said yes they do. The check was deposited and the check posted. <P/>Reviewing my bank account on XXXXXXXX I am in the negative and the check I deposited bounced due to insufficient funds? and I am getting charged with fees? How can a bank deposit and credit your account with a check from their own bank and claim it was good at the time of deposit and 2 days later say oh its not good anymore? This is what the bank rep told me when I called to ask what happened?
Consumer complaint received 2024-10-11
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)

My ex girlfriend used my personal information to open accounts without my knowledge and permission. I have attempted to have these incorrectly reported items removed from my report and have contacted the credit bureaus but have yet to receive a satisfactory response from them.
Consumer complaint received 2018-06-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

I went to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CO XXXX, at approximately XXXX XXXX, XXXX XXXX of XX/XX/2018 to buy groceries, including getting XXXX dollars cash back on a personal check written from my bank, XXXX XXXX XXXX XXXX. I have written checks many times at that exact location of XXXX XXXX before with no declines of my checks. I was told today by the XXXX XXXX checkout staff to call Certegy, and was given the phone number to call, which is XXXX. 

I spoke with a woman at Certegy about XXXX XXXX over the phone, and it was a very bad call, and not what I wanted to hear. ( I do not remember her name, but all calls are recorded. And yes, I was VERY upset and I used a curse word and anger filled words because she refused to give me the exact reason, as I asked her several times. We as consumers should never be treated and punished in this way. I lost my father and uncle in the same year recently, so I was very upset. I apologize for the bad words and anger, but you can understand why I was so upset. This should not have happened. ) The amount of the check was for {$110.00}, which includes {$40.00} cash back. Same credit union and same bank as I wrote a check there before at the same location. I have a copy of my Certegy report and NO checks are outstanding or showing returned, so there is literally NO reason why this should have happened. 

I am upset, humiliated and embarrassed. I feel harassed and insulted to say the least. Consider this a direct complaint against Certegy for the way they treated me and declining my check without ANY EXACT REASON given. A cookie-cutter list of reasons is NOT the exact reason. And she REFUSED to tell me the real reason, which is unacceptable, and should be considered a direct attack on my credibility and integrity. 

I shop at that store all the time. I will not be forced to use another form of payment, when this is basically the only way I do business. I have been a victim of fraud in the past, so I can not use a debit or credit card anymore. I do not feel comfortable using any form of card now because of being a victim of fraud and theft directly towards me. 

Please, get on top of this right away for me. I would greatly appreciate it. Thank you.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CA)

In/around XX/XX/2020 I purchased what was supposed to be a new rug shampooer. The XXXX XXXX  company sent a pre rented unit that was filthy and does not work. I disputed the claim with SquareUp, Inc, owner of the debit card company. Several customer reps, in writing, told me that it would take 2 days to look at my claim. and give me at least temporary credit. When I called back after no word in two days, a rude car told me 60 days. I complained and asked to speak to a supervisor and this person XXXX said no you cant and I am going to hang up. ( No I was not screaming, being rude or yelling. I sent pictures of the non working machine and the serial number with a metal plate saying rental, please return. This information was ignored by SquareUp.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

credit reporting companies : XXXX XXXX and Transunion are all reporting inaccurate information on my public record on my credit report. It has hindered my ability to purchase a home for my family I have reached out to each and they all say they can not verify my identity. In that case you all have improperly added false information to my consumer report and credit report.
Consumer complaint received 2021-07-19
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. (TX)

On XX/XX/21, I called TransUnion at XXXX and spoke with a supervisor XXXX. I could not understand his accent and asked him to explain why my credit score decreased 79 points and the annual credit report showed no deficits. After speaking with him and repeatedly asked him to speak slowly, he hung up the phone. I called back and spoke with XXXX. I informed her of the hang up. She transferred me to a XXXX. Again I could not understand him as well. I spoke with him about my scores. After repeatedly asking him to repeat himself, he was no help and asked for {$9.00} to charge me after I sent in letters about my dispute. I in dire need for assistance. Thank you.
Consumer complaint received 2021-07-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (ID)

On XX/XX/XXXX I received a letter from Synergetic Communication Inc stating they were collecting a pay day advance loan. After speaking with the representative and informing them that this was a fraudulent activity the following additional details were provided. 

This payday advance was taken XX/XX/XXXX XXXX first time I have heard about this ) from " XXXX XXXX ''. The note was subsequently sold to XXXX XXXX XXXX who then contracted Synergetic Communication. 

The dispute has been initiated and I firmly stand by my claim that this is a fraudulent loan taken by another individual. It is worth noting while speaking to the rep from Synergetic, that the date of birth provided by previous companies was inaccurate.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-09-25
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: Experian Information Solutions Inc. (CA)

Hi I would like to report a dispute that I have disputed with Affirm for the following amounts : XXXX XXXX XXXX XXXX XXXX I had more charges, but those have been resolved or removed from my credit report. I provided police report from the XXXX XXXX XXXX XXXX, disputes for fraud, disputes in experian for not my charges and I continue to see them on my credit. 
When I called XXXX  they would not provide me with any information because my phone number and address did not match what they had on file. Of course not ..... 
because that is not my information. 
My address is and has been XXXX XXXX XXXX, XXXX, XXXX  XXXX and my phone number is XXXX. I have had both of these for at least XXXX  years. 
My name is XXXX XXXX XXXX, my social ends with XXXX. 
I have good credit history, good healthy payment history, however these late accounts are impacting my XXXX XXXX very negatively. 
I would like to file a claim against both XXXX and Experian as they have not provided me with proof of service or proof of purchase, yet they continue to say this is my bill because I have never ever received any proof of it being mine. 
It is not my purchase or my bill.
Consumer complaint received 2021-07-19
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. (FL)

On XX/XX/21 I did an online dispute with Experian. To my surprise they account dispute was complete by XX/XX/21 however, there was no notice of dispute then pulled my official credit report and notice no comments indicating this account was dispute. Which means there is some trickery going on with Experian because of this violation Im asking for deletion of account. By the way Ive attached a copy of my credit report showing this and a screen record video as well
Consumer complaint received 2021-07-19
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. (PA)

Please update immediately this is not a dispute. Information has been reported incorrectly. Change my status. I received a letter from XXXX for all 14 student loan accounts. This has stressful and ruining my life.
Consumer complaint received 2024-10-18
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. (DE)

XXXX XXXX XXXX   I did not authorize please delete.
XXXX XXXX XXXX  I did not authorize please delete.
XXXX XXXX XXXX XXXX  I did not authorize please delete.
XXXX XXXX XXXX XXXX  I did not authorize please delete XXXX XXXX XXXX  I did not authorize please delete. XXXX XXXX XXXX XXXX  I did not authorize please delete XXXX XXXX XXXX XXXX XXXX I did not authorize please deleteXXXX XXXX XXXX XXXX XXXX  I did not authorize please delete. XXXX XXXX XXXX XXXX XXXX I did not authorize please delete.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Selip & Stylianou, LLP (NY)

Back in XXXX I was served with Summons from Selip & Stylianou. Was told I was being sued for debt. My court date is XX/XX/XXXX. I have been asking since end of XXXX them to provide proof of debt. They want to collect {$3800.00}. I asked them to have their client send me any and all documents they have to support this total.I want to see exactly how they arrived and this total and figured late fees and interest. 

I received a letter from the original creditor today. Did not contain any information other than the account name. They are now saying I need to send them payment, but did not even list a balance. Why are they trying to collect the debt when Selip & Stylianou told me they are handling it? 

They have been stalling me for almost two months now, so they can go to court and get a default judgment. I offered to settle, but wanted to verify the amount first. They refuse to provide me the info I have requested.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-25
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. (WI)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2017-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (NC)

I have attempted to get something on my credit report verified  three times now. After zero response to my first inquiry through the credit bureaus from the creditor, I sent the letter attached to the creditor. I have been asking for clarific ation on  XXXX  different account numbers. In respo nse Wakefield respond ed to only  XXXX  ( but i am not sure which it is as the account number does not match what i have on my records. ) The response attached has me seeing a physician at a place i do n't recall being at. I think that this is an error. I 'm incredibly frustrated by the amount of time this is taking on my part.I am asking, and asking for clarification and verifcation and i am being ignored. This is affecting my getting a mortgage and this is NO T RIGHT. I should not have to ask the SAME question more than once. I never received a bill for this or a statement and to find it causing major harm to my credit score i s incredibly upsetting. I should be able to receive verifiable information that this debt does indeed belong to me and not to someone else. If this information does not exist. then this debt needs to be deleted. immediatly.
Consumer complaint received 2017-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

In XX/XX/XXXX I sold some digital game codes on XXXX. Every code sent had the buyer confirm that understand they were a code before being sent, and all codes have a XXXX e mail showing they were authorized, the code was sent, and in two cases the buyers issued glowing reviews. Soon after a few complaints were raised at Paypal saying the charges were not authorized for the codes. I sent the proof to Paypal as well as contacted the buyers and XXXX. XXXX said this was not their issue and to deal with Paypal. I have had multiple contacts with Paypal via email, EFax and phone. <P/>One supervisor a week ago at Paypal agreed with me and issued some credits back. The issue is Paypal is giving full refunds and hitting me with a XXXX fee per transaction. They are saying that Digital codes are not covered under seller protection. They are of course keeping their transaction fees on the non covered transactions. The issues have continued and a Paypal rep today said that I had proven the transactions were verified and shipped yet they will not overturn the fees. They state it is the customer 's bank or card company issuing the fees. I have asked multiple times for that contact information so that I and my bank can dispute them directly and they have refused multiple times. I have also been contacted by an XXXX member who said there is a fraud ring going on with digital codes and he named two of my buyers without any information from me as people who have frauded him. XXXX and Paypal have been given this information and still refuse to act. They now have my account XXXX in the negative with two more pending and are demanding I pay the fees.